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I wasn't quite sure. So oh, no. Who'd you change to? Oh, yeah. Okay. Optus. I think yep. Okay. Yeah. They're generally pretty good. Hopefully, it sorts itself out for you. Yeah. That's understandable. I'll try and make this very quick for you because I know that you have the family in the car. So I just need to go through and just double check some of the personal information of kin is your of kin is your wife's your wife with her phone number ending in 110? Beautiful. And it looks like the last time we spoke, you have two children. Is that still the case, or have you had any more? Yeah? A little boy, girl, both? Oh, bless. What are their names? Oh, such beautiful names. I love them. Oh, with your occupation, are you still employed with Christian Funeral? Yes. Okay. Yep. Okay. It's just a new location. So would it Chris Christian Funeral still be your employer or InvoCare? Yep. Fantastic. And how long have you been with them for? Since oh, I'm sorry. I've got it since September 2023. Is that right? Beautiful. And are you in the new location? Are you still gonna be full time with forty hours a week? Fantastic. Moving along, what is your gross income? Okay. Okay. Okay. That's okay. Now with what's included in your EBA? Do you know at the off the top of your head? No? Okay. Is are you are you paid any additional super, or is it just the standard 12%? Yep. Beautiful. Okay. Do you have any idea what your expenditure is per week? So expenses, like, just combined? It doesn't have to be broken down or anything if you're not sure. Yep. Yeah. Of course. Yep. Yep. Yep. Okay. Beautiful. And what about savings? Are you having any are you able to do any savings per week or per fortnight? Yep. Yep. Just into a savings account? Yep. Beautiful. Alright. Besides the super contribution that your employer do you make any additional to super? No. Great. Moving on to assets and liabilities, we have a car here valued at about $26,000 with a debt attached of 25. Have those figures changed? Or yeah. Yeah. And you don't know do you know off the top of your head what the debt is? Okay. Alright. So you've only had it for twelve months, like, roughly? Yes. Allowing for interest. Yeah. Okay. Do you have any other assets or debts outside of the car? Yeah. Okay. No worries. Do you know how much that is or how how much you've got left owing or how much you're paying? Yep. And do you pay any regular amount? Okay. Beautiful. Alright. And have you sorry to ask this question, but it's one of the ones that we've gotta check. Have you ever been declared bankrupt? And are you a tax resident of any country outside of Australia? Nope. Beautiful. Okeydokely. Now I hear you on that one. It's quite expensive, isn't it? Do you have a will or power of attorney in place? Yep. Okay. Yep. Okay. And do you have a power of attorney? No. Okay. Being within the occupation you are, I'm sure you're aware of what a power of attorney is, so I probably don't need to educate you on that. Fantastic. Is it something you're go you're looking at doing or getting in place? Okay. That's yeah. Okay. And did you get a copy of the will, or did was it emailed to you? Or okay. If after this conversation, if it's okay, I might email you and see if, when you do have some time, if you can download that for me and send us a copy. Because the reason why is if anything happens to you, if we do have a copy of it on file, we know who your executor is. And even though your wife is listed as your next of kin, without those documents, we can't actually speak to her. So if we've got it on file, it'll make it does make that that difficult period a lot easier. So I'll just make a note to send you an email to get a copy of that for file. Perfect. I'm just gonna revert back to the goals and objectives you had from your last review and just see if they're still relevant or if there's any more that you wish to add in. So one was that within the next five years, you wanna purchase a house and you want advice on how the first homeowner super saver scheme and the first homeowner grant works. Is that still a priority for you right now? Mhmm. Is it and then it's still a five year time frame, or has that reduced? Okay. Okay. Fantastic. I will leave that one there. You have said that in your retirement, you want your debts paid off, and you won't be able to live comfortably and have enough money in your super to not have to work later in life so you can spend your time in retirement, enjoying your family. You have retirement age at 67 needing $1,000 per week. Do you still think that is what you're aiming for? Yep. Do you think 67 is still appropriate, or would you like it less? Yes. Yep. Yep. Okay. Yep. But your ideal one would be 67 or earlier if possible? Yep. Okay. Fantastic. And if you were to increase it to a thousand dollars a week I mean, increase it from a thousand dollars a week, Is that what would you increase that to? And is that to cover a retirement income for you and your wife or just for yourself with I mean, would she have superannuation to access as well so you can combine it together for an income stream, or is this just based on a combined income? Yep. Yeah. Mhmm. Mhmm. Yep. Perfect. Alright. Beautiful. And then the other goal we had was that you wanted to get advice on an appropriate level of income for your life, typically, and income protection. You didn't wanna pay a large amount in premiums, and you're happy with your insurance. So there was no changes recommended from your insurance. So I'll work through those amounts with you in a moment to make