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I had to book in to go through your interview. Is now still a good time there for you? Fantastic. Before we jump into the call, I just have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just a quick security check there with you as well. I just need to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Great. Thank you so much for that. Ryan, so we did actually send through your advice document and had tried to present that earlier in the year. Unfortunately, it has now expired. So we just need to do a new a new review with you and kinda go through and update all your circumstances, and then we can look to provide and update the advice for you. Okay? Excellent. All good. Before I jump into the call oh, sorry. Before I go through things, I do also normally send through just a copy of your annual review documents there for you to review. Are you able to access your emails at the moment? The there, I believe let me have a quick look for you. That's okay. No. Oh, it's okay. Okay. I will be here to assist you. Don't worry. I am sending you the annual review docs. They'll appear in your email there as well shortly. I'll just go in and have a quick look at the recently sent documents for you. So all here we go. Yeah. So the last document sent was on the April 21, and that one has expired. That one wasn't unfortunately signed. Yeah. That's okay. That's okay. It's all good. Let's go through. We'll do a review of the circumstances, have a look at things now, and I'll go back and I'll update the advice. I can see we've got your third party authority all updated there as well. So we'll be able to do updated research for you on, I believe, your Cbus account as well. So we'll go back and do some research, and I'll book you back in in a couple of weeks. We'll come back together and go through that advice document at a time that suits you. Okay? All good. Perfect. The first on that email, can you see the email that I've just recently sent through to you there at all? Yep. I will in a second. If you can just before you press the sign button, if you scroll down slightly, you'll see some attachments on there. Can you see the attachments? One of those will say summary of superannuation and insurances. Yep. Beautiful. That one there, when it opens up for you, just gives you an update of your balances between the three different funds that you do hold at the moment. Yep. So hub twenty four, you've got a balance there. Sorry. You are can you see that if you can't tell me to stop? You got it there. 186, yeah, 9 68, and then bus queue's got about 30,000. Their c bus has twenty seven thousand five ninety two. So what we wanna be able to do and what we have been sort of wanting to try and help you to do is to consolidate as many of these as possible. So at the moment, you do have three super funds. It is more administration fees, but you also only have contributions going into one of those funds currently. So being able to maybe consolidate things back a little bit for you, streamline it, make it a bit easier, save you some fees, and make sure your money is growing as hard and working as hard as possible for you is the preference there. Yeah. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. Yeah. So we have been trying to work out what to do. The if you are looking to keep all three of those open, we would need to look at finding a way to be able to contribute into all three of them for you with the I'm just sort of having a look because with the insurances we do have at the moment, the are we? The c bus has the life in TBD giving you life of, at the moment, about 208,000 and a 124 of TBD. Your bus queue gives you, has a level cover of 200,000 of life and about 60,000 of TBD. But when we sort of break down the the rest of it, the bus queue also offers, like, TTD, which is sort of a temporary disablement, whereas C Bus doesn't really have any kind of income protection side of things there. So I think moving forward, just kind of reevaluating what it is that you actually wanna have with insurances, what you wanna have covered, and what your goals are will probably help us to decide which ones we do consolidate or whether we do keep all three open and whether we just look to make additional contributions out of your cash flow into one of those to kind of keep it working. Because the other thing is in order to have those refunds open, we need to make sure as well. That way, you can keep them open, keep them working, they can keep paying the insurance premiums. One of the risks you do have is that if you stop paying contributions to one of the funds, most of them will continue to draw the insurance premiums for a period of time. But once the fund ends up with not enough money in there, then the insurances do cancel after a period of time as well. So we just wanna make sure that if you're wanting to keep all that cover there, that we do make sure that the cover is appropriate to you and that you are able to keep it working harder. Does that make sense? If it doesn't, let me know. Yeah. So if I look at the the kind of cover you're after with life and TCD, let's look at life first. So life is essentially in the event that you were to pass away. Your life cover currently with us here is sitting at 200,000. With c buses, 208. That is based on the research from the twenty third of covered limit you have there and also the balance, which could be different to what we have noted here. If you were to say pass away based on this information, you've got the 208,000 of life with Cbus, 200,000 of life with BusQ, and then your super balance is paid out on top of that to your beneficiaries. So we've got a $106.09 $6.08 in hub 24, 30,099 in bus queue, and approximately $27,005.09 2 sitting in c bus based on the research. That essentially pays out a lump sum benefit to your beneficiary of, at the moment, 652,000. I'll go back and reconfirm the c bus side of things. But if you think about if you were to pass away today and that 652,000 was paid out, where do you want it to be paid to, and what do you want that to cover? Yeah. It's Angela? Yep. Yeah. Okay. Yep. Excellent. So a 100% to Angela. Excellent. Now are you does she work? What if you were to pass away, would she need to would you be comfortable with that amount kinda covering debts and things like that? What kind of bills or debts would she have to cover up front if you were to pass away? Yep. Yep. Yep. Okay. Oh, wait. Lovely. And do you think and this is a pretty tough question. I get that. But do you think if you would have passed away, do you think she would wanna maybe keep working part time earning that same money, or do you think you'd rather have enough that she could take some time off and, you know, just raise the kids and think about, you know, what she wants to do moving forward. A couple of years old? Yeah. Yeah. Okay. Absolutely. Absolutely. And when you think about the amount of the 652,000, the income I had for you last year was about a 140,000. Is that still the same income, or have you got a pay increase on that one at all? Yeah. Yep. That's okay. That's absolutely fine. If you think about the life cover and the current benefit amount of $606,152,006 59, and if you divide that by a 150,000, it essentially, with no debts, would cover your gross income for your family for about 4.3. So just over four years. Do you think that is sufficient, or would you like me to go and see if I can do something with the cover and maybe look to consolidate or get you some more life cover? How do you feel about that? What would you like me to be able to do for this for you? Yeah? Yeah. Yeah. That's okay. Is there four years? It's time for her to work it out. Lovely. And how old are your kids? I've got you've got two children. Yep. Okay. Beautiful. Lovely. Alright. So we're looking to make sure that we're covering about four or just over four years of income as you guys have no debts, and that would feel fairly sufficient for you for a life benefit between your super as well as the the life cover that you're insured for. Does that sound accurate? Am I on the right track with that? Yep. Oh, absolutely. That's absolutely fine. And do you plan on buying that property within the next sort of twelve months, or is that more of a medium term goal down the track? Yes. Yep. Beautiful. So that's two years away. And I definitely do agree with you. When you do happen to buy that property, let me know. I would absolutely be wanting to reevaluate your goals, your advice, and definitely your insurance aspects and things like that then as well. Okay? Excellent. The other thing you have is TPD. So TPD pays out a lump sum benefit or an income stream in the event that you're unable to go back to work again. So totally permanently capacitated. You can also claim on your super benefit at the same time. So you we can get basically, you're covered for the same amount between. Well, actually, no. Sorry. Your TBD is lower in your industry funds. So you currently have between the two funds, 60,000 and 124,000 of TBD. And then if we were to have your super benefit released, which is possible, 968 plus 399 plus 2700592, it essentially means that under the total permanent incapacity, your the level of cover you have for TBD between the insurances and your super balance is $428,006.59. Now TBD, as I mentioned, is total incapacity. So, essentially, you're claiming that if you can never go back to work again. I know one of the things over the last couple of years, it has been hard to sort of look at TBD or getting new cover for TBD because of your occupation. Unfortunately, being a rigor, very high risk of injury or claiming your disability. But has there been any changes to your occupation? Are you still in the same occupation? Are you doing more admin work? What does your job look like at the moment? Exactly the same. Yep. Okay. Yep. Yep. Beautiful. Yep. Beautiful. And can I ask, I'm so sorry? I'm a novice, and I work in finance. So I don't exactly understand what it is that you do, but what does a rigger do? What is your day to day role or tasks look like? Yeah. Yep. Yep. Yep. Right. Right. And you're at the top of the of the crane. Is that right? Or are you at the top of the building? Okay. Yep. Absolutely. Okay. And are you basically on the ground when you're doing your role? You're not sort of up high at all? Yep. You're on the building? Yep. Yep. Okay. Yep. Perfect. Perfect. I have a much better understanding of that. Thank you so much. I do apologize. I definitely in this role, you get to learn a lot about what people do. But, I mean, in construction, especially, you have so many different components and parts and people that do all these different roles. I just always have to make sure I understand a little bit more about it. Look. What I would what I would probably like to do yeah. No. That's that's absolutely fine. In the event of, say, permanent capacity, so if you were never able to go back to work again because of, you know, something happening in your role, do you think that 420,000, if I sort of the 428,000, if I divide that by your current gross income, it essentially gives you a little over two years. It's under three years, so two years and eight months worth of gross income noting that, obviously, tax is there. So you could probably reduce that back a little bit and get about three years worth of income out of that. But that would use up all of your insurances plus your super. And one of the most important things to consider is that when you claim on TBD, when you're under the age of 60, unfortunately, and I wholeheartedly disagree with this, but the government actually taxes you. The tax can be up to 22%. It depends on your age and stage and a few other factors that the tax can be lessened. And we as advisers, if you claim on TPD, we'll help you with the claim, but then we will also provide advice on how to structure things to help limit that. But do you feel like that level of TBD you have is sufficient, or would you wanna maybe look at trying to get something else? And I'm happy to go back and do all the research I can on what I can get CBD wise to assist you. But did you want me to maybe look at some other cover and see what else I can come up with? More? Yep. How many years of income replacement would you feel comfortable with do you think as a base knowing that Angela could definitely go back to work later down the track? Would you want me to cover, you know, five or ten years worth of net or gross income or a little bit less? What would you be comfortable with having? Yep. Did you want me to work on gross income or net? Gross obviously does. Because it's gross, it covers the tax side of things, but it also can just give you a little bit of a buffer in case you have income increases down the track, or I could look to make it a bit cheaper and focus on five years of net income for you. What would you prefer? It is. It's disgusting, honestly. I do not like I think if if you're injured and you can't get back to work again, the last thing you should be doing is paying I don't don't like it at all. It is. On the gross? Yep. Beautiful. And what I'll do is I'll update the advice for you. I'll go back and reflect things. Now because of your occupation, it can be difficult to get TBD. So I can look to keep whatever I can with the funds you have here at the moment. There may be a possibility where we can't get. So to kind of break down TBD, and it gets a little bit confusing, and I do apologize. Let me know if you have more questions. But there are different definitions to claiming on TPD. The most the best definition you can have is an own occupation. That means that you would have to be unable to ever go back to work in the occupation you were doing prior to your disability. That kind of occupation for TPD has to be paid out of your back pocket. It can't be paid for inside paper. It does make that kind of cover a lot more expensive. It would be very hard to probably get that for your occupation. So the other definition you have with the bus queue and the c bus isn't any occupation, and that means that in order for you to claim on TBD, you just have to have doctors proving that you're never gonna go back to work again for any occupation for which you were educated, trained, or have worked in the past. It does make it a lot harder to claim on those definitions. But if you I mean, with your role, if something people, in super. There are other definitions. So these are the most common ones in super, but they are depending on what your occupation is. A lot of insurers have trouble with the risk level of giving in any occupation definition. So it means that when I look at retail or other providers, aside from what you already have, they may not offer the same type of cover. I may be able to get and I will look at all the options I have available and see what the insurers are gonna offer. But the third definition with the TPD is ADL, and it just basically means that you are never able to go back to work again and that you require assistance with eating. So eating, dressing, bathing, driving, just, you know, normal everyday living. It is a much harder definition to claim on, but I might be able to get some sort of top up cover for you to build it up to level you need. It may have to be this ADL definition. If I can only go that way, I would try to keep everything you have to give you the best possible claim up front. And then we have this backup cover down here, which might be a different definition. But are you comfortable with me looking at all those options and coming up with whatever I possibly can to give you that extra level of cover even if it's a different definition. Yeah. Yeah. Beautiful. Do you have questions? It is a lot. It can be a bit confusing with the the type of TBD, what it is, what the definitions are, how it can be claimed. Did you want me to break anything of that down more for you? Did you have further questions in relation to any of that, Ryan? Yeah. Beautiful. Yes. Yes. Perfect. Perfect. Yeah. Absolutely. Perfect. And the other thing to look at, we also do have other types of personal insurances like income protection. Now I know with your your bus queue policy, you have TTD, which is a total it's sorry. Temporary disablement is part of your TBD, and it means that if you are unable to go to work for a certain period of time, they can pay out, like, a lump sum or a little bit of money as a temporary disablement. I also am aware that with your sea bus, there are often differences. It doesn't look like there's anything attached there at the moment, but BusQ and SeaBus and sometimes unions offer different types of cover. Do you have any kind of income protection cover that you're aware of through your union, your company that you work for, or through BusQ or bus that you're aware of. Yep. Okay. Yep. We're done. Yep. Yep. Perfect. Excellent. And with the the CIP, are you aware of the level of cover that you have, the waiting periods, and the information around the income protection policy? Yep. That's okay. Are you happy with just retaining that for now, or did you want me to look at trying to maybe obtain some sort of income protection or, like, expenditure protection insurances that might pay out if you're unable to go to work in the short term to help cover your regular expenditure of your family. Yep. Beautiful. Yep. Yeah. Yep. That's absolutely fine. If you're able to contact your payroll and find out a bit more about the policy, even if you can send any information through to me, that would be great. I can always break it down and have a look at what the policy is and be able to give you assistance on this general information about what it is, what you're covered for, the waiting periods, the benefit periods. I can pull a PDF apart for you as well and and give you some information around it to help you out. So if you're able to get that information, definitely do. If not, that's okay. I can scope out the income protection side of things for the time being, and then we can just focus on that down the track. Does that sound okay with you? Yep. Beautiful. Excellent. Now there are, again, other types of insurances. And, look, you can insure everything to the health. It's about what's important to you. When we look at personal insurances, you have life, TPD, income protection, and they also have trauma. Now trauma can pay out a lump sum benefit in the event that you're unable to or that you'd start diagnosed with a major traumatic condition. Often, the major conditions might be heart attack, stroke. Cancer's probably a big one. Parkinson's, MS, other neurological conditions. If you lose a limb or become permanently blind, there are those sorts of things. Trauma is an out of pocket expense, so you can't pay for inside super. It does have to be paid for out of your back pocket. But unlike TBD or income protection, there's no no employment restrictions on this sort of cover. So, basically, with trauma sorry. If you are diagnosed with a major traumatic condition, say you got cancer tomorrow, there's no waiting periods or definitions. You just have to fill out the claims paperwork. The doctor signs off to say, yes. You've been diagnosed with cancer, and then a lump sum payment is made to you. It is tax free. There's no tax consequences for it, and it can it is a lot easier to claim on. It can be really cheap to have maybe one or two years worth of income replacement. It gets more expensive, those level the higher the level of cover you have. Some people do have that as an offshoot to income protection or a bit of a buffer for other insurances. Some people prefer that instead. It just comes down to what you're comfortable with and also can you afford to pay for the insurances out of your back pocket? Did you want me to look at any kind of trauma for you? Or mhmm. Yep. That's absolutely fine. Not a problem at all. Lovely. So I'll look at life and TBD for you. We will scope out the income protection and not and and scope out any trauma for the moment. That's absolutely fine. The other thing to sort of look at is if you are if we do need to keep the three super funds open, we need to be able to make sure contributions can be going in. Now what does your expenditure look like through your household at the moment? Are you guys finding that you have any savings on a weekly or fortnightly or monthly basis? How's everything looking? Yeah? 200 per week? Beautiful. Yep. That's okay. So if we did look to keep the c bus and the bus queue open as well as they have 24 and make contributions in, is your employer open, or do you think they'd be willing to split your contributions out, or would you be needing to make contributions to each fund, maybe some from your bank account, some from your employer? How do you think that might be perceived by your boss? Mhmm. Yes. Yes. Yes. Mhmm. Yep. Keep those insurances at the license levels. Yep. Yep. Yep. That's okay. Yeah. That's okay. If I was to maybe make a recommendation that you kept the three funds open and that we were to maybe put some additional contributions in, would you be comfortable with me maybe telling you that we keep bus queue and hub 24 the way it is and we keep c bus open, but you make an additional contribution to, say, c bus to, a, keep the insurances working in place, but, b, make the cost worthwhile of having free funds? Is that something you're open to me doing? Yep. Yep. Yeah. Yeah. Absolutely. We can do that. Not a problem. I'll do the research against the funds and what this looks like and what you might have to contribute. If you're able to save about 200 per week, I wouldn't you wanna use up all of your savings, but just making sure that it is worth the cost of having them open. Okay? Excellent. Fantastic. Now sorry. The only other thing to sort of go through is I've confirmed your income. That's increased. We'll update that for you. Beautiful. With your super fund at the moment, now one of the other forms you have on that email is your hub twenty four performance report. If you're able to click on that one, it goes to and tells you what your hub twenty four has done for the year performance wise. Yep. Oh, nice. If you scroll if you open that one up and scroll to the second page, it essentially shows that with the internal rate of return net of fees, your super fund has made 8.89% return. So that is quite a good return for where you are, essentially with no contributions going in. It is solely the portfolio working and building. Some people do prefer a dollar figure as opposed to a percentage, and it essentially shows as a dollar figure, your super funds within hub twenty four has made $18,680.40 for the year. That's growth and income. That's with no contributions because they're all going into bus queue there. So yeah. Yeah. So the super fund has been working, doing what it needs to. This year has also been very up and down with what's been happening globally there as well. So it is kind of good to see that, you know, you have come out with a positive return. You're in kind of a high growth environment. So, essentially, when you think about high growth, you normally see about 90% of your super invested in growth assets. These are things like Australian shares, international shares, listed property, and commodities like gold and silver. You are taking a bit more risk to be in that kind of high growth environment. So you are wanting to see those greater returns. Generally speaking, when you think about the risk profile returns where you're sort of wanting to see around about eight to 10% on a yearly basis. So the 8% that you have, 8.89 is within that range. It's about middle range for your portfolio, which is good. But in that high growth environment, you are taking a bit more risk. So you do understand that when there are negatives, when there are down times, the portfolio will show that. It will be magnified. But when you see good times, then the returns are much higher because of that. Yeah. Yep. Oh, absolutely. Absolutely. Definitely. And, look, having a look at things. So you're 44 this year. So, you know, you're basically the same age as me. You've got a lot of time ahead of you. You can't really access supers at the age of 60 at the moment. So having a bit more risk now is preferable. If you were about sort of eight years away from accessing those funds, I would be absolutely pulling you back and saying, no. We need to start reducing the risk level now, but you can still keep that working and growing a bit longer. And then we just keep reviewing it with you regularly. And then when you are closer to accessing super, generally in that age 50 to 60 age range, we'll start really starting to be a bit more aggressive and pull things back a little bit, reduce the risk level gradually. So by the time you hit retirement, you're not sitting in high risk, and you haven't done a drastic drop. We've moved it down gradually. It stepped you down over time. Yeah. Then fantastic. Excellent. So I just wanted to quickly do a risk profile questionnaire as well just to reconfirm that, and that you have sort of said you are comfortable in a high growth environment. But I just had sort of two questions to ask to to sort of gauge how you might react in certain circumstances. If you did see a major market dip in the next sort of one to two years and your portfolio fell by 20%, how do you think you might be feeling? Do you think you'd be comfortable? Maybe an opportunity to invest more money and wanting to put maybe some funds into the investment while it's down. Do you think you'd be maybe calling us and having a chat, feeling a little bit concerned, or are you very anxious and maybe wanting to sell the investments to cash? How do you think you might react? Yep. Mhmm. Yep. Yep. Beautiful. That's a really good answer. I love that. When you I'm just going to so I'd sort of say you're feeling more optimistic about the investment opportunities in that sort of instance. Am I right with that answer? Yep. Beautiful. Beautiful. Have you ever owned shares or managed funds in your own name before? Yep. No. That's okay. That's absolutely fine. So you do own shares in your own name. Fantastic. And the last question here is, how do you feel about the the idea, sorry, of a of borrowing money from a financial institution in order to invest? Do you feel like it's too risky? You would only do so under advice, you'd be comfortable doing so, or would you only ever wanna borrow from a bank to buy maybe property? Where do you think you might fit in that instance? Yeah. Mhmm. Mhmm. Yep. Yep. Yep. Yep. Absolutely. No. Beautiful. Well, you have definitely scored during that high growth environment, and due to your age and stage, I'm happy to keep you there. I'll update the advice and do some changes. I have sorta had a look at the investment portfolio and can sort of see that I'd like to switch some of the investments out. So whilst you have got a good return, I can see one or two investors that might be underperforming a little bit and would like to maybe change up your portfolio there as well. There are different ways of investing. So you can have what's called, an actively managed portfolio, which is where you invest in investment managers who are trying to outperform against the market. You can pay a little bit more to have those sorts of investors in your portfolio. But and, look, there's no guarantees that these investment managers can outperform. Some years, they do really well. Others, they don't perform as well. But then there's also passively managed portfolios, which are tracking the market. Having a few of those is diversifying lower cost. They can still perform much greater. And in certain market conditions, this participating in the market actually does better than having investment managers that are trying to outperform against the market. Do you the market. Do you feel like you would like to have a bit more active management in your portfolio with different managers, or would you like to see something a bit more low cost, maybe keep fees lower in your portfolio? What would you like me to sort of see things through? Yep. Yep. Yep. Are you happy for me just to go back and review some of the investments and just remove some underperforming ones? Yep. Yep. Beautiful. I'll have a look at the portfolios that we have because this is one of the older ones as well. I'll look at what you've got whether just switching some investments works well or whether maybe switching the entire portfolio tracking forward. I can keep it in that high growth sort of range for you, and you still wanna see some active management in your portfolio. Is that right? Yep. Beautiful. Excellent. And just going through and updating all of your assets and liabilities there at the moment. Now last time we called up, you had some cash in the bank of that 75 Do you still have that cash in the bank? 55? Fantastic. And I'll just add the caravan on here as well. Beautiful. What value would you put on the caravan there? 20,000? Fantastic. Lovely. And that's all earned out right since you used the cash to purchase it? Yep. Fantastic. Excellent. I've also got your vehicle, which is a Jeep Grand Cherokee. Do you still have the same vehicle? Fantastic. Value on that last year was about 30,000. Would you update or change that value at all? Yep. Absolutely fine. Beautiful. And then I've got contents and tools, a combined value of 75,000. Would you keep that about the same or maybe alter that? The same? Excellent. And then your boat with a value of 15,000, would you update or change that at all? Okay. Perfect. Excellent. And then rent, we had you guys paying about 750 per week. Has the rent stayed the same this year? $8.10 per week? Lovely. Thank you for updating that. Appreciate it. Medium medium term goals I have down here that you're wanting to purchase property generally around the next sort of twenty four months then. I also had it down the ridge in that moving forward, you would like to build more of a property portfolio towards your time and as well. Is that still one of your goals, or are you happy with just being able to purchase your main primary residence and move your family in there in the next couple of years? What sort of other property goals do you have? Yep. Yep. So buy investment properties to hold as an estate planning sort of thing for generational wealth. For each of the kids. For each of the kids to build generational wealth. Very good. Excellent. Fantastic. I've got down here with regard to your super that you were hoping to be able to access that and hopefully retire around about age 60. Is that still our goal? We wanna retire as soon as we possibly can. Yep. Beautiful. Excellent. Yeah. I've got down here that with your direct your personal shares in Comsector that you were wanting to put additional funds into that down the track. Are you wanting to build that investment portfolio, or you're sort of more open to investing in other areas? Yep. Beautiful. Lovely. And then I've got down here that in the event of passing, you want all the super and your life proceeds to be passed to your wife, Angela. That's still appropriate and accurate. Lovely. I've also just double checked your beneficiary nomination on hub 24 there as well and noted that it is a 100% to Angela. You've got a binding non lapsing nomination, which is good. It means that you've found the trustee to follow your direction, and non lapsing means you don't have to keep filling out that form on a regular basis. We will just double check that with you every year to make sure it's still appropriate. If at any point you want that changed, we can have it updated for you. Okay? Excellent. All good. Also noted here, you don't have a will and power of attorney or haven't in the past. Have you ever drawn up a will, power of attorney, or have you and your wife ever spoken about doing these documents with a a lawyer? Not done yet. That's okay. I can also scope in the estate planning side to your super if you like just to recommend that you do do so. We can refer you to a solicitor and provide some additional information on how how to get those done to help you guys out as well. Excellent. Lovely. Now it has been your last pre assessment was actually done up in late twenty twenty four. I like to do a new pre assessment with you if possible just so when I'm doing research with the insurance providers, I can really look at what contracts might be on offer, especially with your Occhiopation just making sure, you know, we can get the best possible outcome for you. Is there a day maybe this week or next week that I could get one of my admin team to give you a call? I know afternoons tend to work better, and just go through a quick five minute pre assessment with you. Good. No. That's okay. Okay. Yeah. I can do that. Not a problem at all. So next Monday, I could do sort of four, 04:30, 5PM. What would be better for you, do you think? 04:30? Yeah. Not a problem. I'll add a little text message reminder on there for you just so it sends you a message to let you know we'll be calling, and my admin team will run through a quick pre assessment with you, get the information that they need, and then I can complete the research on things. Okay? Beautiful. Now the only other thing to let you know is the signing section of that document you've received, that is essentially the ongoing service agreement. Now previously, we've had a set fee structure where it was 1.65%. That is the yearly percentage of our service fees, and then the fee is deducted in smaller monthly increments. We have recently had to update and change our ongoing service fee, which is now gonna be a tiered structure, a bit like the tax bracket. So, essentially, with your balance being from 0 to 200,000, our percentage is 1.65%. And then once your balance hits 200,000 to 500,000, for the balance over 200,000, the ongoing service fee percentage drops, to 1.375. Once your super balance hits over that 500,000 mark, then you go into the next tier. It's essentially just making sure that as your super balance grows, that the the percentage of the ongoing service fee decreases a little bit. It does mean that, obviously, you are paying each individual tier. We've had to kind of update things because the cost of advice has updated. There's been a lot of changes in legislation in what we have to do, and there's a lot of work around the advice that we do research. The the team members involved in drawing up the advice documents, the presentation, and then the implementation side of things. And we don't charge any implementation fees for our advice as well. You're an ongoing client, so we just charge the ongoing service fee. If you are able to click on that sign button for me, I can take you through and show you essentially what the fee is for the year because it works out to be we work it out as a dollar fee based on the tiered structure. So that document based on your balance will essentially charge the ongoing service fee for the year as a dollar figure of $3,241.01. Okay? That's 1¢. Correct. Correct. Can't forget that for the one cent. That's it. I've I've also attached this financial services guide for you, so you're welcome to run your eyes over that, have a look at how the tiered structure works. Previous, our ongoing service fee was at 1.65%, and it stayed 1.65% essentially no matter what your balance was. It just stated the same. So this with the tiered structure means that as your balance increases, you do move into the next tier and the that tier the percentage of that tier drops a little bit for you. So it does mean that overall, you know, the fees might be slightly higher than where they were initially. We don't no longer cap them at 600,000. We keep them going to 2,000,000, but that making sure things are working harder for you as well. And that's only charged at the hub twenty four. So we don't charge any set ongoing service fees for holding or looking after c bus or bus queue. That's all done as part of our advice, as part of our services and invest interest to you. It's only on the balance in hub twenty four that is affected by the ongoing service fee. Does that make sense? Do you have any questions? You're welcome to let me know if you do. Excellent. You're a legend. Thank you so much for that. I appreciate it. I appreciate taking my call. I will let you go so you can enjoy your day. I've booked in your pre assessment for Monday, and I've added a text message reminder there for you as well. So we'll send you a message an hour prior to remind you that we're calling. My team member, Samantha, will be the one to give you a call. She's fantastic. These pre assessments will make it nice and easy on you. Okay. Fantastic. Fantastic. My pleasure, Ryan. I'll get stuck into the research, and I'll get once Samantha has done the pre assessment with her I'll with you. Sorry. I'll get her to rebook in your advice presentation in a couple of weeks' time. Okay? Appreciate it. Thank you for your time. Have a good day. Don't work too hard. No worries. See you later. 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Financial annual review. Hi, Ryan. It's Dana from Okey Financial. How are you this morning? I'm very well.\n\nThank you. Thanks for asking. I had to book in to go through your interview. Is now still a good time there for you? Fantastic.\n\nBefore we jump into the call, I just have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just a quick security check there with you as well. I just need to confirm your full name, your date of birth, and address I should have on file.\n\nYep. Yep. Great. Thank you so much for that. Ryan, so we did actually send through your advice document and had tried to present that earlier in the year.\n\nUnfortunately, it has now expired. So we just need to do a new a new review with you and kinda go through and update all your circumstances, and then we can look to provide and update the advice for you. Okay? Excellent. All good.\n\nBefore I jump into the call oh, sorry. Before I go through things, I do also normally send through just a copy of your annual review documents there for you to review. Are you able to access your emails at the moment? The there, I believe let me have a quick look for you. That's okay.\n\nNo. Oh, it's okay. Okay. I will be here to assist you. Don't worry.\n\nI am sending you the annual review docs. They'll appear in your email there as well shortly. I'll just go in and have a quick look at the recently sent documents for you. So all here we go. Yeah.\n\nSo the last document sent was on the April 21, and that one has expired. That one wasn't unfortunately signed. Yeah. That's okay. That's okay.\n\nIt's all good. Let's go through. We'll do a review of the circumstances, have a look at things now, and I'll go back and I'll update the advice. I can see we've got your third party authority all updated there as well. So we'll be able to do updated research for you on, I believe, your Cbus account as well.\n\nSo we'll go back and do some research, and I'll book you back in in a couple of weeks. We'll come back together and go through that advice document at a time that suits you. Okay? All good. Perfect.\n\nThe first on that email, can you see the email that I've just recently sent through to you there at all? Yep. I will in a second. If you can just before you press the sign button, if you scroll down slightly, you'll see some attachments on there. Can you see the attachments?\n\nOne of those will say summary of superannuation and insurances. Yep. Beautiful. That one there, when it opens up for you, just gives you an update of your balances between the three different funds that you do hold at the moment. Yep.\n\nSo hub twenty four, you've got a balance there. Sorry. You are can you see that if you can't tell me to stop? You got it there. 186, yeah, 9 68, and then bus queue's got about 30,000.\n\nTheir c bus has twenty seven thousand five ninety two. So what we wanna be able to do and what we have been sort of wanting to try and help you to do is to consolidate as many of these as possible. So at the moment, you do have three super funds. It is more administration fees, but you also only have contributions going into one of those funds currently. So being able to maybe consolidate things back a little bit for you, streamline it, make it a bit easier, save you some fees, and make sure your money is growing as hard and working as hard as possible for you is the preference there.\n\nYeah. Mhmm. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Absolutely. Yeah. So we have been trying to work out what to do.\n\nThe if you are looking to keep all three of those open, we would need to look at finding a way to be able to contribute into all three of them for you with the I'm just sort of having a look because with the insurances we do have at the moment, the are we? The c bus has the life in TBD giving you life of, at the moment, about 208,000 and a 124 of TBD. Your bus queue gives you, has a level cover of 200,000 of life and about 60,000 of TBD. But when we sort of break down the the rest of it, the bus queue also offers, like, TTD, which is sort of a temporary disablement, whereas C Bus doesn't really have any kind of income protection side of things there. So I think moving forward, just kind of reevaluating what it is that you actually wanna have with insurances, what you wanna have covered, and what your goals are will probably help us to decide which ones we do consolidate or whether we do keep all three open and whether we just look to make additional contributions out of your cash flow into one of those to kind of keep it working.\n\nBecause the other thing is in order to have those refunds open, we need to make sure as well. That way, you can keep them open, keep them working, they can keep paying the insurance premiums. One of the risks you do have is that if you stop paying contributions to one of the funds, most of them will continue to draw the insurance premiums for a period of time. But once the fund ends up with not enough money in there, then the insurances do cancel after a period of time as well. So we just wanna make sure that if you're wanting to keep all that cover there, that we do make sure that the cover is appropriate to you and that you are able to keep it working harder.\n\nDoes that make sense? If it doesn't, let me know. Yeah. So if I look at the the kind of cover you're after with life and TCD, let's look at life first. So life is essentially in the event that you were to pass away.\n\nYour life cover currently with us here is sitting at 200,000. With c buses, 208. That is based on the research from the twenty third of covered limit you have there and also the balance, which could be different to what we have noted here. If you were to say pass away based on this information, you've got the 208,000 of life with Cbus, 200,000 of life with BusQ, and then your super balance is paid out on top of that to your beneficiaries. So we've got a $106.09 $6.08 in hub 24, 30,099 in bus queue, and approximately $27,005.09 2 sitting in c bus based on the research.\n\nThat essentially pays out a lump sum benefit to your beneficiary of, at the moment, 652,000. I'll go back and reconfirm the c bus side of things. But if you think about if you were to pass away today and that 652,000 was paid out, where do you want it to be paid to, and what do you want that to cover? Yeah. It's Angela?\n\nYep. Yeah. Okay. Yep. Excellent.\n\nSo a 100% to Angela. Excellent. Now are you does she work? What if you were to pass away, would she need to would you be comfortable with that amount kinda covering debts and things like that? What kind of bills or debts would she have to cover up front if you were to pass away?\n\nYep. Yep. Yep. Okay. Oh, wait.\n\nLovely. And do you think and this is a pretty tough question. I get that. But do you think if you would have passed away, do you think she would wanna maybe keep working part time earning that same money, or do you think you'd rather have enough that she could take some time off and, you know, just raise the kids and think about, you know, what she wants to do moving forward. A couple of years old?\n\nYeah. Yeah. Okay. Absolutely. Absolutely.\n\nAnd when you think about the amount of the 652,000, the income I had for you last year was about a 140,000. Is that still the same income, or have you got a pay increase on that one at all? Yeah. Yep. That's okay.\n\nThat's absolutely fine. If you think about the life cover and the current benefit amount of $606,152,006 59, and if you divide that by a 150,000, it essentially, with no debts, would cover your gross income for your family for about 4.3. So just over four years. Do you think that is sufficient, or would you like me to go and see if I can do something with the cover and maybe look to consolidate or get you some more life cover? How do you feel about that?\n\nWhat would you like me to be able to do for this for you? Yeah? Yeah. Yeah. That's okay.\n\nIs there four years? It's time for her to work it out. Lovely. And how old are your kids? I've got you've got two children.\n\nYep. Okay. Beautiful. Lovely. Alright.\n\nSo we're looking to make sure that we're covering about four or just over four years of income as you guys have no debts, and that would feel fairly sufficient for you for a life benefit between your super as well as the the life cover that you're insured for. Does that sound accurate? Am I on the right track with that? Yep. Oh, absolutely.\n\nThat's absolutely fine. And do you plan on buying that property within the next sort of twelve months, or is that more of a medium term goal down the track? Yes. Yep. Beautiful.\n\nSo that's two years away. And I definitely do agree with you. When you do happen to buy that property, let me know. I would absolutely be wanting to reevaluate your goals, your advice, and definitely your insurance aspects and things like that then as well. Okay?\n\nExcellent. The other thing you have is TPD. So TPD pays out a lump sum benefit or an income stream in the event that you're unable to go back to work again. So totally permanently capacitated. You can also claim on your super benefit at the same time.\n\nSo you we can get basically, you're covered for the same amount between. Well, actually, no. Sorry. Your TBD is lower in your industry funds. So you currently have between the two funds, 60,000 and 124,000 of TBD.\n\nAnd then if we were to have your super benefit released, which is possible, 968 plus 399 plus 2700592, it essentially means that under the total permanent incapacity, your the level of cover you have for TBD between the insurances and your super balance is $428,006.59. Now TBD, as I mentioned, is total incapacity. So, essentially, you're claiming that if you can never go back to work again. I know one of the things over the last couple of years, it has been hard to sort of look at TBD or getting new cover for TBD because of your occupation. Unfortunately, being a rigor, very high risk of injury or claiming your disability.\n\nBut has there been any changes to your occupation? Are you still in the same occupation? Are you doing more admin work? What does your job look like at the moment? Exactly the same.\n\nYep. Okay. Yep. Yep. Beautiful.\n\nYep. Beautiful. And can I ask, I'm so sorry? I'm a novice, and I work in finance. So I don't exactly understand what it is that you do, but what does a rigger do?\n\nWhat is your day to day role or tasks look like? Yeah. Yep. Yep. Yep.\n\nRight. Right. And you're at the top of the of the crane. Is that right? Or are you at the top of the building?\n\nOkay. Yep. Absolutely. Okay. And are you basically on the ground when you're doing your role?\n\nYou're not sort of up high at all? Yep. You're on the building? Yep. Yep.\n\nOkay. Yep. Perfect. Perfect. I have a much better understanding of that.\n\nThank you so much. I do apologize. I definitely in this role, you get to learn a lot about what people do. But, I mean, in construction, especially, you have so many different components and parts and people that do all these different roles. I just always have to make sure I understand a little bit more about it.\n\nLook. What I would what I would probably like to do yeah. No. That's that's absolutely fine. In the event of, say, permanent capacity, so if you were never able to go back to work again because of, you know, something happening in your role, do you think that 420,000, if I sort of the 428,000, if I divide that by your current gross income, it essentially gives you a little over two years.\n\nIt's under three years, so two years and eight months worth of gross income noting that, obviously, tax is there. So you could probably reduce that back a little bit and get about three years worth of income out of that. But that would use up all of your insurances plus your super. And one of the most important things to consider is that when you claim on TBD, when you're under the age of 60, unfortunately, and I wholeheartedly disagree with this, but the government actually taxes you. The tax can be up to 22%.\n\nIt depends on your age and stage and a few other factors that the tax can be lessened. And we as advisers, if you claim on TPD, we'll help you with the claim, but then we will also provide advice on how to structure things to help limit that. But do you feel like that level of TBD you have is sufficient, or would you wanna maybe look at trying to get something else? And I'm happy to go back and do all the research I can on what I can get CBD wise to assist you. But did you want me to maybe look at some other cover and see what else I can come up with?\n\nMore? Yep. How many years of income replacement would you feel comfortable with do you think as a base knowing that Angela could definitely go back to work later down the track? Would you want me to cover, you know, five or ten years worth of net or gross income or a little bit less? What would you be comfortable with having?\n\nYep. Did you want me to work on gross income or net? Gross obviously does. Because it's gross, it covers the tax side of things, but it also can just give you a little bit of a buffer in case you have income increases down the track, or I could look to make it a bit cheaper and focus on five years of net income for you. What would you prefer?\n\nIt is. It's disgusting, honestly. I do not like I think if if you're injured and you can't get back to work again, the last thing you should be doing is paying I don't don't like it at all. It is. On the gross?\n\nYep. Beautiful. And what I'll do is I'll update the advice for you. I'll go back and reflect things. Now because of your occupation, it can be difficult to get TBD.\n\nSo I can look to keep whatever I can with the funds you have here at the moment. There may be a possibility where we can't get. So to kind of break down TBD, and it gets a little bit confusing, and I do apologize. Let me know if you have more questions. But there are different definitions to claiming on TPD.\n\nThe most the best definition you can have is an own occupation. That means that you would have to be unable to ever go back to work in the occupation you were doing prior to your disability. That kind of occupation for TPD has to be paid out of your back pocket. It can't be paid for inside paper. It does make that kind of cover a lot more expensive.\n\nIt would be very hard to probably get that for your occupation. So the other definition you have with the bus queue and the c bus isn't any occupation, and that means that in order for you to claim on TBD, you just have to have doctors proving that you're never gonna go back to work again for any occupation for which you were educated, trained, or have worked in the past. It does make it a lot harder to claim on those definitions. But if you I mean, with your role, if something people, in super. There are other definitions.\n\nSo these are the most common ones in super, but they are depending on what your occupation is. A lot of insurers have trouble with the risk level of giving in any occupation definition. So it means that when I look at retail or other providers, aside from what you already have, they may not offer the same type of cover. I may be able to get and I will look at all the options I have available and see what the insurers are gonna offer. But the third definition with the TPD is ADL, and it just basically means that you are never able to go back to work again and that you require assistance with eating.\n\nSo eating, dressing, bathing, driving, just, you know, normal everyday living. It is a much harder definition to claim on, but I might be able to get some sort of top up cover for you to build it up to level you need. It may have to be this ADL definition. If I can only go that way, I would try to keep everything you have to give you the best possible claim up front. And then we have this backup cover down here, which might be a different definition.\n\nBut are you comfortable with me looking at all those options and coming up with whatever I possibly can to give you that extra level of cover even if it's a different definition. Yeah. Yeah. Beautiful. Do you have questions?\n\nIt is a lot. It can be a bit confusing with the the type of TBD, what it is, what the definitions are, how it can be claimed. Did you want me to break anything of that down more for you? Did you have further questions in relation to any of that, Ryan? Yeah.\n\nBeautiful. Yes. Yes. Perfect. Perfect.\n\nYeah. Absolutely. Perfect. And the other thing to look at, we also do have other types of personal insurances like income protection. Now I know with your your bus queue policy, you have TTD, which is a total it's sorry.\n\nTemporary disablement is part of your TBD, and it means that if you are unable to go to work for a certain period of time, they can pay out, like, a lump sum or a little bit of money as a temporary disablement. I also am aware that with your sea bus, there are often differences. It doesn't look like there's anything attached there at the moment, but BusQ and SeaBus and sometimes unions offer different types of cover. Do you have any kind of income protection cover that you're aware of through your union, your company that you work for, or through BusQ or bus that you're aware of. Yep.\n\nOkay. Yep. We're done. Yep. Yep.\n\nPerfect. Excellent. And with the the CIP, are you aware of the level of cover that you have, the waiting periods, and the information around the income protection policy? Yep. That's okay.\n\nAre you happy with just retaining that for now, or did you want me to look at trying to maybe obtain some sort of income protection or, like, expenditure protection insurances that might pay out if you're unable to go to work in the short term to help cover your regular expenditure of your family. Yep. Beautiful. Yep. Yeah.\n\nYep. That's absolutely fine. If you're able to contact your payroll and find out a bit more about the policy, even if you can send any information through to me, that would be great. I can always break it down and have a look at what the policy is and be able to give you assistance on this general information about what it is, what you're covered for, the waiting periods, the benefit periods. I can pull a PDF apart for you as well and and give you some information around it to help you out.\n\nSo if you're able to get that information, definitely do. If not, that's okay. I can scope out the income protection side of things for the time being, and then we can just focus on that down the track. Does that sound okay with you? Yep.\n\nBeautiful. Excellent. Now there are, again, other types of insurances. And, look, you can insure everything to the health. It's about what's important to you.\n\nWhen we look at personal insurances, you have life, TPD, income protection, and they also have trauma. Now trauma can pay out a lump sum benefit in the event that you're unable to or that you'd start diagnosed with a major traumatic condition. Often, the major conditions might be heart attack, stroke. Cancer's probably a big one. Parkinson's, MS, other neurological conditions.\n\nIf you lose a limb or become permanently blind, there are those sorts of things. Trauma is an out of pocket expense, so you can't pay for inside super. It does have to be paid for out of your back pocket. But unlike TBD or income protection, there's no no employment restrictions on this sort of cover. So, basically, with trauma sorry.\n\nIf you are diagnosed with a major traumatic condition, say you got cancer tomorrow, there's no waiting periods or definitions. You just have to fill out the claims paperwork. The doctor signs off to say, yes. You've been diagnosed with cancer, and then a lump sum payment is made to you. It is tax free.\n\nThere's no tax consequences for it, and it can it is a lot easier to claim on. It can be really cheap to have maybe one or two years worth of income replacement. It gets more expensive, those level the higher the level of cover you have. Some people do have that as an offshoot to income protection or a bit of a buffer for other insurances. Some people prefer that instead.\n\nIt just comes down to what you're comfortable with and also can you afford to pay for the insurances out of your back pocket? Did you want me to look at any kind of trauma for you? Or mhmm. Yep. That's absolutely fine.\n\nNot a problem at all. Lovely. So I'll look at life and TBD for you. We will scope out the income protection and not and and scope out any trauma for the moment. That's absolutely fine.\n\nThe other thing to sort of look at is if you are if we do need to keep the three super funds open, we need to be able to make sure contributions can be going in. Now what does your expenditure look like through your household at the moment? Are you guys finding that you have any savings on a weekly or fortnightly or monthly basis? How's everything looking? Yeah?\n\n200 per week? Beautiful. Yep. That's okay. So if we did look to keep the c bus and the bus queue open as well as they have 24 and make contributions in, is your employer open, or do you think they'd be willing to split your contributions out, or would you be needing to make contributions to each fund, maybe some from your bank account, some from your employer?\n\nHow do you think that might be perceived by your boss? Mhmm. Yes. Yes. Yes.\n\nMhmm. Yep. Keep those insurances at the license levels. Yep. Yep.\n\nYep. That's okay. Yeah. That's okay. If I was to maybe make a recommendation that you kept the three funds open and that we were to maybe put some additional contributions in, would you be comfortable with me maybe telling you that we keep bus queue and hub 24 the way it is and we keep c bus open, but you make an additional contribution to, say, c bus to, a, keep the insurances working in place, but, b, make the cost worthwhile of having free funds?\n\nIs that something you're open to me doing? Yep. Yep. Yeah. Yeah.\n\nAbsolutely. We can do that. Not a problem. I'll do the research against the funds and what this looks like and what you might have to contribute. If you're able to save about 200 per week, I wouldn't you wanna use up all of your savings, but just making sure that it is worth the cost of having them open.\n\nOkay? Excellent. Fantastic. Now sorry. The only other thing to sort of go through is I've confirmed your income.\n\nThat's increased. We'll update that for you. Beautiful. With your super fund at the moment, now one of the other forms you have on that email is your hub twenty four performance report. If you're able to click on that one, it goes to and tells you what your hub twenty four has done for the year performance wise.\n\nYep. Oh, nice. If you scroll if you open that one up and scroll to the second page, it essentially shows that with the internal rate of return net of fees, your super fund has made 8.89% return. So that is quite a good return for where you are, essentially with no contributions going in. It is solely the portfolio working and building.\n\nSome people do prefer a dollar figure as opposed to a percentage, and it essentially shows as a dollar figure, your super funds within hub twenty four has made $18,680.40 for the year. That's growth and income. That's with no contributions because they're all going into bus queue there. So yeah. Yeah.\n\nSo the super fund has been working, doing what it needs to. This year has also been very up and down with what's been happening globally there as well. So it is kind of good to see that, you know, you have come out with a positive return. You're in kind of a high growth environment. So, essentially, when you think about high growth, you normally see about 90% of your super invested in growth assets.\n\nThese are things like Australian shares, international shares, listed property, and commodities like gold and silver. You are taking a bit more risk to be in that kind of high growth environment. So you are wanting to see those greater returns. Generally speaking, when you think about the risk profile returns where you're sort of wanting to see around about eight to 10% on a yearly basis. So the 8% that you have, 8.89 is within that range.\n\nIt's about middle range for your portfolio, which is good. But in that high growth environment, you are taking a bit more risk. So you do understand that when there are negatives, when there are down times, the portfolio will show that. It will be magnified. But when you see good times, then the returns are much higher because of that.\n\nYeah. Yep. Oh, absolutely. Absolutely. Definitely.\n\nAnd, look, having a look at things. So you're 44 this year. So, you know, you're basically the same age as me. You've got a lot of time ahead of you. You can't really access supers at the age of 60 at the moment.\n\nSo having a bit more risk now is preferable. If you were about sort of eight years away from accessing those funds, I would be absolutely pulling you back and saying, no. We need to start reducing the risk level now, but you can still keep that working and growing a bit longer. And then we just keep reviewing it with you regularly. And then when you are closer to accessing super, generally in that age 50 to 60 age range, we'll start really starting to be a bit more aggressive and pull things back a little bit, reduce the risk level gradually.\n\nSo by the time you hit retirement, you're not sitting in high risk, and you haven't done a drastic drop. We've moved it down gradually. It stepped you down over time. Yeah. Then fantastic.