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Is now still a good time there for you? Yeah. Fantastic. Have you finished work for the day or still going? Yep. That's okay. Not an issue. I'll try to keep it short and sweet as I can just to sort of touch on the things I need to touch on for you. Ricky, before we jump into the call, I do need 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 to do security, we are discussing your personal information, so we are very security conscious. I'll just get you to confirm your full name, date of birth, and address I should have on file. Yeah. Yeah. Wonderful. Thank you so much for that. Appreciate it. Ricky, I know you've been really busy the past few months, but how's everything kinda going for you? Yeah. Yeah. Yeah. Fantastic. Are you yeah. Yes. I'm so sorry. No. That's that's absolutely okay. It's not a problem. So sorry about that. What I wanna do today is do a bit of a review and maybe update the advice for you and look at what we're tracking and see if we can, you know, update everything for you and look at your goals further and look at what we're tracking for a time. Because having you look at things, you originally wanted to access super at about age 67. Are you still sort of thinking that's your goal for when you wanna give up work? Yeah. Yeah. Yeah. Yeah. Of course. Definitely. No. Not a problem at all. And what age would you sort of like to have the option to continue working part time casual or give up? Or what age would you sort of like that to be your goal age to start doing that? Yeah. Oh, beautiful. Beautiful. Not a problem at all. No. No. That's okay. Everyone tells me you need to have a bit of a hobby when you get to those retirement years. Do you have anything you wanna do when you start to slow down and have a bit of free time? Fantastic. Yeah. Fantastic. And, Modem, have you taken it out yet, or is that sort of what you wanna do moving forward? Yeah. Fantastic. Yeah. Of course. Yeah. Yeah. That's fantastic. That sounds amazing. Lovely. With the motor home, just having a bit of a look here. The asset value I had on that last time was about $162,000. Is that sort of the same, or would you alter that value in any way, do you think? Yeah. Fantastic. Yeah. No. Fantastic. Excellent. Excellent. And just while I'm looking at your assets here, just the other things I've got noted. Your main primary residence, we had an asset value of about 800,000. What sort of value would you put on the property now do you think? Yeah. Yeah. Yeah. That's okay. Oh, it's hard to tell, isn't it? I'll just have a quick look while I've got you on the phone. If you like, I can have a bit of a look at a couple of the the places that we can sort of see to see what sort of value they might put on there for you. With the mortgage and the property, just while I'm looking that up, I had a mortgage down of about 500,000. Have you been able to reduce that mortgage a little bit since we last caught up? Yep. Yep. No. That's okay. I'm having a look. So the last time we were able to do this fact find was essentially say, this time last year, do you think it might have been just under that $500,000 mark, or did you want me just to note it as the same sort of $500,000 mark for the mortgage? That's okay. You're fine. You alright? Wow. Fantastic. Excellent. And just having a bit of a look at the valuations, it is sort of saying here rough valuations are around that sort of high 780,000 to 800,000 at the moment. So if you like, I can pop it down as about 800,000 valuation currently. Yep. Fantastic. Excellent. I've also got down here your motorcycle. Do you still have that there? Yeah. Fantastic. As a value on that one we had, Ralph, I submitted about 20,000 last year. Do you think you'd still value that to about the same? Yeah. Yeah. That's perfect. Yeah. Yeah. Yeah. That's fine. That's not a problem at all. And I've also got your wife's car down here. I believe it's a RAV four, about 58,000. Would you just drop that down a little bit, do you think, for the moment? Or, I mean, RAVs is still pretty good? Yep. That's okay. If I just drop it down to, say, 56,000, it probably wouldn't have dropped a great deal in value. There's still a a good car and still well wanted out there. That's okay. I've also got a Hilux here noted down for you as well. Do you still have that one? Yeah. Beautiful. Sounds like it's been going for a while. Oh, wow. Wow. I tell you what, if it can take on some kangaroos and still survive, it's a good vehicle. Well, to keep on to. Yeah. Oh, jeez. Wow. I've got a value on that of approximately 5,000. I know it's more just evaluation of what it would be to you, but would you keep it the same? Would you wanna try and get that for it if you had to sell it? Yeah. Yeah. Beautiful. Not a problem at all. And I've also got down here your boat. You had a boat there with a value for about 2,000. Do you still have your boat? Beautiful. And, I mean, your boat and motor, probably evaluation would be about the same, I would say. No. Yeah. Nice. And have you got room on the motor home for the boat so you can take that with you? No? Oh, fantastic. Oh, fantastic. Yeah. Yeah. That's so awesome. That is fantastic. Yeah. Nice. I have it noted here that you did have about 28,000 in the redraw. Do you still have some money sitting in your redraw? That's okay. That's alright. I can always just keep it at the same if you if you need. Yeah. That's okay. We can leave that at no notice note as per last valuation. That's absolutely not a problem at all. She's a good exact missus of yours. Beautiful. And work wise, you may have mentioned that you wanna take some time next year and do a trip around Australia. Are you still in the same role you have been? Are you still working, I believe, farm working as a supervisor? Of a greenhouse? Beautiful. And it was growing tomatoes? Yeah. Fantastic. Income wise, we had you earning about 85,000 on a yearly basis. Has that gone up a little bit since we maybe, last caught up? You got a bit of a pay rise? Yep. Yep. That's okay. Not a problem at all. And I have it here that you were working approximately forty five hours a week. Is that still sort of the same, or have you been taking up more hours and doing more overtime? Or yep. Yep. Yep. Perfect. Excellent. And I've got down here that we were not making any additional contributions to super at the moment, and all of your money was kinda going into the mortgage at the time. Are you still finding that's the same scenario, or are you putting a bit of money away in savings at the moment specifically? Or yeah. That's okay. So the goal is to have the mortgage down by, hopefully, retirement? Or Yep. Oh, I'm so sorry. Wow. Yes. Yes. You've had a lot going on. A lot of emotions this year. Yeah. Yeah. Yeah. Yeah. Oh. Oh, they absolutely do. Look, I'm 41 this year, and, honestly, I'm finding very similar scenario. It's it goes from you go to a wedding or a birth or something great happening, and then the next thing you know, someone's passed away that you've been known for years and years, you're going to a funeral or a wake or something. So it does seem to be happening a lot lately, unfortunately. It's something we get a bit too used to as we get older. Yeah. Yeah. Yeah. Well, thank you very much for letting me know. I've got down here now because you sort of said your main goal is to try and knock the mortgage out as quickly as possible there, Are you wanting to maybe look at making additional contributions to super or you're happy just to have it ticking along with your employer contributions? What's the sort of goal with your super? Yep. Yeah. Okay. Yeah. That's that's absolutely fine. Yeah. Yeah. Yeah. No. That's that's absolutely fine. What we can do is we can put that down as a future alternative or something we can look at down the track if you like. And when and if you decide you're comfortable looking into doing that, let me know at your end reviews and catch ups. We do just recheck-in with you to find out when and if that's something you want to look at. If you don't, that's absolutely fine. As you kinda tick along towards the age of 60 and beyond, there's some other cool strategies we can put in place where you do put more in the super, but we can also replenish your income back. So, you know, there's no obligation to do so at the moment, and there's some cool strategies we can put in place once you kinda hit that 60 years of age mark where, you know, we can boost your super in other ways as well. Okay? Fantastic. All good. Everything else looks like it's pretty well up to date. I just wanted to touch on the estate planning side of things here. So have you guys got a will done up? Have you ever talked about drawing up a will or sorry. That's yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Mhmm. Yeah. Yeah. Yeah. Absolutely. Yeah. Absolutely. Absolutely. And, realistically, having if you were, you know, to pass away and you went you passed away in test day without having a will in place, everything is a lot harder. Not it not things whilst in legislation, technically, she'll go to your wife, not everything goes that way. And if you do pass away your intestate without a will in place, it does mean that other people can come forward and make a claim on your estate like your daughters or other family members that you may never spoken to or people from your past. And a judge does take things into account when they are making decisions, and us as advisers have seen estates go bad where they are intestate and where the wife thinks she's supposed to get everything and plan things that way, but other people take a claim. And if judge decides to pass pass things off to other members of the family, and they may not be in the wishes of the deceased person. So having a will is absolutely really important. It does mean even if a will is contested that a judge takes your circumstances and your wishes into play because you've set those wishes out prior to passing away. So it is definitely something that's really important to do. If you like after the call, I could send you an email with some information on a local solicitor. It's a really good starting point. It has a bit of a cost based on how much they charge to draw up a will, do powers of attorney, and things like that. And just so you guys can look at it. Yeah. Yeah. Yeah. Absolutely. Yeah. Absolutely. No. Not a problem, Adele. That's definitely something I always also suggest is if you do have a solicitor you're comfortable talking to and knows your family in your local area, it is always easier to do Will that way just because they can kind of make sure that they're accounting for people and, you know, that everything is it's always easy to do things in person as well, having everything notarized and put into place. So but I'll happily send the email for you to give you a bit of extra information there. And, yes, speak to your local solicitor and have that drawn up. It is definitely an investment in yourself, which is really important. Yeah. Excellent. And with your super beneficiaries, just checking those as well, I do have Kelly down as your spouse a 100% on your super. Colonial First State, our authority has expired there. So I'm gonna get the team to send you out a new authority if you can sign that and return it back, and we'll double check that the beneficiaries applied there are correct as well. But your beneficiary nomination on your super here is accurate as to your wishes. So in the event of passing, Kelly does receive everything. The good thing with this beneficiary is it's a binding, nonlapsing one as well. So it means you've signed the form. You don't have to revoke or change that nomination unless your wish is changed, which is a positive. Okay. Beautiful. Excellent. Another thing I do like to sort of point out as well is just letting Kelly know that in the event that something was to happen, that we are your financial advisers. So she can call us, and we can help her to go through the claims process and help the FDAs with the insurer to make sure everything is processed nice and easily for her as well. Okay? Yep. Beautiful. Excellent. Well, thank you for updating all of your circumstances there. Now just to give you a bit of an update, you're probably curious about what your super has been doing. How do you log in to hub very often or look at your super? No? That's okay. No. That's absolutely fine, honestly. To have a bit of a look now, I did have a look. Your balance last year in May within Hub 24 was 168,416 and 64¢. Your balance in your super fund as of today's date, sorry, is a 177,930 and 61¢ there. So it has definitely increased in value. That does give you it's what's been happening in the markets within the world generally and the ups and downs we've seen over the last few months there. You have come out with a positive return. It is a 4.19% return net of fees. So it is lower than we'd sort of expect for what you're in at the moment, but it is a positive return, so it is good for the year. I've just sort of had a bit of a look at your portfolio as well, and I can see there are maybe some changes we should make to it to the investments there as well. It looks like one of your underlying investments have been along Australian equities. That one there looks like it has been underperforming a little bit for the last few months there. Normally, we'd sort of not wanna sell off an investment, but with what's happening within the investment as a whole, it is making it not worth keeping. And I would like to sort of see us remove investments that are underperforming for you and reinvest the money and make sure that those investments are working harder. Would you like me to maybe go back and reevaluate the portfolio and maybe make some recommendations and update the advice for you? Yeah. Fantastic. To give you a little bit of an idea, now Bennelong was originally put in there as more of an actively managed investment. An active manager is supposed to try and outperform against the market all the index that they're tracking. Because Bennelong haven't been able to do that, we do wanna look at removing them. But because you are getting closer to the age of 60, you know, you are getting closer to being able to access super in the event that you you you decided to not work or you're unable to work, did you want me to maybe look at something a bit more passively managed a bit cheaper to put in its place, or did you want some more active management in there? In my honest opinion, when we're getting a little bit older, when we are kind of in our late fifties and early sixties, it does become a bit more about risk mitigation. So trying to lower the overall risk of the portfolio, maybe saving a bit on investment fees as well and having more money retained in the portfolio compounding. So I'd be more inclined to go that passive manner, look at something a bit low risk for you, a bit low cost, but it is up to you at the same time, Ricky. Oh, not necessarily. So returns on passively managed funds can actually outperform against the market over the longer term much more than active managers can. The main difference is active managers are buying and selling, trying to pick the tops and the bottoms of the market, trying to find when to get into certain investments, and that's how they're trying to outperform against the market. Whereas actively managed funds like index funds, you're essentially tracking an index and participating in the market and just doing what the market does. And more often than not, you can actually outperform a lot better or get greater returns just by participating in the market than active managers do. Yeah. Yeah. Yeah. Excellent. Yeah. Well, I'll go and have a look at the options. We do have a couple of options that I've been looking at to replace those investments passively for a lot of my older clients. So I can have a look at what's low cost, look at what's been performing better for you, and also sorta keep you on track for your retirement there. Okay. Beautiful. Excellent. Now the other thing to sorta give you an update on is the insurance side of things. So I know we had retained Colonial First State. I do need to update the research with them, but the last sort of information I have here was that the life in TPD, in the event of passing, your life cover was with a sum insured of 568,000, and you have the same level of TPD. What was your goal with your life cover if something was to happen? What was it that you realistically wanted that to cover and pay out for you? Yeah. Yep. Mhmm. Yep. Yep. Yep. Yeah. Yeah. Yeah. Mhmm. Looking after her. Yep. Yeah. Yep. Absolutely. No. Definitely. So with the current value that I can see here, essentially, that would cover the cost of the mortgage. And then with your super balance paid out from Colonial First Day and Hub twenty four, that's another I know I need to update the Colonial First State balance here in front of me, but I had about 21 last year, so it's probably almost double that now. So the $1.77 plus, say, another 20 or 30,000 on top of that would give her an extra buffer an extra buffer to sort of take some time off and and look at what she wants to do moving forward. Do you feel that's fairly comfortable with that level? Yes. Yes. Beautiful. Yeah. Okay. Oh, absolutely. Yeah. Yeah. So the cover you'd have within Colonial First State is definitely more group cover. It's a lot cheaper if you were to try and get more cover now with your current injuries. There would be exclusions, possible loadings, and the cover would be a lot more expensive than what you're paying in Colonial as well. So, yes, absolutely. Yeah. And I would more than happily keep that going the way it is for you. Keeping the cover you have now with no exclusions or loadings is definitely better than having exclusions or loadings down the track, especially with where you are and with what the load the exclusion would be with your back and what you do for like, you're probably more likely to claim for back injuries. So yeah. No. Definitely. With your total permanent disability cover, you do have the same sum insured as your life cover. Are you happy to retain that you're not wanting to look at anything additional down the track or alter that level? No. That's okay. And with your income protection there, it's a essentially, currently, with what I have in front of me here showing a monthly benefit, if in the event you are unable to work, this is pretax of $3,727.74 on a monthly basis. I know getting new income protection in your late fifties is extremely expensive, and because you've had that past injury, there are loadings and impossible exclusions that sort of factor in. But pretax, like, I mean, if you were to say get $3,000 a month, would that sort of cover some of your monthly expenditure? Do you have enough to sort of fall back on in the rate draw to to act as a buffer with the income protection benefit? Yeah. It's small. Yeah. Does does Kelly work as well? She does work? Yeah. So so her income could still be coming in as well. Do you think that $3 plus anything in your age order cover you and maybe her income would be sufficient? Or that would suffice? Yeah. Perfect. Yeah. It is tough. I know looking at new income protection would probably be the better way to go, but it would be expensive and there would be exclusions given your current, you know, your previous injuries there. So it would be very expensive to look into new cover. So if we can find a way to certainly help you, we would. With the the other thing is if once you hit 60, if you're unable to go back to work again because you have an injury or illness, we can actually get you access to your super as well. So there is a kind of a buffer there if anything was to happen after you turn 60. Okay? And having a look at things at the moment, you're 59 this year. Today. Today. Happy birthday. I'm so sorry we're doing it on your birthday on your birthday. Wow. I'm so sorry. I didn't even look at the date properly. I was like, wow. How terrible am I? I'm so oh, happy birthday. 59. So look. If you can get through this year with the insurance cover you have, next year, there could be a point where we're able to consolidate. You may not need to have insurances after that point. It's just about looking at what your debt levels are and what we can do to sort of help you down the track there. Okay? Yep. Perfect. So I'll look to retain the cover you have in Colonial First Day. I'll get my team to send out a new authority to collect. We'll get you to sign and return that back for us so we can seek and make sure we have everything updated there. I will also, after the call, just send out the will information for you just as a talking point. I don't expect in any way that you'll wanna take up the speak to the solicitors, but it gives you a bit of a talking point and a bit of a costing to compare against. And if it's okay, we do also need to get an updated copy of your driver's license. It looks like it has expired on file, and it is really important that us and your super funds do have an updated copy of your driver's license for identification. So I'll just get you to email me back a copy of that if you can. Or is it better if I get someone to text you? What's easier for you? Yep. Beautiful. Beautiful. Now you've had a really good return there. I'm having a bit of look at your portfolio, and we're gonna look at retaining the insurances. I'll also do some research on Colonial First State and see how those investments are working for you over there. Maybe as part of the advice, we'll look to update things that way for you. With your portfolio in Super, you are in a balanced growth environment. So when you sort of consider the risk level out of, say, five, you're in a bit of a three there. So we it's in between sort of a two and a three, realistically. You're kind of middle of the range there, so you generally see 70% of your super invest in growth assets. That's things like Australian shares, international shares, listed property, and commodities, and then the other 30% invested in defensive assets, the cash, bonds, and fixed interest there. With this balance growth sort of area, you realistically can expect a negative return, say, one in every four to five years. And, realistically, we're sort of chasing returns of around about sort of six to 7% on a yearly basis depending on what the market does. And you can be invested in this portfolio when you're sort of about five years away from wanting to access so far. So that's the general time horizon that we're sort of expecting for this investment portfolio here. So, realistically, with your goal of 67, you definitely have that time horizon. Even if you were, say, wanting to try and access some of your super or slow down at 65, you still kinda have that time horizon there ahead of you. Do you feel like that's probably a good goal, tracking forward around '65 to sixty seven to slow down, or would you wanna kinda slow down a little earlier than that? No. That's okay. That's not a problem at all. So we'll say we've got about sort of five to six to seven years ahead of us there. Beautiful. If you with what's happening in the market at the moment, I don't know if you watch the news on a regular basis, but with what has been happening. There's been a lot going on. If you if we sort of did see this will continue for a bit longer, if we did see a lot of, you know, short term volatility moving forward and say your portfolio dropped by, say, 10 or 20% over the course of the next year. Because you're not wanting to access super, you have time on your side to allow it to kinda go through the motions and come back before you actually actually taking your super. But how do you think that kind of a job might make you feel? Do you think you'd be wanting to call and find out what's happening? Are you a bit concerned, or are you just not really worried? You're not taking money out just yet? How do you think you might feel? Yeah. Yep. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Absolutely. Absolutely. When you think about the sort of returns you're chasing on a yearly basis from your super, are you sort of chasing the highest returns you can, or are you fairly comfortable taking a moderate amount of risk and maybe getting returns of, say, six to eight, four to six, or two to 4% on a yearly basis moving forward? The moderate? Yeah. Do you think you'd be comfortable with, say, six to 8% per year, four to 6% per year, two to four percent per year? What's your comfort level? Yep. Yep. Yep. Yeah. Perfect. Perfect. And I've got down here sort of looking at the way things are. You're getting a bit older. I'd sort of say that if markets did take a bit of a dip, whilst you're not accessing to for the moment, you'd feel a bit cautious about that. Am I right in sort of a bit cautious or concerned about what's happening? Yeah. Yeah. Beautiful. Lovely. And the last question here is have you ever thought about taking out a loan in order to invest in shares or manage funds? I'm sort of taking no for that one. Just checking. And you've only ever wanted to borrow. You've got your main primary residence there, not looking to borrow for anything else in the future? Yeah. Yep. Yep. That's okay. Yep. No. Of course. Yeah. All good, Ricky. Well, you have scored there in that risk profile questionnaire as a moderate investor. So that balanced growth portfolio does realistically suit your time horizon with where you're at. Are you fairly comfortable staying with that sort of seventy thirty asset allocation, or did you wanna maybe look at reducing it a bit further and maybe stepping down a risk level? How do you sort of feel? Yep. Yeah. Well, yeah. I mean, the other option is if you like, because I could always drop you down one level, more to the balance sort of area, which is you kinda go from that 70% in growth assets to about 60%. So it is more of just a slight drop down, about a 10% drop in those growth investments. You bring up your defensive by that 10% area. The expected return we're kinda chasing is around about five to 7% with this, so a bit lower than where we would be expecting in the balanced growth portfolio. And this sort of portfolio, the balanced area sort of suits someone who's about three years away from accessing super. And the likelihood of a negative return is more one in seven years. So you are taking a bit less risk in the market, seeing a little bit less volatility. Being really open and honest, you are dropping risk that way, so the returns are expected drop a little bit. However, your 4% for this year is a bit low for all the portfolios. It's just that the volatility that's been going on globally with the war in Iran and The US as well as the high inflation we're seeing here. But it really is up to you as well. If you wanted, you could stay in the balanced growth environment for maybe another sort of six to twelve months. We could catch up in six months and see how you're feeling about things and maybe look at adjusting it then. It's honestly up to you. Yep. Yep. Perfect. The other sort of thing I like to think about is if you're not making additional contributions to super, we wanna make the ones that you are making work a bit harder. So sticking to that for six months, you can always ring me and tell me you're not comfortable, and we can always reevaluate that. Okay? Beautiful. Excellent. So what I'll do, I'll go back and do some research around the balance growth environment. I'll look at what you've got, adjust and update the advice there for you. We'll go through that together, and you can tell me what your thoughts are around the advice I'm providing. Because you are closer to accessing super, I can also factor in to a limited scope sort of the retirement aspect, so you can sort of see where you might be tracking for at the moment just to give you a bit of an idea. Tracking for at the moment just to give you a bit of an idea. We did have originally, you were kind of wanting to access when you access super draw down income about a thousand dollars a week. Is that sort of what you're thinking you'd be tracking for at the moment, or did you wanna alter that goal a little bit? No. That's good. Excellent. And other goals I had down here from the past, you noted that you wanted to finish tackling the renovations. You've made mention you've got some more renovations to do. You still still have those as a a lot medium term goal? Yep. Yep. Yep. Absolutely. Yeah. Nice. Yeah. No. Absolutely. Other than that, I had down here that you're, again, just wanting to pay down the mortgage as much as possible. Essentially, it was over the next five years. That was sort of last year there. So you still from what we've discussed, it was still got that goal to reduce the mortgage as much as possible. Sorry. And then utilizing the motor home was the other thing we had noted down here and taking some travels, and this four days away sounds amazing. Yeah. Yeah. Absolutely. No. Perfect. Fantastic. The only other thing to let you know is we'll send out an annual review pack to you shortly. You do pay for our services and keeping us with your advisers and updating the advice. We do charge an ongoing service fee just to kinda go through and make sure you're fully aware of that. It is 1.65% per annum. That 4% I gave you as a positive return was net of our fee as well. So we always wanna make sure that your super is making the 1.65% for the year and then additional growth on top of that. And with our ongoing service fee, it fluctuates the market. So because it's a percentage based fee, that 1.65% is per annum. So then it's deducted in smaller monthly increments out of your super in smaller amounts, and our fee fluctuates with the market. So when the market's doing really well, our fee is gonna be slightly higher. However, when the market does take a bit of a dip, it means that our fee takes a bit of a dip there with it as well. So just to make sure we're fully across everything for you. We'll also have those reports. I'll have an updated super balance with your Colonial First State and Hub twenty four in there for you, and also the reports I went through with regards to your Hub twenty four super, the returns, and the portfolio, and how that's been tracking. My team also did put our financial services guide in there for you, which outlines everything about who we are, what we do, how we do it. Has a lovely picture of me in there for you if you wanna see what I look like. And as I'm thank you. Thank you. I'll take it. And, honestly, it's also got my registration in there for you as well because I am a full licensed adviser. So I do like to, you know, make sure you're aware I am licensed. My license number is in there. It's 1304394. So if you ever wanted to look me up, you absolutely can. And in the meantime, we'll get that sent out to you. It'll come through via email if you can sign and return it back. I'll send the other email for you as well, and I'll get the team to send you a text just asking for your ID shortly. And then I'll get stuck into some research for you, and I'll find out what's going on and update the advice for you. Okay? Beautiful. Is there anything I haven't touched on that you maybe wanted touch on with regard to your super or anything of our services or your review? Oh, fantastic. Well, thank you so much. Look. I will let you go. Enjoy your birthday. I hope you're going out for dinner or doing something fun. Oh, that's beautiful. Are they all left home? They're all older now? Yep. Wow. Wow. They grow up so fast. All good, Ricky. Look. Thank you so much for taking my call. I really appreciate it. I'll update the advice and make sure we touch base in six months, and I'll do get all those other emails and things together for you. If you have any questions in the meantime or feel there's something we didn't touch on or want me to follow-up on anything, please let me know. I'm always here and happy to help. Okay? Thank you so much for your time. You enjoy your night. Thanks. See you later. 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Ricky. It's Dana from OQ Financial. How are you this afternoon? Oh, that's good. I had you booked in to go through a bit of an annual review today.\n\nIs now still a good time there for you? Yeah. Fantastic. Have you finished work for the day or still going? Yep.\n\nThat's okay. Not an issue. I'll try to keep it short and sweet as I can just to sort of touch on the things I need to touch on for you. Ricky, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nFantastic. And just to do security, we are discussing your personal information, so we are very security conscious. I'll just get you to confirm your full name, date of birth, and address I should have on file. Yeah. Yeah.\n\nWonderful. Thank you so much for that. Appreciate it. Ricky, I know you've been really busy the past few months, but how's everything kinda going for you? Yeah.\n\nYeah. Yeah. Fantastic. Are you yeah. Yes.\n\nI'm so sorry. No. That's that's absolutely okay. It's not a problem. So sorry about that.\n\nWhat I wanna do today is do a bit of a review and maybe update the advice for you and look at what we're tracking and see if we can, you know, update everything for you and look at your goals further and look at what we're tracking for a time. Because having you look at things, you originally wanted to access super at about age 67. Are you still sort of thinking that's your goal for when you wanna give up work? Yeah. Yeah.\n\nYeah. Yeah. Of course. Definitely. No.\n\nNot a problem at all. And what age would you sort of like to have the option to continue working part time casual or give up? Or what age would you sort of like that to be your goal age to start doing that? Yeah. Oh, beautiful.\n\nBeautiful. Not a problem at all. No. No. That's okay.\n\nEveryone tells me you need to have a bit of a hobby when you get to those retirement years. Do you have anything you wanna do when you start to slow down and have a bit of free time? Fantastic. Yeah. Fantastic.\n\nAnd, Modem, have you taken it out yet, or is that sort of what you wanna do moving forward? Yeah. Fantastic. Yeah. Of course.\n\nYeah. Yeah. That's fantastic. That sounds amazing. Lovely.\n\nWith the motor home, just having a bit of a look here. The asset value I had on that last time was about $162,000. Is that sort of the same, or would you alter that value in any way, do you think? Yeah. Fantastic.\n\nYeah. No. Fantastic. Excellent. Excellent.\n\nAnd just while I'm looking at your assets here, just the other things I've got noted. Your main primary residence, we had an asset value of about 800,000. What sort of value would you put on the property now do you think? Yeah. Yeah.\n\nYeah. That's okay. Oh, it's hard to tell, isn't it? I'll just have a quick look while I've got you on the phone. If you like, I can have a bit of a look at a couple of the the places that we can sort of see to see what sort of value they might put on there for you.\n\nWith the mortgage and the property, just while I'm looking that up, I had a mortgage down of about 500,000. Have you been able to reduce that mortgage a little bit since we last caught up? Yep. Yep. No.\n\nThat's okay. I'm having a look. So the last time we were able to do this fact find was essentially say, this time last year, do you think it might have been just under that $500,000 mark, or did you want me just to note it as the same sort of $500,000 mark for the mortgage? That's okay. You're fine.\n\nYou alright? Wow. Fantastic. Excellent. And just having a bit of a look at the valuations, it is sort of saying here rough valuations are around that sort of high 780,000 to 800,000 at the moment.\n\nSo if you like, I can pop it down as about 800,000 valuation currently. Yep. Fantastic. Excellent. I've also got down here your motorcycle.\n\nDo you still have that there? Yeah. Fantastic. As a value on that one we had, Ralph, I submitted about 20,000 last year. Do you think you'd still value that to about the same?\n\nYeah. Yeah. That's perfect. Yeah. Yeah.\n\nYeah. That's fine. That's not a problem at all. And I've also got your wife's car down here. I believe it's a RAV four, about 58,000.\n\nWould you just drop that down a little bit, do you think, for the moment? Or, I mean, RAVs is still pretty good? Yep. That's okay. If I just drop it down to, say, 56,000, it probably wouldn't have dropped a great deal in value.\n\nThere's still a a good car and still well wanted out there. That's okay. I've also got a Hilux here noted down for you as well. Do you still have that one? Yeah.\n\nBeautiful. Sounds like it's been going for a while. Oh, wow. Wow. I tell you what, if it can take on some kangaroos and still survive, it's a good vehicle.\n\nWell, to keep on to. Yeah. Oh, jeez. Wow. I've got a value on that of approximately 5,000.\n\nI know it's more just evaluation of what it would be to you, but would you keep it the same? Would you wanna try and get that for it if you had to sell it? Yeah. Yeah. Beautiful.\n\nNot a problem at all. And I've also got down here your boat. You had a boat there with a value for about 2,000. Do you still have your boat? Beautiful.\n\nAnd, I mean, your boat and motor, probably evaluation would be about the same, I would say. No. Yeah. Nice. And have you got room on the motor home for the boat so you can take that with you?\n\nNo? Oh, fantastic. Oh, fantastic. Yeah. Yeah.\n\nThat's so awesome. That is fantastic. Yeah. Nice. I have it noted here that you did have about 28,000 in the redraw.\n\nDo you still have some money sitting in your redraw? That's okay. That's alright. I can always just keep it at the same if you if you need. Yeah.\n\nThat's okay. We can leave that at no notice note as per last valuation. That's absolutely not a problem at all. She's a good exact missus of yours. Beautiful.\n\nAnd work wise, you may have mentioned that you wanna take some time next year and do a trip around Australia. Are you still in the same role you have been? Are you still working, I believe, farm working as a supervisor? Of a greenhouse? Beautiful.\n\nAnd it was growing tomatoes? Yeah. Fantastic. Income wise, we had you earning about 85,000 on a yearly basis. Has that gone up a little bit since we maybe, last caught up?\n\nYou got a bit of a pay rise? Yep. Yep. That's okay. Not a problem at all.\n\nAnd I have it here that you were working approximately forty five hours a week. Is that still sort of the same, or have you been taking up more hours and doing more overtime? Or yep. Yep. Yep.\n\nPerfect. Excellent. And I've got down here that we were not making any additional contributions to super at the moment, and all of your money was kinda going into the mortgage at the time. Are you still finding that's the same scenario, or are you putting a bit of money away in savings at the moment specifically? Or yeah.\n\nThat's okay. So the goal is to have the mortgage down by, hopefully, retirement? Or Yep. Oh, I'm so sorry. Wow.\n\nYes. Yes. You've had a lot going on. A lot of emotions this year. Yeah.\n\nYeah. Yeah. Yeah. Oh. Oh, they absolutely do.\n\nLook, I'm 41 this year, and, honestly, I'm finding very similar scenario. It's it goes from you go to a wedding or a birth or something great happening, and then the next thing you know, someone's passed away that you've been known for years and years, you're going to a funeral or a wake or something. So it does seem to be happening a lot lately, unfortunately. It's something we get a bit too used to as we get older. Yeah.\n\nYeah. Yeah. Well, thank you very much for letting me know. I've got down here now because you sort of said your main goal is to try and knock the mortgage out as quickly as possible there, Are you wanting to maybe look at making additional contributions to super or you're happy just to have it ticking along with your employer contributions? What's the sort of goal with your super?\n\nYep. Yeah. Okay. Yeah. That's that's absolutely fine.\n\nYeah. Yeah. Yeah. No. That's that's absolutely fine.\n\nWhat we can do is we can put that down as a future alternative or something we can look at down the track if you like. And when and if you decide you're comfortable looking into doing that, let me know at your end reviews and catch ups. We do just recheck-in with you to find out when and if that's something you want to look at. If you don't, that's absolutely fine. As you kinda tick along towards the age of 60 and beyond, there's some other cool strategies we can put in place where you do put more in the super, but we can also replenish your income back.\n\nSo, you know, there's no obligation to do so at the moment, and there's some cool strategies we can put in place once you kinda hit that 60 years of age mark where, you know, we can boost your super in other ways as well. Okay? Fantastic. All good. Everything else looks like it's pretty well up to date.\n\nI just wanted to touch on the estate planning side of things here. So have you guys got a will done up? Have you ever talked about drawing up a will or sorry. That's yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nMhmm. Yeah. Yeah. Yeah. Absolutely.\n\nYeah. Absolutely. Absolutely. And, realistically, having if you were, you know, to pass away and you went you passed away in test day without having a will in place, everything is a lot harder. Not it not things whilst in legislation, technically, she'll go to your wife, not everything goes that way.\n\nAnd if you do pass away your intestate without a will in place, it does mean that other people can come forward and make a claim on your estate like your daughters or other family members that you may never spoken to or people from your past. And a judge does take things into account when they are making decisions, and us as advisers have seen estates go bad where they are intestate and where the wife thinks she's supposed to get everything and plan things that way, but other people take a claim. And if judge decides to pass pass things off to other members of the family, and they may not be in the wishes of the deceased person. So having a will is absolutely really important. It does mean even if a will is contested that a judge takes your circumstances and your wishes into play because you've set those wishes out prior to passing away.\n\nSo it is definitely something that's really important to do. If you like after the call, I could send you an email with some information on a local solicitor. It's a really good starting point. It has a bit of a cost based on how much they charge to draw up a will, do powers of attorney, and things like that. And just so you guys can look at it.\n\nYeah. Yeah. Yeah. Absolutely. Yeah.\n\nAbsolutely. No. Not a problem, Adele. That's definitely something I always also suggest is if you do have a solicitor you're comfortable talking to and knows your family in your local area, it is always easier to do Will that way just because they can kind of make sure that they're accounting for people and, you know, that everything is it's always easy to do things in person as well, having everything notarized and put into place. So but I'll happily send the email for you to give you a bit of extra information there.\n\nAnd, yes, speak to your local solicitor and have that drawn up. It is definitely an investment in yourself, which is really important. Yeah. Excellent. And with your super beneficiaries, just checking those as well, I do have Kelly down as your spouse a 100% on your super.\n\nColonial First State, our authority has expired there. So I'm gonna get the team to send you out a new authority if you can sign that and return it back, and we'll double check that the beneficiaries applied there are correct as well. But your beneficiary nomination on your super here is accurate as to your wishes. So in the event of passing, Kelly does receive everything. The good thing with this beneficiary is it's a binding, nonlapsing one as well.\n\nSo it means you've signed the form. You don't have to revoke or change that nomination unless your wish is changed, which is a positive. Okay. Beautiful. Excellent.\n\nAnother thing I do like to sort of point out as well is just letting Kelly know that in the event that something was to happen, that we are your financial advisers. So she can call us, and we can help her to go through the claims process and help the FDAs with the insurer to make sure everything is processed nice and easily for her as well. Okay? Yep. Beautiful.\n\nExcellent. Well, thank you for updating all of your circumstances there. Now just to give you a bit of an update, you're probably curious about what your super has been doing. How do you log in to hub very often or look at your super? No?\n\nThat's okay. No. That's absolutely fine, honestly. To have a bit of a look now, I did have a look. Your balance last year in May within Hub 24 was 168,416 and 64¢.\n\nYour balance in your super fund as of today's date, sorry, is a 177,930 and 61¢ there. So it has definitely increased in value. That does give you it's what's been happening in the markets within the world generally and the ups and downs we've seen over the last few months there. You have come out with a positive return. It is a 4.19% return net of fees.