sure that you're still comfortable with them. But outside of those, is there any new goals and objectives that you really wanna look at addressing in the meantime? No? Yeah. Of course. Okay. Fantastic. What I have when you have a chance, when you are not driving, you will see an email in your inbox, and it will be from Odoo sign. And that this is just your review pack. So what you'll need do is I'm gonna run through it verbally with you on the phone now, but you'll need to open it. And it's a sign it's an electronic signature document, but it won't allow you to sign anything until you get to the very end. So there's gonna be some documents which will run over your balance. So it'll give you a brief overview view of your balance in hub twenty four and then your insurances. So in hub at the moment, you've as of the August 27, the balance is sitting at $85,630. And your insurance yeah. And your insurance policy policies are with ClearView, and your life insurance is sitting at $596,166 with the same level of cover for your total and permanent disablement. And we have your income protection at $5,239 per month with a thirty day waiting period and a five year benefit period. So what that means is if you are unable to work due to injury or illness, if you think of the waiting period similar to an excess, you've gotta wait for thirty days with no income, and then you'll start getting paid post that. And it's generally the thirty days after that. You'll they'll pay it monthly to you. That yeah. So that premium is 2,200 and $31, and that's funded from hub twenty four, your superannuation balance at the present moment. The next document you'll come across is the performance of your super fund at the moment. You're currently a growth you're invested as a growth investor, which means we have 80% of your investments allocated to growth. The growth sector, which is international Australian shares and property, and then 20% allocated to defensive assets such as fixed interest and cash. Overall, your portfolio in the last twelve months has returned net of fees, 5.64%. It falls a little bit short of the average return for a growth portfolio, which we see generally sit between seven to 9%. There is a reason for it, and you'll see when you have a look at these documents. One of the funds, it's the one at the very top, is called the Bennelong Australian Equities Fund, and it has experienced a significant loss or negative return, let's call it, of about 17% for the last twelve months. Now to put that in context, it's not that the Australian share market has performed badly. It's that Benelong's approach to well, their mandate to investment in that fund is to identify companies in Australia that are undervalued and that have the ability for significant growth. Unfortunately, it hasn't been prosperous for them in the last twelve months twelve plus months. And instead, the market has really favored the banks and the the top big companies. So what we're doing for our clients is our investment committee has decided that, although there's nothing wrong with Bennelong at all, but due to underperformance, we're looking at other options for our clients just to look at have a look out there and see if there's anything better that can we can look at replacing it with to help achieve your goals and objectives. So we we're obviously gonna experience losses. The market goes up and down. But when it becomes a long term experience, we look at ways that we can replace that. So if you're happy for me to investigate that a little bit, that's gonna be one of my jobs post hour of you just to look at what other options are there to replace that then along fund for you. Beautiful. Well, that's what we're here for, to help guide you and give you the advice to make sure that it's not obviously, performance is important, but it's also about making informed decisions, and that's what we're here to help with, just helping you make those informed decisions. The other investment option that I would like to personally look at is the bank hybrids. Now the Australian banking system will be those out as an investment option from January 2027. It's not operating at a loss or anything of that nature. However, at some point in time, they are going to be phased out and replaced with something else. I would like to conduct a little bit of research to see if now is a good time to potentially replace that or whether we hold for a little bit. So with your permission, I'd like to have a look at that one as well if you're comfortable with that. Beautiful. Thank you. Alright. The rest of your portfolio is performing extremely well. You've got quite a few satellite investments in there. You've got some which are more niche type sectors, I guess, we'd call them. So you've got global cyber in there. You've got some exposure to that, some battery tech and lithium. So your electric cars, which, you know, have had a great bump in the last little bit. You've got some gold yeah. And you've got some gold exposure along with some property exposure. Now at the moment, the property return is down a little bit. It's changed from last week, and that's just market fluctuation, which we would expect in the growth sectors. So there's no that's nothing that I'm concerned about. That's just, for me, the ups and downs of the market. So outside of those other two, quite happy with your portfolio, and I would I'll just go to work and get reviewing on those two that we mentioned. The next thank you. Yep. Perfect. So the next document in the packet is just a it's called the 2026 Vanguard index chart. It just show