\n\nExcellent. So I just wanted to quickly do a risk profile questionnaire as well just to reconfirm that, and that you have sort of said you are comfortable in a high growth environment. But I just had sort of two questions to ask to to sort of gauge how you might react in certain circumstances. If you did see a major market dip in the next sort of one to two years and your portfolio fell by 20%, how do you think you might be feeling? Do you think you'd be comfortable?\n\nMaybe an opportunity to invest more money and wanting to put maybe some funds into the investment while it's down. Do you think you'd be maybe calling us and having a chat, feeling a little bit concerned, or are you very anxious and maybe wanting to sell the investments to cash? How do you think you might react? Yep. Mhmm.\n\nYep. Yep. Beautiful. That's a really good answer. I love that.\n\nWhen you I'm just going to so I'd sort of say you're feeling more optimistic about the investment opportunities in that sort of instance. Am I right with that answer? Yep. Beautiful. Beautiful.\n\nHave you ever owned shares or managed funds in your own name before? Yep. No. That's okay. That's absolutely fine.\n\nSo you do own shares in your own name. Fantastic. And the last question here is, how do you feel about the the idea, sorry, of a of borrowing money from a financial institution in order to invest? Do you feel like it's too risky? You would only do so under advice, you'd be comfortable doing so, or would you only ever wanna borrow from a bank to buy maybe property?\n\nWhere do you think you might fit in that instance? Yeah. Mhmm. Mhmm. Yep.\n\nYep. Yep. Yep. Absolutely. No.\n\nBeautiful. Well, you have definitely scored during that high growth environment, and due to your age and stage, I'm happy to keep you there. I'll update the advice and do some changes. I have sorta had a look at the investment portfolio and can sort of see that I'd like to switch some of the investments out. So whilst you have got a good return, I can see one or two investors that might be underperforming a little bit and would like to maybe change up your portfolio there as well.\n\nThere are different ways of investing. So you can have what's called, an actively managed portfolio, which is where you invest in investment managers who are trying to outperform against the market. You can pay a little bit more to have those sorts of investors in your portfolio. But and, look, there's no guarantees that these investment managers can outperform. Some years, they do really well.\n\nOthers, they don't perform as well. But then there's also passively managed portfolios, which are tracking the market. Having a few of those is diversifying lower cost. They can still perform much greater. And in certain market conditions, this participating in the market actually does better than having investment managers that are trying to outperform against the market.\n\nDo you the market. Do you feel like you would like to have a bit more active management in your portfolio with different managers, or would you like to see something a bit more low cost, maybe keep fees lower in your portfolio? What would you like me to sort of see things through? Yep. Yep.\n\nYep. Are you happy for me just to go back and review some of the investments and just remove some underperforming ones? Yep. Yep. Beautiful.\n\nI'll have a look at the portfolios that we have because this is one of the older ones as well. I'll look at what you've got whether just switching some investments works well or whether maybe switching the entire portfolio tracking forward. I can keep it in that high growth sort of range for you, and you still wanna see some active management in your portfolio. Is that right? Yep.\n\nBeautiful. Excellent. And just going through and updating all of your assets and liabilities there at the moment. Now last time we called up, you had some cash in the bank of that 75 Do you still have that cash in the bank? 55?\n\nFantastic. And I'll just add the caravan on here as well. Beautiful. What value would you put on the caravan there? 20,000?\n\nFantastic. Lovely. And that's all earned out right since you used the cash to purchase it? Yep. Fantastic.\n\nExcellent. I've also got your vehicle, which is a Jeep Grand Cherokee. Do you still have the same vehicle? Fantastic. Value on that last year was about 30,000.\n\nWould you update or change that value at all? Yep. Absolutely fine. Beautiful. And then I've got contents and tools, a combined value of 75,000.\n\nWould you keep that about the same or maybe alter that? The same? Excellent. And then your boat with a value of 15,000, would you update or change that at all? Okay.\n\nPerfect. Excellent. And then rent, we had you guys paying about 750 per week. Has the rent stayed the same this year? $8.10 per week?\n\nLovely. Thank you for updating that. Appreciate it. Medium medium term goals I have down here that you're wanting to purchase property generally around the next sort of twenty four months then. I also had it down the ridge in that moving forward, you would like to build more of a property portfolio towards your time and as well.\n\nIs that still one of your goals, or are you happy with just being able to purchase your main primary residence and move your family in there in the next couple of years? What sort of other property goals do you have? Yep. Yep. So buy investment properties to hold as an estate planning sort of thing for generational wealth.\n\nFor each of the kids. For each of the kids to build generational wealth. Very good. Excellent. Fantastic.\n\nI've got down here with regard to your super that you were hoping to be able to access that and hopefully retire around about age 60. Is that still our goal? We wanna retire as soon as we possibly can. Yep. Beautiful.\n\nExcellent. Yeah. I've got down here that with your direct your personal shares in Comsector that you were wanting to put additional funds into that down the track. Are you wanting to build that investment portfolio, or you're sort of more open to investing in other areas? Yep.\n\nBeautiful. Lovely. And then I've got down here that in the event of passing, you want all the super and your life proceeds to be passed to your wife, Angela. That's still appropriate and accurate. Lovely.\n\nI've also just double checked your beneficiary nomination on hub 24 there as well and noted that it is a 100% to Angela. You've got a binding non lapsing nomination, which is good. It means that you've found the trustee to follow your direction, and non lapsing means you don't have to keep filling out that form on a regular basis. We will just double check that with you every year to make sure it's still appropriate. If at any point you want that changed, we can have it updated for you.\n\nOkay? Excellent. All good. Also noted here, you don't have a will and power of attorney or haven't in the past. Have you ever drawn up a will, power of attorney, or have you and your wife ever spoken about doing these documents with a a lawyer?\n\nNot done yet. That's okay. I can also scope in the estate planning side to your super if you like just to recommend that you do do so. We can refer you to a solicitor and provide some additional information on how how to get those done to help you guys out as well. Excellent.\n\nLovely. Now it has been your last pre assessment was actually done up in late twenty twenty four. I like to do a new pre assessment with you if possible just so when I'm doing research with the insurance providers, I can really look at what contracts might be on offer, especially with your Occhiopation just making sure, you know, we can get the best possible outcome for you. Is there a day maybe this week or next week that I could get one of my admin team to give you a call? I know afternoons tend to work better, and just go through a quick five minute pre assessment with you.\n\nGood. No. That's okay. Okay. Yeah.\n\nI can do that. Not a problem at all. So next Monday, I could do sort of four, 04:30, 5PM. What would be better for you, do you think? 04:30?\n\nYeah. Not a problem. I'll add a little text message reminder on there for you just so it sends you a message to let you know we'll be calling, and my admin team will run through a quick pre assessment with you, get the information that they need, and then I can complete the research on things. Okay? Beautiful.\n\nNow the only other thing to let you know is the signing section of that document you've received, that is essentially the ongoing service agreement. Now previously, we've had a set fee structure where it was 1.65%. That is the yearly percentage of our service fees, and then the fee is deducted in smaller monthly increments. We have recently had to update and change our ongoing service fee, which is now gonna be a tiered structure, a bit like the tax bracket. So, essentially, with your balance being from 0 to 200,000, our percentage is 1.65%.\n\nAnd then once your balance hits 200,000 to 500,000, for the balance over 200,000, the ongoing service fee percentage drops, to 1.375. Once your super balance hits over that 500,000 mark, then you go into the next tier. It's essentially just making sure that as your super balance grows, that the the percentage of the ongoing service fee decreases a little bit. It does mean that, obviously, you are paying each individual tier. We've had to kind of update things because the cost of advice has updated.\n\nThere's been a lot of changes in legislation in what we have to do, and there's a lot of work around the advice that we do research. The the team members involved in drawing up the advice documents, the presentation, and then the implementation side of things. And we don't charge any implementation fees for our advice as well. You're an ongoing client, so we just charge the ongoing service fee. If you are able to click on that sign button for me, I can take you through and show you essentially what the fee is for the year because it works out to be we work it out as a dollar fee based on the tiered structure.\n\nSo that document based on your balance will essentially charge the ongoing service fee for the year as a dollar figure of $3,241.01. Okay? That's 1¢. Correct. Correct.\n\nCan't forget that for the one cent. That's it. I've I've also attached this financial services guide for you, so you're welcome to run your eyes over that, have a look at how the tiered structure works. Previous, our ongoing service fee was at 1.65%, and it stayed 1.65% essentially no matter what your balance was. It just stated the same.\n\nSo this with the tiered structure means that as your balance increases, you do move into the next tier and the that tier the percentage of that tier drops a little bit for you. So it does mean that overall, you know, the fees might be slightly higher than where they were initially. We don't no longer cap them at 600,000. We keep them going to 2,000,000, but that making sure things are working harder for you as well. And that's only charged at the hub twenty four.\n\nSo we don't charge any set ongoing service fees for holding or looking after c bus or bus queue. That's all done as part of our advice, as part of our services and invest interest to you. It's only on the balance in hub twenty four that is affected by the ongoing service fee. Does that make sense? Do you have any questions?\n\nYou're welcome to let me know if you do. Excellent. You're a legend. Thank you so much for that. I appreciate it.\n\nI appreciate taking my call. I will let you go so you can enjoy your day. I've booked in your pre assessment for Monday, and I've added a text message reminder there for you as well. So we'll send you a message an hour prior to remind you that we're calling. My team member, Samantha, will be the one to give you a call.\n\nShe's fantastic. These pre assessments will make it nice and easy on you. Okay. Fantastic. Fantastic.\n\nMy pleasure, Ryan. I'll get stuck into the research, and I'll get once Samantha has done the pre assessment with her I'll with you. Sorry. I'll get her to rebook in your advice presentation in a couple of weeks' time. Okay?\n\nAppreciate it. Thank you for your time. Have a good day. Don't work too hard. No worries.\n\nSee you later. See you later.","paragraphs":[{"sentences":[{"text":"Oakview Financial annual review.","start":6.64,"end":8.74,"sentiment":"neutral","sentiment_score":0.03335035219788551},{"text":"Hi, Ryan.","start":25.455,"end":26.01,"sentiment":"neutral","sentiment_score":0.1311871036887169},{"text":"It's Dana from Okey Financial.","start":26.09,"end":26.91,"sentiment":"neutral","sentiment_score":0.18187243044376372},{"text":"How are you this morning?","start":27.69,"end":28.75,"sentiment":"neutral","sentiment_score":0.20062013268470763},{"text":"I'm very well.","start":30.970001,"end":31.93,"sentiment":"positive","sentiment_score":0.47555867830912274}],"sentiment":"neutral","sentiment_score":0.19657444561782636,"num_words":19,"start":6.64,"end":31.93},{"sentences":[{"text":"Thank you.","start":31.93,"end":32.33,"sentiment":"positive","sentiment_score":0.5764783620834351},{"text":"Thanks for asking.","start":32.33,"end":32.97,"sentiment":"positive","sentiment_score":0.5676985383033752},{"text":"I had to book in to go through your interview.","start":32.97,"end":34.89,"sentiment":"neutral","sentiment_score":0.19477091431617738},{"text":"Is now still a good time there for you?","start":34.89,"end":36.91,"sentiment":"neutral","sentiment_score":0.17703483336501652},{"text":"Fantastic.","start":39.21,"end":39.71,"sentiment":"positive","sentiment_score":0.5827831029891968}],"sentiment":"neutral","sentiment_score":0.2791943234205246,"num_words":25,"start":31.93,"end":39.71},{"sentences":[{"text":"Before we jump into the call, I just have to let you know we do record our calls for quality and training purposes.","start":40.25,"end":44.865,"sentiment":"neutral","sentiment_score":0.19510767576487167},{"text":"Are you happy for me to proceed with that?","start":44.865,"end":46.805,"sentiment":"neutral","sentiment_score":0.20050624178515541},{"text":"Fantastic.","start":48.465,"end":48.965,"sentiment":"positive","sentiment_score":0.5489899516105652},{"text":"And just a quick security check there with you as well.","start":49.105,"end":51.665,"sentiment":"neutral","sentiment_score":0.248732173984701},{"text":"I just need to confirm your full name, your date of birth, and address I should have on file.","start":51.665,"end":55.35,"sentiment":"neutral","sentiment_score":0.12571821949983897}],"sentiment":"neutral","sentiment_score":0.18993210721583592,"num_words":63,"start":40.25,"end":55.35},{"sentences":[{"text":"Yep.","start":58.469997,"end":58.969997,"sentiment":"neutral","sentiment_score":0.021873822435736656},{"text":"Yep.","start":59.75,"end":60.25,"sentiment":"neutral","sentiment_score":0.018223285675048828},{"text":"Great.","start":62.469997,"end":62.789997,"sentiment":"positive","sentiment_score":0.40649378299713135},{"text":"Thank you so much for that.","start":62.789997,"end":64.33,"sentiment":"positive","sentiment_score":0.4676414678494136},{"text":"Ryan, so we did actually send through your advice document and had tried to present that earlier in the year.","start":64.79,"end":70.145004,"sentiment":"neutral","sentiment_score":0.10998443588614464}],"sentiment":"neutral","sentiment_score":0.1880044281354238,"num_words":29,"start":58.469997,"end":70.145004},{"sentences":[{"text":"Unfortunately, it has now expired.","start":70.145004,"end":71.825005,"sentiment":"neutral","sentiment_score":-0.1392953708767891},{"text":"So we just need to do a new a new review with you and kinda go through and update all your circumstances, and then we can look to provide and update the advice for you.","start":71.825005,"end":79.825005,"sentiment":"neutral","sentiment_score":0.024100465114627566},{"text":"Okay?","start":79.825005,"end":80.325005,"sentiment":"neutral","sentiment_score":0.04058052599430084},{"text":"Excellent.","start":82.225006,"end":82.725006,"sentiment":"neutral","sentiment_score":0.3002174496650696},{"text":"All good.","start":82.865005,"end":83.64,"sentiment":"neutral","sentiment_score":0.2526879832148552}],"sentiment":"neutral","sentiment_score":0.022573031061752277,"num_words":44,"start":70.145004,"end":83.64},{"sentences":[{"text":"Before I jump into the call oh, sorry.","start":84.2,"end":85.72,"sentiment":"neutral","sentiment_score":-0.009410252794623375},{"text":"Before I go through things, I do also normally send through just a copy of your annual review documents there for you to review.","start":85.72,"end":91.24,"sentiment":"neutral","sentiment_score":0.0024772523126254478},{"text":"Are you able to access your emails at the moment?","start":91.24,"end":93.9,"sentiment":"neutral","sentiment_score":0.008188924100250006},{"text":"The there, I believe let me have a quick look for you.","start":99.915,"end":104.335,"sentiment":"neutral","sentiment_score":0.010069503216072917},{"text":"That's okay.","start":107.355,"end":108.175,"sentiment":"negative","sentiment_score":-0.37527547776699066}],"sentiment":"neutral","sentiment_score":-0.010065279335581831,"num_words":56,"start":84.2,"end":108.175},{"sentences":[{"text":"No.","start":109.675,"end":110.175,"sentiment":"neutral","sentiment_score":-0.24952036142349243},{"text":"Oh, it's okay.","start":112.395004,"end":113.19,"sentiment":"neutral","sentiment_score":0.005071519097934167},{"text":"Okay.","start":113.19,"end":113.43,"sentiment":"neutral","sentiment_score":0.07104183733463287},{"text":"I will be here to assist you.","start":113.43,"end":115.43,"sentiment":"neutral","sentiment_score":0.12164356985262462},{"text":"Don't worry.","start":115.43,"end":116.07,"sentiment":"neutral","sentiment_score":0.07639654725790024}],"sentiment":"neutral","sentiment_score":0.06007386547779398,"num_words":14,"start":109.675,"end":116.07},{"sentences":[{"text":"I am sending you the annual review docs.","start":116.07,"end":117.75,"sentiment":"neutral","sentiment_score":0.07366873510181904},{"text":"They'll appear in your email there as well shortly.","start":117.75,"end":120.57,"sentiment":"neutral","sentiment_score":0.09703386078278224},{"text":"I'll just go in and have a quick look at the recently sent documents for you.","start":121.19,"end":126.01,"sentiment":"neutral","sentiment_score":0.08138796058483422},{"text":"So all here we go.","start":127.585,"end":131.605,"sentiment":"neutral","sentiment_score":0.03749954998493195},{"text":"Yeah.","start":136.705,"end":137.105,"sentiment":"neutral","sentiment_score":-0.013424379751086237}],"sentiment":"neutral","sentiment_score":0.07535731711257727,"num_words":39,"start":116.07,"end":137.105},{"sentences":[{"text":"So the last document sent was on the April 21, and that one has expired.","start":137.105,"end":143.51001,"sentiment":"neutral","sentiment_score":-0.12935863907138506},{"text":"That one wasn't unfortunately signed.","start":143.57,"end":145.67,"sentiment":"negative","sentiment_score":-0.3447682857513428},{"text":"Yeah.","start":148.21,"end":148.61,"sentiment":"neutral","sentiment_score":-0.057533495128154755},{"text":"That's okay.","start":148.61,"end":149.35,"sentiment":"neutral","sentiment_score":-0.07908886857330799},{"text":"That's okay.","start":150.45001,"end":151.09001,"sentiment":"positive","sentiment_score":0.3645269274711609}],"sentiment":"neutral","sentiment_score":-0.12603513568639754,"num_words":25,"start":137.105,"end":151.09001},{"sentences":[{"text":"It's all good.","start":151.09001,"end":151.81,"sentiment":"positive","sentiment_score":0.6439823309580485},{"text":"Let's go through.","start":151.81,"end":152.335,"sentiment":"positive","sentiment_score":0.444965660572052},{"text":"We'll do a review of the circumstances, have a look at things now, and I'll go back and I'll update the advice.","start":152.335,"end":157.155,"sentiment":"neutral","sentiment_score":0.2506323395804925},{"text":"I can see we've got your third party authority all updated there as well.","start":157.295,"end":161.13501,"sentiment":"neutral","sentiment_score":0.2951430635792868},{"text":"So we'll be able to do updated research for you on, I believe, your Cbus account as well.","start":161.13501,"end":166.27501,"sentiment":"positive","sentiment_score":0.34448083986838657}],"sentiment":"neutral","sentiment_score":0.3185568908850352,"num_words":60,"start":151.09001,"end":166.27501},{"sentences":[{"text":"So we'll go back and do some research, and I'll book you back in in a couple of weeks.","start":166.84999,"end":170.60999,"sentiment":"neutral","sentiment_score":0.32174347105779144},{"text":"We'll come back together and go through that advice document at a time that suits you.","start":170.60999,"end":174.53,"sentiment":"neutral","sentiment_score":0.31289467867463827},{"text":"Okay?","start":174.53,"end":175.03,"sentiment":"neutral","sentiment_score":0.16665735840797424},{"text":"All good.","start":177.25,"end":177.98999,"sentiment":"positive","sentiment_score":0.6284559667110443},{"text":"Perfect.","start":178.04999,"end":178.54999,"sentiment":"positive","sentiment_score":0.6814447641372681}],"sentiment":"positive","sentiment_score":0.3390885862784508,"num_words":39,"start":166.84999,"end":178.54999},{"sentences":[{"text":"The first on that email, can you see the email that I've just recently sent through to you there at all?","start":179.17,"end":184.265,"sentiment":"neutral","sentiment_score":0.10789572465277854},{"text":"Yep.","start":186.325,"end":186.825,"sentiment":"neutral","sentiment_score":-0.13402140140533447},{"text":"I will in a second.","start":187.765,"end":189.065,"sentiment":"neutral","sentiment_score":-0.021283312141895293},{"text":"If you can just before you press the sign button, if you scroll down slightly, you'll see some attachments on there.","start":189.36499,"end":194.73001,"sentiment":"neutral","sentiment_score":0.010561466970968814},{"text":"Can you see the attachments?","start":194.73001,"end":195.93001,"sentiment":"neutral","sentiment_score":0.017654554173350333}],"sentiment":"neutral","sentiment_score":0.04406482703491764,"num_words":53,"start":179.17,"end":195.93001},{"sentences":[{"text":"One of those will say summary of superannuation and insurances.","start":195.93001,"end":198.99,"sentiment":"neutral","sentiment_score":0.01755556259304285},{"text":"Yep.","start":201.61,"end":202.11,"sentiment":"neutral","sentiment_score":0.2155546993017197},{"text":"Beautiful.","start":202.33,"end":202.83,"sentiment":"positive","sentiment_score":0.5812687873840332},{"text":"That one there, when it opens up for you, just gives you an update of your balances between the three different funds that you do hold at the moment.","start":204.17,"end":211.17499,"sentiment":"neutral","sentiment_score":0.30154908371382744},{"text":"Yep.","start":215.39499,"end":215.89499,"sentiment":"neutral","sentiment_score":0.05961793661117554}],"sentiment":"neutral","sentiment_score":0.2327838208792465,"num_words":42,"start":195.93001,"end":215.89499},{"sentences":[{"text":"So hub twenty four, you've got a balance there.","start":217.075,"end":219.315,"sentiment":"neutral","sentiment_score":0.07537985924217436},{"text":"Sorry.","start":219.315,"end":219.715,"sentiment":"neutral","sentiment_score":-0.10734592378139496},{"text":"You are can you see that if you can't tell me to stop?","start":219.715,"end":222.69499,"sentiment":"neutral","sentiment_score":-0.17038805725482795},{"text":"You got it there.","start":225.74,"end":226.8,"sentiment":"neutral","sentiment_score":0.014820030657574534},{"text":"186, yeah, 9 68, and then bus queue's got about 30,000.","start":227.74,"end":232.78,"sentiment":"neutral","sentiment_score":-0.00212737401439385}],"sentiment":"neutral","sentiment_score":-0.04231823490638482,"num_words":38,"start":217.075,"end":232.78},{"sentences":[{"text":"Their c bus has twenty seven thousand five ninety two.","start":232.78,"end":235.92,"sentiment":"neutral","sentiment_score":0.0037792569026350977},{"text":"So what we wanna be able to do and what we have been sort of wanting to try and help you to do is to consolidate as many of these as possible.","start":236.175,"end":241.935,"sentiment":"neutral","sentiment_score":0.2580488247331232},{"text":"So at the moment, you do have three super funds.","start":241.935,"end":244.095,"sentiment":"neutral","sentiment_score":0.17938604801893235},{"text":"It is more administration fees, but you also only have contributions going into one of those funds currently.","start":244.095,"end":249.715,"sentiment":"neutral","sentiment_score":0.08210976028607951},{"text":"So being able to maybe consolidate things back a little bit for you, streamline it, make it a bit easier, save you some fees, and make sure your money is growing as hard and working as hard as possible for you is the preference there.","start":250.02,"end":261.0,"sentiment":"positive","sentiment_score":0.38963289658228556}],"sentiment":"neutral","sentiment_score":0.25304931714806866,"num_words":115,"start":232.78,"end":261.0},{"sentences":[{"text":"Yeah.","start":262.58,"end":262.905,"sentiment":"neutral","sentiment_score":0.1962294727563858},{"text":"Mhmm.","start":271.945,"end":272.445,"sentiment":"neutral","sentiment_score":0.028409896418452263},{"text":"Yeah.","start":275.54498,"end":275.94,"sentiment":"neutral","sentiment_score":0.026471927762031555},{"text":"Yeah.","start":284.26,"end":284.76,"sentiment":"neutral","sentiment_score":0.11996489763259888},{"text":"Yeah.","start":284.82,"end":285.32,"sentiment":"neutral","sentiment_score":0.000622972846031189}],"sentiment":"neutral","sentiment_score":0.07433983348309994,"num_words":5,"start":262.58,"end":285.32},{"sentences":[{"text":"Yeah.","start":289.14,"end":289.64,"sentiment":"neutral","sentiment_score":-0.04425107315182686},{"text":"Yeah.","start":297.755,"end":298.255,"sentiment":"neutral","sentiment_score":-0.003134915605187416},{"text":"Absolutely.","start":299.115,"end":299.615,"sentiment":"neutral","sentiment_score":0.19236403703689575},{"text":"Yeah.","start":301.115,"end":301.515,"sentiment":"neutral","sentiment_score":0.10238049924373628},{"text":"So we have been trying to work out what to do.","start":301.515,"end":303.755,"sentiment":"neutral","sentiment_score":0.07495459846474907}],"sentiment":"neutral","sentiment_score":0.07145727537572384,"num_words":15,"start":289.14,"end":303.755},{"sentences":[{"text":"The if you are looking to keep all three of those open, we would need to look at finding a way to be able to contribute into all three of them for you with the I'm just sort of having a look because with the insurances we do have at the moment, the are we?","start":303.755,"end":319.82498,"sentiment":"neutral","sentiment_score":0.11289263001897118},{"text":"The c bus has the life in TBD giving you life of, at the moment, about 208,000 and a 124 of TBD.","start":319.82498,"end":328.56497,"sentiment":"neutral","sentiment_score":0.0790798423642462},{"text":"Your bus queue gives you, has a level cover of 200,000 of life and about 60,000 of TBD.","start":329.26498,"end":335.3,"sentiment":"neutral","sentiment_score":0.13502083429031903},{"text":"But when we sort of break down the the rest of it, the bus queue also offers, like, TTD, which is sort of a temporary disablement, whereas C Bus doesn't really have any kind of income protection side of things there.","start":336.16,"end":350.26498,"sentiment":"neutral","sentiment_score":-0.031847470508116045},{"text":"So I think moving forward, just kind of reevaluating what it is that you actually wanna have with insurances, what you wanna have covered, and what your goals are will probably help us to decide which ones we do consolidate or whether we do keep all three open and whether we just look to make additional contributions out of your cash flow into one of those to kind of keep it working.","start":350.26498,"end":370.62,"sentiment":"neutral","sentiment_score":0.21013377358516058}],"sentiment":"neutral","sentiment_score":0.11636111349798739,"num_words":208,"start":303.755,"end":370.62},{"sentences":[{"text":"Because the other thing is in order to have those refunds open, we need to make sure as well.","start":370.62,"end":376.385,"sentiment":"neutral","sentiment_score":0.27833464663279683},{"text":"That way, you can keep them open, keep them working, they can keep paying the insurance premiums.","start":376.515,"end":381.515,"sentiment":"positive","sentiment_score":0.4101633149034837},{"text":"One of the risks you do have is that if you stop paying contributions to one of the funds, most of them will continue to draw the insurance premiums for a period of time.","start":382.375,"end":392.6,"sentiment":"negative","sentiment_score":-0.464740114615244},{"text":"But once the fund ends up with not enough money in there, then the insurances do cancel after a period of time as well.","start":393.14,"end":398.82,"sentiment":"negative","sentiment_score":-0.5128723457455635},{"text":"So we just wanna make sure that if you're wanting to keep all that cover there, that we do make sure that the cover is appropriate to you and that you are able to keep it working harder.","start":398.82,"end":408.285,"sentiment":"neutral","sentiment_score":0.026219818348947325}],"sentiment":"neutral","sentiment_score":-0.11251979134976864,"num_words":132,"start":370.62,"end":408.285},{"sentences":[{"text":"Does that make sense?","start":408.285,"end":409.345,"sentiment":"neutral","sentiment_score":0.028132064267992973},{"text":"If it doesn't, let me know.","start":409.405,"end":410.86502,"sentiment":"neutral","sentiment_score":-0.08642968659599622},{"text":"Yeah.","start":411.725,"end":412.225,"sentiment":"neutral","sentiment_score":-0.01887418143451214},{"text":"So if I look at the the kind of cover you're after with life and TCD, let's look at life first.","start":412.525,"end":418.68,"sentiment":"neutral","sentiment_score":-0.04299488264535155},{"text":"So life is essentially in the event that you were to pass away.","start":418.68,"end":422.13998,"sentiment":"neutral","sentiment_score":-0.101015693293168}],"sentiment":"neutral","sentiment_score":-0.05868934649560187,"num_words":45,"start":408.285,"end":422.13998},{"sentences":[{"text":"Your life cover currently with us here is sitting at 200,000.","start":422.75998,"end":426.86,"sentiment":"neutral","sentiment_score":-0.019083958119153976},{"text":"With c buses, 208.","start":426.91998,"end":428.91998,"sentiment":"neutral","sentiment_score":-0.008367409813217819},{"text":"That is based on the research from the twenty third of covered limit you have there and also the balance, which could be different to what we have noted here.","start":428.91998,"end":440.645,"sentiment":"neutral","sentiment_score":-0.043526543552676836},{"text":"If you were to say pass away based on this information, you've got the 208,000 of life with Cbus, 200,000 of life with BusQ, and then your super balance is paid out on top of that to your beneficiaries.","start":441.425,"end":456.67,"sentiment":"neutral","sentiment_score":-0.03985375420859036},{"text":"So we've got a $106.09 $6.08 in hub 24, 30,099 in bus queue, and approximately $27,005.09 2 sitting in c bus based on the research.","start":457.37,"end":471.775,"sentiment":"neutral","sentiment_score":0.04589959368109703}],"sentiment":"neutral","sentiment_score":-0.017944917956435488,"num_words":109,"start":422.75998,"end":471.775},{"sentences":[{"text":"That essentially pays out a lump sum benefit to your beneficiary of, at the moment, 652,000.","start":472.47,"end":479.53,"sentiment":"neutral","sentiment_score":0.11466429568827152},{"text":"I'll go back and reconfirm the c bus side of things.","start":479.91,"end":482.55002,"sentiment":"neutral","sentiment_score":0.07240126773037693},{"text":"But if you think about if you were to pass away today and that 652,000 was paid out, where do you want it to be paid to, and what do you want that to cover?","start":482.55002,"end":491.885,"sentiment":"neutral","sentiment_score":-0.10079158203942436},{"text":"Yeah.","start":496.025,"end":496.345,"sentiment":"neutral","sentiment_score":0.041548870503902435},{"text":"It's Angela?","start":496.345,"end":497.165,"sentiment":"neutral","sentiment_score":0.04433529078960419}],"sentiment":"neutral","sentiment_score":-0.01179143451154232,"num_words":65,"start":472.47,"end":497.165},{"sentences":[{"text":"Yep.","start":499.385,"end":499.56,"sentiment":"neutral","sentiment_score":0.036730363965034485},{"text":"Yeah.","start":505.32,"end":505.82,"sentiment":"neutral","sentiment_score":0.023230265825986866},{"text":"Okay.","start":508.52,"end":509.02,"sentiment":"neutral","sentiment_score":0.031181713566184044},{"text":"Yep.","start":513.88,"end":514.38,"sentiment":"neutral","sentiment_score":0.25609880685806274},{"text":"Excellent.","start":514.975,"end":515.055,"sentiment":"positive","sentiment_score":0.6036760807037354}],"sentiment":"neutral","sentiment_score":0.1901834461838007,"num_words":5,"start":499.385,"end":515.055},{"sentences":[{"text":"So a 100% to Angela.","start":515.055,"end":516.655,"sentiment":"positive","sentiment_score":0.5105548620223999},{"text":"Excellent.","start":516.655,"end":517.155,"sentiment":"positive","sentiment_score":0.5436090230941772},{"text":"Now are you does she work?","start":518.015,"end":519.935,"sentiment":"neutral","sentiment_score":0.11237224688132604},{"text":"What if you were to pass away, would she need to would you be comfortable with that amount kinda covering debts and things like that?","start":519.935,"end":526.895,"sentiment":"neutral","sentiment_score":-0.06378836438059807},{"text":"What kind of bills or debts would she have to cover up front if you were to pass away?","start":526.895,"end":531.64,"sentiment":"neutral","sentiment_score":-0.12717481173182787}],"sentiment":"neutral","sentiment_score":-0.004293102105813367,"num_words":56,"start":515.055,"end":531.64},{"sentences":[{"text":"Yep.","start":535.86,"end":536.36,"sentiment":"neutral","sentiment_score":0.003856385825201869},{"text":"Yep.","start":539.38,"end":539.88,"sentiment":"neutral","sentiment_score":-0.045268766582012177},{"text":"Yep.","start":543.22,"end":543.615,"sentiment":"neutral","sentiment_score":0.03478875756263733},{"text":"Okay.","start":550.815,"end":551.315,"sentiment":"neutral","sentiment_score":0.035587817430496216},{"text":"Oh, wait.","start":552.975,"end":553.535,"sentiment":"neutral","sentiment_score":0.03676393907517195}],"sentiment":"neutral","sentiment_score":0.017082012064444523,"num_words":6,"start":535.86,"end":553.535},{"sentences":[{"text":"Lovely.","start":553.535,"end":554.015,"sentiment":"neutral","sentiment_score":0.173752561211586},{"text":"And do you think and this is a pretty tough question.","start":554.015,"end":556.26,"sentiment":"neutral","sentiment_score":-0.041106036440892654},{"text":"I get that.","start":556.26,"end":556.74,"sentiment":"neutral","sentiment_score":-0.10429678360621135},{"text":"But do you think if you would have passed away, do you think she would wanna maybe keep working part time earning that same money, or do you think you'd rather have enough that she could take some time off and, you know, just raise the kids and think about, you know, what she wants to do moving forward.","start":556.74,"end":575.055,"sentiment":"neutral","sentiment_score":-0.08237681929337776},{"text":"A couple of years old?","start":575.055,"end":576.355,"sentiment":"neutral","sentiment_score":-0.06895976513624191}],"sentiment":"neutral","sentiment_score":-0.07337133360059955,"num_words":79,"start":553.535,"end":576.355},{"sentences":[{"text":"Yeah.","start":576.89496,"end":577.39496,"sentiment":"neutral","sentiment_score":-0.05348430573940277},{"text":"Yeah.","start":580.89496,"end":581.39496,"sentiment":"neutral","sentiment_score":-0.004119129851460457},{"text":"Okay.","start":582.975,"end":583.475,"sentiment":"neutral","sentiment_score":0.06812652945518494},{"text":"Absolutely.","start":584.815,"end":585.315,"sentiment":"neutral","sentiment_score":0.2944040298461914},{"text":"Absolutely.","start":585.935,"end":586.435,"sentiment":"neutral","sentiment_score":0.23166975378990173}],"sentiment":"neutral","sentiment_score":0.10731937550008297,"num_words":5,"start":576.89496,"end":586.435},{"sentences":[{"text":"And when you think about the amount of the 652,000, the income I had for you last year was about a 140,000.","start":587.37,"end":594.99,"sentiment":"neutral","sentiment_score":0.06248490740968422},{"text":"Is that still the same income, or have you got a pay increase on that one at all?","start":595.45,"end":612.265,"sentiment":"neutral","sentiment_score":-0.04298816848960188},{"text":"Yeah.","start":612.265,"end":612.765,"sentiment":"neutral","sentiment_score":0.04830251634120941},{"text":"Yep.","start":613.465,"end":613.86505,"sentiment":"neutral","sentiment_score":0.07979997247457504},{"text":"That's okay.","start":613.86505,"end":614.46,"sentiment":"neutral","sentiment_score":0.19247450679540634}],"sentiment":"neutral","sentiment_score":0.02531664619560946,"num_words":44,"start":587.37,"end":614.46},{"sentences":[{"text":"That's absolutely fine.","start":616.30005,"end":617.34,"sentiment":"positive","sentiment_score":0.5297461946805319},{"text":"If you think about the life cover and the current benefit amount of $606,152,006 59, and if you divide that by a 150,000, it essentially, with no debts, would cover your gross income for your family for about 4.3.","start":617.34,"end":634.635,"sentiment":"neutral","sentiment_score":0.13680730540400896},{"text":"So just over four years.","start":634.635,"end":635.995,"sentiment":"neutral","sentiment_score":0.09107270538806915},{"text":"Do you think that is sufficient, or would you like me to go and see if I can do something with the cover and maybe look to consolidate or get you some more life cover?","start":635.995,"end":644.34,"sentiment":"neutral","sentiment_score":0.06282226549727576},{"text":"How do you feel about that?","start":644.34,"end":645.54004,"sentiment":"neutral","sentiment_score":-0.010086273774504662}],"sentiment":"neutral","sentiment_score":0.10816305308518084,"num_words":88,"start":616.30005,"end":645.54004},{"sentences":[{"text":"What would you like me to be able to do for this for you?","start":645.54004,"end":648.12,"sentiment":"neutral","sentiment_score":0.04282967320510319},{"text":"Yeah?","start":652.66003,"end":653.16003,"sentiment":"neutral","sentiment_score":0.09042062610387802},{"text":"Yeah.","start":662.835,"end":663.23505,"sentiment":"neutral","sentiment_score":-0.006339952349662781},{"text":"Yeah.","start":663.23505,"end":663.55505,"sentiment":"neutral","sentiment_score":0.0018642935901880264},{"text":"That's okay.","start":663.55505,"end":664.435,"sentiment":"neutral","sentiment_score":0.05868345499038696}],"sentiment":"neutral","sentiment_score":0.042259331694559046,"num_words":19,"start":645.54004,"end":664.435},{"sentences":[{"text":"Is there four years?","start":664.435,"end":665.49506,"sentiment":"neutral","sentiment_score":-0.004630172625184059},{"text":"It's time for her to work it out.","start":665.55505,"end":666.99506,"sentiment":"neutral","sentiment_score":-0.013562595006078482},{"text":"Lovely.","start":666.99506,"end":667.47,"sentiment":"neutral","sentiment_score":0.24466270208358765},{"text":"And how old are your kids?","start":667.55,"end":669.08997,"sentiment":"neutral","sentiment_score":0.0451056690265735},{"text":"I've got you've got two children.","start":669.23,"end":670.68994,"sentiment":"neutral","sentiment_score":0.005527249226967494}],"sentiment":"neutral","sentiment_score":0.01685755044221878,"num_words":25,"start":664.435,"end":670.68994},{"sentences":[{"text":"Yep.","start":677.31,"end":677.81,"sentiment":"neutral","sentiment_score":0.012173475697636604},{"text":"Okay.","start":679.70996,"end":680.085,"sentiment":"neutral","sentiment_score":0.20414745807647705},{"text":"Beautiful.","start":680.565,"end":681.065,"sentiment":"positive","sentiment_score":0.47434312105178833},{"text":"Lovely.","start":681.685,"end":682.16504,"sentiment":"positive","sentiment_score":0.434715211391449},{"text":"Alright.","start":682.16504,"end":682.48505,"sentiment":"neutral","sentiment_score":0.2529061436653137}],"sentiment":"neutral","sentiment_score":0.27565708197653294,"num_words":5,"start":677.31,"end":682.48505},{"sentences":[{"text":"So we're looking to make sure that we're covering about four or just over four years of income as you guys have no debts, and that would feel fairly sufficient for you for a life benefit between your super as well as the the life cover that you're insured for.","start":682.48505,"end":698.12,"sentiment":"neutral","sentiment_score":0.18830136209726334},{"text":"Does that sound accurate?","start":698.12,"end":699.24005,"sentiment":"neutral","sentiment_score":0.13872681558132172},{"text":"Am I on the right track with that?","start":699.24005,"end":700.78,"sentiment":"neutral","sentiment_score":0.08760630432516336},{"text":"Yep.","start":704.76,"end":705.26,"sentiment":"neutral","sentiment_score":0.06126854568719864},{"text":"Oh, absolutely.","start":714.935,"end":716.39496,"sentiment":"neutral","sentiment_score":0.1487271562218666}],"sentiment":"neutral","sentiment_score":0.16968536399877987,"num_words":65,"start":682.48505,"end":716.39496},{"sentences":[{"text":"That's absolutely fine.","start":719.65497,"end":720.68994,"sentiment":"positive","sentiment_score":0.6416759292284647},{"text":"And do you plan on buying that property within the next sort of twelve months, or is that more of a medium term goal down the track?","start":720.68994,"end":726.47,"sentiment":"neutral","sentiment_score":0.08231512670991598},{"text":"Yes.","start":734.075,"end":734.575,"sentiment":"neutral","sentiment_score":0.03130333870649338},{"text":"Yep.","start":742.395,"end":742.895,"sentiment":"neutral","sentiment_score":0.0908060073852539},{"text":"Beautiful.","start":743.03503,"end":743.53503,"sentiment":"positive","sentiment_score":0.3709886074066162}],"sentiment":"neutral","sentiment_score":0.14062527764701482,"num_words":33,"start":719.65497,"end":743.53503},{"sentences":[{"text":"So that's two years away.","start":743.91504,"end":745.11505,"sentiment":"neutral","sentiment_score":0.04111296162009239},{"text":"And I definitely do agree with you.","start":745.11505,"end":746.715,"sentiment":"positive","sentiment_score":0.3553542196750641},{"text":"When you do happen to buy that property, let me know.","start":746.715,"end":749.45,"sentiment":"neutral","sentiment_score":0.1685241244056008},{"text":"I would absolutely be wanting to reevaluate your goals, your advice, and definitely your insurance aspects and things like that then as well.","start":749.75,"end":757.75,"sentiment":"neutral","sentiment_score":0.20244860454745914},{"text":"Okay?","start":757.75,"end":758.25,"sentiment":"neutral","sentiment_score":0.1007159948348999}],"sentiment":"neutral","sentiment_score":0.19795411944072297,"num_words":47,"start":743.91504,"end":758.25},{"sentences":[{"text":"Excellent.","start":759.11,"end":759.61,"sentiment":"positive","sentiment_score":0.5344724655151367},{"text":"The other thing you have is TPD.","start":760.39,"end":762.08997,"sentiment":"neutral","sentiment_score":0.16089564029659545},{"text":"So TPD pays out a lump sum benefit or an income stream in the event that you're unable to go back to work again.","start":762.31,"end":768.525,"sentiment":"neutral","sentiment_score":0.10836748530467351},{"text":"So totally permanently capacitated.","start":768.525,"end":770.385,"sentiment":"neutral","sentiment_score":0.13763253018260002},{"text":"You can also claim on your super benefit at the same time.","start":771.965,"end":776.125,"sentiment":"neutral","sentiment_score":0.17186054835716882}],"sentiment":"neutral","sentiment_score":0.14321704783166447,"num_words":48,"start":759.11,"end":776.125},{"sentences":[{"text":"So you we can get basically, you're covered for the same amount between.","start":776.125,"end":779.85,"sentiment":"neutral","sentiment_score":0.11052442513979398},{"text":"Well, actually, no.","start":779.93,"end":780.64996,"sentiment":"neutral","sentiment_score":-0.04331787799795469},{"text":"Sorry.","start":780.64996,"end":780.97,"sentiment":"neutral","sentiment_score":-0.1729106605052948},{"text":"Your TBD is lower in your industry funds.","start":780.97,"end":784.64996,"sentiment":"neutral","sentiment_score":-0.21602239459753036},{"text":"So you currently have between the two funds, 60,000 and 124,000 of TBD.","start":784.64996,"end":791.55,"sentiment":"neutral","sentiment_score":-0.11187675767219983}],"sentiment":"neutral","sentiment_score":-0.053911151952649415,"num_words":38,"start":776.125,"end":791.55},{"sentences":[{"text":"And then if we were to have your super benefit released, which is possible, 968 plus 399 plus 2700592, it essentially means that under the total permanent incapacity, your the level of cover you have for TBD between the insurances and your super balance is $428,006.59.","start":792.32996,"end":815.35,"sentiment":"neutral","sentiment_score":-0.08869049609031367},{"text":"Now TBD, as I mentioned, is total incapacity.","start":815.97,"end":818.38995,"sentiment":"neutral","sentiment_score":-0.18498940765857697},{"text":"So, essentially, you're claiming that if you can never go back to work again.","start":818.61,"end":822.23,"sentiment":"neutral","sentiment_score":-0.24977511380399978},{"text":"I know one of the things over the last couple of years, it has been hard to sort of look at TBD or getting new cover for TBD because of your occupation.","start":822.455,"end":829.435,"sentiment":"neutral","sentiment_score":-0.21055888524278998},{"text":"Unfortunately, being a rigor, very high risk of injury or claiming your disability.","start":830.295,"end":835.915,"sentiment":"neutral","sentiment_score":-0.22473430289671972}],"sentiment":"neutral","sentiment_score":-0.16562796407173166,"num_words":113,"start":792.32996,"end":835.915},{"sentences":[{"text":"But has there been any changes to your occupation?","start":836.855,"end":839.32996,"sentiment":"neutral","sentiment_score":-0.0792357971270879},{"text":"Are you still in the same occupation?","start":839.55,"end":841.32996,"sentiment":"neutral","sentiment_score":-0.05462932586669922},{"text":"Are you doing more admin work?","start":841.38995,"end":842.82996,"sentiment":"neutral","sentiment_score":-0.06040481726328532},{"text":"What does your job look like at the moment?","start":842.82996,"end":844.69,"sentiment":"neutral","sentiment_score":-0.06803781953122881},{"text":"Exactly the same.","start":847.31,"end":848.35,"sentiment":"neutral","sentiment_score":0.24957770109176636}],"sentiment":"neutral","sentiment_score":-0.03886951856753405,"num_words":34,"start":836.855,"end":848.35},{"sentences":[{"text":"Yep.","start":848.35,"end":848.85,"sentiment":"neutral","sentiment_score":0.09508061408996582},{"text":"Okay.","start":854.775,"end":855.255,"sentiment":"neutral","sentiment_score":-0.08893239498138428},{"text":"Yep.","start":855.255,"end":855.755,"sentiment":"neutral","sentiment_score":0.017174556851387024},{"text":"Yep.","start":859.495,"end":859.995,"sentiment":"neutral","sentiment_score":0.06059950217604637},{"text":"Beautiful.","start":860.215,"end":860.715,"sentiment":"positive","sentiment_score":0.5859135985374451}],"sentiment":"neutral","sentiment_score":0.133967175334692,"num_words":5,"start":848.35,"end":860.715},{"sentences":[{"text":"Yep.","start":861.41504,"end":861.735,"sentiment":"neutral","sentiment_score":0.2948589324951172},{"text":"Beautiful.","start":861.735,"end":862.235,"sentiment":"positive","sentiment_score":0.5300784111022949},{"text":"And can I ask, I'm so sorry?","start":862.375,"end":863.735,"sentiment":"neutral","sentiment_score":-0.010180925418223654},{"text":"I'm a novice, and I work in finance.","start":863.735,"end":865.5,"sentiment":"neutral","sentiment_score":-0.07838951889425516},{"text":"So I don't exactly understand what it is that you do, but what does a rigger do?","start":865.66,"end":869.42,"sentiment":"neutral","sentiment_score":-0.053799188312362224}],"sentiment":"neutral","sentiment_score":-0.023177396670422134,"num_words":34,"start":861.41504,"end":869.42},{"sentences":[{"text":"What is your day to day role or tasks look like?","start":869.42,"end":872.32,"sentiment":"neutral","sentiment_score":-0.01506527682596987},{"text":"Yeah.","start":877.9,"end":878.4,"sentiment":"neutral","sentiment_score":0.026169531047344208},{"text":"Yep.","start":881.625,"end":882.125,"sentiment":"neutral","sentiment_score":0.020400987938046455},{"text":"Yep.","start":882.34503,"end":882.84503,"sentiment":"neutral","sentiment_score":0.005329224281013012},{"text":"Yep.","start":883.705,"end":884.205,"sentiment":"neutral","sentiment_score":0.014626538380980492}],"sentiment":"neutral","sentiment_score":-0.00661278422921896,"num_words":15,"start":869.42,"end":884.205},{"sentences":[{"text":"Right.","start":888.34503,"end":888.84503,"sentiment":"neutral","sentiment_score":0.04436170309782028},{"text":"Right.","start":889.78503,"end":890.28503,"sentiment":"neutral","sentiment_score":0.03281925618648529},{"text":"And you're at the top of the of the crane.","start":890.585,"end":893.91,"sentiment":"neutral","sentiment_score":0.009907879028469324},{"text":"Is that right?","start":893.91,"end":894.47,"sentiment":"neutral","sentiment_score":0.01161954551935196},{"text":"Or are you at the top of the building?","start":894.47,"end":896.25,"sentiment":"neutral","sentiment_score":-0.012638901877734397}],"sentiment":"neutral","sentiment_score":0.0040570112178102136,"num_words":24,"start":888.34503,"end":896.25},{"sentences":[{"text":"Okay.","start":906.31,"end":906.81,"sentiment":"neutral","sentiment_score":0.002082137390971184},{"text":"Yep.","start":911.975,"end":912.475,"sentiment":"neutral","sentiment_score":0.040215760469436646},{"text":"Absolutely.","start":925.27,"end":925.77,"sentiment":"neutral","sentiment_score":0.13743087649345398},{"text":"Okay.","start":927.19,"end":927.69,"sentiment":"neutral","sentiment_score":0.0372435599565506},{"text":"And are you basically on the ground when you're doing your role?","start":928.31,"end":932.385,"sentiment":"neutral","sentiment_score":0.005157575632135074}],"sentiment":"neutral","sentiment_score":0.01742895261850208,"num_words":16,"start":906.31,"end":932.385},{"sentences":[{"text":"You're not sort of up high at all?","start":932.385,"end":934.565,"sentiment":"neutral","sentiment_score":-0.08620899263769388},{"text":"Yep.","start":937.905,"end":938.405,"sentiment":"neutral","sentiment_score":0.021699730306863785},{"text":"You're on the building?","start":940.865,"end":942.005,"sentiment":"neutral","sentiment_score":0.003343955300806556},{"text":"Yep.","start":943.265,"end":943.765,"sentiment":"neutral","sentiment_score":0.004077827092260122},{"text":"Yep.","start":945.585,"end":945.81,"sentiment":"neutral","sentiment_score":-0.03786318004131317}],"sentiment":"neutral","sentiment_score":-0.04589211616936761,"num_words":15,"start":932.385,"end":945.81},{"sentences":[{"text":"Okay.","start":959.01,"end":959.51,"sentiment":"neutral","sentiment_score":0.09050044417381288},{"text":"Yep.","start":959.81,"end":960.31,"sentiment":"neutral","sentiment_score":0.14850929379463196},{"text":"Perfect.","start":960.45,"end":960.95,"sentiment":"positive","sentiment_score":0.5718117952346802},{"text":"Perfect.","start":961.21497,"end":961.69495,"sentiment":"positive","sentiment_score":0.6624311208724976},{"text":"I have a much better understanding of that.","start":961.69495,"end":963.45496,"sentiment":"positive","sentiment_score":0.5418694950640202}],"sentiment":"positive","sentiment_score":0.48401738454898197,"num_words":12,"start":959.01,"end":963.45496},{"sentences":[{"text":"Thank you so much.","start":963.45496,"end":964.175,"sentiment":"positive","sentiment_score":0.7141992747783661},{"text":"I do apologize.","start":964.175,"end":965.07495,"sentiment":"neutral","sentiment_score":0.0713572974006335},{"text":"I definitely in this role, you get to learn a lot about what people do.","start":965.21497,"end":969.535,"sentiment":"neutral","sentiment_score":0.10781296888987223},{"text":"But, I mean, in construction, especially, you have so many different components and parts and people that do all these different roles.","start":969.535,"end":976.595,"sentiment":"neutral","sentiment_score":0.023339185694401913},{"text":"I just always have to make sure I understand a little bit more about it.","start":977.22,"end":980.68,"sentiment":"neutral","sentiment_score":0.0017986677587032319}],"sentiment":"neutral","sentiment_score":0.08861873942916676,"num_words":59,"start":963.45496,"end":980.68},{"sentences":[{"text":"Look.","start":981.62,"end":981.86,"sentiment":"neutral","sentiment_score":0.0795566514134407},{"text":"What I would what I would probably like to do yeah.","start":981.86,"end":989.45996,"sentiment":"neutral","sentiment_score":0.18061672828414224},{"text":"No.","start":989.45996,"end":989.7,"sentiment":"neutral","sentiment_score":0.01518314704298973},{"text":"That's that's absolutely fine.","start":989.7,"end":991.72,"sentiment":"neutral","sentiment_score":0.21040180325508118},{"text":"In the event of, say, permanent capacity, so if you were never able to go back to work again because of, you know, something happening in your role, do you think that 420,000, if I sort of the 428,000, if I divide that by your current gross income, it essentially gives you a little over two years.","start":992.415,"end":1010.69995,"sentiment":"neutral","sentiment_score":-0.04318505862172235}],"sentiment":"neutral","sentiment_score":0.006237603799515479,"num_words":74,"start":981.62,"end":1010.69995},{"sentences":[{"text":"It's under three years, so two years and eight months worth of gross income noting that, obviously, tax is there.","start":1010.69995,"end":1017.955,"sentiment":"neutral","sentiment_score":-0.01632427666336298},{"text":"So you could probably reduce that back a little bit and get about three years worth of income out of that.","start":1017.955,"end":1023.015,"sentiment":"neutral","sentiment_score":-0.006526411289260501},{"text":"But that would use up all of your insurances plus your super.","start":1023.235,"end":1026.595,"sentiment":"neutral","sentiment_score":0.002047422342002392},{"text":"And one of the most important things to consider is that when you claim on TBD, when you're under the age of 60, unfortunately, and I wholeheartedly disagree with this, but the government actually taxes you.","start":1026.595,"end":1037.48,"sentiment":"neutral","sentiment_score":-0.035300360112968415},{"text":"The tax can be up to 22%.","start":1037.78,"end":1040.2001,"sentiment":"neutral","sentiment_score":-0.034770690270566514}],"sentiment":"neutral","sentiment_score":-0.020345613522901356,"num_words":96,"start":1010.69995,"end":1040.2001},{"sentences":[{"text":"It depends on your age and stage and a few other factors that the tax can be lessened.","start":1040.9,"end":1045.16,"sentiment":"neutral","sentiment_score":0.008516880580120616},{"text":"And we as advisers, if you claim on TPD, we'll help you with the claim, but then we will also provide advice on how to structure things to help limit that.","start":1045.22,"end":1053.295,"sentiment":"neutral","sentiment_score":0.10382944357491308},{"text":"But do you feel like that level of TBD you have is sufficient, or would you wanna maybe look at trying to get something else?","start":1053.755,"end":1060.53,"sentiment":"neutral","sentiment_score":-0.04395999900996685},{"text":"And I'm happy to go back and do all the research I can on what I can get CBD wise to assist you.","start":1060.53,"end":1066.2101,"sentiment":"positive","sentiment_score":0.5930694276871888},{"text":"But did you want me to maybe look at some other cover and see what else I can come up with?","start":1066.2101,"end":1070.4701,"sentiment":"neutral","sentiment_score":0.06815665978051368}],"sentiment":"neutral","sentiment_score":0.1469907060865376,"num_words":118,"start":1040.9,"end":1070.4701},{"sentences":[{"text":"More?","start":1074.8501,"end":1075.275,"sentiment":"neutral","sentiment_score":-0.04167746752500534},{"text":"Yep.","start":1076.9551,"end":1077.355,"sentiment":"neutral","sentiment_score":0.05748419091105461},{"text":"How many years of income replacement would you feel comfortable with do you think as a base knowing that Angela could definitely go back to work later down the track?","start":1077.355,"end":1086.095,"sentiment":"neutral","sentiment_score":0.06283697069933017},{"text":"Would you want me to cover, you know, five or ten years worth of net or gross income or a little bit less?","start":1086.3151,"end":1092.41,"sentiment":"neutral","sentiment_score":0.006822116713484992},{"text":"What would you be comfortable with having?","start":1092.41,"end":1094.43,"sentiment":"neutral","sentiment_score":0.02618167575980936}],"sentiment":"neutral","sentiment_score":0.036146713856367335,"num_words":62,"start":1074.8501,"end":1094.43},{"sentences":[{"text":"Yep.","start":1098.4901,"end":1098.89,"sentiment":"neutral","sentiment_score":0.03078587725758553},{"text":"Did you want me to work on gross income or net?","start":1098.89,"end":1101.37,"sentiment":"neutral","sentiment_score":0.027822519398548386},{"text":"Gross obviously does.","start":1101.37,"end":1102.65,"sentiment":"neutral","sentiment_score":0.10122215002775192},{"text":"Because it's gross, it covers the tax side of things, but it also can just give you a little bit of a buffer in case you have income increases down the track, or I could look to make it a bit cheaper and focus on five years of net income for you.","start":1102.65,"end":1115.575,"sentiment":"neutral","sentiment_score":0.0744816200950971},{"text":"What would you prefer?","start":1115.575,"end":1116.715,"sentiment":"neutral","sentiment_score":0.004967625718563795}],"sentiment":"neutral","sentiment_score":0.06385091251470673,"num_words":71,"start":1098.4901,"end":1116.715},{"sentences":[{"text":"It is.","start":1125.19,"end":1125.83,"sentiment":"negative","sentiment_score":-0.5894822180271149},{"text":"It's disgusting, honestly.","start":1125.83,"end":1127.19,"sentiment":"negative","sentiment_score":-0.7877727746963501},{"text":"I do not like I think if if you're injured and you can't get back to work again, the last thing you should be doing is paying I don't don't like it at all.","start":1127.19,"end":1134.655,"sentiment":"negative","sentiment_score":-0.6283189891015782},{"text":"It is.","start":1137.595,"end":1138.415,"sentiment":"neutral","sentiment_score":-0.03601796366274357},{"text":"On the gross?","start":1139.995,"end":1140.875,"sentiment":"neutral","sentiment_score":-0.00991390428195397}],"sentiment":"negative","sentiment_score":-0.5683387734038248,"num_words":44,"start":1125.19,"end":1140.875},{"sentences":[{"text":"Yep.","start":1140.875,"end":1141.275,"sentiment":"neutral","sentiment_score":0.0860537737607956},{"text":"Beautiful.","start":1141.275,"end":1141.775,"sentiment":"neutral","sentiment_score":0.2744728922843933},{"text":"And what I'll do is I'll update the advice for you.","start":1141.995,"end":1144.795,"sentiment":"neutral","sentiment_score":0.1088359769095074},{"text":"I'll go back and reflect things.","start":1144.795,"end":1146.075,"sentiment":"neutral","sentiment_score":0.10237450028459232},{"text":"Now because of your occupation, it can be difficult to get TBD.","start":1146.075,"end":1150.14,"sentiment":"neutral","sentiment_score":-0.08421169562886159}],"sentiment":"neutral","sentiment_score":0.03746545374874146,"num_words":31,"start":1140.875,"end":1150.14},{"sentences":[{"text":"So I can look to keep whatever I can with the funds you have here at the moment.","start":1150.36,"end":1154.7799,"sentiment":"neutral","sentiment_score":-0.0281675114399857},{"text":"There may be a possibility where we can't get.","start":1155.32,"end":1157.72,"sentiment":"neutral","sentiment_score":-0.13450777613454395},{"text":"So to kind of break down TBD, and it gets a little bit confusing, and I do apologize.","start":1157.72,"end":1162.625,"sentiment":"neutral","sentiment_score":-0.16635627092586625},{"text":"Let me know if you have more questions.","start":1162.6849,"end":1164.205,"sentiment":"neutral","sentiment_score":-0.01693791663274169},{"text":"But there are different definitions to claiming on TPD.","start":1164.205,"end":1167.585,"sentiment":"neutral","sentiment_score":-0.11044580075475904}],"sentiment":"neutral","sentiment_score":-0.09421796141372572,"num_words":62,"start":1150.36,"end":1167.585},{"sentences":[{"text":"The most the best definition you can have is an own occupation.","start":1167.965,"end":1171.745,"sentiment":"neutral","sentiment_score":-0.0698437225073576},{"text":"That means that you would have to be unable to ever go back to work in the occupation you were doing prior to your disability.","start":1172.46,"end":1178.24,"sentiment":"negative","sentiment_score":-0.43562207102775574},{"text":"That kind of occupation for TPD has to be paid out of your back pocket.","start":1178.94,"end":1182.78,"sentiment":"negative","sentiment_score":-0.46519374251365664},{"text":"It can't be paid for inside paper.","start":1182.78,"end":1184.72,"sentiment":"negative","sentiment_score":-0.43916035124233793},{"text":"It does make that kind of cover a lot more expensive.","start":1185.135,"end":1187.9551,"sentiment":"negative","sentiment_score":-0.5166977102106268}],"sentiment":"negative","sentiment_score":-0.3923482836357185,"num_words":70,"start":1167.965,"end":1187.9551},{"sentences":[{"text":"It would be very hard to probably get that for your occupation.","start":1188.5751,"end":1191.555,"sentiment":"negative","sentiment_score":-0.5046586791674296},{"text":"So the other definition you have with the bus queue and the c bus isn't any occupation, and that means that in order for you to claim on TBD, you just have to have doctors proving that you're never gonna go back to work again for any occupation for which you were educated, trained, or have worked in the past.","start":1192.255,"end":1208.93,"sentiment":"neutral","sentiment_score":-0.10544977157066265},{"text":"It does make it a lot harder to claim on those definitions.","start":1209.39,"end":1212.29,"sentiment":"neutral","sentiment_score":-0.1869023640950521},{"text":"But if you I mean, with your role, if something people, in super.","start":1213.0701,"end":1228.0751,"sentiment":"neutral","sentiment_score":-0.04653147378793129},{"text":"There are other definitions.","start":1228.6951,"end":1229.995,"sentiment":"neutral","sentiment_score":-0.04607167933136225}],"sentiment":"neutral","sentiment_score":-0.1526229177223574,"num_words":101,"start":1188.5751,"end":1229.995},{"sentences":[{"text":"So