\n\nSo it is lower than we'd sort of expect for what you're in at the moment, but it is a positive return, so it is good for the year. I've just sort of had a bit of a look at your portfolio as well, and I can see there are maybe some changes we should make to it to the investments there as well. It looks like one of your underlying investments have been along Australian equities. That one there looks like it has been underperforming a little bit for the last few months there. Normally, we'd sort of not wanna sell off an investment, but with what's happening within the investment as a whole, it is making it not worth keeping.\n\nAnd I would like to sort of see us remove investments that are underperforming for you and reinvest the money and make sure that those investments are working harder. Would you like me to maybe go back and reevaluate the portfolio and maybe make some recommendations and update the advice for you? Yeah. Fantastic. To give you a little bit of an idea, now Bennelong was originally put in there as more of an actively managed investment.\n\nAn active manager is supposed to try and outperform against the market all the index that they're tracking. Because Bennelong haven't been able to do that, we do wanna look at removing them. But because you are getting closer to the age of 60, you know, you are getting closer to being able to access super in the event that you you you decided to not work or you're unable to work, did you want me to maybe look at something a bit more passively managed a bit cheaper to put in its place, or did you want some more active management in there? In my honest opinion, when we're getting a little bit older, when we are kind of in our late fifties and early sixties, it does become a bit more about risk mitigation. So trying to lower the overall risk of the portfolio, maybe saving a bit on investment fees as well and having more money retained in the portfolio compounding.\n\nSo I'd be more inclined to go that passive manner, look at something a bit low risk for you, a bit low cost, but it is up to you at the same time, Ricky. Oh, not necessarily. So returns on passively managed funds can actually outperform against the market over the longer term much more than active managers can. The main difference is active managers are buying and selling, trying to pick the tops and the bottoms of the market, trying to find when to get into certain investments, and that's how they're trying to outperform against the market. Whereas actively managed funds like index funds, you're essentially tracking an index and participating in the market and just doing what the market does.\n\nAnd more often than not, you can actually outperform a lot better or get greater returns just by participating in the market than active managers do. Yeah. Yeah. Yeah. Excellent.\n\nYeah. Well, I'll go and have a look at the options. We do have a couple of options that I've been looking at to replace those investments passively for a lot of my older clients. So I can have a look at what's low cost, look at what's been performing better for you, and also sorta keep you on track for your retirement there. Okay.\n\nBeautiful. Excellent. Now the other thing to sorta give you an update on is the insurance side of things. So I know we had retained Colonial First State. I do need to update the research with them, but the last sort of information I have here was that the life in TPD, in the event of passing, your life cover was with a sum insured of 568,000, and you have the same level of TPD.\n\nWhat was your goal with your life cover if something was to happen? What was it that you realistically wanted that to cover and pay out for you? Yeah. Yep. Mhmm.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYeah. Mhmm. Looking after her. Yep. Yeah.\n\nYep. Absolutely. No. Definitely. So with the current value that I can see here, essentially, that would cover the cost of the mortgage.\n\nAnd then with your super balance paid out from Colonial First Day and Hub twenty four, that's another I know I need to update the Colonial First State balance here in front of me, but I had about 21 last year, so it's probably almost double that now. So the $1.77 plus, say, another 20 or 30,000 on top of that would give her an extra buffer an extra buffer to sort of take some time off and and look at what she wants to do moving forward. Do you feel that's fairly comfortable with that level? Yes. Yes.\n\nBeautiful. Yeah. Okay. Oh, absolutely. Yeah.\n\nYeah. So the cover you'd have within Colonial First State is definitely more group cover. It's a lot cheaper if you were to try and get more cover now with your current injuries. There would be exclusions, possible loadings, and the cover would be a lot more expensive than what you're paying in Colonial as well. So, yes, absolutely.\n\nYeah. And I would more than happily keep that going the way it is for you. Keeping the cover you have now with no exclusions or loadings is definitely better than having exclusions or loadings down the track, especially with where you are and with what the load the exclusion would be with your back and what you do for like, you're probably more likely to claim for back injuries. So yeah. No.\n\nDefinitely. With your total permanent disability cover, you do have the same sum insured as your life cover. Are you happy to retain that you're not wanting to look at anything additional down the track or alter that level? No. That's okay.\n\nAnd with your income protection there, it's a essentially, currently, with what I have in front of me here showing a monthly benefit, if in the event you are unable to work, this is pretax of $3,727.74 on a monthly basis. I know getting new income protection in your late fifties is extremely expensive, and because you've had that past injury, there are loadings and impossible exclusions that sort of factor in. But pretax, like, I mean, if you were to say get $3,000 a month, would that sort of cover some of your monthly expenditure? Do you have enough to sort of fall back on in the rate draw to to act as a buffer with the income protection benefit? Yeah.\n\nIt's small. Yeah. Does does Kelly work as well? She does work? Yeah.\n\nSo so her income could still be coming in as well. Do you think that $3 plus anything in your age order cover you and maybe her income would be sufficient? Or that would suffice? Yeah. Perfect.\n\nYeah. It is tough. I know looking at new income protection would probably be the better way to go, but it would be expensive and there would be exclusions given your current, you know, your previous injuries there. So it would be very expensive to look into new cover. So if we can find a way to certainly help you, we would.\n\nWith the the other thing is if once you hit 60, if you're unable to go back to work again because you have an injury or illness, we can actually get you access to your super as well. So there is a kind of a buffer there if anything was to happen after you turn 60. Okay? And having a look at things at the moment, you're 59 this year. Today.\n\nToday. Happy birthday. I'm so sorry we're doing it on your birthday on your birthday. Wow. I'm so sorry.\n\nI didn't even look at the date properly. I was like, wow. How terrible am I? I'm so oh, happy birthday. 59.\n\nSo look. If you can get through this year with the insurance cover you have, next year, there could be a point where we're able to consolidate. You may not need to have insurances after that point. It's just about looking at what your debt levels are and what we can do to sort of help you down the track there. Okay?\n\nYep. Perfect. So I'll look to retain the cover you have in Colonial First Day. I'll get my team to send out a new authority to collect. We'll get you to sign and return that back for us so we can seek and make sure we have everything updated there.\n\nI will also, after the call, just send out the will information for you just as a talking point. I don't expect in any way that you'll wanna take up the speak to the solicitors, but it gives you a bit of a talking point and a bit of a costing to compare against. And if it's okay, we do also need to get an updated copy of your driver's license. It looks like it has expired on file, and it is really important that us and your super funds do have an updated copy of your driver's license for identification. So I'll just get you to email me back a copy of that if you can.\n\nOr is it better if I get someone to text you? What's easier for you? Yep. Beautiful. Beautiful.\n\nNow you've had a really good return there. I'm having a bit of look at your portfolio, and we're gonna look at retaining the insurances. I'll also do some research on Colonial First State and see how those investments are working for you over there. Maybe as part of the advice, we'll look to update things that way for you. With your portfolio in Super, you are in a balanced growth environment.\n\nSo when you sort of consider the risk level out of, say, five, you're in a bit of a three there. So we it's in between sort of a two and a three, realistically. You're kind of middle of the range there, so you generally see 70% of your super invest in growth assets. That's things like Australian shares, international shares, listed property, and commodities, and then the other 30% invested in defensive assets, the cash, bonds, and fixed interest there. With this balance growth sort of area, you realistically can expect a negative return, say, one in every four to five years.\n\nAnd, realistically, we're sort of chasing returns of around about sort of six to 7% on a yearly basis depending on what the market does. And you can be invested in this portfolio when you're sort of about five years away from wanting to access so far. So that's the general time horizon that we're sort of expecting for this investment portfolio here. So, realistically, with your goal of 67, you definitely have that time horizon. Even if you were, say, wanting to try and access some of your super or slow down at 65, you still kinda have that time horizon there ahead of you.\n\nDo you feel like that's probably a good goal, tracking forward around '65 to sixty seven to slow down, or would you wanna kinda slow down a little earlier than that? No. That's okay. That's not a problem at all. So we'll say we've got about sort of five to six to seven years ahead of us there.\n\nBeautiful. If you with what's happening in the market at the moment, I don't know if you watch the news on a regular basis, but with what has been happening. There's been a lot going on. If you if we sort of did see this will continue for a bit longer, if we did see a lot of, you know, short term volatility moving forward and say your portfolio dropped by, say, 10 or 20% over the course of the next year. Because you're not wanting to access super, you have time on your side to allow it to kinda go through the motions and come back before you actually actually taking your super.\n\nBut how do you think that kind of a job might make you feel? Do you think you'd be wanting to call and find out what's happening? Are you a bit concerned, or are you just not really worried? You're not taking money out just yet? How do you think you might feel?\n\nYeah. Yep. Yeah. Yep. Yep.\n\nYeah. Yeah. Yeah. Absolutely. Absolutely.\n\nWhen you think about the sort of returns you're chasing on a yearly basis from your super, are you sort of chasing the highest returns you can, or are you fairly comfortable taking a moderate amount of risk and maybe getting returns of, say, six to eight, four to six, or two to 4% on a yearly basis moving forward? The moderate? Yeah. Do you think you'd be comfortable with, say, six to 8% per year, four to 6% per year, two to four percent per year? What's your comfort level?\n\nYep. Yep. Yep. Yeah. Perfect.\n\nPerfect. And I've got down here sort of looking at the way things are. You're getting a bit older. I'd sort of say that if markets did take a bit of a dip, whilst you're not accessing to for the moment, you'd feel a bit cautious about that. Am I right in sort of a bit cautious or concerned about what's happening?\n\nYeah. Yeah. Beautiful. Lovely. And the last question here is have you ever thought about taking out a loan in order to invest in shares or manage funds?\n\nI'm sort of taking no for that one. Just checking. And you've only ever wanted to borrow. You've got your main primary residence there, not looking to borrow for anything else in the future? Yeah.\n\nYep. Yep. That's okay. Yep. No.\n\nOf course. Yeah. All good, Ricky. Well, you have scored there in that risk profile questionnaire as a moderate investor. So that balanced growth portfolio does realistically suit your time horizon with where you're at.\n\nAre you fairly comfortable staying with that sort of seventy thirty asset allocation, or did you wanna maybe look at reducing it a bit further and maybe stepping down a risk level? How do you sort of feel? Yep. Yeah. Well, yeah.\n\nI mean, the other option is if you like, because I could always drop you down one level, more to the balance sort of area, which is you kinda go from that 70% in growth assets to about 60%. So it is more of just a slight drop down, about a 10% drop in those growth investments. You bring up your defensive by that 10% area. The expected return we're kinda chasing is around about five to 7% with this, so a bit lower than where we would be expecting in the balanced growth portfolio. And this sort of portfolio, the balanced area sort of suits someone who's about three years away from accessing super.\n\nAnd the likelihood of a negative return is more one in seven years. So you are taking a bit less risk in the market, seeing a little bit less volatility. Being really open and honest, you are dropping risk that way, so the returns are expected drop a little bit. However, your 4% for this year is a bit low for all the portfolios. It's just that the volatility that's been going on globally with the war in Iran and The US as well as the high inflation we're seeing here.\n\nBut it really is up to you as well. If you wanted, you could stay in the balanced growth environment for maybe another sort of six to twelve months. We could catch up in six months and see how you're feeling about things and maybe look at adjusting it then. It's honestly up to you. Yep.\n\nYep. Perfect. The other sort of thing I like to think about is if you're not making additional contributions to super, we wanna make the ones that you are making work a bit harder. So sticking to that for six months, you can always ring me and tell me you're not comfortable, and we can always reevaluate that. Okay?\n\nBeautiful. Excellent. So what I'll do, I'll go back and do some research around the balance growth environment. I'll look at what you've got, adjust and update the advice there for you. We'll go through that together, and you can tell me what your thoughts are around the advice I'm providing.\n\nBecause you are closer to accessing super, I can also factor in to a limited scope sort of the retirement aspect, so you can sort of see where you might be tracking for at the moment just to give you a bit of an idea. Tracking for at the moment just to give you a bit of an idea. We did have originally, you were kind of wanting to access when you access super draw down income about a thousand dollars a week. Is that sort of what you're thinking you'd be tracking for at the moment, or did you wanna alter that goal a little bit? No.\n\nThat's good. Excellent. And other goals I had down here from the past, you noted that you wanted to finish tackling the renovations. You've made mention you've got some more renovations to do. You still still have those as a a lot medium term goal?\n\nYep. Yep. Yep. Absolutely. Yeah.\n\nNice. Yeah. No. Absolutely. Other than that, I had down here that you're, again, just wanting to pay down the mortgage as much as possible.\n\nEssentially, it was over the next five years. That was sort of last year there. So you still from what we've discussed, it was still got that goal to reduce the mortgage as much as possible. Sorry. And then utilizing the motor home was the other thing we had noted down here and taking some travels, and this four days away sounds amazing.\n\nYeah. Yeah. Absolutely. No. Perfect.\n\nFantastic. The only other thing to let you know is we'll send out an annual review pack to you shortly. You do pay for our services and keeping us with your advisers and updating the advice. We do charge an ongoing service fee just to kinda go through and make sure you're fully aware of that. It is 1.65% per annum.\n\nThat 4% I gave you as a positive return was net of our fee as well. So we always wanna make sure that your super is making the 1.65% for the year and then additional growth on top of that. And with our ongoing service fee, it fluctuates the market. So because it's a percentage based fee, that 1.65% is per annum. So then it's deducted in smaller monthly increments out of your super in smaller amounts, and our fee fluctuates with the market.\n\nSo when the market's doing really well, our fee is gonna be slightly higher. However, when the market does take a bit of a dip, it means that our fee takes a bit of a dip there with it as well. So just to make sure we're fully across everything for you. We'll also have those reports. I'll have an updated super balance with your Colonial First State and Hub twenty four in there for you, and also the reports I went through with regards to your Hub twenty four super, the returns, and the portfolio, and how that's been tracking.\n\nMy team also did put our financial services guide in there for you, which outlines everything about who we are, what we do, how we do it. Has a lovely picture of me in there for you if you wanna see what I look like. And as I'm thank you. Thank you. I'll take it.\n\nAnd, honestly, it's also got my registration in there for you as well because I am a full licensed adviser. So I do like to, you know, make sure you're aware I am licensed. My license number is in there. It's 1304394. So if you ever wanted to look me up, you absolutely can.\n\nAnd in the meantime, we'll get that sent out to you. It'll come through via email if you can sign and return it back. I'll send the other email for you as well, and I'll get the team to send you a text just asking for your ID shortly. And then I'll get stuck into some research for you, and I'll find out what's going on and update the advice for you. Okay?\n\nBeautiful. Is there anything I haven't touched on that you maybe wanted touch on with regard to your super or anything of our services or your review? Oh, fantastic. Well, thank you so much. Look.\n\nI will let you go. Enjoy your birthday. I hope you're going out for dinner or doing something fun. Oh, that's beautiful. Are they all left home?\n\nThey're all older now? Yep. Wow. Wow. They grow up so fast.\n\nAll good, Ricky. Look. Thank you so much for taking my call. I really appreciate it. I'll update the advice and make sure we touch base in six months, and I'll do get all those other emails and things together for you.\n\nIf you have any questions in the meantime or feel there's something we didn't touch on or want me to follow-up on anything, please let me know. I'm always here and happy to help. Okay? Thank you so much for your time. You enjoy your night.\n\nThanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Ricky.","start":2.24,"end":2.8,"sentiment":"neutral","sentiment_score":0.2241208404302597},{"text":"It's Dana from OQ Financial.","start":2.8,"end":4.42,"sentiment":"neutral","sentiment_score":0.23298478722572327},{"text":"How are you this afternoon?","start":4.48,"end":5.7,"sentiment":"neutral","sentiment_score":0.32055323719978335},{"text":"Oh, that's good.","start":7.44,"end":8.74,"sentiment":"positive","sentiment_score":0.6339980761210123},{"text":"I had you booked in to go through a bit of an annual review today.","start":9.12,"end":11.92,"sentiment":"positive","sentiment_score":0.40444926619529725}],"sentiment":"positive","sentiment_score":0.37282216747601826,"num_words":30,"start":2.24,"end":11.92},{"sentences":[{"text":"Is now still a good time there for you?","start":11.92,"end":13.94,"sentiment":"positive","sentiment_score":0.36482376522488064},{"text":"Yeah.","start":15.285,"end":15.785,"sentiment":"neutral","sentiment_score":0.23538556694984436},{"text":"Fantastic.","start":15.925,"end":16.425,"sentiment":"positive","sentiment_score":0.5045473575592041},{"text":"Have you finished work for the day or still going?","start":16.805,"end":19.065,"sentiment":"neutral","sentiment_score":0.22037555575370787},{"text":"Yep.","start":21.765,"end":22.265,"sentiment":"neutral","sentiment_score":0.06864481419324875}],"sentiment":"neutral","sentiment_score":0.2861703265119683,"num_words":22,"start":11.92,"end":22.265},{"sentences":[{"text":"That's okay.","start":22.885,"end":23.705,"sentiment":"neutral","sentiment_score":0.0649565247585997},{"text":"Not an issue.","start":24.005001,"end":24.724998,"sentiment":"neutral","sentiment_score":0.12443371613820393},{"text":"I'll try to keep it short and sweet as I can just to sort of touch on the things I need to touch on for you.","start":24.724998,"end":29.52,"sentiment":"neutral","sentiment_score":0.15796349656123382},{"text":"Ricky, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":29.92,"end":34.98,"sentiment":"neutral","sentiment_score":0.016551741864532232},{"text":"Are you happy for me to proceed with that?","start":35.04,"end":37.3,"sentiment":"neutral","sentiment_score":0.08687714735666911}],"sentiment":"neutral","sentiment_score":0.09045939436691697,"num_words":64,"start":22.885,"end":37.3},{"sentences":[{"text":"Fantastic.","start":38.88,"end":39.38,"sentiment":"positive","sentiment_score":0.5391010642051697},{"text":"And just to do security, we are discussing your personal information, so we are very security conscious.","start":39.52,"end":44.115,"sentiment":"neutral","sentiment_score":0.16618437144686193},{"text":"I'll just get you to confirm your full name, date of birth, and address I should have 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you?","start":59.649998,"end":64.31,"sentiment":"neutral","sentiment_score":0.03150225416498466},{"text":"Yeah.","start":66.21,"end":66.71,"sentiment":"neutral","sentiment_score":0.07600434124469757}],"sentiment":"neutral","sentiment_score":0.24835408895575842,"num_words":28,"start":56.29,"end":66.71},{"sentences":[{"text":"Yeah.","start":69.185,"end":69.685,"sentiment":"neutral","sentiment_score":0.12200602889060974},{"text":"Yeah.","start":69.985,"end":70.145,"sentiment":"neutral","sentiment_score":0.1794072389602661},{"text":"Fantastic.","start":70.145,"end":70.645,"sentiment":"neutral","sentiment_score":0.3262498080730438},{"text":"Are you yeah.","start":74.225,"end":76.405,"sentiment":"neutral","sentiment_score":-0.05924739440282186},{"text":"Yes.","start":80.88,"end":80.96,"sentiment":"neutral","sentiment_score":-0.03465746343135834}],"sentiment":"neutral","sentiment_score":0.05932334704058511,"num_words":7,"start":69.185,"end":80.96},{"sentences":[{"text":"I'm so sorry.","start":80.96,"end":82.02,"sentiment":"neutral","sentiment_score":-0.08770743260780971},{"text":"No.","start":84.72,"end":84.96,"sentiment":"neutral","sentiment_score":-0.0779600739479065},{"text":"That's that's absolutely okay.","start":84.96,"end":86.64,"sentiment":"neutral","sentiment_score":0.10338992765173316},{"text":"It's not a problem.","start":86.64,"end":87.439995,"sentiment":"neutral","sentiment_score":0.10088128037750721},{"text":"So sorry about that.","start":87.439995,"end":88.74,"sentiment":"neutral","sentiment_score":-0.1637482400983572}],"sentiment":"neutral","sentiment_score":-0.011186906252987683,"num_words":16,"start":80.96,"end":88.74},{"sentences":[{"text":"What I wanna do today is do a bit of a review and maybe update the advice for you and look at what we're tracking and see if we can, you know, update everything for you and look at your goals further and look at what we're tracking for a 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just while I'm looking at your assets here, just the other things I've got noted.","start":209.08499,"end":213.245,"sentiment":"neutral","sentiment_score":0.13286542566493154},{"text":"Your main primary residence, we had an asset value of about 800,000.","start":213.245,"end":217.325,"sentiment":"neutral","sentiment_score":0.05285657445589701},{"text":"What sort of value would you put on the property now do you think?","start":217.325,"end":220.225,"sentiment":"neutral","sentiment_score":0.043159621102469306},{"text":"Yeah.","start":227.83,"end":228.33,"sentiment":"neutral","sentiment_score":-0.0325118824839592},{"text":"Yeah.","start":230.39,"end":230.89,"sentiment":"neutral","sentiment_score":-0.02398066595196724}],"sentiment":"neutral","sentiment_score":0.0751788147979162,"num_words":44,"start":209.08499,"end":230.89},{"sentences":[{"text":"Yeah.","start":236.405,"end":236.905,"sentiment":"neutral","sentiment_score":-0.001218976452946663},{"text":"That's 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would be to you, but would you keep it the same?","start":433.255,"end":437.37,"sentiment":"neutral","sentiment_score":0.032755660451948644},{"text":"Would you wanna try and get that for it if you had to sell it?","start":437.37,"end":440.19,"sentiment":"neutral","sentiment_score":-0.014332924286524456},{"text":"Yeah.","start":444.33002,"end":444.83002,"sentiment":"neutral","sentiment_score":0.022177040576934814},{"text":"Yeah.","start":447.13,"end":447.53,"sentiment":"neutral","sentiment_score":0.11770856380462646},{"text":"Beautiful.","start":447.53,"end":448.03,"sentiment":"positive","sentiment_score":0.36778759956359863}],"sentiment":"neutral","sentiment_score":0.024941909175954367,"num_words":38,"start":433.255,"end":448.03},{"sentences":[{"text":"Not a problem at all.","start":448.33002,"end":449.625,"sentiment":"neutral","sentiment_score":0.25289789736270907},{"text":"And I've also got down here your boat.","start":449.865,"end":452.125,"sentiment":"neutral","sentiment_score":0.10217450372874737},{"text":"You had a boat there with a value for about 2,000.","start":452.425,"end":454.985,"sentiment":"neutral","sentiment_score":0.05506020682779225},{"text":"Do you still have your boat?","start":454.985,"end":456.365,"sentiment":"neutral","sentiment_score":0.03509325378884872},{"text":"Beautiful.","start":458.345,"end":458.845,"sentiment":"neutral","sentiment_score":0.3089258670806885}],"sentiment":"neutral","sentiment_score":0.10345268327622645,"num_words":31,"start":448.33002,"end":458.845},{"sentences":[{"text":"And, I mean, your boat and motor, probably evaluation would be about the same, I would say.","start":459.465,"end":464.765,"sentiment":"neutral","sentiment_score":0.1150592153563219},{"text":"No.","start":467.69,"end":468.19,"sentiment":"neutral","sentiment_score":-0.047036848962306976},{"text":"Yeah.","start":468.97,"end":469.47,"sentiment":"neutral","sentiment_score":0.02760407887399197},{"text":"Nice.","start":469.85,"end":470.25,"sentiment":"neutral","sentiment_score":0.21547025442123413},{"text":"And have you got room on the motor home for the boat so you can take that with you?","start":470.25,"end":474.11,"sentiment":"neutral","sentiment_score":0.08205753015844446}],"sentiment":"neutral","sentiment_score":0.09515736457438041,"num_words":39,"start":459.465,"end":474.11},{"sentences":[{"text":"No?","start":476.56998,"end":477.06998,"sentiment":"neutral","sentiment_score":-0.025378288701176643},{"text":"Oh, fantastic.","start":479.965,"end":481.105,"sentiment":"neutral","sentiment_score":0.20736708864569664},{"text":"Oh, fantastic.","start":481.245,"end":482.145,"sentiment":"neutral","sentiment_score":0.24331142008304596},{"text":"Yeah.","start":486.365,"end":486.865,"sentiment":"neutral","sentiment_score":0.06683878600597382},{"text":"Yeah.","start":488.605,"end":489.105,"sentiment":"neutral","sentiment_score":0.0730828046798706}],"sentiment":"neutral","sentiment_score":0.1451286170631647,"num_words":7,"start":476.56998,"end":489.105},{"sentences":[{"text":"That's so awesome.","start":490.30002,"end":491.28,"sentiment":"positive","sentiment_score":0.4708959261576335},{"text":"That is fantastic.","start":492.06003,"end":493.04,"sentiment":"neutral","sentiment_score":0.2702728609244029},{"text":"Yeah.","start":494.54,"end":494.78,"sentiment":"neutral","sentiment_score":0.17462661862373352},{"text":"Nice.","start":494.78,"end":495.28,"sentiment":"neutral","sentiment_score":0.10909803956747056},{"text":"I have it noted here that you did have about 28,000 in the redraw.","start":495.90002,"end":499.26,"sentiment":"neutral","sentiment_score":0.003215152055158147}],"sentiment":"neutral","sentiment_score":0.11601105219134214,"num_words":22,"start":490.30002,"end":499.26},{"sentences":[{"text":"Do you still have some money sitting in your redraw?","start":499.26,"end":501.6,"sentiment":"neutral","sentiment_score":-0.016255718003958464},{"text":"That's okay.","start":505.95502,"end":506.775,"sentiment":"neutral","sentiment_score":-0.050428468734025955},{"text":"That's alright.","start":521.17,"end":522.07,"sentiment":"neutral","sentiment_score":0.056694697588682175},{"text":"I can always just keep it at the same if you if you need.","start":522.45,"end":525.26996,"sentiment":"neutral","sentiment_score":0.1237519420683384},{"text":"Yeah.","start":528.625,"end":529.125,"sentiment":"neutral","sentiment_score":-0.024956392124295235}],"sentiment":"neutral","sentiment_score":0.05370848532766104,"num_words":29,"start":499.26,"end":529.125},{"sentences":[{"text":"That's okay.","start":531.105,"end":531.905,"sentiment":"neutral","sentiment_score":0.16897252947092056},{"text":"We can leave that at no notice note as per last valuation.","start":531.905,"end":534.805,"sentiment":"neutral","sentiment_score":0.14225149216751257},{"text":"That's absolutely not a problem at all.","start":534.945,"end":536.545,"sentiment":"positive","sentiment_score":0.586174087865012},{"text":"She's a good exact missus of yours.","start":536.545,"end":538.405,"sentiment":"positive","sentiment_score":0.6548806428909302},{"text":"Beautiful.","start":541.55005,"end":542.05005,"sentiment":"positive","sentiment_score":0.6758033037185669}],"sentiment":"positive","sentiment_score":0.39338446151593637,"num_words":29,"start":531.105,"end":542.05005},{"sentences":[{"text":"And work wise, you may have mentioned that you wanna take some time next year and do a trip around Australia.","start":542.83,"end":547.31,"sentiment":"neutral","sentiment_score":0.138445492656458},{"text":"Are you still in the same role you have been?","start":547.31,"end":549.31,"sentiment":"neutral","sentiment_score":0.027665800787508486},{"text":"Are you still working, I believe, farm working as a supervisor?","start":549.31,"end":552.45,"sentiment":"neutral","sentiment_score":0.01561069285327738},{"text":"Of a greenhouse?","start":555.765,"end":556.485,"sentiment":"neutral","sentiment_score":0.05238040784994761},{"text":"Beautiful.","start":556.485,"end":556.965,"sentiment":"neutral","sentiment_score":0.3157917857170105}],"sentiment":"neutral","sentiment_score":0.08323182574594798,"num_words":46,"start":542.83,"end":556.965},{"sentences":[{"text":"And it was growing tomatoes?","start":556.965,"end":558.185,"sentiment":"neutral","sentiment_score":0.1138890653848648},{"text":"Yeah.","start":559.685,"end":560.005,"sentiment":"neutral","sentiment_score":0.1796264946460724},{"text":"Fantastic.","start":560.005,"end":560.505,"sentiment":"positive","sentiment_score":0.4100139141082764},{"text":"Income wise, we had you earning about 85,000 on a yearly basis.","start":561.365,"end":566.085,"sentiment":"neutral","sentiment_score":0.0937025851259629},{"text":"Has that gone up a little bit since we maybe, last caught up?","start":566.085,"end":569.41,"sentiment":"neutral","sentiment_score":0.04260598008449261}],"sentiment":"neutral","sentiment_score":0.08866857807151973,"num_words":32,"start":556.965,"end":569.41},{"sentences":[{"text":"You got a bit of a pay rise?","start":569.41,"end":570.94995,"sentiment":"neutral","sentiment_score":-0.004577666288241744},{"text":"Yep.","start":585.02496,"end":585.52496,"sentiment":"neutral","sentiment_score":0.017955314368009567},{"text":"Yep.","start":585.825,"end":586.145,"sentiment":"neutral","sentiment_score":0.019757559522986412},{"text":"That's okay.","start":586.145,"end":586.785,"sentiment":"neutral","sentiment_score":0.07962014153599739},{"text":"Not a problem at all.","start":586.785,"end":588.165,"sentiment":"neutral","sentiment_score":0.07576764822006225}],"sentiment":"neutral","sentiment_score":0.03171588633866871,"num_words":17,"start":569.41,"end":588.165},{"sentences":[{"text":"And I have it here that you were working approximately forty five hours a week.","start":588.305,"end":592.145,"sentiment":"neutral","sentiment_score":-0.013333537926276525},{"text":"Is that still sort of the same, or have you been taking up more hours and doing more overtime?","start":592.145,"end":596.69,"sentiment":"neutral","sentiment_score":-0.03375093619290151},{"text":"Or yep.","start":596.83,"end":602.69,"sentiment":"neutral","sentiment_score":-0.02134278230369091},{"text":"Yep.","start":604.91003,"end":605.23004,"sentiment":"neutral","sentiment_score":0.016299545764923096},{"text":"Yep.","start":605.23004,"end":605.63,"sentiment":"neutral","sentiment_score":0.06566759943962097}],"sentiment":"neutral","sentiment_score":-0.02110498094637143,"num_words":38,"start":588.305,"end":605.63},{"sentences":[{"text":"Perfect.","start":605.63,"end":606.13,"sentiment":"positive","sentiment_score":0.3638609051704407},{"text":"Excellent.","start":606.35004,"end":606.85004,"sentiment":"positive","sentiment_score":0.3712071776390076},{"text":"And I've got down here that we were not making any additional contributions to super at the moment, and all of your money was kinda going into the mortgage at the time.","start":607.755,"end":617.455,"sentiment":"neutral","sentiment_score":-0.23438319587148726},{"text":"Are you still finding that's the same scenario, or are you putting a bit of money away in savings at the moment specifically?","start":617.755,"end":623.54004,"sentiment":"neutral","sentiment_score":-0.03630388568600883},{"text":"Or yeah.","start":623.76,"end":629.36005,"sentiment":"neutral","sentiment_score":0.03653246909379959}],"sentiment":"neutral","sentiment_score":-0.1275782816554025,"num_words":59,"start":605.63,"end":629.36005},{"sentences":[{"text":"That's okay.","start":629.36005,"end":630.0,"sentiment":"neutral","sentiment_score":0.2432684749364853},{"text":"So the goal is to have the mortgage down by, hopefully, 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contributions?","start":695.15497,"end":708.38,"sentiment":"neutral","sentiment_score":0.24492454704116373},{"text":"What's the sort of goal with your super?","start":708.60004,"end":710.46,"sentiment":"neutral","sentiment_score":0.08456080360338092}],"sentiment":"neutral","sentiment_score":0.2569117730749505,"num_words":70,"start":690.915,"end":710.46},{"sentences":[{"text":"Yep.","start":710.92004,"end":711.42004,"sentiment":"neutral","sentiment_score":0.07267788052558899},{"text":"Yeah.","start":716.45496,"end":716.95496,"sentiment":"neutral","sentiment_score":-0.05369429290294647},{"text":"Okay.","start":722.77496,"end":723.175,"sentiment":"neutral","sentiment_score":0.07654771208763123},{"text":"Yeah.","start":723.175,"end":723.415,"sentiment":"neutral","sentiment_score":0.10684604197740556},{"text":"That's that's absolutely fine.","start":723.415,"end":725.115,"sentiment":"positive","sentiment_score":0.39338988810777664}],"sentiment":"neutral","sentiment_score":0.22199211176484823,"num_words":8,"start":710.92004,"end":725.115},{"sentences":[{"text":"Yeah.","start":728.16,"end":728.66,"sentiment":"neutral","sentiment_score":-0.04375844448804855},{"text":"Yeah.","start":734.8,"end":735.04,"sentiment":"neutral","sentiment_score":-0.030473802238702778},{"text":"Yeah.","start":735.04,"end":735.54,"sentiment":"neutral","sentiment_score":-0.02934015542268753},{"text":"No.","start":736.8,"end":737.04,"sentiment":"neutral","sentiment_score":-0.11342905461788176},{"text":"That's that's absolutely fine.","start":737.04,"end":738.64,"sentiment":"neutral","sentiment_score":-0.11630304995924234}],"sentiment":"neutral","sentiment_score":-0.08527670707553625,"num_words":8,"start":728.16,"end":738.64},{"sentences":[{"text":"What we can do is we can put that down as a future alternative or something we can look at down the track if you like.","start":738.64,"end":744.58496,"sentiment":"neutral","sentiment_score":0.12841172000536552},{"text":"And when and if you decide you're comfortable looking into doing that, let me know at your end reviews and catch ups.","start":744.58496,"end":750.185,"sentiment":"neutral","sentiment_score":0.10961190983653069},{"text":"We do just recheck-in with you to find out when and if that's something you want to look at.","start":750.185,"end":754.76,"sentiment":"neutral","sentiment_score":0.0933995227280416},{"text":"If you don't, that's absolutely fine.","start":754.76,"end":756.86,"sentiment":"neutral","sentiment_score":0.09578071596721809},{"text":"As you kinda tick along towards the age of 60 and beyond, there's some other cool strategies we can put in place where you do put more in the super, but we can also replenish your income back.","start":757.0,"end":767.08,"sentiment":"neutral","sentiment_score":0.2557492036568491}],"sentiment":"neutral","sentiment_score":0.1605217270553112,"num_words":111,"start":738.64,"end":767.08},{"sentences":[{"text":"So, you know, there's no obligation to do so at the moment, and there's some cool strategies we can put in place once you kinda hit that 60 years of age mark where, you know, we can boost your super in other ways as well.","start":767.08,"end":779.13495,"sentiment":"neutral","sentiment_score":0.25358616179890103},{"text":"Okay?","start":779.19495,"end":779.69495,"sentiment":"neutral","sentiment_score":0.1112642139196396},{"text":"Fantastic.","start":781.41003,"end":781.91003,"sentiment":"positive","sentiment_score":0.623450756072998},{"text":"All good.","start":782.53,"end":783.35004,"sentiment":"positive","sentiment_score":0.6294131278991699},{"text":"Everything else looks like it's pretty well up to date.","start":784.13,"end":787.11005,"sentiment":"positive","sentiment_score":0.6053605496883392}],"sentiment":"neutral","sentiment_score":0.329805491586863,"num_words":59,"start":767.08,"end":787.11005},{"sentences":[{"text":"I just wanted to touch on the estate planning side of things here.","start":787.33,"end":790.37,"sentiment":"neutral","sentiment_score":0.1970634563611104},{"text":"So have you guys got a will done up?","start":790.37,"end":792.585,"sentiment":"neutral","sentiment_score":0.046372190531757146},{"text":"Have you ever talked about drawing up a will or sorry.","start":792.585,"end":796.04504,"sentiment":"neutral","sentiment_score":-0.0012304373085498812},{"text":"That's yeah.","start":796.505,"end":799.16504,"sentiment":"neutral","sentiment_score":-0.028431241400539875},{"text":"Yeah.","start":800.265,"end":800.765,"sentiment":"neutral","sentiment_score":-0.044824980199337006}],"sentiment":"neutral","sentiment_score":0.079554232613494,"num_words":36,"start":787.33,"end":800.765},{"sentences":[{"text":"Yeah.","start":808.44,"end":808.83997,"sentiment":"neutral","sentiment_score":-0.0631345883011818},{"text":"Yeah.","start":808.83997,"end":809.33997,"sentiment":"neutral","sentiment_score":-0.08901152014732361},{"text":"Yeah.","start":820.985,"end":821.485,"sentiment":"neutral","sentiment_score":-0.12274189293384552},{"text":"Yeah.","start":826.745,"end":827.245,"sentiment":"neutral","sentiment_score":-0.066502146422863},{"text":"Yep.","start":831.96,"end":832.46,"sentiment":"neutral","sentiment_score":0.05177388712763786}],"sentiment":"neutral","sentiment_score":-0.05792325213551521,"num_words":5,"start":808.44,"end":832.46},{"sentences":[{"text":"Mhmm.","start":835.32,"end":835.82,"sentiment":"neutral","sentiment_score":-0.0899696946144104},{"text":"Yeah.","start":839.56,"end":840.06,"sentiment":"neutral","sentiment_score":0.12556038796901703},{"text":"Yeah.","start":840.44,"end":840.94,"sentiment":"neutral","sentiment_score":0.087412029504776},{"text":"Yeah.","start":845.08496,"end":845.40497,"sentiment":"neutral","sentiment_score":-0.09934667497873306},{"text":"Absolutely.","start":845.40497,"end":845.90497,"sentiment":"neutral","sentiment_score":-0.23262456059455872}],"sentiment":"neutral","sentiment_score":-0.04179370254278183,"num_words":5,"start":835.32,"end":845.90497},{"sentences":[{"text":"Yeah.","start":852.20496,"end":852.52496,"sentiment":"neutral","sentiment_score":-0.01977889984846115},{"text":"Absolutely.","start":852.52496,"end":853.02496,"sentiment":"neutral","sentiment_score":0.0747760683298111},{"text":"Absolutely.","start":853.64496,"end":854.14496,"sentiment":"neutral","sentiment_score":0.11200080811977386},{"text":"And, realistically, having if you were, you know, to pass away and you went you passed away in test day without having a will in place, everything is a lot harder.","start":854.445,"end":863.9,"sentiment":"neutral","sentiment_score":-0.33104971051216125},{"text":"Not it not things whilst in legislation, technically, she'll go to your wife, not everything goes that way.","start":863.9,"end":870.41504,"sentiment":"neutral","sentiment_score":-0.305056169629097}],"sentiment":"neutral","sentiment_score":-0.2997414250499927,"num_words":52,"start":852.20496,"end":870.41504},{"sentences":[{"text":"And if you do pass away your intestate without a will in place, it does mean that other people can come forward and make a claim on your estate like your daughters or other family members that you may never spoken to or people from your past.","start":870.41504,"end":883.08,"sentiment":"neutral","sentiment_score":-0.17510265555787594},{"text":"And a judge does take things into account when they are making 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it.","start":935.015,"end":937.195,"sentiment":"neutral","sentiment_score":0.12852214897672334}],"sentiment":"neutral","sentiment_score":0.19855101417217935,"num_words":70,"start":918.53,"end":937.195},{"sentences":[{"text":"Yeah.","start":944.87006,"end":945.37006,"sentiment":"neutral","sentiment_score":0.1688612997531891},{"text":"Yeah.","start":956.06494,"end":956.56494,"sentiment":"neutral","sentiment_score":0.19667160511016848},{"text":"Yeah.","start":958.06494,"end":958.56494,"sentiment":"neutral","sentiment_score":0.2187306731939316},{"text":"Absolutely.","start":958.785,"end":959.285,"sentiment":"positive","sentiment_score":0.3724161088466644},{"text":"Yeah.","start":961.82495,"end":962.32495,"sentiment":"neutral","sentiment_score":0.22387757897377017}],"sentiment":"neutral","sentiment_score":0.23611145317554474,"num_words":5,"start":944.87006,"end":962.32495},{"sentences":[{"text":"Absolutely.","start":962.625,"end":963.125,"sentiment":"neutral","sentiment_score":0.31009817123413086},{"text":"No.","start":963.50494,"end":963.745,"sentiment":"neutral","sentiment_score":0.2760698199272156},{"text":"Not a problem, Adele.","start":963.745,"end":964.70496,"sentiment":"neutral","sentiment_score":0.3271809294819832},{"text":"That's definitely something I always also suggest is if you do have a solicitor you're comfortable talking to and knows your family in your local area, it is always easier to do Will that way just because they can kind of make sure that they're accounting for people and, you know, that everything is it's always easy to do things in person as well, having everything notarized and put into place.","start":964.70496,"end":984.075,"sentiment":"neutral","sentiment_score":0.32556497358100517},{"text":"So but I'll happily send the email for you to give you a bit of extra information there.","start":984.075,"end":989.055,"sentiment":"positive","sentiment_score":0.44715894261995953}],"sentiment":"positive","sentiment_score":0.34798806105789387,"num_words":95,"start":962.625,"end":989.055},{"sentences":[{"text":"And, yes, speak to your local solicitor and have that drawn up.","start":989.195,"end":992.37,"sentiment":"neutral","sentiment_score":0.30697434147198993},{"text":"It is definitely an investment in yourself, which is really important.","start":992.37,"end":995.99005,"sentiment":"positive","sentiment_score":0.3632881749760021},{"text":"Yeah.","start":996.37,"end":996.87,"sentiment":"neutral","sentiment_score":0.28039565682411194},{"text":"Excellent.","start":998.77,"end":999.27,"sentiment":"positive","sentiment_score":0.6023337244987488},{"text":"And with your super beneficiaries, just checking those as well, I do have Kelly down as your spouse a 100% on your super.","start":999.33,"end":1006.63,"sentiment":"neutral","sentiment_score":0.3011337311371513}],"sentiment":"neutral","sentiment_score":0.3226805670807759,"num_words":48,"start":989.195,"end":1006.63},{"sentences":[{"text":"Colonial