it's just a bit of an illustrative chart for our that we share with our clients to just show how the markets react. So the top four assets in the down the right hand column are your gross assets, and the bottom two are your defensive assets. So it just gives you a bit of a as an idea that 80% of your assets or your funds are in the top four. So you can see the volatility that it can experience over time that held for the long term. It usually turns out to be a better outcome. So the next document is a certificate certificate of currency for your insurance policy. So it just shows you a rundown of what those sums insured are that we went over before. The only thing I will note is that you don't have a trauma insurance policy. Has anyone spoke to you about that previously? That's fine. That's absolutely fine. I'll give you a quick really quick overview of it just so you're you can make a decision as to whether it's something you wanna look into further. Basically, what a trauma policy is is it is a lump sum tax free payment to an individual when they are diagnosed with a specific claimable condition. So they can range from different types of cancers, heart attack, and stroke, for example. And there are different gradings as to when you meet the claim approval process. And it covers it's designed to cover items such as out of pocket medical expenses, a recovery period before you return to work because, typically, what we find is that someone that claims on a trauma policy may not it may not necessarily be terminal. They just need some time to recover, and their income protection may not cover what they actually need to. So the as trauma is tax free, it is paid out of personal cash flow. So that's the other consideration to take. Well, the other matter to consider is that it will come out it will need to be funded by personal cash flow, but it's also a pretty important policy to have. So is that something you wanna look at now or later on down the track? Yep. That's okay. Yeah. Yep. I'll put I'll see if I can sorry. I I'll what I'll do is I'll see if I can put together some information for you and send that through in the same email when we ask for the will with some material for you to have a read about. Beautiful. The next document in the pack is our financial services guide. It is a regulatory document that we're required to share with all of our clients. It will just tell you who we are, who we're licensed by, and that we're licensed through. It will give you a little bit of information on the services we provide and how we do provide advice, fees and charges, and also important for clients is the complaints handling process. So if you are unhappy, how you go about sharing that and then other other ways if it's not met to your expectation. Yep. Yes. Yep. Took the words right out of my mouth that I were was unable to verbalize. Thank you. I can imagine. I can imagine. Yeah. And the final two documents in the pack are the ones that require signing. So one of them will be provide your tax file number. The reason why we have that on file, it's already prefilled for you. It's because we don't it's the only place we hold it, and the reason we do is to provide to hub twenty four. So and the insurance companies to ensure that you're not taxed at a higher well, your superannuation isn't taxed at a higher rate being that, you know, how it works if you don't provide your tax cell number. So if you can sign that one through the electronic signature system, that would be great. And the last one is your ongoing your consent to the new ongoing fee arrangement. So all that so you'll notice it's the the bottom the the box in the bottom of the page, on the first page of that document has the amount. It's $1,412.90 per annum. Now that is then divided by 12 and deducted from your hub twenty four account on a monthly basis, and that is a fixed fee. So it's not gonna vary based on the market, for example. So if, for for example, you had a fantastic year, it's gonna be 1.65% of your fantastic year. That's it's a fixed flat fee. So that will be reviewed every year as you come up for your annual review. But what that translates to is a $117.74 per month from your super fund. And what that allows you to do is phone off at any time, ask questions. If you've come across a new area or advice that you need, we're here. You're not just set to the the one annual review per year. It's entirely up to you as to how often and how much you you'd like to engage us or any advice you need. Alright. Do you have any other questions? Can you can you also get one on your hands on one for me too, please? Yep. Perfect. Well, I will I've got I've got a few action items on my end. Like, we will likely recommend to replace those two those two investment options I spoke about, you know, pending that they're gonna put you in a better outcome, whatever we look at. So what will happen from here is, I guess, the best way to contact you is that email or phone? Email. Because I'll reach out and let you know we'll have to have another catch up on the phone, but we can arrange that through I'll converse with you via email to arrange that just to present any changes that we would recommend that you do, and we can go from there if you're happy with that. Yep. Yeah. Yeah. I do recall you saying that. Yes. Yeah. Yep. That's no. That's absolutely fine. I'm flexible and can work around you. Two last questions I have. Are you happy to keep your review frequency at an annual basis, or would you like it more frequent? Beautiful. And, also, that we've discussed the the as like, the the split