these are the most common ones in super, but they are depending on what your occupation is.","start":1230.295,"end":1236.6901,"sentiment":"neutral","sentiment_score":-0.041067590937018394},{"text":"A lot of insurers have trouble with the risk level of giving in any occupation definition.","start":1236.6901,"end":1242.87,"sentiment":"neutral","sentiment_score":-0.21660478226840496},{"text":"So it means that when I look at retail or other providers, aside from what you already have, they may not offer the same type of cover.","start":1243.0249,"end":1250.1649,"sentiment":"neutral","sentiment_score":-0.132397067491655},{"text":"I may be able to get and I will look at all the options I have available and see what the insurers are gonna offer.","start":1250.5449,"end":1255.985,"sentiment":"neutral","sentiment_score":-0.06879309669137001},{"text":"But the third definition with the TPD is ADL, and it just basically means that you are never able to go back to work again and that you require assistance with eating.","start":1255.985,"end":1267.54,"sentiment":"neutral","sentiment_score":-0.05281935352832079}],"sentiment":"neutral","sentiment_score":-0.09482763309852552,"num_words":118,"start":1230.295,"end":1267.54},{"sentences":[{"text":"So eating, dressing, bathing, driving, just, you know, normal everyday living.","start":1267.6001,"end":1272.8201,"sentiment":"neutral","sentiment_score":-0.03868435145440427},{"text":"It is a much harder definition to claim on, but I might be able to get some sort of top up cover for you to build it up to level you need.","start":1273.1849,"end":1281.205,"sentiment":"neutral","sentiment_score":-0.08893175574485213},{"text":"It may have to be this ADL definition.","start":1281.505,"end":1284.085,"sentiment":"neutral","sentiment_score":-0.05027227429673076},{"text":"If I can only go that way, I would try to keep everything you have to give you the best possible claim up front.","start":1284.5449,"end":1290.84,"sentiment":"neutral","sentiment_score":-0.05236027669161558},{"text":"And then we have this backup cover down here, which might be a different definition.","start":1291.14,"end":1295.48,"sentiment":"neutral","sentiment_score":-0.04510926318665345}],"sentiment":"neutral","sentiment_score":-0.062297864806734854,"num_words":90,"start":1267.6001,"end":1295.48},{"sentences":[{"text":"But are you comfortable with me looking at all those options and coming up with whatever I possibly can to give you that extra level of cover even if it's a different definition.","start":1296.1,"end":1304.0549,"sentiment":"neutral","sentiment_score":-0.04401159060723854},{"text":"Yeah.","start":1306.115,"end":1306.4349,"sentiment":"neutral","sentiment_score":0.2182954847812653},{"text":"Yeah.","start":1306.4349,"end":1306.755,"sentiment":"neutral","sentiment_score":0.29865115880966187},{"text":"Beautiful.","start":1306.755,"end":1307.235,"sentiment":"positive","sentiment_score":0.5142512321472168},{"text":"Do you have questions?","start":1307.235,"end":1308.195,"sentiment":"neutral","sentiment_score":0.19208212196826935}],"sentiment":"neutral","sentiment_score":0.008678596839308739,"num_words":40,"start":1296.1,"end":1308.195},{"sentences":[{"text":"It is a lot.","start":1308.195,"end":1308.995,"sentiment":"neutral","sentiment_score":-0.23283298686146736},{"text":"It can be a bit confusing with the the type of TBD, what it is, what the definitions are, how it can be claimed.","start":1308.995,"end":1315.015,"sentiment":"neutral","sentiment_score":-0.24584868736565113},{"text":"Did you want me to break anything of that down more for you?","start":1315.3301,"end":1318.53,"sentiment":"neutral","sentiment_score":-0.08671810048130843},{"text":"Did you have further questions in relation to any of that, Ryan?","start":1318.53,"end":1321.91,"sentiment":"neutral","sentiment_score":-0.05795340985059738},{"text":"Yeah.","start":1326.29,"end":1326.79,"sentiment":"neutral","sentiment_score":0.11839932203292848}],"sentiment":"neutral","sentiment_score":-0.1580755064194953,"num_words":54,"start":1308.195,"end":1326.79},{"sentences":[{"text":"Beautiful.","start":1327.0901,"end":1327.5901,"sentiment":"positive","sentiment_score":0.3829537034034729},{"text":"Yes.","start":1333.185,"end":1333.685,"sentiment":"neutral","sentiment_score":0.1840035021305084},{"text":"Yes.","start":1335.745,"end":1336.245,"sentiment":"neutral","sentiment_score":0.23170669376850128},{"text":"Perfect.","start":1336.305,"end":1336.805,"sentiment":"positive","sentiment_score":0.5654124021530151},{"text":"Perfect.","start":1337.425,"end":1337.925,"sentiment":"positive","sentiment_score":0.46473485231399536}],"sentiment":"positive","sentiment_score":0.36576223075389863,"num_words":5,"start":1327.0901,"end":1337.925},{"sentences":[{"text":"Yeah.","start":1339.5851,"end":1339.905,"sentiment":"neutral","sentiment_score":0.2624480724334717},{"text":"Absolutely.","start":1339.905,"end":1340.405,"sentiment":"positive","sentiment_score":0.4531952142715454},{"text":"Perfect.","start":1340.9451,"end":1341.4451,"sentiment":"positive","sentiment_score":0.4922865331172943},{"text":"And the other thing to look at, we also do have other types of personal insurances like income protection.","start":1342.305,"end":1348.54,"sentiment":"neutral","sentiment_score":0.03977482844340174},{"text":"Now I know with your your bus queue policy, you have TTD, which is a total it's sorry.","start":1348.92,"end":1356.4401,"sentiment":"neutral","sentiment_score":-0.03594225738197565}],"sentiment":"neutral","sentiment_score":0.03291727318428457,"num_words":40,"start":1339.5851,"end":1356.4401},{"sentences":[{"text":"Temporary disablement is part of your TBD, and it means that if you are unable to go to work for a certain period of time, they can pay out, like, a lump sum or a little bit of money as a temporary disablement.","start":1356.4401,"end":1368.2949,"sentiment":"neutral","sentiment_score":-0.05890078626053278},{"text":"I also am aware that with your sea bus, there are often differences.","start":1369.155,"end":1373.255,"sentiment":"neutral","sentiment_score":-0.04894694313406944},{"text":"It doesn't look like there's anything attached there at the moment, but BusQ and SeaBus and sometimes unions offer different types of cover.","start":1373.315,"end":1380.22,"sentiment":"neutral","sentiment_score":-0.04066319350639115},{"text":"Do you have any kind of income protection cover that you're aware of through your union, your company that you work for, or through BusQ or bus that you're aware of.","start":1380.36,"end":1390.0751,"sentiment":"neutral","sentiment_score":-0.019536350252887896},{"text":"Yep.","start":1398.055,"end":1398.555,"sentiment":"neutral","sentiment_score":-0.00843342486768961}],"sentiment":"neutral","sentiment_score":-0.042507727957657865,"num_words":111,"start":1356.4401,"end":1398.555},{"sentences":[{"text":"Okay.","start":1413.63,"end":1414.13,"sentiment":"neutral","sentiment_score":-0.029612841084599495},{"text":"Yep.","start":1414.91,"end":1415.41,"sentiment":"neutral","sentiment_score":-0.03733816742897034},{"text":"We're done.","start":1415.87,"end":1416.375,"sentiment":"neutral","sentiment_score":-0.18395309895277023},{"text":"Yep.","start":1420.455,"end":1420.955,"sentiment":"neutral","sentiment_score":0.0364355631172657},{"text":"Yep.","start":1421.015,"end":1421.495,"sentiment":"neutral","sentiment_score":0.09721845388412476}],"sentiment":"neutral","sentiment_score":-0.050200531569619976,"num_words":6,"start":1413.63,"end":1421.495},{"sentences":[{"text":"Perfect.","start":1421.495,"end":1421.995,"sentiment":"positive","sentiment_score":0.39437028765678406},{"text":"Excellent.","start":1422.215,"end":1422.615,"sentiment":"positive","sentiment_score":0.38373756408691406},{"text":"And with the the CIP, are you aware of the level of cover that you have, the waiting periods, and the information around the income protection policy?","start":1422.615,"end":1435.6001,"sentiment":"neutral","sentiment_score":0.02308946910003821},{"text":"Yep.","start":1435.66,"end":1435.9801,"sentiment":"neutral","sentiment_score":0.04591238498687744},{"text":"That's okay.","start":1435.9801,"end":1436.62,"sentiment":"neutral","sentiment_score":0.18869849294424057}],"sentiment":"neutral","sentiment_score":0.05702602776000276,"num_words":32,"start":1421.495,"end":1436.62},{"sentences":[{"text":"Are you happy with just retaining that for now, or did you want me to look at trying to maybe obtain some sort of income protection or, like, expenditure protection insurances that might pay out if you're unable to go to work in the short term to help cover your regular expenditure of your family.","start":1436.62,"end":1453.525,"sentiment":"neutral","sentiment_score":0.10484793159094724},{"text":"Yep.","start":1457.8251,"end":1458.3251,"sentiment":"neutral","sentiment_score":0.1285645067691803},{"text":"Beautiful.","start":1458.785,"end":1459.285,"sentiment":"positive","sentiment_score":0.5402159094810486},{"text":"Yep.","start":1466.83,"end":1467.3099,"sentiment":"neutral","sentiment_score":-0.01894025318324566},{"text":"Yeah.","start":1467.3099,"end":1467.8099,"sentiment":"neutral","sentiment_score":-0.03159865736961365}],"sentiment":"neutral","sentiment_score":0.10821826683388928,"num_words":59,"start":1436.62,"end":1467.8099},{"sentences":[{"text":"Yep.","start":1470.83,"end":1471.33,"sentiment":"neutral","sentiment_score":0.11985568702220915},{"text":"That's absolutely fine.","start":1471.87,"end":1473.49,"sentiment":"positive","sentiment_score":0.38062387704849243},{"text":"If you're able to contact your payroll and find out a bit more about the policy, even if you can send any information through to me, that would be great.","start":1473.795,"end":1481.2351,"sentiment":"positive","sentiment_score":0.37087097267309826},{"text":"I can always break it down and have a look at what the policy is and be able to give you assistance on this general information about what it is, what you're covered for, the waiting periods, the benefit periods.","start":1481.2351,"end":1490.88,"sentiment":"neutral","sentiment_score":0.21599607765674592},{"text":"I can pull a PDF apart for you as well and and give you some information around it to help you out.","start":1490.88,"end":1495.68,"sentiment":"neutral","sentiment_score":0.16457988999106668}],"sentiment":"neutral","sentiment_score":0.2567547623378535,"num_words":96,"start":1470.83,"end":1495.68},{"sentences":[{"text":"So if you're able to get that information, definitely do.","start":1495.68,"end":1499.025,"sentiment":"neutral","sentiment_score":0.12617312259972097},{"text":"If not, that's okay.","start":1499.265,"end":1500.465,"sentiment":"neutral","sentiment_score":0.0018734598997980356},{"text":"I can scope out the income protection side of things for the time being, and then we can just focus on that down the track.","start":1500.465,"end":1506.9451,"sentiment":"neutral","sentiment_score":0.09037953913211823},{"text":"Does that sound okay with you?","start":1506.9451,"end":1508.5651,"sentiment":"neutral","sentiment_score":0.12999311089515686},{"text":"Yep.","start":1509.985,"end":1510.485,"sentiment":"neutral","sentiment_score":0.23172315955162048}],"sentiment":"neutral","sentiment_score":0.09870424714830259,"num_words":46,"start":1495.68,"end":1510.485},{"sentences":[{"text":"Beautiful.","start":1510.865,"end":1511.365,"sentiment":"positive","sentiment_score":0.6196354627609253},{"text":"Excellent.","start":1511.5851,"end":1512.0851,"sentiment":"positive","sentiment_score":0.4880483150482178},{"text":"Now there are, again, other types of insurances.","start":1512.61,"end":1514.87,"sentiment":"neutral","sentiment_score":0.023213876644149423},{"text":"And, look, you can insure everything to the health.","start":1514.9299,"end":1517.33,"sentiment":"neutral","sentiment_score":0.10312547534704208},{"text":"It's about what's important to you.","start":1517.33,"end":1519.2699,"sentiment":"neutral","sentiment_score":0.07363581905762355}],"sentiment":"neutral","sentiment_score":0.10653355933725833,"num_words":25,"start":1510.865,"end":1519.2699},{"sentences":[{"text":"When we look at personal insurances, you have life, TPD, income protection, and they also have trauma.","start":1519.57,"end":1524.71,"sentiment":"neutral","sentiment_score":-0.008936147301403038},{"text":"Now trauma can pay out a lump sum benefit in the event that you're unable to or that you'd start diagnosed with a major traumatic condition.","start":1525.0751,"end":1532.4551,"sentiment":"neutral","sentiment_score":-0.055740841592733674},{"text":"Often, the major conditions might be heart attack, stroke.","start":1533.3151,"end":1537.0751,"sentiment":"neutral","sentiment_score":-0.08942600588003795},{"text":"Cancer's probably a big one.","start":1537.0751,"end":1538.72,"sentiment":"neutral","sentiment_score":-0.12652627155184745},{"text":"Parkinson's, MS, other neurological conditions.","start":1538.72,"end":1541.6,"sentiment":"neutral","sentiment_score":-0.03534874692559242}],"sentiment":"neutral","sentiment_score":-0.05186105694907207,"num_words":62,"start":1519.57,"end":1541.6},{"sentences":[{"text":"If you lose a limb or become permanently blind, there are those sorts of things.","start":1541.6,"end":1546.98,"sentiment":"neutral","sentiment_score":-0.08723323692878088},{"text":"Trauma is an out of pocket expense, so you can't pay for inside super.","start":1547.68,"end":1551.68,"sentiment":"neutral","sentiment_score":-0.10785471142402717},{"text":"It does have to be paid for out of your back pocket.","start":1551.68,"end":1554.1,"sentiment":"neutral","sentiment_score":-0.08379393722862005},{"text":"But unlike TBD or income protection, there's no no employment restrictions on this sort of cover.","start":1554.685,"end":1563.985,"sentiment":"neutral","sentiment_score":-0.016989275463856757},{"text":"So, basically, with trauma sorry.","start":1564.2051,"end":1566.125,"sentiment":"neutral","sentiment_score":-0.010223402455449105}],"sentiment":"neutral","sentiment_score":-0.06688608355339497,"num_words":62,"start":1541.6,"end":1566.125},{"sentences":[{"text":"If you are diagnosed with a major traumatic condition, say you got cancer tomorrow, there's no waiting periods or definitions.","start":1566.125,"end":1572.34,"sentiment":"neutral","sentiment_score":0.004818675731075928},{"text":"You just have to fill out the claims paperwork.","start":1572.34,"end":1575.16,"sentiment":"neutral","sentiment_score":0.05882780088318719},{"text":"The doctor signs off to say, yes.","start":1575.46,"end":1577.06,"sentiment":"neutral","sentiment_score":0.07100266697151321},{"text":"You've been diagnosed with cancer, and then a lump sum payment is made to you.","start":1577.06,"end":1581.16,"sentiment":"neutral","sentiment_score":0.11630591253439586},{"text":"It is tax free.","start":1581.22,"end":1582.42,"sentiment":"neutral","sentiment_score":0.188581682741642}],"sentiment":"neutral","sentiment_score":0.06585014200642367,"num_words":55,"start":1566.125,"end":1582.42},{"sentences":[{"text":"There's no tax consequences for it, and it can it is a lot easier to claim on.","start":1582.42,"end":1587.8551,"sentiment":"neutral","sentiment_score":0.21857268560458631},{"text":"It can be really cheap to have maybe one or two years worth of income replacement.","start":1588.155,"end":1592.0751,"sentiment":"neutral","sentiment_score":0.17223511030897498},{"text":"It gets more expensive, those level the higher the level of cover you have.","start":1592.0751,"end":1596.255,"sentiment":"neutral","sentiment_score":-0.11191408868346896},{"text":"Some people do have that as an offshoot to income protection or a bit of a buffer for other insurances.","start":1596.875,"end":1603.16,"sentiment":"neutral","sentiment_score":-0.04145168708637357},{"text":"Some people prefer that instead.","start":1603.86,"end":1605.5599,"sentiment":"neutral","sentiment_score":0.000926364958286285}],"sentiment":"neutral","sentiment_score":0.05667080919051336,"num_words":72,"start":1582.42,"end":1605.5599},{"sentences":[{"text":"It just comes down to what you're comfortable with and also can you afford to pay for the insurances out of your back pocket?","start":1605.62,"end":1611.575,"sentiment":"neutral","sentiment_score":-0.017991487092028063},{"text":"Did you want me to look at any kind of trauma for you?","start":1611.715,"end":1614.355,"sentiment":"neutral","sentiment_score":-0.10242017243917172},{"text":"Or mhmm.","start":1614.355,"end":1619.415,"sentiment":"neutral","sentiment_score":-0.06795489229261875},{"text":"Yep.","start":1620.595,"end":1620.995,"sentiment":"neutral","sentiment_score":0.08991193771362305},{"text":"That's absolutely fine.","start":1620.995,"end":1622.43,"sentiment":"neutral","sentiment_score":0.277709166208903}],"sentiment":"neutral","sentiment_score":-0.022700657678204915,"num_words":43,"start":1605.62,"end":1622.43},{"sentences":[{"text":"Not a problem at all.","start":1625.0701,"end":1625.2301,"sentiment":"neutral","sentiment_score":0.2936619818210602},{"text":"Lovely.","start":1625.2301,"end":1625.7301,"sentiment":"positive","sentiment_score":0.4919095039367676},{"text":"So I'll look at life and TBD for you.","start":1625.9501,"end":1628.8501,"sentiment":"neutral","sentiment_score":0.25863909555806053},{"text":"We will scope out the income protection and not and and scope out any trauma for the moment.","start":1629.55,"end":1635.25,"sentiment":"neutral","sentiment_score":0.1437546687407626},{"text":"That's absolutely fine.","start":1635.31,"end":1636.6901,"sentiment":"neutral","sentiment_score":0.3238362769285838}],"sentiment":"neutral","sentiment_score":0.21797400392178032,"num_words":36,"start":1625.0701,"end":1636.6901},{"sentences":[{"text":"The other thing to sort of look at is if you are if we do need to keep the three super funds open, we need to be able to make sure contributions can be going in.","start":1637.355,"end":1646.015,"sentiment":"neutral","sentiment_score":0.07012727370278703},{"text":"Now what does your expenditure look like through your household at the moment?","start":1646.5549,"end":1650.155,"sentiment":"neutral","sentiment_score":0.03966122048978622},{"text":"Are you guys finding that you have any savings on a weekly or fortnightly or monthly basis?","start":1650.155,"end":1655.26,"sentiment":"neutral","sentiment_score":0.05103082034517737},{"text":"How's everything looking?","start":1655.26,"end":1656.48,"sentiment":"neutral","sentiment_score":0.05348641177018484},{"text":"Yeah?","start":1661.26,"end":1661.76,"sentiment":"neutral","sentiment_score":0.17274582386016846}],"sentiment":"neutral","sentiment_score":0.06058438178151846,"num_words":70,"start":1637.355,"end":1661.76},{"sentences":[{"text":"200 per week?","start":1666.62,"end":1668.1849,"sentiment":"neutral","sentiment_score":0.08736542612314224},{"text":"Beautiful.","start":1668.245,"end":1668.745,"sentiment":"positive","sentiment_score":0.41870933771133423},{"text":"Yep.","start":1672.005,"end":1672.325,"sentiment":"neutral","sentiment_score":0.1820988655090332},{"text":"That's okay.","start":1672.325,"end":1673.0449,"sentiment":"positive","sentiment_score":0.3997897654771805},{"text":"So if we did look to keep the c bus and the bus queue open as well as they have 24 and make contributions in, is your employer open, or do you think they'd be willing to split your contributions out, or would you be needing to make contributions to each fund, maybe some from your bank account, some from your employer?","start":1673.0449,"end":1692.09,"sentiment":"neutral","sentiment_score":0.0828142878148825}],"sentiment":"neutral","sentiment_score":0.09850680952270825,"num_words":69,"start":1666.62,"end":1692.09},{"sentences":[{"text":"How do you think that might be perceived by your boss?","start":1692.09,"end":1698.605,"sentiment":"neutral","sentiment_score":-0.2739399576728994},{"text":"Mhmm.","start":1703.7051,"end":1704.2051,"sentiment":"neutral","sentiment_score":-0.03187893331050873},{"text":"Yes.","start":1706.025,"end":1706.31,"sentiment":"neutral","sentiment_score":0.032486457377672195},{"text":"Yes.","start":1712.31,"end":1712.81,"sentiment":"neutral","sentiment_score":0.07166898250579834},{"text":"Yes.","start":1720.15,"end":1720.2301,"sentiment":"neutral","sentiment_score":0.05165265500545502}],"sentiment":"neutral","sentiment_score":-0.1926273581882318,"num_words":15,"start":1692.09,"end":1720.2301},{"sentences":[{"text":"Mhmm.","start":1720.2301,"end":1720.665,"sentiment":"neutral","sentiment_score":0.02649974264204502},{"text":"Yep.","start":1726.905,"end":1727.405,"sentiment":"neutral","sentiment_score":0.06047165021300316},{"text":"Keep those insurances at the license levels.","start":1728.665,"end":1731.005,"sentiment":"neutral","sentiment_score":0.04040100531918662},{"text":"Yep.","start":1731.545,"end":1732.045,"sentiment":"neutral","sentiment_score":0.10542701184749605},{"text":"Yep.","start":1734.105,"end":1734.39,"sentiment":"neutral","sentiment_score":0.24222597479820251}],"sentiment":"neutral","sentiment_score":0.06522103788500483,"num_words":11,"start":1720.2301,"end":1734.39},{"sentences":[{"text":"Yep.","start":1735.99,"end":1736.39,"sentiment":"neutral","sentiment_score":0.11190538108348846},{"text":"That's okay.","start":1736.39,"end":1737.21,"sentiment":"neutral","sentiment_score":-0.14120278880000114},{"text":"Yeah.","start":1738.39,"end":1738.55,"sentiment":"neutral","sentiment_score":0.047601353377103806},{"text":"That's okay.","start":1738.55,"end":1739.37,"sentiment":"neutral","sentiment_score":0.10733716189861298},{"text":"If I was to maybe make a recommendation that you kept the three funds open and that we were to maybe put some additional contributions in, would you be comfortable with me maybe telling you that we keep bus queue and hub 24 the way it is and we keep c bus open, but you make an additional contribution to, say, c bus to, a, keep the insurances working in place, but, b, make the cost worthwhile of having free funds?","start":1739.99,"end":1763.5651,"sentiment":"neutral","sentiment_score":0.0917123746080899}],"sentiment":"neutral","sentiment_score":0.08644227383808158,"num_words":87,"start":1735.99,"end":1763.5651},{"sentences":[{"text":"Is that something you're open to me doing?","start":1764.21,"end":1766.15,"sentiment":"neutral","sentiment_score":0.09115550108253956},{"text":"Yep.","start":1772.37,"end":1772.87,"sentiment":"neutral","sentiment_score":0.11252862215042114},{"text":"Yep.","start":1773.01,"end":1773.51,"sentiment":"neutral","sentiment_score":0.10642629861831664},{"text":"Yeah.","start":1780.0249,"end":1780.345,"sentiment":"neutral","sentiment_score":0.2092219591140747},{"text":"Yeah.","start":1780.345,"end":1780.505,"sentiment":"neutral","sentiment_score":0.2730862498283386}],"sentiment":"neutral","sentiment_score":0.1192089281976223,"num_words":12,"start":1764.21,"end":1780.505},{"sentences":[{"text":"Absolutely.","start":1780.505,"end":1781.005,"sentiment":"positive","sentiment_score":0.47250646352767944},{"text":"We can do that.","start":1781.1449,"end":1781.7849,"sentiment":"positive","sentiment_score":0.4753118008375168},{"text":"Not a problem.","start":1781.7849,"end":1782.4249,"sentiment":"neutral","sentiment_score":0.27128416175643605},{"text":"I'll do the research against the funds and what this looks like and what you might have to contribute.","start":1782.4249,"end":1786.605,"sentiment":"neutral","sentiment_score":0.023808632928289865},{"text":"If you're able to save about 200 per week, I wouldn't you wanna use up all of your savings, but just making sure that it is worth the cost of having them open.","start":1787.225,"end":1795.8999,"sentiment":"neutral","sentiment_score":0.06300586597485976}],"sentiment":"neutral","sentiment_score":0.09531939591591557,"num_words":60,"start":1780.505,"end":1795.8999},{"sentences":[{"text":"Okay?","start":1796.12,"end":1796.62,"sentiment":"neutral","sentiment_score":0.03559636324644089},{"text":"Excellent.","start":1797.7999,"end":1798.2999,"sentiment":"positive","sentiment_score":0.6963171362876892},{"text":"Fantastic.","start":1798.6,"end":1799.1,"sentiment":"positive","sentiment_score":0.7116755247116089},{"text":"Now sorry.","start":1800.5199,"end":1801.8999,"sentiment":"neutral","sentiment_score":0.3115684688091278},{"text":"The only other thing to sort of go through is I've confirmed your income.","start":1801.96,"end":1806.4651,"sentiment":"neutral","sentiment_score":0.10943859576114587}],"sentiment":"neutral","sentiment_score":0.1894140159221072,"num_words":19,"start":1796.12,"end":1806.4651},{"sentences":[{"text":"That's increased.","start":1806.4651,"end":1807.185,"sentiment":"neutral","sentiment_score":0.20881471782922745},{"text":"We'll update that for you.","start":1807.185,"end":1808.725,"sentiment":"neutral","sentiment_score":0.2309414267539978},{"text":"Beautiful.","start":1808.865,"end":1809.365,"sentiment":"positive","sentiment_score":0.590387761592865},{"text":"With your super fund at the moment, now one of the other forms you have on that email is your hub twenty four performance report.","start":1810.305,"end":1817.365,"sentiment":"neutral","sentiment_score":0.2212287074327469},{"text":"If you're able to click on that one, it goes to and tells you what your hub twenty four has done for the year performance wise.","start":1817.77,"end":1824.83,"sentiment":"neutral","sentiment_score":0.20039155448858553}],"sentiment":"neutral","sentiment_score":0.21870546497530857,"num_words":59,"start":1806.4651,"end":1824.83},{"sentences":[{"text":"Yep.","start":1828.17,"end":1828.67,"sentiment":"neutral","sentiment_score":0.059181198477745056},{"text":"Oh, nice.","start":1829.77,"end":1830.59,"sentiment":"neutral","sentiment_score":0.3254610598087311},{"text":"If you scroll if you open that one up and scroll to the second page, it essentially shows that with the internal rate of return net of fees, your super fund has made 8.89% return.","start":1831.765,"end":1844.265,"sentiment":"neutral","sentiment_score":0.19132936490433558},{"text":"So that is quite a good return for where you are, essentially with no contributions going in.","start":1844.325,"end":1849.4401,"sentiment":"neutral","sentiment_score":0.2918205116601551},{"text":"It is solely the portfolio working and building.","start":1849.4401,"end":1852.24,"sentiment":"neutral","sentiment_score":0.1176106221973896}],"sentiment":"neutral","sentiment_score":0.21124547246902708,"num_words":63,"start":1828.17,"end":1852.24},{"sentences":[{"text":"Some people do prefer a dollar figure as opposed to a percentage, and it essentially shows as a dollar figure, your super funds within hub twenty four has made $18,680.40 for the year.","start":1852.56,"end":1864.755,"sentiment":"neutral","sentiment_score":0.06146684703840451},{"text":"That's growth and income.","start":1864.755,"end":1866.455,"sentiment":"neutral","sentiment_score":0.09298672899603844},{"text":"That's with no contributions because they're all going into bus queue there.","start":1870.6749,"end":1873.95,"sentiment":"neutral","sentiment_score":-0.04727787788336476},{"text":"So yeah.","start":1874.19,"end":1875.4099,"sentiment":"neutral","sentiment_score":-0.007094311993569136},{"text":"Yeah.","start":1875.5499,"end":1876.0299,"sentiment":"neutral","sentiment_score":0.043231070041656494}],"sentiment":"neutral","sentiment_score":0.035808861148185454,"num_words":52,"start":1852.56,"end":1876.0299},{"sentences":[{"text":"So the super fund has been working, doing what it needs to.","start":1876.0299,"end":1879.25,"sentiment":"neutral","sentiment_score":0.10214993419746558},{"text":"This year has also been very up and down with what's been happening globally there as well.","start":1879.63,"end":1884.0299,"sentiment":"neutral","sentiment_score":0.0855956969454008},{"text":"So it is kind of good to see that, you know, you have come out with a positive return.","start":1884.0299,"end":1888.13,"sentiment":"positive","sentiment_score":0.4282900863572171},{"text":"You're in kind of a high growth environment.","start":1888.9851,"end":1891.005,"sentiment":"neutral","sentiment_score":0.3197930324822664},{"text":"So, essentially, when you think about high growth, you normally see about 90% of your super invested in growth assets.","start":1891.385,"end":1898.025,"sentiment":"neutral","sentiment_score":0.1451644752174616}],"sentiment":"neutral","sentiment_score":0.21421146662415644,"num_words":76,"start":1876.0299,"end":1898.025},{"sentences":[{"text":"These are things like Australian shares, international shares, listed property, and commodities like gold and silver.","start":1898.025,"end":1903.5651,"sentiment":"neutral","sentiment_score":0.09337035613134503},{"text":"You are taking a bit more risk to be in that kind of high growth environment.","start":1903.98,"end":1907.58,"sentiment":"neutral","sentiment_score":-0.14879538491368294},{"text":"So you are wanting to see those greater returns.","start":1907.58,"end":1909.76,"sentiment":"neutral","sentiment_score":0.2582836283577813},{"text":"Generally speaking, when you think about the risk profile returns where you're sort of wanting to see around about eight to 10% on a yearly basis.","start":1910.54,"end":1918.695,"sentiment":"neutral","sentiment_score":0.13863287321650064},{"text":"So the 8% that you have, 8.89 is within that range.","start":1918.855,"end":1923.1749,"sentiment":"neutral","sentiment_score":0.25348709659142926}],"sentiment":"neutral","sentiment_score":0.1003918584722739,"num_words":78,"start":1898.025,"end":1923.1749},{"sentences":[{"text":"It's about middle range for your portfolio, which is good.","start":1923.1749,"end":1926.3949,"sentiment":"neutral","sentiment_score":0.2955004349350929},{"text":"But in that high growth environment, you are taking a bit more risk.","start":1927.0149,"end":1930.0549,"sentiment":"neutral","sentiment_score":-0.20427324852118126},{"text":"So you do understand that when there are negatives, when there are down times, the portfolio will show that.","start":1930.0549,"end":1936.0599,"sentiment":"neutral","sentiment_score":-0.24398034418884076},{"text":"It will be magnified.","start":1936.0599,"end":1937.84,"sentiment":"neutral","sentiment_score":-0.25424962490797043},{"text":"But when you see good times, then the returns are much higher because of that.","start":1938.7799,"end":1943.12,"sentiment":"neutral","sentiment_score":0.06565524687369664}],"sentiment":"neutral","sentiment_score":-0.07161220028752187,"num_words":61,"start":1923.1749,"end":1943.12},{"sentences":[{"text":"Yeah.","start":1944.14,"end":1944.64,"sentiment":"neutral","sentiment_score":0.006332706660032272},{"text":"Yep.","start":1946.7799,"end":1947.105,"sentiment":"neutral","sentiment_score":-0.02318199723958969},{"text":"Oh, absolutely.","start":1956.3049,"end":1958.005,"sentiment":"neutral","sentiment_score":0.021022630855441093},{"text":"Absolutely.","start":1962.8201,"end":1963.3201,"sentiment":"neutral","sentiment_score":0.1385820060968399},{"text":"Definitely.","start":1963.38,"end":1963.88,"sentiment":"neutral","sentiment_score":0.0930841863155365}],"sentiment":"neutral","sentiment_score":0.04281036059061686,"num_words":6,"start":1944.14,"end":1963.88},{"sentences":[{"text":"And, look, having a look at things.","start":1963.9401,"end":1965.2201,"sentiment":"neutral","sentiment_score":0.020385328148092543},{"text":"So you're 44 this year.","start":1965.2201,"end":1966.66,"sentiment":"neutral","sentiment_score":0.0168723464012146},{"text":"So, you know, you're basically the same age as me.","start":1966.66,"end":1968.98,"sentiment":"neutral","sentiment_score":-0.018867474980652332},{"text":"You've got a lot of time ahead of you.","start":1968.98,"end":1970.5,"sentiment":"neutral","sentiment_score":-0.058598207930723824},{"text":"You can't really access supers at the age of 60 at the moment.","start":1970.5,"end":1973.86,"sentiment":"neutral","sentiment_score":-0.08415107830212666}],"sentiment":"neutral","sentiment_score":-0.03597644568336281,"num_words":44,"start":1963.9401,"end":1973.86},{"sentences":[{"text":"So having a bit more risk now is preferable.","start":1973.86,"end":1976.6,"sentiment":"neutral","sentiment_score":-0.12288395977682537},{"text":"If you were about sort of eight years away from accessing those funds, I would be absolutely pulling you back and saying, no.","start":1977.4349,"end":1983.755,"sentiment":"neutral","sentiment_score":-0.16438078232433484},{"text":"We need to start reducing the risk level now, but you can still keep that working and growing a bit longer.","start":1983.755,"end":1989.855,"sentiment":"neutral","sentiment_score":-0.016379132512069884},{"text":"And then we just keep reviewing it with you regularly.","start":1990.1549,"end":1992.45,"sentiment":"neutral","sentiment_score":0.11882308572530746},{"text":"And then when you are closer to accessing super, generally in that age 50 to 60 age range, we'll start really starting to be a bit more aggressive and pull things back a little bit, reduce the risk level gradually.","start":1992.69,"end":2003.83,"sentiment":"neutral","sentiment_score":0.0018824290833435952}],"sentiment":"neutral","sentiment_score":-0.03851599411279397,"num_words":103,"start":1973.86,"end":2003.83},{"sentences":[{"text":"So by the time you hit retirement, you're not sitting in high risk, and you haven't done a drastic drop.","start":2004.13,"end":2009.805,"sentiment":"neutral","sentiment_score":-0.0217299560084939},{"text":"We've moved it down gradually.","start":2009.805,"end":2011.265,"sentiment":"neutral","sentiment_score":-0.03165585249662399},{"text":"It stepped you down over time.","start":2011.3251,"end":2013.425,"sentiment":"neutral","sentiment_score":-0.007692504518975814},{"text":"Yeah.","start":2013.5651,"end":2014.0651,"sentiment":"neutral","sentiment_score":0.045381441712379456},{"text":"Then fantastic.","start":2017.165,"end":2018.4651,"sentiment":"positive","sentiment_score":0.7624175548553467}],"sentiment":"neutral","sentiment_score":0.027387739460477057,"num_words":34,"start":2004.13,"end":2018.4651},{"sentences":[{"text":"Excellent.","start":2019.245,"end":2019.745,"sentiment":"positive","sentiment_score":0.6258319616317749},{"text":"So I just wanted to quickly do a risk profile questionnaire as well just to reconfirm that, and that you have sort of said you are comfortable in a high growth environment.","start":2020.86,"end":2028.86,"sentiment":"neutral","sentiment_score":0.16504527418874204},{"text":"But I just had sort of two questions to ask to to sort of gauge how you might react in certain circumstances.","start":2028.86,"end":2035.28,"sentiment":"neutral","sentiment_score":0.005710345015607097},{"text":"If you did see a major market dip in the next sort of one to two years and your portfolio fell by 20%, how do you think you might be feeling?","start":2036.505,"end":2044.8451,"sentiment":"neutral","sentiment_score":-0.03973662018054916},{"text":"Do you think you'd be comfortable?","start":2045.225,"end":2047.0851,"sentiment":"neutral","sentiment_score":-0.030866627891858418}],"sentiment":"neutral","sentiment_score":0.05017253622898589,"num_words":92,"start":2019.245,"end":2047.0851},{"sentences":[{"text":"Maybe an opportunity to invest more money and wanting to put maybe some funds into the investment while it's down.","start":2047.625,"end":2053.26,"sentiment":"neutral","sentiment_score":-0.04326876290142536},{"text":"Do you think you'd be maybe calling us and having a chat, feeling a little bit concerned, or are you very anxious and maybe wanting to sell the investments to cash?","start":2053.48,"end":2061.825,"sentiment":"neutral","sentiment_score":-0.07773982691428354},{"text":"How do you think you might react?","start":2061.9849,"end":2063.605,"sentiment":"neutral","sentiment_score":-0.04062325640448502},{"text":"Yep.","start":2074.385,"end":2074.885,"sentiment":"neutral","sentiment_score":-0.0020745336078107357},{"text":"Mhmm.","start":2075.345,"end":2075.845,"sentiment":"neutral","sentiment_score":0.013146668672561646}],"sentiment":"neutral","sentiment_score":-0.05914334253563235,"num_words":60,"start":2047.625,"end":2075.845},{"sentences":[{"text":"Yep.","start":2084.57,"end":2084.97,"sentiment":"neutral","sentiment_score":0.06307407468557358},{"text":"Yep.","start":2084.97,"end":2085.29,"sentiment":"neutral","sentiment_score":0.11213573068380356},{"text":"Beautiful.","start":2085.29,"end":2085.79,"sentiment":"positive","sentiment_score":0.4151793122291565},{"text":"That's a really good answer.","start":2085.93,"end":2086.97,"sentiment":"positive","sentiment_score":0.46774469017982484},{"text":"I love that.","start":2086.97,"end":2087.87,"sentiment":"positive","sentiment_score":0.5731839934984843}],"sentiment":"positive","sentiment_score":0.4226058680902828,"num_words":11,"start":2084.57,"end":2087.87},{"sentences":[{"text":"When you I'm just going to so I'd sort of say you're feeling more optimistic about the investment opportunities in that sort of instance.","start":2089.05,"end":2096.355,"sentiment":"neutral","sentiment_score":0.20303065391878286},{"text":"Am I right with that answer?","start":2096.355,"end":2097.815,"sentiment":"neutral","sentiment_score":0.07597548142075539},{"text":"Yep.","start":2099.4749,"end":2099.875,"sentiment":"neutral","sentiment_score":0.1068619042634964},{"text":"Beautiful.","start":2099.875,"end":2100.375,"sentiment":"positive","sentiment_score":0.3343111276626587},{"text":"Beautiful.","start":2100.515,"end":2101.015,"sentiment":"neutral","sentiment_score":0.2735562026500702}],"sentiment":"neutral","sentiment_score":0.18313084294398627,"num_words":33,"start":2089.05,"end":2101.015},{"sentences":[{"text":"Have you ever owned shares or managed funds in your own name before?","start":2101.555,"end":2105.575,"sentiment":"neutral","sentiment_score":0.001177134422155527},{"text":"Yep.","start":2110.6802,"end":2111.1802,"sentiment":"neutral","sentiment_score":-0.047245293855667114},{"text":"No.","start":2120.035,"end":2120.2751,"sentiment":"neutral","sentiment_score":-0.09374963492155076},{"text":"That's okay.","start":2120.2751,"end":2120.995,"sentiment":"neutral","sentiment_score":-0.05344795621931553},{"text":"That's absolutely fine.","start":2120.995,"end":2122.2751,"sentiment":"neutral","sentiment_score":0.07727735117077827}],"sentiment":"neutral","sentiment_score":-0.000037802010774612425,"num_words":20,"start":2101.555,"end":2122.2751},{"sentences":[{"text":"So you do own shares in your own name.","start":2122.2751,"end":2124.115,"sentiment":"neutral","sentiment_score":0.028549390120638743},{"text":"Fantastic.","start":2124.115,"end":2124.615,"sentiment":"neutral","sentiment_score":0.2691550552845001},{"text":"And the last question here is, how do you feel about the the idea, sorry, of a of borrowing money from a financial institution in order to invest?","start":2124.915,"end":2133.3,"sentiment":"neutral","sentiment_score":-0.054949504389826744},{"text":"Do you feel like it's too risky?","start":2133.3,"end":2135.2202,"sentiment":"neutral","sentiment_score":-0.1778522634080478},{"text":"You would only do so under advice, you'd be comfortable doing so, or would you only ever wanna borrow from a bank to buy maybe property?","start":2135.2202,"end":2142.76,"sentiment":"neutral","sentiment_score":-0.038554558817010656}],"sentiment":"neutral","sentiment_score":-0.045913675065401574,"num_words":71,"start":2122.2751,"end":2142.76},{"sentences":[{"text":"Where do you think you might fit in that instance?","start":2142.9001,"end":2150.055,"sentiment":"neutral","sentiment_score":-0.07846221290528774},{"text":"Yeah.","start":2150.755,"end":2151.255,"sentiment":"neutral","sentiment_score":0.01156068593263626},{"text":"Mhmm.","start":2159.2349,"end":2159.49,"sentiment":"neutral","sentiment_score":0.06750418245792389},{"text":"Mhmm.","start":2161.33,"end":2161.57,"sentiment":"neutral","sentiment_score":0.07964247465133667},{"text":"Yep.","start":2161.57,"end":2162.07,"sentiment":"neutral","sentiment_score":0.10928835719823836}],"sentiment":"neutral","sentiment_score":-0.03690188777233873,"num_words":14,"start":2142.9001,"end":2162.07},{"sentences":[{"text":"Yep.","start":2164.45,"end":2164.95,"sentiment":"neutral","sentiment_score":0.06535877287387848},{"text":"Yep.","start":2166.53,"end":2167.03,"sentiment":"neutral","sentiment_score":0.10546126961708067},{"text":"Yep.","start":2167.33,"end":2167.83,"sentiment":"neutral","sentiment_score":0.14307361841201782},{"text":"Absolutely.","start":2168.05,"end":2168.55,"sentiment":"neutral","sentiment_score":0.25768595933914185},{"text":"No.","start":2168.93,"end":2169.25,"sentiment":"neutral","sentiment_score":0.2456968128681183}],"sentiment":"neutral","sentiment_score":0.16345528662204742,"num_words":5,"start":2164.45,"end":2169.25},{"sentences":[{"text":"Beautiful.","start":2169.25,"end":2169.75,"sentiment":"positive","sentiment_score":0.5416046380996704},{"text":"Well, you have definitely scored during that high growth environment, and due to your age and stage, I'm happy to keep you there.","start":2170.05,"end":2175.465,"sentiment":"positive","sentiment_score":0.6470886805783147},{"text":"I'll update the advice and do some changes.","start":2176.105,"end":2178.345,"sentiment":"neutral","sentiment_score":0.15900537185370922},{"text":"I have sorta had a look at the investment portfolio and can sort of see that I'd like to switch some of the investments out.","start":2178.345,"end":2184.185,"sentiment":"neutral","sentiment_score":0.026269109472632408},{"text":"So whilst you have got a good return, I can see one or two investors that might be underperforming a little bit and would like to maybe change up your portfolio there as well.","start":2184.185,"end":2193.58,"sentiment":"neutral","sentiment_score":-0.03512593121130896}],"sentiment":"neutral","sentiment_score":0.17757289386661415,"num_words":91,"start":2169.25,"end":2193.58},{"sentences":[{"text":"There are different ways of investing.","start":2194.3599,"end":2196.38,"sentiment":"neutral","sentiment_score":0.024162315142651398},{"text":"So you can have what's called, an actively managed portfolio, which is where you invest in investment managers who are trying to outperform against the market.","start":2196.44,"end":2205.2349,"sentiment":"neutral","sentiment_score":0.042010257593714274},{"text":"You can pay a little bit more to have those sorts of investors in your portfolio.","start":2205.615,"end":2209.555,"sentiment":"neutral","sentiment_score":0.06031637545675039},{"text":"But and, look, there's no guarantees that these investment managers can outperform.","start":2210.815,"end":2214.6748,"sentiment":"neutral","sentiment_score":-0.009017702764443433},{"text":"Some years, they do really well.","start":2214.8948,"end":2216.335,"sentiment":"neutral","sentiment_score":0.07517802094419797}],"sentiment":"neutral","sentiment_score":0.038563004365035645,"num_words":66,"start":2194.3599,"end":2216.335},{"sentences":[{"text":"Others, they don't perform as well.","start":2216.335,"end":2218.2,"sentiment":"neutral","sentiment_score":-0.025053794185320537},{"text":"But then there's also passively managed portfolios, which are tracking the market.","start":2219.24,"end":2223.16,"sentiment":"neutral","sentiment_score":0.09663634685178597},{"text":"Having a few of those is diversifying lower cost.","start":2223.16,"end":2226.04,"sentiment":"neutral","sentiment_score":0.1972204413678911},{"text":"They can still perform much greater.","start":2226.04,"end":2228.38,"sentiment":"neutral","sentiment_score":0.2667736162741979},{"text":"And in certain market conditions, this participating in the market actually does better than having investment managers that are trying to outperform against the market.","start":2228.5999,"end":2232.68,"sentiment":"neutral","sentiment_score":0.1327472710609436}],"sentiment":"neutral","sentiment_score":0.13282104902740183,"num_words":58,"start":2216.335,"end":2232.68},{"sentences":[{"text":"Do you the market.","start":2232.68,"end":2237.255,"sentiment":"neutral","sentiment_score":0.01280933991074562},{"text":"Do you feel like you would like to have a bit more active management in your portfolio with different managers, or would you like to see something a bit more low cost, maybe keep fees lower in your portfolio?","start":2237.395,"end":2248.375,"sentiment":"neutral","sentiment_score":0.07316464357651196},{"text":"What would you like me to sort of see things through?","start":2248.435,"end":2250.89,"sentiment":"neutral","sentiment_score":0.02369208566167138},{"text":"Yep.","start":2256.23,"end":2256.73,"sentiment":"neutral","sentiment_score":0.008950943127274513},{"text":"Yep.","start":2259.43,"end":2259.93,"sentiment":"neutral","sentiment_score":0.02762683294713497}],"sentiment":"neutral","sentiment_score":0.057175878169281144,"num_words":56,"start":2232.68,"end":2259.93},{"sentences":[{"text":"Yep.","start":2264.71,"end":2265.045,"sentiment":"neutral","sentiment_score":0.039280738681554794},{"text":"Are you happy for me just to go back and review some of the investments and just remove some underperforming ones?","start":2265.9248,"end":2271.285,"sentiment":"neutral","sentiment_score":0.11714806931004637},{"text":"Yep.","start":2271.285,"end":2271.785,"sentiment":"neutral","sentiment_score":0.020612414926290512},{"text":"Yep.","start":2272.2449,"end":2272.7449,"sentiment":"neutral","sentiment_score":0.10871325433254242},{"text":"Beautiful.","start":2273.525,"end":2274.025,"sentiment":"positive","sentiment_score":0.47880417108535767}],"sentiment":"neutral","sentiment_score":0.12430080138146878,"num_words":25,"start":2264.71,"end":2274.025},{"sentences":[{"text":"I'll have a look at the portfolios that we have because this is one of the older ones as well.","start":2274.085,"end":2278.2449,"sentiment":"neutral","sentiment_score":0.13869873322546483},{"text":"I'll look at what you've got whether just switching some investments works well or whether maybe switching the entire portfolio tracking forward.","start":2278.2449,"end":2287.68,"sentiment":"neutral","sentiment_score":0.09076816114512357},{"text":"I can keep it in that high growth sort of range for you, and you still wanna see some active management in your portfolio.","start":2288.06,"end":2294.0347,"sentiment":"neutral","sentiment_score":0.14859321558227143},{"text":"Is that right?","start":2294.0347,"end":2295.055,"sentiment":"neutral","sentiment_score":0.0912013053894043},{"text":"Yep.","start":2296.555,"end":2297.055,"sentiment":"neutral","sentiment_score":0.1314807087182999}],"sentiment":"neutral","sentiment_score":0.12488851440804345,"num_words":70,"start":2274.085,"end":2297.055},{"sentences":[{"text":"Beautiful.","start":2297.1948,"end":2297.6948,"sentiment":"positive","sentiment_score":0.4455728530883789},{"text":"Excellent.","start":2298.795,"end":2299.295,"sentiment":"positive","sentiment_score":0.469973087310791},{"text":"And just going through and updating all of your assets and liabilities there at the moment.","start":2300.315,"end":2304.635,"sentiment":"neutral","sentiment_score":0.1419140100479126},{"text":"Now last time we called up, you had some cash in the bank of that 75 Do you still have that cash in the bank?","start":2304.635,"end":2311.1401,"sentiment":"neutral","sentiment_score":0.008730703741312027},{"text":"55?","start":2316.32,"end":2317.2,"sentiment":"neutral","sentiment_score":0.05665070563554764}],"sentiment":"neutral","sentiment_score":0.07866110000759363,"num_words":44,"start":2297.1948,"end":2317.2},{"sentences":[{"text":"Fantastic.","start":2317.2,"end":2317.7,"sentiment":"positive","sentiment_score":0.405118465423584},{"text":"And I'll just add the caravan on here as well.","start":2318.4001,"end":2321.06,"sentiment":"neutral","sentiment_score":0.1773799702525139},{"text":"Beautiful.","start":2322.285,"end":2322.685,"sentiment":"neutral","sentiment_score":0.22711721062660217},{"text":"What value would you put on the caravan there?","start":2322.685,"end":2325.265,"sentiment":"neutral","sentiment_score":0.044294628211193614},{"text":"20,000?","start":2327.7249,"end":2328.625,"sentiment":"neutral","sentiment_score":0.019449621438980103}],"sentiment":"neutral","sentiment_score":0.12836984790522943,"num_words":22,"start":2317.2,"end":2328.625},{"sentences":[{"text":"Fantastic.","start":2328.845,"end":2329.345,"sentiment":"neutral","sentiment_score":0.23085090517997744},{"text":"Lovely.","start":2330.765,"end":2331.2449,"sentiment":"neutral","sentiment_score":0.2413261830806732},{"text":"And that's all earned out right since you used the cash to purchase it?","start":2331.2449,"end":2335.6,"sentiment":"neutral","sentiment_score":0.087645487593753},{"text":"Yep.","start":2336.3801,"end":2336.78,"sentiment":"neutral","sentiment_score":0.08696859329938889},{"text":"Fantastic.","start":2336.78,"end":2337.28,"sentiment":"neutral","sentiment_score":0.29269787669181824}],"sentiment":"neutral","sentiment_score":0.1154933546980222,"num_words":18,"start":2328.845,"end":2337.28},{"sentences":[{"text":"Excellent.","start":2337.82,"end":2338.32,"sentiment":"neutral","sentiment_score":0.2796093821525574},{"text":"I've also got your vehicle, which is a Jeep Grand Cherokee.","start":2338.78,"end":2342.1602,"sentiment":"neutral","sentiment_score":0.0763464356687936},{"text":"Do you still have the same vehicle?","start":2342.22,"end":2344.0,"sentiment":"neutral","sentiment_score":0.019083210666264807},{"text":"Fantastic.","start":2346.86,"end":2347.36,"sentiment":"neutral","sentiment_score":0.1905289888381958},{"text":"Value on that last year was about 30,000.","start":2347.58,"end":2350.065,"sentiment":"neutral","sentiment_score":0.030921144178137183}],"sentiment":"neutral","sentiment_score":0.060389313979872634,"num_words":28,"start":2337.82,"end":2350.065},{"sentences":[{"text":"Would you update or change that value at all?","start":2350.065,"end":2352.565,"sentiment":"neutral","sentiment_score":-0.0017452846384710735},{"text":"Yep.","start":2357.505,"end":2357.9849,"sentiment":"neutral","sentiment_score":0.032809898257255554},{"text":"Absolutely fine.","start":2357.9849,"end":2359.105,"sentiment":"neutral","sentiment_score":0.1672564372420311},{"text":"Beautiful.","start":2359.105,"end":2359.605,"sentiment":"neutral","sentiment_score":0.25752052664756775},{"text":"And then I've got contents and tools, a combined value of 75,000.","start":2360.465,"end":2365.76,"sentiment":"neutral","sentiment_score":0.03241168172098696}],"sentiment":"neutral","sentiment_score":0.039923036731779576,"num_words":25,"start":2350.065,"end":2365.76},{"sentences":[{"text":"Would you keep that about the same or maybe alter that?","start":2365.76,"end":2368.5,"sentiment":"neutral","sentiment_score":-0.007105907509950074},{"text":"The same?","start":2372.1602,"end":2372.6401,"sentiment":"neutral","sentiment_score":-0.012551208958029745},{"text":"Excellent.","start":2372.6401,"end":2373.1401,"sentiment":"neutral","sentiment_score":0.1164816841483116},{"text":"And then your boat with a value of 15,000, would you update or change that at all?","start":2373.4402,"end":2378.815,"sentiment":"neutral","sentiment_score":0.03168917085756274},{"text":"Okay.","start":2381.515,"end":2382.015,"sentiment":"neutral","sentiment_score":0.12116032838821413}],"sentiment":"neutral","sentiment_score":0.021034078643424436,"num_words":32,"start":2365.76,"end":2382.015},{"sentences":[{"text":"Perfect.","start":2382.715,"end":2383.215,"sentiment":"positive","sentiment_score":0.4452978670597077},{"text":"Excellent.","start":2384.155,"end":2384.655,"sentiment":"neutral","sentiment_score":0.28270572423934937},{"text":"And then rent, we had you guys paying about 750 per week.","start":2384.875,"end":2388.63,"sentiment":"neutral","sentiment_score":-0.0028400557736555734},{"text":"Has the rent stayed the same this year?","start":2388.63,"end":2390.8098,"sentiment":"neutral","sentiment_score":-0.013575130957178771},{"text":"$8.10 per week?","start":2394.7898,"end":2396.17,"sentiment":"neutral","sentiment_score":0.029826931655406952}],"sentiment":"neutral","sentiment_score":0.026992106772959233,"num_words":25,"start":2382.715,"end":2396.17},{"sentences":[{"text":"Lovely.","start":2396.3098,"end":2396.71,"sentiment":"positive","sentiment_score":0.6083539724349976},{"text":"Thank you for updating that.","start":2396.71,"end":2397.99,"sentiment":"positive","sentiment_score":0.6840607285499573},{"text":"Appreciate it.","start":2397.99,"end":2398.97,"sentiment":"positive","sentiment_score":0.6271769106388092},{"text":"Medium medium term goals I have down here that you're wanting to purchase property generally around the next sort of twenty four months then.","start":2399.91,"end":2407.705,"sentiment":"neutral","sentiment_score":0.16115886128197113},{"text":"I also had it down the ridge in that moving forward, you would like to build more of a property portfolio towards your time and as well.","start":2408.405,"end":2414.6099,"sentiment":"neutral","sentiment_score":0.15606191588772667}],"sentiment":"neutral","sentiment_score":0.2265168785796327,"num_words":59,"start":2396.3098,"end":2414.6099},{"sentences":[{"text":"Is that still one of your goals, or are you happy with just being able to purchase your main primary residence and move your family in there in the next couple of years?","start":2414.6099,"end":2422.21,"sentiment":"neutral","sentiment_score":0.13952269597035466},{"text":"What sort of other property goals do you have?","start":2422.21,"end":2424.7898,"sentiment":"neutral","sentiment_score":0.025121447319785755},{"text":"Yep.","start":2431.985,"end":2432.485,"sentiment":"neutral","sentiment_score":0.02878730744123459},{"text":"Yep.","start":2433.425,"end":2433.925,"sentiment":"neutral","sentiment_score":0.05735855922102928},{"text":"So buy investment properties to hold as an estate planning sort of thing for generational wealth.","start":2435.585,"end":2442.01,"sentiment":"neutral","sentiment_score":0.08614115952514112}],"sentiment":"neutral","sentiment_score":0.10491244019940496,"num_words":60,"start":2414.6099,"end":2442.01},{"sentences":[{"text":"For each of the kids.","start":2443.67,"end":2445.05,"sentiment":"neutral","sentiment_score":0.04916384816169739},{"text":"For each of the kids to build generational wealth.","start":2446.6301,"end":2449.53,"sentiment":"neutral","sentiment_score":0.09079833494292365},{"text":"Very good.","start":2449.75,"end":2450.65,"sentiment":"positive","sentiment_score":0.4735507518053055},{"text":"Excellent.","start":2451.9849,"end":2452.305,"sentiment":"positive","sentiment_score":0.5497132539749146},{"text":"Fantastic.","start":2452.305,"end":2452.805,"sentiment":"positive","sentiment_score":0.5929587483406067}],"sentiment":"neutral","sentiment_score":0.17515432006782955,"num_words":18,"start":2443.67,"end":2452.805},{"sentences":[{"text":"I've got down here with regard to your super that you were hoping to be able to access that and hopefully retire around about age 60.","start":2453.7449,"end":2460.385,"sentiment":"neutral","sentiment_score":0.2768959357188298},{"text":"Is that still our goal?","start":2460.385,"end":2461.345,"sentiment":"neutral","sentiment_score":0.15578787177801132},{"text":"We wanna retire as soon as we possibly can.","start":2461.345,"end":2463.845,"sentiment":"neutral","sentiment_score":0.18943493647707832},{"text":"Yep.","start":2466.305,"end":2466.785,"sentiment":"neutral","sentiment_score":0.212349534034729},{"text":"Beautiful.","start":2466.785,"end":2467.285,"sentiment":"positive","sentiment_score":0.46378129720687866}],"sentiment":"neutral","sentiment_score":0.246649498740832,"num_words":42,"start":2453.7449,"end":2467.285},{"sentences":[{"text":"Excellent.","start":2467.66,"end":2468.16,"sentiment":"positive","sentiment_score":0.39544421434402466},{"text":"Yeah.","start":2470.62,"end":2471.12,"sentiment":"neutral","sentiment_score":0.20009058713912964},{"text":"I've got down here that with your direct your personal shares in Comsector that you were wanting to put additional funds into that down the track.","start":2471.66,"end":2478.86,"sentiment":"neutral","sentiment_score":0.1398415548297075},{"text":"Are you wanting to build that investment portfolio, or you're sort of more open to investing in other areas?","start":2478.86,"end":2484.455,"sentiment":"neutral","sentiment_score":0.1077289428365858},{"text":"Yep.","start":2494.8352,"end":2495.3352,"sentiment":"neutral","sentiment_score":0.14718514680862427}],"sentiment":"neutral","sentiment_score":0.13386354766165218,"num_words":48,"start":2467.66,"end":2495.3352},{"sentences":[{"text":"Beautiful.","start":2495.475,"end":2495.975,"sentiment":"positive","sentiment_score":0.4171114563941955},{"text":"Lovely.","start":2496.915,"end":2497.415,"sentiment":"positive","sentiment_score":0.3630199134349823},{"text":"And then I've got down here that in the event of passing, you want all the super and your life proceeds to be passed to your wife, Angela.","start":2498.45,"end":2505.2698,"sentiment":"neutral","sentiment_score":0.2516646065882274},{"text":"That's still appropriate and accurate.","start":2505.41,"end":2507.2698,"sentiment":"neutral","sentiment_score":0.2941743642091751},{"text":"Lovely.","start":2507.49,"end":2507.99,"sentiment":"neutral","sentiment_score":0.31491619348526}],"sentiment":"neutral","sentiment_score":0.26701467691196334,"num_words":36,"start":2495.475,"end":2507.99},{"sentences":[{"text":"I've also just double checked your beneficiary nomination on hub 24 there as well and noted that it is a 100% to Angela.","start":2509.01,"end":2516.5251,"sentiment":"positive","sentiment_score":0.34278202056884766},{"text":"You've got a binding non lapsing nomination, which is good.","start":2516.745,"end":2519.3052,"sentiment":"positive","sentiment_score":0.6076041698455811},{"text":"It means that you've found the trustee to follow your direction, and non lapsing means you don't have to keep filling out that form on a regular basis.","start":2519.3052,"end":2526.54,"sentiment":"positive","sentiment_score":0.40908112643020494},{"text":"We will just double check that with you every year to make sure it's still appropriate.","start":2526.54,"end":2530.1401,"sentiment":"neutral","sentiment_score":0.19350630976259708},{"text":"If at any point you want that changed, we can have it updated for you.","start":2530.1401,"end":2533.58,"sentiment":"neutral","sentiment_score":0.19041170279184977}],"sentiment":"positive","sentiment_score":0.3409410457572211,"num_words":92,"start":2509.01,"end":2533.58},{"sentences":[{"text":"Okay?","start":2533.58,"end":2534.08,"sentiment":"neutral","sentiment_score":0.07729838788509369},{"text":"Excellent.","start":2536.06,"end":2536.56,"sentiment":"positive","sentiment_score":0.6259443759918213},{"text":"All good.","start":2536.78,"end":2537.52,"sentiment":"positive","sentiment_score":0.5108551234006882},{"text":"Also noted here, you don't have a will and power of attorney or haven't in the past.","start":2538.46,"end":2543.465,"sentiment":"neutral","sentiment_score":0.004869848476065432},{"text":"Have you ever drawn up a will, power of attorney, or have you and your wife ever spoken about doing these documents with a a lawyer?","start":2543.845,"end":2550.425,"sentiment":"neutral","sentiment_score":-0.0076817224661891274}],"sentiment":"neutral","sentiment_score":0.034213098950010346,"num_words":47,"start":2533.58,"end":2550.425},{"sentences":[{"text":"Not done yet.","start":2555.8699,"end":2556.75,"sentiment":"neutral","sentiment_score":-0.08601745714743932},{"text":"That's okay.","start":2556.75,"end":2557.47,"sentiment":"neutral","sentiment_score":0.03469638340175152},{"text":"I can also scope in the estate planning side to your super if you like just to recommend that you do do so.","start":2557.47,"end":2563.5698,"sentiment":"neutral","sentiment_score":0.07221286468531775},{"text":"We can refer you to a solicitor and provide some additional information on how how to get those done to help you guys out as well.","start":2563.79,"end":2571.165,"sentiment":"neutral","sentiment_score":0.0879834251335034},{"text":"Excellent.","start":2571.5452,"end":2572.0452,"sentiment":"neutral","sentiment_score":0.28543221950531006}],"sentiment":"neutral","sentiment_score":0.07354977374727076,"num_words":55,"start":2555.8699,"end":2572.0452},{"sentences":[{"text":"Lovely.","start":2573.465,"end":2573.965,"sentiment":"positive","sentiment_score":0.4482077360153198},{"text":"Now it has been your last pre assessment was actually done up in late twenty twenty four.","start":2574.905,"end":2580.425,"sentiment":"neutral","sentiment_score":0.1899064244592891},{"text":"I like to do a new pre assessment with you if possible just so when I'm doing research with the insurance providers, I can really look at what contracts might be on offer, especially with your Occhiopation just making sure, you know, we can get the best possible outcome for you.","start":2580.425,"end":2595.525,"sentiment":"neutral","sentiment_score":0.2541257286188649},{"text":"Is there a day maybe this week or next week that I could get one of my admin team to give you a call?","start":2595.525,"end":2601.045,"sentiment":"neutral","sentiment_score":0.04119693456838528},{"text":"I know afternoons tend to work better, and just go through a quick five minute pre assessment with you.","start":2601.045,"end":2607.06,"sentiment":"neutral","sentiment_score":0.04156305827200413}],"sentiment":"neutral","sentiment_score":0.1644236932874524,"num_words":112,"start":2573.465,"end":2607.06},{"sentences":[{"text":"Good.","start":2612.98,"end":2613.48,"sentiment":"neutral","sentiment_score":-0.05951814353466034},{"text":"No.","start":2614.26,"end":2614.5,"sentiment":"neutral","sentiment_score":-0.19116558134555817},{"text":"That's okay.","start":2614.5,"end":2615.4001,"sentiment":"neutral","sentiment_score":-0.1887977495789528},{"text":"Okay.","start":2618.98,"end":2619.225,"sentiment":"neutral","sentiment_score":-0.030313704162836075},{"text":"Yeah.","start":2623.3052,"end":2623.625,"sentiment":"neutral","sentiment_score":0.031057102605700493}],"sentiment":"neutral","sentiment_score":-0.1045893042658766,"num_words":6,"start":2612.98,"end":2623.625},{"sentences":[{"text":"I can do that.","start":2623.625,"end":2624.425,"sentiment":"neutral","sentiment_score":0.04057658091187477},{"text":"Not a problem at all.","start":2624.425,"end":2625.945,"sentiment":"neutral","sentiment_score":0.13534660935401915},{"text":"So next Monday, I could do sort of four, 04:30, 5PM.","start":2625.945,"end":2630.8252,"sentiment":"neutral","sentiment_score":0.048262926495888016},{"text":"What would be better for you, do you