First State, our authority has expired there.","start":1007.26495,"end":1010.785,"sentiment":"neutral","sentiment_score":0.09871930675581098},{"text":"So I'm gonna get the team to send you out a new authority if you can sign that and return it back, and we'll double check that the beneficiaries applied there are correct as well.","start":1010.785,"end":1018.88495,"sentiment":"neutral","sentiment_score":0.2372143783739635},{"text":"But your beneficiary nomination on your super here is accurate as to your wishes.","start":1019.25,"end":1023.57,"sentiment":"neutral","sentiment_score":0.30057767991508755},{"text":"So in the event of passing, Kelly does receive everything.","start":1023.57,"end":1027.03,"sentiment":"neutral","sentiment_score":0.2720433622598648},{"text":"The good thing with this beneficiary is it's a binding, nonlapsing one as well.","start":1027.5701,"end":1031.25,"sentiment":"positive","sentiment_score":0.6350173226424626}],"sentiment":"neutral","sentiment_score":0.30754347352517974,"num_words":81,"start":1007.26495,"end":1031.25},{"sentences":[{"text":"So it means you've signed the form.","start":1031.25,"end":1032.6901,"sentiment":"positive","sentiment_score":0.5354553716523307},{"text":"You don't have to revoke or change that nomination unless your wish is changed, which is a positive.","start":1032.6901,"end":1038.0851,"sentiment":"positive","sentiment_score":0.45273009853230584},{"text":"Okay.","start":1038.385,"end":1038.885,"sentiment":"positive","sentiment_score":0.5596728324890137},{"text":"Beautiful.","start":1039.185,"end":1039.685,"sentiment":"positive","sentiment_score":0.728679895401001},{"text":"Excellent.","start":1040.305,"end":1040.805,"sentiment":"positive","sentiment_score":0.6758328080177307}],"sentiment":"positive","sentiment_score":0.4950541039662702,"num_words":28,"start":1031.25,"end":1040.805},{"sentences":[{"text":"Another thing I do like to sort of point out as well is just letting Kelly know that in the event that something was to happen, that we are your financial advisers.","start":1041.105,"end":1048.4299,"sentiment":"positive","sentiment_score":0.34556160075590014},{"text":"So she can call us, and we can help her to go through the claims process and help the FDAs with the insurer to make sure everything is processed nice and easily for her as well.","start":1048.49,"end":1058.83,"sentiment":"neutral","sentiment_score":0.15612188830143875},{"text":"Okay?","start":1058.89,"end":1059.39,"sentiment":"neutral","sentiment_score":0.0408557653427124},{"text":"Yep.","start":1060.1151,"end":1060.5951,"sentiment":"neutral","sentiment_score":0.151163712143898},{"text":"Beautiful.","start":1060.5951,"end":1061.0951,"sentiment":"positive","sentiment_score":0.6678444743156433}],"sentiment":"neutral","sentiment_score":0.24701722753299793,"num_words":71,"start":1041.105,"end":1061.0951},{"sentences":[{"text":"Excellent.","start":1061.3151,"end":1061.8151,"sentiment":"positive","sentiment_score":0.7074809074401855},{"text":"Well, thank you for updating all of your circumstances there.","start":1062.275,"end":1064.995,"sentiment":"positive","sentiment_score":0.5510326385498047},{"text":"Now just to give you a bit of an update, you're probably curious about what your super has been doing.","start":1064.995,"end":1068.915,"sentiment":"neutral","sentiment_score":0.07520031090825796},{"text":"How do you log in to hub very often or look at your super?","start":1068.915,"end":1071.9751,"sentiment":"neutral","sentiment_score":0.0229461447867964},{"text":"No?","start":1073.78,"end":1074.28,"sentiment":"neutral","sentiment_score":-0.06321720778942108}],"sentiment":"neutral","sentiment_score":0.17347483326802435,"num_words":46,"start":1061.3151,"end":1074.28},{"sentences":[{"text":"That's okay.","start":1075.0599,"end":1075.96,"sentiment":"neutral","sentiment_score":-0.049524104222655296},{"text":"No.","start":1078.82,"end":1079.0599,"sentiment":"neutral","sentiment_score":-0.1255027949810028},{"text":"That's absolutely fine, honestly.","start":1079.0599,"end":1081.4,"sentiment":"neutral","sentiment_score":0.025840605900157243},{"text":"To have a bit of a look now, I did have a look.","start":1082.1,"end":1084.66,"sentiment":"neutral","sentiment_score":0.015894360625399992},{"text":"Your balance last year in May within Hub 24 was 168,416 and 64¢.","start":1084.66,"end":1091.825,"sentiment":"neutral","sentiment_score":0.013250446567932764}],"sentiment":"neutral","sentiment_score":0.0076388583474908955,"num_words":33,"start":1075.0599,"end":1091.825},{"sentences":[{"text":"Your balance in your super fund as of today's date, sorry, is a 177,930 and 61¢ there.","start":1092.285,"end":1103.2001,"sentiment":"neutral","sentiment_score":0.07468668697401881},{"text":"So it has definitely increased in value.","start":1103.2001,"end":1105.62,"sentiment":"positive","sentiment_score":0.35840020860944477},{"text":"That does give you it's what's been happening in the markets within the world generally and the ups and downs we've seen over the last few months there.","start":1106.7201,"end":1113.68,"sentiment":"neutral","sentiment_score":0.10815638290452105},{"text":"You have come out with a positive return.","start":1113.68,"end":1115.52,"sentiment":"positive","sentiment_score":0.46087978407740593},{"text":"It is a 4.19% return net of fees.","start":1115.52,"end":1118.715,"sentiment":"neutral","sentiment_score":0.281782828271389}],"sentiment":"neutral","sentiment_score":0.1891562398801099,"num_words":68,"start":1092.285,"end":1118.715},{"sentences":[{"text":"So it is lower than we'd sort of expect for what you're in at the moment, but it is a positive return, so it is good for the year.","start":1119.0349,"end":1126.095,"sentiment":"positive","sentiment_score":0.3619911090053361},{"text":"I've just sort of had a bit of a look at your portfolio as well, and I can see there are maybe some changes we should make to it to the investments there as well.","start":1127.0349,"end":1136.0399,"sentiment":"neutral","sentiment_score":0.03584285750985146},{"text":"It looks like one of your underlying investments have been along Australian equities.","start":1137.5399,"end":1141.48,"sentiment":"neutral","sentiment_score":-0.11498358215277012},{"text":"That one there looks like it has been underperforming a little bit for the last few months there.","start":1141.86,"end":1146.5199,"sentiment":"neutral","sentiment_score":-0.2677489353550805},{"text":"Normally, we'd sort of not wanna sell off an investment, but with what's happening within the investment as a whole, it is making it not worth keeping.","start":1147.1151,"end":1155.6951,"sentiment":"negative","sentiment_score":-0.3994000681020595}],"sentiment":"neutral","sentiment_score":-0.04381825466502885,"num_words":122,"start":1119.0349,"end":1155.6951},{"sentences":[{"text":"And I would like to sort of see us remove investments that are underperforming for you and reinvest the money and make sure that those investments are working harder.","start":1155.995,"end":1163.9501,"sentiment":"neutral","sentiment_score":-0.30350824496869383},{"text":"Would you like me to maybe go back and reevaluate the portfolio and maybe make some recommendations and update the advice for you?","start":1163.9501,"end":1171.01,"sentiment":"neutral","sentiment_score":0.07058891856476017},{"text":"Yeah.","start":1172.51,"end":1172.8301,"sentiment":"neutral","sentiment_score":0.1659860610961914},{"text":"Fantastic.","start":1172.8301,"end":1173.3301,"sentiment":"positive","sentiment_score":0.7423616051673889},{"text":"To give you a little bit of an idea, now Bennelong was originally put in there as more of an actively managed investment.","start":1174.335,"end":1179.5549,"sentiment":"neutral","sentiment_score":0.28680072919182154}],"sentiment":"neutral","sentiment_score":0.00424117481263427,"num_words":77,"start":1155.995,"end":1179.5549},{"sentences":[{"text":"An active manager is supposed to try and outperform against the market all the index that they're tracking.","start":1180.015,"end":1185.315,"sentiment":"positive","sentiment_score":0.3594433334138658},{"text":"Because Bennelong haven't been able to do that, we do wanna look at removing them.","start":1185.9349,"end":1189.615,"sentiment":"neutral","sentiment_score":-0.043975120534499486},{"text":"But because you are getting closer to the age of 60, you know, you are getting closer to being able to access super in the event that you you you decided to not work or you're unable to work, did you want me to maybe look at something a bit more passively managed a bit cheaper to put in its place, or did you want some more active management in there?","start":1189.615,"end":1210.875,"sentiment":"neutral","sentiment_score":-0.003951810956211157},{"text":"In my honest opinion, when we're getting a little bit older, when we are kind of in our late fifties and early sixties, it does become a bit more about risk mitigation.","start":1215.75,"end":1224.65,"sentiment":"neutral","sentiment_score":0.003791868180996971},{"text":"So trying to lower the overall risk of the portfolio, maybe saving a bit on investment fees as well and having more money retained in the portfolio compounding.","start":1224.79,"end":1234.615,"sentiment":"neutral","sentiment_score":0.2455683515540191}],"sentiment":"neutral","sentiment_score":0.07638431854174109,"num_words":164,"start":1180.015,"end":1234.615},{"sentences":[{"text":"So I'd be more inclined to go that passive manner, look at something a bit low risk for you, a bit low cost, but it is up to you at the same time, Ricky.","start":1235.475,"end":1243.735,"sentiment":"neutral","sentiment_score":0.16358254937564626},{"text":"Oh, not necessarily.","start":1249.53,"end":1250.59,"sentiment":"neutral","sentiment_score":-0.006509906301895778},{"text":"So returns on passively managed funds can actually outperform against the market over the longer term much more than active managers can.","start":1251.05,"end":1260.545,"sentiment":"neutral","sentiment_score":0.1701196154410189},{"text":"The main difference is active managers are buying and selling, trying to pick the tops and the bottoms of the market, trying to find when to get into certain investments, and that's how they're trying to outperform against the market.","start":1260.945,"end":1272.325,"sentiment":"neutral","sentiment_score":0.04226598897948861},{"text":"Whereas actively managed funds like index funds, you're essentially tracking an index and participating in the market and just doing what the market does.","start":1273.03,"end":1281.85,"sentiment":"neutral","sentiment_score":0.03531974724804362}],"sentiment":"neutral","sentiment_score":0.09612375603822189,"num_words":123,"start":1235.475,"end":1281.85},{"sentences":[{"text":"And more often than not, you can actually outperform a lot better or get greater returns just by participating in the market than active managers do.","start":1281.99,"end":1291.315,"sentiment":"positive","sentiment_score":0.4219838140102533},{"text":"Yeah.","start":1293.055,"end":1293.555,"sentiment":"neutral","sentiment_score":0.16134236752986908},{"text":"Yeah.","start":1294.015,"end":1294.515,"sentiment":"neutral","sentiment_score":0.17170819640159607},{"text":"Yeah.","start":1297.615,"end":1298.115,"sentiment":"neutral","sentiment_score":0.21423402428627017},{"text":"Excellent.","start":1298.98,"end":1299.48,"sentiment":"positive","sentiment_score":0.751197338104248}],"sentiment":"positive","sentiment_score":0.40900203635295235,"num_words":30,"start":1281.99,"end":1299.48},{"sentences":[{"text":"Yeah.","start":1301.7799,"end":1302.1799,"sentiment":"neutral","sentiment_score":0.2367837131023407},{"text":"Well, I'll go and have a look at the options.","start":1302.1799,"end":1303.94,"sentiment":"neutral","sentiment_score":0.16223568916320802},{"text":"We do have a couple of options that I've been looking at to replace those investments passively for a lot of my older clients.","start":1303.94,"end":1309.96,"sentiment":"neutral","sentiment_score":0.20646927195290724},{"text":"So I can have a look at what's low cost, look at what's been performing better for you, and also sorta keep you on track for your retirement there.","start":1310.5,"end":1318.2051,"sentiment":"neutral","sentiment_score":0.3256577905909768},{"text":"Okay.","start":1318.2051,"end":1318.7051,"sentiment":"neutral","sentiment_score":0.11920301616191864}],"sentiment":"neutral","sentiment_score":0.2519643396139145,"num_words":65,"start":1301.7799,"end":1318.7051},{"sentences":[{"text":"Beautiful.","start":1319.9651,"end":1320.4651,"sentiment":"positive","sentiment_score":0.5316888689994812},{"text":"Excellent.","start":1320.685,"end":1321.185,"sentiment":"positive","sentiment_score":0.545006513595581},{"text":"Now the other thing to sorta give you an update on is the insurance side of things.","start":1322.125,"end":1325.805,"sentiment":"neutral","sentiment_score":0.06714742806027918},{"text":"So I know we had retained Colonial First State.","start":1325.805,"end":1328.7051,"sentiment":"neutral","sentiment_score":0.029270161357190874},{"text":"I do need to update the research with them, but the last sort of information I have here was that the life in TPD, in the event of passing, your life cover was with a sum insured of 568,000, and you have the same level of TPD.","start":1329.21,"end":1344.03,"sentiment":"neutral","sentiment_score":0.026704809707688525}],"sentiment":"neutral","sentiment_score":0.049823455574611826,"num_words":75,"start":1319.9651,"end":1344.03},{"sentences":[{"text":"What was your goal with your life cover if something was to happen?","start":1345.175,"end":1348.455,"sentiment":"neutral","sentiment_score":0.05210653807108219},{"text":"What was it that you realistically wanted that to cover and pay out for you?","start":1348.455,"end":1352.715,"sentiment":"neutral","sentiment_score":0.04665378804008166},{"text":"Yeah.","start":1356.775,"end":1357.275,"sentiment":"neutral","sentiment_score":0.015925047919154167},{"text":"Yep.","start":1361.2999,"end":1361.7999,"sentiment":"neutral","sentiment_score":0.029272427782416344},{"text":"Mhmm.","start":1372.435,"end":1372.935,"sentiment":"neutral","sentiment_score":-0.018581584095954895}],"sentiment":"neutral","sentiment_score":0.045284119584868034,"num_words":31,"start":1345.175,"end":1372.935},{"sentences":[{"text":"Yep.","start":1384.93,"end":1385.43,"sentiment":"neutral","sentiment_score":-0.03815142437815666},{"text":"Yep.","start":1387.81,"end":1387.89,"sentiment":"neutral","sentiment_score":-0.016466427594423294},{"text":"Yep.","start":1387.89,"end":1388.39,"sentiment":"neutral","sentiment_score":-0.01266234926879406},{"text":"Yeah.","start":1392.77,"end":1393.27,"sentiment":"neutral","sentiment_score":-0.007786603644490242},{"text":"Yeah.","start":1396.145,"end":1396.645,"sentiment":"neutral","sentiment_score":0.006604434922337532}],"sentiment":"neutral","sentiment_score":-0.013692473992705345,"num_words":5,"start":1384.93,"end":1396.645},{"sentences":[{"text":"Yeah.","start":1397.8251,"end":1398.3251,"sentiment":"neutral","sentiment_score":-0.02764209732413292},{"text":"Mhmm.","start":1403.505,"end":1404.005,"sentiment":"neutral","sentiment_score":0.023603186011314392},{"text":"Looking after her.","start":1406.3201,"end":1407.4601,"sentiment":"neutral","sentiment_score":0.1474646801749865},{"text":"Yep.","start":1413.2001,"end":1413.7001,"sentiment":"neutral","sentiment_score":0.1030549854040146},{"text":"Yeah.","start":1415.8401,"end":1416.3401,"sentiment":"neutral","sentiment_score":0.10202127695083618}],"sentiment":"neutral","sentiment_score":0.09191877022385597,"num_words":7,"start":1397.8251,"end":1416.3401},{"sentences":[{"text":"Yep.","start":1418.415,"end":1418.915,"sentiment":"neutral","sentiment_score":0.12372076511383057},{"text":"Absolutely.","start":1422.655,"end":1423.155,"sentiment":"neutral","sentiment_score":0.17842568457126615},{"text":"No.","start":1423.4551,"end":1423.775,"sentiment":"neutral","sentiment_score":0.01273072510957718},{"text":"Definitely.","start":1423.775,"end":1424.275,"sentiment":"neutral","sentiment_score":0.10014708340168},{"text":"So with the current value that I can see here, essentially, that would cover the cost of the mortgage.","start":1424.415,"end":1429.155,"sentiment":"neutral","sentiment_score":0.1082702157528777}],"sentiment":"neutral","sentiment_score":0.10748514597830565,"num_words":23,"start":1418.415,"end":1429.155},{"sentences":[{"text":"And then with your super balance paid out from Colonial First Day and Hub twenty four, that's another I know I need to update the Colonial First State balance here in front of me, but I had about 21 last year, so it's probably almost double that now.","start":1429.295,"end":1442.55,"sentiment":"neutral","sentiment_score":0.037651396434133254},{"text":"So the $1.77 plus, say, another 20 or 30,000 on top of that would give her an extra buffer an extra buffer to sort of take some time off and and look at what she wants to do moving forward.","start":1443.17,"end":1453.8551,"sentiment":"neutral","sentiment_score":0.2170596495270729},{"text":"Do you feel that's fairly comfortable with that level?","start":1453.8551,"end":1456.275,"sentiment":"neutral","sentiment_score":0.1931326472096973},{"text":"Yes.","start":1456.9751,"end":1457.4751,"sentiment":"neutral","sentiment_score":0.10081639885902403},{"text":"Yes.","start":1458.015,"end":1458.495,"sentiment":"neutral","sentiment_score":0.04389616474509239}],"sentiment":"neutral","sentiment_score":0.12497534745871419,"num_words":99,"start":1429.295,"end":1458.495},{"sentences":[{"text":"Beautiful.","start":1458.495,"end":1458.995,"sentiment":"neutral","sentiment_score":0.10540402680635452},{"text":"Yeah.","start":1471.07,"end":1471.3899,"sentiment":"neutral","sentiment_score":-0.09807540476322174},{"text":"Okay.","start":1471.3899,"end":1471.8899,"sentiment":"neutral","sentiment_score":-0.07978038489818573},{"text":"Oh, absolutely.","start":1480.025,"end":1481.085,"sentiment":"neutral","sentiment_score":0.153878815472126},{"text":"Yeah.","start":1481.385,"end":1481.705,"sentiment":"neutral","sentiment_score":0.12764295935630798}],"sentiment":"neutral","sentiment_score":0.06049147124091784,"num_words":6,"start":1458.495,"end":1481.705},{"sentences":[{"text":"Yeah.","start":1481.705,"end":1481.945,"sentiment":"neutral","sentiment_score":0.17827031016349792},{"text":"So the cover you'd have within Colonial First State is definitely more group cover.","start":1481.945,"end":1486.105,"sentiment":"neutral","sentiment_score":0.1955744336758341},{"text":"It's a lot cheaper if you were to try and get more cover now with your current injuries.","start":1486.105,"end":1491.43,"sentiment":"neutral","sentiment_score":0.10291413838664691},{"text":"There would be exclusions, possible loadings, and the cover would be a lot more expensive than what you're paying in Colonial as well.","start":1491.43,"end":1497.43,"sentiment":"neutral","sentiment_score":-0.10917042066221652},{"text":"So, yes, absolutely.","start":1497.43,"end":1502.4249,"sentiment":"neutral","sentiment_score":0.18692991137504578}],"sentiment":"neutral","sentiment_score":0.047773507313203005,"num_words":59,"start":1481.705,"end":1502.4249},{"sentences":[{"text":"Yeah.","start":1503.125,"end":1503.5249,"sentiment":"positive","sentiment_score":0.4696238934993744},{"text":"And I would more than happily keep that going the way it is for you.","start":1503.5249,"end":1507.865,"sentiment":"positive","sentiment_score":0.6675287648414572},{"text":"Keeping the cover you have now with no exclusions or loadings is definitely better than having exclusions or loadings down the track, especially with where you are and with what the load the exclusion would be with your back and what you do for like, you're probably more likely to claim for back injuries.","start":1508.245,"end":1523.3201,"sentiment":"neutral","sentiment_score":-0.007774214363760418},{"text":"So yeah.","start":1523.46,"end":1524.6,"sentiment":"neutral","sentiment_score":-0.03547998145222664},{"text":"No.","start":1524.8201,"end":1525.06,"sentiment":"neutral","sentiment_score":-0.08535005897283554}],"sentiment":"neutral","sentiment_score":0.13570462696713537,"num_words":73,"start":1503.125,"end":1525.06},{"sentences":[{"text":"Definitely.","start":1525.06,"end":1525.56,"sentiment":"neutral","sentiment_score":0.07956256717443466},{"text":"With your total permanent disability cover, you do have the same sum insured as your life cover.","start":1526.555,"end":1531.915,"sentiment":"neutral","sentiment_score":0.15140256504802144},{"text":"Are you happy to retain that you're not wanting to look at anything additional down the track or alter that level?","start":1531.915,"end":1537.455,"sentiment":"neutral","sentiment_score":0.04049994991648765},{"text":"No.","start":1540.12,"end":1540.2001,"sentiment":"neutral","sentiment_score":-0.14246384799480438},{"text":"That's okay.","start":1540.2001,"end":1541.18,"sentiment":"neutral","sentiment_score":-0.03803127631545067}],"sentiment":"neutral","sentiment_score":0.07822330287169843,"num_words":42,"start":1525.06,"end":1541.18},{"sentences":[{"text":"And with your income protection there, it's a essentially, currently, with what I have in front of me here showing a monthly benefit, if in the event you are unable to work, this is pretax of $3,727.74 on a monthly basis.","start":1541.48,"end":1557.385,"sentiment":"neutral","sentiment_score":-0.03935321606695652},{"text":"I know getting new income protection in your late fifties is extremely expensive, and because you've had that past injury, there are loadings and impossible exclusions that sort of factor in.","start":1558.245,"end":1567.865,"sentiment":"negative","sentiment_score":-0.3809638744400394},{"text":"But pretax, like, I mean, if you were to say get $3,000 a month, would that sort of cover some of your monthly expenditure?","start":1568.51,"end":1576.69,"sentiment":"neutral","sentiment_score":-0.08172557720293601},{"text":"Do you have enough to sort of fall back on in the rate draw to to act as a buffer with the income protection benefit?","start":1576.83,"end":1582.9299,"sentiment":"neutral","sentiment_score":-0.07508950278162957},{"text":"Yeah.","start":1586.4551,"end":1586.9551,"sentiment":"neutral","sentiment_score":0.0028853751718997955}],"sentiment":"neutral","sentiment_score":-0.14146826240676838,"num_words":122,"start":1541.48,"end":1586.9551},{"sentences":[{"text":"It's small.","start":1587.015,"end":1588.235,"sentiment":"neutral","sentiment_score":-0.0033447802998125553},{"text":"Yeah.","start":1592.535,"end":1593.015,"sentiment":"neutral","sentiment_score":-0.00881704781204462},{"text":"Does does Kelly work as well?","start":1593.015,"end":1595.435,"sentiment":"neutral","sentiment_score":0.018154584802687168},{"text":"She does work?","start":1595.79,"end":1598.43,"sentiment":"neutral","sentiment_score":-0.0008926944186290106},{"text":"Yeah.","start":1598.43,"end":1598.93,"sentiment":"neutral","sentiment_score":-0.004224021919071674}],"sentiment":"neutral","sentiment_score":0.006655291940730352,"num_words":13,"start":1587.015,"end":1598.93},{"sentences":[{"text":"So so her income could still be coming in as well.","start":1599.39,"end":1602.5901,"sentiment":"neutral","sentiment_score":0.021683818406679413},{"text":"Do you think that $3 plus anything in your age order cover you and maybe her income would be sufficient?","start":1602.5901,"end":1608.2101,"sentiment":"neutral","sentiment_score":-0.018561610765755177},{"text":"Or that would suffice?","start":1608.3501,"end":1611.595,"sentiment":"neutral","sentiment_score":0.05254183243960142},{"text":"Yeah.","start":1611.595,"end":1612.0751,"sentiment":"neutral","sentiment_score":0.1495617926120758},{"text":"Perfect.","start":1612.0751,"end":1612.5751,"sentiment":"positive","sentiment_score":0.3681390583515167}],"sentiment":"neutral","sentiment_score":0.016085350483253196,"num_words":37,"start":1599.39,"end":1612.5751},{"sentences":[{"text":"Yeah.","start":1614.0751,"end":1614.395,"sentiment":"neutral","sentiment_score":-0.19596827030181885},{"text":"It is tough.","start":1614.395,"end":1615.295,"sentiment":"negative","sentiment_score":-0.42408765355745953},{"text":"I know looking at new income protection would probably be the better way to go, but it would be expensive and there would be exclusions given your current, you know, your previous injuries there.","start":1615.435,"end":1625.0599,"sentiment":"negative","sentiment_score":-0.4087398955050637},{"text":"So it would be very expensive to look into new cover.","start":1625.0599,"end":1627.86,"sentiment":"negative","sentiment_score":-0.4978563758459958},{"text":"So if we can find a way to certainly help you, we would.","start":1627.86,"end":1631.5599,"sentiment":"positive","sentiment_score":0.5601224761742812}],"sentiment":"neutral","sentiment_score":-0.21871315519655904,"num_words":62,"start":1614.0751,"end":1631.5599},{"sentences":[{"text":"With the the other thing is if once you hit 60, if you're unable to go back to work again because you have an injury or illness, we can actually get you access to your super as well.","start":1632.0199,"end":1643.585,"sentiment":"neutral","sentiment_score":0.041071478179410884},{"text":"So there is a kind of a buffer there if anything was to happen after you turn 60.","start":1643.585,"end":1648.005,"sentiment":"neutral","sentiment_score":0.07754531564811866},{"text":"Okay?","start":1648.065,"end":1648.565,"sentiment":"neutral","sentiment_score":0.04442131891846657},{"text":"And having a look at things at the moment, you're 59 this year.","start":1649.7799,"end":1653.88,"sentiment":"neutral","sentiment_score":0.01803653552913322},{"text":"Today.","start":1654.5,"end":1655.0,"sentiment":"neutral","sentiment_score":0.27789947390556335}],"sentiment":"neutral","sentiment_score":0.04948348742516213,"num_words":71,"start":1632.0199,"end":1655.0},{"sentences":[{"text":"Today.","start":1655.46,"end":1655.96,"sentiment":"neutral","sentiment_score":0.26175737380981445},{"text":"Happy birthday.","start":1656.02,"end":1656.84,"sentiment":"positive","sentiment_score":0.47503766417503357},{"text":"I'm so sorry we're doing it on your birthday on your birthday.","start":1656.8999,"end":1659.7999,"sentiment":"neutral","sentiment_score":0.09515649949510892},{"text":"Wow.","start":1662.035,"end":1662.355,"sentiment":"neutral","sentiment_score":0.0768248587846756},{"text":"I'm so sorry.","start":1662.355,"end":1662.995,"sentiment":"neutral","sentiment_score":-0.12327399104833603}],"sentiment":"neutral","sentiment_score":0.10845860956530821,"num_words":19,"start":1655.46,"end":1662.995},{"sentences":[{"text":"I didn't even look at the date properly.","start":1662.995,"end":1664.4349,"sentiment":"neutral","sentiment_score":-0.19177106767892838},{"text":"I was like, wow.","start":1664.4349,"end":1665.335,"sentiment":"neutral","sentiment_score":-0.22678828984498978},{"text":"How terrible am I?","start":1665.475,"end":1666.9349,"sentiment":"negative","sentiment_score":-0.4328199550509453},{"text":"I'm so oh, happy birthday.","start":1668.9149,"end":1671.015,"sentiment":"neutral","sentiment_score":0.028469405323266982},{"text":"59.","start":1671.7949,"end":1672.695,"sentiment":"neutral","sentiment_score":-0.009181654080748558}],"sentiment":"neutral","sentiment_score":-0.18361073402179914,"num_words":22,"start":1662.995,"end":1672.695},{"sentences":[{"text":"So look.","start":1673.475,"end":1674.06,"sentiment":"neutral","sentiment_score":0.021604672074317932},{"text":"If you can get through this year with the insurance cover you have, next year, there could be a point where we're able to consolidate.","start":1674.2201,"end":1680.2401,"sentiment":"neutral","sentiment_score":0.15466554522514342},{"text":"You may not need to have insurances after that point.","start":1680.54,"end":1683.52,"sentiment":"neutral","sentiment_score":0.028524048253893854},{"text":"It's just about looking at what your debt levels are and what we can do to sort of help you down the track there.","start":1683.9,"end":1689.405,"sentiment":"neutral","sentiment_score":0.14412000682204962},{"text":"Okay?","start":1689.405,"end":1689.905,"sentiment":"neutral","sentiment_score":0.0783652663230896}],"sentiment":"neutral","sentiment_score":0.12471506269949098,"num_words":62,"start":1673.475,"end":1689.905},{"sentences":[{"text":"Yep.","start":1690.8451,"end":1691.3451,"sentiment":"neutral","sentiment_score":0.2063172310590744},{"text":"Perfect.","start":1691.645,"end":1692.145,"sentiment":"positive","sentiment_score":0.42980825901031494},{"text":"So I'll look to retain the cover you have in Colonial First Day.","start":1692.285,"end":1695.3251,"sentiment":"neutral","sentiment_score":0.20189560720553765},{"text":"I'll get my team to send out a new authority to collect.","start":1695.3251,"end":1698.685,"sentiment":"neutral","sentiment_score":0.17357098311185837},{"text":"We'll get you to sign and return that back for us so we can seek and make sure we have everything updated there.","start":1698.685,"end":1704.7051,"sentiment":"neutral","sentiment_score":0.20221283707929694}],"sentiment":"neutral","sentiment_score":0.19989030867815016,"num_words":50,"start":1690.8451,"end":1704.7051},{"sentences":[{"text":"I will also, after the call, just send out the will information for you just as a talking point.","start":1705.19,"end":1709.85,"sentiment":"neutral","sentiment_score":0.11253528963578374},{"text":"I don't expect in any way that you'll wanna take up the speak to the solicitors, but it gives you a bit of a talking point and a bit of a costing to compare against.","start":1709.99,"end":1718.17,"sentiment":"neutral","sentiment_score":-0.03111651475940432},{"text":"And if it's okay, we do also need to get an updated copy of your driver's license.","start":1718.875,"end":1723.515,"sentiment":"neutral","sentiment_score":0.04159660533289699},{"text":"It looks like it has expired on file, and it is really important that us and your super funds do have an updated copy of your driver's license for identification.","start":1723.515,"end":1732.015,"sentiment":"neutral","sentiment_score":0.06502603154319028},{"text":"So I'll just get you to email me back a copy of that if you can.","start":1732.475,"end":1736.3201,"sentiment":"neutral","sentiment_score":0.05220465129241347}],"sentiment":"neutral","sentiment_score":0.03882299268490866,"num_words":117,"start":1705.19,"end":1736.3201},{"sentences":[{"text":"Or is it better if I get someone to text you?","start":1736.3201,"end":1738.64,"sentiment":"neutral","sentiment_score":0.012096213515509258},{"text":"What's easier for you?","start":1738.64,"end":1740.3401,"sentiment":"neutral","sentiment_score":0.0378839373588562},{"text":"Yep.","start":1742.64,"end":1743.14,"sentiment":"neutral","sentiment_score":0.06536103785037994},{"text":"Beautiful.","start":1746.015,"end":1746.175,"sentiment":"positive","sentiment_score":0.714674711227417},{"text":"Beautiful.","start":1746.175,"end":1746.3351,"sentiment":"positive","sentiment_score":0.7676481008529663}],"sentiment":"neutral","sentiment_score":0.10179321933537722,"num_words":18,"start":1736.3201,"end":1746.3351},{"sentences":[{"text":"Now you've had a really good return there.","start":1747.935,"end":1750.015,"sentiment":"positive","sentiment_score":0.6997783035039902},{"text":"I'm having a bit of look at your portfolio, and we're gonna look at retaining the insurances.","start":1750.015,"end":1753.875,"sentiment":"neutral","sentiment_score":0.24221710685421438},{"text":"I'll also do some research on Colonial First State and see how those investments are working for you over there.","start":1754.015,"end":1759.2,"sentiment":"neutral","sentiment_score":0.23625498563051223},{"text":"Maybe as part of the advice, we'll look to update things that way for you.","start":1759.44,"end":1762.8999,"sentiment":"neutral","sentiment_score":0.1968677798906962},{"text":"With your portfolio in Super, you are in a balanced growth environment.","start":1763.5199,"end":1767.38,"sentiment":"neutral","sentiment_score":0.15742790016035238}],"sentiment":"neutral","sentiment_score":0.2678217841312289,"num_words":72,"start":1747.935,"end":1767.38},{"sentences":[{"text":"So when you sort of consider the risk level out of, say, five, you're in a bit of a three there.","start":1767.76,"end":1772.96,"sentiment":"neutral","sentiment_score":0.006901624834253674},{"text":"So we it's in between sort of a two and a three, realistically.","start":1772.96,"end":1777.4851,"sentiment":"neutral","sentiment_score":0.03371220597854027},{"text":"You're kind of middle of the range there, so you generally see 70% of your super invest in growth assets.","start":1777.545,"end":1783.245,"sentiment":"neutral","sentiment_score":0.0560834938660264},{"text":"That's things like Australian shares, international shares, listed property, and commodities, and then the other 30% invested in defensive assets, the cash, bonds, and fixed interest there.","start":1783.865,"end":1795.4501,"sentiment":"neutral","sentiment_score":0.04448475578316936},{"text":"With this balance growth sort of area, you realistically can expect a negative return, say, one in every four to five years.","start":1796.23,"end":1805.475,"sentiment":"neutral","sentiment_score":-0.25415602495724504}],"sentiment":"neutral","sentiment_score":-0.02607263559565961,"num_words":103,"start":1767.76,"end":1805.475},{"sentences":[{"text":"And, realistically, we're sort of chasing returns of around about sort of six to 7% on a yearly basis depending on what the market does.","start":1806.415,"end":1815.15,"sentiment":"neutral","sentiment_score":-0.13792290210723876},{"text":"And you can be invested in this portfolio when you're sort of about five years away from wanting to access so far.","start":1815.63,"end":1822.1901,"sentiment":"neutral","sentiment_score":-0.13063089549541473},{"text":"So that's the general time horizon that we're sort of expecting for this investment portfolio here.","start":1822.1901,"end":1827.87,"sentiment":"neutral","sentiment_score":-0.024385312251979485},{"text":"So, realistically, with your goal of 67, you definitely have that time horizon.","start":1827.87,"end":1833.955,"sentiment":"neutral","sentiment_score":0.16608445346355438},{"text":"Even if you were, say, wanting to try and access some of your super or slow down at 65, you still kinda have that time horizon there ahead of you.","start":1834.015,"end":1842.115,"sentiment":"neutral","sentiment_score":0.01978974590698878}],"sentiment":"neutral","sentiment_score":-0.03735214129599901,"num_words":106,"start":1806.415,"end":1842.115},{"sentences":[{"text":"Do you feel like that's probably a good goal, tracking forward around '65 to sixty seven to slow down, or would you wanna kinda slow down a little earlier than that?","start":1843.0,"end":1851.98,"sentiment":"neutral","sentiment_score":0.2766187808686687},{"text":"No.","start":1854.6951,"end":1855.1951,"sentiment":"neutral","sentiment_score":-0.09827477484941484},{"text":"That's okay.","start":1856.6951,"end":1857.495,"sentiment":"neutral","sentiment_score":0.14217951893806458},{"text":"That's not a problem at all.","start":1857.495,"end":1859.015,"sentiment":"positive","sentiment_score":0.4099532167116801},{"text":"So we'll say we've got about sort of five to six to seven years ahead of us there.","start":1859.015,"end":1863.435,"sentiment":"neutral","sentiment_score":0.25292159120241803}],"sentiment":"neutral","sentiment_score":0.2719581795149836,"num_words":58,"start":1843.0,"end":1863.435},{"sentences":[{"text":"Beautiful.","start":1863.575,"end":1864.075,"sentiment":"positive","sentiment_score":0.6739199161529541},{"text":"If you with what's happening in the market at the moment, I don't know if you watch the news on a regular basis, but with what has been happening.","start":1865.415,"end":1872.0399,"sentiment":"neutral","sentiment_score":0.02334237188614648},{"text":"There's been a lot going on.","start":1872.4199,"end":1874.12,"sentiment":"neutral","sentiment_score":0.0874118513117234},{"text":"If you if we sort of did see this will continue for a bit longer, if we did see a lot of, you know, short term volatility moving forward and say your portfolio dropped by, say, 10 or 20% over the course of the next year.","start":1876.1,"end":1888.8949,"sentiment":"neutral","sentiment_score":-0.11637317826566489},{"text":"Because you're not wanting to access super, you have time on your side to allow it to kinda go through the motions and come back before you actually actually taking your super.","start":1889.4349,"end":1898.85,"sentiment":"neutral","sentiment_score":-0.13719112263061106}],"sentiment":"neutral","sentiment_score":-0.06901721329542629,"num_words":114,"start":1863.575,"end":1898.85},{"sentences":[{"text":"But how do you think that kind of a job might make you feel?","start":1899.23,"end":1902.2699,"sentiment":"neutral","sentiment_score":-0.07536643530641284},{"text":"Do you think you'd be wanting to call and find out what's happening?","start":1902.2699,"end":1905.09,"sentiment":"neutral","sentiment_score":-0.06818522942753938},{"text":"Are you a bit concerned, or are you just not really worried?","start":1905.1499,"end":1907.7899,"sentiment":"neutral","sentiment_score":-0.13980096330245337},{"text":"You're not taking money out just yet?","start":1907.7899,"end":1909.3899,"sentiment":"neutral","sentiment_score":-0.2818053088017872},{"text":"How do you think you might feel?","start":1909.3899,"end":1910.9299,"sentiment":"neutral","sentiment_score":-0.14995009345667704}],"sentiment":"neutral","sentiment_score":-0.12531014060917892,"num_words":53,"start":1899.23,"end":1910.9299},{"sentences":[{"text":"Yeah.","start":1913.6051,"end":1914.005,"sentiment":"neutral","sentiment_score":-0.006906837224960327},{"text":"Yep.","start":1914.005,"end":1914.505,"sentiment":"neutral","sentiment_score":-0.0056476471945643425},{"text":"Yeah.","start":1922.885,"end":1923.385,"sentiment":"neutral","sentiment_score":-0.13288918137550354},{"text":"Yep.","start":1925.17,"end":1925.5701,"sentiment":"neutral","sentiment_score":-0.13197475671768188},{"text":"Yep.","start":1925.5701,"end":1926.0701,"sentiment":"neutral","sentiment_score":-0.17643122375011444}],"sentiment":"neutral","sentiment_score":-0.09076992925256491,"num_words":5,"start":1913.6051,"end":1926.0701},{"sentences":[{"text":"Yeah.","start":1929.49,"end":1929.99,"sentiment":"neutral","sentiment_score":-0.15578880906105042},{"text":"Yeah.","start":1935.65,"end":1936.15,"sentiment":"neutral","sentiment_score":-0.01585310697555542},{"text":"Yeah.","start":1936.4501,"end":1936.9501,"sentiment":"neutral","sentiment_score":0.07463681697845459},{"text":"Absolutely.","start":1937.17,"end":1937.67,"sentiment":"neutral","sentiment_score":0.2520586848258972},{"text":"Absolutely.","start":1939.6649,"end":1940.1649,"sentiment":"neutral","sentiment_score":-0.06365089118480682}],"sentiment":"neutral","sentiment_score":0.01828053891658783,"num_words":5,"start":1929.49,"end":1940.1649},{"sentences":[{"text":"When you think about the sort of returns you're chasing on a yearly basis from your super, are you sort of chasing the highest returns you can, or are you fairly comfortable taking a moderate amount of risk and maybe getting returns of, say, six to eight, four to six, or two to 4% on a yearly basis moving forward?","start":1941.105,"end":1957.14,"sentiment":"neutral","sentiment_score":0.0045895277367283905},{"text":"The moderate?","start":1959.36,"end":1960.08,"sentiment":"neutral","sentiment_score":0.044225554913282394},{"text":"Yeah.","start":1960.08,"end":1960.32,"sentiment":"neutral","sentiment_score":0.07067827880382538},{"text":"Do you think you'd be comfortable with, say, six to 8% per year, four to 6% per year, two to four percent per year?","start":1960.32,"end":1966.5599,"sentiment":"neutral","sentiment_score":0.06944949179887772},{"text":"What's your comfort level?","start":1966.5599,"end":1967.94,"sentiment":"neutral","sentiment_score":0.03836003690958023}],"sentiment":"neutral","sentiment_score":0.024777241798301975,"num_words":91,"start":1941.105,"end":1967.94},{"sentences":[{"text":"Yep.","start":1970.255,"end":1970.755,"sentiment":"neutral","sentiment_score":0.03332328051328659},{"text":"Yep.","start":1971.455,"end":1971.775,"sentiment":"neutral","sentiment_score":0.04144349321722984},{"text":"Yep.","start":1971.775,"end":1972.275,"sentiment":"neutral","sentiment_score":0.07154606282711029},{"text":"Yeah.","start":1973.135,"end":1973.615,"sentiment":"neutral","sentiment_score":0.2141278088092804},{"text":"Perfect.","start":1973.615,"end":1974.115,"sentiment":"positive","sentiment_score":0.468661904335022}],"sentiment":"neutral","sentiment_score":0.16582050994038583,"num_words":5,"start":1970.255,"end":1974.115},{"sentences":[{"text":"Perfect.","start":1974.335,"end":1974.835,"sentiment":"positive","sentiment_score":0.36071646213531494},{"text":"And I've got down here sort of looking at the way things are.","start":1975.935,"end":1978.495,"sentiment":"neutral","sentiment_score":-0.02602052602630395},{"text":"You're getting a bit older.","start":1978.495,"end":1979.615,"sentiment":"neutral","sentiment_score":-0.18186937272548676},{"text":"I'd sort of say that if markets did take a bit of a dip, whilst you're not accessing to for the moment, you'd feel a bit cautious about that.","start":1979.615,"end":1985.8301,"sentiment":"neutral","sentiment_score":-0.1808327061348948},{"text":"Am I right in sort of a bit cautious or concerned about what's happening?","start":1985.8301,"end":1989.29,"sentiment":"neutral","sentiment_score":-0.1289304117006915}],"sentiment":"neutral","sentiment_score":-0.12800115292831774,"num_words":62,"start":1974.335,"end":1989.29},{"sentences":[{"text":"Yeah.","start":1989.51,"end":1990.01,"sentiment":"neutral","sentiment_score":0.00496847927570343},{"text":"Yeah.","start":1990.79,"end":1991.1901,"sentiment":"neutral","sentiment_score":0.08728234469890594},{"text":"Beautiful.","start":1991.1901,"end":1991.6901,"sentiment":"positive","sentiment_score":0.3768438994884491},{"text":"Lovely.","start":1991.99,"end":1992.49,"sentiment":"positive","sentiment_score":0.3737078905105591},{"text":"And the last question here is have you ever thought about taking out a loan in order to invest in shares or manage funds?","start":1992.87,"end":1998.315,"sentiment":"neutral","sentiment_score":-0.022411687144388754}],"sentiment":"neutral","sentiment_score":0.010890075803867407,"num_words":28,"start":1989.51,"end":1998.315},{"sentences":[{"text":"I'm sort of taking no for that one.","start":1998.315,"end":2000.075,"sentiment":"neutral","sentiment_score":-0.17059140466153622},{"text":"Just checking.","start":2000.075,"end":2000.8949,"sentiment":"neutral","sentiment_score":-0.048062728717923164},{"text":"And you've only ever wanted to borrow.","start":2001.835,"end":2003.5149,"sentiment":"neutral","sentiment_score":-0.056298107973166873},{"text":"You've got your main primary residence there, not looking to borrow for anything else in the future?","start":2003.5149,"end":2007.855,"sentiment":"neutral","sentiment_score":-0.03531484886565629},{"text":"Yeah.","start":2014.25,"end":2014.75,"sentiment":"neutral","sentiment_score":0.013469724915921688}],"sentiment":"neutral","sentiment_score":-0.0697664616097297,"num_words":35,"start":1998.315,"end":2014.75},{"sentences":[{"text":"Yep.","start":2015.77,"end":2016.27,"sentiment":"neutral","sentiment_score":0.009634608402848244},{"text":"Yep.","start":2018.97,"end":2019.47,"sentiment":"neutral","sentiment_score":0.002543817041441798},{"text":"That's okay.","start":2019.85,"end":2020.6699,"sentiment":"neutral","sentiment_score":0.0323606301099062},{"text":"Yep.","start":2025.335,"end":2025.835,"sentiment":"neutral","sentiment_score":-0.014354187995195389},{"text":"No.","start":2026.9349,"end":2027.255,"sentiment":"neutral","sentiment_score":-0.014913864433765411}],"sentiment":"neutral","sentiment_score":0.007938605539190272,"num_words":6,"start":2015.77,"end":2027.255},{"sentences":[{"text":"Of course.","start":2027.255,"end":2027.9149,"sentiment":"neutral","sentiment_score":0.009840155020356178},{"text":"Yeah.","start":2028.695,"end":2029.195,"sentiment":"neutral","sentiment_score":0.1570795774459839},{"text":"All good, Ricky.","start":2029.6549,"end":2030.615,"sentiment":"positive","sentiment_score":0.3761727313200633},{"text":"Well, you have scored there in that risk profile questionnaire as a moderate investor.","start":2030.615,"end":2034.9349,"sentiment":"neutral","sentiment_score":0.21650268669639314},{"text":"So that balanced growth portfolio does realistically suit your time horizon with where you're at.","start":2034.9349,"end":2039.77,"sentiment":"neutral","sentiment_score":0.21127749035755794}],"sentiment":"neutral","sentiment_score":0.2144422300159931,"num_words":35,"start":2027.255,"end":2039.77},{"sentences":[{"text":"Are you fairly comfortable staying with that sort of seventy thirty asset allocation, or did you wanna maybe look at reducing it a bit further and maybe stepping down a risk