between the 80 to 20 to your gross to defensive assets, are you happy to keep it at that, or did you wanna look at increasing your exposure to growth assets, or you're comfortable keeping them where they are for the time being? Fantastic. Alright. I am going to get to work on what I need to do. Before I before we finish up, I'll just get you to sign those documents once you've had a review of them. And if you've got any questions, by all means, if you before signing them, give me a call, and I'd be happy to talk through them with you. And then lastly, any other questions from yourself? Fantastic. Well, thank you so much, David, for your time, and my apologies to your family and your your wife and your children. And you're sorry? Yeah. Oh, well, thank you for making the time. We appreciate it, and I'll be in contact soon. Thank you. Enjoy your afternoon. 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David. How are you? Yeah. It went quiet on my end and did the same thing, so I thought I thought I'd just leave it for a little bit. Maybe there was a service issue on my end or your end.\n\nI wasn't quite sure. So oh, no. Who'd you change to? Oh, yeah. Okay.\n\nOptus. I think yep. Okay. Yeah. They're generally pretty good.\n\nHopefully, it sorts itself out for you. Yeah. That's understandable. I'll try and make this very quick for you because I know that you have the family in the car. So I just need to go through and just double check some of the personal information of kin is your of kin is your wife's your wife with her phone number ending in 110?\n\nBeautiful. And it looks like the last time we spoke, you have two children. Is that still the case, or have you had any more? Yeah? A little boy, girl, both?\n\nOh, bless. What are their names? Oh, such beautiful names. I love them. Oh, with your occupation, are you still employed with Christian Funeral?\n\nYes. Okay. Yep. Okay. It's just a new location.\n\nSo would it Chris Christian Funeral still be your employer or InvoCare? Yep. Fantastic. And how long have you been with them for? Since oh, I'm sorry.\n\nI've got it since September 2023. Is that right? Beautiful. And are you in the new location? Are you still gonna be full time with forty hours a week?\n\nFantastic. Moving along, what is your gross income? Okay. Okay. Okay.\n\nThat's okay. Now with what's included in your EBA? Do you know at the off the top of your head? No? Okay.\n\nIs are you are you paid any additional super, or is it just the standard 12%? Yep. Beautiful. Okay. Do you have any idea what your expenditure is per week?\n\nSo expenses, like, just combined? It doesn't have to be broken down or anything if you're not sure. Yep. Yeah. Of course.\n\nYep. Yep. Yep. Okay. Beautiful.\n\nAnd what about savings? Are you having any are you able to do any savings per week or per fortnight? Yep. Yep. Just into a savings account?\n\nYep. Beautiful. Alright. Besides the super contribution that your employer do you make any additional to super? No.\n\nGreat. Moving on to assets and liabilities, we have a car here valued at about $26,000 with a debt attached of 25. Have those figures changed? Or yeah. Yeah.\n\nAnd you don't know do you know off the top of your head what the debt is? Okay. Alright. So you've only had it for twelve months, like, roughly? Yes.\n\nAllowing for interest. Yeah. Okay. Do you have any other assets or debts outside of the car? Yeah.\n\nOkay. No worries. Do you know how much that is or how how much you've got left owing or how much you're paying? Yep. And do you pay any regular amount?\n\nOkay. Beautiful. Alright. And have you sorry to ask this question, but it's one of the ones that we've gotta check. Have you ever been declared bankrupt?\n\nAnd are you a tax resident of any country outside of Australia? Nope. Beautiful. Okeydokely. Now I hear you on that one.\n\nIt's quite expensive, isn't it? Do you have a will or power of attorney in place? Yep. Okay. Yep.\n\nOkay. And do you have a power of attorney? No. Okay. Being within the occupation you are, I'm sure you're aware of what a power of attorney is, so I probably don't need to educate you on that.\n\nFantastic. Is it something you're go you're looking at doing or getting in place? Okay. That's yeah. Okay.\n\nAnd did you get a copy of the will, or did was it emailed to you? Or okay. If after this conversation, if it's okay, I might email you and see if, when you do have some time, if you can download that for me and send us a copy. Because the reason why is if anything happens to you, if we do have a copy of it on file, we know who your executor is. And even though your wife is listed as your next of kin, without those documents, we can't actually speak to her.\n\nSo if we've got it on file, it'll make it does make that that difficult period a lot easier. So I'll just make a note to send you an email to get a copy of that for file. Perfect. I'm just gonna revert back to the goals and objectives you had from your last review and just see if they're still relevant or if there's any more that you wish to add in. So one was that within the next five years, you wanna purchase a house and you want advice on how the first homeowner super saver scheme and the first homeowner grant works.\n\nIs that still a priority for you right now? Mhmm. Is it and then it's still a five year time frame, or has that reduced? Okay. Okay.\n\nFantastic. I will leave that one there. You have said that in your retirement, you want your debts paid off, and you won't be able to live comfortably and have enough money in your super to not have to work later in life so you can spend your time in retirement, enjoying your family. You have retirement age at 67 needing $1,000 per week. Do you still think that is what you're aiming for?