think?","start":2630.8252,"end":2632.78,"sentiment":"neutral","sentiment_score":0.05435981021987067},{"text":"04:30?","start":2635.32,"end":2635.96,"sentiment":"neutral","sentiment_score":0.016412286087870598}],"sentiment":"neutral","sentiment_score":0.06251940466463565,"num_words":30,"start":2623.625,"end":2635.96},{"sentences":[{"text":"Yeah.","start":2635.96,"end":2636.2,"sentiment":"neutral","sentiment_score":0.1069478914141655},{"text":"Not a problem.","start":2636.2,"end":2636.84,"sentiment":"neutral","sentiment_score":0.2569389243920644},{"text":"I'll add a little text message reminder on there for you just so it sends you a message to let you know we'll be calling, and my admin team will run through a quick pre assessment with you, get the information that they need, and then I can complete the research on things.","start":2636.84,"end":2649.4849,"sentiment":"neutral","sentiment_score":0.19694549744983889},{"text":"Okay?","start":2649.4849,"end":2649.9849,"sentiment":"neutral","sentiment_score":0.11763821542263032},{"text":"Beautiful.","start":2651.4849,"end":2651.9849,"sentiment":"positive","sentiment_score":0.7403472661972046}],"sentiment":"neutral","sentiment_score":0.20633663578053651,"num_words":59,"start":2635.96,"end":2651.9849},{"sentences":[{"text":"Now the only other thing to let you know is the signing section of that document you've received, that is essentially the ongoing service agreement.","start":2652.2048,"end":2660.22,"sentiment":"neutral","sentiment_score":0.10202133059501647},{"text":"Now previously, we've had a set fee structure where it was 1.65%.","start":2660.28,"end":2665.1,"sentiment":"neutral","sentiment_score":0.004751079754593472},{"text":"That is the yearly percentage of our service fees, and then the fee is deducted in smaller monthly increments.","start":2665.6401,"end":2671.34,"sentiment":"neutral","sentiment_score":0.02070335088003623},{"text":"We have recently had to update and change our ongoing service fee, which is now gonna be a tiered structure, a bit like the tax bracket.","start":2671.8,"end":2679.4548,"sentiment":"neutral","sentiment_score":-0.0019285104309137051},{"text":"So, essentially, with your balance being from 0 to 200,000, our percentage is 1.65%.","start":2679.4548,"end":2686.915,"sentiment":"neutral","sentiment_score":0.0260572809992092}],"sentiment":"neutral","sentiment_score":0.03453719324412911,"num_words":96,"start":2652.2048,"end":2686.915},{"sentences":[{"text":"And then once your balance hits 200,000 to 500,000, for the balance over 200,000, the ongoing service fee percentage drops, to 1.375.","start":2687.2148,"end":2699.2598,"sentiment":"neutral","sentiment_score":0.0019275676723654296},{"text":"Once your super balance hits over that 500,000 mark, then you go into the next tier.","start":2699.4,"end":2704.935,"sentiment":"neutral","sentiment_score":0.04194544319761917},{"text":"It's essentially just making sure that as your super balance grows, that the the percentage of the ongoing service fee decreases a little bit.","start":2705.395,"end":2713.495,"sentiment":"neutral","sentiment_score":0.029461671753476065},{"text":"It does mean that, obviously, you are paying each individual tier.","start":2713.635,"end":2718.3398,"sentiment":"neutral","sentiment_score":-0.005163204263557087},{"text":"We've had to kind of update things because the cost of advice has updated.","start":2718.48,"end":2722.42,"sentiment":"neutral","sentiment_score":-0.03770237136632204}],"sentiment":"neutral","sentiment_score":0.00960902593114638,"num_words":87,"start":2687.2148,"end":2722.42},{"sentences":[{"text":"There's been a lot of changes in legislation in what we have to do, and there's a lot of work around the advice that we do research.","start":2723.2798,"end":2731.7449,"sentiment":"neutral","sentiment_score":-0.03792894873078222},{"text":"The the team members involved in drawing up the advice documents, the presentation, and then the implementation side of things.","start":2731.885,"end":2737.825,"sentiment":"neutral","sentiment_score":0.04846187308430672},{"text":"And we don't charge any implementation fees for our advice as well.","start":2738.2048,"end":2741.645,"sentiment":"neutral","sentiment_score":0.05730120651423931},{"text":"You're an ongoing client, so we just charge the ongoing service fee.","start":2741.645,"end":2745.0,"sentiment":"neutral","sentiment_score":0.0738462343191107},{"text":"If you are able to click on that sign button for me, I can take you through and show you essentially what the fee is for the year because it works out to be we work it out as a dollar fee based on the tiered structure.","start":2745.8,"end":2759.66,"sentiment":"neutral","sentiment_score":0.06520684229883741}],"sentiment":"neutral","sentiment_score":0.03884446376271672,"num_words":118,"start":2723.2798,"end":2759.66},{"sentences":[{"text":"So that document based on your balance will essentially charge the ongoing service fee for the year as a dollar figure of $3,241.01.","start":2760.135,"end":2770.955,"sentiment":"neutral","sentiment_score":0.04405142958073512},{"text":"Okay?","start":2771.895,"end":2772.395,"sentiment":"neutral","sentiment_score":0.02207198739051819},{"text":"That's 1¢.","start":2772.455,"end":2774.935,"sentiment":"neutral","sentiment_score":0.036767736077308655},{"text":"Correct.","start":2774.935,"end":2775.415,"sentiment":"neutral","sentiment_score":0.06276100128889084},{"text":"Correct.","start":2775.415,"end":2775.87,"sentiment":"neutral","sentiment_score":0.058538902550935745}],"sentiment":"neutral","sentiment_score":0.04419712991350227,"num_words":28,"start":2760.135,"end":2775.87},{"sentences":[{"text":"Can't forget that for the one cent.","start":2775.87,"end":2777.8901,"sentiment":"neutral","sentiment_score":0.04121599665709904},{"text":"That's it.","start":2778.6702,"end":2779.4902,"sentiment":"neutral","sentiment_score":0.08457220159471035},{"text":"I've I've also attached this financial services guide for you, so you're welcome to run your eyes over that, have a look at how the tiered structure works.","start":2779.6301,"end":2787.09,"sentiment":"neutral","sentiment_score":0.10918365365692548},{"text":"Previous, our ongoing service fee was at 1.65%, and it stayed 1.65% essentially no matter what your balance was.","start":2787.2302,"end":2795.275,"sentiment":"neutral","sentiment_score":-0.006540039848340185},{"text":"It just stated the same.","start":2795.275,"end":2796.4749,"sentiment":"neutral","sentiment_score":0.030942269042134284}],"sentiment":"neutral","sentiment_score":0.058118840496315334,"num_words":61,"start":2775.87,"end":2796.4749},{"sentences":[{"text":"So this with the tiered structure means that as your balance increases, you do move into the next tier and the that tier the percentage of that tier drops a little bit for you.","start":2796.4749,"end":2806.61,"sentiment":"neutral","sentiment_score":0.0428241731818108},{"text":"So it does mean that overall, you know, the fees might be slightly higher than where they were initially.","start":2806.61,"end":2812.31,"sentiment":"neutral","sentiment_score":-0.0161274306868252},{"text":"We don't no longer cap them at 600,000.","start":2812.9302,"end":2815.25,"sentiment":"neutral","sentiment_score":-0.04741093935444951},{"text":"We keep them going to 2,000,000, but that making sure things are working harder for you as well.","start":2815.25,"end":2819.895,"sentiment":"neutral","sentiment_score":-0.022741257006095514},{"text":"And that's only charged at the hub twenty four.","start":2819.975,"end":2822.295,"sentiment":"neutral","sentiment_score":0.020942772169493966}],"sentiment":"neutral","sentiment_score":0.006243812655818395,"num_words":88,"start":2796.4749,"end":2822.295},{"sentences":[{"text":"So we don't charge any set ongoing service fees for holding or looking after c bus or bus queue.","start":2822.295,"end":2828.075,"sentiment":"neutral","sentiment_score":0.014807721403868575},{"text":"That's all done as part of our advice, as part of our services and invest interest to you.","start":2828.215,"end":2832.615,"sentiment":"neutral","sentiment_score":0.11003700726562077},{"text":"It's only on the balance in hub twenty four that is affected by the ongoing service fee.","start":2832.615,"end":2837.19,"sentiment":"neutral","sentiment_score":-0.004276849877308397},{"text":"Does that make sense?","start":2837.19,"end":2838.07,"sentiment":"neutral","sentiment_score":0.033728595823049545},{"text":"Do you have any questions?","start":2838.07,"end":2839.27,"sentiment":"neutral","sentiment_score":0.03973731808364391}],"sentiment":"neutral","sentiment_score":0.04004614862302939,"num_words":63,"start":2822.295,"end":2839.27},{"sentences":[{"text":"You're welcome to let me know if you do.","start":2839.27,"end":2841.05,"sentiment":"neutral","sentiment_score":0.17180255386564466},{"text":"Excellent.","start":2847.095,"end":2847.595,"sentiment":"positive","sentiment_score":0.379553735256195},{"text":"You're a legend.","start":2849.335,"end":2850.135,"sentiment":"positive","sentiment_score":0.48776519298553467},{"text":"Thank you so much for that.","start":2850.135,"end":2851.575,"sentiment":"positive","sentiment_score":0.7148835559686025},{"text":"I appreciate it.","start":2851.575,"end":2852.535,"sentiment":"positive","sentiment_score":0.6845849355061849}],"sentiment":"positive","sentiment_score":0.4423694746060805,"num_words":22,"start":2839.27,"end":2852.535},{"sentences":[{"text":"I appreciate taking my call.","start":2852.535,"end":2853.8948,"sentiment":"positive","sentiment_score":0.5815772414207458},{"text":"I will let you go so you can enjoy your day.","start":2853.8948,"end":2856.055,"sentiment":"positive","sentiment_score":0.4919877621260556},{"text":"I've booked in your pre assessment for Monday, and I've added a text message reminder there for you as well.","start":2856.055,"end":2861.4102,"sentiment":"neutral","sentiment_score":0.21950637474656104},{"text":"So we'll send you a message an hour prior to remind you that we're calling.","start":2861.4102,"end":2865.35,"sentiment":"neutral","sentiment_score":0.11662088384230931},{"text":"My team member, Samantha, will be the one to give you a call.","start":2865.8901,"end":2868.61,"sentiment":"positive","sentiment_score":0.4724828532108894}],"sentiment":"neutral","sentiment_score":0.32189795991871506,"num_words":64,"start":2852.535,"end":2868.61},{"sentences":[{"text":"She's fantastic.","start":2868.61,"end":2869.43,"sentiment":"positive","sentiment_score":0.834492027759552},{"text":"These pre assessments will make it nice and easy on you.","start":2869.57,"end":2872.61,"sentiment":"positive","sentiment_score":0.7527531602165916},{"text":"Okay.","start":2872.61,"end":2873.11,"sentiment":"neutral","sentiment_score":0.22548359632492063},{"text":"Fantastic.","start":2875.1702,"end":2875.6702,"sentiment":"positive","sentiment_score":0.7345138788223267},{"text":"Fantastic.","start":2876.345,"end":2876.585,"sentiment":"positive","sentiment_score":0.7312073707580566}],"sentiment":"positive","sentiment_score":0.7275296039879322,"num_words":16,"start":2868.61,"end":2876.585},{"sentences":[{"text":"My pleasure, Ryan.","start":2876.585,"end":2877.385,"sentiment":"positive","sentiment_score":0.6610823671023051},{"text":"I'll get stuck into the research, and I'll get once Samantha has done the pre assessment with her I'll with you.","start":2877.385,"end":2883.385,"sentiment":"positive","sentiment_score":0.35349162774426596},{"text":"Sorry.","start":2883.385,"end":2883.785,"sentiment":"neutral","sentiment_score":-0.07114171981811523},{"text":"I'll get her to rebook in your advice presentation in a couple of weeks' time.","start":2883.785,"end":2887.98,"sentiment":"neutral","sentiment_score":0.046088185906410215},{"text":"Okay?","start":2890.38,"end":2890.54,"sentiment":"neutral","sentiment_score":0.3202899098396301}],"sentiment":"neutral","sentiment_score":0.2523668844525407,"num_words":41,"start":2876.585,"end":2890.54},{"sentences":[{"text":"Appreciate it.","start":2890.54,"end":2891.1,"sentiment":"positive","sentiment_score":0.638512134552002},{"text":"Thank you for your time.","start":2891.1,"end":2891.82,"sentiment":"positive","sentiment_score":0.6507169485092164},{"text":"Have a good day.","start":2891.82,"end":2892.54,"sentiment":"positive","sentiment_score":0.481906957924366},{"text":"Don't work too hard.","start":2892.54,"end":2893.58,"sentiment":"neutral","sentiment_score":-0.11274843290448189},{"text":"No worries.","start":2893.58,"end":2894.32,"sentiment":"neutral","sentiment_score":-0.06137958727777004}],"sentiment":"positive","sentiment_score":0.3461461139514166,"num_words":17,"start":2890.54,"end":2894.32},{"sentences":[{"text":"See you later.","start":2894.54,"end":2895.28,"sentiment":"neutral","sentiment_score":0.0006071217358112341},{"text":"See you later.","start":2897.42,"end":2898.24,"sentiment":"neutral","sentiment_score":0.06726582845052083}],"sentiment":"neutral","sentiment_score":0.03393647509316603,"num_words":6,"start":2894.54,"end":2898.24}]}}]},{"alternatives":[{"transcript":"For your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Ryan speaking. I'm good this morning. Thank you. How are you? Yes. Yep. It is. Yep. That's fine. Yeah. Ryan Adams Stewart. 6 Of The 4th 80 '2. Address is 9 Kerry Court, Coomera. Okay. Mhmm. Yep. Actually, so I reviewed it and signed it. Yeah. I'll see if I can pull it up as well. I'm just really useless. I'm really useless with, like, admin, to be honest. Yeah. Oh, okay. Alright. I'm not sure what I was thinking then. Yeah. Okay. Yep. I've got one here. So I didn't able to sign that one. Yeah. Yep. Click on that one. Yep. Okay. So Cheers. Yeah. Yeah. Yep. Yep. I've got it there. So, yeah, the hub 20 4 187. Yep. Yeah. For sure. I mean, the reason that c bus one is still open is because they offer extra benefits within the construction industry and and different insurances which BusQ doesn't offer. So that was when I first changed over to BusQ, that was sort of, yeah, the the advice was to keep that one open because of those certain insurances. So I am covered. I've got a little bit of extra cover if I was to get injured at work. So I don't know if that's worth still keeping that open or if we, yeah, like you say, can consolidate it for less fees. Yeah. That's right. Yeah. I I understand. Yeah. It does. Yeah. Okay. Yes. Well, it'd be going to to my wife. Yep. That's it. It'll all be going to her, and then, obviously, she will yeah. The kids the kids are too young to to receive any sort of money at the moment, but she would also make sure that they were looked after in in the future if that was to happen. So a 100% of it would would go to to her. Well, yeah, so we don't currently have a mortgage or anything like that. And we're actually yeah. So we're completely debt free. We don't have car loans, credit cards, mortgage, anything like that. And she also does work part time earning she earns maybe about $3.50 a week just working from home at at the moment. I probably wanna wanna give her a couple of years at least just to figure, yeah, figure figure life out again with without me. It's obviously would be a massive Yeah. Yeah. A massive thing if it wants to happen. I've lost a thing with I just had my group certificate come through recently, and I think it it had gone up to about a 150. That's obviously before tax, so gross income was, yeah, I think, around a 150. I think that's probably pretty good. Yeah. I think yeah. They could cover it for for four. Just over four years, I think that would be enough time for her to sort her shit out. Yeah. Yeah. So kids are the daughter would be she'll be five in in about six weeks, and then the son's about just over two and a half. Yeah. Yeah. Definitely. For for our current situation, yes. Obviously, down the track if we because we are looking at buying a property at some stage if of if we were to get a mortgage, you know, I'd have to reassess to make sure that that would be covered. But as the current situation, yeah, comfortable currently. Yeah. It's probably more of a medium. We're just sort of trying to get the kids off to well, they'll get one of the kids off to school so Ange can get back to work in more full full time capacity. So it's at least probably, I'd say, more likely twenty four months away. Yep. Yeah. Cool. Yep. Exactly the same. Exactly the same, but probably just just more of it. Because, yeah, we're we're extremely busy at the moment. So, yeah, just that same same role, same responsibilities, just, yeah, a hell of a lot more of it. That's fine. Okay. Well, so well, you guys are both based in the Gold Coast, aren't you? Yeah. So you see all those big tower cranes up in the air building all these apartment buildings? I'm the one putting in the big concrete precast elements on those on those buildings. I'm I'm not I'm not yeah. I'm not in the cab of the crane, but I'm telling the guy in the cab of the crane what to do and where to put these concrete elements. And yeah. So, yeah, we we yeah. We installed concrete precast, which involves, obviously, the installation side of it, but then there's a lot of physical elements to it with the propping propping systems that we have to use and and structural grouting and and all that. So it's a very physical job as well in that sense. Well, as the building progresses up, we're also we're going up with it because what we are doing is part of the structural the the structure of the project. So we put the walls up essentially, and then you have concrete poured over top of that, and we come on to the next level, put put more walls up, pour more concrete, and so on and so forth until we we top out at whatever level the building's going to. Yeah. It's fine. Yeah. I get it I get it all the time. It's like, what do you do? And I tell them, and they're like, what? You know? I think we would need to look at a little something a bit more than yeah. Two years isn't really gonna be enough. Probably, let's say, probably, like, five years worth of color. Bloody, this government and their taxes really screws everyone, doesn't it? Yeah. Yeah. It's just another money grab. I'll look at let's just go on on the gross. Yeah. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Yeah. Yes. I am. I think I've got a pretty yeah. A pretty good understanding of it. Yeah. I'll say it's been for, like, the preference would be something that can be paid within my super, and, obviously, the best best possible cover would be my sort of my request down with that one. Yeah. There is so my boss pays into another separate fund. I think it's called CIP, which is another income protection insurance thing, and that's through the through the union. And then I've also also got another one which he pays into, which is called the Birch Fund, and that's more of like a redundancy type payment. If I was to be made redundant from my job, there'd be a, yeah, a payment made out of out of that. No. I oh, that's one I haven't looked into. I might just do a bit more research on the CIP side of things first and just sort of see what what level of cover they've got in there. And then if if I find it's it's not enough, I guess I could just touch base with you guys again and look at something someone else, a little bit of better added extra stuff. Yeah. Okay. It's all good. Yeah. Yep. That sounds great. No. Wow. I'm putting not at this stage. I think I'll I'll leave the trauma one for now. Yeah. Pretty pretty good at the moment. Generally, yeah, can sort of be saving a minimum of 200 a week. Yeah. At a minimum. Some some weeks, it's a bit more. I don't actually know. I'll I'll I'll have to ask a question. Obviously, I need to keep the bus queue because of the because I work for the union in in in Queensland at Bayard. So that's the central. I have to keep that one open, and that's what they pay into. With the c bus one, I mean, like yeah. If I mean, I'm happy to probably close that one or or consolidate it into the hub 24 or something as long as I've got those same sort of benefits. Yeah. Yeah. At that same sort of levels, I'll be happy to, yeah, consolidate that that save us and just get rid of that one. Yeah. I think it yeah. Yeah. It did. Just give us a breakdown of of what that would require, like, payment wise and nothing else. So, yeah, make it more of an educated thing from that. Mhmm. Yep. Okay. Yep. I was having a little look at you, the little grass this morning in regards to that. Yep. Mhmm. Okay. Okay. So is that and that's with no contributions. Okay. Yeah. I'm with regards to yeah. Okay. Oh, I got a text. Mhmm. Yeah. And that's odd. Yeah. And I'm and I'm comfortable with it being more high risk because it with my current position, current age and stuff. And I think last time, we spoke maybe yeah. As we get older and slowing down and stuff, we'll probably reduce the risk. But I think at the moment, yeah, higher higher risk, but a higher reward is is, yeah, the time timing now. Oh, wait. Right? Yeah. Mhmm. Yeah. Yeah. Yeah. Yeah. No. That sounds good. I'm comfortable with with that game plan. Again, if it was in a couple of years, I know I've got time for it to bounce back. So I'd probably be looking at maybe buying some while they're low on the hope or provider that it's gonna come back up and then should should actually, in the long term, create more wealth. Yes. Yep. Mhmm. I've got some shares through Comsec that I've chucked, like, a $100 and do, like, four years ago, and it's sitting at, like, a 150. I literally do not do anything with it. It's just it's here. I don't know. Because, yeah, we've worked really hard to become debt free. So I really not don't like the idea of debt, but in saying that if it was under under advised, then I would definitely consider it. Yes. If everything so the yeah. If it was to, yeah, line up. Mhmm. Okay. I mean, I'm sort of happy with with how it's performing at the moment. Like, you know, as you said, it's between that sort of 810% range. Yeah. I think at the moment, just sort of keep it keep it as it is. That's oh, yes. Yeah. Yeah. Def yeah. Yeah. Yeah. Definitely do that. Yeah. Yeah. We bought a caravan, so it's back down to it's about 55 now. Yes. I got 20. Yep. $20. Yep. Correct. Yeah. So, yeah, still got that. It's probably dropped to be fair. It's probably around about 25 now. No. That's that that's still around about the same. Oh, I actually solved that. Yep. So It's gone up to $8,810 per week now. Okay. All good. Mhmm. Yeah. Probably still, yeah, still wanna have those sort of property goals essentially because they only have something for the kids or leave leave the kids. Yeah. Yep. That's well, that sounds really Twiddox. I'd love to. Yes. I haven't yet. I've seen with the with COM six thing. I just haven't even looked at it, but, yeah, maybe look into in into other areas. Mhmm. Yep. Still accurate. Oh, yeah. Okay. It's the one. We're yeah. We've definitely had the the conversations, but that's as far as it's gone so far. Yeah. Okay. Cool. Alright. Sounds good. Mhmm. Yes. Yep. Yeah. That's it. Yeah. It's part of my that's why I'm just here. It's too hard with the job. But you had no idea what's on what I've got on on a daily basis. But, yeah, we'll just go for I don't know. Should we go for Monday afternoon? Next Monday. We got 04:30, please. Okay. Yep. Alright. Great. Mhmm. Mhmm. Okay. Yep. Gotta get that one sent in there. Gotta get that one sent. Make a big difference. Yeah. Okay. That's fine. Yes. Yep. No. No. That's it. So all all getting through. Still working. Then, yeah, just just sign that form for you as well. All good. Perfect. Mhmm. Alright. It sounds sounds good at all. Thanks very much for the call. Yep. Alright. Sounds good. Okay. Thank you. You too. Alright. I'll I'll try not to. Okay. Bye bye. 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your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Ryan speaking. I'm good this morning.\n\nThank you. How are you? Yes. Yep. It is.\n\nYep. That's fine. Yeah. Ryan Adams Stewart. 6 Of The 4th 80 '2.\n\nAddress is 9 Kerry Court, Coomera. Okay. Mhmm. Yep. Actually, so I reviewed it and signed it.\n\nYeah. I'll see if I can pull it up as well. I'm just really useless. I'm really useless with, like, admin, to be honest. Yeah.\n\nOh, okay. Alright. I'm not sure what I was thinking then. Yeah. Okay.\n\nYep. I've got one here. So I didn't able to sign that one. Yeah. Yep.\n\nClick on that one. Yep. Okay. So Cheers. Yeah.\n\nYeah. Yep. Yep. I've got it there. So, yeah, the hub 20 4 187.\n\nYep. Yeah. For sure. I mean, the reason that c bus one is still open is because they offer extra benefits within the construction industry and and different insurances which BusQ doesn't offer. So that was when I first changed over to BusQ, that was sort of, yeah, the the advice was to keep that one open because of those certain insurances.\n\nSo I am covered. I've got a little bit of extra cover if I was to get injured at work. So I don't know if that's worth still keeping that open or if we, yeah, like you say, can consolidate it for less fees. Yeah. That's right.\n\nYeah. I I understand. Yeah. It does. Yeah.\n\nOkay. Yes. Well, it'd be going to to my wife. Yep. That's it.\n\nIt'll all be going to her, and then, obviously, she will yeah. The kids the kids are too young to to receive any sort of money at the moment, but she would also make sure that they were looked after in in the future if that was to happen. So a 100% of it would would go to to her. Well, yeah, so we don't currently have a mortgage or anything like that. And we're actually yeah.\n\nSo we're completely debt free. We don't have car loans, credit cards, mortgage, anything like that. And she also does work part time earning she earns maybe about $3.50 a week just working from home at at the moment. I probably wanna wanna give her a couple of years at least just to figure, yeah, figure figure life out again with without me. It's obviously would be a massive Yeah.\n\nYeah. A massive thing if it wants to happen. I've lost a thing with I just had my group certificate come through recently, and I think it it had gone up to about a 150. That's obviously before tax, so gross income was, yeah, I think, around a 150. I think that's probably pretty good.\n\nYeah. I think yeah. They could cover it for for four. Just over four years, I think that would be enough time for her to sort her shit out. Yeah.\n\nYeah. So kids are the daughter would be she'll be five in in about six weeks, and then the son's about just over two and a half. Yeah. Yeah. Definitely.\n\nFor for our current situation, yes. Obviously, down the track if we because we are looking at buying a property at some stage if of if we were to get a mortgage, you know, I'd have to reassess to make sure that that would be covered. But as the current situation, yeah, comfortable currently. Yeah. It's probably more of a medium.\n\nWe're just sort of trying to get the kids off to well, they'll get one of the kids off to school so Ange can get back to work in more full full time capacity. So it's at least probably, I'd say, more likely twenty four months away. Yep. Yeah. Cool.\n\nYep. Exactly the same. Exactly the same, but probably just just more of it. Because, yeah, we're we're extremely busy at the moment. So, yeah, just that same same role, same responsibilities, just, yeah, a hell of a lot more of it.\n\nThat's fine. Okay. Well, so well, you guys are both based in the Gold Coast, aren't you? Yeah. So you see all those big tower cranes up in the air building all these apartment buildings?\n\nI'm the one putting in the big concrete precast elements on those on those buildings. I'm I'm not I'm not yeah. I'm not in the cab of the crane, but I'm telling the guy in the cab of the crane what to do and where to put these concrete elements. And yeah. So, yeah, we we yeah.\n\nWe installed concrete precast, which involves, obviously, the installation side of it, but then there's a lot of physical elements to it with the propping propping systems that we have to use and and structural grouting and and all that. So it's a very physical job as well in that sense. Well, as the building progresses up, we're also we're going up with it because what we are doing is part of the structural the the structure of the project. So we put the walls up essentially, and then you have concrete poured over top of that, and we come on to the next level, put put more walls up, pour more concrete, and so on and so forth until we we top out at whatever level the building's going to. Yeah.\n\nIt's fine. Yeah. I get it I get it all the time. It's like, what do you do? And I tell them, and they're like, what?\n\nYou know? I think we would need to look at a little something a bit more than yeah. Two years isn't really gonna be enough. Probably, let's say, probably, like, five years worth of color. Bloody, this government and their taxes really screws everyone, doesn't it?\n\nYeah. Yeah. It's just another money grab. I'll look at let's just go on on the gross. Yeah.\n\nMhmm. Mhmm. Mhmm. Yep. Mhmm.\n\nYeah. Yes. I am. I think I've got a pretty yeah. A pretty good understanding of it.\n\nYeah. I'll say it's been for, like, the preference would be something that can be paid within my super, and, obviously, the best best possible cover would be my sort of my request down with that one. Yeah. There is so my boss pays into another separate fund. I think it's called CIP, which is another income protection insurance thing, and that's through the through the union.\n\nAnd then I've also also got another one which he pays into, which is called the Birch Fund, and that's more of like a redundancy type payment. If I was to be made redundant from my job, there'd be a, yeah, a payment made out of out of that. No. I oh, that's one I haven't looked into. I might just do a bit more research on the CIP side of things first and just sort of see what what level of cover they've got in there.\n\nAnd then if if I find it's it's not enough, I guess I could just touch base with you guys again and look at something someone else, a little bit of better added extra stuff. Yeah. Okay. It's all good. Yeah.\n\nYep. That sounds great. No. Wow. I'm putting not at this stage.\n\nI think I'll I'll leave the trauma one for now. Yeah. Pretty pretty good at the moment. Generally, yeah, can sort of be saving a minimum of 200 a week. Yeah.\n\nAt a minimum. Some some weeks, it's a bit more. I don't actually know. I'll I'll I'll have to ask a question. Obviously, I need to keep the bus queue because of the because I work for the union in in in Queensland at Bayard.\n\nSo that's the central. I have to keep that one open, and that's what they pay into. With the c bus one, I mean, like yeah. If I mean, I'm happy to probably close that one or or consolidate it into the hub 24 or something as long as I've got those same sort of benefits. Yeah.\n\nYeah. At that same sort of levels, I'll be happy to, yeah, consolidate that that save us and just get rid of that one. Yeah. I think it yeah. Yeah.\n\nIt did. Just give us a breakdown of of what that would require, like, payment wise and nothing else. So, yeah, make it more of an educated thing from that. Mhmm. Yep.\n\nOkay. Yep. I was having a little look at you, the little grass this morning in regards to that. Yep. Mhmm.\n\nOkay. Okay. So is that and that's with no contributions. Okay. Yeah.\n\nI'm with regards to yeah. Okay. Oh, I got a text. Mhmm. Yeah.\n\nAnd that's odd. Yeah. And I'm and I'm comfortable with it being more high risk because it with my current position, current age and stuff. And I think last time, we spoke maybe yeah. As we get older and slowing down and stuff, we'll probably reduce the risk.\n\nBut I think at the moment, yeah, higher higher risk, but a higher reward is is, yeah, the time timing now. Oh, wait. Right? Yeah. Mhmm.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nThat sounds good. I'm comfortable with with that game plan. Again, if it was in a couple of years, I know I've got time for it to bounce back. So I'd probably be looking at maybe buying some while they're low on the hope or provider that it's gonna come back up and then should should actually, in the long term, create more wealth. Yes.\n\nYep. Mhmm. I've got some shares through Comsec that I've chucked, like, a $100 and do, like, four years ago, and it's sitting at, like, a 150. I literally do not do anything with it. It's just it's here.\n\nI don't know. Because, yeah, we've worked really hard to become debt free. So I really not don't like the idea of debt, but in saying that if it was under under advised, then I would definitely consider it. Yes. If everything so the yeah.\n\nIf it was to, yeah, line up. Mhmm. Okay. I mean, I'm sort of happy with with how it's performing at the moment. Like, you know, as you said, it's between that sort of 810% range.\n\nYeah. I think at the moment, just sort of keep it keep it as it is. That's oh, yes. Yeah. Yeah.\n\nDef yeah. Yeah. Yeah. Definitely do that. Yeah.\n\nYeah. We bought a caravan, so it's back down to it's about 55 now. Yes. I got 20. Yep.\n\n$20. Yep. Correct. Yeah. So, yeah, still got that.\n\nIt's probably dropped to be fair. It's probably around about 25 now. No. That's that that's still around about the same. Oh, I actually solved that.\n\nYep. So It's gone up to $8,810 per week now. Okay. All good. Mhmm.\n\nYeah. Probably still, yeah, still wanna have those sort of property goals essentially because they only have something for the kids or leave leave the kids. Yeah. Yep. That's well, that sounds really Twiddox.\n\nI'd love to. Yes. I haven't yet. I've seen with the with COM six thing. I just haven't even looked at it, but, yeah, maybe look into in into other areas.\n\nMhmm. Yep. Still accurate. Oh, yeah. Okay.\n\nIt's the one. We're yeah. We've definitely had the the conversations, but that's as far as it's gone so far. Yeah. Okay.\n\nCool. Alright. Sounds good. Mhmm. Yes.\n\nYep. Yeah. That's it. Yeah. It's part of my that's why I'm just here.\n\nIt's too hard with the job. But you had no idea what's on what I've got on on a daily basis. But, yeah, we'll just go for I don't know. Should we go for Monday afternoon? Next Monday.\n\nWe got 04:30, please. Okay. Yep. Alright. Great.\n\nMhmm. Mhmm. Okay. Yep. Gotta get that one sent in there.\n\nGotta get that one sent. Make a big difference. Yeah. Okay. That's fine.\n\nYes. Yep. No. No. That's it.\n\nSo all all getting through. Still working. Then, yeah, just just sign that form for you as well. All good. Perfect.\n\nMhmm. Alright. It sounds sounds good at all. Thanks very much for the call. Yep.\n\nAlright. Sounds good. Okay. Thank you. You too.\n\nAlright. I'll I'll try not to. Okay. Bye bye. See you.","paragraphs":[{"sentences":[{"text":"For your name and reason for calling, I'll see if this person is available.","start":0.08,"end":3.86,"sentiment":"neutral","sentiment_score":0.025245808131460632},{"text":"Thanks.","start":13.44,"end":13.94,"sentiment":"positive","sentiment_score":0.34415203332901},{"text":"Please stay on the line.","start":14.295,"end":15.595,"sentiment":"neutral","sentiment_score":0.17946448624134065},{"text":"Ryan speaking.","start":23.895,"end":24.715,"sentiment":"neutral","sentiment_score":0.05271992087364197},{"text":"I'm good this morning.","start":28.76,"end":29.64,"sentiment":"positive","sentiment_score":0.4356091246008873}],"sentiment":"neutral","sentiment_score":0.1324150814818075,"num_words":26,"start":0.08,"end":29.64},{"sentences":[{"text":"Thank you.","start":29.64,"end":30.039999,"sentiment":"positive","sentiment_score":0.546366274356842},{"text":"How are you?","start":30.039999,"end":30.859999,"sentiment":"neutral","sentiment_score":0.2892380605141322},{"text":"Yes.","start":37.32,"end":37.72,"sentiment":"neutral","sentiment_score":0.12949863076210022},{"text":"Yep.","start":37.72,"end":38.04,"sentiment":"neutral","sentiment_score":0.17638084292411804},{"text":"It is.","start":38.04,"end":38.699997,"sentiment":"neutral","sentiment_score":0.3253636211156845}],"sentiment":"neutral","sentiment_score":0.324117049574852,"num_words":9,"start":29.64,"end":38.699997},{"sentences":[{"text":"Yep.","start":47.085003,"end":47.405003,"sentiment":"neutral","sentiment_score":0.11430134624242784},{"text":"That's fine.","start":47.405003,"end":48.145,"sentiment":"neutral","sentiment_score":0.27252888679504395},{"text":"Yeah.","start":55.885002,"end":56.285,"sentiment":"neutral","sentiment_score":0.02967903204262257},{"text":"Ryan Adams Stewart.","start":56.285,"end":57.57,"sentiment":"neutral","sentiment_score":0.013097068294882774},{"text":"6 Of The 4th 80 '2.","start":57.57,"end":59.27,"sentiment":"neutral","sentiment_score":0.015018419673045477}],"sentiment":"neutral","sentiment_score":0.06295691344600457,"num_words":13,"start":47.085003,"end":59.27},{"sentences":[{"text":"Address is 9 Kerry Court, Coomera.","start":59.65,"end":61.91,"sentiment":"neutral","sentiment_score":0.02557258742551009},{"text":"Okay.","start":76.854996,"end":77.354996,"sentiment":"neutral","sentiment_score":0.04051220789551735},{"text":"Mhmm.","start":81.174995,"end":81.674995,"sentiment":"neutral","sentiment_score":0.034202732145786285},{"text":"Yep.","start":81.735,"end":82.235,"sentiment":"neutral","sentiment_score":0.10274912416934968},{"text":"Actually, so I reviewed it and signed it.","start":94.69,"end":97.35,"sentiment":"neutral","sentiment_score":0.008742282690946013}],"sentiment":"neutral","sentiment_score":0.02357869707595776,"num_words":17,"start":59.65,"end":97.35},{"sentences":[{"text":"Yeah.","start":101.265,"end":101.585,"sentiment":"neutral","sentiment_score":0.0050238799303770065},{"text":"I'll see if I can pull it up as well.","start":101.585,"end":106.965004,"sentiment":"neutral","sentiment_score":0.015645007556304335},{"text":"I'm just really useless.","start":107.105,"end":108.485,"sentiment":"neutral","sentiment_score":-0.26332758739590645},{"text":"I'm really useless with, like, admin, to be honest.","start":108.865,"end":111.925,"sentiment":"neutral","sentiment_score":-0.2671625829405255},{"text":"Yeah.","start":126.74,"end":127.24,"sentiment":"neutral","sentiment_score":0.03118177130818367}],"sentiment":"neutral","sentiment_score":-0.13060471476987004,"num_words":25,"start":101.265,"end":127.24},{"sentences":[{"text":"Oh, okay.","start":146.92,"end":147.66,"sentiment":"neutral","sentiment_score":-0.06820399686694145},{"text":"Alright.","start":147.72,"end":148.2,"sentiment":"neutral","sentiment_score":-0.017987975850701332},{"text":"I'm not sure what I was thinking then.","start":148.2,"end":150.22,"sentiment":"neutral","sentiment_score":-0.07885529426857829},{"text":"Yeah.","start":175.72,"end":176.04001,"sentiment":"neutral","sentiment_score":0.20376764237880707},{"text":"Okay.","start":176.04001,"end":176.54001,"sentiment":"neutral","sentiment_score":0.3202880024909973}],"sentiment":"neutral","sentiment_score":-0.02009097529718509,"num_words":13,"start":146.92,"end":176.54001},{"sentences":[{"text":"Yep.","start":184.455,"end":184.855,"sentiment":"neutral","sentiment_score":0.016815662384033203},{"text":"I've got one here.","start":184.855,"end":185.735,"sentiment":"neutral","sentiment_score":-0.009099493967369199},{"text":"So I didn't able to sign that one.","start":185.735,"end":187.675,"sentiment":"neutral","sentiment_score":-0.12863208819180727},{"text":"Yeah.","start":189.735,"end":190.235,"sentiment":"neutral","sentiment_score":0.008491304703056812},{"text":"Yep.","start":200.37,"end":200.84999,"sentiment":"neutral","sentiment_score":0.04476425051689148}],"sentiment":"neutral","sentiment_score":-0.06635889758666356,"num_words":15,"start":184.455,"end":200.84999},{"sentences":[{"text":"Click on that one.","start":200.84999,"end":201.91,"sentiment":"neutral","sentiment_score":0.042705444153398275},{"text":"Yep.","start":214.365,"end":214.845,"sentiment":"neutral","sentiment_score":0.06977865844964981},{"text":"Okay.","start":214.845,"end":215.345,"sentiment":"neutral","sentiment_score":0.07732979208230972},{"text":"So Cheers.","start":215.565,"end":218.225,"sentiment":"neutral","sentiment_score":0.11925268918275833},{"text":"Yeah.","start":223.42,"end":223.66,"sentiment":"neutral","sentiment_score":-0.005318028852343559}],"sentiment":"neutral","sentiment_score":0.06123528629541397,"num_words":9,"start":200.84999,"end":223.66},{"sentences":[{"text":"Yeah.","start":223.66,"end":223.90001,"sentiment":"neutral","sentiment_score":0.008564839139580727},{"text":"Yep.","start":223.90001,"end":224.14,"sentiment":"neutral","sentiment_score":0.01973414048552513},{"text":"Yep.","start":224.14,"end":224.38,"sentiment":"neutral","sentiment_score":0.035399921238422394},{"text":"I've got it there.","start":224.38,"end":225.02,"sentiment":"neutral","sentiment_score":0.04352400731295347},{"text":"So, yeah, the hub 20 4 187.","start":225.02,"end":227.92,"sentiment":"neutral","sentiment_score":0.027241590931745514}],"sentiment":"neutral","sentiment_score":0.030606147616968622,"num_words":14,"start":223.66,"end":227.92},{"sentences":[{"text":"Yep.","start":229.5,"end":230.0,"sentiment":"neutral","sentiment_score":0.008327087387442589},{"text":"Yeah.","start":250.77,"end":251.27,"sentiment":"neutral","sentiment_score":0.3022913336753845},{"text":"For sure.","start":261.09,"end":261.73,"sentiment":"neutral","sentiment_score":0.18594229221343994},{"text":"I mean, the reason that c bus one is still open is because they offer extra benefits within the construction industry and and different insurances which BusQ doesn't offer.","start":261.73,"end":274.74503,"sentiment":"neutral","sentiment_score":0.16150992877524475},{"text":"So that was when I first changed over to BusQ, that was sort of, yeah, the the advice was to keep that one open because of those certain insurances.","start":274.74503,"end":283.89,"sentiment":"neutral","sentiment_score":-0.051848472706202804}],"sentiment":"neutral","sentiment_score":0.062301374701482636,"num_words":62,"start":229.5,"end":283.89},{"sentences":[{"text":"So I am covered.","start":284.11002,"end":285.17,"sentiment":"neutral","sentiment_score":0.08384608663618565},{"text":"I've got a little bit of extra cover if I was to get injured at work.","start":285.31003,"end":288.61002,"sentiment":"neutral","sentiment_score":-0.22167904255911708},{"text":"So I don't know if that's worth still keeping that open or if we, yeah, like you say, can consolidate it for less fees.","start":290.99002,"end":298.415,"sentiment":"neutral","sentiment_score":-0.0674132602289319},{"text":"Yeah.","start":382.07498,"end":382.395,"sentiment":"neutral","sentiment_score":-0.08461392670869827},{"text":"That's right.","start":382.395,"end":383.13498,"sentiment":"negative","sentiment_score":-0.337324783205986}],"sentiment":"neutral","sentiment_score":-0.11890770368119503,"num_words":47,"start":284.11002,"end":383.13498},{"sentences":[{"text":"Yeah.","start":399.59003,"end":399.99002,"sentiment":"neutral","sentiment_score":-0.108040913939476},{"text":"I I understand.","start":399.99002,"end":400.89,"sentiment":"neutral","sentiment_score":-0.01674663523832957},{"text":"Yeah.","start":409.835,"end":410.07498,"sentiment":"neutral","sentiment_score":-0.07210520654916763},{"text":"It does.","start":410.07498,"end":410.715,"sentiment":"neutral","sentiment_score":-0.04448749404400587},{"text":"Yeah.","start":410.715,"end":411.215,"sentiment":"neutral","sentiment_score":-0.020490700379014015}],"sentiment":"neutral","sentiment_score":-0.042481464333832264,"num_words":8,"start":399.59003,"end":411.215},{"sentences":[{"text":"Okay.","start":422.06,"end":422.56,"sentiment":"neutral","sentiment_score":-0.023501373827457428},{"text":"Yes.","start":483.30002,"end":483.80002,"sentiment":"neutral","sentiment_score":-0.02311699092388153},{"text":"Well, it'd be going to to my wife.","start":493.435,"end":495.53497,"sentiment":"neutral","sentiment_score":-0.04499701573513448},{"text":"Yep.","start":497.19498,"end":497.69498,"sentiment":"neutral","sentiment_score":0.050250064581632614},{"text":"That's it.","start":497.995,"end":498.315,"sentiment":"neutral","sentiment_score":0.05157100968062878}],"sentiment":"neutral","sentiment_score":-0.01947710820688651,"num_words":13,"start":422.06,"end":498.315},{"sentences":[{"text":"It'll all be going to her, and then, obviously, she will yeah.","start":498.315,"end":502.17,"sentiment":"neutral","sentiment_score":0.04000692799066504},{"text":"The kids the kids are too young to to receive any sort of money at the moment, but she would also make sure that they were looked after in in the future if that was to happen.","start":502.17,"end":510.41,"sentiment":"neutral","sentiment_score":-0.04640562902833965},{"text":"So a 100% of it would would go to to her.","start":510.41,"end":513.23,"sentiment":"neutral","sentiment_score":0.1919138478961858},{"text":"Well, yeah, so we don't currently have a mortgage or anything like that.","start":532.29,"end":535.51,"sentiment":"neutral","sentiment_score":-0.12897800797453293},{"text":"And we're actually yeah.","start":535.81,"end":537.01,"sentiment":"neutral","sentiment_score":0.008811671752482653}],"sentiment":"neutral","sentiment_score":-0.009965457505994028,"num_words":77,"start":498.315,"end":537.01},{"sentences":[{"text":"So we're completely debt free.","start":537.01,"end":538.79,"sentiment":"neutral","sentiment_score":0.027450137585401536},{"text":"We don't have car loans, credit cards, mortgage, anything like that.","start":539.01,"end":542.865,"sentiment":"neutral","sentiment_score":-0.07643141800707037},{"text":"And she also does work part time earning she earns maybe about $3.50 a week just working from home at at the moment.","start":543.58496,"end":551.285,"sentiment":"neutral","sentiment_score":0.032032777757748314},{"text":"I probably wanna wanna give her a couple of years at least just to figure, yeah, figure figure life out again with without me.","start":571.90497,"end":579.58496,"sentiment":"neutral","sentiment_score":-0.06105185920993487},{"text":"It's obviously would be a massive Yeah.","start":579.58496,"end":581.90497,"sentiment":"neutral","sentiment_score":-0.12215455834354673}],"sentiment":"neutral","sentiment_score":-0.03267239358808313,"num_words":70,"start":537.01,"end":581.90497},{"sentences":[{"text":"Yeah.","start":581.90497,"end":582.40497,"sentiment":"neutral","sentiment_score":0.04030137881636619},{"text":"A massive thing if it wants to happen.","start":582.46497,"end":584.40497,"sentiment":"neutral","sentiment_score":0.01768796658143401},{"text":"I've lost a thing with I just had my group certificate come through recently, and I think it it had gone up to about a 150.","start":598.885,"end":607.70496,"sentiment":"neutral","sentiment_score":-0.09671991375776437},{"text":"That's obviously before tax, so gross income was, yeah, I think, around a 150.","start":609.285,"end":615.81,"sentiment":"neutral","sentiment_score":0.03373339346476963},{"text":"I think that's probably pretty good.","start":648.81995,"end":652.04,"sentiment":"neutral","sentiment_score":0.18989594032367071}],"sentiment":"neutral","sentiment_score":-0.013113990832458842,"num_words":55,"start":581.90497,"end":652.04},{"sentences":[{"text":"Yeah.","start":653.77997,"end":654.25995,"sentiment":"neutral","sentiment_score":0.0387360081076622},{"text":"I think yeah.","start":654.25995,"end":654.98,"sentiment":"neutral","sentiment_score":-0.008833888918161392},{"text":"They could cover it for for four.","start":654.98,"end":657.075,"sentiment":"neutral","sentiment_score":-0.047948655273233144},{"text":"Just over four years, I think that would be enough time for her to sort her shit out.","start":657.395,"end":662.455,"sentiment":"neutral","sentiment_score":-0.18316014111042023},{"text":"Yeah.","start":663.315,"end":663.815,"sentiment":"neutral","sentiment_score":0.01315687783062458}],"sentiment":"neutral","sentiment_score":-0.12023773025721311,"num_words":30,"start":653.77997,"end":663.815},{"sentences":[{"text":"Yeah.","start":671.23004,"end":671.55,"sentiment":"neutral","sentiment_score":0.02871731109917164},{"text":"So kids are the daughter would be she'll be five in in about six weeks, and then the son's about just over two and a half.","start":671.55,"end":679.25,"sentiment":"neutral","sentiment_score":0.03089090185956313},{"text":"Yeah.","start":700.77,"end":701.01,"sentiment":"neutral","sentiment_score":0.08604258298873901},{"text":"Yeah.","start":701.01,"end":701.33,"sentiment":"neutral","sentiment_score":0.12205061316490172},{"text":"Definitely.","start":701.33,"end":701.83,"sentiment":"neutral","sentiment_score":0.16968607902526855}],"sentiment":"neutral","sentiment_score":0.04032200115422408,"num_words":30,"start":671.23004,"end":701.83},{"sentences":[{"text":"For for our current situation, yes.","start":702.29,"end":704.79,"sentiment":"neutral","sentiment_score":0.040169566248854004},{"text":"Obviously, down the track if we because we are looking at buying a property at some stage if of if we were to get a mortgage, you know, I'd have to reassess to make sure that that would be covered.","start":705.57,"end":715.125,"sentiment":"neutral","sentiment_score":-0.0326649624388665},{"text":"But as the current situation, yeah, comfortable currently.","start":715.125,"end":718.905,"sentiment":"neutral","sentiment_score":0.2291038129478693},{"text":"Yeah.","start":726.47,"end":726.87,"sentiment":"neutral","sentiment_score":0.03684467077255249},{"text":"It's probably more of a medium.","start":726.87,"end":728.14996,"sentiment":"neutral","sentiment_score":-0.006225670377413432}],"sentiment":"neutral","sentiment_score":0.012569509049663778,"num_words":61,"start":702.29,"end":728.14996},{"sentences":[{"text":"We're just sort of trying to get the kids off to well, they'll get one of the kids off to school so Ange can get back to work in more full full time capacity.","start":728.14996,"end":735.93,"sentiment":"neutral","sentiment_score":0.025296787060249376},{"text":"So it's at least probably, I'd say, more likely twenty four months away.","start":735.99,"end":742.03503,"sentiment":"neutral","sentiment_score":-0.11716806114866184},{"text":"Yep.","start":758.3,"end":758.78,"sentiment":"neutral","sentiment_score":0.0972035676240921},{"text":"Yeah.","start":758.78,"end":759.1,"sentiment":"neutral","sentiment_score":0.21094027161598208},{"text":"Cool.","start":759.1,"end":759.6,"sentiment":"positive","sentiment_score":0.42004603147506714}],"sentiment":"neutral","sentiment_score":0.001301916716620326,"num_words":50,"start":728.14996,"end":759.6},{"sentences":[{"text":"Yep.","start":834.415,"end":834.915,"sentiment":"neutral","sentiment_score":-0.13645033538341522},{"text":"Exactly the same.","start":845.58997,"end":846.64996,"sentiment":"neutral","sentiment_score":0.28748516241709393},{"text":"Exactly the same, but probably just just more of it.","start":848.63,"end":851.235,"sentiment":"neutral","sentiment_score":0.08541526645421982},{"text":"Because, yeah, we're we're extremely busy at the moment.","start":851.39496,"end":855.33496,"sentiment":"neutral","sentiment_score":-0.11887648618883556},{"text":"So, yeah, just that same same role, same responsibilities, just, yeah, a hell of a lot more of it.","start":855.555,"end":861.015,"sentiment":"neutral","sentiment_score":0.12568515382314982}],"sentiment":"neutral","sentiment_score":0.06900684198453313,"num_words":42,"start":834.415,"end":861.015},{"sentences":[{"text":"That's fine.","start":866.0,"end":866.74,"sentiment":"neutral","sentiment_score":-0.06202528439462185},{"text":"Okay.","start":872.24,"end":872.74,"sentiment":"neutral","sentiment_score":0.01306510902941227},{"text":"Well, so well, you guys are both based in the Gold Coast, aren't you?","start":873.44,"end":877.54004,"sentiment":"neutral","sentiment_score":0.04726133841489043},{"text":"Yeah.","start":878.745,"end":878.985,"sentiment":"neutral","sentiment_score":0.028816916048526764},{"text":"So you see all those big tower cranes up in the air building all these apartment buildings?","start":878.985,"end":883.325,"sentiment":"neutral","sentiment_score":0.021049046286327}],"sentiment":"neutral","sentiment_score":0.02678068517042058,"num_words":35,"start":866.0,"end":883.325},{"sentences":[{"text":"I'm the one putting in the big concrete precast elements on those on those buildings.","start":883.78503,"end":888.765,"sentiment":"neutral","sentiment_score":0.015860827267169954},{"text":"I'm I'm not I'm not yeah.","start":896.68,"end":898.44,"sentiment":"neutral","sentiment_score":-0.14135900263985},{"text":"I'm not in the cab of the crane, but I'm telling the guy in the cab of the crane what to do and where to put these concrete elements.","start":898.44,"end":905.5,"sentiment":"neutral","sentiment_score":-0.07862812242117422},{"text":"And yeah.","start":905.56,"end":908.225,"sentiment":"neutral","sentiment_score":0.000019977800548077497},{"text":"So, yeah, we we yeah.","start":908.225,"end":909.26495,"sentiment":"neutral","sentiment_score":0.024793130904436113}],"sentiment":"neutral","sentiment_score":-0.048534237665303966,"num_words":57,"start":883.78503,"end":909.26495},{"sentences":[{"text":"We installed concrete precast, which involves, obviously, the installation side of it, but then there's a lot of physical elements to it with the propping propping systems that we have to use and and structural grouting and and all that.","start":909.26495,"end":923.26,"sentiment":"neutral","sentiment_score":0.022845820779912172},{"text":"So it's a very physical job as well in that sense.","start":923.26,"end":926.24,"sentiment":"neutral","sentiment_score":0.06511868401007219},{"text":"Well, as the building progresses up, we're also we're going up with it because what we are doing is part of the structural the the structure of the project.","start":935.015,"end":945.015,"sentiment":"neutral","sentiment_score":0.025331350107645166},{"text":"So we put the walls up essentially, and then you have concrete poured over top of that, and we come on to the next level, put put more walls up, pour more concrete, and so on and so forth until we we top out at whatever level the building's going to.","start":945.015,"end":959.11,"sentiment":"neutral","sentiment_score":0.018929476283636747},{"text":"Yeah.","start":977.14,"end":977.64,"sentiment":"neutral","sentiment_score":0.02319646254181862}],"sentiment":"neutral","sentiment_score":0.025404145919971845,"num_words":132,"start":909.26495,"end":977.64},{"sentences":[{"text":"It's fine.","start":981.94,"end":982.68,"sentiment":"neutral","sentiment_score":0.12667380273342133},{"text":"Yeah.","start":983.77997,"end":984.1,"sentiment":"neutral","sentiment_score":0.15458741784095764},{"text":"I get it I get it all the time.","start":984.1,"end":985.38,"sentiment":"neutral","sentiment_score":0.24011847376823425},{"text":"It's like, what do you do?","start":985.38,"end":986.33997,"sentiment":"neutral","sentiment_score":0.07894702938695748},{"text":"And I tell them, and they're like, what?","start":986.33997,"end":988.27997,"sentiment":"neutral","sentiment_score":0.048428765032440424}],"sentiment":"neutral","sentiment_score":0.13192744553089142,"num_words":26,"start":981.94,"end":988.27997},{"sentences":[{"text":"You know?","start":988.98,"end":989.64,"sentiment":"neutral","sentiment_score":0.020400820299983025},{"text":"I think we would need to look at a little something a bit more than yeah.","start":1070.635,"end":1074.235,"sentiment":"neutral","sentiment_score":-0.05782342562451959},{"text":"Two years isn't really gonna be enough.","start":1074.235,"end":1076.255,"sentiment":"neutral","sentiment_score":-0.04132690892687866},{"text":"Probably, let's say, probably, like, five years worth of color.","start":1094.87,"end":1097.93,"sentiment":"neutral","sentiment_score":0.0214765302836895},{"text":"Bloody, this government and their taxes really screws everyone, doesn't it?","start":1121.3501,"end":1125.29,"sentiment":"negative","sentiment_score":-0.7450845837593079}],"sentiment":"neutral","sentiment_score":-0.1990179706607824,"num_words":46,"start":988.98,"end":1125.29},{"sentences":[{"text":"Yeah.","start":1134.035,"end":1134.535,"sentiment":"neutral","sentiment_score":-0.2536809742450714},{"text":"Yeah.","start":1134.915,"end":1135.3151,"sentiment":"neutral","sentiment_score":-0.17368119955062866},{"text":"It's just another money grab.","start":1135.3151,"end":1136.755,"sentiment":"neutral","sentiment_score":-0.23975633978843688},{"text":"I'll look at let's just go on on the gross.","start":1136.755,"end":1139.415,"sentiment":"neutral","sentiment_score":-0.042096599377691744},{"text":"Yeah.","start":1141.475,"end":1141.975,"sentiment":"neutral","sentiment_score":0.10786981880664824}],"sentiment":"neutral","sentiment_score":-0.10773555820600854,"num_words":18,"start":1134.035,"end":1141.975},{"sentences":[{"text":"Mhmm.","start":1155.37,"end":1155.87,"sentiment":"neutral","sentiment_score":-0.08371718227863312},{"text":"Mhmm.","start":1209.77,"end":1210.27,"sentiment":"neutral","sentiment_score":-0.1184597760438919},{"text":"Mhmm.","start":1223.825,"end":1224.325,"sentiment":"neutral","sentiment_score":-0.03529127314686775},{"text":"Yep.","start":1273.505,"end":1274.005,"sentiment":"neutral","sentiment_score":-0.02506032958626747},{"text":"Mhmm.","start":1291.56,"end":1292.06,"sentiment":"neutral","sentiment_score":-0.023579634726047516}],"sentiment":"neutral","sentiment_score":-0.057221639156341556,"num_words":5,"start":1155.37,"end":1292.06},{"sentences":[{"text":"Yeah.","start":1304.855,"end":1305.255,"sentiment":"neutral","sentiment_score":0.08703134953975677},{"text":"Yes.","start":1305.255,"end":1305.5751,"sentiment":"neutral","sentiment_score":0.13794571161270142},{"text":"I am.","start":1305.5751,"end":1306.235,"sentiment":"neutral","sentiment_score":0.15939144790172577},{"text":"I think I've got a pretty yeah.","start":1321.13,"end":1323.63,"sentiment":"neutral","sentiment_score":0.028656198510101864},{"text":"A pretty good understanding of it.","start":1324.1699,"end":1326.4299,"sentiment":"neutral","sentiment_score":0.23001646250486374}],"sentiment":"neutral","sentiment_score":0.12496777185622383,"num_words":17,"start":1304.855,"end":1326.4299},{"sentences":[{"text":"Yeah.","start":1326.57,"end":1326.8099,"sentiment":"neutral","sentiment_score":0.11624965071678162},{"text":"I'll say it's been for, like, the preference would be something that can be paid within my super, and, obviously, the best best possible cover would be my sort of my request down with that one.","start":1326.8099,"end":1339.125,"sentiment":"neutral","sentiment_score":0.2038424097829395},{"text":"Yeah.","start":1390.3351,"end":1390.8351,"sentiment":"neutral","sentiment_score":-0.02986249513924122},{"text":"There is so my boss pays into another separate fund.","start":1390.8351,"end":1395.535,"sentiment":"neutral","sentiment_score":-0.052362219989299776},{"text":"I think it's called CIP, which is another income protection insurance thing, and that's through the through the union.","start":1395.535,"end":1403.395,"sentiment":"neutral","sentiment_score":-0.02130421486340071}],"sentiment":"neutral","sentiment_score":0.09695987500695151,"num_words":67,"start":1326.57,"end":1403.395},{"sentences":[{"text":"And then I've also also got another one which he pays into, which is called the Birch Fund, and that's more of like a redundancy type payment.","start":1405.65,"end":1414.07,"sentiment":"neutral","sentiment_score":-0.03815241399462576},{"text":"If I was to be made redundant from my job, there'd be a, yeah, a payment made out of out of that.","start":1414.21,"end":1419.945,"sentiment":"neutral","sentiment_score":-0.050126231529495933},{"text":"No.","start":1432.505,"end":1432.9049,"sentiment":"neutral","sentiment_score":-0.02982315793633461},{"text":"I oh, that's one I haven't looked into.","start":1432.9049,"end":1435.005,"sentiment":"neutral","sentiment_score":-0.024021932389587164},{"text":"I might just do a bit more research on the CIP side of things first and just sort of see what what level of cover they've got in there.","start":1454.185,"end":1461.625,"sentiment":"neutral","sentiment_score":0.10306406541374223}],"sentiment":"neutral","sentiment_score":0.007286977108525133,"num_words":87,"start":1405.65,"end":1461.625},{"sentences":[{"text":"And then if if I find it's it's not enough, I guess I could just touch base with you guys again and look at something someone else, a little bit of better added extra stuff.","start":1461.625,"end":1470.3401,"sentiment":"neutral","sentiment_score":-0.05399891207260745},{"text":"Yeah.","start":1496.06,"end":1496.4601,"sentiment":"neutral","sentiment_score":0.09887266159057616},{"text":"Okay.","start":1496.4601,"end":1496.7001,"sentiment":"neutral","sentiment_score":0.06912976503372192},{"text":"It's all good.","start":1496.7001,"end":1508.88,"sentiment":"neutral","sentiment_score":0.1608915776014328},{"text":"Yeah.","start":1508.9401,"end":1509.26,"sentiment":"neutral","sentiment_score":0.1121252179145813}],"sentiment":"neutral","sentiment_score":-0.027491696224343484,"num_words":41,"start":1461.625,"end":1509.26},{"sentences":[{"text":"Yep.","start":1509.26,"end":1509.5,"sentiment":"neutral","sentiment_score":0.10968853533267976},{"text":"That sounds great.","start":1509.5,"end":1510.56,"sentiment":"neutral","sentiment_score":0.3256039371093114},{"text":"No.","start":1584.63,"end":1584.87,"sentiment":"neutral","sentiment_score":0.030803611502051353},{"text":"Wow.","start":1584.87,"end":1585.37,"sentiment":"neutral","sentiment_score":0.1471274495124817},{"text":"I'm putting not at this stage.","start":1616.02,"end":1617.7,"sentiment":"neutral","sentiment_score":-0.1591470961769422}],"sentiment":"neutral","sentiment_score":0.025795735884457827,"num_words":12,"start":1509.26,"end":1617.7},{"sentences":[{"text":"I think I'll I'll leave the trauma one for now.","start":1617.7,"end":1620.44,"sentiment":"neutral","sentiment_score":-0.06732794102281332},{"text":"Yeah.","start":1657.495,"end":1657.735,"sentiment":"neutral","sentiment_score":0.17652881145477295},{"text":"Pretty pretty good at the moment.","start":1657.735,"end":1660.475,"sentiment":"positive","sentiment_score":0.3931318521499634},{"text":"Generally, yeah, can sort of be saving a minimum of 200 a week.","start":1661.655,"end":1666.315,"sentiment":"neutral","sentiment_score":0.14477310960109419},{"text":"Yeah.","start":1668.51,"end":1669.01,"sentiment":"neutral","sentiment_score":0.16219282150268555}],"sentiment":"neutral","sentiment_score":0.12600915356268805,"num_words":31,"start":1617.7,"end":1669.01},{"sentences":[{"text":"At a minimum.","start":1669.15,"end":1669.7899,"sentiment":"neutral","sentiment_score":0.06764786938826244},{"text":"Some some weeks, it's a bit