level?","start":2039.99,"end":2050.39,"sentiment":"neutral","sentiment_score":0.04287714709062129},{"text":"How do you sort of feel?","start":2050.39,"end":2051.69,"sentiment":"neutral","sentiment_score":0.0075620754311482115},{"text":"Yep.","start":2061.445,"end":2061.945,"sentiment":"neutral","sentiment_score":-0.10518446564674376},{"text":"Yeah.","start":2062.085,"end":2062.585,"sentiment":"neutral","sentiment_score":-0.1121666356921196},{"text":"Well, yeah.","start":2064.8198,"end":2066.3599,"sentiment":"neutral","sentiment_score":-0.014996915124356747}],"sentiment":"neutral","sentiment_score":0.027859433997599853,"num_words":42,"start":2039.99,"end":2066.3599},{"sentences":[{"text":"I mean, the other option is if you like, because I could always drop you down one level, more to the balance sort of area, which is you kinda go from that 70% in growth assets to about 60%.","start":2066.42,"end":2079.635,"sentiment":"neutral","sentiment_score":0.00687808242554848},{"text":"So it is more of just a slight drop down, about a 10% drop in those growth investments.","start":2079.635,"end":2085.2551,"sentiment":"neutral","sentiment_score":-0.11953388113114569},{"text":"You bring up your defensive by that 10% area.","start":2085.315,"end":2088.055,"sentiment":"neutral","sentiment_score":-0.01694444360004531},{"text":"The expected return we're kinda chasing is around about five to 7% with this, so a bit lower than where we would be expecting in the balanced growth portfolio.","start":2089.22,"end":2097.64,"sentiment":"neutral","sentiment_score":-0.11733704073161914},{"text":"And this sort of portfolio, the balanced area sort of suits someone who's about three years away from accessing super.","start":2098.66,"end":2105.345,"sentiment":"neutral","sentiment_score":-0.09649052731692791}],"sentiment":"neutral","sentiment_score":-0.06407347274539263,"num_words":115,"start":2066.42,"end":2105.345},{"sentences":[{"text":"And the likelihood of a negative return is more one in seven years.","start":2105.885,"end":2109.245,"sentiment":"negative","sentiment_score":-0.398365671818073},{"text":"So you are taking a bit less risk in the market, seeing a little bit less volatility.","start":2109.245,"end":2113.345,"sentiment":"neutral","sentiment_score":-0.11038945220849093},{"text":"Being really open and honest, you are dropping risk that way, so the returns are expected drop a little bit.","start":2114.5251,"end":2120.0999,"sentiment":"neutral","sentiment_score":0.04200538843870163},{"text":"However, your 4% for this year is a bit low for all the portfolios.","start":2120.0999,"end":2124.5999,"sentiment":"neutral","sentiment_score":-0.11843417105930192},{"text":"It's just that the volatility that's been going on globally with the war in Iran and The US as well as the high inflation we're seeing here.","start":2124.9,"end":2133.0798,"sentiment":"neutral","sentiment_score":-0.12563382047745916}],"sentiment":"neutral","sentiment_score":-0.12379624395743831,"num_words":91,"start":2105.885,"end":2133.0798},{"sentences":[{"text":"But it really is up to you as well.","start":2134.085,"end":2135.6848,"sentiment":"neutral","sentiment_score":0.17474428729878533},{"text":"If you wanted, you could stay in the balanced growth environment for maybe another sort of six to twelve months.","start":2135.6848,"end":2140.405,"sentiment":"neutral","sentiment_score":0.21175007596611978},{"text":"We could catch up in six months and see how you're feeling about things and maybe look at adjusting it then.","start":2140.405,"end":2145.4448,"sentiment":"neutral","sentiment_score":0.21863489420641036},{"text":"It's honestly up to you.","start":2145.4448,"end":2146.9849,"sentiment":"neutral","sentiment_score":0.25692316293716433},{"text":"Yep.","start":2149.89,"end":2150.29,"sentiment":"neutral","sentiment_score":0.1276465654373169}],"sentiment":"neutral","sentiment_score":0.21091598684766463,"num_words":56,"start":2134.085,"end":2150.29},{"sentences":[{"text":"Yep.","start":2150.29,"end":2150.79,"sentiment":"neutral","sentiment_score":0.21772825717926023},{"text":"Perfect.","start":2151.09,"end":2151.57,"sentiment":"positive","sentiment_score":0.48140227794647217},{"text":"The other sort of thing I like to think about is if you're not making additional contributions to super, we wanna make the ones that you are making work a bit harder.","start":2151.57,"end":2159.25,"sentiment":"neutral","sentiment_score":0.04627800569869578},{"text":"So sticking to that for six months, you can always ring me and tell me you're not comfortable, and we can always reevaluate that.","start":2159.25,"end":2165.445,"sentiment":"neutral","sentiment_score":-0.24229248178501925},{"text":"Okay?","start":2165.665,"end":2166.165,"sentiment":"neutral","sentiment_score":0.023707611486315727}],"sentiment":"neutral","sentiment_score":-0.061208224302883876,"num_words":59,"start":2150.29,"end":2166.165},{"sentences":[{"text":"Beautiful.","start":2167.425,"end":2167.925,"sentiment":"positive","sentiment_score":0.6431156396865845},{"text":"Excellent.","start":2168.225,"end":2168.725,"sentiment":"positive","sentiment_score":0.6630683541297913},{"text":"So what I'll do, I'll go back and do some research around the balance growth environment.","start":2169.105,"end":2173.205,"sentiment":"neutral","sentiment_score":0.16626198310405016},{"text":"I'll look at what you've got, adjust and update the advice there for you.","start":2173.345,"end":2177.53,"sentiment":"neutral","sentiment_score":0.14296960404941014},{"text":"We'll go through that together, and you can tell me what your thoughts are around the advice I'm providing.","start":2177.53,"end":2181.79,"sentiment":"neutral","sentiment_score":0.151732122035403}],"sentiment":"neutral","sentiment_score":0.17354628429108976,"num_words":51,"start":2167.425,"end":2181.79},{"sentences":[{"text":"Because you are closer to accessing super, I can also factor in to a limited scope sort of the retirement aspect, so you can sort of see where you might be tracking for at the moment just to give you a bit of an idea.","start":2182.17,"end":2189.88,"sentiment":"neutral","sentiment_score":0.07776113516754574},{"text":"Tracking for at the moment just to give you a bit of an idea.","start":2191.605,"end":2194.605,"sentiment":"neutral","sentiment_score":0.016629950209919895},{"text":"We did have originally, you were kind of wanting to access when you access super draw down income about a thousand dollars a week.","start":2194.605,"end":2201.045,"sentiment":"neutral","sentiment_score":-0.0042433600562314195},{"text":"Is that sort of what you're thinking you'd be tracking for at the moment, or did you wanna alter that goal a little bit?","start":2201.045,"end":2206.425,"sentiment":"neutral","sentiment_score":0.0008103330231582125},{"text":"No.","start":2208.3801,"end":2208.54,"sentiment":"neutral","sentiment_score":-0.02382582426071167}],"sentiment":"neutral","sentiment_score":0.03357270289281452,"num_words":108,"start":2182.17,"end":2208.54},{"sentences":[{"text":"That's good.","start":2208.54,"end":2209.36,"sentiment":"neutral","sentiment_score":0.22268100082874298},{"text":"Excellent.","start":2210.3,"end":2210.8,"sentiment":"positive","sentiment_score":0.4535606503486634},{"text":"And other goals I had down here from the past, you noted that you wanted to finish tackling the renovations.","start":2211.7402,"end":2218.1602,"sentiment":"neutral","sentiment_score":0.06865365933626891},{"text":"You've made mention you've got some more renovations to do.","start":2218.3,"end":2220.86,"sentiment":"neutral","sentiment_score":0.05584301166236401},{"text":"You still still have those as a a lot medium term goal?","start":2220.86,"end":2224.2751,"sentiment":"neutral","sentiment_score":0.05292313375199834}],"sentiment":"neutral","sentiment_score":0.07701119023064772,"num_words":45,"start":2208.54,"end":2224.2751},{"sentences":[{"text":"Yep.","start":2226.495,"end":2226.995,"sentiment":"neutral","sentiment_score":0.14841189980506897},{"text":"Yep.","start":2234.67,"end":2235.17,"sentiment":"neutral","sentiment_score":0.0015301195671781898},{"text":"Yep.","start":2237.55,"end":2238.05,"sentiment":"neutral","sentiment_score":0.10298389196395874},{"text":"Absolutely.","start":2238.1099,"end":2238.6099,"sentiment":"neutral","sentiment_score":0.32385438680648804},{"text":"Yeah.","start":2242.91,"end":2243.41,"sentiment":"neutral","sentiment_score":0.12913164496421814}],"sentiment":"neutral","sentiment_score":0.1411823886213824,"num_words":5,"start":2226.495,"end":2243.41},{"sentences":[{"text":"Nice.","start":2243.71,"end":2244.21,"sentiment":"neutral","sentiment_score":0.22626617550849917},{"text":"Yeah.","start":2249.405,"end":2249.8052,"sentiment":"neutral","sentiment_score":-0.06353173404932022},{"text":"No.","start":2249.8052,"end":2250.2852,"sentiment":"neutral","sentiment_score":-0.11726835370063782},{"text":"Absolutely.","start":2250.2852,"end":2250.7852,"sentiment":"neutral","sentiment_score":-0.02357306145131588},{"text":"Other than that, I had down here that you're, again, just wanting to pay down the mortgage as much as possible.","start":2251.885,"end":2256.945,"sentiment":"neutral","sentiment_score":-0.11004081474883216}],"sentiment":"neutral","sentiment_score":-0.09155856333673,"num_words":25,"start":2243.71,"end":2256.945},{"sentences":[{"text":"Essentially, it was over the next five years.","start":2257.9,"end":2260.06,"sentiment":"neutral","sentiment_score":-0.0796719966456294},{"text":"That was sort of last year there.","start":2260.06,"end":2261.74,"sentiment":"neutral","sentiment_score":-0.0867418327501842},{"text":"So you still from what we've discussed, it was still got that goal to reduce the mortgage as much as possible.","start":2261.74,"end":2267.36,"sentiment":"neutral","sentiment_score":-0.05203653623660406},{"text":"Sorry.","start":2268.86,"end":2269.34,"sentiment":"neutral","sentiment_score":-0.05166387930512428},{"text":"And then utilizing the motor home was the other thing we had noted down here and taking some travels, and this four days away sounds amazing.","start":2269.34,"end":2277.0251,"sentiment":"neutral","sentiment_score":0.2897285692966901}],"sentiment":"neutral","sentiment_score":0.08164988665117158,"num_words":63,"start":2257.9,"end":2277.0251},{"sentences":[{"text":"Yeah.","start":2283.26,"end":2283.76,"sentiment":"neutral","sentiment_score":0.12245263159275056},{"text":"Yeah.","start":2286.54,"end":2286.7,"sentiment":"neutral","sentiment_score":0.25276413559913635},{"text":"Absolutely.","start":2286.7,"end":2287.2,"sentiment":"positive","sentiment_score":0.4706912040710449},{"text":"No.","start":2287.66,"end":2287.98,"sentiment":"positive","sentiment_score":0.3757529854774475},{"text":"Perfect.","start":2287.98,"end":2288.48,"sentiment":"positive","sentiment_score":0.6948274970054626}],"sentiment":"positive","sentiment_score":0.3832976907491684,"num_words":5,"start":2283.26,"end":2288.48},{"sentences":[{"text":"Fantastic.","start":2288.7,"end":2289.2,"sentiment":"positive","sentiment_score":0.7332586050033569},{"text":"The only other thing to let you know is we'll send out an annual review pack to you shortly.","start":2290.38,"end":2294.32,"sentiment":"neutral","sentiment_score":0.3125108598094237},{"text":"You do pay for our services and keeping us with your advisers and updating the advice.","start":2294.6199,"end":2298.805,"sentiment":"neutral","sentiment_score":0.18153395084664226},{"text":"We do charge an ongoing service fee just to kinda go through and make sure you're fully aware of that.","start":2298.805,"end":2303.365,"sentiment":"neutral","sentiment_score":0.10724986512213945},{"text":"It is 1.65% per annum.","start":2303.365,"end":2305.865,"sentiment":"neutral","sentiment_score":0.1117740511894226}],"sentiment":"neutral","sentiment_score":0.20130124120194404,"num_words":61,"start":2288.7,"end":2305.865},{"sentences":[{"text":"That 4% I gave you as a positive return was net of our fee as well.","start":2306.2449,"end":2310.4048,"sentiment":"neutral","sentiment_score":0.303101253695786},{"text":"So we always wanna make sure that your super is making the 1.65% for the year and then additional growth on top of that.","start":2310.4048,"end":2317.05,"sentiment":"neutral","sentiment_score":0.29057718502978486},{"text":"And with our ongoing service fee, it fluctuates the market.","start":2317.9102,"end":2320.87,"sentiment":"neutral","sentiment_score":0.08161122351884842},{"text":"So because it's a percentage based fee, that 1.65% is per annum.","start":2320.87,"end":2326.075,"sentiment":"neutral","sentiment_score":0.06979453687866528},{"text":"So then it's deducted in smaller monthly increments out of your super in smaller amounts, and our fee fluctuates with the market.","start":2326.075,"end":2332.555,"sentiment":"neutral","sentiment_score":0.08623412928797981}],"sentiment":"neutral","sentiment_score":0.18302702407042185,"num_words":84,"start":2306.2449,"end":2332.555},{"sentences":[{"text":"So when the market's doing really well, our fee is gonna be slightly higher.","start":2332.555,"end":2336.095,"sentiment":"neutral","sentiment_score":0.00429955856608493},{"text":"However, when the market does take a bit of a dip, it means that our fee takes a bit of a dip there with it as well.","start":2336.2898,"end":2341.3298,"sentiment":"neutral","sentiment_score":-0.010278161891080715},{"text":"So just to make sure we're fully across everything for you.","start":2341.3298,"end":2345.1099,"sentiment":"neutral","sentiment_score":0.15670033544301987},{"text":"We'll also have those reports.","start":2345.89,"end":2347.49,"sentiment":"neutral","sentiment_score":0.1282083198428154},{"text":"I'll have an updated super balance with your Colonial First State and Hub twenty four in there for you, and also the reports I went through with regards to your Hub twenty four super, the returns, and the portfolio, and how that's been tracking.","start":2347.49,"end":2359.965,"sentiment":"neutral","sentiment_score":0.1628235371952707}],"sentiment":"neutral","sentiment_score":0.09219469677767542,"num_words":101,"start":2332.555,"end":2359.965},{"sentences":[{"text":"My team also did put our financial services guide in there for you, which outlines everything about who we are, what we do, how we do it.","start":2360.5852,"end":2366.72,"sentiment":"neutral","sentiment_score":0.15321944653987885},{"text":"Has a lovely picture of me in there for you if you wanna see what I look like.","start":2366.72,"end":2370.58,"sentiment":"neutral","sentiment_score":0.23117378529989058},{"text":"And as I'm thank you.","start":2373.04,"end":2377.295,"sentiment":"neutral","sentiment_score":0.23288241028785706},{"text":"Thank you.","start":2377.295,"end":2377.855,"sentiment":"positive","sentiment_score":0.5443574786186218},{"text":"I'll take it.","start":2377.855,"end":2378.835,"sentiment":"neutral","sentiment_score":0.27875619754195213}],"sentiment":"neutral","sentiment_score":0.20704452351412989,"num_words":55,"start":2360.5852,"end":2378.835},{"sentences":[{"text":"And, honestly, it's also got my registration in there for you as well because I am a full licensed adviser.","start":2380.9749,"end":2385.875,"sentiment":"neutral","sentiment_score":0.0786221694201231},{"text":"So I do like to, you know, make sure you're aware I am licensed.","start":2385.935,"end":2389.4202,"sentiment":"neutral","sentiment_score":0.07056981538023267},{"text":"My license number is in there.","start":2389.4202,"end":2390.78,"sentiment":"neutral","sentiment_score":0.06462270952761173},{"text":"It's 1304394.","start":2390.78,"end":2392.78,"sentiment":"neutral","sentiment_score":0.07445647567510605},{"text":"So if you ever wanted to look me up, you absolutely can.","start":2392.78,"end":2395.76,"sentiment":"neutral","sentiment_score":0.1445307514319817}],"sentiment":"neutral","sentiment_score":0.08947109313750709,"num_words":54,"start":2380.9749,"end":2395.76},{"sentences":[{"text":"And in the meantime, we'll get that sent out to you.","start":2396.06,"end":2398.3801,"sentiment":"neutral","sentiment_score":0.06589482860131697},{"text":"It'll come through via email if you can sign and return it back.","start":2398.3801,"end":2401.1,"sentiment":"neutral","sentiment_score":0.07285610299844009},{"text":"I'll send the other email for you as well, and I'll get the team to send you a text just asking for your ID shortly.","start":2401.1,"end":2407.195,"sentiment":"neutral","sentiment_score":0.08395943522453309},{"text":"And then I'll get stuck into some research for you, and I'll find out what's going on and update the advice for you.","start":2407.5752,"end":2412.875,"sentiment":"neutral","sentiment_score":0.08766530000645181},{"text":"Okay?","start":2412.935,"end":2413.435,"sentiment":"neutral","sentiment_score":0.06390859931707382}],"sentiment":"neutral","sentiment_score":0.08015299772154795,"num_words":73,"start":2396.06,"end":2413.435},{"sentences":[{"text":"Beautiful.","start":2414.5352,"end":2415.0352,"sentiment":"positive","sentiment_score":0.5807943344116211},{"text":"Is there anything I haven't touched on that you maybe wanted touch on with regard to your super or anything of our services or your review?","start":2415.0952,"end":2423.19,"sentiment":"neutral","sentiment_score":0.05883903421748143},{"text":"Oh, fantastic.","start":2426.05,"end":2426.95,"sentiment":"positive","sentiment_score":0.3855934292078018},{"text":"Well, thank you so much.","start":2427.17,"end":2428.53,"sentiment":"positive","sentiment_score":0.4823820352554321},{"text":"Look.","start":2428.53,"end":2428.77,"sentiment":"positive","sentiment_score":0.3653707504272461}],"sentiment":"neutral","sentiment_score":0.1616879145481757,"num_words":35,"start":2414.5352,"end":2428.77},{"sentences":[{"text":"I will let you go.","start":2428.77,"end":2429.81,"sentiment":"positive","sentiment_score":0.44333587884902953},{"text":"Enjoy your birthday.","start":2429.81,"end":2430.79,"sentiment":"positive","sentiment_score":0.5889304280281067},{"text":"I hope you're going out for dinner or doing something fun.","start":2430.85,"end":2433.59,"sentiment":"positive","sentiment_score":0.4638051119717685},{"text":"Oh, that's beautiful.","start":2436.345,"end":2437.645,"sentiment":"neutral","sentiment_score":0.24217733244101206},{"text":"Are they all left home?","start":2438.345,"end":2439.225,"sentiment":"neutral","sentiment_score":0.01092991791665554}],"sentiment":"positive","sentiment_score":0.3654262406268605,"num_words":27,"start":2428.77,"end":2439.225},{"sentences":[{"text":"They're all older now?","start":2439.225,"end":2440.365,"sentiment":"neutral","sentiment_score":-0.0022609306033700705},{"text":"Yep.","start":2441.7852,"end":2442.2852,"sentiment":"neutral","sentiment_score":0.029698453843593597},{"text":"Wow.","start":2444.985,"end":2445.485,"sentiment":"neutral","sentiment_score":0.058188073337078094},{"text":"Wow.","start":2450.58,"end":2451.08,"sentiment":"neutral","sentiment_score":0.06300939619541168},{"text":"They grow up so fast.","start":2451.3,"end":2452.76,"sentiment":"neutral","sentiment_score":0.06780223920941353}],"sentiment":"neutral","sentiment_score":0.04007194975080589,"num_words":12,"start":2439.225,"end":2452.76},{"sentences":[{"text":"All good, Ricky.","start":2457.14,"end":2457.94,"sentiment":"neutral","sentiment_score":0.3020456035931905},{"text":"Look.","start":2457.94,"end":2458.18,"sentiment":"neutral","sentiment_score":0.2454570233821869},{"text":"Thank you so much for taking my call.","start":2458.18,"end":2459.805,"sentiment":"positive","sentiment_score":0.5730351507663727},{"text":"I really appreciate it.","start":2459.805,"end":2461.005,"sentiment":"positive","sentiment_score":0.6239486634731293},{"text":"I'll update the advice and make sure we touch base in six months, and I'll do get all those other emails and things together for you.","start":2461.005,"end":2467.165,"sentiment":"positive","sentiment_score":0.3415879561350896}],"sentiment":"positive","sentiment_score":0.4074513465166092,"num_words":42,"start":2457.14,"end":2467.165},{"sentences":[{"text":"If you have any questions in the meantime or feel there's something we didn't touch on or want me to follow-up on anything, please let me know.","start":2467.165,"end":2473.9001,"sentiment":"neutral","sentiment_score":0.18076552781793806},{"text":"I'm always here and happy to help.","start":2473.9001,"end":2475.6802,"sentiment":"positive","sentiment_score":0.5594408426965986},{"text":"Okay?","start":2475.74,"end":2476.24,"sentiment":"neutral","sentiment_score":0.293186217546463},{"text":"Thank you so much for your time.","start":2478.3801,"end":2479.82,"sentiment":"positive","sentiment_score":0.5649469877992358},{"text":"You enjoy your night.","start":2479.82,"end":2481.12,"sentiment":"positive","sentiment_score":0.5849772095680237}],"sentiment":"positive","sentiment_score":0.33444519826899405,"num_words":46,"start":2467.165,"end":2481.12},{"sentences":[{"text":"Thanks.","start":2482.62,"end":2483.1,"sentiment":"neutral","sentiment_score":0.2762501537799835},{"text":"See you 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Speaking. Thank you. Yep. Yep. Still got a little bit to do, but, yeah, not too bad. Mhmm. Definitely. Yep. Ricky Darren Antonovich. 27th Of 5th 1967 And 40 5 Midgen Road, Chattura. Yeah. Not too bad. Not too bad. Yeah. Work has been pretty full on. But yeah. No. It's all pretty good. Just got a letter the other day to say sorry. Just got a letter the other day to say that you've been you've been trying to ring me, email me, text me, but I haven't got in hadn't haven't had anything. Still still looking at it. Look. At the end of the day, I'll still work to a degree, but not not five days a week. While the body while the body while the body lets me, I'll be doing it. I'm not I'm not going to the grave unused. Well, we we bought a motor home, Gamba, twelve months ago. So we we plan on traveling and yep. Short short trips, and we're actually about to go four days. So, yeah, four days is as big a trip as as we can sort of fit in at the moment with holidays and stuff for work and work commitments for both of us. And but, you know, we plan on planning on bigger trips and then go around Australia in a year or so. No. It's pretty much the same. We've added a couple of things to it, but yeah. No. I'll write that. Yep. Oh, it's hard to tell with what the government's doing. Similar, I guess. I just I haven't looked at what the market is doing as far as valuation. I'd I'd reckon to be a bit similar. I think we what the government's doing at the moment, but I don't think prices are going up very much. Yep. We have a we have a little bit. Yeah. I know I haven't the wife takes care of all of that, and I haven't recently, but but it's we would have reduced it, but I thought how much I'm not sure. If I hang on a sec. Hang on. I'm just just gonna look into my bank. 4597. Yep. Yep. I do. It's getting older, but to me, yeah, every bit of it. Realistically realistically, it probably decreases in value a little bit, I guess, as the older it gets, but because it's got customized rear end and all of that, yeah, I'd still put the value up there. Well, you'd have to you'd have to deal with another it's another year older, basically. So, yeah, I'm not sure. Yeah. Yep. I do. That's okay. Yep. It's been gone for a long time. I hit a couple of kangaroos this year. Because I've gotten a big one. I had a bull bar on it thankfully. I wouldn't with you probably not. Look. That's that's a guardian value. Probably 3 and a half. Yep. Boat and motor. Yep. Yeah. They won't drop much. So it's yeah. You'd get to grand all day every day. No. I won't be boating. But the four days we're going away now, we're going away jet boating and and yachting. So we you know, there's there's boating, and my mate's got a boat as well that we fish down in the bay for a week every year. So so there's always a boat around something. We would. I'd have to get I'm not quite sure what's in the redraw. Every there is a this is always keeping it well up there. I just don't see what it is. Yep. She is. I'm a supervisor of the greenhouse. Yeah. Yep. Yep. Not really pay rise, but there there is overtime that comes in into play as well. On top of that, it just varies every year. But it's for the base. Yeah. ID is good. Just for the base. Yep. No. Forty five is pretty, yeah, pretty good at the moment. Been working less of the overtime yet. Yep. Not for that. No. Still still going along with the phone. We just wanna knock that mortgage now. Yeah. Yeah. Plus we've had two funerals this year and yeah. Mother and sister. And then we've had two weddings and three births. So we've had a bit going on as far as Payment. Payments on. Activities? Yeah. Highs and lows. Just I'm sad and some really happy, some really sad. That's a loss. And they all come in the lost. Yeah. 80. Yeah. Exactly. At the moment, I think at the moment, I know a common sense is that doing that would be good, but at the moment, that's something that wife and I haven't spoken about, and it's something I'd wanna talk to her about first. Something I've thought about over the years, just never really done it. Yeah. I'd I'd have to talk to someone first on that. I'm gonna roll it out, but it's not. Yep. Yep. Yep. We've we've talked about it multiple times. We know each other's wishes. But given that Kel has three daughters and I have three daughters and it's sort of a split family collecting. There's always the potential that my wife's always nervous that one of my daughters might contest something and and give it a hard time. Should I go toes up overnight? She it's quite possible she would have a battle on her hands as far as a contested will or something. So we we talk about it all the time. We we should've and we haven't, but it's more poignant now, especially with the two funerals that we had this year. It just brings it to the fore that, you know, it does happen. And you haven't got any of the amount of time, and we we really we need to. Yep. Yep. We do we do have one that the white with wipes that I have used for some other things in the past, a person here in Chepparton. And I think that that would be better because they should I be the first to go, then that would serve Cal really well. Certainly, send the email. We can have a look at it, and it'll serve as a reminder for me to talk to Cal about it again as well. Yep. Yes. Yep. Yep. Yep. Yep. I don't. I don't, to be honest. Alright. I am a kind of skink. Mhmm. Yeah. For sure. Yep. Yep. Mhmm. What would you Mhmm. So the returns, though, wanting something like that, I don't know. Usually, it's great, are they? Okay. Okay. Yep. Yeah. No worries at all. That's thanks a lot. It's a way to go then. It's a bit safer, and if the returns are there, that's even better. Mhmm. Mhmm. Look after Cal, basically. Pay up the debts. And I would, you know, potentially leave Kel with basically, even with Super as a as a as a thing, it's I know a lot of people wanna use it retirement, whatever. So I think it's a fail safe for Cal. If I do fall ill and whatever and pass away, that's my concern to go straight to to Cal to look after Cal. Yeah. Obviously, we've got a $450, mileage, but something like that would not straight off the top of it. So, you know, I know she's right. She could either she could either maintain or keep the property, sell it, walk away with money, whatever my main priority is to to she's alright. And then, you know, we we do pay off the mortgage or whatever, then basically, we'll see again my kids split up or we use it for traveling or in the trailer or anything like that. Yes. I gotta be careful I gotta be careful with the insurance as well. You you did notice that we we never renewed it. And the reason is I broke my back two, three years ago. And that's current level is I'm still insured at that. If I redid it, it would be a whole different scenario. Exactly. No. It's I was 80. It's just the main time that but we'll cover the original one. Yep. Nothing. Not really. Yep. $3 a month. Yeah. It's probably a bit lower than Okay. Okay. She doesn't see. Yep. She doesn't see this. Yep. That was that was the part. Yeah. That was the part. Yep. Yep. Yep. Good night. Thank you. So good. So good. Yep. Yep. Yep. Yep. Either way, text is fine. Do that, and I'll take a take a photo and send it through. Yep. No. No. I didn't write in before that. Hey, Alex. How are you doing? Hey. Mhmm. Yes. I'll take the money here yet, but it's always. Obviously, over this over the years, I've dropped with global financial things. I've dropped money here and there at times, and it's always a big concern, especially now, as you said, getting older. So it's always a concern and what the government's doing. You just don't know what's happening. Yep. The motorist. Yep. Yep. Yep. I would be. Yep. Six, seven, to 10. Yep. Yep. Yep. Yep. No. No. The only thing we could do a couple of reno's. We're both get to the bathroom and there's a little bit outside, but we're having just to do that on top on on the side. But really nothing else that we use to do that. Oh. Mhmm. No. I ain't comfortable with it. But, again, pretty volatile for these guys. It's hard to say. Could've should've order. Yep. I kinda like Better ID. Yep. What would Yep. Yep. Yep. Mhmm. Yeah. We do. We're hoping to be able to do that. We're hoping to be able to just come up with the money and just do that without the bank alone or anything of that nature. I'm lucky I can do most of the work myself. So I won't quit, but it's always costly. Yes. It's just the smaller the smallest sort of bites at the moment, but the bigger ones will come. No. No worries. We could set you sound a lot younger than you said you were. Yep. Mhmm. Yep. Yeah. Fantastic. Sounds good. No. Thank you pretty much, Calvin Everland. Kids coming around for tea at home. Yeah. Yep. They're all my eldest is 40, and and the youngest, I think, is 20. Yep. I do. Yes. I do. No worries. Thank you. See you. 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Speaking. Thank you. Yep. Yep.\n\nStill got a little bit to do, but, yeah, not too bad. Mhmm. Definitely. Yep. Ricky Darren Antonovich.\n\n27th Of 5th 1967 And 40 5 Midgen Road, Chattura. Yeah. Not too bad. Not too bad. Yeah.\n\nWork has been pretty full on. But yeah. No. It's all pretty good. Just got a letter the other day to say sorry.\n\nJust got a letter the other day to say that you've been you've been trying to ring me, email me, text me, but I haven't got in hadn't haven't had anything. Still still looking at it. Look. At the end of the day, I'll still work to a degree, but not not five days a week. While the body while the body while the body lets me, I'll be doing it.\n\nI'm not I'm not going to the grave unused. Well, we we bought a motor home, Gamba, twelve months ago. So we we plan on traveling and yep. Short short trips, and we're actually about to go four days. So, yeah, four days is as big a trip as as we can sort of fit in at the moment with holidays and stuff for work and work commitments for both of us.\n\nAnd but, you know, we plan on planning on bigger trips and then go around Australia in a year or so. No. It's pretty much the same. We've added a couple of things to it, but yeah. No.\n\nI'll write that. Yep. Oh, it's hard to tell with what the government's doing. Similar, I guess. I just I haven't looked at what the market is doing as far as valuation.\n\nI'd I'd reckon to be a bit similar. I think we what the government's doing at the moment, but I don't think prices are going up very much. Yep. We have a we have a little bit. Yeah.\n\nI know I haven't the wife takes care of all of that, and I haven't recently, but but it's we would have reduced it, but I thought how much I'm not sure. If I hang on a sec. Hang on. I'm just just gonna look into my bank. 4597.\n\nYep. Yep. I do. It's getting older, but to me, yeah, every bit of it. Realistically realistically, it probably decreases in value a little bit, I guess, as the older it gets, but because it's got customized rear end and all of that, yeah, I'd still put the value up there.\n\nWell, you'd have to you'd have to deal with another it's another year older, basically. So, yeah, I'm not sure. Yeah. Yep. I do.\n\nThat's okay. Yep. It's been gone for a long time. I hit a couple of kangaroos this year. Because I've gotten a big one.\n\nI had a bull bar on it thankfully. I wouldn't with you probably not. Look. That's that's a guardian value. Probably 3 and a half.\n\nYep. Boat and motor. Yep. Yeah. They won't drop much.\n\nSo it's yeah. You'd get to grand all day every day. No. I won't be boating. But the four days we're going away now, we're going away jet boating and and yachting.\n\nSo we you know, there's there's boating, and my mate's got a boat as well that we fish down in the bay for a week every year. So so there's always a boat around something. We would. I'd have to get I'm not quite sure what's in the redraw. Every there is a this is always keeping it well up there.\n\nI just don't see what it is. Yep. She is. I'm a supervisor of the greenhouse. Yeah.\n\nYep. Yep. Not really pay rise, but there there is overtime that comes in into play as well. On top of that, it just varies every year. But it's for the base.\n\nYeah. ID is good. Just for the base. Yep. No.\n\nForty five is pretty, yeah, pretty good at the moment. Been working less of the overtime yet. Yep. Not for that. No.\n\nStill still going along with the phone. We just wanna knock that mortgage now. Yeah. Yeah. Plus we've had two funerals this year and yeah.\n\nMother and sister. And then we've had two weddings and three births. So we've had a bit going on as far as Payment. Payments on. Activities?\n\nYeah. Highs and lows. Just I'm sad and some really happy, some really sad. That's a loss. And they all come in the lost.\n\nYeah. 80. Yeah. Exactly. At the moment, I think at the moment, I know a common sense is that doing that would be good, but at the moment, that's something that wife and I haven't spoken about, and it's something I'd wanna talk to her about first.\n\nSomething I've thought about over the years, just never really done it. Yeah. I'd I'd have to talk to someone first on that. I'm gonna roll it out, but it's not. Yep.\n\nYep. Yep. We've we've talked about it multiple times. We know each other's wishes. But given that Kel has three daughters and I have three daughters and it's sort of a split family collecting.\n\nThere's always the potential that my wife's always nervous that one of my daughters might contest something and and give it a hard time. Should I go toes up overnight? She it's quite possible she would have a battle on her hands as far as a contested will or something. So we we talk about it all the time. We we should've and we haven't, but it's more poignant now, especially with the two funerals that we had this year.\n\nIt just brings it to the fore that, you know, it does happen. And you haven't got any of the amount of time, and we we really we need to. Yep. Yep. We do we do have one that the white with wipes that I have used for some other things in the past, a person here in Chepparton.\n\nAnd I think that that would be better because they should I be the first to go, then that would serve Cal really well. Certainly, send the email. We can have a look at it, and it'll serve as a reminder for me to talk to Cal about it again as well. Yep. Yes.\n\nYep. Yep. Yep. Yep. I don't.\n\nI don't, to be honest. Alright. I am a kind of skink. Mhmm. Yeah.\n\nFor sure. Yep. Yep. Mhmm. What would you Mhmm.\n\nSo the returns, though, wanting something like that, I don't know. Usually, it's great, are they? Okay. Okay. Yep.\n\nYeah. No worries at all. That's thanks a lot. It's a way to go then. It's a bit safer, and if the returns are there, that's even better.\n\nMhmm. Mhmm. Look after Cal, basically. Pay up the debts. And I would, you know, potentially leave Kel with basically, even with Super as a as a as a thing, it's I know a lot of people wanna use it retirement, whatever.\n\nSo I think it's a fail safe for Cal. If I do fall ill and whatever and pass away, that's my concern to go straight to to Cal to look after Cal. Yeah. Obviously, we've got a $450, mileage, but something like that would not straight off the top of it. So, you know, I know she's right.\n\nShe could either she could either maintain or keep the property, sell it, walk away with money, whatever my main priority is to to she's alright. And then, you know, we we do pay off the mortgage or whatever, then basically, we'll see again my kids split up or we use it for traveling or in the trailer or anything like that. Yes. I gotta be careful I gotta be careful with the insurance as well. You you did notice that we we never renewed it.\n\nAnd the reason is I broke my back two, three years ago. And that's current level is I'm still insured at that. If I redid it, it would be a whole different scenario. Exactly. No.\n\nIt's I was 80. It's just the main time that but we'll cover the original one. Yep. Nothing. Not really.\n\nYep. $3 a month. Yeah. It's probably a bit lower than Okay. Okay.\n\nShe doesn't see. Yep. She doesn't see this. Yep. That was that was the part.\n\nYeah. That was the part. Yep. Yep. Yep.\n\nGood night. Thank you. So good. So good. Yep.\n\nYep. Yep. Yep. Either way, text is fine. Do that, and I'll take a take a photo and send it through.\n\nYep. No. No. I didn't write in before that. Hey, Alex.\n\nHow are you doing? Hey. Mhmm. Yes. I'll take the money here yet, but it's always.\n\nObviously, over this over the years, I've dropped with global financial things. I've dropped money here and there at times, and it's always a big concern, especially now, as you said, getting older. So it's always a concern and what the government's doing. You just don't know what's happening. Yep.\n\nThe motorist. Yep. Yep. Yep. I would be.\n\nYep. Six, seven, to 10. Yep. Yep. Yep.\n\nYep. No. No. The only thing we could do a couple of reno's. We're both get to the bathroom and there's a little bit outside, but we're having just to do that on top on on the side.\n\nBut really nothing else that we use to do that. Oh. Mhmm. No. I ain't comfortable with it.\n\nBut, again, pretty volatile for these guys. It's hard to say. Could've should've order. Yep. I kinda like Better ID.\n\nYep. What would Yep. Yep. Yep. Mhmm.\n\nYeah. We do. We're hoping to be able to do that. We're hoping to be able to just come up with the money and just do that without the bank alone or anything of that nature. I'm lucky I can do most of the work myself.\n\nSo I won't quit, but it's always costly. Yes. It's just the smaller the smallest sort of bites at the moment, but the bigger ones will come. No. No worries.\n\nWe could set you sound a lot younger than you said you were. Yep. Mhmm. Yep. Yeah.\n\nFantastic. Sounds good. No. Thank you pretty much, Calvin Everland. Kids coming around for tea at home.\n\nYeah. Yep. They're all my eldest is 40, and and the youngest, I think, is 20. Yep. I do.