\n\nYep. Do you think 67 is still appropriate, or would you like it less? Yes. Yep. Yep.\n\nOkay. Yep. But your ideal one would be 67 or earlier if possible? Yep. Okay.\n\nFantastic. And if you were to increase it to a thousand dollars a week I mean, increase it from a thousand dollars a week, Is that what would you increase that to? And is that to cover a retirement income for you and your wife or just for yourself with I mean, would she have superannuation to access as well so you can combine it together for an income stream, or is this just based on a combined income? Yep. Yeah.\n\nMhmm. Mhmm. Yep. Perfect. Alright.\n\nBeautiful. And then the other goal we had was that you wanted to get advice on an appropriate level of income for your life, typically, and income protection. You didn't wanna pay a large amount in premiums, and you're happy with your insurance. So there was no changes recommended from your insurance. So I'll work through those amounts with you in a moment to make sure that you're still comfortable with them.\n\nBut outside of those, is there any new goals and objectives that you really wanna look at addressing in the meantime? No? Yeah. Of course. Okay.\n\nFantastic. What I have when you have a chance, when you are not driving, you will see an email in your inbox, and it will be from Odoo sign. And that this is just your review pack. So what you'll need do is I'm gonna run through it verbally with you on the phone now, but you'll need to open it. And it's a sign it's an electronic signature document, but it won't allow you to sign anything until you get to the very end.\n\nSo there's gonna be some documents which will run over your balance. So it'll give you a brief overview view of your balance in hub twenty four and then your insurances. So in hub at the moment, you've as of the August 27, the balance is sitting at $85,630. And your insurance yeah. And your insurance policy policies are with ClearView, and your life insurance is sitting at $596,166 with the same level of cover for your total and permanent disablement.\n\nAnd we have your income protection at $5,239 per month with a thirty day waiting period and a five year benefit period. So what that means is if you are unable to work due to injury or illness, if you think of the waiting period similar to an excess, you've gotta wait for thirty days with no income, and then you'll start getting paid post that. And it's generally the thirty days after that. You'll they'll pay it monthly to you. That yeah.\n\nSo that premium is 2,200 and $31, and that's funded from hub twenty four, your superannuation balance at the present moment. The next document you'll come across is the performance of your super fund at the moment. You're currently a growth you're invested as a growth investor, which means we have 80% of your investments allocated to growth. The growth sector, which is international Australian shares and property, and then 20% allocated to defensive assets such as fixed interest and cash. Overall, your portfolio in the last twelve months has returned net of fees, 5.64%.\n\nIt falls a little bit short of the average return for a growth portfolio, which we see generally sit between seven to 9%. There is a reason for it, and you'll see when you have a look at these documents. One of the funds, it's the one at the very top, is called the Bennelong Australian Equities Fund, and it has experienced a significant loss or negative return, let's call it, of about 17% for the last twelve months. Now to put that in context, it's not that the Australian share market has performed badly. It's that Benelong's approach to well, their mandate to investment in that fund is to identify companies in Australia that are undervalued and that have the ability for significant growth.\n\nUnfortunately, it hasn't been prosperous for them in the last twelve months twelve plus months. And instead, the market has really favored the banks and the the top big companies. So what we're doing for our clients is our investment committee has decided that, although there's nothing wrong with Bennelong at all, but due to underperformance, we're looking at other options for our clients just to look at have a look out there and see if there's anything better that can we can look at replacing it with to help achieve your goals and objectives. So we we're obviously gonna experience losses. The market goes up and down.\n\nBut when it becomes a long term experience, we look at ways that we can replace that. So if you're happy for me to investigate that a little bit, that's gonna be one of my jobs post hour of you just to look at what other options are there to replace that then along fund for you. Beautiful. Well, that's what we're here for, to help guide you and give you the advice to make sure that it's not obviously, performance is important, but it's also about making informed decisions, and that's what we're here to help with, just helping you make those informed decisions. The other investment option that I would like to personally look at is the bank hybrids.\n\nNow the Australian banking system will be those out as an investment option from January 2027. It's not operating at a loss or anything of that nature. However, at some point in time, they are going to be phased out and replaced with something else. I would like to conduct a little bit of research to see if now is a good time to potentially replace that or whether we hold for a little bit. So with your permission, I'd like to have a look at that one as well if you're comfortable with that.