more.","start":1669.7899,"end":1671.57,"sentiment":"neutral","sentiment_score":-0.07128530368208885},{"text":"I don't actually know.","start":1697.56,"end":1698.68,"sentiment":"neutral","sentiment_score":-0.3000502847135067},{"text":"I'll I'll I'll have to ask a question.","start":1698.68,"end":1700.8401,"sentiment":"neutral","sentiment_score":-0.059237665962427855},{"text":"Obviously, I need to keep the bus queue because of the because I work for the union in in in Queensland at Bayard.","start":1700.8401,"end":1707.56,"sentiment":"neutral","sentiment_score":-0.0322984892712987}],"sentiment":"neutral","sentiment_score":-0.06028936083118121,"num_words":45,"start":1669.15,"end":1707.56},{"sentences":[{"text":"So that's the central.","start":1707.56,"end":1708.52,"sentiment":"neutral","sentiment_score":0.021743997000157833},{"text":"I have to keep that one open, and that's what they pay into.","start":1708.52,"end":1711.8201,"sentiment":"neutral","sentiment_score":0.010670884440724667},{"text":"With the c bus one, I mean, like yeah.","start":1713.445,"end":1715.605,"sentiment":"neutral","sentiment_score":0.02331435080203745},{"text":"If I mean, I'm happy to probably close that one or or consolidate it into the hub 24 or something as long as I've got those same sort of benefits.","start":1715.605,"end":1725.7849,"sentiment":"neutral","sentiment_score":0.02581365468601386},{"text":"Yeah.","start":1729.5,"end":1730.0,"sentiment":"neutral","sentiment_score":0.03874817863106728}],"sentiment":"neutral","sentiment_score":0.021906744950173192,"num_words":57,"start":1707.56,"end":1730.0},{"sentences":[{"text":"Yeah.","start":1731.74,"end":1732.06,"sentiment":"neutral","sentiment_score":0.13504517078399658},{"text":"At that same sort of levels, I'll be happy to, yeah, consolidate that that save us and just get rid of that one.","start":1732.06,"end":1738.0,"sentiment":"neutral","sentiment_score":0.032136214978021126},{"text":"Yeah.","start":1764.31,"end":1764.81,"sentiment":"neutral","sentiment_score":0.1089128404855728},{"text":"I think it yeah.","start":1765.1901,"end":1766.9501,"sentiment":"neutral","sentiment_score":0.08807782828807831},{"text":"Yeah.","start":1766.9501,"end":1767.1901,"sentiment":"neutral","sentiment_score":0.1420237421989441}],"sentiment":"neutral","sentiment_score":0.04924753370384375,"num_words":30,"start":1731.74,"end":1767.1901},{"sentences":[{"text":"It did.","start":1767.1901,"end":1767.51,"sentiment":"neutral","sentiment_score":0.1704799085855484},{"text":"Just give us a breakdown of of what that would require, like, payment wise and nothing else.","start":1767.51,"end":1774.2051,"sentiment":"neutral","sentiment_score":0.04802083574673709},{"text":"So, yeah, make it more of an educated thing from that.","start":1774.2051,"end":1779.425,"sentiment":"neutral","sentiment_score":0.15141931988976218},{"text":"Mhmm.","start":1796.7201,"end":1797.2001,"sentiment":"neutral","sentiment_score":0.048146773129701614},{"text":"Yep.","start":1797.2001,"end":1797.68,"sentiment":"neutral","sentiment_score":0.10348694771528244}],"sentiment":"neutral","sentiment_score":0.09295500826556236,"num_words":32,"start":1767.1901,"end":1797.68},{"sentences":[{"text":"Okay.","start":1797.68,"end":1798.18,"sentiment":"neutral","sentiment_score":0.2535501718521118},{"text":"Yep.","start":1825.565,"end":1825.805,"sentiment":"neutral","sentiment_score":0.09321612119674684},{"text":"I was having a little look at you, the little grass this morning in regards to that.","start":1825.805,"end":1830.625,"sentiment":"neutral","sentiment_score":0.0823750640539562},{"text":"Yep.","start":1831.485,"end":1831.985,"sentiment":"neutral","sentiment_score":0.17011718451976776},{"text":"Mhmm.","start":1852.78,"end":1852.9401,"sentiment":"neutral","sentiment_score":0.01467407774180174}],"sentiment":"neutral","sentiment_score":0.09199684020131826,"num_words":21,"start":1797.68,"end":1852.9401},{"sentences":[{"text":"Okay.","start":1852.9401,"end":1853.4401,"sentiment":"neutral","sentiment_score":0.010517745278775692},{"text":"Okay.","start":1854.975,"end":1855.475,"sentiment":"neutral","sentiment_score":0.015849411487579346},{"text":"So is that and that's with no contributions.","start":1867.9349,"end":1869.7949,"sentiment":"neutral","sentiment_score":-0.017360250698402524},{"text":"Okay.","start":1870.8401,"end":1871.3401,"sentiment":"neutral","sentiment_score":-0.012819345109164717},{"text":"Yeah.","start":1872.2001,"end":1872.7001,"sentiment":"neutral","sentiment_score":-0.03797154873609543}],"sentiment":"neutral","sentiment_score":-0.013608811888843775,"num_words":12,"start":1852.9401,"end":1872.7001},{"sentences":[{"text":"I'm with regards to yeah.","start":1873.88,"end":1875.0801,"sentiment":"neutral","sentiment_score":-0.013688295148313046},{"text":"Okay.","start":1875.0801,"end":1875.5801,"sentiment":"neutral","sentiment_score":0.020954102277755737},{"text":"Oh, I got a text.","start":1876.92,"end":1899.75,"sentiment":"neutral","sentiment_score":0.08923553377389908},{"text":"Mhmm.","start":1923.875,"end":1924.375,"sentiment":"neutral","sentiment_score":0.21097542345523831},{"text":"Yeah.","start":1938.98,"end":1939.48,"sentiment":"neutral","sentiment_score":-0.02535993605852127}],"sentiment":"neutral","sentiment_score":0.04494659867710792,"num_words":13,"start":1873.88,"end":1939.48},{"sentences":[{"text":"And that's odd.","start":1942.145,"end":1943.105,"sentiment":"neutral","sentiment_score":-0.12819065898656845},{"text":"Yeah.","start":1943.105,"end":1943.425,"sentiment":"neutral","sentiment_score":-0.01624831184744835},{"text":"And I'm and I'm comfortable with it being more high risk because it with my current position, current age and stuff.","start":1943.425,"end":1949.105,"sentiment":"neutral","sentiment_score":-0.047630270854348226},{"text":"And I think last time, we spoke maybe yeah.","start":1949.105,"end":1951.985,"sentiment":"neutral","sentiment_score":0.0153506886627939},{"text":"As we get older and slowing down and stuff, we'll probably reduce the risk.","start":1951.985,"end":1955.52,"sentiment":"neutral","sentiment_score":-0.01738952738898141}],"sentiment":"neutral","sentiment_score":-0.031382357546438776,"num_words":48,"start":1942.145,"end":1955.52},{"sentences":[{"text":"But I think at the moment, yeah, higher higher risk, but a higher reward is is, yeah, the time timing now.","start":1955.52,"end":1961.9401,"sentiment":"neutral","sentiment_score":0.07047343804013162},{"text":"Oh, wait.","start":1963.2001,"end":1963.76,"sentiment":"neutral","sentiment_score":0.07045811787247658},{"text":"Right?","start":1963.76,"end":1964.26,"sentiment":"neutral","sentiment_score":0.04461423680186272},{"text":"Yeah.","start":1986.99,"end":1987.49,"sentiment":"neutral","sentiment_score":0.0008442141115665436},{"text":"Mhmm.","start":1993.23,"end":1993.73,"sentiment":"neutral","sentiment_score":0.05156750604510307}],"sentiment":"neutral","sentiment_score":0.06607247659793267,"num_words":26,"start":1955.52,"end":1993.73},{"sentences":[{"text":"Yeah.","start":2012.1,"end":2012.6,"sentiment":"neutral","sentiment_score":-0.007583212107419968},{"text":"Yeah.","start":2014.26,"end":2014.4199,"sentiment":"neutral","sentiment_score":0.04173842817544937},{"text":"Yeah.","start":2014.4199,"end":2014.58,"sentiment":"neutral","sentiment_score":0.05881773680448532},{"text":"Yeah.","start":2014.58,"end":2014.82,"sentiment":"neutral","sentiment_score":0.08658790588378906},{"text":"No.","start":2014.82,"end":2014.98,"sentiment":"neutral","sentiment_score":0.11631922423839568}],"sentiment":"neutral","sentiment_score":0.059176016598939896,"num_words":5,"start":2012.1,"end":2014.98},{"sentences":[{"text":"That sounds good.","start":2014.98,"end":2015.62,"sentiment":"positive","sentiment_score":0.4504493772983551},{"text":"I'm comfortable with with that game plan.","start":2015.62,"end":2017.5599,"sentiment":"positive","sentiment_score":0.47280056135995047},{"text":"Again, if it was in a couple of years, I know I've got time for it to bounce back.","start":2066.03,"end":2069.95,"sentiment":"neutral","sentiment_score":-0.04636056319271263},{"text":"So I'd probably be looking at maybe buying some while they're low on the hope or provider that it's gonna come back up and then should should actually, in the long term, create more wealth.","start":2069.95,"end":2083.895,"sentiment":"neutral","sentiment_score":0.020964094384440354},{"text":"Yes.","start":2098.45,"end":2098.95,"sentiment":"neutral","sentiment_score":0.08315801620483398}],"sentiment":"neutral","sentiment_score":0.07072311816020654,"num_words":65,"start":2014.98,"end":2098.95},{"sentences":[{"text":"Yep.","start":2099.33,"end":2099.83,"sentiment":"neutral","sentiment_score":0.07458582520484924},{"text":"Mhmm.","start":2100.61,"end":2101.11,"sentiment":"neutral","sentiment_score":0.053805865347385406},{"text":"I've got some shares through Comsec that I've chucked, like, a $100 and do, like, four years ago, and it's sitting at, like, a 150.","start":2106.9248,"end":2115.325,"sentiment":"neutral","sentiment_score":-0.11386469714343547},{"text":"I literally do not do anything with it.","start":2115.325,"end":2117.2449,"sentiment":"neutral","sentiment_score":-0.28011396899819374},{"text":"It's just it's here.","start":2117.2449,"end":2118.4648,"sentiment":"neutral","sentiment_score":-0.08430127985775471}],"sentiment":"neutral","sentiment_score":-0.13580365665256977,"num_words":39,"start":2099.33,"end":2118.4648},{"sentences":[{"text":"I don't know.","start":2146.305,"end":2146.625,"sentiment":"neutral","sentiment_score":-0.09150922546784084},{"text":"Because, yeah, we've worked really hard to become debt free.","start":2146.625,"end":2150.1648,"sentiment":"neutral","sentiment_score":-0.09742385596036911},{"text":"So I really not don't like the idea of debt, but in saying that if it was under under advised, then I would definitely consider it.","start":2151.56,"end":2160.94,"sentiment":"neutral","sentiment_score":-0.008631551208404394},{"text":"Yes.","start":2161.24,"end":2161.74,"sentiment":"neutral","sentiment_score":0.08999660611152649},{"text":"If everything so the yeah.","start":2162.36,"end":2163.72,"sentiment":"neutral","sentiment_score":0.06835685223340988}],"sentiment":"neutral","sentiment_score":-0.023142348892158934,"num_words":45,"start":2146.305,"end":2163.72},{"sentences":[{"text":"If it was to, yeah, line up.","start":2163.72,"end":2166.14,"sentiment":"neutral","sentiment_score":0.058501270200525014},{"text":"Mhmm.","start":2176.325,"end":2176.825,"sentiment":"neutral","sentiment_score":0.17016147077083588},{"text":"Okay.","start":2194.1802,"end":2194.6802,"sentiment":"neutral","sentiment_score":0.021586157381534576},{"text":"I mean, I'm sort of happy with with how it's performing at the moment.","start":2252.065,"end":2255.425,"sentiment":"neutral","sentiment_score":0.20234983707112925},{"text":"Like, you know, as you said, it's between that sort of 810% 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yeah.","start":2270.6902,"end":2271.6501,"sentiment":"neutral","sentiment_score":0.0054937126114964485},{"text":"Yeah.","start":2271.6501,"end":2271.73,"sentiment":"neutral","sentiment_score":0.046178869903087616},{"text":"Yeah.","start":2271.73,"end":2271.9702,"sentiment":"neutral","sentiment_score":0.07290507853031158},{"text":"Definitely do that.","start":2271.9702,"end":2273.27,"sentiment":"neutral","sentiment_score":0.1424779693285624},{"text":"Yeah.","start":2295.46,"end":2295.86,"sentiment":"neutral","sentiment_score":0.05300770327448845}],"sentiment":"neutral","sentiment_score":0.07631412311457098,"num_words":8,"start":2270.6902,"end":2295.86},{"sentences":[{"text":"Yeah.","start":2295.86,"end":2296.36,"sentiment":"neutral","sentiment_score":0.07329018414020538},{"text":"We bought a caravan, so it's back down to it's about 55 now.","start":2312.315,"end":2315.855,"sentiment":"neutral","sentiment_score":0.027454218898828212},{"text":"Yes.","start":2320.88,"end":2321.38,"sentiment":"neutral","sentiment_score":0.11828510463237762},{"text":"I got 20.","start":2325.92,"end":2326.98,"sentiment":"neutral","sentiment_score":0.004519577759007613},{"text":"Yep.","start":2328.885,"end":2329.045,"sentiment":"neutral","sentiment_score":0.10885773599147797}],"sentiment":"neutral","sentiment_score":0.03531034756451845,"num_words":19,"start":2295.86,"end":2329.045},{"sentences":[{"text":"$20.","start":2329.045,"end":2330.105,"sentiment":"neutral","sentiment_score":0.1409848928451538},{"text":"Yep.","start":2335.045,"end":2335.5251,"sentiment":"neutral","sentiment_score":0.05252718925476074},{"text":"Correct.","start":2335.5251,"end":2336.0251,"sentiment":"neutral","sentiment_score":0.062276482582092285},{"text":"Yeah.","start":2344.21,"end":2344.69,"sentiment":"neutral","sentiment_score":0.00858672708272934},{"text":"So, yeah, still got that.","start":2344.69,"end":2346.39,"sentiment":"neutral","sentiment_score":0.019923674501478673}],"sentiment":"neutral","sentiment_score":0.04044374047468106,"num_words":9,"start":2329.045,"end":2346.39},{"sentences":[{"text":"It's probably dropped to be fair.","start":2353.2249,"end":2354.585,"sentiment":"neutral","sentiment_score":-0.13462000091870627},{"text":"It's probably around about 25 now.","start":2354.585,"end":2357.165,"sentiment":"neutral","sentiment_score":-0.0822147640089194},{"text":"No.","start":2369.12,"end":2369.36,"sentiment":"neutral","sentiment_score":-0.07423233985900879},{"text":"That's that that's still around about the same.","start":2369.36,"end":2371.86,"sentiment":"neutral","sentiment_score":-0.06577198905870318},{"text":"Oh, I actually solved that.","start":2379.36,"end":2380.9001,"sentiment":"neutral","sentiment_score":0.06334316805005073}],"sentiment":"neutral","sentiment_score":-0.0609500385247744,"num_words":26,"start":2353.2249,"end":2380.9001},{"sentences":[{"text":"Yep.","start":2382.665,"end":2383.165,"sentiment":"neutral","sentiment_score":0.18940900266170504},{"text":"So It's gone up to $8,810 per week now.","start":2390.9849,"end":2394.845,"sentiment":"neutral","sentiment_score":0.027481442110406026},{"text":"Okay.","start":2397.76,"end":2398.26,"sentiment":"positive","sentiment_score":0.5092635750770569},{"text":"All good.","start":2399.36,"end":2400.02,"sentiment":"positive","sentiment_score":0.6384606659412384},{"text":"Mhmm.","start":2407.84,"end":2408.34,"sentiment":"neutral","sentiment_score":0.06043491140007973}],"sentiment":"neutral","sentiment_score":0.1630972714296409,"num_words":14,"start":2382.665,"end":2408.34},{"sentences":[{"text":"Yeah.","start":2408.48,"end":2408.98,"sentiment":"neutral","sentiment_score":0.1107284426689148},{"text":"Probably still, yeah, still wanna have those sort of property goals essentially because they only have something for the kids or leave leave the kids.","start":2423.115,"end":2432.58,"sentiment":"neutral","sentiment_score":0.04207295052707195},{"text":"Yeah.","start":2442.265,"end":2442.765,"sentiment":"neutral","sentiment_score":0.08513309061527252},{"text":"Yep.","start":2442.825,"end":2443.145,"sentiment":"neutral","sentiment_score":0.07408808916807175},{"text":"That's well, that sounds really Twiddox.","start":2443.145,"end":2445.005,"sentiment":"neutral","sentiment_score":0.06153821013867855}],"sentiment":"neutral","sentiment_score":0.049735371954739094,"num_words":34,"start":2408.48,"end":2445.005},{"sentences":[{"text":"I'd love to.","start":2464.67,"end":2465.47,"sentiment":"neutral","sentiment_score":0.24341282745202383},{"text":"Yes.","start":2465.47,"end":2465.97,"sentiment":"neutral","sentiment_score":0.16468998789787292},{"text":"I haven't yet.","start":2487.0,"end":2487.72,"sentiment":"neutral","sentiment_score":-0.014030245753626028},{"text":"I've seen with the with COM six thing.","start":2487.72,"end":2489.24,"sentiment":"neutral","sentiment_score":-0.0009468889329582453},{"text":"I just haven't even looked at it, but, yeah, maybe look into in into other areas.","start":2489.24,"end":2494.1401,"sentiment":"neutral","sentiment_score":0.02150075969984755}],"sentiment":"neutral","sentiment_score":0.03836370247506326,"num_words":31,"start":2464.67,"end":2494.1401},{"sentences":[{"text":"Mhmm.","start":2507.585,"end":2507.6648,"sentiment":"neutral","sentiment_score":0.10923592746257782},{"text":"Yep.","start":2507.6648,"end":2508.1648,"sentiment":"neutral","sentiment_score":0.08728180825710297},{"text":"Still accurate.","start":2508.2249,"end":2508.9648,"sentiment":"neutral","sentiment_score":0.06181934615597129},{"text":"Oh, yeah.","start":2533.995,"end":2534.3152,"sentiment":"neutral","sentiment_score":0.05602376535534859},{"text":"Okay.","start":2534.3152,"end":2534.715,"sentiment":"neutral","sentiment_score":0.09688779711723328}],"sentiment":"neutral","sentiment_score":0.07558453655136484,"num_words":7,"start":2507.585,"end":2534.715},{"sentences":[{"text":"It's the one.","start":2534.715,"end":2535.5352,"sentiment":"neutral","sentiment_score":0.18019268413384756},{"text":"We're yeah.","start":2550.4148,"end":2551.295,"sentiment":"neutral","sentiment_score":-0.010537689086049795},{"text":"We've definitely had the the conversations, but that's as far as it's gone so far.","start":2551.295,"end":2556.1948,"sentiment":"neutral","sentiment_score":-0.02110365921010574},{"text":"Yeah.","start":2557.9348,"end":2558.4348,"sentiment":"neutral","sentiment_score":0.03161204233765602},{"text":"Okay.","start":2571.38,"end":2571.8599,"sentiment":"neutral","sentiment_score":0.14778701961040497}],"sentiment":"neutral","sentiment_score":0.017379402182996273,"num_words":22,"start":2534.715,"end":2571.8599},{"sentences":[{"text":"Cool.","start":2571.8599,"end":2572.26,"sentiment":"neutral","sentiment_score":0.25510144233703613},{"text":"Alright.","start":2572.26,"end":2572.66,"sentiment":"neutral","sentiment_score":0.30789023637771606},{"text":"Sounds good.","start":2572.66,"end":2573.48,"sentiment":"positive","sentiment_score":0.44943778216838837},{"text":"Mhmm.","start":2596.05,"end":2596.55,"sentiment":"neutral","sentiment_score":0.017995387315750122},{"text":"Yes.","start":2608.655,"end":2609.155,"sentiment":"neutral","sentiment_score":0.021127920597791672}],"sentiment":"neutral","sentiment_score":0.2501650918275118,"num_words":6,"start":2571.8599,"end":2609.155},{"sentences":[{"text":"Yep.","start":2609.215,"end":2609.615,"sentiment":"neutral","sentiment_score":0.0076161897741258144},{"text":"Yeah.","start":2609.615,"end":2609.935,"sentiment":"neutral","sentiment_score":-0.004853647202253342},{"text":"That's it.","start":2609.935,"end":2610.295,"sentiment":"neutral","sentiment_score":-0.030840786173939705},{"text":"Yeah.","start":2610.295,"end":2610.575,"sentiment":"neutral","sentiment_score":-0.05575919896364212},{"text":"It's part of my that's why I'm just here.","start":2610.575,"end":2612.255,"sentiment":"neutral","sentiment_score":-0.10659993274344338}],"sentiment":"neutral","sentiment_score":-0.07671983024504568,"num_words":14,"start":2609.215,"end":2612.255},{"sentences":[{"text":"It's too hard with the job.","start":2612.255,"end":2613.295,"sentiment":"neutral","sentiment_score":-0.21902148487667242},{"text":"But you had no idea what's on what I've got on on a daily basis.","start":2613.295,"end":2618.25,"sentiment":"neutral","sentiment_score":-0.19679924448331196},{"text":"But, yeah, we'll just go for I don't know.","start":2619.19,"end":2621.03,"sentiment":"neutral","sentiment_score":-0.039251549169421196},{"text":"Should we go for Monday afternoon?","start":2621.03,"end":2622.57,"sentiment":"neutral","sentiment_score":-0.028480898588895798},{"text":"Next Monday.","start":2623.59,"end":2624.33,"sentiment":"neutral","sentiment_score":0.02263511624187231}],"sentiment":"neutral","sentiment_score":-0.12486833363379303,"num_words":38,"start":2612.255,"end":2624.33},{"sentences":[{"text":"We got 04:30, please.","start":2633.415,"end":2635.275,"sentiment":"neutral","sentiment_score":0.010704789776355028},{"text":"Okay.","start":2641.5,"end":2642.0,"sentiment":"neutral","sentiment_score":0.19087660312652588},{"text":"Yep.","start":2649.82,"end":2650.22,"sentiment":"neutral","sentiment_score":0.19472232460975647},{"text":"Alright.","start":2650.22,"end":2650.72,"sentiment":"positive","sentiment_score":0.41306090354919434},{"text":"Great.","start":2650.94,"end":2651.44,"sentiment":"positive","sentiment_score":0.7745523452758789}],"sentiment":"neutral","sentiment_score":0.20200391695834696,"num_words":8,"start":2633.415,"end":2651.44},{"sentences":[{"text":"Mhmm.","start":2699.93,"end":2700.43,"sentiment":"neutral","sentiment_score":0.04669056832790375},{"text":"Mhmm.","start":2723.255,"end":2723.755,"sentiment":"neutral","sentiment_score":-0.007916540838778019},{"text":"Okay.","start":2745.825,"end":2746.325,"sentiment":"neutral","sentiment_score":-0.002678574761375785},{"text":"Yep.","start":2760.57,"end":2761.07,"sentiment":"neutral","sentiment_score":0.03938724100589752},{"text":"Gotta get that one sent in there.","start":2771.755,"end":2773.4548,"sentiment":"neutral","sentiment_score":0.024906228695596968}],"sentiment":"neutral","sentiment_score":0.02271148132752966,"num_words":11,"start":2699.93,"end":2773.4548},{"sentences":[{"text":"Gotta get that one sent.","start":2775.6748,"end":2777.035,"sentiment":"neutral","sentiment_score":0.026564141735434532},{"text":"Make a big difference.","start":2777.035,"end":2778.095,"sentiment":"neutral","sentiment_score":0.05765662807971239},{"text":"Yeah.","start":2778.2349,"end":2778.635,"sentiment":"neutral","sentiment_score":0.05142489820718765},{"text":"Okay.","start":2778.635,"end":2778.875,"sentiment":"neutral","sentiment_score":0.06159472465515137},{"text":"That's fine.","start":2778.875,"end":2779.6948,"sentiment":"neutral","sentiment_score":0.0939972847700119}],"sentiment":"neutral","sentiment_score":0.05111241641526039,"num_words":13,"start":2775.6748,"end":2779.6948},{"sentences":[{"text":"Yes.","start":2820.48,"end":2820.98,"sentiment":"neutral","sentiment_score":0.031465739011764526},{"text":"Yep.","start":2841.45,"end":2841.77,"sentiment":"neutral","sentiment_score":0.01756272092461586},{"text":"No.","start":2841.77,"end":2841.8499,"sentiment":"neutral","sentiment_score":-0.052453164011240005},{"text":"No.","start":2841.8499,"end":2842.01,"sentiment":"neutral","sentiment_score":-0.062156520783901215},{"text":"That's it.","start":2842.01,"end":2842.73,"sentiment":"neutral","sentiment_score":-0.03188604861497879}],"sentiment":"neutral","sentiment_score":-0.021558887014786404,"num_words":6,"start":2820.48,"end":2842.73},{"sentences":[{"text":"So all all getting through.","start":2842.73,"end":2844.3499,"sentiment":"neutral","sentiment_score":0.11266786456108094},{"text":"Still working.","start":2845.05,"end":2845.79,"sentiment":"neutral","sentiment_score":0.23553098738193512},{"text":"Then, yeah, just just sign that form for you as well.","start":2846.25,"end":2852.9749,"sentiment":"positive","sentiment_score":0.35739720138636505},{"text":"All good.","start":2852.9749,"end":2853.7148,"sentiment":"positive","sentiment_score":0.6256014704704285},{"text":"Perfect.","start":2865.8699,"end":2866.3699,"sentiment":"positive","sentiment_score":0.7152917981147766}],"sentiment":"neutral","sentiment_score":0.33010786913690116,"num_words":21,"start":2842.73,"end":2866.3699},{"sentences":[{"text":"Mhmm.","start":2872.99,"end":2873.0698,"sentiment":"neutral","sentiment_score":0.13994303345680237},{"text":"Alright.","start":2873.0698,"end":2873.39,"sentiment":"neutral","sentiment_score":0.2973281145095825},{"text":"It sounds sounds good at all.","start":2873.39,"end":2874.5898,"sentiment":"positive","sentiment_score":0.6497408946355184},{"text":"Thanks very much for the call.","start":2874.5898,"end":2876.0498,"sentiment":"positive","sentiment_score":0.7956296702226003},{"text":"Yep.","start":2888.575,"end":2889.055,"sentiment":"neutral","sentiment_score":0.13264521956443787}],"sentiment":"positive","sentiment_score":0.6161426504453024,"num_words":15,"start":2872.99,"end":2889.055},{"sentences":[{"text":"Alright.","start":2889.055,"end":2889.455,"sentiment":"neutral","sentiment_score":0.25762781500816345},{"text":"Sounds good.","start":2889.455,"end":2890.275,"sentiment":"positive","sentiment_score":0.510577917098999},{"text":"Okay.","start":2891.689,"end":2892.0889,"sentiment":"neutral","sentiment_score":0.275973916053772},{"text":"Thank you.","start":2892.0889,"end":2892.8289,"sentiment":"neutral","sentiment_score":0.32163795828819275},{"text":"You too.","start":2892.889,"end":2893.7087,"sentiment":"neutral","sentiment_score":-0.1575527861714363}],"sentiment":"neutral","sentiment_score":0.2353659886866808,"num_words":8,"start":2889.055,"end":2893.7087},{"sentences":[{"text":"Alright.","start":2894.169,"end":2894.669,"sentiment":"neutral","sentiment_score":0.016094829887151718},{"text":"I'll I'll try not to.","start":2894.9688,"end":2896.0889,"sentiment":"neutral","sentiment_score":-0.16788055151700973},{"text":"Okay.","start":2896.0889,"end":2896.409,"sentiment":"neutral","sentiment_score":-0.0026796944439411163},{"text":"Bye bye.","start":2896.409,"end":2896.9888,"sentiment":"neutral","sentiment_score":0.022315584123134613},{"text":"See you.","start":2898.3289,"end":2898.9888,"sentiment":"neutral","sentiment_score":-0.02247656136751175}],"sentiment":"neutral","sentiment_score":-0.07511905242096294,"num_words":11,"start":2894.169,"end":2898.9888}]}}]}],"paragraphs":{"transcript":"\nChannel 1: For your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Oakview Financial annual review.\n\nChannel 1: Thanks. Please stay on the line. Ryan speaking.\n\nChannel 0: Hi, Ryan. It's Dana from Okey Financial. How are you this morning?\n\nChannel 1: I'm good this morning. Thank you. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had to book in to go through your interview. Is now still a good time there for you?\n\nChannel 1: Yes. Yep. It is.\n\nChannel 0: Fantastic. Before we jump into the call, I just have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Fantastic. And just a quick security check there with you as well. I just need to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yeah. Ryan Adams Stewart. 6 Of The 4th 80\n\nChannel 0: Yep.\n\nChannel 1: '2. Address\n\nChannel 0: Yep.\n\nChannel 1: is 9 Kerry Court, Coomera.\n\nChannel 0: Great. Thank you so much for that. Ryan, so we did actually send through your advice document and had tried to present that earlier in the year. Unfortunately, it has now expired. So we just need to do a new a new review with you and kinda go through and update all your circumstances,\n\nChannel 1: Okay.\n\nChannel 0: and then we can look to provide and update the advice for you. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Excellent. All good. Before I jump into the call oh, sorry. Before I go through things, I do also normally send through just a copy of your annual review documents there for you to review. Are you able to access your emails at the moment?\n\nChannel 1: Actually, so I reviewed it and signed it.\n\nChannel 0: The there, I believe\n\nChannel 1: Yeah. I'll\n\nChannel 0: let me have a quick look for you.\n\nChannel 1: see if I can pull it up as well. I'm just\n\nChannel 0: That's\n\nChannel 1: really\n\nChannel 0: okay.\n\nChannel 1: useless. I'm really useless\n\nChannel 0: No.\n\nChannel 1: with, like, admin, to be honest.\n\nChannel 0: Oh, it's okay. Okay. I will be here to assist you. Don't worry. I am sending you the annual review docs.\n\nThey'll appear in your email there as well shortly. I'll just go in and have a quick look at the recently sent documents for you.\n\nChannel 1: Yeah.\n\nChannel 0: So all here we go. Yeah. So the last document sent was on the April 21, and that one has expired. That one wasn't unfortunately signed.\n\nChannel 1: Oh, okay. Alright. I'm\n\nChannel 0: Yeah.\n\nChannel 1: not sure\n\nChannel 0: That's\n\nChannel 1: what I\n\nChannel 0: okay.\n\nChannel 1: was thinking then.\n\nChannel 0: That's okay. It's all good. Let's go through. We'll do a review of the circumstances, have a look at things now, and I'll go back and I'll update the advice. I can see we've got your third party authority all updated there as well.\n\nSo we'll be able to do updated research for you on, I believe, your Cbus account as well. So we'll go back and do some research, and I'll book you back in in a couple of weeks. We'll come back together and go through that advice document at a time that suits you. Okay?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: All good. Perfect. The first on that email, can you see the email that I've just recently sent through to you there at all?\n\nChannel 1: Yep. I've got one here. So I didn't able\n\nChannel 0: Yep.\n\nChannel 1: to sign that one.\n\nChannel 0: I will in a second. If you can\n\nChannel 1: Yeah.\n\nChannel 0: just before you press the sign button, if you scroll down slightly, you'll see some attachments on there. Can you see the attachments? One of those will say summary of superannuation and insurances.\n\nChannel 1: Yep. Click on that one.\n\nChannel 0: Yep. Beautiful. That one there, when it opens up for you, just gives you an update of your balances between the three different funds that you do hold at the moment.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: So hub twenty\n\nChannel 1: Cheers.\n\nChannel 0: four, you've got a balance there. Sorry. You are can you see that if you can't tell me to stop?\n\nChannel 1: Yeah. Yeah. Yep. Yep. I've got it there.\n\nSo, yeah, the hub\n\nChannel 0: You\n\nChannel 1: 20\n\nChannel 0: got\n\nChannel 1: 4\n\nChannel 0: it\n\nChannel 1: 187.\n\nChannel 0: there. 186, yeah,\n\nChannel 1: Yep.\n\nChannel 0: 9 68, and then bus queue's got about 30,000. Their c bus has twenty seven thousand five ninety two. So what we wanna be able to do and what we have been sort of wanting to try and help you to do is to consolidate as many of these as possible. So at the moment, you do have three super funds. It is more administration fees, but you also only have contributions going into one of those funds currently.\n\nSo being able to\n\nChannel 1: Yeah.\n\nChannel 0: maybe consolidate things back a little bit for you, streamline it, make it a bit easier, save you some fees, and make sure your money is growing as hard and working as hard as possible for you is the preference there.\n\nChannel 1: For sure. I mean, the reason\n\nChannel 0: Yeah.\n\nChannel 1: that c bus one is still open is because they offer extra benefits within the construction industry and and different insurances\n\nChannel 0: Mhmm.\n\nChannel 1: which BusQ doesn't offer. So that was\n\nChannel 0: Yeah.\n\nChannel 1: when I first changed over to BusQ, that was sort of, yeah, the the advice was to keep that one open because of those certain insurances. So\n\nChannel 0: Yeah.\n\nChannel 1: I am covered.\n\nChannel 0: Yeah.\n\nChannel 1: I've got a little bit of extra cover if I was to get injured at work.\n\nChannel 0: Yeah.\n\nChannel 1: So I don't know if that's worth still keeping that open or if we, yeah, like you say, can consolidate it for less\n\nChannel 0: Yeah.\n\nChannel 1: fees.\n\nChannel 0: Absolutely. Yeah. So we have been trying to work out what to do. The if you are looking to keep all three of those open, we would need to look at finding a way to be able to contribute into all three of them for you with the I'm just sort of having a look because with the insurances we do have at the moment, the are we? The c bus has the life in TBD giving you life of, at the moment, about 208,000 and a 124 of TBD.\n\nYour bus queue gives you, has a level cover of 200,000 of life and about 60,000 of TBD. But when we sort of break down the the rest of it, the bus queue also offers, like, TTD, which is sort of a temporary disablement, whereas C Bus doesn't really have any kind of income protection side of things there. So I think moving forward, just kind of reevaluating what it is that you actually wanna have with insurances, what you wanna have covered, and what your goals are will probably help us to decide which ones we do consolidate or whether we do keep all three open and whether we just look to make additional contributions out of your cash flow into one of those to kind of keep it working. Because the other thing is in order to have those refunds open, we need to make sure as well. That way, you can keep them open, keep them working, they can keep paying the insurance premiums.\n\nChannel 1: Yeah.\n\nChannel 0: One\n\nChannel 1: That's\n\nChannel 0: of the risks\n\nChannel 1: right.\n\nChannel 0: you do have is that if you stop paying contributions to one of the funds, most of them will continue to draw the insurance premiums for a period of time. But once the fund ends up with not enough money in there, then the insurances do cancel after a period of time as well. So\n\nChannel 1: Yeah.\n\nChannel 0: we just wanna\n\nChannel 1: I I\n\nChannel 0: make sure\n\nChannel 1: understand.\n\nChannel 0: that if you're wanting to keep all that cover there, that we do make sure that the cover is appropriate to you and that you are able to keep it working harder. Does that make sense? If it doesn't,\n\nChannel 1: Yeah.\n\nChannel 0: let\n\nChannel 1: It\n\nChannel 0: me\n\nChannel 1: does.\n\nChannel 0: know.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So if I look at the the kind of cover you're after with life and TCD, let's look at life first. So life is essentially in the event that you were to pass away.\n\nChannel 1: Okay.\n\nChannel 0: Your life cover currently with us here is sitting at 200,000. With c buses, 208. That is based on the research from the twenty third of covered limit you have there and also the balance, which could be different to what we have noted here. If you were to say pass away based on this information, you've got the 208,000 of life with Cbus, 200,000 of life with BusQ, and then your super balance is paid out on top of that to your beneficiaries. So we've got a $106.09 $6.08 in hub 24, 30,099 in bus queue, and approximately $27,005.09 2 sitting in c bus based on the research.\n\nThat essentially pays out a lump sum benefit to your beneficiary of, at the moment, 652,000. I'll go back and reconfirm the c bus side of things. But if\n\nChannel 1: Yes.\n\nChannel 0: you think about if you were to pass away today and that 652,000 was paid out, where do you want it to be paid to, and what do you want that to cover?\n\nChannel 1: Well, it'd be going to to my wife.\n\nChannel 0: Yeah. It's Angela?\n\nChannel 1: Yep. That's it. It'll all be going to\n\nChannel 0: Yep.\n\nChannel 1: her, and then, obviously, she will yeah. The kids the kids are too young to to receive any sort of money at the moment, but\n\nChannel 0: Yeah.\n\nChannel 1: she would also make sure that they were looked after\n\nChannel 0: Okay.\n\nChannel 1: in in the future if that was to happen. So a 100% of it would would go to to her.\n\nChannel 0: Yep. Excellent. So a 100% to Angela. Excellent. Now are you does she work?\n\nWhat if you were to pass away, would she need to would you be comfortable with that amount kinda covering debts and things like that? What kind of bills or debts would she have to cover up front if you were to pass away?\n\nChannel 1: Well, yeah, so we don't currently have a mortgage or anything like that. And\n\nChannel 0: Yep.\n\nChannel 1: we're actually yeah. So we're completely debt free. We don't\n\nChannel 0: Yep.\n\nChannel 1: have car loans, credit cards, mortgage, anything like that.\n\nChannel 0: Yep.\n\nChannel 1: And she also does work part time earning she earns maybe about $3.50 a week just working from home at at the moment.\n\nChannel 0: Okay. Oh, wait. Lovely. And do you think and this is a pretty tough question. I get that.\n\nBut do you think if you would have passed away, do you think she would wanna maybe keep working part time earning that same money, or do you think you'd rather have enough that she could take some time off and, you know, just raise the kids and think about, you know, what she wants to do moving\n\nChannel 1: I probably wanna wanna give her a couple of years at least just\n\nChannel 0: forward.\n\nChannel 1: to figure,\n\nChannel 0: A couple of years old?\n\nChannel 1: yeah, figure\n\nChannel 0: Yeah.\n\nChannel 1: figure life out again with without me. It's obviously would be a massive\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. A massive\n\nChannel 0: Okay.\n\nChannel 1: thing if it wants to happen.\n\nChannel 0: Absolutely. Absolutely. And when you think about the amount of the 652,000, the income I had for you last year was about a 140,000. Is that still the same income, or have you got a pay increase on that\n\nChannel 1: I've lost a thing with I just had my group certificate come through recently, and I think it it had gone up to about a 150. That's obviously before tax, so gross\n\nChannel 0: one\n\nChannel 1: income\n\nChannel 0: at\n\nChannel 1: was,\n\nChannel 0: all? Yeah. Yep.\n\nChannel 1: yeah,\n\nChannel 0: That's\n\nChannel 1: I think,\n\nChannel 0: okay.\n\nChannel 1: around a 150.\n\nChannel 0: That's absolutely fine. If you think about the life cover and the current benefit amount of $606,152,006 59, and if you divide that by a 150,000, it essentially, with no debts, would cover your gross income for your family for about 4.3. So just over four years. Do you think that is sufficient, or would you like me to go and see if I can do something with the cover and maybe look to consolidate or get you some more life cover? How do you feel about that?\n\nWhat would you like me to be able to do for this for you?\n\nChannel 1: I think that's probably pretty good.\n\nChannel 0: Yeah?\n\nChannel 1: Yeah. I think yeah. They could cover it for for four. Just over four years, I think that would be enough time for her to sort her shit out.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. Is there four years? It's time for her to work it out. Lovely. And how old are your kids?\n\nI've got you've got two children.\n\nChannel 1: Yeah. So kids are the daughter would be she'll be five in in about six weeks, and then the son's\n\nChannel 0: Yep.\n\nChannel 1: about just over two and a half.\n\nChannel 0: Okay. Beautiful. Lovely. Alright. So we're looking to make sure that we're covering about four or just over four years of income as you guys have no debts, and that would feel fairly sufficient for you for a life benefit between your super as well as the the life cover that you're insured for.\n\nDoes that sound accurate? Am I on the right track with that?\n\nChannel 1: Yeah. Yeah. Definitely. For for our current situation, yes.\n\nChannel 0: Yep.\n\nChannel 1: Obviously, down the track if we because we are looking at buying a property at some stage if of if we were to get a mortgage, you know, I'd have to reassess to make sure that that would be covered.\n\nChannel 0: Oh,\n\nChannel 1: But as\n\nChannel 0: absolutely.\n\nChannel 1: the current situation, yeah, comfortable currently.\n\nChannel 0: That's absolutely fine. And do you plan on buying that property within the next sort of twelve months, or is that more of a medium term goal down the track?\n\nChannel 1: Yeah. It's probably more of a medium. We're just sort of trying to get the kids off to well, they'll get one of the kids off to school so Ange can get back to work\n\nChannel 0: Yes.\n\nChannel 1: in more full full time capacity. So it's at least probably, I'd say, more likely twenty four months away.\n\nChannel 0: Yep. Beautiful. So that's two years away. And I definitely do agree with you. When you do happen to buy that property, let me know.\n\nI would absolutely be wanting to reevaluate your goals, your advice, and definitely your insurance aspects and things like that then as well. Okay?\n\nChannel 1: Yep. Yeah. Cool.\n\nChannel 0: Excellent. The other thing you have is TPD. So TPD pays out a lump sum benefit or an income stream in the event that you're unable to go back to work again. So totally permanently capacitated. You can also claim on your super benefit at the same time.\n\nSo you we can get basically, you're covered for the same amount between. Well, actually, no. Sorry. Your TBD is lower in your industry funds. So you currently have between the two funds, 60,000 and 124,000 of TBD.\n\nAnd then if we were to have your super benefit released, which is possible, 968 plus 399 plus 2700592, it essentially means that under the total permanent incapacity, your the level of cover you have for TBD between the insurances and your super balance is $428,006.59. Now TBD, as I mentioned, is total incapacity. So, essentially, you're claiming that if you can never go back to work again. I know one of the things over the last couple of years, it has been hard to sort of look at TBD or getting new cover for TBD because of your occupation. Unfortunately, being a rigor, very high risk of injury or\n\nChannel 1: Yep.\n\nChannel 0: claiming your disability. But has there been any changes to your occupation? Are you still in the same occupation? Are you doing more admin work? What does your job look like at the moment?\n\nChannel 1: Exactly the same.\n\nChannel 0: Exactly the same. Yep.\n\nChannel 1: Exactly the same, but probably just just more of it. Because, yeah, we're we're extremely busy at the\n\nChannel 0: Okay.\n\nChannel 1: moment.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah, just that same same role, same responsibilities, just, yeah,\n\nChannel 0: Yep.\n\nChannel 1: a hell of a lot more\n\nChannel 0: Beautiful.\n\nChannel 1: of it.\n\nChannel 0: Yep. Beautiful. And can I ask, I'm so sorry? I'm a novice, and I work in finance. So I don't\n\nChannel 1: That's fine.\n\nChannel 0: exactly understand what it is that you do, but what does a rigger do? What is your day to day role or tasks look like?\n\nChannel 1: Okay. Well, so well, you guys are both based in the Gold Coast, aren't you?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So you see all those big tower cranes up in the air\n\nChannel 0: Yep.\n\nChannel 1: building all these\n\nChannel 0: Yep.\n\nChannel 1: apartment buildings?\n\nChannel 0: Yep.\n\nChannel 1: I'm the one putting in the big concrete precast elements on those on those buildings.\n\nChannel 0: Right. Right. And you're at the top of the of the crane. Is that right? Or are you at the top of the building?\n\nChannel 1: I'm I'm not I'm not yeah. I'm not in the cab of the crane, but I'm telling the guy in the cab of the crane what to do and where to put these concrete elements. And\n\nChannel 0: Okay.\n\nChannel 1: yeah. So, yeah, we we yeah. We installed concrete precast, which\n\nChannel 0: Yep.\n\nChannel 1: involves, obviously, the installation side of it, but then there's a lot of physical elements to it with the propping propping systems that we have to use and and structural grouting and and all that. So it's a very physical job as well\n\nChannel 0: Absolutely.\n\nChannel 1: in that sense.\n\nChannel 0: Okay. And are you basically on the ground when you're doing your role? You're not sort of up high at all?\n\nChannel 1: Well, as the building progresses up, we're also we're\n\nChannel 0: Yep.\n\nChannel 1: going up with it because what we are doing\n\nChannel 0: You're\n\nChannel 1: is\n\nChannel 0: on\n\nChannel 1: part\n\nChannel 0: the\n\nChannel 1: of the\n\nChannel 0: building?\n\nChannel 1: structural\n\nChannel 0: Yep.\n\nChannel 1: the the structure of the project. So we put the\n\nChannel 0: Yep.\n\nChannel 1: walls up essentially, and then you have concrete poured over top of that, and we come on to the next level, put put more walls up, pour more concrete, and so on and so forth until we we top out at whatever level the building's going to.\n\nChannel 0: Okay. Yep. Perfect. Perfect. I have a much better understanding of that.\n\nThank you so much. I do apologize. I definitely in this role, you get to learn a lot about what people do. But, I mean, in construction, especially, you have so many different components and parts and people that do all these different roles.\n\nChannel 1: Yeah.\n\nChannel 0: I just always have to make sure I understand a little bit more about it. Look. What\n\nChannel 1: It's\n\nChannel 0: I\n\nChannel 1: fine.\n\nChannel 0: would what\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: would\n\nChannel 1: get\n\nChannel 0: probably\n\nChannel 1: it I get\n\nChannel 0: like\n\nChannel 1: it\n\nChannel 0: to\n\nChannel 1: all\n\nChannel 0: do\n\nChannel 1: the time. It's like, what do you do? And I tell them, and they're like, what? You\n\nChannel 0: yeah.\n\nChannel 1: know?\n\nChannel 0: No. That's that's absolutely fine. In the event of, say, permanent capacity, so if you were never able to go back to work again because of, you know, something happening in your role, do you think that 420,000, if I sort of the 428,000, if I divide that by your current gross income, it essentially gives you a little over two years. It's under three years, so two years and eight months worth of gross income noting that, obviously, tax is there. So you could probably reduce that back a little bit and get about three years worth of income out of that.\n\nBut that would use up all of your insurances plus your super. And one of the most important things to consider is that when you claim on TBD, when you're under the age of 60, unfortunately, and I wholeheartedly disagree with this, but the government actually taxes you. The tax can be up to 22%. It depends on your age and stage and a few other factors that the tax can be lessened. And we as advisers, if you claim on TPD, we'll help you with the claim, but then we will also provide advice on how to structure things to help limit that.\n\nBut do you feel like that level of TBD you have is sufficient, or would you wanna maybe look at trying to get something else? And I'm happy to go back and do all the research I can on what I can get CBD wise to assist you. But did you want me to maybe look at some other cover and see what else I can come up with?\n\nChannel 1: I think we would need to look at a little something a bit more than yeah. Two years isn't\n\nChannel 0: More?\n\nChannel 1: really gonna be enough.\n\nChannel 0: Yep. How many years of income replacement would you feel comfortable with do you think as a base knowing that Angela could definitely go back to work later down the track? Would you want me to cover, you know, five or ten years worth of net or gross income or a little bit less? What would you be comfortable with having?\n\nChannel 1: Probably, let's say, probably, like, five years worth of color.\n\nChannel 0: Yep. Did you want me to work on gross income or net? Gross obviously does. Because it's gross, it covers the tax side of things, but it also can just give you a little bit of a buffer in case you have income increases down the track, or I could look to make it a bit cheaper and focus on five years of net income for you. What would you prefer?\n\nChannel 1: Bloody, this government and their taxes really screws everyone, doesn't it?\n\nChannel 0: It is. It's disgusting, honestly. I do not like I think if if you're injured and you can't get back to work again, the last thing you should be doing is paying I don't don't like it at\n\nChannel 1: Yeah.\n\nChannel 0: all.\n\nChannel 1: Yeah. It's just another money grab. I'll look at let's just\n\nChannel 0: It\n\nChannel 1: go on\n\nChannel 0: is.\n\nChannel 1: on the gross.\n\nChannel 0: On the gross? Yep. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: And what I'll do is I'll update the advice for you. I'll go back and reflect things. Now because of your occupation, it can be difficult to get TBD. So I can look to keep whatever I can with the funds you have here at the moment. There\n\nChannel 1: Mhmm.\n\nChannel 0: may be a possibility where we can't get. So to kind of break down TBD, and it gets a little bit confusing, and I do apologize. Let me know if you have more questions. But there are different definitions to claiming on TPD. The most the best definition you can have is an own occupation.\n\nThat means that you would have to be unable to ever go back to work in the occupation you were doing prior to your disability. That kind of occupation for TPD has to be paid out of your back pocket. It can't be paid for inside paper. It does make that kind of cover a lot more expensive. It would be very hard to probably get that for your occupation.\n\nSo the other definition you have with the bus queue and the c bus isn't any occupation, and that means that in order for you to claim on TBD, you just have to have doctors proving that you're never gonna go back to work again for any occupation for which you were educated, trained, or have worked in the past. It does\n\nChannel 1: Mhmm.\n\nChannel 0: make it a lot harder to claim on those definitions. But if you I mean, with your role, if something\n\nChannel 1: Mhmm.\n\nChannel 0: people, in super. There are other definitions. So these are the most common ones in super, but they are depending on what your occupation is. A lot of insurers have trouble with the risk level of giving in any occupation definition. So it means that when I look at retail or other providers, aside from what you already have, they may not offer the same type of cover.\n\nI may be able to get and I will look at all the options I have available and see what the insurers are gonna offer. But the third definition with the TPD is ADL, and it just basically means that you are never able to go back to work again and that you require assistance with eating. So eating, dressing, bathing, driving, just, you know, normal everyday living. It is\n\nChannel 1: Yep.\n\nChannel 0: a much harder definition to claim on, but I might be able to get some sort of top up cover for you to build it up to level you need. It may have to be this ADL definition. If I can only go that way, I would try to keep everything you have to give you the best possible claim up front. And then we\n\nChannel 1: Mhmm.\n\nChannel 0: have this backup cover down here, which might be a different definition. But are you comfortable with me looking at all those options and coming up with whatever I possibly can to give you that extra level of cover even if it's a different definition.\n\nChannel 1: Yeah. Yes. I am.\n\nChannel 0: Yeah. Yeah. Beautiful. Do you have questions? It is a lot.\n\nIt can be a bit confusing with the the type of TBD, what it is, what the definitions are, how it can be claimed. Did you want me to break anything of that down more for you? Did you have further questions in relation to any of\n\nChannel 1: I\n\nChannel 0: that,\n\nChannel 1: think\n\nChannel 0: Ryan?\n\nChannel 1: I've got a pretty yeah. A pretty good understanding of it.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I'll say\n\nChannel 0: Beautiful.\n\nChannel 1: it's been for, like, the preference would be something that can be paid within my super, and, obviously,\n\nChannel 0: Yes.\n\nChannel 1: the best best possible cover would\n\nChannel 0: Yes.\n\nChannel 1: be my sort\n\nChannel 0: Perfect.\n\nChannel 1: of my\n\nChannel 0: Perfect.\n\nChannel 1: request down with that one.\n\nChannel 0: Yeah. Absolutely. Perfect. And the other thing to look at, we also do have other types of personal insurances like income protection. Now I know with your your bus queue policy, you have TTD, which is a total it's sorry.\n\nTemporary disablement is part of your TBD, and it means that if you are unable to go to work for a certain period of time, they can pay out, like, a lump sum or a little bit of money as a temporary disablement. I also am aware that with your sea bus, there are often differences. It doesn't look like there's anything attached there at the moment, but BusQ and SeaBus and sometimes unions offer different types of cover. Do you have any kind of income protection cover that you're aware of through your union, your company that you work for, or through BusQ or bus that you're aware of.\n\nChannel 1: Yeah. There is so my boss pays into another separate fund. I think it's called CIP,\n\nChannel 0: Yep.\n\nChannel 1: which is another income protection insurance thing, and that's through the through the union. And then I've also also got another one which he pays into, which is called the Birch Fund, and that's more of like a redundancy type payment.\n\nChannel 0: Okay.\n\nChannel 1: If I was to\n\nChannel 0: Yep.\n\nChannel 1: be made\n\nChannel 0: We're\n\nChannel 1: redundant\n\nChannel 0: done.\n\nChannel 1: from my job, there'd be a, yeah, a payment made out of out of that.\n\nChannel 0: Yep. Yep. Perfect. Excellent. And with the the CIP, are you aware of the level of cover that you have, the waiting periods, and the information around the income protection\n\nChannel 1: No. I oh, that's one I haven't looked into.\n\nChannel 0: policy? Yep. That's okay. Are you happy with just retaining that for now, or did you want me to look at trying to maybe obtain some sort of income protection or, like, expenditure protection insurances that might pay out if you're unable to go to work in the short term to help cover your regular expenditure of your family.\n\nChannel 1: I might just do a bit more research on the CIP side of things\n\nChannel 0: Yep.\n\nChannel 1: first and just\n\nChannel 0: Beautiful.\n\nChannel 1: sort of see what what level of cover they've got in there. And then if if I find it's it's not enough, I guess I could just touch base with you guys again and look\n\nChannel 0: Yep.\n\nChannel 1: at something\n\nChannel 0: Yeah.\n\nChannel 1: someone else, a little bit of better added extra stuff.\n\nChannel 0: Yep. That's absolutely fine. If you're able to contact your payroll and find out a bit more about the policy, even if you can send any information through to me, that would be great. I can always break it down and have a look at what the policy is and be able to give you assistance on this general information about what it is, what you're covered for, the waiting periods, the benefit periods. I can pull a PDF apart for you as well and and give you some information around it to help you out.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: if you're\n\nChannel 1: Okay.\n\nChannel 0: able\n\nChannel 1: It's\n\nChannel 0: to\n\nChannel 1: all\n\nChannel 0: get that information, definitely do. If not, that's okay. I can scope out the income protection side of things for the time being, and then we can just focus on that down the track. Does that sound okay with you?\n\nChannel 1: good. Yeah. Yep. That sounds\n\nChannel 0: Yep.\n\nChannel 1: great.\n\nChannel 0: Beautiful. Excellent. Now there are, again, other types of insurances. And, look, you can insure everything to the health. It's about what's important to you.\n\nWhen we look at personal insurances, you have life, TPD, income protection, and they also have trauma. Now trauma can pay out a lump sum benefit in the event that you're unable to or that you'd start diagnosed with a major traumatic condition. Often, the major conditions might be heart attack, stroke. Cancer's probably a big one. Parkinson's, MS, other neurological conditions.\n\nIf you lose a limb or become permanently blind, there are those sorts of things. Trauma is an out of pocket expense, so you can't pay for inside super. It does have to be paid for out of your back pocket. But unlike TBD or income protection, there's no no employment restrictions on this sort of cover. So, basically, with trauma sorry.\n\nIf you are diagnosed with a major traumatic condition, say you got cancer tomorrow, there's no waiting periods or definitions. You just have to fill out the claims paperwork. The doctor signs off to say, yes. You've been diagnosed with cancer, and then a lump sum payment is made to you. It is tax free.\n\nThere's no tax consequences for it,\n\nChannel 1: No. Wow.\n\nChannel 0: and it can it is a lot easier to claim on. It can be really cheap to have maybe one or two years worth of income replacement. It gets more expensive, those level the higher the level of cover you have. Some people do have that as an offshoot to income protection or a bit of a buffer for other insurances. Some people prefer that instead.\n\nIt just comes down to what you're comfortable with and also can you afford to pay for the insurances out of your back pocket? Did you want me to look at any kind of trauma for you? Or\n\nChannel 1: I'm putting not at this stage. I think I'll I'll leave the\n\nChannel 0: mhmm.\n\nChannel 1: trauma one for now.\n\nChannel 0: Yep. That's absolutely fine. Not a problem at all. Lovely. So I'll look at life and TBD for you.\n\nWe will scope out the income protection and not and and scope out any trauma for the moment. That's absolutely fine. The other thing to sort of look at is if you are if we do need to keep the three super funds open, we need to be able to make sure contributions can be going in. Now what does your expenditure look like through your household at the moment? Are you guys finding that you have any savings on a weekly or fortnightly or monthly basis?\n\nHow's everything looking?\n\nChannel 1: Yeah. Pretty pretty good at the moment.\n\nChannel 0: Yeah?\n\nChannel 1: Generally, yeah, can sort of be saving a minimum of 200 a week.\n\nChannel 0: 200 per week? Beautiful.\n\nChannel 1: Yeah. At a minimum. Some some weeks, it's a bit more.\n\nChannel 0: Yep. That's okay. So if we did look to keep the c bus and the bus queue open as well as they have 24 and make contributions in, is your employer open, or do you think they'd be willing to split your contributions out, or would you be needing to make contributions to each fund, maybe some from your bank account, some from your employer? How do you think that might be perceived by your\n\nChannel 1: I don't actually\n\nChannel 0: boss?\n\nChannel 1: know. I'll I'll I'll have to ask a question. Obviously, I need to keep the bus queue because of the\n\nChannel 0: Mhmm.\n\nChannel 1: because I work for the union in in in Queensland\n\nChannel 0: Yes.\n\nChannel 1: at Bayard. So that's the central. I have to keep that one open, and that's what they pay into.\n\nChannel 0: Yes.\n\nChannel 1: With the c bus one, I mean, like yeah. If I mean, I'm happy to probably close that one or\n\nChannel 0: Yes. Mhmm.\n\nChannel 1: or consolidate it into the hub 24 or something as long as I've got those same sort of benefits.\n\nChannel 0: Yep. Keep those insurances\n\nChannel 1: Yeah.\n\nChannel 0: at the license levels. Yep.\n\nChannel 1: Yeah. At that same sort of levels, I'll be happy\n\nChannel 0: Yep.\n\nChannel 1: to, yeah, consolidate that\n\nChannel 0: Yep.\n\nChannel 1: that save us\n\nChannel 0: That's\n\nChannel 1: and just\n\nChannel 0: okay.\n\nChannel 1: get rid of that one.\n\nChannel 0: Yeah. That's okay. If I was to maybe make a recommendation that you kept the three funds open and that we were to maybe put some additional contributions in, would you be comfortable with me maybe telling you that we keep bus queue and hub 24 the way it is and we keep c bus open, but you make an additional contribution to, say, c bus to, a, keep the insurances working in place, but, b, make the cost worthwhile of having free funds? Is\n\nChannel 1: Yeah.\n\nChannel 0: that something you're open\n\nChannel 1: I think\n\nChannel 0: to me\n\nChannel 1: it\n\nChannel 0: doing?\n\nChannel 1: yeah. Yeah. It did. Just give us a breakdown of of what that would require, like, payment wise\n\nChannel 0: Yep. Yep.\n\nChannel 1: and nothing else. So, yeah, make it more of an educated thing from that.\n\nChannel 0: Yeah. Yeah. Absolutely. We can do that. Not a problem.\n\nI'll do the research against the funds and what this looks like and what you might have to contribute. If you're able to save about 200 per week, I wouldn't you wanna use up all of your savings, but just making sure that it is worth the cost of having them open. Okay?\n\nChannel 1: Mhmm. Yep. Okay.\n\nChannel 0: Excellent. Fantastic. Now sorry. The only other thing to sort of go through is I've confirmed your income. That's increased.\n\nWe'll update that for you. Beautiful. With your super fund at the moment, now one of the other forms you have on that email is your hub twenty four performance report. If you're able to click on that one, it goes to and tells you what your hub twenty four has done for the year performance wise.\n\nChannel 1: Yep. I was having a little look at you, the little grass\n\nChannel 0: Yep.\n\nChannel 1: this morning in regards\n\nChannel 0: Oh,\n\nChannel 1: to\n\nChannel 0: nice.\n\nChannel 1: that. Yep.\n\nChannel 0: If you scroll if you open that one up and scroll to the second page, it essentially shows that with the internal rate of return net of fees, your super fund has made 8.89% return. So that is quite a good return for where you are, essentially with no contributions going in. It is solely the portfolio working and building. Some people\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: do prefer a dollar figure as opposed\n\nChannel 1: Okay.\n\nChannel 0: to a percentage, and it essentially shows as a dollar figure, your super funds within hub twenty four has made $18,680.40 for the year. That's growth and income.\n\nChannel 1: So is that and that's with no contributions.\n\nChannel 0: That's\n\nChannel 1: Okay.\n\nChannel 0: with no contributions because they're\n\nChannel 1: Yeah.\n\nChannel 0: all going into bus queue there.\n\nChannel 1: I'm with\n\nChannel 0: So\n\nChannel 1: regards to yeah.\n\nChannel 0: yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So the super fund\n\nChannel 1: Oh,\n\nChannel 0: has been working, doing what it needs to. This year has also been very up and down with what's been happening globally there as well. So it is kind of good to see that, you know, you have come out with a positive return. You're in kind of a high growth environment. So, essentially, when you think about high growth, you normally see about 90% of your super invested in growth assets.\n\nThese are things like Australian\n\nChannel 1: I got\n\nChannel 0: shares,\n\nChannel 1: a text.\n\nChannel 0: international shares, listed property, and commodities like gold and silver. You are taking a bit more risk to be in that kind of high growth environment. So you are wanting to see those greater returns. Generally speaking, when you think about the risk profile returns where you're sort of wanting to see around about eight to 10% on a yearly basis. So the 8% that you have, 8.89 is within that range.\n\nIt's about middle\n\nChannel 1: Mhmm.