\n\nYes. I do. No worries. Thank you. See you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.64,"sentiment":"neutral","sentiment_score":0.05401875823736191},{"text":"Speaking.","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.05231967940926552},{"text":"Thank you.","start":6.16,"end":6.8999996,"sentiment":"positive","sentiment_score":0.6286895275115967},{"text":"Yep.","start":14.0,"end":14.415,"sentiment":"neutral","sentiment_score":0.1194959506392479},{"text":"Yep.","start":19.295,"end":19.695,"sentiment":"neutral","sentiment_score":0.049759358167648315}],"sentiment":"neutral","sentiment_score":0.2554954669127862,"num_words":6,"start":0.48,"end":19.695},{"sentences":[{"text":"Still got a little bit to do, but, yeah, not too bad.","start":19.695,"end":23.555,"sentiment":"neutral","sentiment_score":0.03461634755755464},{"text":"Mhmm.","start":37.27,"end":37.35,"sentiment":"neutral","sentiment_score":0.026959747076034542},{"text":"Definitely.","start":37.35,"end":37.85,"sentiment":"neutral","sentiment_score":0.1312396228313446},{"text":"Yep.","start":38.15,"end":38.65,"sentiment":"neutral","sentiment_score":0.2354709357023239},{"text":"Ricky Darren Antonovich.","start":48.375,"end":49.675,"sentiment":"neutral","sentiment_score":0.01953958844145139}],"sentiment":"neutral","sentiment_score":0.048204735645817384,"num_words":18,"start":19.695,"end":49.675},{"sentences":[{"text":"27th Of 5th 1967 And 40 5 Midgen Road, Chattura.","start":51.335,"end":55.595,"sentiment":"neutral","sentiment_score":0.021623695362359287},{"text":"Yeah.","start":64.64,"end":64.8,"sentiment":"neutral","sentiment_score":0.03062904253602028},{"text":"Not too bad.","start":64.8,"end":65.520004,"sentiment":"neutral","sentiment_score":0.029508354763189953},{"text":"Not too bad.","start":65.520004,"end":66.42,"sentiment":"neutral","sentiment_score":0.04935952151815096},{"text":"Yeah.","start":66.8,"end":67.12,"sentiment":"neutral","sentiment_score":0.10081155598163603}],"sentiment":"neutral","sentiment_score":0.03246006561029288,"num_words":18,"start":51.335,"end":67.12},{"sentences":[{"text":"Work has been pretty full on.","start":67.12,"end":68.9,"sentiment":"neutral","sentiment_score":0.18220378955205283},{"text":"But yeah.","start":70.435,"end":71.475,"sentiment":"neutral","sentiment_score":0.12854277342557907},{"text":"No.","start":71.475,"end":71.795,"sentiment":"neutral","sentiment_score":0.06601808220148087},{"text":"It's all pretty good.","start":71.795,"end":72.935,"sentiment":"neutral","sentiment_score":0.23282191529870033},{"text":"Just got a letter the other day to say sorry.","start":73.315,"end":75.715,"sentiment":"neutral","sentiment_score":-0.04359338823705912}],"sentiment":"neutral","sentiment_score":0.08311652805170287,"num_words":23,"start":67.12,"end":75.715},{"sentences":[{"text":"Just got a letter the other day to say that you've been you've been trying to ring me, email me, text me, but I haven't got in hadn't haven't had anything.","start":75.715,"end":83.975,"sentiment":"neutral","sentiment_score":-0.08504491143168942},{"text":"Still still looking at it.","start":108.465,"end":109.744995,"sentiment":"neutral","sentiment_score":0.0005213659256696701},{"text":"Look.","start":109.744995,"end":109.905,"sentiment":"neutral","sentiment_score":0.012279331684112549},{"text":"At the end of the day, I'll still work to a degree, but not not five days a week.","start":109.905,"end":115.11,"sentiment":"neutral","sentiment_score":0.011765887813740656},{"text":"While the body while the body while the body lets me, I'll be doing it.","start":127.67,"end":132.075,"sentiment":"neutral","sentiment_score":0.008998237426082294}],"sentiment":"neutral","sentiment_score":-0.03187296708757189,"num_words":71,"start":75.715,"end":132.075},{"sentences":[{"text":"I'm not I'm not going to the grave unused.","start":135.015,"end":138.47499,"sentiment":"neutral","sentiment_score":-0.06834328919649124},{"text":"Well, we we bought a motor home, Gamba, twelve months ago.","start":146.81999,"end":152.74,"sentiment":"neutral","sentiment_score":0.04879205961796371},{"text":"So we we plan on traveling and yep.","start":152.74,"end":157.72,"sentiment":"neutral","sentiment_score":0.21688850782811642},{"text":"Short short trips, and we're actually about to go four days.","start":163.645,"end":167.425,"sentiment":"neutral","sentiment_score":0.0718544391407208},{"text":"So, yeah, four days is as big a trip as as we can sort of fit in at the moment with holidays and stuff for work and work commitments for both of us.","start":169.485,"end":179.52,"sentiment":"neutral","sentiment_score":0.11508180601804545}],"sentiment":"neutral","sentiment_score":0.08673374367774361,"num_words":72,"start":135.015,"end":179.52},{"sentences":[{"text":"And but, you know, we plan on planning on bigger trips and then go around Australia in a year or so.","start":179.52,"end":185.325,"sentiment":"neutral","sentiment_score":0.09719487767489184},{"text":"No.","start":199.08499,"end":199.245,"sentiment":"neutral","sentiment_score":-0.12892302870750427},{"text":"It's pretty much the same.","start":199.245,"end":200.65999,"sentiment":"neutral","sentiment_score":-0.1188021793961525},{"text":"We've added a couple of things to it, but yeah.","start":200.65999,"end":203.09999,"sentiment":"neutral","sentiment_score":-0.012571537401527166},{"text":"No.","start":203.09999,"end":203.37999,"sentiment":"neutral","sentiment_score":0.03702010586857796}],"sentiment":"neutral","sentiment_score":0.03235429571941495,"num_words":38,"start":179.52,"end":203.37999},{"sentences":[{"text":"I'll write that.","start":203.37999,"end":204.65999,"sentiment":"positive","sentiment_score":0.3797983229160309},{"text":"Yep.","start":204.65999,"end":205.15999,"sentiment":"neutral","sentiment_score":0.10437795519828796},{"text":"Oh, it's hard to tell with what the government's doing.","start":220.235,"end":222.495,"sentiment":"neutral","sentiment_score":-0.17891631722450257},{"text":"Similar, I guess.","start":225.91501,"end":226.875,"sentiment":"neutral","sentiment_score":-0.06173264111081759},{"text":"I just I haven't looked at what the market is doing as far as valuation.","start":226.875,"end":232.64,"sentiment":"neutral","sentiment_score":-0.05223051632444064}],"sentiment":"neutral","sentiment_score":-0.047313934890553355,"num_words":32,"start":203.37999,"end":232.64},{"sentences":[{"text":"I'd I'd reckon to be a bit similar.","start":233.18,"end":235.76,"sentiment":"neutral","sentiment_score":-0.055137171410024166},{"text":"I think we what the government's doing at the moment, but I don't think prices are going up very much.","start":236.37999,"end":241.43999,"sentiment":"neutral","sentiment_score":-0.1684198947623372},{"text":"Yep.","start":251.345,"end":251.845,"sentiment":"neutral","sentiment_score":0.03639085590839386},{"text":"We have a we have a little 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there.","start":361.95502,"end":374.87,"sentiment":"neutral","sentiment_score":-0.04212761954921815}],"sentiment":"neutral","sentiment_score":-0.04595427649716536,"num_words":51,"start":338.47498,"end":374.87},{"sentences":[{"text":"Well, you'd have to you'd have to deal with another it's another year older, basically.","start":384.53497,"end":388.715,"sentiment":"neutral","sentiment_score":-0.014945860703786213},{"text":"So, yeah, I'm not sure.","start":388.775,"end":390.47498,"sentiment":"neutral","sentiment_score":-0.12216094732284546},{"text":"Yeah.","start":397.71,"end":398.21,"sentiment":"neutral","sentiment_score":0.05172523111104965},{"text":"Yep.","start":399.55,"end":400.05,"sentiment":"neutral","sentiment_score":0.06268707662820816},{"text":"I do.","start":408.34998,"end":408.83,"sentiment":"neutral","sentiment_score":0.08211352676153183}],"sentiment":"neutral","sentiment_score":-0.02318138691286246,"num_words":24,"start":384.53497,"end":408.83},{"sentences":[{"text":"That's okay.","start":408.83,"end":409.71,"sentiment":"neutral","sentiment_score":0.150631882250309},{"text":"Yep.","start":409.71,"end":410.21,"sentiment":"neutral","sentiment_score":0.11790280044078828},{"text":"It's been gone for a long time.","start":413.765,"end":415.285,"sentiment":"neutral","sentiment_score":-0.1465197748371533},{"text":"I hit a couple of kangaroos this year.","start":415.285,"end":417.225,"sentiment":"neutral","sentiment_score":-0.07908291136845946},{"text":"Because I've gotten a big one.","start":423.52,"end":426.32,"sentiment":"neutral","sentiment_score":0.11310663198431332}],"sentiment":"neutral","sentiment_score":-0.023353973248352606,"num_words":24,"start":408.83,"end":426.32},{"sentences":[{"text":"I had a bull bar on it thankfully.","start":426.32,"end":427.86,"sentiment":"neutral","sentiment_score":0.0889719482511282},{"text":"I wouldn't with you probably 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now.","start":626.77997,"end":628.72,"sentiment":"neutral","sentiment_score":0.026524025946855545},{"text":"Yeah.","start":633.95496,"end":634.115,"sentiment":"neutral","sentiment_score":0.08613450825214386},{"text":"Yeah.","start":634.115,"end":634.51495,"sentiment":"neutral","sentiment_score":0.08603145182132721},{"text":"Plus we've had two funerals this year and yeah.","start":634.51495,"end":639.71497,"sentiment":"neutral","sentiment_score":0.05212269495758745}],"sentiment":"neutral","sentiment_score":-0.008904811218380928,"num_words":25,"start":625.26,"end":639.71497},{"sentences":[{"text":"Mother and sister.","start":639.71497,"end":640.695,"sentiment":"neutral","sentiment_score":-0.009113232294718424},{"text":"And then we've had two weddings and three births.","start":640.755,"end":646.29,"sentiment":"neutral","sentiment_score":0.011395289769603146},{"text":"So we've had a bit going on as far as 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10.","start":1969.55,"end":1970.6901,"sentiment":"neutral","sentiment_score":0.019651594571769238},{"text":"Yep.","start":1987.615,"end":1988.115,"sentiment":"neutral","sentiment_score":-0.10979368537664412},{"text":"Yep.","start":1988.5901,"end":1989.0901,"sentiment":"neutral","sentiment_score":-0.08936814963817596},{"text":"Yep.","start":2000.18,"end":2000.43,"sentiment":"neutral","sentiment_score":-0.028566479682922363}],"sentiment":"neutral","sentiment_score":-0.015861804131418467,"num_words":8,"start":1968.91,"end":2000.43},{"sentences":[{"text":"Yep.","start":2000.43,"end":2000.8301,"sentiment":"neutral","sentiment_score":-0.02598249912261963},{"text":"No.","start":2000.8301,"end":2001.3301,"sentiment":"neutral","sentiment_score":-0.08938108384609222},{"text":"No.","start":2008.275,"end":2008.675,"sentiment":"neutral","sentiment_score":-0.08331053704023361},{"text":"The only thing we could do a couple of reno's.","start":2008.675,"end":2011.415,"sentiment":"neutral","sentiment_score":-0.053272397443652156},{"text":"We're both get to the bathroom and there's a little bit outside, but we're having just to do that on top on on the side.","start":2011.9551,"end":2022.4501,"sentiment":"neutral","sentiment_score":0.0070385012729093435}],"sentiment":"neutral","sentiment_score":-0.014616725332177194,"num_words":38,"start":2000.43,"end":2022.4501},{"sentences":[{"text":"But really nothing else that we use to do that.","start":2022.4501,"end":2026.15,"sentiment":"neutral","sentiment_score":-0.020501749590039253},{"text":"Oh.","start":2026.53,"end":2027.03,"sentiment":"neutral","sentiment_score":-0.0002883840352296829},{"text":"Mhmm.","start":2028.61,"end":2029.11,"sentiment":"neutral","sentiment_score":0.04350090771913528},{"text":"No.","start":2055.675,"end":2055.835,"sentiment":"negative","sentiment_score":-0.4049154818058014},{"text":"I ain't comfortable with it.","start":2055.835,"end":2057.355,"sentiment":"negative","sentiment_score":-0.5413578629493714}],"sentiment":"neutral","sentiment_score":-0.18186165382050806,"num_words":18,"start":2022.4501,"end":2057.355},{"sentences":[{"text":"But, again, pretty volatile for these guys.","start":2057.355,"end":2061.215,"sentiment":"negative","sentiment_score":-0.40172773599624634},{"text":"It's hard to say.","start":2062.7952,"end":2064.075,"sentiment":"neutral","sentiment_score":-0.17266985028982162},{"text":"Could've should've order.","start":2064.075,"end":2065.135,"sentiment":"neutral","sentiment_score":-0.15444990495840707},{"text":"Yep.","start":2086.615,"end":2087.115,"sentiment":"neutral","sentiment_score":-0.01837114430963993},{"text":"I kinda like Better ID.","start":2147.145,"end":2148.825,"sentiment":"neutral","sentiment_score":0.18348115384578706}],"sentiment":"neutral","sentiment_score":-0.15335443215444683,"num_words":20,"start":2057.355,"end":2148.825},{"sentences":[{"text":"Yep.","start":2148.825,"end":2149.325,"sentiment":"neutral","sentiment_score":0.12474045157432556},{"text":"What would Yep.","start":2151.625,"end":2160.6802,"sentiment":"neutral","sentiment_score":0.0460520883401235},{"text":"Yep.","start":2165.62,"end":2166.12,"sentiment":"neutral","sentiment_score":-0.010089505463838576},{"text":"Yep.","start":2166.98,"end":2167.48,"sentiment":"neutral","sentiment_score":0.18336163461208344},{"text":"Mhmm.","start":2192.48,"end":2192.98,"sentiment":"neutral","sentiment_score":0.007534234318882227}],"sentiment":"neutral","sentiment_score":0.06338615429454617,"num_words":7,"start":2148.825,"end":2192.98},{"sentences":[{"text":"Yeah.","start":2224.755,"end":2224.9949,"sentiment":"neutral","sentiment_score":0.07403917610645294},{"text":"We do.","start":2224.9949,"end":2225.4749,"sentiment":"neutral","sentiment_score":0.109330452978611},{"text":"We're hoping to be able to do that.","start":2225.4749,"end":2227.6548,"sentiment":"neutral","sentiment_score":0.14019355550408363},{"text":"We're hoping to be able to just come up with the money and just do that without the bank alone or anything of that nature.","start":2230.275,"end":2236.9348,"sentiment":"neutral","sentiment_score":0.08104195095598697},{"text":"I'm lucky I can do most of the work myself.","start":2239.72,"end":2241.9,"sentiment":"neutral","sentiment_score":0.3207576900720596}],"sentiment":"neutral","sentiment_score":0.14451900436340467,"num_words":46,"start":2224.755,"end":2241.9},{"sentences":[{"text":"So I won't quit, but it's always costly.","start":2243.88,"end":2247.0198,"sentiment":"neutral","sentiment_score":-0.11683736834675074},{"text":"Yes.","start":2277.935,"end":2278.435,"sentiment":"neutral","sentiment_score":0.2544081509113312},{"text":"It's just the smaller the smallest sort of bites at the moment, but the bigger ones will come.","start":2278.655,"end":2285.155,"sentiment":"neutral","sentiment_score":0.13459890128837693},{"text":"No.","start":2369.6301,"end":2370.1301,"sentiment":"neutral","sentiment_score":-0.02327323518693447},{"text":"No worries.","start":2370.9102,"end":2371.57,"sentiment":"neutral","sentiment_score":0.05463136360049248}],"sentiment":"neutral","sentiment_score":0.06094929731140534,"num_words":30,"start":2243.88,"end":2371.57},{"sentences":[{"text":"We could set you sound a lot younger than you said you were.","start":2372.6702,"end":2376.05,"sentiment":"neutral","sentiment_score":0.06952393513459426},{"text":"Yep.","start":2386.765,"end":2387.265,"sentiment":"neutral","sentiment_score":0.08734943717718124},{"text":"Mhmm.","start":2395.9648,"end":2396.4648,"sentiment":"neutral","sentiment_score":0.05480935797095299},{"text":"Yep.","start":2407.6301,"end":2408.1301,"sentiment":"neutral","sentiment_score":0.06390001624822617},{"text":"Yeah.","start":2413.015,"end":2413.255,"sentiment":"neutral","sentiment_score":0.14090591669082642}],"sentiment":"neutral","sentiment_score":0.07357505204923012,"num_words":17,"start":2372.6702,"end":2413.255},{"sentences":[{"text":"Fantastic.","start":2413.255,"end":2413.755,"sentiment":"positive","sentiment_score":0.5477267503738403},{"text":"Sounds good.","start":2414.695,"end":2420.315,"sentiment":"neutral","sentiment_score":0.21309363096952438},{"text":"No.","start":2423.4949,"end":2423.575,"sentiment":"neutral","sentiment_score":-0.008559519425034523},{"text":"Thank you pretty much, Calvin Everland.","start":2423.575,"end":2425.355,"sentiment":"neutral","sentiment_score":0.1403232403099537},{"text":"Kids coming around for tea at home.","start":2433.92,"end":2435.94,"sentiment":"neutral","sentiment_score":0.26392573543957304}],"sentiment":"neutral","sentiment_score":0.21498671075438752,"num_words":17,"start":2413.255,"end":2435.94},{"sentences":[{"text":"Yeah.","start":2440.445,"end":2440.845,"sentiment":"neutral","sentiment_score":0.0163376834243536},{"text":"Yep.","start":2440.845,"end":2441.165,"sentiment":"neutral","sentiment_score":0.02123972773551941},{"text":"They're all my eldest is 40, and and the youngest, I think, is 20.","start":2441.165,"end":2448.545,"sentiment":"neutral","sentiment_score":0.038936669139989784},{"text":"Yep.","start":2450.125,"end":2450.625,"sentiment":"neutral","sentiment_score":0.03280816227197647},{"text":"I do.","start":2451.805,"end":2452.465,"sentiment":"neutral","sentiment_score":0.06629867479205132}],"sentiment":"neutral","sentiment_score":0.039373488998726794,"num_words":19,"start":2440.445,"end":2452.465},{"sentences":[{"text":"Yes.","start":2453.325,"end":2453.645,"sentiment":"neutral","sentiment_score":0.08598087728023529},{"text":"I do.","start":2453.645,"end":2454.305,"sentiment":"neutral","sentiment_score":0.12630216032266617},{"text":"No worries.","start":2477.015,"end":2477.755,"sentiment":"neutral","sentiment_score":0.2569556087255478},{"text":"Thank you.","start":2481.189,"end":2482.0088,"sentiment":"positive","sentiment_score":0.38378164172172546},{"text":"See you.","start":2482.0688,"end":2482.5588,"sentiment":"neutral","sentiment_score":0.2659333795309067}],"sentiment":"neutral","sentiment_score":0.2391029397646586,"num_words":9,"start":2453.325,"end":2482.5588},{"sentences":[{"text":"Bye.","start":2482.5588,"end":2483.0588,"sentiment":"neutral","sentiment_score":0.2162870466709137}],"sentiment":"neutral","sentiment_score":0.2162870466709137,"num_words":1,"start":2482.5588,"end":2483.0588}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Speaking.\n\nChannel 0: Hi, Ricky. It's Dana from OQ Financial. How are you this afternoon?\n\nChannel 1: Thank you.\n\nChannel 0: Oh, that's good. I had you booked in to go through a bit of an annual review today. Is now still a good time there for you?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Fantastic. Have you finished work for the day or still going?\n\nChannel 1: Yep. Still got a little bit to do, but, yeah,\n\nChannel 0: Yep.\n\nChannel 1: not\n\nChannel 0: That's\n\nChannel 1: too bad.\n\nChannel 0: okay. Not an issue. I'll try to keep it short and sweet as I can just to sort of touch on the things I need to touch on for you. Ricky, before we jump into the call, I do need 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: Mhmm. Definitely. Yep.\n\nChannel 0: Fantastic. And just to do security, we are discussing your personal information, so we are very security conscious. I'll just get you to confirm your full name, date of birth, and address I should have on file.\n\nChannel 1: Ricky Darren Antonovich.\n\nChannel 0: Yeah.\n\nChannel 1: 27th Of 5th 1967 And 40\n\nChannel 0: Yeah.\n\nChannel 1: 5 Midgen Road, Chattura.\n\nChannel 0: Wonderful. Thank you so much for that. Appreciate it. Ricky, I know you've been really busy the past few months, but how's everything kinda going for you?\n\nChannel 1: Yeah. Not too bad. Not too bad.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Work has been pretty full on.\n\nChannel 0: Yeah. Yeah. Fantastic.\n\nChannel 1: But yeah. No. It's all pretty good. Just got a letter the\n\nChannel 0: Are\n\nChannel 1: other\n\nChannel 0: you\n\nChannel 1: day to say sorry. Just\n\nChannel 0: yeah.\n\nChannel 1: got a letter the other day to say that you've been you've been trying to ring me, email me,\n\nChannel 0: Yes. I'm\n\nChannel 1: text\n\nChannel 0: so\n\nChannel 1: me,\n\nChannel 0: sorry.\n\nChannel 1: but I haven't got in hadn't haven't had anything.\n\nChannel 0: No. That's that's absolutely okay. It's not a problem. So sorry about that. What I wanna do today is do a bit of a review and maybe update the advice for you and look at what we're tracking and see if we can, you know, update everything for you and look at your goals further and look at what we're tracking for a time.\n\nBecause having you look at things, you originally wanted to access super at about age 67. Are you still sort of thinking that's your goal for when you wanna give up work?\n\nChannel 1: Still still looking at it. Look. At the end of the day, I'll still work to a degree,\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: Yeah.\n\nChannel 1: not\n\nChannel 0: Yeah.\n\nChannel 1: not five days a week.\n\nChannel 0: Yeah. Of course. Definitely. No. Not a problem at all.\n\nAnd what age would you sort of like to have the option to continue working part time casual or give up? Or what age would you sort of like that to be your\n\nChannel 1: While the\n\nChannel 0: goal\n\nChannel 1: body\n\nChannel 0: age to start\n\nChannel 1: while\n\nChannel 0: doing\n\nChannel 1: the body\n\nChannel 0: that?\n\nChannel 1: while the body lets me, I'll be doing it.\n\nChannel 0: Yeah. Oh, beautiful. Beautiful. Not a problem\n\nChannel 1: I'm\n\nChannel 0: at all.\n\nChannel 1: not I'm not going to the grave unused.\n\nChannel 0: No. No. That's okay. Everyone tells me you need to have a bit of a hobby when you get to those retirement years. Do you have anything you wanna do when you start\n\nChannel 1: Well,\n\nChannel 0: to slow down and\n\nChannel 1: we\n\nChannel 0: have a bit of free time?\n\nChannel 1: we bought a motor home, Gamba, twelve months ago. So\n\nChannel 0: Fantastic.\n\nChannel 1: we we plan on traveling and\n\nChannel 0: Yeah.\n\nChannel 1: yep.\n\nChannel 0: Fantastic. And, Modem, have you taken it out yet, or is that sort of what you wanna do moving forward?\n\nChannel 1: Short short trips, and we're\n\nChannel 0: Yeah.\n\nChannel 1: actually about to go four days.\n\nChannel 0: Fantastic.\n\nChannel 1: So, yeah, four days is as big a trip as as we can sort of fit in at the moment with holidays\n\nChannel 0: Yeah. Of\n\nChannel 1: and\n\nChannel 0: course.\n\nChannel 1: stuff for work and\n\nChannel 0: Yeah.\n\nChannel 1: work commitments for both of us. And but, you know,\n\nChannel 0: Yeah.\n\nChannel 1: we plan on planning on bigger trips and then go around Australia in a year or so.\n\nChannel 0: That's fantastic. That sounds amazing. Lovely. With the motor home, just having a bit of a look here. The asset value I had on that last time was about $162,000.\n\nIs that sort of the same, or would you alter that value in any way, do you think?\n\nChannel 1: No. It's pretty much the same. We've added a couple\n\nChannel 0: Yeah.\n\nChannel 1: of things to it, but yeah. No.\n\nChannel 0: Fantastic.\n\nChannel 1: I'll write that. Yep.\n\nChannel 0: Yeah. No. Fantastic. Excellent. Excellent.\n\nAnd just while I'm looking at your assets here, just the other things I've got noted. Your main primary residence, we had an asset value of about 800,000. What sort of value would you put on the property now do you think?\n\nChannel 1: Oh, it's hard to tell with what the government's doing. Similar, I guess. I just I haven't looked\n\nChannel 0: Yeah.\n\nChannel 1: at what the market is doing as far as\n\nChannel 0: Yeah.\n\nChannel 1: valuation. I'd I'd reckon to be a bit similar. I\n\nChannel 0: Yeah.\n\nChannel 1: think we\n\nChannel 0: That's\n\nChannel 1: what the\n\nChannel 0: okay.\n\nChannel 1: government's doing at the moment, but I don't think prices are going up very much.\n\nChannel 0: Oh, it's hard to tell, isn't it? I'll just have a quick look while I've got you on the phone. If you like, I can have a bit of a look at a couple of the the places that we can sort of see\n\nChannel 1: Yep.\n\nChannel 0: to see what sort of value they might put on there for you. With the mortgage and the property, just while I'm looking that up, I had a mortgage down of about 500,000. Have you been able to reduce that mortgage a little bit since we\n\nChannel 1: We\n\nChannel 0: last\n\nChannel 1: have\n\nChannel 0: caught\n\nChannel 1: a\n\nChannel 0: up?\n\nChannel 1: we have a little bit. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I know I haven't the wife takes care of all of that, and I haven't recently, but\n\nChannel 0: Yep.\n\nChannel 1: but it's we would have reduced it, but I thought how much I'm not sure.\n\nChannel 0: No. That's okay. I'm having a look. So the last time we were able to do this fact find was essentially say, this time last year, do you think it might have been just under that $500,000 mark, or did you want me just to note it as the same sort of $500,000 mark for the mortgage?\n\nChannel 1: If I hang on a\n\nChannel 0: That's okay. You're fine.\n\nChannel 1: sec. Hang on. I'm just just gonna look into my bank.\n\nChannel 0: You alright?\n\nChannel 1: 4597.\n\nChannel 0: Wow. Fantastic. Excellent. And just having a bit of a look at the valuations, it is sort of saying here rough valuations are around that sort of high 780,000 to 800,000 at the moment. So if you like, I can pop it down as about 800,000 valuation currently.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Fantastic. Excellent. I've also got down here your motorcycle. Do you still have that there?\n\nChannel 1: I do.\n\nChannel 0: Yeah. Fantastic. As a value on that one we had, Ralph, I submitted about 20,000 last year. Do you think you'd still value that to about the same?\n\nChannel 1: It's getting older, but to me, yeah, every bit of it.\n\nChannel 0: Yeah. Yeah. That's\n\nChannel 1: Realistically\n\nChannel 0: perfect.\n\nChannel 1: realistically, it probably decreases in value a little bit, I guess, as the older\n\nChannel 0: Yeah.\n\nChannel 1: it gets, but\n\nChannel 0: Yeah.\n\nChannel 1: because it's got customized rear end and all of that, yeah, I'd still put the value up there.\n\nChannel 0: Yeah. That's fine. That's not a problem at all. And I've also got your wife's car down here. I believe it's a RAV four, about 58,000.\n\nWould you just drop that down a little bit, do you think,\n\nChannel 1: Well,\n\nChannel 0: for the\n\nChannel 1: you'd\n\nChannel 0: moment?\n\nChannel 1: have\n\nChannel 0: Or, I\n\nChannel 1: to\n\nChannel 0: mean,\n\nChannel 1: you'd have to\n\nChannel 0: RAVs\n\nChannel 1: deal with another\n\nChannel 0: is still\n\nChannel 1: it's\n\nChannel 0: pretty\n\nChannel 1: another\n\nChannel 0: good?\n\nChannel 1: year older, basically. So, yeah,\n\nChannel 0: Yep.\n\nChannel 1: I'm\n\nChannel 0: That's\n\nChannel 1: not\n\nChannel 0: okay.\n\nChannel 1: sure.\n\nChannel 0: If I just drop it down to, say, 56,000, it probably wouldn't have dropped a great deal in value. There's still a a good car and still well wanted\n\nChannel 1: Yeah.\n\nChannel 0: out there.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. I've also got a Hilux here noted down for you as well. Do you still have that one?\n\nChannel 1: I do. That's okay. Yep.\n\nChannel 0: Yeah. Beautiful. Sounds like it's been going for a while.\n\nChannel 1: It's been gone for a long time. I hit a couple of kangaroos this year.\n\nChannel 0: Oh, wow. Wow. I tell you what, if it can take on some kangaroos and still survive, it's a good vehicle.\n\nChannel 1: Because\n\nChannel 0: Well, to keep on to.\n\nChannel 1: I've gotten a big one. I had a bull bar\n\nChannel 0: Yeah.\n\nChannel 1: on it thankfully.\n\nChannel 0: Oh, jeez. Wow. I've got a value on that of approximately 5,000. I know it's more just evaluation of what it would be to you, but would you keep it the same? Would you wanna try and get that for\n\nChannel 1: I wouldn't\n\nChannel 0: it if you had to sell it?\n\nChannel 1: with you probably not. Look. That's that's a guardian value.\n\nChannel 0: Yeah.\n\nChannel 1: Probably 3 and a half.\n\nChannel 0: Yeah. Beautiful. Not a problem at all. And I've also got down here your boat. You had a boat there with a value for about 2,000.\n\nDo you still have your boat?\n\nChannel 1: Yep. Boat and motor. Yep.\n\nChannel 0: Beautiful. And, I mean, your boat and motor, probably evaluation would be about the same, I would say.\n\nChannel 1: Yeah. They won't drop much. So it's yeah. You'd\n\nChannel 0: No.\n\nChannel 1: get to grand all day every\n\nChannel 0: Yeah.\n\nChannel 1: day.\n\nChannel 0: Nice. And have you got room on the motor home for the boat so you can take that with you?\n\nChannel 1: No. I won't be boating. But the four days\n\nChannel 0: No?\n\nChannel 1: we're going away now, we're going away jet boating and and\n\nChannel 0: Oh,\n\nChannel 1: yachting.\n\nChannel 0: fantastic. Oh, fantastic.\n\nChannel 1: So we you know, there's there's boating, and my mate's got a boat as well that\n\nChannel 0: Yeah.\n\nChannel 1: we fish down in the bay for a week every\n\nChannel 0: Yeah.\n\nChannel 1: year. So\n\nChannel 0: That's so awesome.\n\nChannel 1: so there's always\n\nChannel 0: That\n\nChannel 1: a boat\n\nChannel 0: is\n\nChannel 1: around\n\nChannel 0: fantastic.\n\nChannel 1: something.\n\nChannel 0: Yeah. Nice. I have it noted here that you did have about 28,000 in the redraw. Do you still have some money sitting in your redraw?\n\nChannel 1: We would. I'd have to get\n\nChannel 0: That's okay.\n\nChannel 1: I'm not quite sure what's in the redraw.\n\nChannel 0: That's alright. I can always\n\nChannel 1: Every\n\nChannel 0: just keep it at the same if you if you need.\n\nChannel 1: there is a this is always keeping it well up there.\n\nChannel 0: Yeah.\n\nChannel 1: I just don't see what it is. Yep.\n\nChannel 0: That's okay. We can leave that at no notice note as per last valuation. That's absolutely not a problem at all. She's a good exact missus of yours.\n\nChannel 1: She is.\n\nChannel 0: Beautiful. And work wise, you may have mentioned that you wanna take some time next year and do a trip around Australia. Are you still in the same role you have been? Are you still working, I believe, farm working as a supervisor?\n\nChannel 1: I'm a supervisor of the greenhouse. Yeah. Yep.\n\nChannel 0: Of a greenhouse? Beautiful. And it was growing tomatoes?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Fantastic. Income wise, we had you earning about 85,000 on a yearly basis. Has that gone up a little bit since we maybe, last caught up? You got a bit of a pay rise?\n\nChannel 1: Not really pay rise, but there there is overtime that comes in into play as well. On top of that, it just varies every year. But it's for the base. Yeah. ID is good.\n\nJust for the base.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. Not a problem at all. And I have it here that you were working approximately forty five hours a week. Is that still sort of the same, or have you been taking up more hours and doing more overtime? Or\n\nChannel 1: No. Forty five is pretty, yeah, pretty good at the moment. Been working\n\nChannel 0: yep.\n\nChannel 1: less of the overtime yet.\n\nChannel 0: Yep. Yep. Perfect. Excellent. And I've got down here that we were not making any additional contributions to super at the moment, and all of your money was kinda going into the mortgage at the time.\n\nChannel 1: Yep.\n\nChannel 0: Are you still finding that's the same scenario, or are you putting a bit of money away in savings at the moment specifically? Or\n\nChannel 1: Not for that. No. Still still going along with the phone. We just wanna knock that mortgage now.\n\nChannel 0: yeah. That's okay. So the goal is to have the mortgage down by, hopefully, retirement? Or\n\nChannel 1: Yeah. Yeah. Plus we've had two funerals this year\n\nChannel 0: Yep. Oh,\n\nChannel 1: and\n\nChannel 0: I'm so sorry.\n\nChannel 1: yeah. Mother and sister. And then we've had two weddings and three births. So we've had a bit going on as far as\n\nChannel 0: Wow.\n\nChannel 1: Payment. Payments on. Activities?\n\nChannel 0: Yes. Yes. You've had a lot going on. A lot of emotions this year.\n\nChannel 1: Yeah. Highs and lows. Just I'm sad\n\nChannel 0: Yeah.\n\nChannel 1: and some really happy, some really sad.\n\nChannel 0: Yeah.\n\nChannel 1: That's a loss.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: they\n\nChannel 0: Oh.\n\nChannel 1: all come in the lost.\n\nChannel 0: Oh, they absolutely do. Look, I'm 41 this year, and, honestly, I'm finding very similar scenario. It's it goes from you go to a wedding or a birth or something great happening, and then the next thing you know, someone's passed away that you've been known for years and years, you're going to a funeral or a wake or something. So\n\nChannel 1: Yeah.\n\nChannel 0: it does seem to be happening a lot lately, unfortunately. It's something we get a bit too used to as we get older.\n\nChannel 1: 80.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: Yeah. Yeah. Well, thank you very much for letting me know. I've got down here now because you sort of said your main goal is to try and knock the mortgage out as quickly as possible there, Are you wanting to maybe look at making additional contributions to super or you're happy just to have it ticking along with your employer contributions? What's the\n\nChannel 1: At\n\nChannel 0: sort\n\nChannel 1: the\n\nChannel 0: of\n\nChannel 1: moment,\n\nChannel 0: goal with your\n\nChannel 1: I think\n\nChannel 0: super?\n\nChannel 1: at the moment,\n\nChannel 0: Yep.\n\nChannel 1: I know a common sense is that doing that would be good, but at the moment,\n\nChannel 0: Yeah.\n\nChannel 1: that's something that wife and I haven't spoken about, and it's something I'd wanna talk to her about first.\n\nChannel 0: Okay. Yeah. That's that's absolutely fine.\n\nChannel 1: Something I've thought about over the years, just never really\n\nChannel 0: Yeah.\n\nChannel 1: done it. Yeah. I'd I'd have to talk to someone first on\n\nChannel 0: Yeah.\n\nChannel 1: that.\n\nChannel 0: Yeah.\n\nChannel 1: I'm gonna roll it out,\n\nChannel 0: No.\n\nChannel 1: but\n\nChannel 0: That's\n\nChannel 1: it's\n\nChannel 0: that's\n\nChannel 1: not.\n\nChannel 0: absolutely fine. What we can do is we can put that down as a future alternative or something we can look at down the track if you like. And when and if you decide you're comfortable looking into doing that, let me know at your end reviews and catch ups. We do just recheck-in with you to find out when and if that's something you want to look at.\n\nChannel 1: Yep.\n\nChannel 0: If\n\nChannel 1: Yep.\n\nChannel 0: you don't, that's absolutely fine. As you kinda tick along towards the age of 60 and beyond, there's some other cool strategies we can put in place where you do put more in the super, but we can also replenish your income back. So, you know, there's no obligation to do so at the moment, and there's some cool strategies we can put in place once you kinda hit that 60 years of age mark where, you know, we can boost your super in other ways as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. All good. Everything else looks like it's pretty well up to date. I just wanted to touch on the estate planning side of things here. So have you guys got a will done up?\n\nHave you ever talked about drawing up a will or sorry.\n\nChannel 1: We've we've talked\n\nChannel 0: That's\n\nChannel 1: about it multiple times. We know each\n\nChannel 0: yeah.\n\nChannel 1: other's wishes. But\n\nChannel 0: Yeah.\n\nChannel 1: given that Kel has three daughters and I have three daughters and it's sort of a split family collecting.\n\nChannel 0: Yeah.\n\nChannel 1: There's\n\nChannel 0: Yeah.\n\nChannel 1: always the potential that my wife's always nervous that one of my daughters might contest something and and give it a hard time. Should I go toes up overnight?\n\nChannel 0: Yeah.\n\nChannel 1: She it's quite possible she would have a battle on her hands as far as\n\nChannel 0: Yeah.\n\nChannel 1: a contested will or something. So we we talk about it all the time.\n\nChannel 0: Yep.\n\nChannel 1: We we should've and we haven't, but it's\n\nChannel 0: Mhmm.\n\nChannel 1: more poignant now, especially with the two funerals that we had this year. It\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: just brings it to the fore that, you know, it does happen. And you\n\nChannel 0: Yeah.\n\nChannel 1: haven't\n\nChannel 0: Absolutely.\n\nChannel 1: got any of the amount of time, and we we really we need to.\n\nChannel 0: Yeah. Absolutely. Absolutely. And, realistically, having if you were, you know, to pass away and you went you passed away in test day without having a will in place, everything is a lot harder. Not it not things whilst in legislation, technically, she'll go to your wife, not everything goes that way.\n\nAnd if you do pass away your intestate without a will in place,\n\nChannel 1: Yep.\n\nChannel 0: it does mean that other people can come forward and make a claim on your estate like your daughters or other family members that you may never spoken to or people from your past. And a judge does take things into account when they are making decisions, and us as advisers have seen estates go bad where they are intestate and where the wife thinks she's supposed to get everything and plan things that way, but other people take a claim. And if judge decides to pass pass things off to other members of the family, and they may not be in the wishes of the deceased person. So having a will is absolutely really important. It does mean even if a will is contested that a judge takes your circumstances and your wishes into play because you've set those wishes out prior to passing away.\n\nSo it is definitely something that's really important to do. If you like after the call, I could send you an email with some information on a local solicitor. It's a really good starting point. It has a\n\nChannel 1: Yep.\n\nChannel 0: bit of a cost based on how much they charge to draw up a will, do powers of attorney, and things like that.\n\nChannel 1: We\n\nChannel 0: And\n\nChannel 1: do\n\nChannel 0: just so you guys can look at it.\n\nChannel 1: we do have one that the white with wipes that I have used for some other things in the past, a person here in\n\nChannel 0: Yeah.\n\nChannel 1: Chepparton. And I think that that would be better because they should I be the first to go, then that would serve Cal really well. Certainly,\n\nChannel 0: Yeah.\n\nChannel 1: send the email. We can have a look at it,\n\nChannel 0: Yeah.\n\nChannel 1: and it'll serve as\n\nChannel 0: Absolutely.\n\nChannel 1: a reminder for me to talk to Cal about it again as well.\n\nChannel 0: Yeah. Absolutely. No. Not a problem, Adele. That's definitely something I always also suggest is if you do have a solicitor you're comfortable talking to and knows your family in your local area, it is always easier to do Will that way just because they can kind of make sure that they're accounting for people and, you know, that everything is it's always easy to do things in person as well, having everything notarized and put into place.\n\nSo but I'll happily send the email for you to give you a bit of extra information there. And, yes, speak to your local solicitor and have that drawn up. It is definitely an investment in yourself, which is really important. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. And with your super beneficiaries, just checking those as well, I do have Kelly down as your spouse a 100% on your super.\n\nChannel 1: Yes.\n\nChannel 0: Colonial First State, our authority has expired there. So I'm gonna get the team to send you out a new authority if you can sign that and return it back, and we'll double check that the beneficiaries applied there are correct as well. But your beneficiary nomination on your super here is accurate as to your wishes. So in the event of passing, Kelly does receive everything.\n\nChannel 1: Yep.\n\nChannel 0: The good thing with this beneficiary is it's a binding, nonlapsing one as well. So it means you've signed the form. You don't have to revoke or change that nomination unless your wish is changed, which is a positive. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Excellent. Another thing I do like to sort of point out as well is just letting Kelly know that in the event that something was to happen, that we are your financial advisers. So she can call us, and we can help her to go through the claims process and help the FDAs with the insurer to make sure everything is processed nice and easily for her as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. Excellent. Well, thank you for updating all of your circumstances there. Now just to give you a bit of an update, you're probably curious about what your super has been doing.\n\nHow do you log in to hub very often or look at your super?\n\nChannel 1: I don't. I don't, to be\n\nChannel 0: No?\n\nChannel 1: honest.\n\nChannel 0: That's\n\nChannel 1: Alright. I\n\nChannel 0: okay.\n\nChannel 1: am a kind of skink.\n\nChannel 0: No. That's absolutely fine, honestly. To have a bit of a look now, I did have a look. Your balance last year in May within Hub 24 was 168,416 and 64¢.\n\nChannel 1: Mhmm.\n\nChannel 0: Your balance in your super fund as of today's date, sorry, is a 177,930 and 61¢ there. So it has definitely increased in value. That does give you it's what's been happening in the markets within the world generally and the ups and downs we've seen over the last few months there. You have come out with a positive return. It is a 4.19% return net of fees.\n\nSo it is lower than we'd sort of expect for what you're in at the moment, but it is a positive return, so it is good for the year. I've just sort of had a bit of a look at your portfolio as well, and I can see there are maybe some changes we should make to it to the investments there as well. It looks like one of your underlying investments have been along Australian equities. That one there looks like it has been underperforming a little bit for the last few months there. Normally, we'd sort of not wanna sell off an investment, but with what's happening within the investment as a whole, it is making it not worth keeping.\n\nAnd I would like to sort of see us remove investments that are underperforming for you and reinvest the money and make sure that those investments are working harder. Would you like me to maybe go back and reevaluate the portfolio and maybe make some recommendations and update the advice for you?\n\nChannel 1: Yeah. For sure.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. To give you a little bit of an idea, now Bennelong was originally put in there as more of an actively managed investment. An active manager is supposed to try and outperform against the market all the index that they're tracking.\n\nChannel 1: Yep.\n\nChannel 0: Because Bennelong haven't been able to do that, we do wanna look at removing them. But because you are getting closer to the age of 60, you know, you are getting closer to being able to access super in the event that you you you decided to not work or you're unable to work,\n\nChannel 1: Mhmm.\n\nChannel 0: did you want me to maybe look at something a bit more passively managed a bit cheaper to put in its place, or did you want some more active management in there?\n\nChannel 1: What would you\n\nChannel 0: In my honest opinion, when we're getting a little bit older, when we are kind of in our late fifties and early sixties, it does become a bit more about risk mitigation. So trying to lower the overall risk of the portfolio, maybe saving a bit on investment fees as well and having more money retained in the portfolio compounding.\n\nChannel 1: Mhmm.\n\nChannel 0: So I'd be more inclined to go that passive manner, look at something a bit low risk for you, a bit low cost, but it is up to you at the same time, Ricky.\n\nChannel 1: So the returns, though, wanting something like that, I don't know. Usually, it's great, are they?\n\nChannel 0: Oh, not necessarily. So returns on passively managed funds can actually outperform against the market over the longer term much more than active managers can.\n\nChannel 1: Okay.\n\nChannel 0: The main difference is active managers are buying and selling, trying to pick the tops and the bottoms of the market, trying to find when to get into certain investments, and that's how they're trying to outperform against the market. Whereas actively managed funds like index funds, you're essentially tracking an index and participating in the market and just doing what the market does. And more often than not, you can actually outperform a lot better or get greater returns just by participating in the market than active managers do.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. No worries at all. That's thanks a lot. It's a way to\n\nChannel 0: Yeah.\n\nChannel 1: go then. It's a bit safer,\n\nChannel 0: Excellent.\n\nChannel 1: and if the returns are there, that's even better.\n\nChannel 0: Yeah. Well, I'll go and have a look at the options. We do have a couple of options that I've been looking at to replace those investments passively for a lot of my older clients. So I can have a look at what's low cost, look at what's been performing better for you, and also sorta keep you on track for your retirement there. Okay.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: Beautiful. Excellent. Now the other thing to sorta give you an update on is the insurance side of things. So I know we had retained Colonial First State. I do need to update the research with them, but the last sort of information I have here was that the life in TPD, in the event of passing, your life cover was with a sum insured of 568,000, and you have the same level of TPD.\n\nWhat was your goal with your life cover if something was to happen? What was it that you realistically wanted that to cover and pay out for you?\n\nChannel 1: Look after Cal, basically.\n\nChannel 0: Yeah.\n\nChannel 1: Pay up the debts.\n\nChannel 0: Yep.\n\nChannel 1: And I would, you know, potentially leave Kel with basically, even with Super as a as a as a thing,\n\nChannel 0: Mhmm.\n\nChannel 1: it's I know a lot of people wanna use it retirement, whatever. So I think it's a fail safe for Cal. If I do fall ill and whatever and pass away, that's my concern\n\nChannel 0: Yep.\n\nChannel 1: to go straight to to Cal to look after\n\nChannel 0: Yep. Yep.\n\nChannel 1: Cal. Yeah. Obviously, we've got a $450, mileage,\n\nChannel 0: Yeah.\n\nChannel 1: but something like that would not straight off the top of it. So, you know, I know\n\nChannel 0: Yeah.\n\nChannel 1: she's right. She could\n\nChannel 0: Yeah.\n\nChannel 1: either she could either maintain or keep the property, sell it, walk away with money, whatever my main\n\nChannel 0: Mhmm.\n\nChannel 1: priority is to to\n\nChannel 0: Looking after her.\n\nChannel 1: she's alright. And then, you know, we we do pay off the mortgage or whatever, then basically, we'll see\n\nChannel 0: Yep.\n\nChannel 1: again my kids split up\n\nChannel 0: Yeah.\n\nChannel 1: or we use it\n\nChannel 0: Yep.\n\nChannel 1: for traveling or in the trailer or anything like that.\n\nChannel 0: Absolutely. No. Definitely. So with the current value that I can see here, essentially, that would cover the cost of the mortgage. And then with your super balance paid out from Colonial First Day and Hub twenty four, that's another I know I need to update the Colonial First State balance here in front of me, but I had about 21 last year, so it's probably almost double that now.\n\nSo the $1.77 plus, say, another 20 or 30,000 on top of that would give her an extra buffer an extra buffer to sort of take some time off and and look at what she wants to do moving forward. Do you feel that's fairly comfortable with that level? Yes.\n\nChannel 1: Yes. I\n\nChannel 0: Yes.\n\nChannel 1: gotta be careful\n\nChannel 0: Beautiful.\n\nChannel 1: I gotta be careful with the insurance as well. You you did notice that we we never renewed it. And the reason is I broke my back two, three years ago.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: And that's current level is I'm still insured at that. If I redid it, it would be a whole different scenario.\n\nChannel 0: Oh, absolutely. Yeah. Yeah. So the cover you'd have within Colonial First State is definitely more group cover. It's a lot cheaper if you were to try and get more cover now with your current injuries.\n\nThere would be exclusions, possible loadings, and the cover would be a lot more expensive than what you're paying in Colonial as well.\n\nChannel 1: Exactly.\n\nChannel 0: So,\n\nChannel 1: No. It's I was 80. It's just the main time that but we'll\n\nChannel 0: yes,\n\nChannel 1: cover the original\n\nChannel 0: absolutely.\n\nChannel 1: one.\n\nChannel 0: Yeah. And I would more than happily keep that going the way it is for you. Keeping the cover you have now with no exclusions or loadings is definitely better than having exclusions or loadings down the track, especially with where you are and with what the load the exclusion would be with your back and what\n\nChannel 1: Yep.\n\nChannel 0: you do for like, you're probably more likely to claim for back injuries. So yeah. No. Definitely. With your total permanent disability cover, you do have the same sum insured as your life cover.\n\nAre you happy to retain that you're not wanting to look at anything additional down the track or alter that level?\n\nChannel 1: Nothing. Not really.\n\nChannel 0: No. That's okay. And with your income protection there, it's a essentially, currently, with what I have in front of me here showing a monthly benefit, if in the event you are unable to work, this is pretax of $3,727.74 on a monthly basis. I know getting new income protection in your late fifties is extremely expensive, and because you've had that past injury, there are loadings and impossible exclusions that sort of factor in.\n\nChannel 1: Yep.\n\nChannel 0: But pretax, like, I mean, if you were to say get $3,000 a month, would that sort of cover some of your monthly expenditure? Do you have enough to sort of fall back on in the rate draw to to act as a buffer with the income protection benefit?\n\nChannel 1: $3 a month.\n\nChannel 0: Yeah. It's small.\n\nChannel 1: Yeah. It's probably a bit lower than\n\nChannel 0: Yeah. Does\n\nChannel 1: Okay.\n\nChannel 0: does Kelly work as well?\n\nChannel 1: Okay. She\n\nChannel 0: She\n\nChannel 1: doesn't see. Yep.\n\nChannel 0: does work? Yeah.\n\nChannel 1: She doesn't see this.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: so her income could still be coming in as well. Do you think that $3 plus anything in your age order cover you and maybe her income would be sufficient? Or\n\nChannel 1: That was that was the part. Yeah.\n\nChannel 0: that would suffice? Yeah. Perfect.\n\nChannel 1: That was the part.\n\nChannel 0: Yeah. It is tough. I know looking at new income protection would probably be the better way to go, but it would be expensive and there would be exclusions given your current, you know, your previous injuries there. So it would be very expensive to look into new cover. So if we can find a way to certainly help you, we would.\n\nWith the the other thing is if once you hit 60, if you're unable to go back to work again because you have an injury or illness,\n\nChannel 1: Yep.