\n\nBeautiful. Thank you. Alright. The rest of your portfolio is performing extremely well. You've got quite a few satellite investments in there.\n\nYou've got some which are more niche type sectors, I guess, we'd call them. So you've got global cyber in there. You've got some exposure to that, some battery tech and lithium. So your electric cars, which, you know, have had a great bump in the last little bit. You've got some gold yeah.\n\nAnd you've got some gold exposure along with some property exposure. Now at the moment, the property return is down a little bit. It's changed from last week, and that's just market fluctuation, which we would expect in the growth sectors. So there's no that's nothing that I'm concerned about. That's just, for me, the ups and downs of the market.\n\nSo outside of those other two, quite happy with your portfolio, and I would I'll just go to work and get reviewing on those two that we mentioned. The next thank you. Yep. Perfect. So the next document in the packet is just a it's called the 2026 Vanguard index chart.\n\nIt just show it's just a bit of an illustrative chart for our that we share with our clients to just show how the markets react. So the top four assets in the down the right hand column are your gross assets, and the bottom two are your defensive assets. So it just gives you a bit of a as an idea that 80% of your assets or your funds are in the top four. So you can see the volatility that it can experience over time that held for the long term. It usually turns out to be a better outcome.\n\nSo the next document is a certificate certificate of currency for your insurance policy. So it just shows you a rundown of what those sums insured are that we went over before. The only thing I will note is that you don't have a trauma insurance policy. Has anyone spoke to you about that previously? That's fine.\n\nThat's absolutely fine. I'll give you a quick really quick overview of it just so you're you can make a decision as to whether it's something you wanna look into further. Basically, what a trauma policy is is it is a lump sum tax free payment to an individual when they are diagnosed with a specific claimable condition. So they can range from different types of cancers, heart attack, and stroke, for example. And there are different gradings as to when you meet the claim approval process.\n\nAnd it covers it's designed to cover items such as out of pocket medical expenses, a recovery period before you return to work because, typically, what we find is that someone that claims on a trauma policy may not it may not necessarily be terminal. They just need some time to recover, and their income protection may not cover what they actually need to. So the as trauma is tax free, it is paid out of personal cash flow. So that's the other consideration to take. Well, the other matter to consider is that it will come out it will need to be funded by personal cash flow, but it's also a pretty important policy to have.\n\nSo is that something you wanna look at now or later on down the track? Yep. That's okay. Yeah. Yep.\n\nI'll put I'll see if I can sorry. I I'll what I'll do is I'll see if I can put together some information for you and send that through in the same email when we ask for the will with some material for you to have a read about. Beautiful. The next document in the pack is our financial services guide. It is a regulatory document that we're required to share with all of our clients.\n\nIt will just tell you who we are, who we're licensed by, and that we're licensed through. It will give you a little bit of information on the services we provide and how we do provide advice, fees and charges, and also important for clients is the complaints handling process. So if you are unhappy, how you go about sharing that and then other other ways if it's not met to your expectation. Yep. Yes.\n\nYep. Took the words right out of my mouth that I were was unable to verbalize. Thank you. I can imagine. I can imagine.\n\nYeah. And the final two documents in the pack are the ones that require signing. So one of them will be provide your tax file number. The reason why we have that on file, it's already prefilled for you. It's because we don't it's the only place we hold it, and the reason we do is to provide to hub twenty four.\n\nSo and the insurance companies to ensure that you're not taxed at a higher well, your superannuation isn't taxed at a higher rate being that, you know, how it works if you don't provide your tax cell number. So if you can sign that one through the electronic signature system, that would be great. And the last one is your ongoing your consent to the new ongoing fee arrangement. So all that so you'll notice it's the the bottom the the box in the bottom of the page, on the first page of that document has the amount. It's $1,412.90 per annum.\n\nNow that is then divided by 12 and deducted from your hub twenty four account on a monthly basis, and that is a fixed fee. So it's not gonna vary based on the market, for example. So if, for for example, you had a fantastic year, it's gonna be 1.65% of your fantastic year. That's it's a fixed flat fee. So that will be reviewed every year as you come up for your annual review.\n\nBut what that translates to is a $117.74 per month from your super fund. And what that allows you to do is phone off at any time, ask questions. If you've come across a new area or advice that you need, we're here. You're not just set to the the one annual review per year. It's entirely up to you as to how often and how much you you'd like to engage us or any advice you need.