\n\nChannel 0: range for your portfolio, which is good. But in that high growth environment, you are taking a bit more risk. So you do understand that when there are negatives, when there are down times, the portfolio will show that. It will be magnified. But when\n\nChannel 1: Yeah.\n\nChannel 0: you see good times, then the returns are much higher because\n\nChannel 1: And that's\n\nChannel 0: of that.\n\nChannel 1: odd. Yeah. And I'm and I'm\n\nChannel 0: Yeah.\n\nChannel 1: comfortable with it being more high risk because it with\n\nChannel 0: Yep.\n\nChannel 1: my current position, current age and stuff. And I think last time, we spoke maybe yeah. As we get older and slowing down and stuff, we'll probably reduce the risk. But I think at\n\nChannel 0: Oh,\n\nChannel 1: the moment, yeah, higher\n\nChannel 0: absolutely.\n\nChannel 1: higher risk, but a higher reward is is, yeah, the time timing now.\n\nChannel 0: Absolutely.\n\nChannel 1: Oh,\n\nChannel 0: Definitely.\n\nChannel 1: wait. Right?\n\nChannel 0: And, look, having a look at things. So you're 44 this year. So, you know, you're basically the same age as me. You've got a lot of time ahead of you. You can't really access supers at the age of 60 at the moment.\n\nSo having a bit more risk now is preferable. If you were about sort of eight years away from accessing those funds, I would be absolutely pulling you back and saying, no. We need to start reducing the risk level now, but you\n\nChannel 1: Yeah.\n\nChannel 0: can still keep that working and growing a bit longer. And then we just keep reviewing it with you regularly. And then when\n\nChannel 1: Mhmm.\n\nChannel 0: you are closer to accessing super, generally in that age 50 to 60 age range, we'll start really starting to be a bit more aggressive and pull things back a little bit, reduce the risk level gradually. So by the time you hit retirement, you're not sitting in high risk, and you haven't done a drastic drop. We've moved it down gradually. It stepped you down\n\nChannel 1: Yeah.\n\nChannel 0: over time. Yeah.\n\nChannel 1: Yeah. Yeah. Yeah. No. That sounds good.\n\nI'm comfortable with with that game plan.\n\nChannel 0: Then fantastic. Excellent. So I just wanted to quickly do a risk profile questionnaire as well just to reconfirm that, and that you have sort of said you are comfortable in a high growth environment. But I just had sort of two questions to ask to to sort of gauge how you might react in certain circumstances. If you did see a major market dip in the next sort of one to two years and your portfolio fell by 20%, how do you think you might be feeling?\n\nDo you think you'd be comfortable? Maybe an opportunity to invest more money and wanting to put maybe some funds into the investment while it's down. Do you think you'd be maybe calling us and having a chat, feeling a little bit concerned, or are you very anxious and maybe wanting to sell the investments to cash? How do you think you might react?\n\nChannel 1: Again, if it was in a couple of years, I know I've got time for it to bounce back. So I'd probably be looking at maybe buying some while they're low\n\nChannel 0: Yep. Mhmm.\n\nChannel 1: on the hope or provider that it's gonna come back up and then should should actually, in the long term, create more wealth.\n\nChannel 0: Yep. Yep. Beautiful. That's a really good answer. I love that.\n\nWhen you I'm just going to so I'd sort of say you're feeling more optimistic about the investment opportunities in that sort of instance. Am I right with that answer?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Beautiful. Beautiful.\n\nChannel 1: Mhmm.\n\nChannel 0: Have you ever owned shares or managed funds in your own name before?\n\nChannel 1: I've got some shares through Comsec that\n\nChannel 0: Yep.\n\nChannel 1: I've chucked, like, a $100 and do, like, four years ago, and it's sitting at, like, a 150. I literally do not do anything with it. It's just it's here.\n\nChannel 0: No. That's okay. That's absolutely fine. So you do own shares in your own name. Fantastic.\n\nAnd the last question here is, how do you feel about the the idea, sorry, of a of borrowing money from a financial institution in order to invest? Do you feel like it's too risky? You would only do so under advice, you'd be comfortable doing so, or would you only ever wanna borrow from a bank to buy maybe property? Where do you think you might fit in that\n\nChannel 1: I don't know. Because, yeah, we've worked really hard to become debt\n\nChannel 0: instance?\n\nChannel 1: free.\n\nChannel 0: Yeah.\n\nChannel 1: So I really not don't like the idea of debt, but in saying that if it was under under advised, then I would definitely\n\nChannel 0: Mhmm.\n\nChannel 1: consider it. Yes.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: If everything so the yeah. If it was to,\n\nChannel 0: Yep.\n\nChannel 1: yeah, line up.\n\nChannel 0: Yep. Yep. Absolutely. No. Beautiful.\n\nWell, you have definitely scored during that high growth environment, and due to your age and stage, I'm happy to keep you there. I'll\n\nChannel 1: Mhmm.\n\nChannel 0: update the advice and do some changes. I have sorta had a look at the investment portfolio and can sort of see that I'd like to switch some of the investments out. So whilst you have got a good return, I can see one or two investors that might be underperforming a little bit and would like to maybe change up your portfolio there as well.\n\nChannel 1: Okay.\n\nChannel 0: There are different ways of investing. So you can have what's called, an actively managed portfolio, which is where you invest in investment managers who are trying to outperform against the market. You can pay a little bit more to have those sorts of investors in your portfolio. But and, look, there's no guarantees that these investment managers can outperform. Some years, they do really well.\n\nOthers, they don't perform as well. But then there's also passively managed portfolios, which are tracking the market. Having a few of those is diversifying lower cost. They can still perform much greater. And in certain market conditions, this participating in the market actually does better than having investment managers that are trying to outperform against the market.\n\nDo you the market. Do you feel like you would like to have a bit more active management in your portfolio with different managers, or would you like to see something a bit more low cost, maybe keep fees lower in your portfolio? What would you like me to sort of see things through?\n\nChannel 1: I mean, I'm sort of happy with with how it's performing at the moment. Like, you know, as you said,\n\nChannel 0: Yep.\n\nChannel 1: it's between that sort of 810% range.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I think at the moment, just sort of keep it keep it as it is.\n\nChannel 0: Yep. Are you\n\nChannel 1: That's\n\nChannel 0: happy for me just to go back and review some of the investments and just remove\n\nChannel 1: oh,\n\nChannel 0: some\n\nChannel 1: yes.\n\nChannel 0: underperforming\n\nChannel 1: Yeah. Yeah. Def\n\nChannel 0: ones? Yep.\n\nChannel 1: yeah. Yeah. Yeah. Definitely\n\nChannel 0: Yep.\n\nChannel 1: do that.\n\nChannel 0: Beautiful. I'll have a look at the portfolios that we have because this is one of the older ones as well. I'll look at what you've got whether just switching some investments works well or whether maybe switching the entire portfolio tracking forward. I can keep it in that high growth sort of range for you, and you still wanna see some active management in your portfolio. Is that right?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. Excellent. And just going through and updating all of your assets and liabilities there at the moment. Now last time we called up, you had some cash in the bank of that 75 Do you still have that cash in the bank?\n\nChannel 1: We bought a caravan, so it's back down to it's about 55 now.\n\nChannel 0: 55? Fantastic. And I'll just add the caravan on here as well.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. What value would you put on the caravan there?\n\nChannel 1: I got 20.\n\nChannel 0: 20,000? Fantastic.\n\nChannel 1: Yep. $20.\n\nChannel 0: Lovely. And that's all earned out right since you used the cash to purchase\n\nChannel 1: Yep.\n\nChannel 0: it?\n\nChannel 1: Correct.\n\nChannel 0: Yep. Fantastic. Excellent. I've also got your vehicle, which is a Jeep Grand Cherokee. Do you still have the same vehicle?\n\nChannel 1: Yeah. So, yeah, still got that.\n\nChannel 0: Fantastic. Value on that last year was about 30,000. Would you update or change that value at all?\n\nChannel 1: It's probably dropped to be fair. It's probably around about 25 now.\n\nChannel 0: Yep. Absolutely fine. Beautiful. And then I've got contents and tools, a combined value of 75,000. Would you keep that about the same or maybe alter that?\n\nChannel 1: No. That's that that's still around about the same.\n\nChannel 0: The same? Excellent. And then your boat with a value of 15,000, would you update or change that at all?\n\nChannel 1: Oh, I actually solved that.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Excellent. And then rent, we had you guys paying about 750 per week. Has the rent stayed the same this year?\n\nChannel 1: So It's gone up to $8,810 per week now.\n\nChannel 0: $8.10 per week? Lovely. Thank you for updating that.\n\nChannel 1: Okay.\n\nChannel 0: Appreciate it.\n\nChannel 1: All good.\n\nChannel 0: Medium medium term goals I have down here that you're wanting to purchase property generally around the next sort of twenty four months then.\n\nChannel 1: Mhmm.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: also had it down the ridge in that moving forward, you would like to build more of a property portfolio towards your time and as well. Is that still one of your goals, or are you happy with just being able to purchase your main primary residence and move your family in there in the next couple of years? What sort of\n\nChannel 1: Probably\n\nChannel 0: other property\n\nChannel 1: still,\n\nChannel 0: goals do you have?\n\nChannel 1: yeah, still wanna have those sort of property goals essentially because they only have something for the kids or leave leave the\n\nChannel 0: Yep.\n\nChannel 1: kids.\n\nChannel 0: Yep. So buy investment properties to hold as an estate planning sort of thing for generational wealth.\n\nChannel 1: Yeah. Yep. That's well, that\n\nChannel 0: For\n\nChannel 1: sounds\n\nChannel 0: each\n\nChannel 1: really\n\nChannel 0: of the\n\nChannel 1: Twiddox.\n\nChannel 0: kids. For each of the kids to build generational wealth. Very good. Excellent. Fantastic.\n\nI've got down here with regard to your super that you were hoping to be able to access that and hopefully retire around about age 60. Is that still our goal? We wanna retire as soon as we possibly can.\n\nChannel 1: I'd love to. Yes.\n\nChannel 0: Yep. Beautiful. Excellent. Yeah. I've got down here that with your direct your personal shares in Comsector that you were wanting to put additional funds into that down the track.\n\nAre you wanting to build that investment portfolio, or you're sort of more open to investing in other areas?\n\nChannel 1: I haven't yet. I've seen with the with COM six thing. I just haven't even looked at it, but, yeah, maybe look into in into other areas.\n\nChannel 0: Yep. Beautiful. Lovely. And then I've got down here that in the event of passing, you want all the super and your life proceeds to be passed to your wife, Angela. That's still appropriate and accurate.\n\nLovely.\n\nChannel 1: Mhmm. Yep. Still accurate.\n\nChannel 0: I've also just double checked your beneficiary nomination on hub 24 there as well and noted that it is a 100% to Angela. You've got a binding non lapsing nomination, which is good. It means that you've found the trustee to follow your direction, and non lapsing means you don't have to keep filling out that form on a regular basis. We will just double check that with you every year to make sure it's still appropriate. If at any point you want that changed, we can have it updated for you.\n\nOkay?\n\nChannel 1: Oh, yeah. Okay. It's the one.\n\nChannel 0: Excellent. All good. Also noted here, you don't have a will and power of attorney or haven't in the past. Have you ever drawn up a will, power of attorney, or have you and your wife ever spoken about doing these documents with a a lawyer?\n\nChannel 1: We're yeah. We've definitely had the the conversations, but that's as far as it's gone so far.\n\nChannel 0: Not done yet. That's okay. I can also\n\nChannel 1: Yeah.\n\nChannel 0: scope in the estate planning side to your super if you like just to recommend that you do do so. We can refer you to a solicitor and provide some additional information on how how to get those done to help you guys out as well.\n\nChannel 1: Okay.\n\nChannel 0: Excellent.\n\nChannel 1: Cool. Alright. Sounds good.\n\nChannel 0: Lovely. Now it has been your last pre assessment was actually done up in late twenty twenty four. I like to do a new pre assessment with you if possible just so when I'm doing research with the insurance providers, I can really look at what contracts might be on offer, especially with your Occhiopation just making sure, you know, we can get the best possible outcome for you. Is there a\n\nChannel 1: Mhmm.\n\nChannel 0: day maybe this week or next week that I could get one of my admin team to give you a call? I know afternoons tend to work better, and just go through a quick five minute pre assessment with you.\n\nChannel 1: Yes. Yep. Yeah. That's it. Yeah.\n\nIt's part of my that's why I'm just here. It's too hard with the\n\nChannel 0: Good.\n\nChannel 1: job. But\n\nChannel 0: No. That's\n\nChannel 1: you had\n\nChannel 0: okay.\n\nChannel 1: no idea what's on what I've got on on a daily basis.\n\nChannel 0: Okay.\n\nChannel 1: But, yeah, we'll just go for I don't know. Should we go for Monday afternoon?\n\nChannel 0: Yeah.\n\nChannel 1: Next\n\nChannel 0: I can\n\nChannel 1: Monday.\n\nChannel 0: do that. Not a problem at all. So next Monday, I could do sort of four, 04:30, 5PM. What would be better for you, do you think?\n\nChannel 1: We got 04:30, please.\n\nChannel 0: 04:30? Yeah. Not a problem. I'll add a little text message reminder on there for you just so it sends you a message to let you\n\nChannel 1: Okay.\n\nChannel 0: know we'll be calling, and my admin team will run through a quick pre assessment with you, get the information that they need, and then I can complete the research on things. Okay?\n\nChannel 1: Yep. Alright. Great.\n\nChannel 0: Beautiful. Now the only other thing to let you know is the signing section of that document you've received, that is essentially the ongoing service agreement. Now previously, we've had a set fee structure where it was 1.65%. That is the yearly percentage of our service fees, and then the fee is deducted in smaller monthly increments. We have recently had to update and change our ongoing service fee, which is now gonna be a tiered structure, a bit like the tax bracket.\n\nSo, essentially, with your balance being from 0 to 200,000, our percentage is 1.65%. And then once your balance hits 200,000 to 500,000, for the balance over 200,000, the ongoing service fee percentage drops, to 1.375. Once your super\n\nChannel 1: Mhmm.\n\nChannel 0: balance hits over that 500,000 mark, then you go into the next tier. It's essentially just making sure that as your super balance grows, that the the percentage of the ongoing service fee decreases a little bit. It does mean that, obviously, you are paying each individual tier. We've had to kind of update things because the cost of advice has updated.\n\nChannel 1: Mhmm.\n\nChannel 0: There's been a lot of changes in legislation in what we have to do, and there's a lot of work around the advice that we do research. The the team members involved in drawing up the advice documents, the presentation, and then the implementation side of things. And we don't charge any implementation fees for our advice as well. You're an ongoing client, so we just charge the ongoing service fee. If\n\nChannel 1: Okay.\n\nChannel 0: you are able to click on that sign button for me, I can take you through and show you essentially what the fee is for the year because it works out to be we work it out as a dollar fee based on the tiered structure. So that\n\nChannel 1: Yep.\n\nChannel 0: document based on your balance will essentially charge the ongoing service fee for the year as a dollar figure of $3,241.01.\n\nChannel 1: Gotta\n\nChannel 0: Okay?\n\nChannel 1: get that one\n\nChannel 0: That's\n\nChannel 1: sent in there.\n\nChannel 0: 1¢. Correct. Correct.\n\nChannel 1: Gotta\n\nChannel 0: Can't\n\nChannel 1: get\n\nChannel 0: forget\n\nChannel 1: that\n\nChannel 0: that\n\nChannel 1: one\n\nChannel 0: for\n\nChannel 1: sent.\n\nChannel 0: the\n\nChannel 1: Make\n\nChannel 0: one\n\nChannel 1: a big\n\nChannel 0: cent.\n\nChannel 1: difference. Yeah. Okay.\n\nChannel 0: That's\n\nChannel 1: That's\n\nChannel 0: it.\n\nChannel 1: fine.\n\nChannel 0: I've I've also attached this financial services guide for you, so you're welcome to run your eyes over that, have a look at how the tiered structure works. Previous, our ongoing service fee was at 1.65%, and it stayed 1.65% essentially no matter what your balance was. It just stated the same. So this with the tiered structure means that as your balance increases, you do move into the next tier and the that tier the percentage of that tier drops a little bit for you. So it does mean that overall, you know, the fees might be slightly higher than where they were initially.\n\nWe don't no longer cap them at 600,000. We keep them going to 2,000,000, but that making sure things are working harder for you as well. And that's only\n\nChannel 1: Yes.\n\nChannel 0: charged at the hub twenty four. So we don't charge any set ongoing service fees for holding or looking after c bus or bus queue. That's all done as part of our advice, as part of our services and invest interest to you. It's only on the balance in hub twenty four that is affected by the ongoing service fee. Does that make sense?\n\nDo you have any questions? You're welcome to let me know if you do.\n\nChannel 1: Yep. No. No. That's it. So all all getting through.\n\nStill working. Then, yeah, just\n\nChannel 0: Excellent.\n\nChannel 1: just sign that form for you\n\nChannel 0: You're a legend.\n\nChannel 1: as\n\nChannel 0: Thank you so much for that. I appreciate it. I appreciate\n\nChannel 1: well. All\n\nChannel 0: taking\n\nChannel 1: good.\n\nChannel 0: my call. I will let you go so you can enjoy your day. I've booked in your pre assessment for Monday, and I've added a text message reminder there for you as well. So we'll send you a message an hour prior to remind you that we're calling.\n\nChannel 1: Perfect.\n\nChannel 0: My team member, Samantha, will be the one to give you a call. She's fantastic. These pre assessments will make it nice and easy on you. Okay.\n\nChannel 1: Mhmm. Alright. It sounds sounds good at all. Thanks very much\n\nChannel 0: Fantastic.\n\nChannel 1: for the call.\n\nChannel 0: Fantastic. My pleasure, Ryan. I'll get stuck into the research, and I'll get once Samantha has done the pre assessment with her I'll with you. Sorry. I'll get her to rebook in your advice presentation in a couple of weeks' time.\n\nChannel 1: Yep. Alright. Sounds good.\n\nChannel 0: Okay? Appreciate it. Thank you for your time.\n\nChannel 1: Okay.\n\nChannel 0: Have a\n\nChannel 1: Thank\n\nChannel 0: good day.\n\nChannel 1: you.\n\nChannel 0: Don't work\n\nChannel 1: You\n\nChannel 0: too\n\nChannel 1: too.\n\nChannel 0: hard. No worries.\n\nChannel 1: Alright.\n\nChannel 0: See you later.\n\nChannel 1: I'll I'll try not to. Okay. Bye bye.\n\nChannel 0: See you later.\n\nChannel 1: See you.","paragraphs":[{"sentences":[{"text":"For your name and reason for calling, I'll see if this person is available.","start":0.08,"end":3.86,"sentiment":"neutral","sentiment_score":0.025245808131460632}],"sentiment":"neutral","sentiment_score":0.025245808131460632,"channel":1,"num_words":14,"start":0.08,"end":3.86},{"sentences":[{"text":"Oakview Financial annual review.","start":6.64,"end":8.74,"sentiment":"neutral","sentiment_score":0.03335035219788551}],"sentiment":"neutral","sentiment_score":0.03335035219788551,"channel":0,"num_words":4,"start":6.64,"end":8.74},{"sentences":[{"text":"Thanks.","start":13.44,"end":13.94,"sentiment":"positive","sentiment_score":0.34415203332901},{"text":"Please stay on the line.","start":14.295,"end":15.595,"sentiment":"neutral","sentiment_score":0.17946448624134065},{"text":"Ryan speaking.","start":23.895,"end":24.715,"sentiment":"neutral","sentiment_score":0.05271992087364197}],"sentiment":"neutral","sentiment_score":0.16836428828537464,"channel":1,"num_words":8,"start":13.44,"end":24.715},{"sentences":[{"text":"Hi, Ryan.","start":25.455,"end":26.01,"sentiment":"neutral","sentiment_score":0.1311871036887169},{"text":"It's Dana from Okey Financial.","start":26.09,"end":26.91,"sentiment":"neutral","sentiment_score":0.18187243044376372},{"text":"How are you this morning?","start":27.69,"end":28.75,"sentiment":"neutral","sentiment_score":0.20062013268470763}],"sentiment":"neutral","sentiment_score":0.18123641858498254,"channel":0,"num_words":12,"start":25.455,"end":28.75},{"sentences":[{"text":"I'm good this morning.","start":28.76,"end":29.64,"sentiment":"positive","sentiment_score":0.4356091246008873},{"text":"Thank you.","start":29.64,"end":30.039999,"sentiment":"positive","sentiment_score":0.546366274356842},{"text":"How are you?","start":30.039999,"end":30.859999,"sentiment":"neutral","sentiment_score":0.2892380605141322}],"sentiment":"positive","sentiment_score":0.41143146985107,"channel":1,"num_words":9,"start":28.76,"end":30.859999},{"sentences":[{"text":"I'm very well.","start":30.970001,"end":31.93,"sentiment":"positive","sentiment_score":0.47555867830912274},{"text":"Thank you.","start":31.93,"end":32.33,"sentiment":"positive","sentiment_score":0.5764783620834351},{"text":"Thanks for asking.","start":32.33,"end":32.97,"sentiment":"positive","sentiment_score":0.5676985383033752},{"text":"I had to book in to go through your interview.","start":32.97,"end":34.89,"sentiment":"neutral","sentiment_score":0.19477091431617738},{"text":"Is now still a good time there for you?","start":34.89,"end":36.91,"sentiment":"neutral","sentiment_score":0.17703483336501652}],"sentiment":"neutral","sentiment_score":0.2897685562018995,"channel":0,"num_words":27,"start":30.970001,"end":36.91},{"sentences":[{"text":"Yes.","start":37.32,"end":37.72,"sentiment":"neutral","sentiment_score":0.12949863076210022},{"text":"Yep.","start":37.72,"end":38.04,"sentiment":"neutral","sentiment_score":0.17638084292411804},{"text":"It is.","start":38.04,"end":38.699997,"sentiment":"neutral","sentiment_score":0.3253636211156845}],"sentiment":"neutral","sentiment_score":0.23915167897939682,"channel":1,"num_words":4,"start":37.32,"end":38.699997},{"sentences":[{"text":"Fantastic.","start":39.21,"end":39.71,"sentiment":"positive","sentiment_score":0.5827831029891968},{"text":"Before we jump into the call, I just have to let you know we do record our calls for quality and training purposes.","start":40.25,"end":44.865,"sentiment":"neutral","sentiment_score":0.19510767576487167},{"text":"Are you happy for me to proceed with that?","start":44.865,"end":46.805,"sentiment":"neutral","sentiment_score":0.20050624178515541}],"sentiment":"neutral","sentiment_score":0.20832775217114072,"channel":0,"num_words":33,"start":39.21,"end":46.805},{"sentences":[{"text":"Yep.","start":47.085003,"end":47.405003,"sentiment":"neutral","sentiment_score":0.11430134624242784},{"text":"That's fine.","start":47.405003,"end":48.145,"sentiment":"neutral","sentiment_score":0.27252888679504395}],"sentiment":"neutral","sentiment_score":0.21978637327750525,"channel":1,"num_words":3,"start":47.085003,"end":48.145},{"sentences":[{"text":"Fantastic.","start":48.465,"end":48.965,"sentiment":"positive","sentiment_score":0.5489899516105652},{"text":"And just a quick security check there with you as well.","start":49.105,"end":51.665,"sentiment":"neutral","sentiment_score":0.248732173984701},{"text":"I just need to confirm your full name, your date of birth, and address I should have on file.","start":51.665,"end":55.35,"sentiment":"neutral","sentiment_score":0.12571821949983897}],"sentiment":"neutral","sentiment_score":0.18302225922384568,"channel":0,"num_words":31,"start":48.465,"end":55.35},{"sentences":[{"text":"Yeah.","start":55.885002,"end":56.285,"sentiment":"neutral","sentiment_score":0.02967903204262257},{"text":"Ryan Adams Stewart.","start":56.285,"end":57.57,"sentiment":"neutral","sentiment_score":0.013097068294882774},{"text":"6 Of The 4th 80","start":57.57,"end":58.77,"sentiment":"neutral","sentiment_score":0.01495935171842575}],"sentiment":"neutral","sentiment_score":0.015974110613266628,"channel":1,"num_words":9,"start":55.885002,"end":58.77},{"sentences":[{"text":"Yep.","start":58.469997,"end":58.969997,"sentiment":"neutral","sentiment_score":0.021873822435736656}],"sentiment":"neutral","sentiment_score":0.021873822435736656,"channel":0,"num_words":1,"start":58.469997,"end":58.969997},{"sentences":[{"text":"'2.","start":58.77,"end":59.27,"sentiment":"neutral","sentiment_score":0.015313759446144104},{"text":"Address","start":59.65,"end":59.97,"sentiment":"neutral","sentiment_score":0.014972222968935966}],"sentiment":"neutral","sentiment_score":0.015142991207540035,"channel":1,"num_words":2,"start":58.77,"end":59.97},{"sentences":[{"text":"Yep.","start":59.75,"end":60.25,"sentiment":"neutral","sentiment_score":0.018223285675048828}],"sentiment":"neutral","sentiment_score":0.018223285675048828,"channel":0,"num_words":1,"start":59.75,"end":60.25},{"sentences":[{"text":"is 9 Kerry Court, Coomera.","start":59.97,"end":61.91,"sentiment":"neutral","sentiment_score":0.027692660316824914}],"sentiment":"neutral","sentiment_score":0.027692660316824914,"channel":1,"num_words":5,"start":59.97,"end":61.91},{"sentences":[{"text":"Great.","start":62.469997,"end":62.789997,"sentiment":"positive","sentiment_score":0.40649378299713135},{"text":"Thank you so much for that.","start":62.789997,"end":64.33,"sentiment":"positive","sentiment_score":0.4676414678494136},{"text":"Ryan, so we did actually send through your advice document and had tried to present that earlier in the year.","start":64.79,"end":70.145004,"sentiment":"neutral","sentiment_score":0.10998443588614464},{"text":"Unfortunately, it has now expired.","start":70.145004,"end":71.825005,"sentiment":"neutral","sentiment_score":-0.1392953708767891},{"text":"So we just need to do a new a new review with you and kinda go through and update all your 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insurances","start":263.01,"end":272.285,"sentiment":"neutral","sentiment_score":0.21804918774536677}],"sentiment":"neutral","sentiment_score":0.21804918774536677,"channel":1,"num_words":21,"start":263.01,"end":272.285},{"sentences":[{"text":"Mhmm.","start":271.945,"end":272.445,"sentiment":"neutral","sentiment_score":0.028409896418452263}],"sentiment":"neutral","sentiment_score":0.028409896418452263,"channel":0,"num_words":1,"start":271.945,"end":272.445},{"sentences":[{"text":"which BusQ doesn't offer.","start":272.42502,"end":274.74503,"sentiment":"neutral","sentiment_score":-0.10844709537923336},{"text":"So that 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we sort of break down the the rest of it, the bus queue also offers, like, TTD, which is sort of a temporary disablement, whereas C Bus doesn't really have any kind of income protection side of things there.","start":336.16,"end":350.26498,"sentiment":"neutral","sentiment_score":-0.031847470508116045},{"text":"So I think moving forward, just kind of reevaluating what it is that you actually wanna have with insurances, what you wanna have covered, and what your goals are will probably help us to decide which ones we do consolidate or whether we do keep all three open and whether we just look to make additional contributions out of your cash flow into one of those to kind of keep it working.","start":350.26498,"end":370.62,"sentiment":"neutral","sentiment_score":0.21013377358516058},{"text":"Because the other thing is in order to have those refunds open, we need to make sure as well.","start":370.62,"end":376.385,"sentiment":"neutral","sentiment_score":0.27833464663279683},{"text":"That 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if I look at the the kind of cover you're after with life and TCD, let's look at life first.","start":412.525,"end":418.68,"sentiment":"neutral","sentiment_score":-0.04299488264535155},{"text":"So life is essentially in the event that you were to pass away.","start":418.68,"end":422.13998,"sentiment":"neutral","sentiment_score":-0.101015693293168}],"sentiment":"neutral","sentiment_score":-0.06385630656565938,"channel":0,"num_words":35,"start":411.725,"end":422.13998},{"sentences":[{"text":"Okay.","start":422.06,"end":422.56,"sentiment":"neutral","sentiment_score":-0.023501373827457428}],"sentiment":"neutral","sentiment_score":-0.023501373827457428,"channel":1,"num_words":1,"start":422.06,"end":422.56},{"sentences":[{"text":"Your life cover currently with us here is sitting at 200,000.","start":422.75998,"end":426.86,"sentiment":"neutral","sentiment_score":-0.019083958119153976},{"text":"With c buses, 208.","start":426.91998,"end":428.91998,"sentiment":"neutral","sentiment_score":-0.008367409813217819},{"text":"That is based on the research from the twenty third of covered limit you have there and also the balance, which could be different to what we have noted here.","start":428.91998,"end":440.645,"sentiment":"neutral","sentiment_score":-0.043526543552676836},{"text":"If you were to say pass away based on this information, you've got the 208,000 of life with Cbus, 200,000 of life with BusQ, and then your super balance is paid out on top of that to your beneficiaries.","start":441.425,"end":456.67,"sentiment":"neutral","sentiment_score":-0.03985375420859036},{"text":"So we've got a $106.09 $6.08 in hub 24, 30,099 in bus queue, and approximately $27,005.09 2 sitting in c bus based on the 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the future if that was to happen.","start":508.57,"end":510.41,"sentiment":"neutral","sentiment_score":0.022783599379989836},{"text":"So a 100% of it would would go to to her.","start":510.41,"end":513.23,"sentiment":"neutral","sentiment_score":0.1919138478961858}],"sentiment":"neutral","sentiment_score":0.11580523606389762,"channel":1,"num_words":20,"start":508.57,"end":513.23},{"sentences":[{"text":"Yep.","start":513.88,"end":514.38,"sentiment":"neutral","sentiment_score":0.25609880685806274},{"text":"Excellent.","start":514.975,"end":515.055,"sentiment":"positive","sentiment_score":0.6036760807037354},{"text":"So a 100% to Angela.","start":515.055,"end":516.655,"sentiment":"positive","sentiment_score":0.5105548620223999},{"text":"Excellent.","start":516.655,"end":517.155,"sentiment":"positive","sentiment_score":0.5436090230941772},{"text":"Now are you does she 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I 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time.","start":985.06,"end":985.38,"sentiment":"neutral","sentiment_score":0.23700208216905594},{"text":"It's like, what do you do?","start":985.38,"end":986.33997,"sentiment":"neutral","sentiment_score":0.07894702938695748},{"text":"And I tell them, and they're like, what?","start":986.33997,"end":988.27997,"sentiment":"neutral","sentiment_score":0.048428765032440424},{"text":"You","start":988.98,"end":989.14,"sentiment":"neutral","sentiment_score":0.008868422359228134}],"sentiment":"neutral","sentiment_score":0.07905793431050637,"channel":1,"num_words":17,"start":985.06,"end":989.14},{"sentences":[{"text":"yeah.","start":988.98,"end":989.45996,"sentiment":"neutral","sentiment_score":0.05475451052188873}],"sentiment":"neutral","sentiment_score":0.05475451052188873,"channel":0,"num_words":1,"start":988.98,"end":989.45996},{"sentences":[{"text":"know?","start":989.14,"end":989.64,"sentiment":"neutral","sentiment_score":0.031933218240737915}],"sentiment":"neutral","sentiment_score":0.031933218240737915,"channel":1,"num_words":1,"start":989.14,"end":989.64},{"sentences":[{"text":"No.","start":989.45996,"end":989.7,"sentiment":"neutral","sentiment_score":0.01518314704298973},{"text":"That's that's absolutely fine.","start":989.7,"end":991.72,"sentiment":"neutral","sentiment_score":0.21040180325508118},{"text":"In the event of, say, permanent capacity, so if you were never able to go back to work again because of, you know, something happening in your role, do you think that 420,000, if I sort of the 428,000, if I divide that by your current gross income, it essentially gives you a little over two years.","start":992.415,"end":1010.69995,"sentiment":"neutral","sentiment_score":-0.04318505862172235},{"text":"It's under three years, so two years and eight months worth of gross income noting that, obviously, tax is there.","start":1010.69995,"end":1017.955,"sentiment":"neutral","sentiment_score":-0.01632427666336298},{"text":"So you could probably reduce that back a little bit and get about three years worth of income out of that.","start":1017.955,"end":1023.015,"sentiment":"neutral","sentiment_score":-0.006526411289260501}],"sentiment":"neutral","sentiment_score":-0.020080564579772718,"channel":0,"num_words":103,"start":989.45996,"end":1023.015},{"sentences":[{"text":"But that would use up all of your insurances plus your super.","start":1023.235,"end":1026.595,"sentiment":"neutral","sentiment_score":0.002047422342002392},{"text":"And one of the most important things to consider is that when you claim on TBD, when you're under the age of 60, unfortunately, and I wholeheartedly disagree with this, but the government actually taxes you.","start":1026.595,"end":1037.48,"sentiment":"neutral","sentiment_score":-0.035300360112968415},{"text":"The tax can be up to 22%.","start":1037.78,"end":1040.2001,"sentiment":"neutral","sentiment_score":-0.034770690270566514},{"text":"It depends on your age and stage and a few other factors that the tax can be lessened.","start":1040.9,"end":1045.16,"sentiment":"neutral","sentiment_score":0.008516880580120616},{"text":"And we as advisers, if you claim on TPD, we'll help you with the claim, but then we will also provide advice on how to structure things to help limit that.","start":1045.22,"end":1053.295,"sentiment":"neutral","sentiment_score":0.10382944357491308}],"sentiment":"neutral","sentiment_score":0.018099787244304586,"channel":0,"num_words":104,"start":1023.235,"end":1053.295},{"sentences":[{"text":"But do you feel like that level of TBD you have is sufficient, or would you wanna maybe look at trying to get something else?","start":1053.755,"end":1060.53,"sentiment":"neutral","sentiment_score":-0.04395999900996685},{"text":"And I'm happy to go back and do all the research I can on what I can get CBD wise to assist you.","start":1060.53,"end":1066.2101,"sentiment":"positive","sentiment_score":0.5930694276871888},{"text":"But did you want me to maybe look at some other cover and see what else I can come up with?","start":1066.2101,"end":1070.4701,"sentiment":"neutral","sentiment_score":0.06815665978051368}],"sentiment":"neutral","sentiment_score":0.2025056045934342,"channel":0,"num_words":69,"start":1053.755,"end":1070.4701},{"sentences":[{"text":"I think we would need to look at a little something a bit more than yeah.","start":1070.635,"end":1074.235,"sentiment":"neutral","sentiment_score":-0.05782342562451959},{"text":"Two years isn't","start":1074.235,"end":1075.035,"sentiment":"neutral","sentiment_score":-0.04046253735820452}],"sentiment":"neutral","sentiment_score":-0.05508223274036458,"channel":1,"num_words":19,"start":1070.635,"end":1075.035},{"sentences":[{"text":"More?","start":1074.8501,"end":1075.275,"sentiment":"neutral","sentiment_score":-0.04167746752500534}],"sentiment":"neutral","sentiment_score":-0.04167746752500534,"channel":0,"num_words":1,"start":1074.8501,"end":1075.275},{"sentences":[{"text":"really gonna be 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questions.","start":1162.6849,"end":1164.205,"sentiment":"neutral","sentiment_score":-0.01693791663274169},{"text":"But there are different definitions to claiming on TPD.","start":1164.205,"end":1167.585,"sentiment":"neutral","sentiment_score":-0.11044580075475904},{"text":"The most the best definition you can have is an own occupation.","start":1167.965,"end":1171.745,"sentiment":"neutral","sentiment_score":-0.0698437225073576}],"sentiment":"neutral","sentiment_score":-0.11085737652399323,"channel":0,"num_words":55,"start":1155.64,"end":1171.745},{"sentences":[{"text":"That means that you would have to be unable to ever go back to work in the occupation you were doing prior to your disability.","start":1172.46,"end":1178.24,"sentiment":"negative","sentiment_score":-0.43562207102775574},{"text":"That kind of occupation for TPD has to be paid out of your back pocket.","start":1178.94,"end":1182.78,"sentiment":"negative","sentiment_score":-0.46519374251365664},{"text":"It can't be paid for inside paper.","start":1182.78,"end":1184.72,"sentiment":"negative","sentiment_score":-0.43916035124233793},{"text":"It does make that kind of cover a lot more expensive.","start":1185.135,"end":1187.9551,"sentiment":"negative","sentiment_score":-0.5166977102106268},{"text":"It would be very hard to probably get that for your occupation.","start":1188.5751,"end":1191.555,"sentiment":"negative","sentiment_score":-0.5046586791674296}],"sentiment":"negative","sentiment_score":-0.46688799049173085,"channel":0,"num_words":70,"start":1172.46,"end":1191.555},{"sentences":[{"text":"So the other definition you have with the bus queue and the c bus isn't any occupation, and that means that in order for you to claim on TBD, you just have to have doctors proving that you're never gonna go back to work again for any occupation for which you were educated, trained, or have worked in the 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level of giving in any occupation definition.","start":1236.6901,"end":1242.87,"sentiment":"neutral","sentiment_score":-0.21660478226840496},{"text":"So it means that when I look at retail or other providers, aside from what you already have, they may not offer the same type of cover.","start":1243.0249,"end":1250.1649,"sentiment":"neutral","sentiment_score":-0.132397067491655}],"sentiment":"neutral","sentiment_score":-0.11895243790658082,"channel":0,"num_words":68,"start":1226.935,"end":1250.1649},{"sentences":[{"text":"I may be able to get and I will look at all the options I have available and see what the insurers are gonna offer.","start":1250.5449,"end":1255.985,"sentiment":"neutral","sentiment_score":-0.06879309669137001},{"text":"But the third definition with the TPD is ADL, and it just basically means that you are never able to go back to work again and that you require assistance with eating.","start":1255.985,"end":1267.54,"sentiment":"neutral","sentiment_score":-0.05281935352832079},{"text":"So eating, dressing, bathing, driving, just, you know, normal everyday living.","start":1267.6001,"end":1272.8201,"sentiment":"neutral","sentiment_score":-0.03868435145440427},{"text":"It is","start":1273.1849,"end":1273.6649,"sentiment":"neutral","sentiment_score":-0.016798539087176323}],"sentiment":"neutral","sentiment_score":-0.05527388106233307,"channel":0,"num_words":70,"start":1250.5449,"end":1273.6649},{"sentences":[{"text":"Yep.","start":1273.505,"end":1274.005,"sentiment":"neutral","sentiment_score":-0.02506032958626747}],"sentiment":"neutral","sentiment_score":-0.02506032958626747,"channel":1,"num_words":1,"start":1273.505,"end":1274.005},{"sentences":[{"text":"a much harder definition to claim on, but I might be able to get some sort of top up cover for you to build it up to level you 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which might be a different definition.","start":1291.62,"end":1295.48,"sentiment":"neutral","sentiment_score":-0.05112488272910317},{"text":"But are you comfortable with me looking at all those options and coming up with whatever I possibly can to give you that extra level of cover even if it's a different definition.","start":1296.1,"end":1304.0549,"sentiment":"neutral","sentiment_score":-0.04401159060723854}],"sentiment":"neutral","sentiment_score":-0.04590846850640244,"channel":0,"num_words":45,"start":1291.62,"end":1304.0549},{"sentences":[{"text":"Yeah.","start":1304.855,"end":1305.255,"sentiment":"neutral","sentiment_score":0.08703134953975677},{"text":"Yes.","start":1305.255,"end":1305.5751,"sentiment":"neutral","sentiment_score":0.13794571161270142},{"text":"I 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TBD, what it is, what the definitions are, how it can be claimed.","start":1308.995,"end":1315.015,"sentiment":"neutral","sentiment_score":-0.24584868736565113},{"text":"Did you want me to break anything of that down more for you?","start":1315.3301,"end":1318.53,"sentiment":"neutral","sentiment_score":-0.08671810048130843},{"text":"Did you have further questions in relation to any 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obviously,","start":1327.21,"end":1333.4249,"sentiment":"neutral","sentiment_score":0.1800272133615282}],"sentiment":"neutral","sentiment_score":0.1800272133615282,"channel":1,"num_words":18,"start":1327.21,"end":1333.4249},{"sentences":[{"text":"Yes.","start":1333.185,"end":1333.685,"sentiment":"neutral","sentiment_score":0.1840035021305084}],"sentiment":"neutral","sentiment_score":0.1840035021305084,"channel":0,"num_words":1,"start":1333.185,"end":1333.685},{"sentences":[{"text":"the best best possible cover 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my","start":1337.1849,"end":1337.585,"sentiment":"positive","sentiment_score":0.3759269565343857}],"sentiment":"positive","sentiment_score":0.3759269565343857,"channel":1,"num_words":2,"start":1337.1849,"end":1337.585},{"sentences":[{"text":"Perfect.","start":1337.425,"end":1337.925,"sentiment":"positive","sentiment_score":0.46473485231399536}],"sentiment":"positive","sentiment_score":0.46473485231399536,"channel":0,"num_words":1,"start":1337.425,"end":1337.925},{"sentences":[{"text":"request down with that one.","start":1337.585,"end":1339.125,"sentiment":"neutral","sentiment_score":0.3155756711959839}],"sentiment":"neutral","sentiment_score":0.3155756711959839,"channel":1,"num_words":5,"start":1337.585,"end":1339.125},{"sentences":[{"text":"Yeah.","start":1339.5851,"end":1339.905,"sentiment":"neutral","sentiment_score":0.2624480724334717},{"text":"Absolutely.","start":1339.905,"end":1340.405,"sentiment":"positive","sentiment_score":0.4531952142715454},{"text":"Perfect.","start":1340.9451,"end":1341.4451,"sentiment":"positive","sentiment_score":0.4922865331172943},{"text":"And the other thing to look at, we also do have other types of personal insurances like income protection.","start":1342.305,"end":1348.54,"sentiment":"neutral","sentiment_score":0.03977482844340174},{"text":"Now I know with your your bus queue policy, you have TTD, which is a total it's sorry.","start":1348.92,"end":1356.4401,"sentiment":"neutral","sentiment_score":-0.03594225738197565}],"sentiment":"neutral","sentiment_score":0.03291727318428457,"channel":0,"num_words":40,"start":1339.5851,"end":1356.4401},{"sentences":[{"text":"Temporary disablement is part of your TBD, and it means that if you are unable to go to work for a certain period of time, they can pay out, like, a lump sum or a little bit of money as a temporary disablement.","start":1356.4401,"end":1368.2949,"sentiment":"neutral","sentiment_score":-0.05890078626053278},{"text":"I also am aware that with your sea bus, there are often differences.","start":1369.155,"end":1373.255,"sentiment":"neutral","sentiment_score":-0.04894694313406944},{"text":"It doesn't look like there's anything attached there at the moment, but BusQ and SeaBus and sometimes unions offer different types of cover.","start":1373.315,"end":1380.22,"sentiment":"neutral","sentiment_score":-0.04066319350639115},{"text":"Do you have any kind of income protection cover that you're aware of through your union, your company that you work for, or through BusQ or bus that you're aware of.","start":1380.36,"end":1390.0751,"sentiment":"neutral","sentiment_score":-0.019536350252887896}],"sentiment":"neutral","sentiment_score":-0.04281749434938485,"channel":0,"num_words":110,"start":1356.4401,"end":1390.0751},{"sentences":[{"text":"Yeah.","start":1390.3351,"end":1390.8351,"sentiment":"neutral","sentiment_score":-0.02986249513924122},{"text":"There is so my boss pays into another separate fund.","start":1390.8351,"end":1395.535,"sentiment":"neutral","sentiment_score":-0.052362219989299776},{"text":"I think it's called CIP,","start":1395.535,"end":1396.995,"sentiment":"neutral","sentiment_score":-0.023124903067946435}],"sentiment":"neutral","sentiment_score":-0.041819325648248196,"channel":1,"num_words":16,"start":1390.3351,"end":1396.995},{"sentences":[{"text":"Yep.","start":1398.055,"end":1398.555,"sentiment":"neutral","sentiment_score":-0.00843342486768961}],"sentiment":"neutral","sentiment_score":-0.00843342486768961,"channel":0,"num_words":1,"start":1398.055,"end":1398.555},{"sentences":[{"text":"which is another income protection insurance thing, and that's through the through the union.","start":1398.415,"end":1403.395,"sentiment":"neutral","sentiment_score":-0.020653969076062952},{"text":"And then I've also also got another one which he pays into, which is called the Birch Fund, and that's more of like a redundancy type payment.","start":1405.65,"end":1414.07,"sentiment":"neutral","sentiment_score":-0.03815241399462576}],"sentiment":"neutral","sentiment_score":-0.03217733524194578,"channel":1,"num_words":41,"start":1398.415,"end":1414.07},{"sentences":[{"text":"Okay.","start":1413.63,"end":1414.13,"sentiment":"neutral","sentiment_score":-0.029612841084599495}],"sentiment":"neutral","sentiment_score":-0.029612841084599495,"channel":0,"num_words":1,"start":1413.63,"end":1414.13},{"sentences":[{"text":"If I was to","start":1414.21,"end":1415.27,"sentiment":"neutral","sentiment_score":-0.03800039924681187}],"sentiment":"neutral","sentiment_score":-0.03800039924681187,"channel":1,"num_words":4,"start":1414.21,"end":1415.27},{"sentences":[{"text":"Yep.","start":1414.91,"end":1415.41,"sentiment":"neutral","sentiment_score":-0.03733816742897034}],"sentiment":"neutral","sentiment_score":-0.03733816742897034,"channel":0,"num_words":1,"start":1414.91,"end":1415.41},{"sentences":[{"text":"be 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payment made out of out of that.","start":1416.45,"end":1419.945,"sentiment":"neutral","sentiment_score":-0.05000653540094693}],"sentiment":"neutral","sentiment_score":-0.05000653540094693,"channel":1,"num_words":15,"start":1416.45,"end":1419.945},{"sentences":[{"text":"Yep.","start":1420.455,"end":1420.955,"sentiment":"neutral","sentiment_score":0.0364355631172657},{"text":"Yep.","start":1421.015,"end":1421.495,"sentiment":"neutral","sentiment_score":0.09721845388412476},{"text":"Perfect.","start":1421.495,"end":1421.995,"sentiment":"positive","sentiment_score":0.39437028765678406},{"text":"Excellent.","start":1422.215,"end":1422.615,"sentiment":"positive","sentiment_score":0.38373756408691406},{"text":"And with the the CIP, are you aware of the level of cover that you have, the waiting periods, and the information around the income protection","start":1422.615,"end":1431.18,"sentiment":"neutral","sentiment_score":0.024610718783850852}],"sentiment":"neutral","sentiment_score":0.05172135190417369,"channel":0,"num_words":30,"start":1420.455,"end":1431.18},{"sentences":[{"text":"No.","start":1432.505,"end":1432.9049,"sentiment":"neutral","sentiment_score":-0.02982315793633461},{"text":"I oh, that's one I haven't looked into.","start":1432.9049,"end":1435.005,"sentiment":"neutral","sentiment_score":-0.024021932389587164}],"sentiment":"neutral","sentiment_score":-0.024666513005892437,"channel":1,"num_words":9,"start":1432.505,"end":1435.005},{"sentences":[{"text":"policy?","start":1435.1001,"end":1435.6001,"sentiment":"neutral","sentiment_score":-0.0164630226790905},{"text":"Yep.","start":1435.66,"end":1435.9801,"sentiment":"neutral","sentiment_score":0.04591238498687744},{"text":"That's okay.","start":1435.9801,"end":1436.62,"sentiment":"neutral","sentiment_score":0.18869849294424057},{"text":"Are you happy with just retaining that for now, or did you want me to look at trying to maybe obtain some sort of income protection or, like, expenditure protection insurances that might pay out if you're unable to go to work in the short term to help cover your regular expenditure of your family.","start":1436.62,"end":1453.525,"sentiment":"neutral","sentiment_score":0.10484793159094724}],"sentiment":"neutral","sentiment_score":0.10463529806268418,"channel":0,"num_words":59,"start":1435.1001,"end":1453.525},{"sentences":[{"text":"I might just do a bit more research on the CIP side of 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what what level of cover they've got in there.","start":1458.905,"end":1461.625,"sentiment":"neutral","sentiment_score":0.12344113613168399},{"text":"And then if if I find it's it's not enough, I guess I could just touch base with you guys again and look","start":1461.625,"end":1466.88,"sentiment":"neutral","sentiment_score":-0.04829255815433419}],"sentiment":"neutral","sentiment_score":0.01058756560087204,"channel":1,"num_words":35,"start":1458.905,"end":1466.88},{"sentences":[{"text":"Yep.","start":1466.83,"end":1467.3099,"sentiment":"neutral","sentiment_score":-0.01894025318324566}],"sentiment":"neutral","sentiment_score":-0.01894025318324566,"channel":0,"num_words":1,"start":1466.83,"end":1467.3099},{"sentences":[{"text":"at 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fine.","start":1471.87,"end":1473.49,"sentiment":"positive","sentiment_score":0.38062387704849243},{"text":"If you're able to contact your payroll and find out a bit more about the policy, even if you can send any information through to me, that would be great.","start":1473.795,"end":1481.2351,"sentiment":"positive","sentiment_score":0.37087097267309826},{"text":"I can always break it down and have a look at what the policy is and be able to give you assistance on this general information about what it is, what you're covered for, the waiting periods, the benefit periods.","start":1481.2351,"end":1490.88,"sentiment":"neutral","sentiment_score":0.21599607765674592},{"text":"I can pull a PDF apart for you as well and and give you some information around it to help you out.","start":1490.88,"end":1495.68,"sentiment":"neutral","sentiment_score":0.16457988999106668}],"sentiment":"neutral","sentiment_score":0.2567547623378535,"channel":0,"num_words":96,"start":1470.83,"end":1495.68},{"sentences":[{"text":"So","start":1495.68,"end":1496.16,"sentiment":"neutral","sentiment_score":0.08836153149604797}],"sentiment":"neutral","sentiment_score":0.08836153149604797,"channel":0,"num_words":1,"start":1495.68,"end":1496.16},{"sentences":[{"text":"Yeah.","start":1496.06,"end":1496.4601,"sentiment":"neutral","sentiment_score":0.09887266159057616}],"sentiment":"neutral","sentiment_score":0.09887266159057616,"channel":1,"num_words":1,"start":1496.06,"end":1496.4601},{"sentences":[{"text":"if 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that information, definitely do.","start":1496.9601,"end":1499.025,"sentiment":"neutral","sentiment_score":0.1572082221508026},{"text":"If not, that's okay.","start":1499.265,"end":1500.465,"sentiment":"neutral","sentiment_score":0.0018734598997980356},{"text":"I can scope out the income protection side of things for the time being, and then we can just focus on that down the track.","start":1500.465,"end":1506.9451,"sentiment":"neutral","sentiment_score":0.09037953913211823},{"text":"Does that sound okay with 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insurances.","start":1512.61,"end":1514.87,"sentiment":"neutral","sentiment_score":0.023213876644149423},{"text":"And, look, you can insure everything to the health.","start":1514.9299,"end":1517.33,"sentiment":"neutral","sentiment_score":0.10312547534704208},{"text":"It's about what's important to you.","start":1517.33,"end":1519.2699,"sentiment":"neutral","sentiment_score":0.07363581905762355}],"sentiment":"neutral","sentiment_score":0.10653355933725833,"channel":0,"num_words":25,"start":1510.865,"end":1519.2699},{"sentences":[{"text":"When we look at personal insurances, you have life, TPD, income protection, and they also have trauma.","start":1519.57,"end":1524.71,"sentiment":"neutral","sentiment_score":-0.008936147301403038},{"text":"Now trauma can pay out a lump sum benefit in the event that you're unable to or that you'd start diagnosed with a major traumatic 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it,","start":1582.42,"end":1584.795,"sentiment":"neutral","sentiment_score":0.08073049721618493}],"sentiment":"neutral","sentiment_score":0.08073049721618493,"channel":0,"num_words":6,"start":1582.42,"end":1584.795},{"sentences":[{"text":"No.","start":1584.63,"end":1584.87,"sentiment":"neutral","sentiment_score":0.030803611502051353},{"text":"Wow.","start":1584.87,"end":1585.37,"sentiment":"neutral","sentiment_score":0.1471274495124817}],"sentiment":"neutral","sentiment_score":0.08896553050726652,"channel":1,"num_words":2,"start":1584.63,"end":1585.37},{"sentences":[{"text":"and it can it is a lot easier to claim on.","start":1585.115,"end":1587.8551,"sentiment":"neutral","sentiment_score":0.29375933381644165},{"text":"It can be really cheap to have maybe one or two years worth of income replacement.","start":1588.155,"end":1592.0751,"sentiment":"neutral","sentiment_score":0.17223511030897498},{"text":"It gets more expensive, those level the higher the level of cover you have.","start":1592.0751,"end":1596.255,"sentiment":"neutral","sentiment_score":-0.11191408868346896},{"text":"Some people do have that as an offshoot to income protection or a bit of a buffer for other insurances.","start":1596.875,"end":1603.16,"sentiment":"neutral","sentiment_score":-0.04145168708637357},{"text":"Some people prefer that instead.","start":1603.86,"end":1605.5599,"sentiment":"neutral","sentiment_score":0.000926364958286285}],"sentiment":"neutral","sentiment_score":0.05448356482454322,"channel":0,"num_words":66,"start":1585.115,"end":1605.5599},{"sentences":[{"text":"It just comes down to what you're comfortable with and also can you afford to pay for the insurances out of your back pocket?","start":1605.62,"end":1611.575,"sentiment":"neutral","sentiment_score":-0.017991487092028063},{"text":"Did you want me to look at any kind of trauma for you?","start":1611.715,"end":1614.355,"sentiment":"neutral","sentiment_score":-0.10242017243917172},{"text":"Or","start":1614.355,"end":1614.855,"sentiment":"neutral","sentiment_score":-0.08884941041469574}],"sentiment":"neutral","sentiment_score":-0.04873966690348951,"channel":0,"num_words":38,"start":1605.62,"end":1614.855},{"sentences":[{"text":"I'm putting not at this stage.","start":1616.02,"end":1617.7,"sentiment":"neutral","sentiment_score":-0.1591470961769422},{"text":"I think I'll I'll leave the","start":1617.7,"end":1619.14,"sentiment":"neutral","sentiment_score":-0.0811615139245987}],"sentiment":"neutral","sentiment_score":-0.12015430505077045,"channel":1,"num_words":12,"start":1616.02,"end":1619.14},{"sentences":[{"text":"mhmm.","start":1618.915,"end":1619.415,"sentiment":"neutral","sentiment_score":-0.04706037417054176}],"sentiment":"neutral","sentiment_score":-0.04706037417054176,"channel":0,"num_words":1,"start":1618.915,"end":1619.415},{"sentences":[{"text":"trauma one for now.","start":1619.14,"end":1620.44,"sentiment":"neutral","sentiment_score":-0.04657758167013526}],"sentiment":"neutral","sentiment_score":-0.04657758167013526,"channel":1,"num_words":4,"start":1619.14,"end":1620.44},{"sentences":[{"text":"Yep.","start":1620.595,"end":1620.995,"sentiment":"neutral","sentiment_score":0.08991193771362305},{"text":"That's absolutely fine.","start":1620.995,"end":1622.43,"sentiment":"neutral","sentiment_score":0.277709166208903},{"text":"Not a problem at all.","start":1625.0701,"end":1625.2301,"sentiment":"neutral","sentiment_score":0.2936619818210602},{"text":"Lovely.","start":1625.2301,"end":1625.7301,"sentiment":"positive","sentiment_score":0.4919095039367676},{"text":"So I'll look at life and TBD for you.","start":1625.9501,"end":1628.8501,"sentiment":"neutral","sentiment_score":0.25863909555806053}],"sentiment":"neutral","sentiment_score":0.2742637215476287,"channel":0,"num_words":19,"start":1620.595,"end":1628.8501},{"sentences":[{"text":"We will scope out the income protection and not and and scope out any trauma for the moment.","start":1629.55,"end":1635.25,"sentiment":"neutral","sentiment_score":0.1437546687407626},{"text":"That's absolutely fine.","start":1635.31,"end":1636.6901,"sentiment":"neutral","sentiment_score":0.3238362769285838},{"text":"The other thing to sort of look at is if you are if we do need to keep the three super funds open, we need to be able to make sure contributions can be going in.","start":1637.355,"end":1646.015,"sentiment":"neutral","sentiment_score":0.07012727370278703},{"text":"Now what does your expenditure look like through your household at the moment?","start":1646.5549,"end":1650.155,"sentiment":"neutral","sentiment_score":0.03966122048978622},{"text":"Are you guys finding that you have any savings on a weekly or fortnightly or monthly basis?","start":1650.155,"end":1655.26,"sentiment":"neutral","sentiment_score":0.05103082034517737}],"sentiment":"neutral","sentiment_score":0.08582522452477066,"channel":0,"num_words":87,"start":1629.55,"end":1655.26},{"sentences":[{"text":"How's everything looking?","start":1655.26,"end":1656.48,"sentiment":"neutral","sentiment_score":0.05348641177018484}],"sentiment":"neutral","sentiment_score":0.05348641177018484,"channel":0,"num_words":3,"start":1655.26,"end":1656.48},{"sentences":[{"text":"Yeah.","start":1657.495,"end":1657.735,"sentiment":"neutral","sentiment_score":0.17652881145477295},{"text":"Pretty pretty good at the moment.","start":1657.735,"end":1660.475,"sentiment":"positive","sentiment_score":0.3931318521499634}],"sentiment":"positive","sentiment_score":0.36218856062207905,"channel":1,"num_words":7,"start":1657.495,"end":1660.475},{"sentences":[{"text":"Yeah?","start":1661.26,"end":1661.76,"sentiment":"neutral","sentiment_score":0.17274582386016846}],"sentiment":"neutral","sentiment_score":0.17274582386016846,"channel":0,"num_words":1,"start":1661.26,"end":1661.76},{"sentences":[{"text":"Generally, yeah, can sort of be saving a minimum of 200 a week.","start":1661.655,"end":1666.315,"sentiment":"neutral","sentiment_score":0.14477310960109419}],"sentiment":"neutral","sentiment_score":0.14477310960109419,"channel":1,"num_words":13,"start":1661.655,"end":1666.315},{"sentences":[{"text":"200 per week?","start":1666.62,"end":1668.1849,"sentiment":"neutral","sentiment_score":0.08736542612314224},{"text":"Beautiful.","start":1668.245,"end":1668.745,"sentiment":"positive","sentiment_score":0.41870933771133423}],"sentiment":"neutral","sentiment_score":0.17020140402019024,"channel":0,"num_words":4,"start":1666.62,"end":1668.745},{"sentences":[{"text":"Yeah.","start":1668.51,"end":1669.01,"sentiment":"neutral","sentiment_score":0.16219282150268555},{"text":"At a minimum.","start":1669.15,"end":1669.7899,"sentiment":"neutral","sentiment_score":0.06764786938826244},{"text":"Some some weeks, it's a bit more.","start":1669.7899,"end":1671.57,"sentiment":"neutral","sentiment_score":-0.07128530368208885}],"sentiment":"neutral","sentiment_score":-0.012169154191559011,"channel":1,"num_words":11,"start":1668.51,"end":1671.57},{"sentences":[{"text":"Yep.","start":1672.005,"end":1672.325,"sentiment":"neutral","sentiment_score":0.1820988655090332},{"text":"That's okay.","start":1672.325,"end":1673.0449,"sentiment":"positive","sentiment_score":0.3997897654771805},{"text":"So if we did look to keep the c bus and the bus queue open as well as they have 24 and make contributions in, is your employer open, or do you think they'd be willing to split your contributions out, or would you be needing to make contributions to each fund, maybe some from your bank account, some from your employer?","start":1673.0449,"end":1692.09,"sentiment":"neutral","sentiment_score":0.0828142878148825},{"text":"How do you think that might be perceived by your","start":1692.09,"end":1694.765,"sentiment":"neutral","sentiment_score":-0.269041146337986}],"sentiment":"neutral","sentiment_score":0.04567670370141665,"channel":0,"num_words":75,"start":1672.005,"end":1694.765},{"sentences":[{"text":"I don't actually","start":1697.56,"end":1698.2001,"sentiment":"negative","sentiment_score":-0.35582611958185834}],"sentiment":"negative","sentiment_score":-0.35582611958185834,"channel":1,"num_words":3,"start":1697.56,"end":1698.2001},{"sentences":[{"text":"boss?","start":1698.105,"end":1698.605,"sentiment":"neutral","sentiment_score":-0.3229280710220337}],"sentiment":"neutral","sentiment_score":-0.3229280710220337,"channel":0,"num_words":1,"start":1698.105,"end":1698.605},{"sentences":[{"text":"know.","start":1698.2001,"end":1698.68,"sentiment":"neutral","sentiment_score":-0.13272278010845184},{"text":"I'll I'll I'll have to ask a question.","start":1698.68,"end":1700.8401,"sentiment":"neutral","sentiment_score":-0.059237665962427855},{"text":"Obviously, I need to keep the bus queue because of the","start":1700.8401,"end":1703.8201,"sentiment":"neutral","sentiment_score":-0.06330643323334781}],"sentiment":"neutral","sentiment_score":-0.06514974366873502,"channel":1,"num_words":20,"start":1698.2001,"end":1703.8201},{"sentences":[{"text":"Mhmm.","start":1703.7051,"end":1704.2051,"sentiment":"neutral","sentiment_score":-0.03187893331050873}],"sentiment":"neutral","sentiment_score":-0.03187893331050873,"channel":0,"num_words":1,"start":1703.7051,"end":1704.2051},{"sentences":[{"text":"because I work for the union in in in Queensland","start":1704.12,"end":1706.4601,"sentiment":"neutral","sentiment_score":-0.010835173167288303}],"sentiment":"neutral","sentiment_score":-0.010835173167288303,"channel":1,"num_words":10,"start":1704.12,"end":1706.4601},{"sentences":[{"text":"Yes.","start":1706.025,"end":1706.31,"sentiment":"neutral","sentiment_score":0.032486457377672195}],"sentiment":"neutral","sentiment_score":0.032486457377672195,"channel":0,"num_words":1,"start":1706.025,"end":1706.31},{"sentences":[{"text":"at