\n\nChannel 0: we can actually get you access to your super as well. So there is a kind of a buffer there if anything was to happen after you turn 60. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: And having a look at things at the moment, you're 59 this year.\n\nChannel 1: Good\n\nChannel 0: Today.\n\nChannel 1: night.\n\nChannel 0: Today. Happy\n\nChannel 1: Thank\n\nChannel 0: birthday. I'm so sorry we're\n\nChannel 1: you.\n\nChannel 0: doing it on your birthday on your birthday.\n\nChannel 1: So good. So good.\n\nChannel 0: Wow. I'm so sorry. I didn't even look at the date properly. I was like, wow. How terrible am I?\n\nI'm so oh, happy birthday. 59. So look. If you can get through this year with the insurance cover you have, next year, there could be a point where we're able to consolidate. You may not need to have insurances after that point.\n\nIt's\n\nChannel 1: Yep.\n\nChannel 0: just about looking at what your debt levels are and what we can do to sort of help you down the track there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So I'll look to retain the cover you have in Colonial First Day. I'll get my team to send out a new authority to collect. We'll get you to sign and return that back for us so we can seek and make sure we have everything updated there.\n\nI will also, after the call, just send out the will information for you just as a talking point.\n\nChannel 1: Yep.\n\nChannel 0: I don't expect in any way that you'll wanna take up the speak to the solicitors, but it gives you a bit of a talking point and a bit of a costing to compare against. And if it's okay, we do also need to get an updated copy of your driver's license. It looks like it has expired on file, and it is really important that us and your super funds do have an updated copy of your driver's license\n\nChannel 1: Yep.\n\nChannel 0: for identification. So I'll just get you to email me back a copy of that if you can. Or is it better if I get someone to text you? What's easier for you?\n\nChannel 1: Either way, text is fine. Do that, and I'll\n\nChannel 0: Yep.\n\nChannel 1: take a take a photo and send it through.\n\nChannel 0: Beautiful. Beautiful. Now you've had a really good return there. I'm having a bit of look at your portfolio, and we're gonna look at retaining the insurances. I'll also do some research on Colonial First State and see how those investments are working for you over there.\n\nMaybe as part of the advice, we'll look to update things that way for you. With your portfolio in Super, you are in a balanced growth environment. So when you sort of consider the risk level out of, say, five, you're in a bit of a three there. So we it's in between sort of a two and a three, realistically. You're kind of middle of the range there, so you generally see 70% of your super invest in growth assets.\n\nThat's things like Australian shares, international shares, listed property, and commodities, and then the other 30% invested in defensive assets, the cash, bonds, and fixed interest there. With this balance growth sort of area, you realistically can expect a negative return, say, one in every four to five years. And, realistically, we're sort of chasing returns of around about sort of six to 7% on a yearly basis depending on what the market does. And you can be invested in this portfolio when you're sort of about five years away from wanting to access so far. So that's the general time horizon that we're sort of expecting for this investment portfolio here.\n\nSo, realistically, with your goal of 67, you definitely have that time horizon. Even if you were, say, wanting to try and access some of your super or slow down at 65, you still kinda have that time horizon there ahead of you.\n\nChannel 1: Yep.\n\nChannel 0: Do you feel like that's probably a good goal, tracking forward around '65 to sixty seven to slow down, or would you wanna kinda slow down a little earlier than that?\n\nChannel 1: No. No. I didn't write in before that.\n\nChannel 0: No. That's okay. That's not a problem at all. So we'll say we've got about sort of five to six to seven years ahead of us there. Beautiful.\n\nIf you with what's happening in the market at the moment, I don't know if you watch the news on a regular basis, but with what has been happening.\n\nChannel 1: Hey,\n\nChannel 0: There's\n\nChannel 1: Alex.\n\nChannel 0: been a\n\nChannel 1: How\n\nChannel 0: lot\n\nChannel 1: are you\n\nChannel 0: going\n\nChannel 1: doing?\n\nChannel 0: on.\n\nChannel 1: Hey.\n\nChannel 0: If you if we sort of did see this will continue for a bit longer, if we did see a lot of, you know, short term volatility moving forward and say your portfolio dropped by, say, 10 or 20% over the course of the next year. Because you're not wanting to access super, you have time on your side to allow it to kinda go through the motions and come back before you actually actually taking your super. But how do you\n\nChannel 1: Mhmm.\n\nChannel 0: think that kind of a job might make you feel? Do you think you'd be wanting to call and find out what's happening? Are you a bit concerned, or are you just\n\nChannel 1: Yes.\n\nChannel 0: not really worried? You're not taking money out just yet? How do you think you might\n\nChannel 1: I'll take\n\nChannel 0: feel?\n\nChannel 1: the money here yet, but it's always.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Obviously, over this over the years, I've dropped with global financial things. I've dropped\n\nChannel 0: Yeah.\n\nChannel 1: money here and there at times, and it's always\n\nChannel 0: Yep.\n\nChannel 1: a big\n\nChannel 0: Yep.\n\nChannel 1: concern, especially now, as you said, getting older. So it's\n\nChannel 0: Yeah.\n\nChannel 1: always a concern and what the government's doing. You just don't know what's happening.\n\nChannel 0: Yeah. Yeah. Absolutely. Absolutely. When you think about the sort of returns you're chasing on a yearly basis from your super, are you sort of chasing the highest returns you can, or are you fairly comfortable taking a moderate amount of risk and maybe getting returns of, say, six to eight, four to six, or two to 4% on a yearly basis moving forward?\n\nChannel 1: Yep. The motorist. Yep.\n\nChannel 0: The moderate? Yeah. Do you think\n\nChannel 1: Yep.\n\nChannel 0: you'd be comfortable with, say, six to 8% per year, four to 6% per year, two to four\n\nChannel 1: Yep.\n\nChannel 0: percent per year? What's your comfort level?\n\nChannel 1: I would be. Yep. Six, seven, to 10.\n\nChannel 0: Yep. Yep. Yep. Yeah. Perfect.\n\nPerfect. And I've got down here sort of looking at the way things are. You're getting a bit older. I'd sort of say that if markets did take a bit of a dip, whilst you're not accessing to for the moment, you'd feel a bit cautious about that. Am I right in sort of a bit cautious\n\nChannel 1: Yep.\n\nChannel 0: or concerned about what's\n\nChannel 1: Yep.\n\nChannel 0: happening? Yeah. Yeah. Beautiful. Lovely.\n\nAnd the last question here is have you ever thought about taking out a loan in order to invest in shares or manage funds? I'm sort of taking no for that one. Just\n\nChannel 1: Yep.\n\nChannel 0: checking.\n\nChannel 1: Yep. No.\n\nChannel 0: And you've only ever wanted to borrow. You've got your main primary residence there, not looking to borrow for anything else in the future?\n\nChannel 1: No. The only thing we could do a couple of reno's. We're both\n\nChannel 0: Yeah.\n\nChannel 1: get to the\n\nChannel 0: Yep.\n\nChannel 1: bathroom and there's a little bit outside, but\n\nChannel 0: Yep.\n\nChannel 1: we're having just to\n\nChannel 0: That's\n\nChannel 1: do that\n\nChannel 0: okay.\n\nChannel 1: on top on on the side. But really nothing else that we use to\n\nChannel 0: Yep.\n\nChannel 1: do that. Oh.\n\nChannel 0: No. Of course.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. All good, Ricky. Well, you have scored there in that risk profile questionnaire as a moderate investor. So that balanced growth portfolio does realistically suit your time horizon with where you're at. Are you fairly comfortable staying with that sort of seventy thirty asset allocation, or did you wanna maybe look at reducing it a bit further and maybe stepping down a risk level?\n\nHow do you sort of feel?\n\nChannel 1: No. I ain't comfortable with it. But, again, pretty volatile for these guys.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: It's hard to say. Could've should've order.\n\nChannel 0: Well, yeah. I mean, the other option is if you like, because I could always drop you down one level, more to the balance sort of area, which is you kinda go from that 70% in growth assets to about 60%. So it is more of just a slight drop down, about a 10% drop in those growth investments. You bring up your defensive by\n\nChannel 1: Yep.\n\nChannel 0: that 10% area. The expected return we're kinda chasing is around about five to 7% with this, so a bit lower than where we would be expecting in the balanced growth portfolio. And this sort of portfolio, the balanced area sort of suits someone who's about three years away from accessing super. And the likelihood of a negative return is more one in seven years. So you are taking a bit less risk in the market, seeing a little bit less volatility.\n\nBeing really open and honest, you are dropping risk that way, so the returns are expected drop a little bit. However, your 4% for this year is a bit low for all the portfolios. It's just that the volatility that's been going on globally with the war in Iran and The US as well as the high inflation we're seeing here. But it really is up to you as well. If you wanted, you could stay in the balanced growth environment for maybe another sort of six to twelve months.\n\nWe could catch up in six months and see how you're feeling about things and maybe look at adjusting it then. It's honestly up to you.\n\nChannel 1: I kinda like Better ID. Yep.\n\nChannel 0: Yep. Yep. Perfect. The\n\nChannel 1: What\n\nChannel 0: other\n\nChannel 1: would\n\nChannel 0: sort of thing I like to think about is if you're not making additional contributions to super, we wanna make the ones that you are making work a bit harder. So sticking to that\n\nChannel 1: Yep.\n\nChannel 0: for six months, you can always ring me and tell me you're not comfortable, and we can always reevaluate that.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Excellent. So what I'll do, I'll go back and do some research around the balance growth environment. I'll look at what you've got, adjust and update the advice there for you. We'll go through that together, and you can tell me what your thoughts are around the advice I'm providing.\n\nBecause you are closer to accessing super, I can also factor in to a limited scope sort of the retirement aspect, so you can sort of see where you might be tracking for at the moment just to give you a bit of an idea. Tracking for at\n\nChannel 1: Mhmm.\n\nChannel 0: the moment just to give you a bit of an idea. We did have originally, you were kind of wanting to access when you access super draw down income about a thousand dollars a week. Is that sort of what you're thinking you'd be tracking for at the moment, or did you wanna alter that goal a little bit? No. That's good.\n\nExcellent. And other goals I had down here from the past, you noted that you wanted to finish tackling the renovations. You've made mention you've got some more renovations to do. You still still have those as a a lot medium term goal?\n\nChannel 1: Yeah. We do. We're hoping to be\n\nChannel 0: Yep.\n\nChannel 1: able to do that. We're hoping to be able to just come up with the money and just do that without\n\nChannel 0: Yep.\n\nChannel 1: the bank alone or anything of that nature.\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: I'm lucky I can do most of the work myself.\n\nChannel 0: Yeah. Nice.\n\nChannel 1: So I won't quit, but it's always costly.\n\nChannel 0: Yeah. No. Absolutely. Other than that, I had down here that you're, again, just wanting to pay down the mortgage as much as possible. Essentially, it was over the next five years.\n\nThat was sort of last year there. So you still from what we've discussed, it was still got that goal to reduce the mortgage as much as possible. Sorry. And then utilizing the motor home was the other thing we had noted down here and taking some travels, and this four days away sounds amazing.\n\nChannel 1: Yes. It's just the smaller the smallest sort of bites at the moment, but\n\nChannel 0: Yeah.\n\nChannel 1: the bigger ones will come.\n\nChannel 0: Yeah. Absolutely. No. Perfect. Fantastic.\n\nThe only other thing to let you know is we'll send out an annual review pack to you shortly. You do pay for our services and keeping us with your advisers and updating the advice. We do charge an ongoing service fee just to kinda go through and make sure you're fully aware of that. It is 1.65% per annum. That 4% I gave you as a positive return was net of our fee as well.\n\nSo we always wanna make sure that your super is making the 1.65% for the year and then additional growth on top of that. And with our ongoing service fee, it fluctuates the market. So because it's a percentage based fee, that 1.65% is per annum. So then it's deducted in smaller monthly increments out of your super in smaller amounts, and our fee fluctuates with the market. So when the market's doing really well, our fee is gonna be slightly higher.\n\nHowever, when the market does take a bit of a dip, it means that our fee takes a bit of a dip there with it as well. So just to make sure we're fully across everything for you. We'll also have those reports. I'll have an updated super balance with your Colonial First State and Hub twenty four in there for you, and also the reports I went through with regards to your Hub twenty four super, the returns, and the portfolio, and how that's been tracking. My team also did put our financial services guide in there for you, which outlines everything about who we are, what we do, how we do it.\n\nHas a lovely picture of me in there for you if you wanna see what\n\nChannel 1: No.\n\nChannel 0: I look like.\n\nChannel 1: No worries. We could set\n\nChannel 0: And as\n\nChannel 1: you\n\nChannel 0: I'm\n\nChannel 1: sound a lot younger than you said you were.\n\nChannel 0: thank you. Thank you. I'll take it. And, honestly, it's also got my registration in there for you as well because I am a full licensed adviser. So I\n\nChannel 1: Yep.\n\nChannel 0: do like to, you know, make sure you're aware I am licensed. My license number is in there. It's 1304394. So if you ever wanted to look me up, you absolutely can.\n\nChannel 1: Mhmm.\n\nChannel 0: And in the meantime, we'll get that sent out to you. It'll come through via email if you can sign and return it back. I'll send the other email for you as well, and I'll get the team to send you a text just asking for your ID shortly. And\n\nChannel 1: Yep.\n\nChannel 0: then I'll get stuck into some research for you, and I'll find out what's going on and update the advice for you. Okay?\n\nChannel 1: Yeah. Fantastic.\n\nChannel 0: Beautiful.\n\nChannel 1: Sounds\n\nChannel 0: Is there anything I haven't touched on that you maybe wanted touch on with regard to your super or\n\nChannel 1: good.\n\nChannel 0: anything of our services or your review?\n\nChannel 1: No. Thank you pretty much, Calvin Everland.\n\nChannel 0: Oh, fantastic. Well, thank you so much. Look. I will let you go. Enjoy your birthday.\n\nI hope you're going out for dinner or doing something fun.\n\nChannel 1: Kids coming around for tea at home.\n\nChannel 0: Oh, that's beautiful. Are they all left home? They're all older now?\n\nChannel 1: Yeah. Yep. They're all\n\nChannel 0: Yep.\n\nChannel 1: my eldest is 40, and\n\nChannel 0: Wow.\n\nChannel 1: and the youngest, I think, is 20. Yep.\n\nChannel 0: Wow. They grow\n\nChannel 1: I\n\nChannel 0: up\n\nChannel 1: do.\n\nChannel 0: so fast.\n\nChannel 1: Yes. I do.\n\nChannel 0: All good, Ricky. Look. Thank you so much for taking my call. I really appreciate it. I'll update the advice and make sure we touch base in six months, and I'll do get all those other emails and things together for you.\n\nIf you have any questions in the meantime or feel there's something we didn't touch on or want me to follow-up on anything, please let me know. I'm always here and happy to help. Okay?\n\nChannel 1: No worries.\n\nChannel 0: Thank you so much for your time. You enjoy your night.\n\nChannel 1: Thank you. See you. Bye.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.64,"sentiment":"neutral","sentiment_score":0.05401875823736191},{"text":"Speaking.","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.05231967940926552}],"sentiment":"neutral","sentiment_score":0.05316921882331371,"channel":1,"num_words":2,"start":0.48,"end":1.14},{"sentences":[{"text":"Hi, Ricky.","start":2.24,"end":2.8,"sentiment":"neutral","sentiment_score":0.2241208404302597},{"text":"It's Dana from OQ Financial.","start":2.8,"end":4.42,"sentiment":"neutral","sentiment_score":0.23298478722572327},{"text":"How are you this afternoon?","start":4.48,"end":5.7,"sentiment":"neutral","sentiment_score":0.32055323719978335}],"sentiment":"neutral","sentiment_score":0.26799431691567105,"channel":0,"num_words":12,"start":2.24,"end":5.7},{"sentences":[{"text":"Thank 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you?","start":11.92,"end":13.94,"sentiment":"positive","sentiment_score":0.36482376522488064}],"sentiment":"positive","sentiment_score":0.4167461891969045,"channel":0,"num_words":27,"start":7.44,"end":13.94},{"sentences":[{"text":"Yep.","start":14.0,"end":14.415,"sentiment":"neutral","sentiment_score":0.1194959506392479}],"sentiment":"neutral","sentiment_score":0.1194959506392479,"channel":1,"num_words":1,"start":14.0,"end":14.415},{"sentences":[{"text":"Yeah.","start":15.285,"end":15.785,"sentiment":"neutral","sentiment_score":0.23538556694984436},{"text":"Fantastic.","start":15.925,"end":16.425,"sentiment":"positive","sentiment_score":0.5045473575592041},{"text":"Have you finished work for the day or still going?","start":16.805,"end":19.065,"sentiment":"neutral","sentiment_score":0.22037555575370787}],"sentiment":"neutral","sentiment_score":0.24530737350384393,"channel":0,"num_words":12,"start":15.285,"end":19.065},{"sentences":[{"text":"Yep.","start":19.295,"end":19.695,"sentiment":"neutral","sentiment_score":0.049759358167648315},{"text":"Still got a little bit to do, but, 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that?","start":35.04,"end":37.3,"sentiment":"neutral","sentiment_score":0.08687714735666911}],"sentiment":"neutral","sentiment_score":0.09183552843474206,"channel":0,"num_words":63,"start":23.205,"end":37.3},{"sentences":[{"text":"Mhmm.","start":37.27,"end":37.35,"sentiment":"neutral","sentiment_score":0.026959747076034542},{"text":"Definitely.","start":37.35,"end":37.85,"sentiment":"neutral","sentiment_score":0.1312396228313446},{"text":"Yep.","start":38.15,"end":38.65,"sentiment":"neutral","sentiment_score":0.2354709357023239}],"sentiment":"neutral","sentiment_score":0.13122343520323435,"channel":1,"num_words":3,"start":37.27,"end":38.65},{"sentences":[{"text":"Fantastic.","start":38.88,"end":39.38,"sentiment":"positive","sentiment_score":0.5391010642051697},{"text":"And just to do security, we are discussing your personal information, so we are very security conscious.","start":39.52,"end":44.115,"sentiment":"neutral","sentiment_score":0.16618437144686193},{"text":"I'll just get you to confirm your full name, date of birth, and address I should have on file.","start":44.115,"end":48.135,"sentiment":"neutral","sentiment_score":0.13933057847775912}],"sentiment":"neutral","sentiment_score":0.16247341540214177,"channel":0,"num_words":37,"start":38.88,"end":48.135},{"sentences":[{"text":"Ricky Darren Antonovich.","start":48.375,"end":49.675,"sentiment":"neutral","sentiment_score":0.01953958844145139}],"sentiment":"neutral","sentiment_score":0.01953958844145139,"channel":1,"num_words":3,"start":48.375,"end":49.675},{"sentences":[{"text":"Yeah.","start":50.595,"end":51.095,"sentiment":"neutral","sentiment_score":0.014346526935696602}],"sentiment":"neutral","sentiment_score":0.014346526935696602,"channel":0,"num_words":1,"start":50.595,"end":51.095},{"sentences":[{"text":"27th Of 5th 1967 And 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I haven't got in hadn't haven't had anything.","start":81.635,"end":83.975,"sentiment":"neutral","sentiment_score":-0.1081600437561671}],"sentiment":"neutral","sentiment_score":-0.1081600437561671,"channel":1,"num_words":9,"start":81.635,"end":83.975},{"sentences":[{"text":"No.","start":84.72,"end":84.96,"sentiment":"neutral","sentiment_score":-0.0779600739479065},{"text":"That's that's absolutely okay.","start":84.96,"end":86.64,"sentiment":"neutral","sentiment_score":0.10338992765173316},{"text":"It's not a problem.","start":86.64,"end":87.439995,"sentiment":"neutral","sentiment_score":0.10088128037750721},{"text":"So sorry about that.","start":87.439995,"end":88.74,"sentiment":"neutral","sentiment_score":-0.1637482400983572},{"text":"What I wanna do today is do a bit of a review and maybe update the advice for you and look at what we're tracking and see if we can, you know, update everything for you and look at your goals further and look at what we're tracking for a time.","start":88.88,"end":99.735,"sentiment":"neutral","sentiment_score":0.0825963094830513}],"sentiment":"neutral","sentiment_score":0.06713349345955066,"channel":0,"num_words":64,"start":84.72,"end":99.735},{"sentences":[{"text":"Because having you look at things, you originally wanted to access super at about age 67.","start":99.735,"end":104.534996,"sentiment":"neutral","sentiment_score":0.005894078873097897},{"text":"Are you still sort of thinking that's your goal for when you wanna give up work?","start":104.534996,"end":107.755,"sentiment":"neutral","sentiment_score":-0.009170236749923788}],"sentiment":"neutral","sentiment_score":-0.0016380789384129457,"channel":0,"num_words":32,"start":99.735,"end":107.755},{"sentences":[{"text":"Still still looking at it.","start":108.465,"end":109.744995,"sentiment":"neutral","sentiment_score":0.0005213659256696701},{"text":"Look.","start":109.744995,"end":109.905,"sentiment":"neutral","sentiment_score":0.012279331684112549},{"text":"At the 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that everything is it's always easy to do things in person as well, having everything notarized and put into place.","start":964.70496,"end":984.075,"sentiment":"neutral","sentiment_score":0.32556497358100517}],"sentiment":"neutral","sentiment_score":0.3235113129783899,"channel":0,"num_words":78,"start":961.82495,"end":984.075},{"sentences":[{"text":"So but I'll happily send the email for you to give you a bit of extra information there.","start":984.075,"end":989.055,"sentiment":"positive","sentiment_score":0.44715894261995953},{"text":"And, yes, speak to your local solicitor and have that drawn up.","start":989.195,"end":992.37,"sentiment":"neutral","sentiment_score":0.30697434147198993},{"text":"It is definitely an investment in yourself, which is really 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super.","start":999.33,"end":1006.63,"sentiment":"neutral","sentiment_score":0.3011337311371513}],"sentiment":"neutral","sentiment_score":0.3136837308605512,"channel":0,"num_words":24,"start":998.77,"end":1006.63},{"sentences":[{"text":"Yes.","start":1007.11,"end":1007.61,"sentiment":"neutral","sentiment_score":0.1776537299156189}],"sentiment":"neutral","sentiment_score":0.1776537299156189,"channel":1,"num_words":1,"start":1007.11,"end":1007.61},{"sentences":[{"text":"Colonial First State, our authority has expired there.","start":1007.26495,"end":1010.785,"sentiment":"neutral","sentiment_score":0.09871930675581098},{"text":"So I'm gonna get the team to send you out a new authority if you can sign that and return it back, and we'll double check that the beneficiaries applied there are correct as well.","start":1010.785,"end":1018.88495,"sentiment":"neutral","sentiment_score":0.2372143783739635},{"text":"But your beneficiary nomination on your super here is accurate as to your wishes.","start":1019.25,"end":1023.57,"sentiment":"neutral","sentiment_score":0.30057767991508755},{"text":"So in the event of passing, Kelly does receive everything.","start":1023.57,"end":1027.03,"sentiment":"neutral","sentiment_score":0.2720433622598648}],"sentiment":"neutral","sentiment_score":0.23911610206783707,"channel":0,"num_words":67,"start":1007.26495,"end":1027.03},{"sentences":[{"text":"Yep.","start":1027.4,"end":1027.9,"sentiment":"positive","sentiment_score":0.42968279123306274}],"sentiment":"positive","sentiment_score":0.42968279123306274,"channel":1,"num_words":1,"start":1027.4,"end":1027.9},{"sentences":[{"text":"The good thing with this beneficiary is it's a binding, nonlapsing one as well.","start":1027.5701,"end":1031.25,"sentiment":"positive","sentiment_score":0.6350173226424626},{"text":"So it means you've signed the form.","start":1031.25,"end":1032.6901,"sentiment":"positive","sentiment_score":0.5354553716523307},{"text":"You don't have to revoke or change that nomination unless your wish is changed, which is a positive.","start":1032.6901,"end":1038.0851,"sentiment":"positive","sentiment_score":0.45273009853230584},{"text":"Okay.","start":1038.385,"end":1038.885,"sentiment":"positive","sentiment_score":0.5596728324890137}],"sentiment":"positive","sentiment_score":0.5336811181157828,"channel":0,"num_words":40,"start":1027.5701,"end":1038.885},{"sentences":[{"text":"Yep.","start":1039.185,"end":1039.685,"sentiment":"positive","sentiment_score":0.5279610753059387}],"sentiment":"positive","sentiment_score":0.5279610753059387,"channel":1,"num_words":1,"start":1039.185,"end":1039.685},{"sentences":[{"text":"Beautiful.","start":1039.185,"end":1039.685,"sentiment":"positive","sentiment_score":0.728679895401001},{"text":"Excellent.","start":1040.305,"end":1040.805,"sentiment":"positive","sentiment_score":0.6758328080177307},{"text":"Another thing I do like to sort of point out as well is just letting Kelly know that in the event that something was to happen, that we are your financial advisers.","start":1041.105,"end":1048.4299,"sentiment":"positive","sentiment_score":0.34556160075590014},{"text":"So she can call us, and we can help her to go through the claims process and help the FDAs with the insurer to make sure everything is processed nice and easily for her as well.","start":1048.49,"end":1058.83,"sentiment":"neutral","sentiment_score":0.15612188830143875},{"text":"Okay?","start":1058.89,"end":1059.39,"sentiment":"neutral","sentiment_score":0.0408557653427124}],"sentiment":"neutral","sentiment_score":0.2552637700253809,"channel":0,"num_words":71,"start":1039.185,"end":1059.39},{"sentences":[{"text":"Yep.","start":1059.0,"end":1059.5,"sentiment":"neutral","sentiment_score":0.04657939821481705},{"text":"Yep.","start":1059.64,"end":1060.14,"sentiment":"neutral","sentiment_score":0.058319419622421265}],"sentiment":"neutral","sentiment_score":0.052449408918619156,"channel":1,"num_words":2,"start":1059.0,"end":1060.14},{"sentences":[{"text":"Yep.","start":1060.1151,"end":1060.5951,"sentiment":"neutral","sentiment_score":0.151163712143898},{"text":"Beautiful.","start":1060.5951,"end":1061.0951,"sentiment":"positive","sentiment_score":0.6678444743156433},{"text":"Excellent.","start":1061.3151,"end":1061.8151,"sentiment":"positive","sentiment_score":0.7074809074401855},{"text":"Well, thank you for updating all of your circumstances there.","start":1062.275,"end":1064.995,"sentiment":"positive","sentiment_score":0.5510326385498047},{"text":"Now just to give you a bit of an update, you're probably curious about what your super has been doing.","start":1064.995,"end":1068.915,"sentiment":"neutral","sentiment_score":0.07520031090825796}],"sentiment":"neutral","sentiment_score":0.25881277871402825,"channel":0,"num_words":33,"start":1060.1151,"end":1068.915},{"sentences":[{"text":"How do you log in to hub very often or look at your super?","start":1068.915,"end":1071.9751,"sentiment":"neutral","sentiment_score":0.0229461447867964}],"sentiment":"neutral","sentiment_score":0.0229461447867964,"channel":0,"num_words":14,"start":1068.915,"end":1071.9751},{"sentences":[{"text":"I don't.","start":1071.945,"end":1072.765,"sentiment":"neutral","sentiment_score":-0.059661511331796646},{"text":"I don't, to be","start":1072.825,"end":1073.865,"sentiment":"neutral","sentiment_score":-0.07748842239379883}],"sentiment":"neutral","sentiment_score":-0.07154611870646477,"channel":1,"num_words":6,"start":1071.945,"end":1073.865},{"sentences":[{"text":"No?","start":1073.78,"end":1074.28,"sentiment":"neutral","sentiment_score":-0.06321720778942108}],"sentiment":"neutral","sentiment_score":-0.06321720778942108,"channel":0,"num_words":1,"start":1073.78,"end":1074.28},{"sentences":[{"text":"honest.","start":1073.865,"end":1074.27,"sentiment":"neutral","sentiment_score":-0.07847093790769577}],"sentiment":"neutral","sentiment_score":-0.07847093790769577,"channel":1,"num_words":1,"start":1073.865,"end":1074.27},{"sentences":[{"text":"That's","start":1075.0599,"end":1075.46,"sentiment":"neutral","sentiment_score":-0.0642169862985611}],"sentiment":"neutral","sentiment_score":-0.0642169862985611,"channel":0,"num_words":1,"start":1075.0599,"end":1075.46},{"sentences":[{"text":"Alright.","start":1075.0701,"end":1075.43,"sentiment":"neutral","sentiment_score":-0.018039286136627197},{"text":"I","start":1075.43,"end":1075.79,"sentiment":"neutral","sentiment_score":-0.04022225737571716}],"sentiment":"neutral","sentiment_score":-0.02913077175617218,"channel":1,"num_words":2,"start":1075.0701,"end":1075.79},{"sentences":[{"text":"okay.","start":1075.46,"end":1075.96,"sentiment":"neutral","sentiment_score":-0.034831222146749496}],"sentiment":"neutral","sentiment_score":-0.034831222146749496,"channel":0,"num_words":1,"start":1075.46,"end":1075.96},{"sentences":[{"text":"am a kind of skink.","start":1075.79,"end":1077.25,"sentiment":"neutral","sentiment_score":-0.1607797086238861}],"sentiment":"neutral","sentiment_score":-0.1607797086238861,"channel":1,"num_words":5,"start":1075.79,"end":1077.25},{"sentences":[{"text":"No.","start":1078.82,"end":1079.0599,"sentiment":"neutral","sentiment_score":-0.1255027949810028},{"text":"That's absolutely fine, honestly.","start":1079.0599,"end":1081.4,"sentiment":"neutral","sentiment_score":0.025840605900157243},{"text":"To have a bit of a look now, I did have a look.","start":1082.1,"end":1084.66,"sentiment":"neutral","sentiment_score":0.015894360625399992},{"text":"Your balance last year in May within Hub 24 was 168,416 and 64¢.","start":1084.66,"end":1091.825,"sentiment":"neutral","sentiment_score":0.013250446567932764}],"sentiment":"neutral","sentiment_score":0.011449722518833975,"channel":0,"num_words":31,"start":1078.82,"end":1091.825},{"sentences":[{"text":"Mhmm.","start":1092.065,"end":1092.565,"sentiment":"neutral","sentiment_score":0.014419885352253914}],"sentiment":"neutral","sentiment_score":0.014419885352253914,"channel":1,"num_words":1,"start":1092.065,"end":1092.565},{"sentences":[{"text":"Your balance in your super fund as of today's date, sorry, is a 177,930 and 61¢ there.","start":1092.285,"end":1103.2001,"sentiment":"neutral","sentiment_score":0.07468668697401881},{"text":"So it has definitely increased in value.","start":1103.2001,"end":1105.62,"sentiment":"positive","sentiment_score":0.35840020860944477},{"text":"That does give you it's what's been happening in the markets within the world generally and the ups and downs we've seen over the last few months there.","start":1106.7201,"end":1113.68,"sentiment":"neutral","sentiment_score":0.10815638290452105},{"text":"You have come out with a positive return.","start":1113.68,"end":1115.52,"sentiment":"positive","sentiment_score":0.46087978407740593},{"text":"It is a 4.19% return net of fees.","start":1115.52,"end":1118.715,"sentiment":"neutral","sentiment_score":0.281782828271389}],"sentiment":"neutral","sentiment_score":0.1891562398801099,"channel":0,"num_words":68,"start":1092.285,"end":1118.715},{"sentences":[{"text":"So it is lower than we'd sort of expect for what you're in at the moment, but it is a positive return, so it is good for the year.","start":1119.0349,"end":1126.095,"sentiment":"positive","sentiment_score":0.3619911090053361},{"text":"I've just sort of had a bit of a look at your portfolio as well, and I can see there are maybe some changes we should make to it to the investments there as well.","start":1127.0349,"end":1136.0399,"sentiment":"neutral","sentiment_score":0.03584285750985146},{"text":"It looks like one of your underlying investments have been along Australian equities.","start":1137.5399,"end":1141.48,"sentiment":"neutral","sentiment_score":-0.11498358215277012},{"text":"That one there looks like it has been underperforming a little bit for the last few months there.","start":1141.86,"end":1146.5199,"sentiment":"neutral","sentiment_score":-0.2677489353550805},{"text":"Normally, we'd sort of not wanna sell off an investment, but with what's happening within the investment as a whole, it is making it not worth keeping.","start":1147.1151,"end":1155.6951,"sentiment":"negative","sentiment_score":-0.3994000681020595}],"sentiment":"neutral","sentiment_score":-0.04381825466502885,"channel":0,"num_words":122,"start":1119.0349,"end":1155.6951},{"sentences":[{"text":"And I would like to sort of see us remove investments that are underperforming for you and reinvest the money and make sure that those investments are working harder.","start":1155.995,"end":1163.9501,"sentiment":"neutral","sentiment_score":-0.30350824496869383},{"text":"Would you like me to maybe go back and reevaluate the portfolio and maybe make some recommendations and update the advice for you?","start":1163.9501,"end":1171.01,"sentiment":"neutral","sentiment_score":0.07058891856476017}],"sentiment":"neutral","sentiment_score":-0.13804219186735842,"channel":0,"num_words":52,"start":1155.995,"end":1171.01},{"sentences":[{"text":"Yeah.","start":1170.965,"end":1171.285,"sentiment":"neutral","sentiment_score":0.08192014694213867},{"text":"For sure.","start":1171.285,"end":1171.945,"sentiment":"neutral","sentiment_score":0.08075638487935066}],"sentiment":"neutral","sentiment_score":0.08114430556694667,"channel":1,"num_words":3,"start":1170.965,"end":1171.945},{"sentences":[{"text":"Yeah.","start":1172.51,"end":1172.8301,"sentiment":"neutral","sentiment_score":0.1659860610961914}],"sentiment":"neutral","sentiment_score":0.1659860610961914,"channel":0,"num_words":1,"start":1172.51,"end":1172.8301},{"sentences":[{"text":"Yep.","start":1172.8049,"end":1173.3049,"sentiment":"positive","sentiment_score":0.3833596706390381}],"sentiment":"positive","sentiment_score":0.3833596706390381,"channel":1,"num_words":1,"start":1172.8049,"end":1173.3049},{"sentences":[{"text":"Fantastic.","start":1172.8301,"end":1173.3301,"sentiment":"positive","sentiment_score":0.7423616051673889},{"text":"To give you a little bit of an idea, now Bennelong was originally put in there as more of an actively managed investment.","start":1174.335,"end":1179.5549,"sentiment":"neutral","sentiment_score":0.28680072919182154},{"text":"An active manager is supposed to try and outperform against the market all the index that they're tracking.","start":1180.015,"end":1185.315,"sentiment":"positive","sentiment_score":0.3594433334138658}],"sentiment":"neutral","sentiment_score":0.32877996138163973,"channel":0,"num_words":42,"start":1172.8301,"end":1185.315},{"sentences":[{"text":"Yep.","start":1185.73,"end":1186.23,"sentiment":"neutral","sentiment_score":0.09513562172651292}],"sentiment":"neutral","sentiment_score":0.09513562172651292,"channel":1,"num_words":1,"start":1185.73,"end":1186.23},{"sentences":[{"text":"Because Bennelong haven't been able to do that, we do wanna look at removing them.","start":1185.9349,"end":1189.615,"sentiment":"neutral","sentiment_score":-0.043975120534499486},{"text":"But because you are getting closer to the age of 60, you know, you are getting closer to being able to access super in the event that you you you decided to not work or you're unable to work,","start":1189.615,"end":1201.0499,"sentiment":"neutral","sentiment_score":-0.00025758615288978896}],"sentiment":"neutral","sentiment_score":-0.012401345703336928,"channel":0,"num_words":54,"start":1185.9349,"end":1201.0499},{"sentences":[{"text":"Mhmm.","start":1201.385,"end":1201.885,"sentiment":"neutral","sentiment_score":-0.013017446734011172}],"sentiment":"neutral","sentiment_score":-0.013017446734011172,"channel":1,"num_words":1,"start":1201.385,"end":1201.885},{"sentences":[{"text":"did you want me to maybe look at something a bit more passively managed a bit cheaper to put in its place, or did you want some more active management in there?","start":1201.75,"end":1210.875,"sentiment":"neutral","sentiment_score":-0.008454147435259074}],"sentiment":"neutral","sentiment_score":-0.008454147435259074,"channel":0,"num_words":32,"start":1201.75,"end":1210.875},{"sentences":[{"text":"What would you","start":1213.07,"end":1214.0499,"sentiment":"neutral","sentiment_score":-0.010075908154249191}],"sentiment":"neutral","sentiment_score":-0.010075908154249191,"channel":1,"num_words":3,"start":1213.07,"end":1214.0499},{"sentences":[{"text":"In my honest opinion, when we're getting a little bit older, when we are kind of in our late fifties and early sixties, it does become a bit more about risk mitigation.","start":1215.75,"end":1224.65,"sentiment":"neutral","sentiment_score":0.003791868180996971},{"text":"So trying to lower the overall risk of the portfolio, maybe saving a bit on investment fees as well and having more money retained in the portfolio compounding.","start":1224.79,"end":1234.615,"sentiment":"neutral","sentiment_score":0.2455683515540191}],"sentiment":"neutral","sentiment_score":0.11662089375507396,"channel":0,"num_words":60,"start":1215.75,"end":1234.615},{"sentences":[{"text":"Mhmm.","start":1235.385,"end":1235.885,"sentiment":"neutral","sentiment_score":0.0647011250257492}],"sentiment":"neutral","sentiment_score":0.0647011250257492,"channel":1,"num_words":1,"start":1235.385,"end":1235.885},{"sentences":[{"text":"So I'd be more inclined to go that passive manner, look at something a bit low risk for you, a bit low cost, but it is up to you at the same time, Ricky.","start":1235.475,"end":1243.735,"sentiment":"neutral","sentiment_score":0.16358254937564626}],"sentiment":"neutral","sentiment_score":0.16358254937564626,"channel":0,"num_words":34,"start":1235.475,"end":1243.735},{"sentences":[{"text":"So the returns, though, wanting something like that, I don't know.","start":1244.15,"end":1247.21,"sentiment":"neutral","sentiment_score":0.03452760421416976},{"text":"Usually, it's great, are they?","start":1247.51,"end":1249.13,"sentiment":"neutral","sentiment_score":0.17368409633636475}],"sentiment":"neutral","sentiment_score":0.0780140080023557,"channel":1,"num_words":16,"start":1244.15,"end":1249.13},{"sentences":[{"text":"Oh, not necessarily.","start":1249.53,"end":1250.59,"sentiment":"neutral","sentiment_score":-0.006509906301895778},{"text":"So returns on passively managed funds can actually outperform against the market over the longer term much more than active managers can.","start":1251.05,"end":1260.545,"sentiment":"neutral","sentiment_score":0.1701196154410189}],"sentiment":"neutral","sentiment_score":0.14892407283186912,"channel":0,"num_words":25,"start":1249.53,"end":1260.545},{"sentences":[{"text":"Okay.","start":1260.845,"end":1261.345,"sentiment":"neutral","sentiment_score":0.05395955219864845}],"sentiment":"neutral","sentiment_score":0.05395955219864845,"channel":1,"num_words":1,"start":1260.845,"end":1261.345},{"sentences":[{"text":"The main difference is active managers are buying and selling, trying to pick the tops and the bottoms of the market, trying to find when to get into certain investments, and that's how they're trying to outperform against the market.","start":1260.945,"end":1272.325,"sentiment":"neutral","sentiment_score":0.04226598897948861},{"text":"Whereas actively managed funds like index funds, you're essentially tracking an index and participating in the market and just doing what the market does.","start":1273.03,"end":1281.85,"sentiment":"neutral","sentiment_score":0.03531974724804362},{"text":"And more often than not, you can actually outperform a lot better or get greater returns just by participating in the market than active managers do.","start":1281.99,"end":1291.315,"sentiment":"positive","sentiment_score":0.4219838140102533}],"sentiment":"neutral","sentiment_score":0.1501099184155464,"channel":0,"num_words":90,"start":1260.945,"end":1291.315},{"sentences":[{"text":"Okay.","start":1291.5,"end":1292.0,"sentiment":"neutral","sentiment_score":0.18391048908233645},{"text":"Yep.","start":1292.78,"end":1293.28,"sentiment":"neutral","sentiment_score":0.1576732099056244}],"sentiment":"neutral","sentiment_score":0.1707918494939804,"channel":1,"num_words":2,"start":1291.5,"end":1293.28},{"sentences":[{"text":"Yeah.","start":1293.055,"end":1293.555,"sentiment":"neutral","sentiment_score":0.16134236752986908},{"text":"Yeah.","start":1294.015,"end":1294.515,"sentiment":"neutral","sentiment_score":0.17170819640159607}],"sentiment":"neutral","sentiment_score":0.16652528196573257,"channel":0,"num_words":2,"start":1293.055,"end":1294.515},{"sentences":[{"text":"Yeah.","start":1294.3,"end":1294.62,"sentiment":"neutral","sentiment_score":0.1953396499156952},{"text":"No worries at all.","start":1294.62,"end":1295.42,"sentiment":"neutral","sentiment_score":0.27810052782297134},{"text":"That's thanks a lot.","start":1295.42,"end":1297.1001,"sentiment":"positive","sentiment_score":0.6740361750125885},{"text":"It's a way to","start":1297.1001,"end":1297.66,"sentiment":"neutral","sentiment_score":0.30988645553588867}],"sentiment":"positive","sentiment_score":0.40334094487703764,"channel":1,"num_words":13,"start":1294.3,"end":1297.66},{"sentences":[{"text":"Yeah.","start":1297.615,"end":1298.115,"sentiment":"neutral","sentiment_score":0.21423402428627017}],"sentiment":"neutral","sentiment_score":0.21423402428627017,"channel":0,"num_words":1,"start":1297.615,"end":1298.115},{"sentences":[{"text":"go then.","start":1297.66,"end":1298.14,"sentiment":"neutral","sentiment_score":0.27870969474315643},{"text":"It's a bit safer,","start":1298.14,"end":1299.02,"sentiment":"positive","sentiment_score":0.3925214111804962}],"sentiment":"positive","sentiment_score":0.3545841723680496,"channel":1,"num_words":6,"start":1297.66,"end":1299.02},{"sentences":[{"text":"Excellent.","start":1298.98,"end":1299.48,"sentiment":"positive","sentiment_score":0.751197338104248}],"sentiment":"positive","sentiment_score":0.751197338104248,"channel":0,"num_words":1,"start":1298.98,"end":1299.48},{"sentences":[{"text":"and if the returns are there, that's even better.","start":1299.02,"end":1301.3601,"sentiment":"positive","sentiment_score":0.6221959590911865}],"sentiment":"positive","sentiment_score":0.6221959590911865,"channel":1,"num_words":9,"start":1299.02,"end":1301.3601},{"sentences":[{"text":"Yeah.","start":1301.7799,"end":1302.1799,"sentiment":"neutral","sentiment_score":0.2367837131023407},{"text":"Well, I'll go and have a look at the options.","start":1302.1799,"end":1303.94,"sentiment":"neutral","sentiment_score":0.16223568916320802},{"text":"We do have a couple of options that I've been looking at to replace those investments passively for a lot of my older clients.","start":1303.94,"end":1309.96,"sentiment":"neutral","sentiment_score":0.20646927195290724},{"text":"So I can have a look at what's low cost, look at what's been performing better for you, and also sorta keep you on track for your retirement there.","start":1310.5,"end":1318.2051,"sentiment":"neutral","sentiment_score":0.3256577905909768},{"text":"Okay.","start":1318.2051,"end":1318.7051,"sentiment":"neutral","sentiment_score":0.11920301616191864}],"sentiment":"neutral","sentiment_score":0.2519643396139145,"channel":0,"num_words":65,"start":1301.7799,"end":1318.7051},{"sentences":[{"text":"Mhmm.","start":1318.47,"end":1318.97,"sentiment":"neutral","sentiment_score":0.08897954225540161},{"text":"Mhmm.","start":1319.8301,"end":1320.3301,"sentiment":"neutral","sentiment_score":0.13214319944381714}],"sentiment":"neutral","sentiment_score":0.11056137084960938,"channel":1,"num_words":2,"start":1318.47,"end":1320.3301},{"sentences":[{"text":"Beautiful.","start":1319.9651,"end":1320.4651,"sentiment":"positive","sentiment_score":0.5316888689994812},{"text":"Excellent.","start":1320.685,"end":1321.185,"sentiment":"positive","sentiment_score":0.545006513595581},{"text":"Now the other thing to sorta give you an update on is the insurance side of things.","start":1322.125,"end":1325.805,"sentiment":"neutral","sentiment_score":0.06714742806027918},{"text":"So I know we had retained Colonial First State.","start":1325.805,"end":1328.7051,"sentiment":"neutral","sentiment_score":0.029270161357190874},{"text":"I do need to update the