\n\nAlright. Do you have any other questions? Can you can you also get one on your hands on one for me too, please? Yep. Perfect.\n\nWell, I will I've got I've got a few action items on my end. Like, we will likely recommend to replace those two those two investment options I spoke about, you know, pending that they're gonna put you in a better outcome, whatever we look at. So what will happen from here is, I guess, the best way to contact you is that email or phone? Email. Because I'll reach out and let you know we'll have to have another catch up on the phone, but we can arrange that through I'll converse with you via email to arrange that just to present any changes that we would recommend that you do, and we can go from there if you're happy with that.\n\nYep. Yeah. Yeah. I do recall you saying that. Yes.\n\nYeah. Yep. That's no. That's absolutely fine. I'm flexible and can work around you.\n\nTwo last questions I have. Are you happy to keep your review frequency at an annual basis, or would you like it more frequent? Beautiful. And, also, that we've discussed the the as like, the the split between the 80 to 20 to your gross to defensive assets, are you happy to keep it at that, or did you wanna look at increasing your exposure to growth assets, or you're comfortable keeping them where they are for the time being? Fantastic.\n\nAlright. I am going to get to work on what I need to do. Before I before we finish up, I'll just get you to sign those documents once you've had a review of them. And if you've got any questions, by all means, if you before signing them, give me a call, and I'd be happy to talk through them with you. And then lastly, any other questions from yourself?\n\nFantastic. Well, thank you so much, David, for your time, and my apologies to your family and your your wife and your children. And you're sorry? Yeah. Oh, well, thank you for making the time.\n\nWe appreciate it, and I'll be in contact soon. Thank you. Enjoy your afternoon. Bye.","paragraphs":[{"sentences":[{"text":"Hi, David.","start":1.52,"end":2.42,"sentiment":"neutral","sentiment_score":0.17696405947208405},{"text":"How are you?","start":2.56,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.1985814025004705},{"text":"Yeah.","start":8.559999,"end":8.88,"sentiment":"neutral","sentiment_score":-0.11674059927463531},{"text":"It went quiet on my end and did the same thing, so I thought I thought I'd just leave it for a little bit.","start":8.88,"end":13.755,"sentiment":"neutral","sentiment_score":-0.14381051994860172},{"text":"Maybe there was a service issue on my end or your end.","start":13.755,"end":17.515,"sentiment":"neutral","sentiment_score":-0.21674189840753874}],"sentiment":"neutral","sentiment_score":-0.12427198886871338,"num_words":42,"start":1.52,"end":17.515},{"sentences":[{"text":"I wasn't quite sure.","start":17.515,"end":18.795,"sentiment":"neutral","sentiment_score":-0.170709028840065},{"text":"So oh, no.","start":18.795,"end":26.555,"sentiment":"neutral","sentiment_score":-0.08985960980256398},{"text":"Who'd you change to?","start":26.555,"end":27.859999,"sentiment":"neutral","sentiment_score":-0.08975385688245296},{"text":"Oh, yeah.","start":30.24,"end":30.88,"sentiment":"neutral","sentiment_score":-0.019500103779137135},{"text":"Okay.","start":30.88,"end":31.279999,"sentiment":"neutral","sentiment_score":-0.01009535789489746}],"sentiment":"neutral","sentiment_score":-0.09718042412506682,"num_words":14,"start":17.515,"end":31.279999},{"sentences":[{"text":"Optus.","start":31.279999,"end":31.759998,"sentiment":"neutral","sentiment_score":0.004758112598210573},{"text":"I think yep.","start":31.759998,"end":32.739998,"sentiment":"neutral","sentiment_score":-0.004781435554226239},{"text":"Okay.","start":32.8,"end":33.3,"sentiment":"neutral","sentiment_score":0.014369331300258636},{"text":"Yeah.","start":33.44,"end":33.76,"sentiment":"neutral","sentiment_score":0.045580316334962845},{"text":"They're generally pretty good.","start":33.76,"end":34.879997,"sentiment":"positive","sentiment_score":0.4424470439553261}],"sentiment":"neutral","sentiment_score":0.18201516293920578,"num_words":10,"start":31.279999,"end":34.879997},{"sentences":[{"text":"Hopefully, it sorts itself out for you.","start":34.879997,"end":36.899998,"sentiment":"neutral","sentiment_score":0.31511194578238894},{"text":"Yeah.","start":43.175,"end":43.675,"sentiment":"neutral","sentiment_score":0.0021444056183099747},{"text":"That's understandable.","start":44.055,"end":44.875,"sentiment":"neutral","sentiment_score":0.000043987296521663666},{"text":"I'll try and make this very quick for you because I know that you have the family in the car.","start":46.375,"end":50.555,"sentiment":"neutral","sentiment_score":0.020922820270061492},{"text":"So I just need to go through and just double check some of the personal information of kin is your of kin is your wife's your wife with her phone number ending in 110?","start":50.934998,"end":76.115,"sentiment":"neutral","sentiment_score":-0.011401759487960269}],"sentiment":"neutral","sentiment_score":0.03498144661716651,"num_words":64,"start":34.879997,"end":76.115},{"sentences":[{"text":"Beautiful.","start":78.655,"end":79.155,"sentiment":"positive","sentiment_score":0.4778813123703003},{"text":"And it looks like the last time we spoke, you have two children.","start":79.455,"end":83.75,"sentiment":"neutral","sentiment_score":0.05834661309535687},{"text":"Is that still the case, or have you had any