Bayard.","start":1707.0801,"end":1707.56,"sentiment":"neutral","sentiment_score":0.030928621999919415},{"text":"So that's the central.","start":1707.56,"end":1708.52,"sentiment":"neutral","sentiment_score":0.021743997000157833},{"text":"I have to keep that one open, and that's what they pay into.","start":1708.52,"end":1711.8201,"sentiment":"neutral","sentiment_score":0.010670884440724667}],"sentiment":"neutral","sentiment_score":0.015134459459467939,"channel":1,"num_words":19,"start":1707.0801,"end":1711.8201},{"sentences":[{"text":"Yes.","start":1712.31,"end":1712.81,"sentiment":"neutral","sentiment_score":0.07166898250579834}],"sentiment":"neutral","sentiment_score":0.07166898250579834,"channel":0,"num_words":1,"start":1712.31,"end":1712.81},{"sentences":[{"text":"With the c bus one, I mean, like yeah.","start":1713.445,"end":1715.605,"sentiment":"neutral","sentiment_score":0.02331435080203745},{"text":"If I mean, I'm happy to probably close that one or","start":1715.605,"end":1720.325,"sentiment":"neutral","sentiment_score":0.032238390635360374}],"sentiment":"neutral","sentiment_score":0.028222572710365056,"channel":1,"num_words":20,"start":1713.445,"end":1720.325},{"sentences":[{"text":"Yes.","start":1720.15,"end":1720.2301,"sentiment":"neutral","sentiment_score":0.05165265500545502},{"text":"Mhmm.","start":1720.2301,"end":1720.665,"sentiment":"neutral","sentiment_score":0.02649974264204502}],"sentiment":"neutral","sentiment_score":0.03907619882375002,"channel":0,"num_words":2,"start":1720.15,"end":1720.665},{"sentences":[{"text":"or consolidate it into the hub 24 or something as long as I've got those same sort of benefits.","start":1720.325,"end":1725.7849,"sentiment":"neutral","sentiment_score":0.02209407071533956}],"sentiment":"neutral","sentiment_score":0.02209407071533956,"channel":1,"num_words":19,"start":1720.325,"end":1725.7849},{"sentences":[{"text":"Yep.","start":1726.905,"end":1727.405,"sentiment":"neutral","sentiment_score":0.06047165021300316},{"text":"Keep those insurances","start":1728.665,"end":1729.7251,"sentiment":"neutral","sentiment_score":0.03988548989097277}],"sentiment":"neutral","sentiment_score":0.04503202997148037,"channel":0,"num_words":4,"start":1726.905,"end":1729.7251},{"sentences":[{"text":"Yeah.","start":1729.5,"end":1730.0,"sentiment":"neutral","sentiment_score":0.03874817863106728}],"sentiment":"neutral","sentiment_score":0.03874817863106728,"channel":1,"num_words":1,"start":1729.5,"end":1730.0},{"sentences":[{"text":"at the license levels.","start":1729.785,"end":1731.005,"sentiment":"neutral","sentiment_score":0.040787641890347004},{"text":"Yep.","start":1731.545,"end":1732.045,"sentiment":"neutral","sentiment_score":0.10542701184749605}],"sentiment":"neutral","sentiment_score":0.05371551588177681,"channel":0,"num_words":5,"start":1729.785,"end":1732.045},{"sentences":[{"text":"Yeah.","start":1731.74,"end":1732.06,"sentiment":"neutral","sentiment_score":0.13504517078399658},{"text":"At that same sort of levels, I'll be happy","start":1732.06,"end":1734.14,"sentiment":"neutral","sentiment_score":0.1759638786315918}],"sentiment":"neutral","sentiment_score":0.17187200784683226,"channel":1,"num_words":10,"start":1731.74,"end":1734.14},{"sentences":[{"text":"Yep.","start":1734.105,"end":1734.39,"sentiment":"neutral","sentiment_score":0.24222597479820251}],"sentiment":"neutral","sentiment_score":0.24222597479820251,"channel":0,"num_words":1,"start":1734.105,"end":1734.39},{"sentences":[{"text":"to, yeah, consolidate that","start":1734.14,"end":1735.68,"sentiment":"neutral","sentiment_score":0.1415436491370201}],"sentiment":"neutral","sentiment_score":0.1415436491370201,"channel":1,"num_words":4,"start":1734.14,"end":1735.68},{"sentences":[{"text":"Yep.","start":1735.99,"end":1736.39,"sentiment":"neutral","sentiment_score":0.11190538108348846}],"sentiment":"neutral","sentiment_score":0.11190538108348846,"channel":0,"num_words":1,"start":1735.99,"end":1736.39},{"sentences":[{"text":"that save us","start":1736.06,"end":1736.54,"sentiment":"neutral","sentiment_score":0.029631586124499638}],"sentiment":"neutral","sentiment_score":0.029631586124499638,"channel":1,"num_words":3,"start":1736.06,"end":1736.54},{"sentences":[{"text":"That's","start":1736.39,"end":1736.71,"sentiment":"neutral","sentiment_score":-0.08136244863271713}],"sentiment":"neutral","sentiment_score":-0.08136244863271713,"channel":0,"num_words":1,"start":1736.39,"end":1736.71},{"sentences":[{"text":"and just","start":1736.54,"end":1736.9401,"sentiment":"neutral","sentiment_score":-0.158613383769989}],"sentiment":"neutral","sentiment_score":-0.158613383769989,"channel":1,"num_words":2,"start":1736.54,"end":1736.9401},{"sentences":[{"text":"okay.","start":1736.71,"end":1737.21,"sentiment":"neutral","sentiment_score":-0.20104312896728516}],"sentiment":"neutral","sentiment_score":-0.20104312896728516,"channel":0,"num_words":1,"start":1736.71,"end":1737.21},{"sentences":[{"text":"get rid of that one.","start":1736.9401,"end":1738.0,"sentiment":"neutral","sentiment_score":-0.23647691011428834}],"sentiment":"neutral","sentiment_score":-0.23647691011428834,"channel":1,"num_words":5,"start":1736.9401,"end":1738.0},{"sentences":[{"text":"Yeah.","start":1738.39,"end":1738.55,"sentiment":"neutral","sentiment_score":0.047601353377103806},{"text":"That's okay.","start":1738.55,"end":1739.37,"sentiment":"neutral","sentiment_score":0.10733716189861298},{"text":"If I was to maybe make a recommendation that you kept the three funds open and that we were to maybe put some additional contributions in, would you be comfortable with me maybe telling you that we keep bus queue and hub 24 the way it is and we keep c bus open, but you make an additional contribution to, say, c bus to, a, keep the insurances working in place, but, b, make the cost worthwhile of having free funds?","start":1739.99,"end":1763.5651,"sentiment":"neutral","sentiment_score":0.0917123746080899},{"text":"Is","start":1764.21,"end":1764.37,"sentiment":"neutral","sentiment_score":0.08820568025112152}],"sentiment":"neutral","sentiment_score":0.09151980824330273,"channel":0,"num_words":85,"start":1738.39,"end":1764.37},{"sentences":[{"text":"Yeah.","start":1764.31,"end":1764.81,"sentiment":"neutral","sentiment_score":0.1089128404855728}],"sentiment":"neutral","sentiment_score":0.1089128404855728,"channel":1,"num_words":1,"start":1764.31,"end":1764.81},{"sentences":[{"text":"that something you're 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me","start":1765.4099,"end":1765.65,"sentiment":"neutral","sentiment_score":0.08879503235220909}],"sentiment":"neutral","sentiment_score":0.08879503235220909,"channel":0,"num_words":2,"start":1765.4099,"end":1765.65},{"sentences":[{"text":"it","start":1765.51,"end":1765.5901,"sentiment":"neutral","sentiment_score":0.07707202434539795}],"sentiment":"neutral","sentiment_score":0.07707202434539795,"channel":1,"num_words":1,"start":1765.51,"end":1765.5901},{"sentences":[{"text":"doing?","start":1765.65,"end":1766.15,"sentiment":"neutral","sentiment_score":0.07378384470939636}],"sentiment":"neutral","sentiment_score":0.07378384470939636,"channel":0,"num_words":1,"start":1765.65,"end":1766.15},{"sentences":[{"text":"yeah.","start":1766.63,"end":1766.9501,"sentiment":"neutral","sentiment_score":0.07901661098003387},{"text":"Yeah.","start":1766.9501,"end":1767.1901,"sentiment":"neutral","sentiment_score":0.1420237421989441},{"text":"It did.","start":1767.1901,"end":1767.51,"sentiment":"neutral","sentiment_score":0.1704799085855484},{"text":"Just give us a breakdown of of what that would require, like, payment wise","start":1767.51,"end":1772.385,"sentiment":"neutral","sentiment_score":0.04896613982106958}],"sentiment":"neutral","sentiment_score":0.06930700710250272,"channel":1,"num_words":18,"start":1766.63,"end":1772.385},{"sentences":[{"text":"Yep.","start":1772.37,"end":1772.87,"sentiment":"neutral","sentiment_score":0.11252862215042114},{"text":"Yep.","start":1773.01,"end":1773.51,"sentiment":"neutral","sentiment_score":0.10642629861831664}],"sentiment":"neutral","sentiment_score":0.1094774603843689,"channel":0,"num_words":2,"start":1772.37,"end":1773.51},{"sentences":[{"text":"and nothing else.","start":1773.485,"end":1774.2051,"sentiment":"neutral","sentiment_score":0.04360941673318545},{"text":"So, yeah, make it more of an educated thing from 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what this looks like and what you might have to contribute.","start":1782.4249,"end":1786.605,"sentiment":"neutral","sentiment_score":0.023808632928289865},{"text":"If you're able to save about 200 per week, I wouldn't you wanna use up all of your savings, but just making sure that it is worth the cost of having them 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sorry.","start":1800.5199,"end":1801.8999,"sentiment":"neutral","sentiment_score":0.3115684688091278},{"text":"The only other thing to sort of go through is I've confirmed your income.","start":1801.96,"end":1806.4651,"sentiment":"neutral","sentiment_score":0.10943859576114587},{"text":"That's increased.","start":1806.4651,"end":1807.185,"sentiment":"neutral","sentiment_score":0.20881471782922745}],"sentiment":"neutral","sentiment_score":0.19904496874660255,"channel":0,"num_words":20,"start":1797.7999,"end":1807.185},{"sentences":[{"text":"We'll update that for you.","start":1807.185,"end":1808.725,"sentiment":"neutral","sentiment_score":0.2309414267539978},{"text":"Beautiful.","start":1808.865,"end":1809.365,"sentiment":"positive","sentiment_score":0.590387761592865},{"text":"With your super fund at the moment, now one of the other forms you have on that email is your hub twenty four performance 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look, having a look at things.","start":1963.9401,"end":1965.2201,"sentiment":"neutral","sentiment_score":0.020385328148092543},{"text":"So you're 44 this year.","start":1965.2201,"end":1966.66,"sentiment":"neutral","sentiment_score":0.0168723464012146},{"text":"So, you know, you're basically the same age as me.","start":1966.66,"end":1968.98,"sentiment":"neutral","sentiment_score":-0.018867474980652332},{"text":"You've got a lot of time ahead of you.","start":1968.98,"end":1970.5,"sentiment":"neutral","sentiment_score":-0.058598207930723824},{"text":"You can't really access supers at the age of 60 at the moment.","start":1970.5,"end":1973.86,"sentiment":"neutral","sentiment_score":-0.08415107830212666}],"sentiment":"neutral","sentiment_score":-0.03597644568336281,"channel":0,"num_words":44,"start":1963.9401,"end":1973.86},{"sentences":[{"text":"So having a bit more risk now is preferable.","start":1973.86,"end":1976.6,"sentiment":"neutral","sentiment_score":-0.12288395977682537},{"text":"If you were about sort of eight years away from accessing those funds, I would be absolutely pulling you back and saying, no.","start":1977.4349,"end":1983.755,"sentiment":"neutral","sentiment_score":-0.16438078232433484},{"text":"We need to start reducing the risk level now, but you","start":1983.755,"end":1987.0349,"sentiment":"neutral","sentiment_score":-0.1375395025719296}],"sentiment":"neutral","sentiment_score":-0.14882902697075245,"channel":0,"num_words":43,"start":1973.86,"end":1987.0349},{"sentences":[{"text":"Yeah.","start":1986.99,"end":1987.49,"sentiment":"neutral","sentiment_score":0.0008442141115665436}],"sentiment":"neutral","sentiment_score":0.0008442141115665436,"channel":1,"num_words":1,"start":1986.99,"end":1987.49},{"sentences":[{"text":"can still keep that working and growing a bit longer.","start":1987.0349,"end":1989.855,"sentiment":"neutral","sentiment_score":0.11689727455377578},{"text":"And then we just keep reviewing it with you regularly.","start":1990.1549,"end":1992.45,"sentiment":"neutral","sentiment_score":0.11882308572530746},{"text":"And then when","start":1992.69,"end":1993.25,"sentiment":"neutral","sentiment_score":0.06304573640227318}],"sentiment":"neutral","sentiment_score":0.11071047008685443,"channel":0,"num_words":23,"start":1987.0349,"end":1993.25},{"sentences":[{"text":"Mhmm.","start":1993.23,"end":1993.73,"sentiment":"neutral","sentiment_score":0.05156750604510307}],"sentiment":"neutral","sentiment_score":0.05156750604510307,"channel":1,"num_words":1,"start":1993.23,"end":1993.73},{"sentences":[{"text":"you are closer to accessing super, generally in that age 50 to 60 age range, we'll start really starting to be a bit more aggressive and pull things back a little bit, reduce the risk level gradually.","start":1993.25,"end":2003.83,"sentiment":"neutral","sentiment_score":-0.003076757996569614},{"text":"So by the time you hit retirement, you're not sitting in high risk, and you haven't done a drastic drop.","start":2004.13,"end":2009.805,"sentiment":"neutral","sentiment_score":-0.0217299560084939},{"text":"We've moved it down gradually.","start":2009.805,"end":2011.265,"sentiment":"neutral","sentiment_score":-0.03165585249662399},{"text":"It stepped you down","start":2011.3251,"end":2012.525,"sentiment":"neutral","sentiment_score":-0.015056426636874676}],"sentiment":"neutral","sentiment_score":-0.011620365682932916,"channel":0,"num_words":66,"start":1993.25,"end":2012.525},{"sentences":[{"text":"Yeah.","start":2012.1,"end":2012.6,"sentiment":"neutral","sentiment_score":-0.007583212107419968}],"sentiment":"neutral","sentiment_score":-0.007583212107419968,"channel":1,"num_words":1,"start":2012.1,"end":2012.6},{"sentences":[{"text":"over 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good.","start":2014.98,"end":2015.62,"sentiment":"positive","sentiment_score":0.4504493772983551}],"sentiment":"neutral","sentiment_score":0.23640163242816925,"channel":1,"num_words":7,"start":2014.26,"end":2015.62},{"sentences":[{"text":"I'm comfortable with with that game plan.","start":2015.62,"end":2017.5599,"sentiment":"positive","sentiment_score":0.47280056135995047}],"sentiment":"positive","sentiment_score":0.47280056135995047,"channel":1,"num_words":7,"start":2015.62,"end":2017.5599},{"sentences":[{"text":"Then fantastic.","start":2017.165,"end":2018.4651,"sentiment":"positive","sentiment_score":0.7624175548553467},{"text":"Excellent.","start":2019.245,"end":2019.745,"sentiment":"positive","sentiment_score":0.6258319616317749},{"text":"So I just wanted to quickly do a risk profile questionnaire as well just to reconfirm that, and that you have sort of said you are comfortable in a high growth environment.","start":2020.86,"end":2028.86,"sentiment":"neutral","sentiment_score":0.16504527418874204},{"text":"But I just had sort of two questions to ask to to sort of gauge how you might react in certain circumstances.","start":2028.86,"end":2035.28,"sentiment":"neutral","sentiment_score":0.005710345015607097},{"text":"If you did see a major market dip in the next sort of one to two years and your portfolio fell by 20%, how do you think you might be feeling?","start":2036.505,"end":2044.8451,"sentiment":"neutral","sentiment_score":-0.03973662018054916}],"sentiment":"neutral","sentiment_score":0.07188532056964257,"channel":0,"num_words":88,"start":2017.165,"end":2044.8451},{"sentences":[{"text":"Do you think you'd be comfortable?","start":2045.225,"end":2047.0851,"sentiment":"neutral","sentiment_score":-0.030866627891858418},{"text":"Maybe an opportunity to invest more money and wanting to put maybe some funds into the investment while it's down.","start":2047.625,"end":2053.26,"sentiment":"neutral","sentiment_score":-0.04326876290142536},{"text":"Do you think you'd be maybe calling us and having a chat, feeling a little bit concerned, or are you very anxious and maybe wanting to sell the investments to cash?","start":2053.48,"end":2061.825,"sentiment":"neutral","sentiment_score":-0.07773982691428354},{"text":"How do you think you might react?","start":2061.9849,"end":2063.605,"sentiment":"neutral","sentiment_score":-0.04062325640448502}],"sentiment":"neutral","sentiment_score":-0.05851363210240379,"channel":0,"num_words":64,"start":2045.225,"end":2063.605},{"sentences":[{"text":"Again, if it was in a couple of years, I know I've got time for it to bounce back.","start":2066.03,"end":2069.95,"sentiment":"neutral","sentiment_score":-0.04636056319271263},{"text":"So I'd probably be looking at maybe buying some while they're low","start":2069.95,"end":2074.69,"sentiment":"neutral","sentiment_score":-0.013609829902028045}],"sentiment":"neutral","sentiment_score":-0.03368285998341537,"channel":1,"num_words":31,"start":2066.03,"end":2074.69},{"sentences":[{"text":"Yep.","start":2074.385,"end":2074.885,"sentiment":"neutral","sentiment_score":-0.0020745336078107357},{"text":"Mhmm.","start":2075.345,"end":2075.845,"sentiment":"neutral","sentiment_score":0.013146668672561646}],"sentiment":"neutral","sentiment_score":0.005536067532375455,"channel":0,"num_words":2,"start":2074.385,"end":2075.845},{"sentences":[{"text":"on the hope or provider that it's gonna come back up and then should should actually, in the long term, create more wealth.","start":2077.07,"end":2083.895,"sentiment":"neutral","sentiment_score":0.039002663577380386}],"sentiment":"neutral","sentiment_score":0.039002663577380386,"channel":1,"num_words":23,"start":2077.07,"end":2083.895},{"sentences":[{"text":"Yep.","start":2084.57,"end":2084.97,"sentiment":"neutral","sentiment_score":0.06307407468557358},{"text":"Yep.","start":2084.97,"end":2085.29,"sentiment":"neutral","sentiment_score":0.11213573068380356},{"text":"Beautiful.","start":2085.29,"end":2085.79,"sentiment":"positive","sentiment_score":0.4151793122291565},{"text":"That's a really good answer.","start":2085.93,"end":2086.97,"sentiment":"positive","sentiment_score":0.46774469017982484},{"text":"I love that.","start":2086.97,"end":2087.87,"sentiment":"positive","sentiment_score":0.5731839934984843}],"sentiment":"positive","sentiment_score":0.4226058680902828,"channel":0,"num_words":11,"start":2084.57,"end":2087.87},{"sentences":[{"text":"When you I'm just going to so I'd sort of say you're feeling more optimistic about the investment opportunities in that sort of instance.","start":2089.05,"end":2096.355,"sentiment":"neutral","sentiment_score":0.20303065391878286},{"text":"Am I right with that answer?","start":2096.355,"end":2097.815,"sentiment":"neutral","sentiment_score":0.07597548142075539}],"sentiment":"neutral","sentiment_score":0.17761961941917737,"channel":0,"num_words":30,"start":2089.05,"end":2097.815},{"sentences":[{"text":"Yes.","start":2098.45,"end":2098.95,"sentiment":"neutral","sentiment_score":0.08315801620483398},{"text":"Yep.","start":2099.33,"end":2099.83,"sentiment":"neutral","sentiment_score":0.07458582520484924}],"sentiment":"neutral","sentiment_score":0.07887192070484161,"channel":1,"num_words":2,"start":2098.45,"end":2099.83},{"sentences":[{"text":"Yep.","start":2099.4749,"end":2099.875,"sentiment":"neutral","sentiment_score":0.1068619042634964},{"text":"Beautiful.","start":2099.875,"end":2100.375,"sentiment":"positive","sentiment_score":0.3343111276626587},{"text":"Beautiful.","start":2100.515,"end":2101.015,"sentiment":"neutral","sentiment_score":0.2735562026500702}],"sentiment":"neutral","sentiment_score":0.2382430781920751,"channel":0,"num_words":3,"start":2099.4749,"end":2101.015},{"sentences":[{"text":"Mhmm.","start":2100.61,"end":2101.11,"sentiment":"neutral","sentiment_score":0.053805865347385406}],"sentiment":"neutral","sentiment_score":0.053805865347385406,"channel":1,"num_words":1,"start":2100.61,"end":2101.11},{"sentences":[{"text":"Have you ever owned shares or managed funds in your own name before?","start":2101.555,"end":2105.575,"sentiment":"neutral","sentiment_score":0.001177134422155527}],"sentiment":"neutral","sentiment_score":0.001177134422155527,"channel":0,"num_words":13,"start":2101.555,"end":2105.575},{"sentences":[{"text":"I've got some shares through Comsec that","start":2106.9248,"end":2110.4648,"sentiment":"neutral","sentiment_score":-0.0559805841850383}],"sentiment":"neutral","sentiment_score":-0.0559805841850383,"channel":1,"num_words":7,"start":2106.9248,"end":2110.4648},{"sentences":[{"text":"Yep.","start":2110.6802,"end":2111.1802,"sentiment":"neutral","sentiment_score":-0.047245293855667114}],"sentiment":"neutral","sentiment_score":-0.047245293855667114,"channel":0,"num_words":1,"start":2110.6802,"end":2111.1802},{"sentences":[{"text":"I've chucked, like, a $100 and do, like, four years ago, and it's sitting at, like, a 150.","start":2110.845,"end":2115.325,"sentiment":"neutral","sentiment_score":-0.1363751855161455},{"text":"I literally do not do anything with it.","start":2115.325,"end":2117.2449,"sentiment":"neutral","sentiment_score":-0.28011396899819374},{"text":"It's just it's here.","start":2117.2449,"end":2118.4648,"sentiment":"neutral","sentiment_score":-0.08430127985775471}],"sentiment":"neutral","sentiment_score":-0.16776234035690626,"channel":1,"num_words":30,"start":2110.845,"end":2118.4648},{"sentences":[{"text":"No.","start":2120.035,"end":2120.2751,"sentiment":"neutral","sentiment_score":-0.09374963492155076},{"text":"That's okay.","start":2120.2751,"end":2120.995,"sentiment":"neutral","sentiment_score":-0.05344795621931553},{"text":"That's absolutely fine.","start":2120.995,"end":2122.2751,"sentiment":"neutral","sentiment_score":0.07727735117077827},{"text":"So you do own shares in your own 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think you might fit in that","start":2142.9001,"end":2144.595,"sentiment":"neutral","sentiment_score":-0.07856883563929135}],"sentiment":"neutral","sentiment_score":-0.06418700023953404,"channel":0,"num_words":70,"start":2124.915,"end":2144.595},{"sentences":[{"text":"I don't know.","start":2146.305,"end":2146.625,"sentiment":"neutral","sentiment_score":-0.09150922546784084},{"text":"Because, yeah, we've worked really hard to become 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whilst you have got a good return, I can see one or two investors that might be underperforming a little bit and would like to maybe change up your portfolio there as well.","start":2184.185,"end":2193.58,"sentiment":"neutral","sentiment_score":-0.03512593121130896}],"sentiment":"neutral","sentiment_score":0.006956434113707281,"channel":0,"num_words":66,"start":2176.425,"end":2193.58},{"sentences":[{"text":"Okay.","start":2194.1802,"end":2194.6802,"sentiment":"neutral","sentiment_score":0.021586157381534576}],"sentiment":"neutral","sentiment_score":0.021586157381534576,"channel":1,"num_words":1,"start":2194.1802,"end":2194.6802},{"sentences":[{"text":"There are different ways of investing.","start":2194.3599,"end":2196.38,"sentiment":"neutral","sentiment_score":0.024162315142651398},{"text":"So you can have what's called, an actively managed portfolio, which is where you invest in investment managers who are trying to outperform against the 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portfolio with different managers, or would you like to see something a bit more low cost, maybe keep fees lower in your portfolio?","start":2237.395,"end":2248.375,"sentiment":"neutral","sentiment_score":0.07316464357651196},{"text":"What would you like me to sort of see things through?","start":2248.435,"end":2250.89,"sentiment":"neutral","sentiment_score":0.02369208566167138}],"sentiment":"neutral","sentiment_score":0.05861613706306175,"channel":0,"num_words":54,"start":2232.68,"end":2250.89},{"sentences":[{"text":"I mean, I'm sort of happy with with how it's performing at the moment.","start":2252.065,"end":2255.425,"sentiment":"neutral","sentiment_score":0.20234983707112925},{"text":"Like, you know, as you said,","start":2255.425,"end":2256.465,"sentiment":"neutral","sentiment_score":0.00520745269022882}],"sentiment":"neutral","sentiment_score":0.14320712175685912,"channel":1,"num_words":20,"start":2252.065,"end":2256.465},{"sentences":[{"text":"Yep.","start":2256.23,"end":2256.73,"sentiment":"neutral","sentiment_score":0.008950943127274513}],"sentiment":"neutral","sentiment_score":0.008950943127274513,"channel":0,"num_words":1,"start":2256.23,"end":2256.73},{"sentences":[{"text":"it's between that sort of 810% range.","start":2256.465,"end":2259.0452,"sentiment":"neutral","sentiment_score":0.0007557146517293784}],"sentiment":"neutral","sentiment_score":0.0007557146517293784,"channel":1,"num_words":7,"start":2256.465,"end":2259.0452},{"sentences":[{"text":"Yep.","start":2259.43,"end":2259.93,"sentiment":"neutral","sentiment_score":0.02762683294713497}],"sentiment":"neutral","sentiment_score":0.02762683294713497,"channel":0,"num_words":1,"start":2259.43,"end":2259.93},{"sentences":[{"text":"Yeah.","start":2260.705,"end":2261.0251,"sentiment":"neutral","sentiment_score":0.03193454444408417},{"text":"I think at the moment, just sort of keep it keep it as it is.","start":2261.0251,"end":2264.325,"sentiment":"neutral","sentiment_score":-0.007287107408046722}],"sentiment":"neutral","sentiment_score":-0.004835754167288542,"channel":1,"num_words":16,"start":2260.705,"end":2264.325},{"sentences":[{"text":"Yep.","start":2264.71,"end":2265.045,"sentiment":"neutral","sentiment_score":0.039280738681554794},{"text":"Are you","start":2265.9248,"end":2266.2449,"sentiment":"neutral","sentiment_score":0.02734888345003128}],"sentiment":"neutral","sentiment_score":0.03132616852720579,"channel":0,"num_words":3,"start":2264.71,"end":2266.2449},{"sentences":[{"text":"That's","start":2266.1301,"end":2266.6301,"sentiment":"neutral","sentiment_score":0.1365315318107605}],"sentiment":"neutral","sentiment_score":0.1365315318107605,"channel":1,"num_words":1,"start":2266.1301,"end":2266.6301},{"sentences":[{"text":"happy for me just to go back and review some of the investments and just 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portfolio.","start":2288.06,"end":2294.0347,"sentiment":"neutral","sentiment_score":0.14859321558227143},{"text":"Is that right?","start":2294.0347,"end":2295.055,"sentiment":"neutral","sentiment_score":0.0912013053894043}],"sentiment":"neutral","sentiment_score":0.12985027815614428,"channel":0,"num_words":70,"start":2273.525,"end":2295.055},{"sentences":[{"text":"Yeah.","start":2295.46,"end":2295.86,"sentiment":"neutral","sentiment_score":0.05300770327448845},{"text":"Yeah.","start":2295.86,"end":2296.36,"sentiment":"neutral","sentiment_score":0.07329018414020538}],"sentiment":"neutral","sentiment_score":0.06314894370734692,"channel":1,"num_words":2,"start":2295.46,"end":2296.36},{"sentences":[{"text":"Yep.","start":2296.555,"end":2297.055,"sentiment":"neutral","sentiment_score":0.1314807087182999},{"text":"Beautiful.","start":2297.1948,"end":2297.6948,"sentiment":"positive","sentiment_score":0.4455728530883789},{"text":"Excellent.","start":2298.795,"end":2299.295,"sentiment":"positive","sentiment_score":0.469973087310791},{"text":"And just going through and updating all of your assets and liabilities there at the moment.","start":2300.315,"end":2304.635,"sentiment":"neutral","sentiment_score":0.1419140100479126},{"text":"Now last time we called up, you had some cash in the bank of that 75 Do you still have that cash in the bank?","start":2304.635,"end":2311.1401,"sentiment":"neutral","sentiment_score":0.008730703741312027}],"sentiment":"neutral","sentiment_score":0.080361781895838,"channel":0,"num_words":44,"start":2296.555,"end":2311.1401},{"sentences":[{"text":"We bought a caravan, so it's back down to it's about 55 now.","start":2312.315,"end":2315.855,"sentiment":"neutral","sentiment_score":0.027454218898828212}],"sentiment":"neutral","sentiment_score":0.027454218898828212,"channel":1,"num_words":13,"start":2312.315,"end":2315.855},{"sentences":[{"text":"55?","start":2316.32,"end":2317.2,"sentiment":"neutral","sentiment_score":0.05665070563554764},{"text":"Fantastic.","start":2317.2,"end":2317.7,"sentiment":"positive","sentiment_score":0.405118465423584},{"text":"And I'll just add the caravan on here as well.","start":2318.4001,"end":2321.06,"sentiment":"neutral","sentiment_score":0.1773799702525139}],"sentiment":"neutral","sentiment_score":0.18629740613202253,"channel":0,"num_words":12,"start":2316.32,"end":2321.06},{"sentences":[{"text":"Yes.","start":2320.88,"end":2321.38,"sentiment":"neutral","sentiment_score":0.11828510463237762}],"sentiment":"neutral","sentiment_score":0.11828510463237762,"channel":1,"num_words":1,"start":2320.88,"end":2321.38},{"sentences":[{"text":"Beautiful.","start":2322.285,"end":2322.685,"sentiment":"neutral","sentiment_score":0.22711721062660217},{"text":"What value would you put on the caravan there?","start":2322.685,"end":2325.265,"sentiment":"neutral","sentiment_score":0.044294628211193614}],"sentiment":"neutral","sentiment_score":0.06257688645273447,"channel":0,"num_words":10,"start":2322.285,"end":2325.265},{"sentences":[{"text":"I got 20.","start":2325.92,"end":2326.98,"sentiment":"neutral","sentiment_score":0.004519577759007613}],"sentiment":"neutral","sentiment_score":0.004519577759007613,"channel":1,"num_words":3,"start":2325.92,"end":2326.98},{"sentences":[{"text":"20,000?","start":2327.7249,"end":2328.625,"sentiment":"neutral","sentiment_score":0.019449621438980103},{"text":"Fantastic.","start":2328.845,"end":2329.345,"sentiment":"neutral","sentiment_score":0.23085090517997744}],"sentiment":"neutral","sentiment_score":0.12515026330947876,"channel":0,"num_words":2,"start":2327.7249,"end":2329.345},{"sentences":[{"text":"Yep.","start":2328.885,"end":2329.045,"sentiment":"neutral","sentiment_score":0.10885773599147797},{"text":"$20.","start":2329.045,"end":2330.105,"sentiment":"neutral","sentiment_score":0.1409848928451538}],"sentiment":"neutral","sentiment_score":0.12492131441831589,"channel":1,"num_words":2,"start":2328.885,"end":2330.105},{"sentences":[{"text":"Lovely.","start":2330.765,"end":2331.2449,"sentiment":"neutral","sentiment_score":0.2413261830806732},{"text":"And that's all earned out right since you used the cash to 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also got your vehicle, which is a Jeep Grand Cherokee.","start":2338.78,"end":2342.1602,"sentiment":"neutral","sentiment_score":0.0763464356687936},{"text":"Do you still have the same vehicle?","start":2342.22,"end":2344.0,"sentiment":"neutral","sentiment_score":0.019083210666264807}],"sentiment":"neutral","sentiment_score":0.0777461485316356,"channel":0,"num_words":21,"start":2336.3801,"end":2344.0},{"sentences":[{"text":"Yeah.","start":2344.21,"end":2344.69,"sentiment":"neutral","sentiment_score":0.00858672708272934},{"text":"So, yeah, still got that.","start":2344.69,"end":2346.39,"sentiment":"neutral","sentiment_score":0.019923674501478673}],"sentiment":"neutral","sentiment_score":0.01803418326502045,"channel":1,"num_words":6,"start":2344.21,"end":2346.39},{"sentences":[{"text":"Fantastic.","start":2346.86,"end":2347.36,"sentiment":"neutral","sentiment_score":0.1905289888381958},{"text":"Value on that last year was about 30,000.","start":2347.58,"end":2350.065,"sentiment":"neutral","sentiment_score":0.030921144178137183},{"text":"Would you update or change that value at all?","start":2350.065,"end":2352.565,"sentiment":"neutral","sentiment_score":-0.0017452846384710735}],"sentiment":"neutral","sentiment_score":0.023455032250947423,"channel":0,"num_words":18,"start":2346.86,"end":2352.565},{"sentences":[{"text":"It's probably dropped to be fair.","start":2353.2249,"end":2354.585,"sentiment":"neutral","sentiment_score":-0.13462000091870627},{"text":"It's probably around about 25 now.","start":2354.585,"end":2357.165,"sentiment":"neutral","sentiment_score":-0.0822147640089194}],"sentiment":"neutral","sentiment_score":-0.10841738246381283,"channel":1,"num_words":12,"start":2353.2249,"end":2357.165},{"sentences":[{"text":"Yep.","start":2357.505,"end":2357.9849,"sentiment":"neutral","sentiment_score":0.032809898257255554},{"text":"Absolutely 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750 per week.","start":2384.875,"end":2388.63,"sentiment":"neutral","sentiment_score":-0.0028400557736555734},{"text":"Has the rent stayed the same this year?","start":2388.63,"end":2390.8098,"sentiment":"neutral","sentiment_score":-0.013575130957178771}],"sentiment":"neutral","sentiment_score":0.026605539743534544,"channel":0,"num_words":22,"start":2382.715,"end":2390.8098},{"sentences":[{"text":"So It's gone up to $8,810 per week now.","start":2390.9849,"end":2394.845,"sentiment":"neutral","sentiment_score":0.027481442110406026}],"sentiment":"neutral","sentiment_score":0.027481442110406026,"channel":1,"num_words":9,"start":2390.9849,"end":2394.845},{"sentences":[{"text":"$8.10 per week?","start":2394.7898,"end":2396.17,"sentiment":"neutral","sentiment_score":0.029826931655406952},{"text":"Lovely.","start":2396.3098,"end":2396.71,"sentiment":"positive","sentiment_score":0.6083539724349976},{"text":"Thank you for updating 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have down here that you're wanting to purchase property generally around the next sort of twenty four months 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forward, you would like to build more of a property portfolio towards your time and as well.","start":2408.645,"end":2414.6099,"sentiment":"neutral","sentiment_score":0.15888779839644065},{"text":"Is that still one of your goals, or are you happy with just being able to purchase your main primary residence and move your family in there in the next couple of years?","start":2414.6099,"end":2422.21,"sentiment":"neutral","sentiment_score":0.13952269597035466},{"text":"What sort of","start":2422.21,"end":2423.17,"sentiment":"neutral","sentiment_score":0.014143044749895731}],"sentiment":"neutral","sentiment_score":0.14157678805772336,"channel":0,"num_words":62,"start":2408.645,"end":2423.17},{"sentences":[{"text":"Probably","start":2423.115,"end":2423.615,"sentiment":"neutral","sentiment_score":0.017437908798456192}],"sentiment":"neutral","sentiment_score":0.017437908798456192,"channel":1,"num_words":1,"start":2423.115,"end":2423.615},{"sentences":[{"text":"other 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call.","start":2853.4949,"end":2853.8948,"sentiment":"positive","sentiment_score":0.5195551216602325},{"text":"I will let you go so you can enjoy your day.","start":2853.8948,"end":2856.055,"sentiment":"positive","sentiment_score":0.4919877621260556},{"text":"I've booked in your pre assessment for Monday, and I've added a text message reminder there for you as well.","start":2856.055,"end":2861.4102,"sentiment":"neutral","sentiment_score":0.21950637474656104},{"text":"So we'll send you a message an hour prior to remind you that we're calling.","start":2861.4102,"end":2865.35,"sentiment":"neutral","sentiment_score":0.11662088384230931}],"sentiment":"neutral","sentiment_score":0.26230034123485285,"channel":0,"num_words":48,"start":2853.4949,"end":2865.35},{"sentences":[{"text":"Perfect.","start":2865.8699,"end":2866.3699,"sentiment":"positive","sentiment_score":0.7152917981147766}],"sentiment":"positive","sentiment_score":0.7152917981147766,"channel":1,"num_words":1,"start":2865.8699,"end":2866.3699},{"sentences":[{"text":"My team member, Samantha, will be the one to give you a call.","start":2865.8901,"end":2868.61,"sentiment":"positive","sentiment_score":0.4724828532108894},{"text":"She's fantastic.","start":2868.61,"end":2869.43,"sentiment":"positive","sentiment_score":0.834492027759552},{"text":"These pre assessments will make it nice and easy on you.","start":2869.57,"end":2872.61,"sentiment":"positive","sentiment_score":0.7527531602165916},{"text":"Okay.","start":2872.61,"end":2873.11,"sentiment":"neutral","sentiment_score":0.22548359632492063}],"sentiment":"positive","sentiment_score":0.6043344261469664,"channel":0,"num_words":27,"start":2865.8901,"end":2873.11},{"sentences":[{"text":"Mhmm.","start":2872.99,"end":2873.0698,"sentiment":"neutral","sentiment_score":0.13994303345680237},{"text":"Alright.","start":2873.0698,"end":2873.39,"sentiment":"neutral","sentiment_score":0.2973281145095825},{"text":"It sounds sounds good at all.","start":2873.39,"end":2874.5898,"sentiment":"positive","sentiment_score":0.6497408946355184},{"text":"Thanks very much","start":2874.5898,"end":2875.23,"sentiment":"positive","sentiment_score":0.826338549455007}],"sentiment":"positive","sentiment_score":0.6195211058313196,"channel":1,"num_words":11,"start":2872.99,"end":2875.23},{"sentences":[{"text":"Fantastic.","start":2875.1702,"end":2875.6702,"sentiment":"positive","sentiment_score":0.7345138788223267}],"sentiment":"positive","sentiment_score":0.7345138788223267,"channel":0,"num_words":1,"start":2875.1702,"end":2875.6702},{"sentences":[{"text":"for the call.","start":2875.23,"end":2876.0498,"sentiment":"positive","sentiment_score":0.7649207909901937}],"sentiment":"positive","sentiment_score":0.7649207909901937,"channel":1,"num_words":3,"start":2875.23,"end":2876.0498},{"sentences":[{"text":"Fantastic.","start":2876.345,"end":2876.585,"sentiment":"positive","sentiment_score":0.7312073707580566},{"text":"My pleasure, Ryan.","start":2876.585,"end":2877.385,"sentiment":"positive","sentiment_score":0.6610823671023051},{"text":"I'll get stuck into the research, and I'll get once Samantha has done the pre assessment with her I'll with you.","start":2877.385,"end":2883.385,"sentiment":"positive","sentiment_score":0.35349162774426596},{"text":"Sorry.","start":2883.385,"end":2883.785,"sentiment":"neutral","sentiment_score":-0.07114171981811523},{"text":"I'll get her to rebook in your advice presentation in a couple of weeks' time.","start":2883.785,"end":2887.98,"sentiment":"neutral","sentiment_score":0.046088185906410215}],"sentiment":"neutral","sentiment_score":0.2623892615481121,"channel":0,"num_words":41,"start":2876.345,"end":2887.98},{"sentences":[{"text":"Yep.","start":2888.575,"end":2889.055,"sentiment":"neutral","sentiment_score":0.13264521956443787},{"text":"Alright.","start":2889.055,"end":2889.455,"sentiment":"neutral","sentiment_score":0.25762781500816345},{"text":"Sounds 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a","start":2891.82,"end":2892.14,"sentiment":"positive","sentiment_score":0.4536827355623245}],"sentiment":"positive","sentiment_score":0.4536827355623245,"channel":0,"num_words":2,"start":2891.82,"end":2892.14},{"sentences":[{"text":"Thank","start":2892.0889,"end":2892.3289,"sentiment":"positive","sentiment_score":0.5016630291938782}],"sentiment":"positive","sentiment_score":0.5016630291938782,"channel":1,"num_words":1,"start":2892.0889,"end":2892.3289},{"sentences":[{"text":"good day.","start":2892.14,"end":2892.54,"sentiment":"positive","sentiment_score":0.5101311802864075}],"sentiment":"positive","sentiment_score":0.5101311802864075,"channel":0,"num_words":2,"start":2892.14,"end":2892.54},{"sentences":[{"text":"you.","start":2892.3289,"end":2892.8289,"sentiment":"neutral","sentiment_score":0.14161288738250732}],"sentiment":"neutral","sentiment_score":0.14161288738250732,"channel":1,"num_words":1,"start":2892.3289,"end":2892.8289},{"sentences":[{"text":"Don't work","start":2892.54,"end":2893.02,"sentiment":"neutral","sentiment_score":-0.05806751921772957}],"sentiment":"neutral","sentiment_score":-0.05806751921772957,"channel":0,"num_words":2,"start":2892.54,"end":2893.02},{"sentences":[{"text":"You","start":2892.889,"end":2893.2087,"sentiment":"neutral","sentiment_score":-0.15481896698474884}],"sentiment":"neutral","sentiment_score":-0.15481896698474884,"channel":1,"num_words":1,"start":2892.889,"end":2893.2087},{"sentences":[{"text":"too","start":2893.02,"end":2893.26,"sentiment":"neutral","sentiment_score":-0.21390566229820251}],"sentiment":"neutral","sentiment_score":-0.21390566229820251,"channel":0,"num_words":1,"start":2893.02,"end":2893.26},{"sentences":[{"text":"too.","start":2893.2087,"end":2893.7087,"sentiment":"neutral","sentiment_score":-0.16028660535812378}],"sentiment":"neutral","sentiment_score":-0.16028660535812378,"channel":1,"num_words":1,"start":2893.2087,"end":2893.7087},{"sentences":[{"text":"hard.","start":2893.26,"end":2893.58,"sentiment":"neutral","sentiment_score":-0.1209530308842659},{"text":"No worries.","start":2893.58,"end":2894.32,"sentiment":"neutral","sentiment_score":-0.06137958727777004}],"sentiment":"neutral","sentiment_score":-0.08123740181326866,"channel":0,"num_words":3,"start":2893.26,"end":2894.32},{"sentences":[{"text":"Alright.","start":2894.169,"end":2894.669,"sentiment":"neutral","sentiment_score":0.016094829887151718}],"sentiment":"neutral","sentiment_score":0.016094829887151718,"channel":1,"num_words":1,"start":2894.169,"end":2894.669},{"sentences":[{"text":"See you later.","start":2894.54,"end":2895.28,"sentiment":"neutral","sentiment_score":0.0006071217358112341}],"sentiment":"neutral","sentiment_score":0.0006071217358112341,"channel":0,"num_words":3,"start":2894.54,"end":2895.28},{"sentences":[{"text":"I'll I'll try not to.","start":2894.9688,"end":2896.0889,"sentiment":"neutral","sentiment_score":-0.16788055151700973},{"text":"Okay.","start":2896.0889,"end":2896.409,"sentiment":"neutral","sentiment_score":-0.0026796944439411163},{"text":"Bye bye.","start":2896.409,"end":2896.9888,"sentiment":"neutral","sentiment_score":0.022315584123134613}],"sentiment":"neutral","sentiment_score":-0.09968141047284007,"channel":1,"num_words":8,"start":2894.9688,"end":2896.9888},{"sentences":[{"text":"See you later.","start":2897.42,"end":2898.24,"sentiment":"neutral","sentiment_score":0.06726582845052083}],"sentiment":"neutral","sentiment_score":0.06726582845052083,"channel":0,"num_words":3,"start":2897.42,"end":2898.24},{"sentences":[{"text":"See you.","start":2898.3289,"end":2898.9888,"sentiment":"neutral","sentiment_score":-0.02247656136751175}],"sentiment":"neutral","sentiment_score":-0.02247656136751175,"channel":1,"num_words":2,"start":2898.3289,"end":2898.9888}]},"summary":{"result":"success","short":"A representative from Okey Financial calls Ryan Adams Stewart to discuss his annual review and consolidating his super funds into three different plans. They discuss the risks of losing coverage and the coverage for death and the possibility of covering debts if the customer is to pass away. The agent explains the coverage for death and the possibility of covering debts if the customer is to pass away. They also discuss retirement plans and risk profiles, including the possibility of investing more money and potentially selling the investment to cash. The agent schedules a pre assessment with the customer to determine their contract and offer a quote."},"intents":{"segments":[{"text":"I had to book in to go through your interview. Is now still a good time there for you? Yes. Yep.","start_word":55,"end_word":75,"intents":[{"intent":"Book interview","confidence_score":0.045734305}]},{"text":"So the last document sent was on the April 21, and that one has expired. That one wasn't unfortunately signed. Oh, okay.","start_word":379,"end_word":400,"intents":[{"intent":"Open document","confidence_score":0.00748489},{"intent":"Update documents","confidence_score":0.0068015973}]},{"text":"We'll do a review of the circumstances, have a look at things now, and I'll go back and I'll update the advice.","start_word":421,"end_word":442,"intents":[{"intent":"Review circumstances","confidence_score":0.14539109}]},{"text":"So we'll go back and do some research, and I'll book you back in in a couple of weeks. We'll come back together and go through that advice document at a time that suits you. Okay? Yeah.","start_word":475,"end_word":511,"intents":[{"intent":"Book one","confidence_score":0.0000274884}]},{"text":"We'll come back together and go through that advice document at a time that suits you. Okay? Yeah.","start_word":494,"end_word":511,"intents":[{"intent":"Go through advice","confidence_score":0.02061403}]},{"text":"The first on that email, can you see the email that I've just recently sent through to you there at all? Yep.","start_word":516,"end_word":537,"intents":[{"intent":"Provide information","confidence_score":0.03543169},{"intent":"Access email","confidence_score":0.0038904133},{"intent":"Check address","confidence_score":0.00066820375}]},{"text":"four, you've got a balance there. Sorry.","start_word":637,"end_word":643,"intents":[{"intent":"Obtain balance","confidence_score":0.0020551067}]},{"text":"maybe consolidate things back a little bit for you, streamline it, make it a bit easier, save you some fees, and make sure your money is growing as hard and working as hard as possible for you is the preference there. For sure.","start_word":763,"end_word":805,"intents":[{"intent":"Optimize and streamline funds","confidence_score":0.00011912502}]},{"text":"So we have been trying to work out what to do. The if you are looking to keep all three of those open, we would need to look at finding a way to be able to contribute into all three of them for you with the I'm just sort of having a look because with the insurances we do have at the moment, the are we?","start_word":917,"end_word":982,"intents":[{"intent":"Explore and contribute to insurance coverage","confidence_score":0.000045011646}]},{"text":"Your bus queue gives you, has a level cover of 200,000 of life and about 60,000 of TBD. But when we sort of break down the the rest of it, the bus queue also offers, like, TTD, which is sort of a temporary disablement, whereas C Bus doesn't really have any kind of income protection side of things there.","start_word":1005,"end_word":1063,"intents":[{"intent":"Inform about the bus queue","confidence_score":0.000047027002}]},{"text":"But when we sort of break down the the rest of it, the bus queue also offers, like, TTD, which is sort of a temporary disablement, whereas C Bus doesn't really have any kind of income protection side of things there.","start_word":1023,"end_word":1063,"intents":[{"intent":"Suggest a temporary disablement","confidence_score":0.0000013453881}]},{"text":"So I think moving forward, just kind of reevaluating what it is that you actually wanna have with insurances, what you wanna have covered, and what your goals are will probably help us to decide which ones we do consolidate or whether we do keep all three open and whether we just look to make additional contributions out of your cash flow into one of those to kind of keep it working.","start_word":1065,"end_word":1136,"intents":[{"intent":"Consolidate insurance","confidence_score":0.008160156}]},{"text":"Because the other thing is in order to have those refunds open, we need to make sure as well. That way, you can keep them open, keep them working, they can keep paying the insurance premiums. Yeah.","start_word":1136,"end_word":1172,"intents":[{"intent":"Keep policy open","confidence_score":0.0011773898}]},{"text":"we just wanna I I make sure understand. that if you're wanting to keep all that cover there, that we do make sure that the cover is appropriate to you and that you are able to keep it working harder. Does that make sense?","start_word":1235,"end_word":1278,"intents":[{"intent":"Ensure cover","confidence_score":0.001171808},{"intent":"Assist with policy","confidence_score":0.00002735009}]},{"text":"Your life cover currently with us here is sitting at 200,000.","start_word":1325,"end_word":1335,"intents":[{"intent":"Confirm life cover","confidence_score":0.034379367}]},{"text":"I'll go back and reconfirm the c bus side of things.","start_word":1450,"end_word":1460,"intents":[{"intent":"Confirm c bus side","confidence_score":0.11756652},{"intent":"Confirm c bus side","confidence_score":0.42296037}]},{"text":"you think about if you were to pass away today and that 652,000 was paid out, where do you want it to be paid to, and what do you want that to cover?","start_word":1464,"end_word":1496,"intents":[{"intent":"Clarify payment plan","confidence_score":0.011342392}]},{"text":"Is that still the same income, or have you got a pay increase on that I've lost a thing with I just had my group certificate come through recently, and I think it it had gone up to about a 150. That's obviously before tax, so gross one income at was, all? Yeah.","start_word":1841,"end_word":1893,"intents":[{"intent":"Confirm income coverage","confidence_score":0.004856689},{"intent":"Clarify insurance coverage","confidence_score":0.001002827}]},{"text":"If you think about the life cover and the current benefit amount of $606,152,006 59, and if you divide that by a 150,000, it essentially, with no debts, would cover your gross income for your family for about 4.3. So just over four years. Do you think that is sufficient, or would you like me to go and see if I can do something with the cover and maybe look to consolidate or get you some more life cover?","start_word":1905,"end_word":1983,"intents":[{"intent":"Identify needs for life cover","confidence_score":0.0000031658874}]},{"text":"Do you think that is sufficient, or would you like me to go and see if I can do something with the cover and maybe look to consolidate or get you some more life cover? How do you feel about that?","start_word":1949,"end_word":1989,"intents":[{"intent":"Consolidate and obtain more life cover","confidence_score":0.0058209477}]},{"text":"For for our current situation, yes. Yep. Obviously, down the track if we because we are looking at buying a property at some stage if of if we were to get a mortgage, you know, I'd have to reassess to make sure that that would be covered.","start_word":2167,"end_word":2213,"intents":[{"intent":"Assess coverage for current situation","confidence_score":0.00006187397}]},{"text":"I would absolutely be wanting to reevaluate your goals, your advice, and definitely your insurance aspects and things like that then as well. Okay?","start_word":2334,"end_word":2357,"intents":[{"intent":"Evaluate goals","confidence_score":0.2680778}]},{"text":"You can also claim on your super benefit at the same time. So you we can get basically, you're covered for the same amount between. Well, actually, no.","start_word":2397,"end_word":2424,"intents":[{"intent":"Claim super benefit","confidence_score":0.31992045}]},{"text":"Are you still in the same occupation? Are you doing more admin work?","start_word":2570,"end_word":2582,"intents":[{"intent":"Describe occupation changes","confidence_score":0.0019451667}]},{"text":"So, yeah, just that same same role, same responsibilities, just, yeah, Yep.","start_word":2620,"end_word":2631,"intents":[{"intent":"Describe role","confidence_score":0.0024182654},{"intent":"Explain role","confidence_score":0.19046816},{"intent":"Explain role","confidence_score":0.0145911565}]},{"text":"walls up essentially, and then you have concrete poured over top of that, and we come on to the next level, put put more walls up, pour more concrete, and so on and so forth until we we top out at whatever level the building's going to.","start_word":2922,"end_word":2968,"intents":[{"intent":"Discuss structure of work","confidence_score":0.007228496}]},{"text":"I definitely in this role, you get to learn a lot about what people do. But, I mean, in construction, especially, you have so many different components and parts and people that do all these different roles. Yeah.","start_word":2987,"end_word":3024,"intents":[{"intent":"Inquire about role roles","confidence_score":0.0010863019},{"intent":"Explain role role roles","confidence_score":0.07079388}]},{"text":"In the event of, say, permanent capacity, so if you were never able to go back to work again because of, you know, something happening in your role, do you think that 420,000, if I sort of the 428,000, if I divide that by your current gross income, it essentially gives you a little over two years.","start_word":3085,"end_word":3141,"intents":[{"intent":"Explain income usage","confidence_score":0.001517868}]},{"text":"The tax can be up to 22%. It depends on your age and stage and a few other factors that the tax can be lessened.","start_word":3231,"end_word":3255,"intents":[{"intent":"Discuss tax deductions","confidence_score":0.036093954}]},{"text":"And we as advisers, if you claim on TPD, we'll help you with the claim, but then we will also provide advice on how to structure things to help limit that.","start_word":3256,"end_word":3286,"intents":[{"intent":"Offer advice","confidence_score":0.020722615}]},{"text":"How many years of income replacement would you feel comfortable with do you think as a base knowing that Angela could definitely go back to work later down the track? Would you want me to cover, you know, five or ten years worth of net or gross income or a little bit less? What would you be comfortable with having?","start_word":3381,"end_word":3440,"intents":[{"intent":"Explore income options","confidence_score":0.08161395}]},{"text":"That kind of occupation for TPD has to be paid out of your back pocket. It can't be paid for inside paper. It does make that kind of cover a lot more expensive. It would be very hard to probably get that for your occupation.","start_word":3726,"end_word":3770,"intents":[{"intent":"Ensure medical coverage and affordability","confidence_score":3.2771634e-9}]},{"text":"It can be a bit confusing with the the type of TBD, what it is, what the definitions are, how it can be claimed.","start_word":4120,"end_word":4143,"intents":[{"intent":"Understand tbd definitions","confidence_score":0.12859707},{"intent":"Address misunderstandings with confusion about tbd definitions","confidence_score":1.9415273e-13}]},{"text":"It can be a bit confusing with the the type of TBD, what it is, what the definitions are, how it can be claimed. Did you want me to break anything of that down more for you? Did you have further questions in relation to any of I that, think Ryan?","start_word":4120,"end_word":4170,"intents":[{"intent":"Request clarification","confidence_score":0.023412991}]},{"text":"It can be a bit confusing with the the type of TBD, what it is, what the definitions are, how it can be claimed. Did you want me to break anything of that down more for you? Did you have further questions in relation to any of I that, think Ryan? I've got a pretty yeah. A pretty good understanding of it. Yeah. Yeah.","start_word":4120,"end_word":4183,"intents":[{"intent":"Understand language","confidence_score":0.0015740029},{"intent":"Understand brief explanation","confidence_score":0.0014056731}]},{"text":"Now I know with your your bus queue policy, you have TTD, which is a total it's sorry. Temporary disablement is part of your TBD, and it means that if you are unable to go to work for a certain period of time, they can pay out, like, a lump sum or a little bit of money as a temporary disablement.","start_word":4247,"end_word":4307,"intents":[{"intent":"Evaluate policy options","confidence_score":0.000015857475},{"intent":"Discuss bus queue policy","confidence_score":0.0009873488},{"intent":"Discuss financial benefits","confidence_score":0.0008484001}]},{"text":"There is so my boss pays into another separate fund. I think it's called CIP, Yep. which is another income protection insurance thing, and that's through the through the union. And then I've also also got another one which he pays into, which is called the Birch Fund, and that's more of like a redundancy type payment. Okay.","start_word":4376,"end_word":4433,"intents":[{"intent":"Confirm understanding of cip and birch fund","confidence_score":0.000012194598},{"intent":"Understand gap between covid and birch fund","confidence_score":0.0000014505138}]},{"text":"I oh, that's one I haven't looked into. policy?","start_word":4491,"end_word":4499,"intents":[{"intent":"Discuss policy options","confidence_score":0.034107663}]},{"text":"Trauma is an out of pocket expense, so you can't pay for inside super.","start_word":4879,"end_word":4892,"intents":[{"intent":"Evaluate traumatic expenses","confidence_score":0.003658098}]},{"text":"I'll do the research against the funds and what this looks like and what you might have to contribute. If you're able to save about 200 per week, I wouldn't you wanna use up all of your savings, but just making sure that it is worth the cost of having them open. Okay?","start_word":5606,"end_word":5658,"intents":[{"intent":"Emphasize contribution","confidence_score":0.000027367338}]},{"text":"The only other thing to sort of go through is I've confirmed your income. That's increased. We'll update that for you. Beautiful.","start_word":5665,"end_word":5686,"intents":[{"intent":"Confirm income","confidence_score":0.1442389},{"intent":"Update income","confidence_score":0.45220333}]},{"text":"With your super fund at the moment, now one of the other forms you have on that email is your hub twenty four performance report. If you're able to click on that one, it goes to and tells you what your hub twenty four has done for the year performance wise.","start_word":5687,"end_word":5737,"intents":[{"intent":"Discuss performance","confidence_score":0.027054578}]},{"text":"It is solely the portfolio working and building. Some people Mhmm.","start_word":5812,"end_word":5822,"intents":[{"intent":"Discuss portfolio building","confidence_score":0.06543549}]},{"text":"So it is kind of good to see that, you know, you have come out with a positive return. You're in kind of a high growth environment. So, essentially, when you think about high growth, you normally see about 90% of your super invested in growth assets. These are things like Australian I got shares, a text. international shares, listed property, and commodities like gold and silver.","start_word":5921,"end_word":5987,"intents":[{"intent":"Evaluate growth","confidence_score":0.00027862552}]},{"text":"You're in kind of a high growth environment. So, essentially, when you think about high growth, you normally see about 90% of your super invested in growth assets. These are things like Australian I got shares, a text. international shares, listed property, and commodities like gold and silver.","start_word":5940,"end_word":5987,"intents":[{"intent":"Confirm growth","confidence_score":0.0010064727},{"intent":"Discuss growth","confidence_score":0.19067384}]},{"text":"So, essentially, when you think about high growth, you normally see about 90% of your super invested in growth assets. These are things like Australian I got shares, a text. international shares, listed property, and commodities like gold and silver.","start_word":5948,"end_word":5987,"intents":[{"intent":"Discuss investment","confidence_score":0.058055833}]},{"text":"you are closer to accessing super, generally in that age 50 to 60 age range, we'll start really starting to be a bit more aggressive and pull things back a little bit, reduce the risk level gradually.","start_word":6303,"end_word":6339,"intents":[{"intent":"Reduce risk level","confidence_score":0.025879234}]},{"text":"Well, you have definitely scored during that high growth environment, and due to your age and stage, I'm happy to keep you there.","start_word":6842,"end_word":6864,"intents":[{"intent":"Express satisfaction with portfolio performance","confidence_score":0.0108449785}]},{"text":"I have sorta had a look at the investment portfolio and can sort of see that I'd like to switch some of the investments out. So whilst you have got a good return, I can see one or two investors that might be underperforming a little bit and would like to maybe change up your portfolio there as well. Okay.","start_word":6874,"end_word":6933,"intents":[{"intent":"Change portfolio","confidence_score":0.0075988355},{"intent":"Assess portfolio performance","confidence_score":0.07408604}]},{"text":"Are you That's happy for me just to go back and review some of the investments and just remove oh, some yes. underperforming Yeah.","start_word":7158,"end_word":7181,"intents":[{"intent":"Review investments","confidence_score":0.3536845},{"intent":"Express satisfaction","confidence_score":0.0005036061},{"intent":"Express gratitude","confidence_score":0.005747771}]},{"text":"I'll have a look at the portfolios that we have because this is one of the older ones as well. I'll look at what you've got whether just switching some investments works well or whether maybe switching the entire portfolio tracking forward. I can keep it in that high growth sort of range for you, and you still wanna see some active management in your portfolio. Is that right? Yeah.","start_word":7194,"end_word":7263,"intents":[{"intent":"Clarify portfolio size","confidence_score":2.3932108e-7},{"intent":"Update portfolio values","confidence_score":0.010752465}]},{"text":"Beautiful. Excellent.","start_word":7266,"end_word":7267,"intents":[{"intent":"Thank speaker","confidence_score":0.0011643037}]},{"text":"What value would you put on the caravan there? I got 20.","start_word":7336,"end_word":7347,"intents":[{"intent":"Update vehicle value","confidence_score":0.15183471}]},{"text":"Medium medium term goals I have down here that you're wanting to purchase property generally around the next sort of twenty four months then. Mhmm.","start_word":7534,"end_word":7558,"intents":[{"intent":"Have property goals","confidence_score":0.0028074295}]},{"text":"I've got down here with regard to your super that you were hoping to be able to access that and hopefully retire around about age 60. Is that still our goal?","start_word":7698,"end_word":7728,"intents":[{"intent":"Access super","confidence_score":0.4008739}]},{"text":"I've got down here with regard to your super that you were hoping to be able to access that and hopefully retire around about age 60. Is that still our goal? We wanna retire as soon as we possibly can. I'd love to.","start_word":7698,"end_word":7740,"intents":[{"intent":"Retire","confidence_score":0.03864952}]},{"text":"Also noted here, you don't have a will and power of attorney or haven't in the past. Have you ever drawn up a will, power of attorney, or have you and your wife ever spoken about doing these documents with a a lawyer? We're yeah.","start_word":7961,"end_word":8005,"intents":[{"intent":"Provide documents","confidence_score":0.00013439186}]},{"text":"We can refer you to a solicitor and provide some additional information on how how to get those done to help you guys out as well. Okay.","start_word":8050,"end_word":8076,"intents":[{"intent":"Refer to solicitor","confidence_score":0.41912702}]},{"text":"Now it has been your last pre assessment was actually done up in late twenty twenty four. I like to do a new pre assessment with you if possible just so when I'm doing research with the insurance providers, I can really look at what contracts might be on offer, especially with your Occhiopation just making sure, you know, we can get the best possible outcome for you.","start_word":8083,"end_word":8150,"intents":[{"intent":"Confirm pre assessment","confidence_score":0.009754618}]},{"text":"Is there a Mhmm. day maybe this week or next week that I could get one of my admin team to give you a call?","start_word":8151,"end_word":8175,"intents":[{"intent":"Schedule a call","confidence_score":0.013752519}]},{"text":"But, yeah, we'll just go for I don't know. Should we go for Monday afternoon?","start_word":8237,"end_word":8251,"intents":[{"intent":"Plan meeting","confidence_score":0.007889448}]},{"text":"you are able to click on that sign button for me, I can take you through and show you essentially what the fee is for the year because it works out to be we work it out as a dollar fee based on the tiered structure.","start_word":8610,"end_word":8655,"intents":[{"intent":"Update fee structure","confidence_score":0.0008963497}]},{"text":"you are able to click on that sign button for me, I can take you through and show you essentially what the fee is for the year because it works out to be we work it out as a dollar fee based on the tiered structure. So that Yep.","start_word":8610,"end_word":8658,"intents":[{"intent":"Show fee details","confidence_score":0.06547932}]}]},"sentiments":{"segments":[{"text":"For your name and reason for calling, I'll see if this person is available. Oakview Financial annual review.