research with them, but the last sort of information I have here was that the life in TPD, in the event of passing, your life cover was with a sum insured of 568,000, and you have the same level of TPD.","start":1329.21,"end":1344.03,"sentiment":"neutral","sentiment_score":0.026704809707688525}],"sentiment":"neutral","sentiment_score":0.049823455574611826,"channel":0,"num_words":75,"start":1319.9651,"end":1344.03},{"sentences":[{"text":"What was your goal with your life cover if something was to happen?","start":1345.175,"end":1348.455,"sentiment":"neutral","sentiment_score":0.05210653807108219},{"text":"What was it that you realistically wanted that to cover and pay out for you?","start":1348.455,"end":1352.715,"sentiment":"neutral","sentiment_score":0.04665378804008166}],"sentiment":"neutral","sentiment_score":0.04918542198304619,"channel":0,"num_words":28,"start":1345.175,"end":1352.715},{"sentences":[{"text":"Look after Cal, basically.","start":1353.96,"end":1355.5,"sentiment":"neutral","sentiment_score":-0.004215731751173735}],"sentiment":"neutral","sentiment_score":-0.004215731751173735,"channel":1,"num_words":4,"start":1353.96,"end":1355.5},{"sentences":[{"text":"Yeah.","start":1356.775,"end":1357.275,"sentiment":"neutral","sentiment_score":0.015925047919154167}],"sentiment":"neutral","sentiment_score":0.015925047919154167,"channel":0,"num_words":1,"start":1356.775,"end":1357.275},{"sentences":[{"text":"Pay up the debts.","start":1358.775,"end":1360.5549,"sentiment":"neutral","sentiment_score":0.018125038594007492}],"sentiment":"neutral","sentiment_score":0.018125038594007492,"channel":1,"num_words":4,"start":1358.775,"end":1360.5549},{"sentences":[{"text":"Yep.","start":1361.2999,"end":1361.7999,"sentiment":"neutral","sentiment_score":0.029272427782416344}],"sentiment":"neutral","sentiment_score":0.029272427782416344,"channel":0,"num_words":1,"start":1361.2999,"end":1361.7999},{"sentences":[{"text":"And I would, you know, potentially leave Kel with basically, even with Super as a as a as a thing,","start":1361.655,"end":1371.595,"sentiment":"neutral","sentiment_score":0.009261608961969614}],"sentiment":"neutral","sentiment_score":0.009261608961969614,"channel":1,"num_words":20,"start":1361.655,"end":1371.595},{"sentences":[{"text":"Mhmm.","start":1372.435,"end":1372.935,"sentiment":"neutral","sentiment_score":-0.018581584095954895}],"sentiment":"neutral","sentiment_score":-0.018581584095954895,"channel":0,"num_words":1,"start":1372.435,"end":1372.935},{"sentences":[{"text":"it's I know a lot of people wanna use it retirement, whatever.","start":1373.49,"end":1376.37,"sentiment":"neutral","sentiment_score":-0.0066656749695539474},{"text":"So I think it's a fail safe for Cal.","start":1376.37,"end":1378.4501,"sentiment":"neutral","sentiment_score":-0.1590541038248274},{"text":"If I do fall ill and whatever and pass away, that's my concern","start":1378.4501,"end":1385.35,"sentiment":"neutral","sentiment_score":-0.17488427059008524}],"sentiment":"neutral","sentiment_score":-0.111322663286153,"channel":1,"num_words":34,"start":1373.49,"end":1385.35},{"sentences":[{"text":"Yep.","start":1384.93,"end":1385.43,"sentiment":"neutral","sentiment_score":-0.03815142437815666}],"sentiment":"neutral","sentiment_score":-0.03815142437815666,"channel":0,"num_words":1,"start":1384.93,"end":1385.43},{"sentences":[{"text":"to go straight to to Cal to look 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mileage,","start":1389.0651,"end":1391.965,"sentiment":"neutral","sentiment_score":-0.007967025817682346}],"sentiment":"neutral","sentiment_score":-0.007619845098815858,"channel":1,"num_words":8,"start":1388.2101,"end":1391.965},{"sentences":[{"text":"Yeah.","start":1392.77,"end":1393.27,"sentiment":"neutral","sentiment_score":-0.007786603644490242}],"sentiment":"neutral","sentiment_score":-0.007786603644490242,"channel":0,"num_words":1,"start":1392.77,"end":1393.27},{"sentences":[{"text":"but something like that would not straight off the top of it.","start":1392.825,"end":1395.305,"sentiment":"neutral","sentiment_score":-0.07703465751061837},{"text":"So, you know, I know","start":1395.305,"end":1396.265,"sentiment":"neutral","sentiment_score":-0.00292479544878006}],"sentiment":"neutral","sentiment_score":-0.05523763925713651,"channel":1,"num_words":17,"start":1392.825,"end":1396.265},{"sentences":[{"text":"Yeah.","start":1396.145,"end":1396.645,"sentiment":"neutral","sentiment_score":0.006604434922337532}],"sentiment":"neutral","sentiment_score":0.006604434922337532,"channel":0,"num_words":1,"start":1396.145,"end":1396.645},{"sentences":[{"text":"she's right.","start":1396.265,"end":1397.085,"sentiment":"neutral","sentiment_score":0.014801069162786007},{"text":"She 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up","start":1413.49,"end":1415.19,"sentiment":"neutral","sentiment_score":0.09786597043275833}],"sentiment":"neutral","sentiment_score":0.09786597043275833,"channel":1,"num_words":5,"start":1413.49,"end":1415.19},{"sentences":[{"text":"Yeah.","start":1415.8401,"end":1416.3401,"sentiment":"neutral","sentiment_score":0.10202127695083618}],"sentiment":"neutral","sentiment_score":0.10202127695083618,"channel":0,"num_words":1,"start":1415.8401,"end":1416.3401},{"sentences":[{"text":"or we use it","start":1416.625,"end":1417.9249,"sentiment":"neutral","sentiment_score":0.16413953714072704}],"sentiment":"neutral","sentiment_score":0.16413953714072704,"channel":1,"num_words":4,"start":1416.625,"end":1417.9249},{"sentences":[{"text":"Yep.","start":1418.415,"end":1418.915,"sentiment":"neutral","sentiment_score":0.12372076511383057}],"sentiment":"neutral","sentiment_score":0.12372076511383057,"channel":0,"num_words":1,"start":1418.415,"end":1418.915},{"sentences":[{"text":"for traveling or in the trailer or anything like that.","start":1419.345,"end":1422.085,"sentiment":"neutral","sentiment_score":0.12308543995022773}],"sentiment":"neutral","sentiment_score":0.12308543995022773,"channel":1,"num_words":10,"start":1419.345,"end":1422.085},{"sentences":[{"text":"Absolutely.","start":1422.655,"end":1423.155,"sentiment":"neutral","sentiment_score":0.17842568457126615},{"text":"No.","start":1423.4551,"end":1423.775,"sentiment":"neutral","sentiment_score":0.01273072510957718},{"text":"Definitely.","start":1423.775,"end":1424.275,"sentiment":"neutral","sentiment_score":0.10014708340168},{"text":"So with the current value that I can see here, essentially, that would cover the cost of the mortgage.","start":1424.415,"end":1429.155,"sentiment":"neutral","sentiment_score":0.1082702157528777},{"text":"And then with your super balance paid out from Colonial First Day and Hub twenty four, that's another I know I need to update the Colonial First State balance here in front of me, but I had about 21 last year, so it's probably almost double that now.","start":1429.295,"end":1442.55,"sentiment":"neutral","sentiment_score":0.037651396434133254}],"sentiment":"neutral","sentiment_score":0.05936720887465136,"channel":0,"num_words":70,"start":1422.655,"end":1442.55},{"sentences":[{"text":"So the $1.77 plus, say, another 20 or 30,000 on top of that would give her an extra buffer an extra buffer to sort of take some time off and and look at what she wants to do moving forward.","start":1443.17,"end":1453.8551,"sentiment":"neutral","sentiment_score":0.2170596495270729},{"text":"Do you feel that's fairly comfortable with that 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scenario.","start":1476.635,"end":1479.295,"sentiment":"neutral","sentiment_score":-0.19997095655311237}],"sentiment":"neutral","sentiment_score":-0.14716881726469314,"channel":1,"num_words":21,"start":1472.635,"end":1479.295},{"sentences":[{"text":"Oh, absolutely.","start":1480.025,"end":1481.085,"sentiment":"neutral","sentiment_score":0.153878815472126},{"text":"Yeah.","start":1481.385,"end":1481.705,"sentiment":"neutral","sentiment_score":0.12764295935630798},{"text":"Yeah.","start":1481.705,"end":1481.945,"sentiment":"neutral","sentiment_score":0.17827031016349792},{"text":"So the cover you'd have within Colonial First State is definitely more group cover.","start":1481.945,"end":1486.105,"sentiment":"neutral","sentiment_score":0.1955744336758341},{"text":"It's a lot cheaper if you were to try and get more cover now with your current 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level?","start":1531.915,"end":1537.455,"sentiment":"neutral","sentiment_score":0.04049994991648765}],"sentiment":"neutral","sentiment_score":0.04049994991648765,"channel":0,"num_words":21,"start":1531.915,"end":1537.455},{"sentences":[{"text":"Nothing.","start":1537.7899,"end":1538.2899,"sentiment":"neutral","sentiment_score":-0.1049553006887436},{"text":"Not really.","start":1538.9099,"end":1539.6499,"sentiment":"neutral","sentiment_score":-0.1512443870306015}],"sentiment":"neutral","sentiment_score":-0.13581469158331552,"channel":1,"num_words":3,"start":1537.7899,"end":1539.6499},{"sentences":[{"text":"No.","start":1540.12,"end":1540.2001,"sentiment":"neutral","sentiment_score":-0.14246384799480438},{"text":"That's okay.","start":1540.2001,"end":1541.18,"sentiment":"neutral","sentiment_score":-0.03803127631545067},{"text":"And with your income protection there, it's a essentially, currently, with what I have in front of me here showing a monthly benefit, if in the event you are unable to work, this is pretax of $3,727.74 on a monthly basis.","start":1541.48,"end":1557.385,"sentiment":"neutral","sentiment_score":-0.03935321606695652},{"text":"I know getting new income protection in your late fifties is extremely expensive, and because you've had that past injury, there are loadings and impossible exclusions that sort of factor in.","start":1558.245,"end":1567.865,"sentiment":"negative","sentiment_score":-0.3809638744400394}],"sentiment":"neutral","sentiment_score":-0.18189184489349525,"channel":0,"num_words":75,"start":1540.12,"end":1567.865},{"sentences":[{"text":"Yep.","start":1568.2001,"end":1568.7001,"sentiment":"neutral","sentiment_score":-0.02520083449780941}],"sentiment":"neutral","sentiment_score":-0.02520083449780941,"channel":1,"num_words":1,"start":1568.2001,"end":1568.7001},{"sentences":[{"text":"But pretax, like, I mean, if you were to say get $3,000 a month, would that sort of cover some of your monthly 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side.","start":2020.53,"end":2022.4501,"sentiment":"neutral","sentiment_score":0.011177361942827702},{"text":"But really nothing else that we use to","start":2022.4501,"end":2025.49,"sentiment":"neutral","sentiment_score":-0.019955419935286045}],"sentiment":"neutral","sentiment_score":-0.006612799130380154,"channel":1,"num_words":14,"start":2020.53,"end":2025.49},{"sentences":[{"text":"Yep.","start":2025.335,"end":2025.835,"sentiment":"neutral","sentiment_score":-0.014354187995195389}],"sentiment":"neutral","sentiment_score":-0.014354187995195389,"channel":0,"num_words":1,"start":2025.335,"end":2025.835},{"sentences":[{"text":"do 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just that the volatility that's been going on globally with the war in Iran and The US as well as the high inflation we're seeing here.","start":2124.9,"end":2133.0798,"sentiment":"neutral","sentiment_score":-0.12563382047745916},{"text":"But it really is up to you as well.","start":2134.085,"end":2135.6848,"sentiment":"neutral","sentiment_score":0.17474428729878533},{"text":"If you wanted, you could stay in the balanced growth environment for maybe another sort of six to twelve months.","start":2135.6848,"end":2140.405,"sentiment":"neutral","sentiment_score":0.21175007596611978}],"sentiment":"neutral","sentiment_score":0.017751292511820792,"channel":0,"num_words":90,"start":2114.5251,"end":2140.405},{"sentences":[{"text":"We could catch up in six months and see how you're feeling about things and maybe look at adjusting it then.","start":2140.405,"end":2145.4448,"sentiment":"neutral","sentiment_score":0.21863489420641036},{"text":"It's honestly up to 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there anything I haven't touched on that you maybe wanted touch on with regard to your super or","start":2415.0952,"end":2420.07,"sentiment":"neutral","sentiment_score":0.07473222127086238}],"sentiment":"neutral","sentiment_score":0.07473222127086238,"channel":0,"num_words":19,"start":2415.0952,"end":2420.07},{"sentences":[{"text":"good.","start":2419.815,"end":2420.315,"sentiment":"neutral","sentiment_score":0.104698047041893}],"sentiment":"neutral","sentiment_score":0.104698047041893,"channel":1,"num_words":1,"start":2419.815,"end":2420.315},{"sentences":[{"text":"anything of our services or your review?","start":2420.6099,"end":2423.19,"sentiment":"neutral","sentiment_score":0.015700383644018854}],"sentiment":"neutral","sentiment_score":0.015700383644018854,"channel":0,"num_words":7,"start":2420.6099,"end":2423.19},{"sentences":[{"text":"No.","start":2423.4949,"end":2423.575,"sentiment":"neutral","sentiment_score":-0.008559519425034523},{"text":"Thank you pretty much, Calvin 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you.","start":2481.189,"end":2482.0088,"sentiment":"positive","sentiment_score":0.38378164172172546},{"text":"See you.","start":2482.0688,"end":2482.5588,"sentiment":"neutral","sentiment_score":0.2659333795309067},{"text":"Bye.","start":2482.5588,"end":2483.0588,"sentiment":"neutral","sentiment_score":0.2162870466709137}],"sentiment":"neutral","sentiment_score":0.3031434178352356,"channel":1,"num_words":5,"start":2481.189,"end":2483.0588},{"sentences":[{"text":"Thanks.","start":2482.62,"end":2483.1,"sentiment":"neutral","sentiment_score":0.2762501537799835},{"text":"See you later.","start":2483.1,"end":2483.9001,"sentiment":"neutral","sentiment_score":0.22910887996355692},{"text":"Bye.","start":2483.9001,"end":2484.4001,"sentiment":"neutral","sentiment_score":0.11853256821632384}],"sentiment":"neutral","sentiment_score":0.21642187237739563,"channel":0,"num_words":5,"start":2482.62,"end":2484.4001}]},"summary":{"result":"success","short":"Representatives from OQ Financial speak with customers about their annual reviews and goals for work. They discuss assets, valuations, retirement plans, and potential savings. The representatives provide information on home and boat values, estate planning strategies, and advise on risk mitigation plans. They also discuss retirement goals, expenses, and insurance coverage. The representatives emphasize the importance of updating insurance coverage and updating driver's licenses. They offer financial services guidance and provide a review package that will be sent out to the customer. The conversation ends with the representatives thanking the customers for their time and offering assistance if needed."},"intents":{"segments":[{"text":"Ricky, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Mhmm. Definitely.","start_word":101,"end_word":135,"intents":[{"intent":"Assist with call processing","confidence_score":7.1882346e-7}]},{"text":"And just to do security, we are discussing your personal information, so we are very security conscious. I'll just get you to confirm your full name, date of birth, and address I should have on file.","start_word":138,"end_word":173,"intents":[{"intent":"Provide personal information","confidence_score":0.022418885},{"intent":"Inquire about security","confidence_score":0.00041346264}]},{"text":"I'll just get you to confirm your full name, date of birth, and address I should have on file.","start_word":155,"end_word":173,"intents":[{"intent":"Confirm identity","confidence_score":0.05221326}]},{"text":"Just got a letter the Are other you day to say sorry. Just yeah. got a letter the other day to say that you've been you've been trying to ring me, email me, Yes.","start_word":241,"end_word":274,"intents":[{"intent":"Provide email","confidence_score":0.0019377653}]},{"text":"What I wanna do today is do a bit of a review and maybe update the advice for you and look at what we're tracking and see if we can, you know, update everything for you and look at your goals further and look at what we're tracking for a time.","start_word":303,"end_word":353,"intents":[{"intent":"Update advice","confidence_score":0.5696524}]},{"text":"Because having you look at things, you originally wanted to access super at about age 67.","start_word":353,"end_word":368,"intents":[{"intent":"Access super super","confidence_score":0.31803724}]},{"text":"And what age would you sort of like to have the option to continue working part time casual or give up?","start_word":423,"end_word":443,"intents":[{"intent":"Continue working","confidence_score":0.18938135}]},{"text":"Everyone tells me you need to have a bit of a hobby when you get to those retirement years.","start_word":499,"end_word":517,"intents":[{"intent":"Drive hobby","confidence_score":0.0018586244}]},{"text":"we we plan on traveling and Yeah.","start_word":551,"end_word":557,"intents":[{"intent":"Plan trips","confidence_score":0.18860963}]},{"text":"The asset value I had on that last time was about $162,000. Is that sort of the same, or would you alter that value in any way, do you think? No.","start_word":670,"end_word":700,"intents":[{"intent":"Adjust value","confidence_score":0.0012826037},{"intent":"Discuss property value","confidence_score":0.0034185774},{"intent":"Review home value","confidence_score":0.00012996639}]},{"text":"government's doing at the moment, but I don't think prices are going up very much.","start_word":815,"end_word":829,"intents":[{"intent":"Compare prices","confidence_score":0.042194735}]},{"text":"With the mortgage and the property, just while I'm looking that up, I had a mortgage down of about 500,000. Have you been able to reduce that mortgage a little bit since we We last have caught a up? we have a little bit. Yeah.","start_word":888,"end_word":932,"intents":[{"intent":"Reduce mortgage","confidence_score":0.039290532}]},{"text":"So the last time we were able to do this fact find was essentially say, this time last year, do you think it might have been just under that $500,000 mark, or did you want me just to note it as the same sort of $500,000 mark for the mortgage?","start_word":975,"end_word":1024,"intents":[{"intent":"Assess car value","confidence_score":0.001010775}]},{"text":"I've got a value on that of approximately 5,000. I know it's more just evaluation of what it would be to you, but would you keep it the same? Would you wanna try and get that for I wouldn't it if you had to sell it? with you probably not. Look.","start_word":1395,"end_word":1445,"intents":[{"intent":"Evaluate vehicle's value","confidence_score":0.0011585042}]},{"text":"Boat and motor. Yep. Beautiful. And, I mean, your boat and motor, probably evaluation would be about the same, I would say. Yeah.","start_word":1490,"end_word":1512,"intents":[{"intent":"Evaluate boat and motor","confidence_score":0.045528814},{"intent":"Evaluate boat and motor home","confidence_score":0.0016190809}]},{"text":"I have it noted here that you did have about 28,000 in the redraw. Do you still have some money sitting in your redraw? We would.","start_word":1622,"end_word":1647,"intents":[{"intent":"Record redraw","confidence_score":0.0010342186}]},{"text":"We can leave that at no notice note as per last valuation.","start_word":1700,"end_word":1711,"intents":[{"intent":"Leave note","confidence_score":0.5206866}]},{"text":"Income wise, we had you earning about 85,000 on a yearly basis. Has that gone up a little bit since we maybe, last caught up? You got a bit of a pay rise?","start_word":1791,"end_word":1823,"intents":[{"intent":"Pay up","confidence_score":0.0000346149}]},{"text":"And I've got down here that we were not making any additional contributions to super at the moment, and all of your money was kinda going into the mortgage at the time. Yep.","start_word":1930,"end_word":1962,"intents":[{"intent":"Make contributions","confidence_score":0.011143723}]},{"text":"Well, thank you very much for letting me know. I've got down here now because you sort of said your main goal is to try and knock the mortgage out as quickly as possible there, Are you wanting to maybe look at making additional contributions to super or you're happy just to have it ticking along with your employer contributions?","start_word":2198,"end_word":2257,"intents":[{"intent":"Make contributions","confidence_score":0.060276963}]},{"text":"I just wanted to touch on the estate planning side of things here.","start_word":2529,"end_word":2541,"intents":[{"intent":"Resolve estate planning issue","confidence_score":0.0011041076}]},{"text":"a contested will or something. So we we talk about it all the time.","start_word":2647,"end_word":2660,"intents":[{"intent":"Discuss will","confidence_score":0.1471554}]},{"text":"And, realistically, having if you were, you know, to pass away and you went you passed away in test day without having a will in place, everything is a lot harder.","start_word":2720,"end_word":2750,"intents":[{"intent":"Discuss pass away estate","confidence_score":0.0013185228}]},{"text":"If you like after the call, I could send you an email with some information on a local solicitor.","start_word":2939,"end_word":2957,"intents":[{"intent":"Provide will information","confidence_score":0.22510038},{"intent":"Send email","confidence_score":0.27903035}]},{"text":"send the email. We can have a look at it, Yeah. and it'll serve as Absolutely. a reminder for me to talk to Cal about it again as well. Yeah. Absolutely.","start_word":3054,"end_word":3084,"intents":[{"intent":"Send email","confidence_score":0.25577784}]},{"text":"a reminder for me to talk to Cal about it again as well. Yeah.","start_word":3070,"end_word":3083,"intents":[{"intent":"Remind cal about contact with solicitor","confidence_score":0.00007352015}]},{"text":"So but I'll happily send the email for you to give you a bit of extra information there. And, yes, speak to your local solicitor and have that drawn up. It is definitely an investment in yourself, which is really important. Yeah.","start_word":3161,"end_word":3202,"intents":[{"intent":"Provide additional information","confidence_score":0.062831126}]},{"text":"And with your super beneficiaries, just checking those as well, I do have Kelly down as your spouse a 100% on your super. Yes. Colonial First State, our authority has expired there. So I'm gonna get the team to send you out a new authority if you can sign that and return it back, and we'll double check that the beneficiaries applied there are correct as well. But your beneficiary nomination on your super here is accurate as to your wishes.","start_word":3205,"end_word":3285,"intents":[{"intent":"Provide super beneficiary nomination","confidence_score":0.01992099}]},{"text":"The good thing with this beneficiary is it's a binding, nonlapsing one as well. So it means you've signed the form. You don't have to revoke or change that nomination unless your wish is changed, which is a positive. Okay.","start_word":3297,"end_word":3336,"intents":[{"intent":"Confirm signature of super","confidence_score":0.0002709014}]},{"text":"Another thing I do like to sort of point out as well is just letting Kelly know that in the event that something was to happen, that we are your financial advisers.","start_word":3340,"end_word":3371,"intents":[{"intent":"Point out confirmation of financial advisers","confidence_score":0.0033335104}]},{"text":"Well, thank you for updating all of your circumstances there. Now just to give you a bit of an update, you're probably curious about what your super has been doing. How do you log in to hub very often or look at your super? I don't.","start_word":3414,"end_word":3459,"intents":[{"intent":"Provide updates","confidence_score":0.0002860863}]},{"text":"Would you like me to maybe go back and reevaluate the portfolio and maybe make some recommendations and update the advice for you? Yeah.","start_word":3727,"end_word":3750,"intents":[{"intent":"Evaluate portfolio","confidence_score":0.6359019},{"intent":"Update advice","confidence_score":0.10297748}]},{"text":"Because Bennelong haven't been able to do that, we do wanna look at removing them. But because you are getting closer to the age of 60, you know, you are getting closer to being able to access super in the event that you you you decided to not work or you're unable to work, Mhmm.","start_word":3797,"end_word":3851,"intents":[{"intent":"Remove benelong from list","confidence_score":0.02631693}]},{"text":"did you want me to maybe look at something a bit more passively managed a bit cheaper to put in its place, or did you want some more active management in there?","start_word":3852,"end_word":3883,"intents":[{"intent":"Inquire about passive management strategy","confidence_score":0.00019969707},{"intent":"Determine passive management strategy in portfolio management","confidence_score":0.0000063880093}]},{"text":"So I'd be more inclined to go that passive manner, look at something a bit low risk for you, a bit low cost, but it is up to you at the same time, Ricky.","start_word":3948,"end_word":3981,"intents":[{"intent":"Understand passive management approach","confidence_score":0.00085406116}]},{"text":"So returns on passively managed funds can actually outperform against the market over the longer term much more than active managers can. Okay.","start_word":4001,"end_word":4023,"intents":[{"intent":"Determine return on investment","confidence_score":0.0032503705},{"intent":"Determine competitiveness of passive management and actively managed funds","confidence_score":1.260339e-7},{"intent":"Explain passive management approach in comparison to actively managed funds","confidence_score":6.429267e-7}]},{"text":"Well, I'll go and have a look at the options. We do have a couple of options that I've been looking at to replace those investments passively for a lot of my older clients. So I can have a look at what's low cost, look at what's been performing better for you, and also sorta keep you on track for your retirement there. Okay.","start_word":4149,"end_word":4212,"intents":[{"intent":"Evaluate options","confidence_score":0.15632568}]},{"text":"Keeping the cover you have now with no exclusions or loadings is definitely better than having exclusions or loadings down the track, especially with where you are and with what the load the exclusion would be with your back and what Yep.","start_word":4772,"end_word":4813,"intents":[{"intent":"Clarify coverage requirements","confidence_score":0.004136047}]},{"text":"Keeping the cover you have now with no exclusions or loadings is definitely better than having exclusions or loadings down the track, especially with where you are and with what the load the exclusion would be with your back and what Yep. you do for like, you're probably more likely to claim for back injuries. So yeah.","start_word":4772,"end_word":4828,"intents":[{"intent":"Retain coverage","confidence_score":0.11168342}]},{"text":"And with your income protection there, it's a essentially, currently, with what I have in front of me here showing a monthly benefit, if in the event you are unable to work, this is pretax of $3,727.74 on a monthly basis.","start_word":4874,"end_word":4914,"intents":[{"intent":"Provide monthly income","confidence_score":0.0001716563}]},{"text":"I know looking at new income protection would probably be the better way to go, but it would be expensive and there would be exclusions given your current, you know, your previous injuries there. So it would be very expensive to look into new cover.","start_word":5083,"end_word":5127,"intents":[{"intent":"Discuss previous injuries","confidence_score":0.004470561}]},{"text":"If you can get through this year with the insurance cover you have, next year, there could be a point where we're able to consolidate. You may not need to have insurances after that point. It's Yep.","start_word":5266,"end_word":5302,"intents":[{"intent":"Retain insurance coverage","confidence_score":0.09542458}]},{"text":"And if it's okay, we do also need to get an updated copy of your driver's license. It looks like it has expired on file, and it is really important that us and your super funds do have an updated copy of your driver's license Yep. for identification.","start_word":5433,"end_word":5480,"intents":[{"intent":"Update driver's license","confidence_score":0.26280877}]},{"text":"I'm having a bit of look at your portfolio, and we're gonna look at retaining the insurances. I'll also do some research on Colonial First State and see how those investments are working for you over there. Maybe as part of the advice, we'll look to update things that way for you.","start_word":5541,"end_word":5592,"intents":[{"intent":"Review portfolio","confidence_score":0.0844517}]},{"text":"Maybe as part of the advice, we'll look to update things that way for you.","start_word":5578,"end_word":5592,"intents":[{"intent":"Update assets","confidence_score":0.00038053878}]},{"text":"Even if you were, say, wanting to try and access some of your super or slow down at 65, you still kinda have that time horizon there ahead of you. Yep.","start_word":5784,"end_word":5814,"intents":[{"intent":"Arrange future investments","confidence_score":0.0000089559035}]},{"text":"Do you feel like that's probably a good goal, tracking forward around '65 to sixty seven to slow down, or would you wanna kinda slow down a little earlier than that? No.","start_word":5816,"end_word":5847,"intents":[{"intent":"Track progress","confidence_score":0.634006}]},{"text":"If you with what's happening in the market at the moment, I don't know if you watch the news on a regular basis, but with what has been happening. Hey, There's Alex.","start_word":5882,"end_word":5913,"intents":[{"intent":"Determine asset status","confidence_score":0.0001849393}]},{"text":"If you if we sort of did see this will continue for a bit longer, if we did see a lot of, you know, short term volatility moving forward and say your portfolio dropped by, say, 10 or 20% over the course of the next year.","start_word":5924,"end_word":5969,"intents":[{"intent":"Check portfolio status","confidence_score":0.0005754413}]},{"text":"When you think about the sort of returns you're chasing on a yearly basis from your super, are you sort of chasing the highest returns you can, or are you fairly comfortable taking a moderate amount of risk and maybe getting returns of, say, six to eight, four to six, or two to 4% on a yearly basis moving forward? Yep.","start_word":6126,"end_word":6186,"intents":[{"intent":"Evaluate financial decision","confidence_score":0.0055730883}]},{"text":"Are you fairly comfortable staying with that sort of seventy thirty asset allocation, or did you wanna maybe look at reducing it a bit further and maybe stepping down a risk level? How do you sort of feel?","start_word":6455,"end_word":6492,"intents":[{"intent":"Discuss asset allocation options","confidence_score":0.006574295}]},{"text":"So what I'll do, I'll go back and do some research around the balance growth environment. I'll look at what you've got, adjust and update the advice there for you. We'll go through that together, and you can tell me what your thoughts are around the advice I'm providing.","start_word":6851,"end_word":6899,"intents":[{"intent":"Adjust advice","confidence_score":0.033062715}]},{"text":"Because you are closer to accessing super, I can also factor in to a limited scope sort of the retirement aspect, so you can sort of see where you might be tracking for at the moment just to give you a bit of an idea.","start_word":6900,"end_word":6944,"intents":[{"intent":"Access super super","confidence_score":0.093944356}]},{"text":"And other goals I had down here from the past, you noted that you wanted to finish tackling the renovations. You've made mention you've got some more renovations to do. You still still have those as a a lot medium term goal? Yeah.","start_word":7012,"end_word":7054,"intents":[{"intent":"Set goals","confidence_score":0.00083575776}]},{"text":"Other than that, I had down here that you're, again, just wanting to pay down the mortgage as much as possible. Essentially, it was over the next five years. That was sort of last year there. So you still from what we've discussed, it was still got that goal to reduce the mortgage as much as possible. Sorry.","start_word":7117,"end_word":7174,"intents":[{"intent":"End conversation","confidence_score":0.023260105}]},{"text":"The only other thing to let you know is we'll send out an annual review pack to you shortly. You do pay for our services and keeping us with your advisers and updating the advice.","start_word":7226,"end_word":7260,"intents":[{"intent":"Inform about review pack","confidence_score":0.06637206}]},{"text":"We do charge an ongoing service fee just to kinda go through and make sure you're fully aware of that. It is 1.65% per annum.","start_word":7261,"end_word":7285,"intents":[{"intent":"Confirm fee","confidence_score":0.038944304}]},{"text":"I'll have an updated super balance with your Colonial First State and Hub twenty four in there for you, and also the reports I went through with regards to your Hub twenty four super, the returns, and the portfolio, and how that's been tracking.","start_word":7427,"end_word":7470,"intents":[{"intent":"Discuss super balance","confidence_score":0.023641542},{"intent":"Provide portfolio","confidence_score":0.022606993}]},{"text":"My team also did put our financial services guide in there for you, which outlines everything about who we are, what we do, how we do it.","start_word":7471,"end_word":7497,"intents":[{"intent":"Offer financial services guide","confidence_score":0.019777762}]},{"text":"No worries. We could set And as you I'm sound a lot younger than you said you were. thank you.","start_word":7517,"end_word":7536,"intents":[{"intent":"Confirm age","confidence_score":0.054244924}]},{"text":"then I'll get stuck into some research for you, and I'll find out what's going on and update the advice for you. Okay? Yeah.","start_word":7649,"end_word":7672,"intents":[{"intent":"Update advice","confidence_score":0.18876831}]}]},"sentiments":{"segments":[{"text":"Hello. Speaking. Hi, Ricky. It's Dana from OQ Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.2234073281288147},{"text":"Thank you. Oh, that's good. I had you booked in to go through a bit of an annual review today. Is now still a good time there for you?","start_word":14,"end_word":42,"sentiment":"positive","sentiment_score":0.44660407304763794},{"text":"Yep. Yeah.","start_word":43,"end_word":44,"sentiment":"neutral","sentiment_score":0.16585181653499603},{"text":"Fantastic.","start_word":45,"end_word":45,"sentiment":"positive","sentiment_score":0.5045473575592041},{"text":"Have you finished work for the day or still going? Yep. Still got a little bit to do, but, yeah, Yep. not That's too bad. okay. Not an issue. I'll try to keep it short and sweet as I can just to sort of touch on the things I need to touch on for you. Ricky, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Mhmm. Definitely. Yep.","start_word":46,"end_word":136,"sentiment":"neutral","sentiment_score":0.09442809969186784},{"text":"Fantastic.","start_word":137,"end_word":137,"sentiment":"positive","sentiment_score":0.5391010642051697},{"text":"And just to do security, we are discussing your personal information, so we are very security conscious. I'll just get you to confirm your full name, date of birth, and address I should have on file. Ricky Darren Antonovich. Yeah. 27th Of 5th 1967 And 40 Yeah. 5 Midgen Road, Chattura.","start_word":138,"end_word":188,"sentiment":"neutral","sentiment_score":0.1016707718372345},{"text":"Wonderful. Thank you so much for that. Appreciate it.","start_word":189,"end_word":197,"sentiment":"positive","sentiment_score":0.6915655732154846},{"text":"Ricky, I know you've been really busy the past few months, but how's everything kinda going for you? Yeah. Not too bad. Not too bad. Yeah. Yeah. Work has been pretty full on. Yeah. Yeah. Fantastic. But yeah. No. It's all pretty good. Just got a letter the Are other you day to say sorry. Just yeah. got a letter the other day to say that you've been you've been trying to ring me, email me, Yes. I'm text so me, sorry. but I haven't got in hadn't haven't had anything. No. That's that's absolutely okay. It's not a problem. So sorry about that. What I wanna do today is do a bit of a review and maybe update the advice for you and look at what we're tracking and see if we can, you know, update everything for you and look at your goals further and look at what we're tracking for a time. Because having you look at things, you originally wanted to access super at about age 67. Are you still sort of thinking that's your goal for when you wanna give up work? Still still looking at it. Look. At the end of the day, I'll still work to a degree, Yeah. but Yeah. not Yeah. not five days a week. Yeah. Of course. Definitely. No. Not a problem at all. And what age would you sort of like to have the option to continue working part time casual or give up? Or what age would you sort of like that to be your While the goal body age to start while doing the body that? while the body lets me, I'll be doing it. Yeah.","start_word":198,"end_word":477,"sentiment":"neutral","sentiment_score":0.02463190063302006},{"text":"Oh, beautiful. Beautiful.","start_word":478,"end_word":480,"sentiment":"positive","sentiment_score":0.4867962598800659},{"text":"Not a problem I'm at all. not I'm not going to the grave unused. No. No. That's okay. Everyone tells me you need to have a bit of a hobby when you get to those retirement years. Do you have anything you wanna do when you start Well, to slow down and we have a bit of free time? we bought a motor home, Gamba, twelve months ago.","start_word":481,"end_word":548,"sentiment":"neutral","sentiment_score":0.015526777133345604},{"text":"So Fantastic.","start_word":549,"end_word":550,"sentiment":"positive","sentiment_score":0.433696448802948},{"text":"we we plan on traveling and Yeah. yep.","start_word":551,"end_word":558,"sentiment":"neutral","sentiment_score":0.17437122762203217},{"text":"Fantastic.","start_word":559,"end_word":559,"sentiment":"positive","sentiment_score":0.40923476219177246},{"text":"And, Modem, have you taken it out yet, or is that sort of what you wanna do moving forward? Short short trips, and we're Yeah. actually about to go four days.","start_word":560,"end_word":590,"sentiment":"neutral","sentiment_score":0.0943138152360916},{"text":"Fantastic.","start_word":591,"end_word":591,"sentiment":"positive","sentiment_score":0.43663251399993896},{"text":"So, yeah, four days is as big a trip as as we can sort of fit in at the moment with holidays Yeah. Of and course. stuff for work and Yeah. work commitments for both of us. And but, you know, Yeah. we plan on planning on bigger trips and then go around Australia in a year or so.","start_word":592,"end_word":650,"sentiment":"neutral","sentiment_score":0.09866030514240264},{"text":"That's fantastic. That sounds amazing. Lovely.","start_word":651,"end_word":656,"sentiment":"positive","sentiment_score":0.6973455548286438},{"text":"With the motor home, just having a bit of a look here. The asset value I had on that last time was about $162,000. Is that sort of the same, or would you alter that value in any way, do you think? No. It's pretty much the same. We've added a couple Yeah. of things to it, but yeah. No.","start_word":657,"end_word":716,"sentiment":"neutral","sentiment_score":0.006566476821899414},{"text":"Fantastic. I'll write that.","start_word":717,"end_word":720,"sentiment":"positive","sentiment_score":0.3898603320121765},{"text":"Yep. Yeah. No.","start_word":721,"end_word":723,"sentiment":"neutral","sentiment_score":0.1352689117193222},{"text":"Fantastic. Excellent. Excellent.","start_word":724,"end_word":726,"sentiment":"positive","sentiment_score":0.6366156339645386},{"text":"And just while I'm looking at your assets here, just the other things I've got noted. Your main primary residence, we had an asset value of about 800,000. What sort of value would you put on the property now do you think? Oh, it's hard to tell with what the government's doing. Similar, I guess. I just I haven't looked Yeah. at what the market is doing as far as Yeah. valuation. I'd I'd reckon to be a bit similar. I Yeah. think we That's what the okay. government's doing at the moment, but I don't think prices are going up very much. Oh, it's hard to tell, isn't it? I'll just have a quick look while I've got you on the phone. If you like, I can have a bit of a look at a couple of the the places that we can sort of see Yep. to see what sort of value they might put on there for you. With the mortgage and the property, just while I'm looking that up, I had a mortgage down of about 500,000. Have you been able to reduce that mortgage a little bit since we We last have caught a up? we have a little bit. Yeah. Yep. I know I haven't the wife takes care of all of that, and I haven't recently, but Yep. but it's we would have reduced it, but I thought how much I'm not sure. No. That's okay. I'm having a look. So the last time we were able to do this fact find was essentially say, this time last year, do you think it might have been just under that $500,000 mark, or did you want me just to note it as the same sort of $500,000 mark for the mortgage? If I hang on a That's okay. You're fine. sec. Hang on. I'm just just gonna look into my bank. You alright? 4597. Wow.","start_word":727,"end_word":1047,"sentiment":"neutral","sentiment_score":-0.024004810765339207},{"text":"Fantastic. Excellent.","start_word":1048,"end_word":1049,"sentiment":"positive","sentiment_score":0.5613589286804199},{"text":"And just having a bit of a look at the valuations, it is sort of saying here rough valuations are around that sort of high 780,000 to 800,000 at the moment. So if you like, I can pop it down as about 800,000 valuation currently. Yep. Yep. Yep.","start_word":1050,"end_word":1097,"sentiment":"neutral","sentiment_score":0.09179727733135223},{"text":"Fantastic. Excellent.","start_word":1098,"end_word":1099,"sentiment":"positive","sentiment_score":0.5011742115020752},{"text":"I've also got down here your motorcycle. Do you still have that there? I do. Yeah.","start_word":1100,"end_word":1115,"sentiment":"neutral","sentiment_score":0.14493289589881897},{"text":"Fantastic.","start_word":1116,"end_word":1116,"sentiment":"positive","sentiment_score":0.3453918695449829},{"text":"As a value on that one we had, Ralph, I submitted about 20,000 last year. Do you think you'd still value that to about the same? It's getting older, but to me, yeah, every bit of it. Yeah. Yeah. That's Realistically perfect. realistically, it probably decreases in value a little bit, I guess, as the older Yeah. it gets, but Yeah. because it's got customized rear end and all of that, yeah, I'd still put the value up there. Yeah. That's fine. That's not a problem at all. And I've also got your wife's car down here. I believe it's a RAV four, about 58,000. Would you just drop that down a little bit, do you think, Well, for the you'd moment? have Or, I to mean, you'd have to RAVs deal with another is still it's pretty another good? year older, basically. So, yeah, Yep. I'm That's not okay. sure. If I just drop it down to, say, 56,000, it probably wouldn't have dropped a great deal in value. There's still a a good car and still well wanted Yeah. out there. Yep. That's okay. I've also got a Hilux here noted down for you as well. Do you still have that one? I do. That's okay. Yep. Yeah.","start_word":1117,"end_word":1326,"sentiment":"neutral","sentiment_score":0.006486157421022654},{"text":"Beautiful.","start_word":1327,"end_word":1327,"sentiment":"positive","sentiment_score":0.5772663950920105},{"text":"Sounds like it's been going for a while. It's been gone for a long time. I hit a couple of kangaroos this year. Oh, wow. Wow. I tell you what, if it can take on some kangaroos and still survive, it's a good vehicle. Because Well, to keep on to. I've gotten a big one. I had a bull bar Yeah. on it thankfully. Oh, jeez. Wow. I've got a value on that of approximately 5,000. I know it's more just evaluation of what it would be to you, but would you keep it the same? Would you wanna try and get that for I wouldn't it if you had to sell it? with you probably not. Look. That's that's a guardian value. Yeah. Probably 3 and a half. Yeah.","start_word":1328,"end_word":1457,"sentiment":"neutral","sentiment_score":0.07654249668121338},{"text":"Beautiful.","start_word":1458,"end_word":1458,"sentiment":"positive","sentiment_score":0.36778759956359863},{"text":"Not a problem at all. And I've also got down here your boat. You had a boat there with a value for about 2,000. Do you still have your boat? Yep. Boat and motor. Yep. Beautiful. And, I mean, your boat and motor, probably evaluation would be about the same, I would say. Yeah. They won't drop much. So it's yeah. You'd No. get to grand all day every Yeah. day. Nice. And have you got room on the motor home for the boat so you can take that with you? No. I won't be boating. But the four days No? we're going away now, we're going away jet boating and and Oh, yachting.","start_word":1459,"end_word":1572,"sentiment":"neutral","sentiment_score":0.06190165504813194},{"text":"fantastic.","start_word":1573,"end_word":1573,"sentiment":"positive","sentiment_score":0.34247487783432007},{"text":"Oh, fantastic. So we you know, there's there's boating, and my mate's got a boat as well that Yeah. we fish down in the bay for a week every Yeah. year.","start_word":1574,"end_word":1604,"sentiment":"neutral","sentiment_score":0.1126541942358017},{"text":"So That's so awesome.","start_word":1605,"end_word":1608,"sentiment":"positive","sentiment_score":0.4323781728744507},{"text":"so there's always That a boat is around fantastic. something. Yeah. Nice. I have it noted here that you did have about 28,000 in the redraw. Do you still have some money sitting in your redraw? We would. I'd have to get That's okay. I'm not quite sure what's in the redraw. That's alright. I can always Every just keep it at the same if you if you need. there is a this is always keeping it well up there. Yeah. I just don't see what it is. Yep. That's okay. We can leave that at no notice note as per last valuation.","start_word":1609,"end_word":1711,"sentiment":"neutral","sentiment_score":0.04487796545535037},{"text":"That's absolutely not a problem at all. She's a good exact missus of yours. She is. Beautiful.","start_word":1712,"end_word":1728,"sentiment":"positive","sentiment_score":0.6086110472679138},{"text":"And work wise, you may have mentioned that you wanna take some time next year and do a trip around Australia. Are you still in the same role you have been? Are you still working, I believe, farm working as a supervisor? I'm a supervisor of the greenhouse. Yeah. Yep. Of a greenhouse? Beautiful. And it was growing tomatoes? Yep. Yeah.","start_word":1729,"end_word":1789,"sentiment":"neutral","sentiment_score":0.08051179349422455},{"text":"Fantastic.","start_word":1790,"end_word":1790,"sentiment":"positive","sentiment_score":0.4100139141082764},{"text":"Income wise, we had you earning about 85,000 on a yearly basis. Has that gone up a little bit since we maybe, last caught up? You got a bit of a pay rise? Not really pay rise, but there there is overtime that comes in into play as well. On top of that, it just varies every year. But it's for the base. Yeah. ID is good. Just for the base. Yep. Yep. Yep. That's okay. Not a problem at all. And I have it here that you were working approximately forty five hours a week. Is that still sort of the same, or have you been taking up more hours and doing more overtime? Or No. Forty five is pretty, yeah, pretty good at the moment. Been working yep. less of the overtime yet. Yep. Yep.","start_word":1791,"end_word":1927,"sentiment":"neutral","sentiment_score":0.002969683613628149},{"text":"Perfect. Excellent.","start_word":1928,"end_word":1929,"sentiment":"positive","sentiment_score":0.3675340414047241},{"text":"And I've got down here that we were not making any additional contributions to super at the moment, and all of your money was kinda going into the mortgage at the time. Yep. Are you still finding that's the same scenario, or are you putting a bit of money away in savings at the moment specifically? Or Not for that. No. Still still going along with the phone. We just wanna knock that mortgage now. yeah. That's okay. So the goal is to have the mortgage down by, hopefully, retirement? Or Yeah. Yeah. Plus we've had two funerals this year Yep. Oh, and I'm so sorry. yeah. Mother and sister. And then we've had two weddings and three births. So we've had a bit going on as far as Wow. Payment. Payments on. Activities? Yes. Yes. You've had a lot going on. A lot of emotions this year. Yeah. Highs and lows.","start_word":1930,"end_word":2081,"sentiment":"neutral","sentiment_score":-0.06326653585328083},{"text":"Just I'm sad Yeah.","start_word":2082,"end_word":2085,"sentiment":"negative","sentiment_score":-0.4078925848007202},{"text":"and some really happy, some really sad. Yeah.","start_word":2086,"end_word":2093,"sentiment":"neutral","sentiment_score":-0.316617876291275},{"text":"That's a loss.","start_word":2094,"end_word":2096,"sentiment":"negative","sentiment_score":-0.5105613470077515},{"text":"Yeah. And Yeah. they Oh. all come in the lost. Oh, they absolutely do. Look, I'm 41 this year, and, honestly, I'm finding very similar scenario. It's it goes from you go to a wedding or a birth or something great happening, and then the next thing you know, someone's passed away that you've been known for years and years, you're going to a funeral or a wake or something. So Yeah. it does seem to be happening a lot lately, unfortunately. It's something we get a bit too used to as we get older. 80. Yeah. Yeah. Exactly. Yeah. Yeah.","start_word":2097,"end_word":2197,"sentiment":"neutral","sentiment_score":-0.0855625718832016},{"text":"Well, thank you very much for letting me know.","start_word":2198,"end_word":2206,"sentiment":"positive","sentiment_score":0.49815401434898376},{"text":"I've got down here now because you sort of said your main goal is to try and knock the mortgage out as quickly as possible there, Are you wanting to maybe look at making additional contributions to super or you're happy just to have it ticking along with your employer contributions? What's the At sort the of moment, goal with your I think super? at the moment, Yep. I know a common sense is that doing that would be good, but at the moment, Yeah. that's something that wife and I haven't spoken about, and it's something I'd wanna talk to her about first. Okay. Yeah.","start_word":2207,"end_word":2312,"sentiment":"neutral","sentiment_score":0.1338995622647314},{"text":"That's that's absolutely fine.","start_word":2313,"end_word":2316,"sentiment":"positive","sentiment_score":0.3694359362125397},{"text":"Something I've thought about over the years, just never really Yeah. done it. Yeah. I'd I'd have to talk to someone first on Yeah. that. Yeah. I'm gonna roll it out, No. but That's it's that's not. absolutely fine. What we can do is we can put that down as a future alternative or something we can look at down the track if you like. And when and if you decide you're comfortable looking into doing that, let me know at your end reviews and catch ups. We do just recheck-in with you to find out when and if that's something you want to look at. Yep. If Yep. you don't, that's absolutely fine. As you kinda tick along towards the age of 60 and beyond, there's some other cool strategies we can put in place where you do put more in the super, but we can also replenish your income back. So, you know, there's no obligation to do so at the moment, and there's some cool strategies we can put in place once you kinda hit that 60 years of age mark where, you know, we can boost your super in other ways as well. Okay? Yep.","start_word":2317,"end_word":2515,"sentiment":"neutral","sentiment_score":0.12020579725503922},{"text":"Fantastic. All good. Everything else looks like it's pretty well up to date.","start_word":2516,"end_word":2528,"sentiment":"positive","sentiment_score":0.609671413898468},{"text":"I just wanted to touch on the estate planning side of things here. So have you guys got a will done up? Have you ever talked about drawing up a will or sorry. We've we've talked That's about it multiple times. We know each yeah. other's wishes. But Yeah. given that Kel has three daughters and I have three daughters and it's sort of a split family collecting. Yeah. There's Yeah. always the potential that my wife's always nervous that one of my daughters might contest something and and give it a hard time. Should I go toes up overnight? Yeah. She it's quite possible she would have a battle on her hands as far as Yeah. a contested will or something. So we we talk about it all the time. Yep. We we should've and we haven't, but it's Mhmm. more poignant now, especially with the two funerals that we had this year. It Yeah. Yeah. just brings it to the fore that, you know, it does happen. And you Yeah. haven't Absolutely.","start_word":2529,"end_word":2702,"sentiment":"neutral","sentiment_score":-0.07610608952055717},{"text":"got any of the amount of time, and we we really we need to.","start_word":2703,"end_word":2716,"sentiment":"negative","sentiment_score":-0.36392682790756226},{"text":"Yeah. Absolutely. Absolutely. And, realistically, having if you were, you know, to pass away and you went you passed away in test day without having a will in place, everything is a lot harder. Not it not things whilst in legislation, technically, she'll go to your wife, not everything goes that way. And if you do pass away your intestate without a will in place, it Yep. does mean that other people can come forward and make a claim on your estate like your daughters or other family members that you may never spoken to or people from your past. And a judge does take things into account when they are making decisions, and us as advisers have seen estates go bad where they are intestate and where the wife thinks she's supposed to get everything and plan things that way, but other people take a claim. And if judge decides to pass pass things off to other members of the family, and they may not be in the wishes of the deceased person. So having a will is absolutely really important. It does mean even if a will is contested that a judge takes your circumstances and your wishes into play because you've set those wishes out prior to passing away. So it is definitely something that's really important to do. If you like after the call, I could send you an email with some information on a local solicitor.","start_word":2717,"end_word":2957,"sentiment":"neutral","sentiment_score":-0.12730880081653595},{"text":"It's a really good starting point.","start_word":2958,"end_word":2963,"sentiment":"positive","sentiment_score":0.5352709293365479},{"text":"It has a Yep. bit of a cost based on how much they charge to draw up a will, do powers of attorney, and things like that. We And do just so you guys can look at it. we do have one that the white with wipes that I have used for some other things in the past, a person here in Yeah. Chepparton.","start_word":2964,"end_word":3027,"sentiment":"neutral","sentiment_score":0.13420427753590047},{"text":"And I think that that would be better because they should I be the first to go, then that would serve Cal really well.","start_word":3028,"end_word":3051,"sentiment":"positive","sentiment_score":0.4531441628932953},{"text":"Certainly, Yeah. send the email. We can have a look at it, Yeah. and it'll serve as Absolutely. a reminder for me to talk to Cal about it again as well. Yeah. Absolutely. No. Not a problem, Adele. That's definitely something I always also suggest is if you do have a solicitor you're comfortable talking to and knows your family in your local area, it is always easier to do Will that way just because they can kind of make sure that they're accounting for people and, you know, that everything is it's always easy to do things in person as well, having everything notarized and put into place.","start_word":3052,"end_word":3160,"sentiment":"neutral","sentiment_score":0.30562669038772583},{"text":"So but I'll happily send the email for you to give you a bit of extra information there.","start_word":3161,"end_word":3178,"sentiment":"positive","sentiment_score":0.4398176670074463},{"text":"And, yes, speak to your local solicitor and have that drawn up.","start_word":3179,"end_word":3190,"sentiment":"neutral","sentiment_score":0.3024670481681824},{"text":"It is definitely an investment in yourself, which is really important.","start_word":3191,"end_word":3201,"sentiment":"positive","sentiment_score":0.36210644245147705},{"text":"Yeah.","start_word":3202,"end_word":3202,"sentiment":"neutral","sentiment_score":0.28039565682411194},{"text":"Yep. Excellent.","start_word":3203,"end_word":3204,"sentiment":"positive","sentiment_score":0.4686020016670227},{"text":"And with your super beneficiaries, just checking those as well, I do have Kelly down as your spouse a 100% on your super. Yes. Colonial First State, our authority has expired there. So I'm gonna get the team to send you out a new authority if you can sign that and return it back, and we'll double check that the beneficiaries applied there are correct as well. But your beneficiary nomination on your super here is accurate as to your wishes. So in the event of passing, Kelly does receive everything.","start_word":3205,"end_word":3295,"sentiment":"neutral","sentiment_score":0.2511923015117645},{"text":"Yep. The good thing with this beneficiary is it's a binding, nonlapsing one as well. So it means you've signed the form. You don't have to revoke or change that nomination unless your wish is changed, which is a positive. Okay. Beautiful. Yep. Excellent. Another thing I do like to sort of point out as well is just letting Kelly know that in the event that something was to happen, that we are your financial advisers.","start_word":3296,"end_word":3371,"sentiment":"positive","sentiment_score":0.47222572565078735},{"text":"So she can call us, and we can help her to go through the claims process and help the FDAs with the insurer to make sure everything is processed nice and easily for her as well. Okay? Yep. Yep. Yep.","start_word":3372,"end_word":3411,"sentiment":"neutral","sentiment_score":0.1357613205909729},{"text":"Beautiful. Excellent. Well, thank you for updating all of your circumstances there.","start_word":3412,"end_word":3423,"sentiment":"positive","sentiment_score":0.577804446220398},{"text":"Now just to give you a bit of an update, you're probably curious about what your super has been doing. How do you log in to hub very often or look at your super? I don't. I don't, to be No? honest. That's Alright. I okay. am a kind of skink. No. That's absolutely fine, honestly. To have a bit of a look now, I did have a look. Your balance last year in May within Hub 24 was 168,416 and 64<unk>. Mhmm. Your balance in your super fund as of today's date, sorry, is a 177,930 and 61<unk> there.","start_word":3424,"end_word":3526,"sentiment":"neutral","sentiment_score":0.01158031914383173},{"text":"So it has definitely increased in value.","start_word":3526,"end_word":3533,"sentiment":"positive","sentiment_score":0.3518082797527313},{"text":"That does give you it's what's been happening in the markets within the world generally and the ups and downs we've seen over the last few months there.","start_word":3533,"end_word":3561,"sentiment":"neutral","sentiment_score":0.10159601271152496},{"text":"You have come out with a positive return.","start_word":3561,"end_word":3569,"sentiment":"positive","sentiment_score":0.4719298779964447},{"text":"It is a 4.19% return net of fees.","start_word":3569,"end_word":3577,"sentiment":"neutral","sentiment_score":0.2894732356071472},{"text":"So it is lower than we'd sort of expect for what you're in at the moment, but it is a positive return, so it is good for the year.","start_word":3577,"end_word":3606,"sentiment":"positive","sentiment_score":0.3489011228084564},{"text":"I've just sort of had a bit of a look at your portfolio as well, and I can see there are maybe some changes we should make to it to the investments there as well. It looks like one of your underlying investments have been along Australian equities. That one there looks like it has been underperforming a little bit for the last few months there.","start_word":3606,"end_word":3672,"sentiment":"neutral","sentiment_score":-0.07258551567792892},{"text":"Normally, we'd sort of not wanna sell off an investment, but with what's happening within the investment as a whole, it is making it not worth keeping.","start_word":3672,"end_word":3699,"sentiment":"negative","sentiment_score":-0.381569504737854},{"text":"And I would like to sort of see us remove investments that are underperforming for you and reinvest the money and make sure that those investments are working harder. Would you like me to maybe go back and reevaluate the portfolio and maybe make some recommendations and update the advice for you? Yeah. For sure. Yeah.","start_word":3699,"end_word":3752,"sentiment":"neutral","sentiment_score":-0.13612436834308836},{"text":"Yep. Fantastic.","start_word":3753,"end_word":3754,"sentiment":"positive","sentiment_score":0.5269604921340942},{"text":"To give you a little bit of an idea, now Bennelong was originally put in there as more of an actively managed investment.","start_word":3755,"end_word":3777,"sentiment":"neutral","sentiment_score":0.28916025161743164},{"text":"An active manager is supposed to try and outperform against the market all the index that they're tracking.","start_word":3778,"end_word":3795,"sentiment":"positive","sentiment_score":0.3413882851600647},{"text":"Yep. Because Bennelong haven't been able to do that, we do wanna look at removing them. But because you are getting closer to the age of 60, you know, you are getting closer to being able to access super in the event that you you you decided to not work or you're unable to work, Mhmm. did you want me to maybe look at something a bit more passively managed a bit cheaper to put in its place, or did you want some more active management in there? What would you In my honest opinion, when we're getting a little bit older, when we are kind of in our late fifties and early sixties, it does become a bit more about risk mitigation. So trying to lower the overall risk of the portfolio, maybe saving a bit on investment fees as well and having more money retained in the portfolio compounding. Mhmm. So I'd be more inclined to go that passive manner, look at something a bit low risk for you, a bit low cost, but it is up to you at the same time, Ricky. So the returns, though, wanting something like that, I don't know. Usually, it's great, are they? Oh, not necessarily. So returns on passively managed funds can actually outperform against the market over the longer term much more than active managers can. Okay. The main difference is active managers are buying and selling, trying to pick the tops and the bottoms of the market, trying to find when to get into certain investments, and that's how they're trying to outperform against the market. Whereas actively managed funds like index funds, you're essentially tracking an index and participating in the market and just doing what the market does.","start_word":3796,"end_word":4087,"sentiment":"neutral","sentiment_score":0.062994584441185},{"text":"And more often than not, you can actually outperform a lot better or get greater returns just by participating in the market than active managers do.","start_word":4088,"end_word":4113,"sentiment":"positive","sentiment_score":0.42639485001564026},{"text":"Okay. Yep. Yeah. Yeah. Yeah. No worries at all.","start_word":4114,"end_word":4122,"sentiment":"neutral","sentiment_score":0.2069326788187027},{"text":"That's thanks a lot.","start_word":4123,"end_word":4126,"sentiment":"positive","sentiment_score":0.6562314033508301},{"text":"It's a way to Yeah. go then.","start_word":4127,"end_word":4133,"sentiment":"neutral","sentiment_score":0.303037166595459},{"text":"It's a bit safer, Excellent. and if the returns are there, that's even better.","start_word":4134,"end_word":4147,"sentiment":"positive","sentiment_score":0.5567802786827087},{"text":"Yeah. Well, I'll go and have a look at the options. We do have a couple of options that I've been looking at to replace those investments passively for a lot of my older clients. So I can have a look at what's low cost, look at what's been performing better for you, and also sorta keep you on track for your retirement there. Okay. Mhmm. Mhmm.","start_word":4148,"end_word":4214,"sentiment":"neutral","sentiment_score":0.23715785145759585},{"text":"Beautiful. Excellent.","start_word":4215,"end_word":4216,"sentiment":"positive","sentiment_score":0.5383477210998535},{"text":"Now the other thing to sorta give you an update on is the insurance side of things. So I know we had retained Colonial First State. I do need to update the research with them, but the last sort of information I have here was that the life in TPD, in the event of passing, your life cover was with a sum insured of 568,000, and you have the same level of TPD. What was your goal with your life cover if something was to happen? What was it that you realistically wanted that to cover and pay out for you? Look after Cal, basically. Yeah. Pay up the debts. Yep. And I would, you know, potentially leave Kel with basically, even with Super as a as a as a thing, Mhmm. it's I know a lot of people wanna use it retirement, whatever. So I think it's a fail safe for Cal. If I do fall ill and whatever and pass away, that's my concern Yep. to go straight to to Cal to look Yep. after Yep. Cal. Yeah. Obviously, we've got a $450, mileage, Yeah. but something like that would not straight off the top of it. So, you know, I know Yeah. she's right. She could Yeah. either she could either maintain or keep the property, sell it, walk away with money, whatever my main Mhmm. priority is to to Looking after her. she's alright. And then, you know, we we do pay off the mortgage or whatever, then basically, we'll see Yep. again my kids split up Yeah. or we use it Yep. for traveling or in the trailer or anything like that. Absolutely. No. Definitely. So with the current value that I can see here, essentially, that would cover the cost of the mortgage. And then with your super balance paid out from Colonial First Day and Hub twenty four, that's another I know I need to update the Colonial First State balance here in front of me, but I had about 21 last year, so it's probably almost double that now. So the $1.77 plus, say, another 20 or 30,000 on top of that would give her an extra buffer an extra buffer to sort of take some time off and and look at what she wants to do moving forward. Do you feel that's fairly comfortable with that level? Yes. Yes. I Yes. gotta be careful Beautiful. I gotta be careful with the insurance as well. You you did notice that we we never renewed it.","start_word":4217,"end_word":4639,"sentiment":"neutral","sentiment_score":0.03630093438881086},{"text":"And the reason is I broke my back two, three years ago.","start_word":4640,"end_word":4651,"sentiment":"negative","sentiment_score":-0.3571039140224457},{"text":"Yeah. Okay. And that's current level is I'm still insured at that. If I redid it, it would be a whole different scenario. Oh, absolutely. Yeah. Yeah. So the cover you'd have within Colonial First State is definitely more group cover. It's a lot cheaper if you were to try and get more cover now with your current injuries. There would be exclusions, possible loadings, and the cover would be a lot more expensive than what you're paying in Colonial as well. Exactly. So, No. It's I was 80. It's just the main time that but we'll yes, cover the original absolutely. one.","start_word":4652,"end_word":4754,"sentiment":"neutral","sentiment_score":0.007627662271261215},{"text":"Yeah. And I would more than happily keep that going the way it is for you.","start_word":4755,"end_word":4770,"sentiment":"positive","sentiment_score":0.6817240118980408},{"text":"Keeping the cover you have now with no exclusions or loadings is definitely better than having exclusions or loadings down the track, especially with where you are and with what the load the exclusion would be with your back and what Yep. you do for like, you're probably more likely to claim for back injuries. So yeah. No. Definitely. With your total permanent disability cover, you do have the same sum insured as your life cover. Are you happy to retain that you're not wanting to look at anything additional down the track or alter that level? Nothing. Not really. No. That's okay. And with your income protection there, it's a essentially, currently, with what I have in front of me here showing a monthly benefit, if in the event you are unable to work, this is pretax of $3,727.74 on a monthly basis.","start_word":4771,"end_word":4914,"sentiment":"neutral","sentiment_score":-0.00922399666160345},{"text":"I know getting new income protection in your late fifties is extremely expensive, and because you've had that past injury, there are loadings and impossible exclusions that sort of factor in.","start_word":4915,"end_word":4945,"sentiment":"negative","sentiment_score":-0.3738057017326355},{"text":"Yep. But pretax, like, I mean, if you were to say get $3,000 a month, would that sort of cover some of your monthly expenditure? Do you have enough to sort of fall back on in the rate draw to to act as a buffer with the income protection benefit? $3 a month. Yeah. It's small. Yeah. It's probably a bit lower than Yeah. Does Okay. does Kelly work as well? Okay. She She doesn't see. Yep. does work? Yeah. She doesn't see this. So Yep. so her income could still be coming in as well. Do you think that $3 plus anything in your age order cover you and maybe her income would be sufficient? Or That was that was the part. Yeah. that would suffice? Yeah.","start_word":4946,"end_word":5073,"sentiment":"neutral","sentiment_score":-0.02981760911643505},{"text":"Perfect.","start_word":5074,"end_word":5074,"sentiment":"positive","sentiment_score":0.3681390583515167},{"text":"That was the part. Yeah.","start_word":5075,"end_word":5079,"sentiment":"neutral","sentiment_score":0.07058246433734894},{"text":"It is tough. I know looking at new income protection would probably be the better way to go, but it would be expensive and there would be exclusions given your current, you know, your previous injuries there. So it would be very expensive to look into new cover.","start_word":5080,"end_word":5127,"sentiment":"negative","sentiment_score":-0.42920196056365967},{"text":"So if we can find a way to certainly help you, we would.","start_word":5128,"end_word":5140,"sentiment":"positive","sentiment_score":0.5670240521430969},{"text":"With the the other thing is if once you hit 60, if you're unable to go back to work again because you have an injury or illness, Yep. we can actually get you access to your super as well. So there is a kind of a buffer there if anything was to happen after you turn 60. Okay? Yep. Yep. And having a look at things at the moment, you're 59 this year. Good Today. night. Today.","start_word":5141,"end_word":5217,"sentiment":"neutral","sentiment_score":0.057886991649866104},{"text":"Happy Thank birthday.","start_word":5218,"end_word":5220,"sentiment":"positive","sentiment_score":0.4570371806621551},{"text":"I'm so sorry we're you. doing it on your birthday on your birthday.","start_word":5221,"end_word":5233,"sentiment":"neutral","sentiment_score":0.08249077200889587},{"text":"So good. So good.","start_word":5234,"end_word":5237,"sentiment":"positive","sentiment_score":0.4163398742675781},{"text":"Wow. I'm so sorry. I didn't even look at the date properly. I was like, wow.","start_word":5238,"end_word":5253,"sentiment":"neutral","sentiment_score":-0.1612768918275833},{"text":"How terrible am I?","start_word":5254,"end_word":5257,"sentiment":"negative","sentiment_score":-0.40620657801628113},{"text":"I'm so oh, happy birthday. 59. So look. If you can get through this year with the insurance cover you have, next year, there could be a point where we're able to consolidate. You may not need to have insurances after that point. It's Yep. just about looking at what your debt levels are and what we can do to sort of help you down the track there. Okay? Yep. Yep.","start_word":5258,"end_word":5328,"sentiment":"neutral","sentiment_score":0.107220821082592},{"text":"Perfect.","start_word":5329,"end_word":5329,"sentiment":"positive","sentiment_score":0.42980825901031494},{"text":"So I'll look to retain the cover you have in Colonial First Day. I'll get my team to send out a new authority to collect. We'll get you to sign and return that back for us so we can seek and make sure we have everything updated there. I will also, after the call, just send out the will information for you just as a talking point. Yep. I don't expect in any way that you'll wanna take up the speak to the solicitors, but it gives you a bit of a talking point and a bit of a costing to compare against. And if it's okay, we do also need to get an updated copy of your driver's license. It looks like it has expired on file, and it is really important that us and your super funds do have an updated copy of your driver's license Yep. for identification. So I'll just get you to email me back a copy of that if you can. Or is it better if I get someone to text you? What's easier for you? Either way, text is fine. Do that, and I'll Yep. take a take a photo and send it through.","start_word":5330,"end_word":5530,"sentiment":"neutral","sentiment_score":0.07352149779375512},{"text":"Beautiful. Beautiful. Now you've had a really good return there.","start_word":5531,"end_word":5540,"sentiment":"positive","sentiment_score":0.7112792134284973},{"text":"I'm having a bit of look at your portfolio, and we're gonna look at retaining the insurances. I'll also do some research on Colonial First State and see how those investments are working for you over there. Maybe as part of the advice, we'll look to update things that way for you. With your portfolio in Super, you are in a balanced growth environment. So when you sort of consider the risk level out of, say, five, you're in a bit of a three there. So we it's in between sort of a two and a three, realistically. You're kind of middle of the range there, so you generally see 70% of your super invest in growth assets. That's things like Australian shares, international shares, listed property, and commodities, and then the other 30% invested in defensive assets, the cash, bonds, and fixed interest there. With this balance growth sort of area, you realistically can expect a negative return, say, one in every four to five years. And, realistically, we're sort of chasing returns of around about sort of six to 7% on a yearly basis depending on what the market does. And you can be invested in this portfolio when you're sort of about five years away from wanting to access so far. So that's the general time horizon that we're sort of expecting for this investment portfolio here. So, realistically, with your goal of 67, you definitely have that time horizon. Even if you were, say, wanting to try and access some of your super or slow down at 65, you still kinda have that time horizon there ahead of you. Yep. Do you feel like that's probably a good goal, tracking forward around '65 to sixty seven to slow down, or would you wanna kinda slow down a little earlier than that? No. No. I didn't write in before that. No. That's okay.","start_word":5541,"end_word":5856,"sentiment":"neutral","sentiment_score":0.04617519725019796},{"text":"That's not a problem at all.","start_word":5857,"end_word":5862,"sentiment":"positive","sentiment_score":0.4067346751689911},{"text":"So we'll say we've got about sort of five to six to seven years ahead of us there.","start_word":5863,"end_word":5880,"sentiment":"neutral","sentiment_score":0.25909510254859924},{"text":"Beautiful.","start_word":5881,"end_word":5881,"sentiment":"positive","sentiment_score":0.6739199161529541},{"text":"If you with what's happening in the market at the moment, I don't know if you watch the news on a regular basis, but with what has been happening. Hey, There's Alex. been a How lot are you going doing? on. Hey. If you if we sort of did see this will continue for a bit longer, if we did see a lot of, you know, short term volatility moving forward and say your portfolio dropped by, say, 10 or 20% over the course of the next year. Because you're not wanting to access super, you have time on your side to allow it to kinda go through the motions and come back before you actually actually taking your super. But how do you Mhmm. think that kind of a job might make you feel? Do you think you'd be wanting to call and find out what's happening? Are you a bit concerned, or are you just Yes. not really worried? You're not taking money out just yet? How do you think you might I'll take feel? the money here yet, but it's always. Yeah. Yep. Obviously, over this over the years, I've dropped with global financial things. I've dropped Yeah. money here and there at times, and it's always Yep. a big Yep. concern, especially now, as you said, getting older. So it's Yeah.","start_word":5882,"end_word":6106,"sentiment":"neutral","sentiment_score":-0.1072765737771988},{"text":"always a concern and what the government's doing.","start_word":6107,"end_word":6114,"sentiment":"negative","sentiment_score":-0.4012541174888611},{"text":"You just don't know what's happening. Yeah. Yeah. Absolutely. Absolutely. When you think about the sort of returns you're chasing on a yearly basis from your super, are you sort of chasing the highest returns you can, or are you fairly comfortable taking a moderate amount of risk and maybe getting returns of, say, six to eight, four to six, or two to 4% on a yearly basis moving forward? Yep. The motorist. Yep. The moderate? Yeah. Do you think Yep. you'd be comfortable with, say, six to 8% per year, four to 6% per year, two to four Yep. percent per year? What's your comfort level? I would be. Yep. Six, seven, to 10. Yep. Yep. Yep. Yeah.","start_word":6115,"end_word":6233,"sentiment":"neutral","sentiment_score":0.019568707167851824},{"text":"Perfect. Perfect.","start_word":6234,"end_word":6235,"sentiment":"positive","sentiment_score":0.41468918323516846},{"text":"And I've got down here sort of looking at the way things are. You're getting a bit older. I'd sort of say that if markets did take a bit of a dip, whilst you're not accessing to for the moment, you'd feel a bit cautious about that. Am I right in sort of a bit cautious Yep. or concerned about what's Yep. happening? Yeah. Yeah.","start_word":6236,"end_word":6300,"sentiment":"neutral","sentiment_score":-0.1300506740808487},{"text":"Beautiful. Lovely.","start_word":6301,"end_word":6302,"sentiment":"positive","sentiment_score":0.3752759099006653},{"text":"And the last question here is have you ever thought about taking out a loan in order to invest in shares or manage funds? I'm sort of taking no for that one. Just Yep. checking. Yep. No. And you've only ever wanted to borrow. You've got your main primary residence there, not looking to borrow for anything else in the future? No. The only thing we could do a couple of reno's. We're both Yeah. get to the Yep. bathroom and there's a little bit outside, but Yep. we're having just to That's do that okay. on top on on the side. But really nothing else that we use to Yep. do that. Oh. No. Of course. Mhmm. Yeah.","start_word":6303,"end_word":6421,"sentiment":"neutral","sentiment_score":-0.02682301588356495},{"text":"All good, Ricky.","start_word":6422,"end_word":6424,"sentiment":"positive","sentiment_score":0.368833065032959},{"text":"Well, you have scored there in that risk profile questionnaire as a moderate investor. So that balanced growth portfolio does realistically suit your time horizon with where you're at. Are you fairly comfortable staying with that sort of seventy thirty asset allocation, or did you wanna maybe look at reducing it a bit further and maybe stepping down a risk level? How do you sort of feel?","start_word":6425,"end_word":6491,"sentiment":"neutral","sentiment_score":0.11266263674444228},{"text":"No. I ain't comfortable with it. But, again, pretty volatile for these guys.","start_word":6492,"end_word":6504,"sentiment":"negative","sentiment_score":-0.4565978944301605},{"text":"Yep. Yeah. It's hard to say. Could've should've order. Well, yeah. I mean, the other option is if you like, because I could always drop you down one level, more to the balance sort of area, which is you kinda go from that 70% in growth assets to about 60%. So it is more of just a slight drop down, about a 10% drop in those growth investments. You bring up your defensive by Yep. that 10% area. The expected return we're kinda chasing is around about five to 7% with this, so a bit lower than where we would be expecting in the balanced growth portfolio. And this sort of portfolio, the balanced area sort of suits someone who's about three years away from accessing super.","start_word":6505,"end_word":6631,"sentiment":"neutral","sentiment_score":-0.07391450554132462},{"text":"And the likelihood of a negative return is more one in seven years.","start_word":6632,"end_word":6644,"sentiment":"negative","sentiment_score":-0.39788007736206055},{"text":"So you are taking a bit less risk in the market, seeing a little bit less volatility. Being really open and honest, you are dropping risk that way, so the returns are expected drop a little bit. However, your 4% for this year is a bit low for all the portfolios. It's just that the volatility that's been going on globally with the war in Iran and The US as well as the high inflation we're seeing here. But it really is up to you as well. If you wanted, you could stay in the balanced growth environment for maybe another sort of six to twelve months. We could catch up in six months and see how you're feeling about things and maybe look at adjusting it then. It's honestly up to you. I kinda like Better ID. Yep. Yep. Yep.","start_word":6645,"end_word":6785,"sentiment":"neutral","sentiment_score":0.0497250072658062},{"text":"Perfect.","start_word":6786,"end_word":6786,"sentiment":"positive","sentiment_score":0.48140227794647217},{"text":"The What other would sort of thing I like to think about is if you're not making additional contributions to super, we wanna make the ones that you are making work a bit harder. So sticking to that Yep. for six months, you can always ring me and tell me you're not comfortable, and we can always reevaluate that. Yep. Okay? Yep.","start_word":6787,"end_word":6848,"sentiment":"neutral","sentiment_score":-0.05376925043040706},{"text":"Beautiful. Excellent.","start_word":6849,"end_word":6850,"sentiment":"positive","sentiment_score":0.6530920267105103},{"text":"So what I'll do, I'll go back and do some research around the balance growth environment. I'll look at what you've got, adjust and update the advice there for you. We'll go through that together, and you can tell me what your thoughts are around the advice I'm providing. Because you are closer to accessing super, I can also factor in to a limited scope sort of the retirement aspect, so you can sort of see where you might be tracking for at the moment just to give you a bit of an idea. Tracking for at Mhmm. the moment just to give you a bit of an idea. We did have originally, you were kind of wanting to access when you access super draw down income about a thousand dollars a week. Is that sort of what you're thinking you'd be tracking for at the moment, or did you wanna alter that goal a little bit? No. That's good.","start_word":6851,"end_word":7010,"sentiment":"neutral","sentiment_score":0.07458950579166412},{"text":"Excellent.","start_word":7011,"end_word":7011,"sentiment":"positive","sentiment_score":0.4535606503486634},{"text":"And other goals I had down here from the past, you noted that you wanted to finish tackling the renovations. You've made mention you've got some more renovations to do. You still still have those as a a lot medium term goal? Yeah. We do. We're hoping to be Yep. able to do that. We're hoping to be able to just come up with the money and just do that without Yep. the bank alone or anything of that nature. Yep. Absolutely. I'm lucky I can do most of the work myself. Yeah. Nice. So I won't quit, but it's always costly. Yeah. No. Absolutely. Other than that, I had down here that you're, again, just wanting to pay down the mortgage as much as possible. Essentially, it was over the next five years. That was sort of last year there. So you still from what we've discussed, it was still got that goal to reduce the mortgage as much as possible. Sorry. And then utilizing the motor home was the other thing we had noted down here and taking some travels, and this four days away sounds amazing. Yes. It's just the smaller the smallest sort of bites at the moment, but Yeah. the bigger ones will come. Yeah.","start_word":7012,"end_word":7221,"sentiment":"neutral","sentiment_score":0.06909956862883908},{"text":"Absolutely. No. Perfect. Fantastic.","start_word":7222,"end_word":7225,"sentiment":"positive","sentiment_score":0.5686325430870056},{"text":"The only other thing to let you know is we'll send out an annual review pack to you shortly. You do pay for our services and keeping us with your advisers and updating the advice. We do charge an ongoing service fee just to kinda go through and make sure you're fully aware of that. It is 1.65% per annum. That 4% I gave you as a positive return was net of our fee as well. So we always wanna make sure that your super is making the 1.65% for the year and then additional growth on top of that. And with our ongoing service fee, it fluctuates the market. So because it's a percentage based fee, that 1.65% is per annum. So then it's deducted in smaller monthly increments out of your super in smaller amounts, and our fee fluctuates with the market. So when the market's doing really well, our fee is gonna be slightly higher. However, when the market does take a bit of a dip, it means that our fee takes a bit of a dip there with it as well. So just to make sure we're fully across everything for you. We'll also have those reports. I'll have an updated super balance with your Colonial First State and Hub twenty four in there for you, and also the reports I went through with regards to your Hub twenty four super, the returns, and the portfolio, and how that's been tracking. My team also did put our financial services guide in there for you, which outlines everything about who we are, what we do, how we do it. Has a lovely picture of me in there for you if you wanna see what No. I look like. No worries. We could set And as you I'm sound a lot younger than you said you were.","start_word":7226,"end_word":7534,"sentiment":"neutral","sentiment_score":0.14259731769561768},{"text":"thank you. Thank you. I'll take it.","start_word":7535,"end_word":7541,"sentiment":"positive","sentiment_score":0.4272376298904419},{"text":"And, honestly, it's also got my registration in there for you as well because I am a full licensed adviser. So I Yep. do like to, you know, make sure you're aware I am licensed. My license number is in there. It's 1304394. So if you ever wanted to look me up, you absolutely can. Mhmm. And in the meantime, we'll get that sent out to you. It'll come through via email if you can sign and return it back. I'll send the other email for you as well, and I'll get the team to send you a text just asking for your ID shortly. And Yep. then I'll get stuck into some research for you, and I'll find out what's going on and update the advice for you. Okay? Yeah.","start_word":7542,"end_word":7672,"sentiment":"neutral","sentiment_score":0.08356542140245438},{"text":"Fantastic. Beautiful.","start_word":7673,"end_word":7674,"sentiment":"positive","sentiment_score":0.5642605423927307},{"text":"Sounds Is there anything I haven't touched on that you maybe wanted touch on with regard to your super or good. anything of our services or your review? No. Thank you pretty much, Calvin Everland.","start_word":7675,"end_word":7709,"sentiment":"neutral","sentiment_score":0.08385416120290756},{"text":"Oh, fantastic. Well, thank you so much. Look. I will let you go. Enjoy your birthday. I hope you're going out for dinner or doing something fun.","start_word":7710,"end_word":7736,"sentiment":"positive","sentiment_score":0.4617540240287781},{"text":"Kids coming around for tea at home. Oh, that's beautiful. Are they all left home? They're all older now? Yeah. Yep. They're all Yep. my eldest is 40, and Wow. and the youngest, I think, is 20. Yep. Wow. They grow I up do. so fast. Yes. I do. All good, Ricky. Look.","start_word":7737,"end_word":7789,"sentiment":"neutral","sentiment_score":0.10027231276035307},{"text":"Thank you so much for taking my call. I really appreciate it. I'll update the advice and make sure we touch base in six months, and I'll do get all those other emails and things together for you.","start_word":7790,"end_word":7827,"sentiment":"positive","sentiment_score":0.42096009850502014},{"text":"If you have any questions in the meantime or feel there's something we didn't touch on or want me to follow-up on anything, please let me know.","start_word":7828,"end_word":7854,"sentiment":"neutral","sentiment_score":0.18045233190059665},{"text":"I'm always here and happy to help.","start_word":7855,"end_word":7861,"sentiment":"positive","sentiment_score":0.5360714197158813},{"text":"Okay? No worries.","start_word":7862,"end_word":7864,"sentiment":"neutral","sentiment_score":0.28156358003616333},{"text":"Thank you so much for your time. You enjoy your night. Thank you.","start_word":7865,"end_word":7877,"sentiment":"positive","sentiment_score":0.5411133170127869},{"text":"See you. Bye. Thanks. See you later. Bye.","start_word":7878,"end_word":7885,"sentiment":"neutral","sentiment_score":0.22673998773097992}],"average":{"sentiment":"neutral","sentiment_score":0.06006448008877513}}}}