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.028971320018172264},{"text":"Thanks.","start_word":18,"end_word":18,"sentiment":"positive","sentiment_score":0.34415203332901},{"text":"Please stay on the line. Ryan speaking. Hi, Ryan. It's Dana from Okey Financial. How are you this morning?","start_word":19,"end_word":37,"sentiment":"neutral","sentiment_score":0.16699187457561493},{"text":"I'm good this morning. Thank you.","start_word":38,"end_word":43,"sentiment":"positive","sentiment_score":0.4568055272102356},{"text":"How are you?","start_word":44,"end_word":46,"sentiment":"neutral","sentiment_score":0.2985352873802185},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":47,"end_word":54,"sentiment":"positive","sentiment_score":0.5211623311042786},{"text":"I had to book in to go through your interview. Is now still a good time there for you? Yes. Yep. It is.","start_word":55,"end_word":77,"sentiment":"neutral","sentiment_score":0.1937519758939743},{"text":"Fantastic.","start_word":78,"end_word":78,"sentiment":"positive","sentiment_score":0.5827831029891968},{"text":"Before we jump into the call, I just have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. That's fine.","start_word":79,"end_word":113,"sentiment":"neutral","sentiment_score":0.19774387776851657},{"text":"Fantastic.","start_word":114,"end_word":114,"sentiment":"positive","sentiment_score":0.5489899516105652},{"text":"And just a quick security check there with you as well. I just need to confirm your full name, your date of birth, and address I should have on file. Yeah. Ryan Adams Stewart. 6 Of The 4th 80 Yep. '2. Address Yep. is 9 Kerry Court, Coomera.","start_word":115,"end_word":162,"sentiment":"neutral","sentiment_score":0.09988806396722794},{"text":"Great. Thank you so much for that.","start_word":163,"end_word":169,"sentiment":"positive","sentiment_score":0.45437750220298767},{"text":"Ryan, so we did actually send through your advice document and had tried to present that earlier in the year. Unfortunately, it has now expired. So we just need to do a new a new review with you and kinda go through and update all your circumstances, Okay. and then we can look to provide and update the advice for you. Okay? Mhmm. Yep. Excellent. All good. Before I jump into the call oh, sorry. Before I go through things, I do also normally send through just a copy of your annual review documents there for you to review. Are you able to access your emails at the moment? Actually, so I reviewed it and signed it. The there, I believe Yeah. I'll let me have a quick look for you. see if I can pull it up as well. I'm just That's really okay.","start_word":170,"end_word":314,"sentiment":"neutral","sentiment_score":0.01176590844988823},{"text":"useless. I'm really useless No.","start_word":315,"end_word":319,"sentiment":"negative","sentiment_score":-0.400542676448822},{"text":"with, like, admin, to be honest. Oh, it's okay. Okay. I will be here to assist you. Don't worry. I am sending you the annual review docs. They'll appear in your email there as well shortly. I'll just go in and have a quick look at the recently sent documents for you. Yeah. So all here we go. Yeah. So the last document sent was on the April 21, and that one has expired.","start_word":320,"end_word":393,"sentiment":"neutral","sentiment_score":0.008926546754869254},{"text":"That one wasn't unfortunately signed.","start_word":394,"end_word":398,"sentiment":"negative","sentiment_score":-0.3473557233810425},{"text":"Oh, okay. Alright. I'm Yeah. not sure That's what I okay. was thinking then.","start_word":399,"end_word":412,"sentiment":"neutral","sentiment_score":-0.06259271502494812},{"text":"That's okay. It's all good. Let's go through.","start_word":413,"end_word":420,"sentiment":"positive","sentiment_score":0.4871090054512024},{"text":"We'll do a review of the circumstances, have a look at things now, and I'll go back and I'll update the advice. I can see we've got your third party authority all updated there as well.","start_word":421,"end_word":456,"sentiment":"neutral","sentiment_score":0.27213993668556213},{"text":"So we'll be able to do updated research for you on, I believe, your Cbus account as well.","start_word":457,"end_word":474,"sentiment":"positive","sentiment_score":0.3365096151828766},{"text":"So we'll go back and do some research, and I'll book you back in in a couple of weeks. We'll come back together and go through that advice document at a time that suits you. Okay? Yeah. Okay.","start_word":475,"end_word":512,"sentiment":"neutral","sentiment_score":0.30481696128845215},{"text":"All good. Perfect.","start_word":513,"end_word":515,"sentiment":"positive","sentiment_score":0.6507699489593506},{"text":"The first on that email, can you see the email that I've just recently sent through to you there at all? Yep. I've got one here. So I didn't able Yep. to sign that one. I will in a second. If you can Yeah. just before you press the sign button, if you scroll down slightly, you'll see some attachments on there. Can you see the attachments? One of those will say summary of superannuation and insurances. Yep. Click on that one. Yep.","start_word":516,"end_word":598,"sentiment":"neutral","sentiment_score":0.02055184729397297},{"text":"Beautiful.","start_word":599,"end_word":599,"sentiment":"positive","sentiment_score":0.5812687873840332},{"text":"That one there, when it opens up for you, just gives you an update of your balances between the three different funds that you do hold at the moment. Yep. Okay. Yep. So So hub twenty Cheers. four, you've got a balance there. Sorry. You are can you see that if you can't tell me to stop? Yeah. Yeah. Yep. Yep. I've got it there. So, yeah, the hub You 20 got 4 it there. 187. 186, yeah, 9 Yep. 68, and then bus queue's got about 30,000. Their c bus has twenty seven thousand five ninety two. So what we wanna be able to do and what we have been sort of wanting to try and help you to do is to consolidate as many of these as possible. So at the moment, you do have three super funds. It is more administration fees, but you also only have contributions going into one of those funds currently. So being able to Yeah.","start_word":600,"end_word":762,"sentiment":"neutral","sentiment_score":0.11935542834682698},{"text":"maybe consolidate things back a little bit for you, streamline it, make it a bit easier, save you some fees, and make sure your money is growing as hard and working as hard as possible for you is the preference there.","start_word":763,"end_word":803,"sentiment":"positive","sentiment_score":0.4070853292942047},{"text":"For sure. I mean, the reason Yeah. that c bus one is still open is because they offer extra benefits within the construction industry and and different insurances Mhmm. which BusQ doesn't offer. So that was Yeah. when I first changed over to BusQ, that was sort of, yeah, the the advice was to keep that one open because of those certain insurances. So Yeah. I am covered. Yeah. I've got a little bit of extra cover if I was to get injured at work. Yeah. So I don't know if that's worth still keeping that open or if we, yeah, like you say, can consolidate it for less Yeah. fees. Absolutely. Yeah. So we have been trying to work out what to do. The if you are looking to keep all three of those open, we would need to look at finding a way to be able to contribute into all three of them for you with the I'm just sort of having a look because with the insurances we do have at the moment, the are we? The c bus has the life in TBD giving you life of, at the moment, about 208,000 and a 124 of TBD. Your bus queue gives you, has a level cover of 200,000 of life and about 60,000 of TBD. But when we sort of break down the the rest of it, the bus queue also offers, like, TTD, which is sort of a temporary disablement, whereas C Bus doesn't really have any kind of income protection side of things there. So I think moving forward, just kind of reevaluating what it is that you actually wanna have with insurances, what you wanna have covered, and what your goals are will probably help us to decide which ones we do consolidate or whether we do keep all three open and whether we just look to make additional contributions out of your cash flow into one of those to kind of keep it working. Because the other thing is in order to have those refunds open, we need to make sure as well.","start_word":804,"end_word":1154,"sentiment":"neutral","sentiment_score":0.0811056171854337},{"text":"That way, you can keep them open, keep them working, they can keep paying the insurance premiums.","start_word":1155,"end_word":1171,"sentiment":"positive","sentiment_score":0.4031035900115967},{"text":"Yeah. One That's of the risks right.","start_word":1172,"end_word":1178,"sentiment":"neutral","sentiment_score":-0.2727796137332916},{"text":"you do have is that if you stop paying contributions to one of the funds, most of them will continue to draw the insurance premiums for a period of time. But once the fund ends up with not enough money in there, then the insurances do cancel after a period of time as well.","start_word":1179,"end_word":1232,"sentiment":"negative","sentiment_score":-0.4920996427536011},{"text":"So Yeah. we just wanna I I make sure understand. that if you're wanting to keep all that cover there, that we do make sure that the cover is appropriate to you and that you are able to keep it working harder. Does that make sense? If it doesn't, Yeah. let It me does. know. Yeah. Yeah. So if I look at the the kind of cover you're after with life and TCD, let's look at life first. So life is essentially in the event that you were to pass away. Okay. Your life cover currently with us here is sitting at 200,000. With c buses, 208. That is based on the research from the twenty third of covered limit you have there and also the balance, which could be different to what we have noted here. If you were to say pass away based on this information, you've got the 208,000 of life with Cbus, 200,000 of life with BusQ, and then your super balance is paid out on top of that to your beneficiaries. So we've got a $106.09 $6.08 in hub 24, 30,099 in bus queue, and approximately $27,005.09 2 sitting in c bus based on the research. That essentially pays out a lump sum benefit to your beneficiary of, at the moment, 652,000. I'll go back and reconfirm the c bus side of things. But if Yes. you think about if you were to pass away today and that 652,000 was paid out, where do you want it to be paid to, and what do you want that to cover? Well, it'd be going to to my wife. Yeah. It's Angela? Yep. That's it. It'll all be going to Yep. her, and then, obviously, she will yeah. The kids the kids are too young to to receive any sort of money at the moment, but Yeah. she would also make sure that they were looked after Okay. in in the future if that was to happen. So a 100% of it would would go to to her. Yep.","start_word":1233,"end_word":1574,"sentiment":"neutral","sentiment_score":-0.006028332747519016},{"text":"Excellent. So a 100% to Angela. Excellent.","start_word":1575,"end_word":1581,"sentiment":"positive","sentiment_score":0.5340211391448975},{"text":"Now are you does she work? What if you were to pass away, would she need to would you be comfortable with that amount kinda covering debts and things like that? What kind of bills or debts would she have to cover up front if you were to pass away? Well, yeah, so we don't currently have a mortgage or anything like that. And Yep. we're actually yeah. So we're completely debt free. We don't Yep. have car loans, credit cards, mortgage, anything like that. Yep. And she also does work part time earning she earns maybe about $3.50 a week just working from home at at the moment. Okay. Oh, wait. Lovely. And do you think and this is a pretty tough question. I get that. But do you think if you would have passed away, do you think she would wanna maybe keep working part time earning that same money, or do you think you'd rather have enough that she could take some time off and, you know, just raise the kids and think about, you know, what she wants to do moving I probably wanna wanna give her a couple of years at least just forward. to figure, A couple of years old? yeah, figure Yeah. figure life out again with without me. It's obviously would be a massive Yeah. Yeah. Yeah. A massive Okay. thing if it wants to happen. Absolutely. Absolutely. And when you think about the amount of the 652,000, the income I had for you last year was about a 140,000. Is that still the same income, or have you got a pay increase on that I've lost a thing with I just had my group certificate come through recently, and I think it it had gone up to about a 150. That's obviously before tax, so gross one income at was, all? Yeah. Yep. yeah, That's I think, okay. around a 150.","start_word":1582,"end_word":1901,"sentiment":"neutral","sentiment_score":-0.03436325778020546},{"text":"That's absolutely fine.","start_word":1902,"end_word":1904,"sentiment":"positive","sentiment_score":0.5296506285667419},{"text":"If you think about the life cover and the current benefit amount of $606,152,006 59, and if you divide that by a 150,000, it essentially, with no debts, would cover your gross income for your family for about 4.3. So just over four years. Do you think that is sufficient, or would you like me to go and see if I can do something with the cover and maybe look to consolidate or get you some more life cover? How do you feel about that? What would you like me to be able to do for this for you? I think that's probably pretty good. Yeah? Yeah. I think yeah. They could cover it for for four. Just over four years, I think that would be enough time for her to sort her shit out. Yeah. Yeah. Yeah. That's okay. Is there four years? It's time for her to work it out. Lovely. And how old are your kids? I've got you've got two children. Yeah. So kids are the daughter would be she'll be five in in about six weeks, and then the son's Yep. about just over two and a half. Okay.","start_word":1905,"end_word":2098,"sentiment":"neutral","sentiment_score":0.0421997606754303},{"text":"Beautiful. Lovely.","start_word":2099,"end_word":2100,"sentiment":"positive","sentiment_score":0.45452916622161865},{"text":"Alright. So we're looking to make sure that we're covering about four or just over four years of income as you guys have no debts, and that would feel fairly sufficient for you for a life benefit between your super as well as the the life cover that you're insured for. Does that sound accurate? Am I on the right track with that? Yeah. Yeah. Definitely. For for our current situation, yes. Yep. Obviously, down the track if we because we are looking at buying a property at some stage if of if we were to get a mortgage, you know, I'd have to reassess to make sure that that would be covered. Oh, But as absolutely. the current situation, yeah, comfortable currently.","start_word":2101,"end_word":2223,"sentiment":"neutral","sentiment_score":0.09430570579398938},{"text":"That's absolutely fine.","start_word":2224,"end_word":2226,"sentiment":"positive","sentiment_score":0.6425390243530273},{"text":"And do you plan on buying that property within the next sort of twelve months, or is that more of a medium term goal down the track? Yeah. It's probably more of a medium. We're just sort of trying to get the kids off to well, they'll get one of the kids off to school so Ange can get back to work Yes. in more full full time capacity. So it's at least probably, I'd say, more likely twenty four months away. Yep.","start_word":2227,"end_word":2309,"sentiment":"neutral","sentiment_score":0.01397793274372816},{"text":"Beautiful.","start_word":2310,"end_word":2310,"sentiment":"positive","sentiment_score":0.3709886074066162},{"text":"So that's two years away.","start_word":2311,"end_word":2315,"sentiment":"neutral","sentiment_score":0.03597274050116539},{"text":"And I definitely do agree with you.","start_word":2316,"end_word":2322,"sentiment":"positive","sentiment_score":0.35693201422691345},{"text":"When you do happen to buy that property, let me know. I would absolutely be wanting to reevaluate your goals, your advice, and definitely your insurance aspects and things like that then as well. Okay? Yep. Yeah.","start_word":2323,"end_word":2359,"sentiment":"neutral","sentiment_score":0.18517634272575376},{"text":"Cool. Excellent.","start_word":2360,"end_word":2361,"sentiment":"positive","sentiment_score":0.47725924849510193},{"text":"The other thing you have is TPD. So TPD pays out a lump sum benefit or an income stream in the event that you're unable to go back to work again. So totally permanently capacitated. You can also claim on your super benefit at the same time. So you we can get basically, you're covered for the same amount between. Well, actually, no. Sorry. Your TBD is lower in your industry funds. So you currently have between the two funds, 60,000 and 124,000 of TBD. And then if we were to have your super benefit released, which is possible, 968 plus 399 plus 2700592, it essentially means that under the total permanent incapacity, your the level of cover you have for TBD between the insurances and your super balance is $428,006.59. Now TBD, as I mentioned, is total incapacity. So, essentially, you're claiming that if you can never go back to work again. I know one of the things over the last couple of years, it has been hard to sort of look at TBD or getting new cover for TBD because of your occupation. Unfortunately, being a rigor, very high risk of injury or Yep. claiming your disability. But has there been any changes to your occupation? Are you still in the same occupation? Are you doing more admin work? What does your job look like at the moment? Exactly the same. Exactly the same. Yep. Exactly the same, but probably just just more of it. Because, yeah, we're we're extremely busy at the Okay. moment. Yep. So, yeah, just that same same role, same responsibilities, just, yeah, Yep. a hell of a lot more Beautiful.","start_word":2362,"end_word":2638,"sentiment":"neutral","sentiment_score":-0.05080900091126507},{"text":"of it.","start_word":2639,"end_word":2640,"sentiment":"positive","sentiment_score":0.3568369746208191},{"text":"Yep.","start_word":2641,"end_word":2641,"sentiment":"neutral","sentiment_score":0.2948589324951172},{"text":"Beautiful.","start_word":2642,"end_word":2642,"sentiment":"positive","sentiment_score":0.5300784111022949},{"text":"And can I ask, I'm so sorry? I'm a novice, and I work in finance. So I don't That's fine. exactly understand what it is that you do, but what does a rigger do? What is your day to day role or tasks look like? Okay. Well, so well, you guys are both based in the Gold Coast, aren't you? Yeah. Yeah. So you see all those big tower cranes up in the air Yep. building all these Yep. apartment buildings? Yep. I'm the one putting in the big concrete precast elements on those on those buildings. Right. Right. And you're at the top of the of the crane. Is that right? Or are you at the top of the building? I'm I'm not I'm not yeah. I'm not in the cab of the crane, but I'm telling the guy in the cab of the crane what to do and where to put these concrete elements. And Okay. yeah. So, yeah, we we yeah. We installed concrete precast, which Yep. involves, obviously, the installation side of it, but then there's a lot of physical elements to it with the propping propping systems that we have to use and and structural grouting and and all that. So it's a very physical job as well Absolutely. in that sense. Okay. And are you basically on the ground when you're doing your role? You're not sort of up high at all? Well, as the building progresses up, we're also we're Yep. going up with it because what we are doing You're is on part the of the building? structural Yep. the the structure of the project. So we put the Yep. walls up essentially, and then you have concrete poured over top of that, and we come on to the next level, put put more walls up, pour more concrete, and so on and so forth until we we top out at whatever level the building's going to. Okay. Yep.","start_word":2643,"end_word":2969,"sentiment":"neutral","sentiment_score":-0.0010831451202979146},{"text":"Perfect. Perfect. I have a much better understanding of that. Thank you so much.","start_word":2970,"end_word":2983,"sentiment":"positive","sentiment_score":0.5997443795204163},{"text":"I do apologize. I definitely in this role, you get to learn a lot about what people do. But, I mean, in construction, especially, you have so many different components and parts and people that do all these different roles. Yeah. I just always have to make sure I understand a little bit more about it. Look. What It's I would fine. what Yeah. I would I probably get it I get like it to do all the time. It's like, what do you do? And I tell them, and they're like, what? yeah. You know? No. That's that's absolutely fine. In the event of, say, permanent capacity, so if you were never able to go back to work again because of, you know, something happening in your role, do you think that 420,000, if I sort of the 428,000, if I divide that by your current gross income, it essentially gives you a little over two years. It's under three years, so two years and eight months worth of gross income noting that, obviously, tax is there. So you could probably reduce that back a little bit and get about three years worth of income out of that. But that would use up all of your insurances plus your super. And one of the most important things to consider is that when you claim on TBD, when you're under the age of 60, unfortunately, and I wholeheartedly disagree with this, but the government actually taxes you. The tax can be up to 22%. It depends on your age and stage and a few other factors that the tax can be lessened. And we as advisers, if you claim on TPD, we'll help you with the claim, but then we will also provide advice on how to structure things to help limit that. But do you feel like that level of TBD you have is sufficient, or would you wanna maybe look at trying to get something else?","start_word":2984,"end_word":3311,"sentiment":"neutral","sentiment_score":0.020764026790857315},{"text":"And I'm happy to go back and do all the research I can on what I can get CBD wise to assist you.","start_word":3312,"end_word":3334,"sentiment":"positive","sentiment_score":0.5945598483085632},{"text":"But did you want me to maybe look at some other cover and see what else I can come up with? I think we would need to look at a little something a bit more than yeah. Two years isn't More? really gonna be enough. Yep. How many years of income replacement would you feel comfortable with do you think as a base knowing that Angela could definitely go back to work later down the track? Would you want me to cover, you know, five or ten years worth of net or gross income or a little bit less? What would you be comfortable with having? Probably, let's say, probably, like, five years worth of color. Yep. Did you want me to work on gross income or net? Gross obviously does. Because it's gross, it covers the tax side of things, but it also can just give you a little bit of a buffer in case you have income increases down the track, or I could look to make it a bit cheaper and focus on five years of net income for you. What would you prefer?","start_word":3335,"end_word":3521,"sentiment":"neutral","sentiment_score":0.03680841997265816},{"text":"Bloody, this government and their taxes really screws everyone, doesn't it? It is. It's disgusting, honestly. I do not like I think if if you're injured and you can't get back to work again, the last thing you should be doing is paying I don't don't like it at Yeah.","start_word":3522,"end_word":3571,"sentiment":"negative","sentiment_score":-0.6571193337440491},{"text":"all. Yeah. It's just another money grab. I'll look at let's just It go on is. on the gross. On the gross? Yep. Beautiful. Yeah. And what I'll do is I'll update the advice for you. I'll go back and reflect things. Now because of your occupation, it can be difficult to get TBD. So I can look to keep whatever I can with the funds you have here at the moment. There Mhmm. may be a possibility where we can't get. So to kind of break down TBD, and it gets a little bit confusing, and I do apologize. Let me know if you have more questions. But there are different definitions to claiming on TPD. The most the best definition you can have is an own occupation.","start_word":3572,"end_word":3700,"sentiment":"neutral","sentiment_score":-0.05747529864311218},{"text":"That means that you would have to be unable to ever go back to work in the occupation you were doing prior to your disability. That kind of occupation for TPD has to be paid out of your back pocket. It can't be paid for inside paper. It does make that kind of cover a lot more expensive. It would be very hard to probably get that for your occupation.","start_word":3701,"end_word":3770,"sentiment":"negative","sentiment_score":-0.46476125717163086},{"text":"So the other definition you have with the bus queue and the c bus isn't any occupation, and that means that in order for you to claim on TBD, you just have to have doctors proving that you're never gonna go back to work again for any occupation for which you were educated, trained, or have worked in the past. It does Mhmm. make it a lot harder to claim on those definitions. But if you I mean, with your role, if something Mhmm. people, in super. There are other definitions. So these are the most common ones in super, but they are depending on what your occupation is. A lot of insurers have trouble with the risk level of giving in any occupation definition. So it means that when I look at retail or other providers, aside from what you already have, they may not offer the same type of cover. I may be able to get and I will look at all the options I have available and see what the insurers are gonna offer. But the third definition with the TPD is ADL, and it just basically means that you are never able to go back to work again and that you require assistance with eating. So eating, dressing, bathing, driving, just, you know, normal everyday living. It is Yep. a much harder definition to claim on, but I might be able to get some sort of top up cover for you to build it up to level you need. It may have to be this ADL definition. If I can only go that way, I would try to keep everything you have to give you the best possible claim up front. And then we Mhmm. have this backup cover down here, which might be a different definition. But are you comfortable with me looking at all those options and coming up with whatever I possibly can to give you that extra level of cover even if it's a different definition. Yeah. Yes. I am. Yeah. Yeah.","start_word":3771,"end_word":4110,"sentiment":"neutral","sentiment_score":-0.0751006230711937},{"text":"Beautiful.","start_word":4111,"end_word":4111,"sentiment":"positive","sentiment_score":0.5142512321472168},{"text":"Do you have questions? It is a lot. It can be a bit confusing with the the type of TBD, what it is, what the definitions are, how it can be claimed. Did you want me to break anything of that down more for you? Did you have further questions in relation to any of I that, think Ryan? I've got a pretty yeah. A pretty good understanding of it. Yeah. Yeah. I'll say Beautiful. it's been for, like, the preference would be something that can be paid within my super, and, obviously, Yes. the best best possible cover would Yes.","start_word":4112,"end_word":4212,"sentiment":"neutral","sentiment_score":0.00025885688638923194},{"text":"be my sort Perfect. of my Perfect.","start_word":4213,"end_word":4219,"sentiment":"positive","sentiment_score":0.3949440717697144},{"text":"request down with that one. Yeah.","start_word":4220,"end_word":4225,"sentiment":"neutral","sentiment_score":0.3037799000740051},{"text":"Absolutely. Perfect.","start_word":4226,"end_word":4227,"sentiment":"positive","sentiment_score":0.47274088859558105},{"text":"And the other thing to look at, we also do have other types of personal insurances like income protection. Now I know with your your bus queue policy, you have TTD, which is a total it's sorry. Temporary disablement is part of your TBD, and it means that if you are unable to go to work for a certain period of time, they can pay out, like, a lump sum or a little bit of money as a temporary disablement. I also am aware that with your sea bus, there are often differences. It doesn't look like there's anything attached there at the moment, but BusQ and SeaBus and sometimes unions offer different types of cover. Do you have any kind of income protection cover that you're aware of through your union, your company that you work for, or through BusQ or bus that you're aware of. Yeah. There is so my boss pays into another separate fund. I think it's called CIP, Yep. which is another income protection insurance thing, and that's through the through the union. And then I've also also got another one which he pays into, which is called the Birch Fund, and that's more of like a redundancy type payment. Okay. If I was to Yep. be made We're redundant done. from my job, there'd be a, yeah, a payment made out of out of that. Yep. Yep.","start_word":4228,"end_word":4460,"sentiment":"neutral","sentiment_score":-0.03611783683300018},{"text":"Perfect. Excellent.","start_word":4461,"end_word":4462,"sentiment":"positive","sentiment_score":0.38905394077301025},{"text":"And with the the CIP, are you aware of the level of cover that you have, the waiting periods, and the information around the income protection No. I oh, that's one I haven't looked into. policy? Yep. That's okay. Are you happy with just retaining that for now, or did you want me to look at trying to maybe obtain some sort of income protection or, like, expenditure protection insurances that might pay out if you're unable to go to work in the short term to help cover your regular expenditure of your family. I might just do a bit more research on the CIP side of things Yep.","start_word":4463,"end_word":4571,"sentiment":"neutral","sentiment_score":0.06328371814836603},{"text":"first and just Beautiful.","start_word":4572,"end_word":4575,"sentiment":"positive","sentiment_score":0.3752279877662658},{"text":"sort of see what what level of cover they've got in there. And then if if I find it's it's not enough, I guess I could just touch base with you guys again and look Yep. at something Yeah. someone else, a little bit of better added extra stuff. Yep.","start_word":4576,"end_word":4625,"sentiment":"neutral","sentiment_score":-0.007917312905192375},{"text":"That's absolutely fine. If you're able to contact your payroll and find out a bit more about the policy, even if you can send any information through to me, that would be great.","start_word":4626,"end_word":4658,"sentiment":"positive","sentiment_score":0.37735018134117126},{"text":"I can always break it down and have a look at what the policy is and be able to give you assistance on this general information about what it is, what you're covered for, the waiting periods, the benefit periods. I can pull a PDF apart for you as well and and give you some information around it to help you out. So Yeah. if you're Okay. able It's to all get that information, definitely do. If not, that's okay. I can scope out the income protection side of things for the time being, and then we can just focus on that down the track. Does that sound okay with you? good. Yeah. Yep. That sounds Yep.","start_word":4659,"end_word":4775,"sentiment":"neutral","sentiment_score":0.1472015082836151},{"text":"great. Beautiful. Excellent.","start_word":4776,"end_word":4778,"sentiment":"positive","sentiment_score":0.5415144562721252},{"text":"Now there are, again, other types of insurances. And, look, you can insure everything to the health. It's about what's important to you. When we look at personal insurances, you have life, TPD, income protection, and they also have trauma. Now trauma can pay out a lump sum benefit in the event that you're unable to or that you'd start diagnosed with a major traumatic condition. Often, the major conditions might be heart attack, stroke. Cancer's probably a big one. Parkinson's, MS, other neurological conditions. If you lose a limb or become permanently blind, there are those sorts of things. Trauma is an out of pocket expense, so you can't pay for inside super. It does have to be paid for out of your back pocket. But unlike TBD or income protection, there's no no employment restrictions on this sort of cover. So, basically, with trauma sorry. If you are diagnosed with a major traumatic condition, say you got cancer tomorrow, there's no waiting periods or definitions. You just have to fill out the claims paperwork. The doctor signs off to say, yes. You've been diagnosed with cancer, and then a lump sum payment is made to you. It is tax free. There's no tax consequences for it, No. Wow. and it can it is a lot easier to claim on. It can be really cheap to have maybe one or two years worth of income replacement. It gets more expensive, those level the higher the level of cover you have. Some people do have that as an offshoot to income protection or a bit of a buffer for other insurances. Some people prefer that instead. It just comes down to what you're comfortable with and also can you afford to pay for the insurances out of your back pocket? Did you want me to look at any kind of trauma for you? Or I'm putting not at this stage. I think I'll I'll leave the mhmm. trauma one for now. Yep. That's absolutely fine. Not a problem at all.","start_word":4779,"end_word":5118,"sentiment":"neutral","sentiment_score":0.002847569446791621},{"text":"Lovely.","start_word":5119,"end_word":5119,"sentiment":"positive","sentiment_score":0.4919095039367676},{"text":"So I'll look at life and TBD for you. We will scope out the income protection and not and and scope out any trauma for the moment. That's absolutely fine. The other thing to sort of look at is if you are if we do need to keep the three super funds open, we need to be able to make sure contributions can be going in. Now what does your expenditure look like through your household at the moment? Are you guys finding that you have any savings on a weekly or fortnightly or monthly basis? How's everything looking? Yeah.","start_word":5120,"end_word":5219,"sentiment":"neutral","sentiment_score":0.10773546993732452},{"text":"Pretty pretty good at the moment.","start_word":5220,"end_word":5225,"sentiment":"positive","sentiment_score":0.40451428294181824},{"text":"Yeah? Generally, yeah, can sort of be saving a minimum of 200 a week. 200 per week?","start_word":5226,"end_word":5242,"sentiment":"neutral","sentiment_score":0.13517580926418304},{"text":"Beautiful.","start_word":5243,"end_word":5243,"sentiment":"positive","sentiment_score":0.41870933771133423},{"text":"Yeah. At a minimum. Some some weeks, it's a bit more. Yep.","start_word":5244,"end_word":5255,"sentiment":"neutral","sentiment_score":0.02018092075983683},{"text":"That's okay.","start_word":5256,"end_word":5257,"sentiment":"positive","sentiment_score":0.395699679851532},{"text":"So if we did look to keep the c bus and the bus queue open as well as they have 24 and make contributions in, is your employer open, or do you think they'd be willing to split your contributions out, or would you be needing to make contributions to each fund, maybe some from your bank account, some from your employer? How do you think that might be perceived by your I don't actually boss? know. I'll I'll I'll have to ask a question. Obviously, I need to keep the bus queue because of the Mhmm. because I work for the union in in in Queensland Yes. at Bayard. So that's the central. I have to keep that one open, and that's what they pay into. Yes. With the c bus one, I mean, like yeah. If I mean, I'm happy to probably close that one or Yes. Mhmm. or consolidate it into the hub 24 or something as long as I've got those same sort of benefits. Yep. Keep those insurances Yeah. at the license levels. Yep. Yeah. At that same sort of levels, I'll be happy Yep. to, yeah, consolidate that Yep. that save us That's and just okay. get rid of that one. Yeah. That's okay. If I was to maybe make a recommendation that you kept the three funds open and that we were to maybe put some additional contributions in, would you be comfortable with me maybe telling you that we keep bus queue and hub 24 the way it is and we keep c bus open, but you make an additional contribution to, say, c bus to, a, keep the insurances working in place, but, b, make the cost worthwhile of having free funds? Is Yeah. that something you're open I think to me it doing? yeah. Yeah. It did. Just give us a breakdown of of what that would require, like, payment wise Yep. Yep. and nothing else. So, yeah, make it more of an educated thing from that. Yeah. Yeah.","start_word":5258,"end_word":5596,"sentiment":"neutral","sentiment_score":0.04465585574507713},{"text":"Absolutely. We can do that. Not a problem.","start_word":5597,"end_word":5604,"sentiment":"positive","sentiment_score":0.431069940328598},{"text":"I'll do the research against the funds and what this looks like and what you might have to contribute. If you're able to save about 200 per week, I wouldn't you wanna use up all of your savings, but just making sure that it is worth the cost of having them open. Okay? Mhmm. Yep. Okay.","start_word":5605,"end_word":5660,"sentiment":"neutral","sentiment_score":0.05640803277492523},{"text":"Excellent. Fantastic.","start_word":5661,"end_word":5662,"sentiment":"positive","sentiment_score":0.7039963006973267},{"text":"Now sorry. The only other thing to sort of go through is I've confirmed your income. That's increased. We'll update that for you.","start_word":5663,"end_word":5685,"sentiment":"neutral","sentiment_score":0.17257682979106903},{"text":"Beautiful.","start_word":5686,"end_word":5686,"sentiment":"positive","sentiment_score":0.590387761592865},{"text":"With your super fund at the moment, now one of the other forms you have on that email is your hub twenty four performance report. If you're able to click on that one, it goes to and tells you what your hub twenty four has done for the year performance wise. Yep. I was having a little look at you, the little grass Yep. this morning in regards Oh, to nice. that. Yep. If you scroll if you open that one up and scroll to the second page, it essentially shows that with the internal rate of return net of fees, your super fund has made 8.89% return. So that is quite a good return for where you are, essentially with no contributions going in. It is solely the portfolio working and building. Some people Mhmm. Okay. do prefer a dollar figure as opposed Okay. to a percentage, and it essentially shows as a dollar figure, your super funds within hub twenty four has made $18,680.40 for the year. That's growth and income. So is that and that's with no contributions. That's Okay. with no contributions because they're Yeah. all going into bus queue there. I'm with So regards to yeah. yeah. Okay. Yeah. So the super fund Oh, has been working, doing what it needs to. This year has also been very up and down with what's been happening globally there as well.","start_word":5687,"end_word":5920,"sentiment":"neutral","sentiment_score":0.12143751233816148},{"text":"So it is kind of good to see that, you know, you have come out with a positive return.","start_word":5921,"end_word":5939,"sentiment":"positive","sentiment_score":0.429238498210907},{"text":"You're in kind of a high growth environment. So, essentially, when you think about high growth, you normally see about 90% of your super invested in growth assets. These are things like Australian I got shares, a text. international shares, listed property, and commodities like gold and silver. You are taking a bit more risk to be in that kind of high growth environment. So you are wanting to see those greater returns. Generally speaking, when you think about the risk profile returns where you're sort of wanting to see around about eight to 10% on a yearly basis. So the 8% that you have, 8.89 is within that range. It's about middle Mhmm. range for your portfolio, which is good. But in that high growth environment, you are taking a bit more risk. So you do understand that when there are negatives, when there are down times, the portfolio will show that. It will be magnified. But when Yeah. you see good times, then the returns are much higher because And that's of that. odd. Yeah. And I'm and I'm Yeah. comfortable with it being more high risk because it with Yep. my current position, current age and stuff. And I think last time, we spoke maybe yeah. As we get older and slowing down and stuff, we'll probably reduce the risk. But I think at Oh, the moment, yeah, higher absolutely. higher risk, but a higher reward is is, yeah, the time timing now. Absolutely. Oh, Definitely. wait. Right? And, look, having a look at things. So you're 44 this year. So, you know, you're basically the same age as me. You've got a lot of time ahead of you. You can't really access supers at the age of 60 at the moment. So having a bit more risk now is preferable. If you were about sort of eight years away from accessing those funds, I would be absolutely pulling you back and saying, no. We need to start reducing the risk level now, but you Yeah. can still keep that working and growing a bit longer. And then we just keep reviewing it with you regularly. And then when Mhmm. you are closer to accessing super, generally in that age 50 to 60 age range, we'll start really starting to be a bit more aggressive and pull things back a little bit, reduce the risk level gradually. So by the time you hit retirement, you're not sitting in high risk, and you haven't done a drastic drop. We've moved it down gradually. It stepped you down Yeah. over time. Yeah. Yeah. Yeah. Yeah. No.","start_word":5940,"end_word":6376,"sentiment":"neutral","sentiment_score":0.013012747561614493},{"text":"That sounds good. I'm comfortable with with that game plan. Then fantastic. Excellent.","start_word":6377,"end_word":6389,"sentiment":"positive","sentiment_score":0.5357613563537598},{"text":"So I just wanted to quickly do a risk profile questionnaire as well just to reconfirm that, and that you have sort of said you are comfortable in a high growth environment. But I just had sort of two questions to ask to to sort of gauge how you might react in certain circumstances. If you did see a major market dip in the next sort of one to two years and your portfolio fell by 20%, how do you think you might be feeling? Do you think you'd be comfortable? Maybe an opportunity to invest more money and wanting to put maybe some funds into the investment while it's down. Do you think you'd be maybe calling us and having a chat, feeling a little bit concerned, or are you very anxious and maybe wanting to sell the investments to cash? How do you think you might react? Again, if it was in a couple of years, I know I've got time for it to bounce back. So I'd probably be looking at maybe buying some while they're low Yep. Mhmm. on the hope or provider that it's gonna come back up and then should should actually, in the long term, create more wealth. Yep. Yep.","start_word":6390,"end_word":6596,"sentiment":"neutral","sentiment_score":0.0026865224353969097},{"text":"Beautiful. That's a really good answer. I love that.","start_word":6597,"end_word":6605,"sentiment":"positive","sentiment_score":0.48364490270614624},{"text":"When you I'm just going to so I'd sort of say you're feeling more optimistic about the investment opportunities in that sort of instance. Am I right with that answer? Yes. Yep. Yep.","start_word":6606,"end_word":6638,"sentiment":"neutral","sentiment_score":0.16358375549316406},{"text":"Beautiful.","start_word":6639,"end_word":6639,"sentiment":"positive","sentiment_score":0.3343111276626587},{"text":"Beautiful. Mhmm. Have you ever owned shares or managed funds in your own name before? I've got some shares through Comsec that Yep. I've chucked, like, a $100 and do, like, four years ago, and it's sitting at, like, a 150. I literally do not do anything with it. It's just it's here. No. That's okay. That's absolutely fine. So you do own shares in your own name. Fantastic. And the last question here is, how do you feel about the the idea, sorry, of a of borrowing money from a financial institution in order to invest? Do you feel like it's too risky? You would only do so under advice, you'd be comfortable doing so, or would you only ever wanna borrow from a bank to buy maybe property? Where do you think you might fit in that I don't know. Because, yeah, we've worked really hard to become debt instance? free. Yeah. So I really not don't like the idea of debt, but in saying that if it was under under advised, then I would definitely Mhmm. consider it. Yes. Mhmm. Yep. If everything so the yeah. If it was to, Yep. yeah, line up. Yep. Yep. Absolutely. No.","start_word":6640,"end_word":6840,"sentiment":"neutral","sentiment_score":-0.03922750767255526},{"text":"Beautiful. Well, you have definitely scored during that high growth environment, and due to your age and stage, I'm happy to keep you there.","start_word":6841,"end_word":6864,"sentiment":"positive","sentiment_score":0.6383563280105591},{"text":"I'll Mhmm. update the advice and do some changes. I have sorta had a look at the investment portfolio and can sort of see that I'd like to switch some of the investments out. So whilst you have got a good return, I can see one or two investors that might be underperforming a little bit and would like to maybe change up your portfolio there as well. Okay. There are different ways of investing. So you can have what's called, an actively managed portfolio, which is where you invest in investment managers who are trying to outperform against the market. You can pay a little bit more to have those sorts of investors in your portfolio. But and, look, there's no guarantees that these investment managers can outperform. Some years, they do really well. Others, they don't perform as well. But then there's also passively managed portfolios, which are tracking the market. Having a few of those is diversifying lower cost. They can still perform much greater. And in certain market conditions, this participating in the market actually does better than having investment managers that are trying to outperform against the market. Do you the market. Do you feel like you would like to have a bit more active management in your portfolio with different managers, or would you like to see something a bit more low cost, maybe keep fees lower in your portfolio? What would you like me to sort of see things through? I mean, I'm sort of happy with with how it's performing at the moment. Like, you know, as you said, Yep. it's between that sort of 810% range. Yep. Yeah. I think at the moment, just sort of keep it keep it as it is. Yep. Are you That's happy for me just to go back and review some of the investments and just remove oh, some yes. underperforming Yeah. Yeah. Def ones? Yep. yeah. Yeah. Yeah. Definitely Yep. do that.","start_word":6865,"end_word":7192,"sentiment":"neutral","sentiment_score":0.06416618628654538},{"text":"Beautiful.","start_word":7193,"end_word":7193,"sentiment":"positive","sentiment_score":0.47880417108535767},{"text":"I'll have a look at the portfolios that we have because this is one of the older ones as well. I'll look at what you've got whether just switching some investments works well or whether maybe switching the entire portfolio tracking forward. I can keep it in that high growth sort of range for you, and you still wanna see some active management in your portfolio. Is that right? Yeah. Yeah. Yep.","start_word":7194,"end_word":7265,"sentiment":"neutral","sentiment_score":0.12485591322183608},{"text":"Beautiful. Excellent.","start_word":7266,"end_word":7267,"sentiment":"positive","sentiment_score":0.45777297019958496},{"text":"And just going through and updating all of your assets and liabilities there at the moment. Now last time we called up, you had some cash in the bank of that 75 Do you still have that cash in the bank? We bought a caravan, so it's back down to it's about 55 now. 55?","start_word":7268,"end_word":7322,"sentiment":"neutral","sentiment_score":0.04969516769051552},{"text":"Fantastic.","start_word":7323,"end_word":7323,"sentiment":"positive","sentiment_score":0.405118465423584},{"text":"And I'll just add the caravan on here as well. Yes. Beautiful. What value would you put on the caravan there? I got 20. 20,000? Fantastic. Yep. $20. Lovely. And that's all earned out right since you used the cash to purchase Yep. it? Correct. Yep. Fantastic. Excellent. I've also got your vehicle, which is a Jeep Grand Cherokee. Do you still have the same vehicle? Yeah. So, yeah, still got that. Fantastic. Value on that last year was about 30,000. Would you update or change that value at all? It's probably dropped to be fair. It's probably around about 25 now. Yep. Absolutely fine. Beautiful. And then I've got contents and tools, a combined value of 75,000. Would you keep that about the same or maybe alter that? No. That's that that's still around about the same. The same? Excellent. And then your boat with a value of 15,000, would you update or change that at all? Oh, I actually solved that. Okay. Yep.","start_word":7324,"end_word":7488,"sentiment":"neutral","sentiment_score":0.047188032418489456},{"text":"Perfect. Excellent.","start_word":7489,"end_word":7490,"sentiment":"positive","sentiment_score":0.4342013001441955},{"text":"And then rent, we had you guys paying about 750 per week. Has the rent stayed the same this year? So It's gone up to $8,810 per week now. $8.10 per week?","start_word":7491,"end_word":7522,"sentiment":"neutral","sentiment_score":0.009238425642251968},{"text":"Lovely. Thank you for updating that. Okay. Appreciate it. All good.","start_word":7523,"end_word":7533,"sentiment":"positive","sentiment_score":0.6321325302124023},{"text":"Medium medium term goals I have down here that you're wanting to purchase property generally around the next sort of twenty four months then. Mhmm. I Yeah. also had it down the ridge in that moving forward, you would like to build more of a property portfolio towards your time and as well. Is that still one of your goals, or are you happy with just being able to purchase your main primary residence and move your family in there in the next couple of years? What sort of Probably other property still, goals do you have? yeah, still wanna have those sort of property goals essentially because they only have something for the kids or leave leave the Yep. kids. Yep. So buy investment properties to hold as an estate planning sort of thing for generational wealth. Yeah. Yep. That's well, that For sounds each really of the Twiddox. kids. For each of the kids to build generational wealth.","start_word":7534,"end_word":7693,"sentiment":"neutral","sentiment_score":0.10339333117008208},{"text":"Very good. Excellent. Fantastic.","start_word":7694,"end_word":7697,"sentiment":"positive","sentiment_score":0.5282993316650391},{"text":"I've got down here with regard to your super that you were hoping to be able to access that and hopefully retire around about age 60. Is that still our goal? We wanna retire as soon as we possibly can. I'd love to. Yes. Yep.","start_word":7698,"end_word":7742,"sentiment":"neutral","sentiment_score":0.23645029962062836},{"text":"Beautiful. Excellent.","start_word":7743,"end_word":7744,"sentiment":"positive","sentiment_score":0.42961275577545166},{"text":"Yeah. I've got down here that with your direct your personal shares in Comsector that you were wanting to put additional funds into that down the track. Are you wanting to build that investment portfolio, or you're sort of more open to investing in other areas? I haven't yet. I've seen with the with COM six thing. I just haven't even looked at it, but, yeah, maybe look into in into other areas. Yep.","start_word":7745,"end_word":7818,"sentiment":"neutral","sentiment_score":0.07934581488370895},{"text":"Beautiful. Lovely.","start_word":7819,"end_word":7820,"sentiment":"positive","sentiment_score":0.39006567001342773},{"text":"And then I've got down here that in the event of passing, you want all the super and your life proceeds to be passed to your wife, Angela. That's still appropriate and accurate. Lovely. Mhmm. Yep. Still accurate.","start_word":7821,"end_word":7858,"sentiment":"neutral","sentiment_score":0.2325609177350998},{"text":"I've also just double checked your beneficiary nomination on hub 24 there as well and noted that it is a 100% to Angela. You've got a binding non lapsing nomination, which is good. It means that you've found the trustee to follow your direction, and non lapsing means you don't have to keep filling out that form on a regular basis.","start_word":7859,"end_word":7919,"sentiment":"positive","sentiment_score":0.4228307604789734},{"text":"We will just double check that with you every year to make sure it's still appropriate. If at any point you want that changed, we can have it updated for you. Okay? Oh, yeah. Okay. It's the one.","start_word":7920,"end_word":7957,"sentiment":"neutral","sentiment_score":0.1688310205936432},{"text":"Excellent. All good.","start_word":7958,"end_word":7960,"sentiment":"positive","sentiment_score":0.5440942645072937},{"text":"Also noted here, you don't have a will and power of attorney or haven't in the past. Have you ever drawn up a will, power of attorney, or have you and your wife ever spoken about doing these documents with a a lawyer? We're yeah. We've definitely had the the conversations, but that's as far as it's gone so far. Not done yet. That's okay. I can also Yeah. scope in the estate planning side to your super if you like just to recommend that you do do so. We can refer you to a solicitor and provide some additional information on how how to get those done to help you guys out as well. Okay. Excellent. Cool. Alright.","start_word":7961,"end_word":8079,"sentiment":"neutral","sentiment_score":0.035822682082653046},{"text":"Sounds good. Lovely.","start_word":8080,"end_word":8082,"sentiment":"positive","sentiment_score":0.4475261867046356},{"text":"Now it has been your last pre assessment was actually done up in late twenty twenty four. I like to do a new pre assessment with you if possible just so when I'm doing research with the insurance providers, I can really look at what contracts might be on offer, especially with your Occhiopation just making sure, you know, we can get the best possible outcome for you. Is there a Mhmm. day maybe this week or next week that I could get one of my admin team to give you a call? I know afternoons tend to work better, and just go through a quick five minute pre assessment with you. Yes. Yep. Yeah. That's it. Yeah. It's part of my that's why I'm just here. It's too hard with the Good. job. But No. That's you had okay. no idea what's on what I've got on on a daily basis. Okay. But, yeah, we'll just go for I don't know. Should we go for Monday afternoon? Yeah. Next I can Monday. do that. Not a problem at all. So next Monday, I could do sort of four, 04:30, 5PM. What would be better for you, do you think? We got 04:30, please. 04:30? Yeah. Not a problem. I'll add a little text message reminder on there for you just so it sends you a message to let you Okay. know we'll be calling, and my admin team will run through a quick pre assessment with you, get the information that they need, and then I can complete the research on things. Okay? Yep.","start_word":8083,"end_word":8347,"sentiment":"neutral","sentiment_score":0.0824732761197495},{"text":"Alright. Great. Beautiful.","start_word":8348,"end_word":8350,"sentiment":"positive","sentiment_score":0.6098545789718628},{"text":"Now the only other thing to let you know is the signing section of that document you've received, that is essentially the ongoing service agreement. Now previously, we've had a set fee structure where it was 1.65%. That is the yearly percentage of our service fees, and then the fee is deducted in smaller monthly increments. We have recently had to update and change our ongoing service fee, which is now gonna be a tiered structure, a bit like the tax bracket. So, essentially, with your balance being from 0 to 200,000, our percentage is 1.65%. And then once your balance hits 200,000 to 500,000, for the balance over 200,000, the ongoing service fee percentage drops, to 1.375. Once your super Mhmm. balance hits over that 500,000 mark, then you go into the next tier. It's essentially just making sure that as your super balance grows, that the the percentage of the ongoing service fee decreases a little bit. It does mean that, obviously, you are paying each individual tier. We've had to kind of update things because the cost of advice has updated. Mhmm. There's been a lot of changes in legislation in what we have to do, and there's a lot of work around the advice that we do research. The the team members involved in drawing up the advice documents, the presentation, and then the implementation side of things. And we don't charge any implementation fees for our advice as well. You're an ongoing client, so we just charge the ongoing service fee. If Okay. you are able to click on that sign button for me, I can take you through and show you essentially what the fee is for the year because it works out to be we work it out as a dollar fee based on the tiered structure. So that Yep. document based on your balance will essentially charge the ongoing service fee for the year as a dollar figure of $3,241.01. Gotta Okay? get that one That's sent in there. 1<unk>. Correct. Correct. Gotta Can't get forget that that one for sent. the Make one a big cent. difference. Yeah. Okay. That's That's it. fine. I've I've also attached this financial services guide for you, so you're welcome to run your eyes over that, have a look at how the tiered structure works. Previous, our ongoing service fee was at 1.65%, and it stayed 1.65% essentially no matter what your balance was. It just stated the same. So this with the tiered structure means that as your balance increases, you do move into the next tier and the that tier the percentage of that tier drops a little bit for you. So it does mean that overall, you know, the fees might be slightly higher than where they were initially. We don't no longer cap them at 600,000. We keep them going to 2,000,000, but that making sure things are working harder for you as well. And that's only Yes. charged at the hub twenty four. So we don't charge any set ongoing service fees for holding or looking after c bus or bus queue. That's all done as part of our advice, as part of our services and invest interest to you. It's only on the balance in hub twenty four that is affected by the ongoing service fee. Does that make sense? Do you have any questions? You're welcome to let me know if you do. Yep. No. No. That's it. So all all getting through. Still working. Then, yeah, just Excellent.","start_word":8351,"end_word":8943,"sentiment":"neutral","sentiment_score":0.0365633513483189},{"text":"just sign that form for you You're a legend. as Thank you so much for that. I appreciate it. I appreciate well. All taking good. my call. I will let you go so you can enjoy your day.","start_word":8943,"end_word":8981,"sentiment":"positive","sentiment_score":0.5431423783302307},{"text":"I've booked in your pre assessment for Monday, and I've added a text message reminder there for you as well. So we'll send you a message an hour prior to remind you that we're calling.","start_word":8980,"end_word":9014,"sentiment":"neutral","sentiment_score":0.17310675978660583},{"text":"Perfect. My team member, Samantha, will be the one to give you a call. She's fantastic. These pre assessments will make it nice and easy on you.","start_word":9015,"end_word":9041,"sentiment":"positive","sentiment_score":0.6312171220779419},{"text":"Okay. Mhmm. Alright.","start_word":9042,"end_word":9044,"sentiment":"neutral","sentiment_score":0.21141374111175537},{"text":"It sounds sounds good at all. Thanks very much Fantastic. for the call. Fantastic. My pleasure, Ryan. I'll get stuck into the research, and I'll get once Samantha has done the pre assessment with her I'll with you.","start_word":9045,"end_word":9082,"sentiment":"positive","sentiment_score":0.5127720236778259},{"text":"Sorry. I'll get her to rebook in your advice presentation in a couple of weeks' time. Yep. Alright.","start_word":9083,"end_word":9100,"sentiment":"neutral","sentiment_score":0.06636249274015427},{"text":"Sounds good.","start_word":9101,"end_word":9102,"sentiment":"positive","sentiment_score":0.5080076456069946},{"text":"Okay?","start_word":9103,"end_word":9103,"sentiment":"neutral","sentiment_score":0.3202899098396301},{"text":"Appreciate it. Thank you for your time.","start_word":9104,"end_word":9110,"sentiment":"positive","sentiment_score":0.6459775567054749},{"text":"Okay.","start_word":9111,"end_word":9111,"sentiment":"neutral","sentiment_score":0.275973916053772},{"text":"Have a Thank good day.","start_word":9112,"end_word":9116,"sentiment":"positive","sentiment_score":0.4790748059749603},{"text":"you. Don't work You too too. hard. No worries. Alright. See you later. I'll I'll try not to. Okay. Bye bye. See you later. See you.","start_word":9117,"end_word":9142,"sentiment":"neutral","sentiment_score":-0.04002929851412773}],"average":{"sentiment":"neutral","sentiment_score":0.05254980093026703}}}}