more?","start":83.89,"end":86.71,"sentiment":"neutral","sentiment_score":0.005976516245441003},{"text":"Yeah?","start":89.409996,"end":89.909996,"sentiment":"neutral","sentiment_score":0.01524985022842884},{"text":"A little boy, girl, both?","start":90.21,"end":92.229996,"sentiment":"neutral","sentiment_score":0.015792949497699736}],"sentiment":"neutral","sentiment_score":0.0450433406137651,"num_words":31,"start":78.655,"end":92.229996},{"sentences":[{"text":"Oh, bless.","start":95.055,"end":105.935,"sentiment":"neutral","sentiment_score":0.16244927793741226},{"text":"What are their names?","start":105.935,"end":106.995,"sentiment":"neutral","sentiment_score":0.0758008286356926},{"text":"Oh, such beautiful names.","start":111.18,"end":112.479996,"sentiment":"positive","sentiment_score":0.6372576057910919},{"text":"I love them.","start":112.7,"end":113.68,"sentiment":"positive","sentiment_score":0.6865864992141724},{"text":"Oh, with your occupation, are you still employed with Christian Funeral?","start":114.619995,"end":124.755005,"sentiment":"neutral","sentiment_score":0.020471277900717476}],"sentiment":"neutral","sentiment_score":0.22758649367218217,"num_words":24,"start":95.055,"end":124.755005},{"sentences":[{"text":"Yes.","start":132.255,"end":132.63,"sentiment":"neutral","sentiment_score":0.025916852056980133},{"text":"Okay.","start":138.47,"end":138.97,"sentiment":"neutral","sentiment_score":-0.028038181364536285},{"text":"Yep.","start":148.23001,"end":148.605,"sentiment":"neutral","sentiment_score":0.04256502538919449},{"text":"Okay.","start":148.685,"end":148.925,"sentiment":"neutral","sentiment_score":0.03381284326314926},{"text":"It's just a new location.","start":148.925,"end":150.305,"sentiment":"neutral","sentiment_score":0.022888679429888724}],"sentiment":"neutral","sentiment_score":0.020966659610470135,"num_words":9,"start":132.255,"end":150.305},{"sentences":[{"text":"So would it Chris Christian Funeral still be your employer or InvoCare?","start":152.605,"end":156.78499,"sentiment":"neutral","sentiment_score":0.030530471975604694},{"text":"Yep.","start":160.045,"end":160.545,"sentiment":"neutral","sentiment_score":0.15659365057945251},{"text":"Fantastic.","start":160.685,"end":161.185,"sentiment":"positive","sentiment_score":0.5250833034515381},{"text":"And how long have you been with them for?","start":163.3,"end":165.54001,"sentiment":"neutral","sentiment_score":0.10159983858466148},{"text":"Since oh, I'm sorry.","start":165.54001,"end":166.42,"sentiment":"neutral","sentiment_score":0.012190836401714478}],"sentiment":"neutral","sentiment_score":0.07448905594840956,"num_words":27,"start":152.605,"end":166.42},{"sentences":[{"text":"I've got it since September 2023.","start":166.42,"end":168.5,"sentiment":"neutral","sentiment_score":0.02569668460637331},{"text":"Is that right?","start":168.5,"end":169.40001,"sentiment":"neutral","sentiment_score":0.051637422293424606},{"text":"Beautiful.","start":171.54001,"end":172.04001,"sentiment":"positive","sentiment_score":0.508438229560852},{"text":"And are you in the new location?","start":172.74,"end":175.16,"sentiment":"neutral","sentiment_score":0.1276777604860919},{"text":"Are you still gonna be full time with forty hours a week?","start":175.22,"end":178.30501,"sentiment":"neutral","sentiment_score":0.061684159406771265}],"sentiment":"neutral","sentiment_score":0.08453396001252635,"num_words":29,"start":166.42,"end":178.30501},{"sentences":[{"text":"Fantastic.","start":180.52501,"end":181.02501,"sentiment":"positive","sentiment_score":0.4874446392059326},{"text":"Moving along, what is your gross income?","start":183.32501,"end":186.785,"sentiment":"neutral","sentiment_score":0.13914106573377336},{"text":"Okay.","start":199.40001,"end":199.90001,"sentiment":"neutral","sentiment_score":0.023586738854646683},{"text":"Okay.","start":204.12001,"end":204.435,"sentiment":"neutral","sentiment_score":0.03597182780504227},{"text":"Okay.","start":209.555,"end":210.055,"sentiment":"neutral","sentiment_score":0.04366303235292435}],"sentiment":"neutral","sentiment_score":0.14224124530499632,"num_words":11,"start":180.52501,"end":210.055},{"sentences":[{"text":"That's okay.","start":213.075,"end":214.055,"sentiment":"neutral","sentiment_score":0.0991598591208458},{"text":"Now with what's included in your EBA?","start":214.595,"end":217.875,"sentiment":"neutral","sentiment_score":0.009981593782348292},{"text":"Do you know at the off the top of your head?","start":217.875,"end":221.36002,"sentiment":"neutral","sentiment_score":-0.018035534938628025},{"text":"No?","start":222.42001,"end":222.92001,"sentiment":"neutral","sentiment_score":-0.031063899397850037},{"text":"Okay.","start":223.14001,"end":223.64001,"sentiment":"neutral","sentiment_score":-0.010792018845677376}],"sentiment":"neutral","sentiment_score":0.001270185097713362,"num_words":22,"start":213.075,"end":223.64001},{"sentences":[{"text":"Is are you are you paid any additional super, or is it just the standard 12%?","start":228.26001,"end":235.095,"sentiment":"neutral","sentiment_score":-0.015813054400496185},{"text":"Yep.","start":238.43501,"end":238.93501,"sentiment":"neutral","sentiment_score":0.12619397044181824},{"text":"Beautiful.","start":238.99501,"end":239.49501,"sentiment":"neutral","sentiment_score":0.2659144401550293},{"text":"Okay.","start":239.79501,"end":240.29501,"sentiment":"neutral","sentiment_score":0.06971526145935059},{"text":"Do you have any idea what your expenditure is per week?","start":242.43501,"end":246.27501,"sentiment":"neutral","sentiment_score":0.023176434195854446}],"sentiment":"neutral","sentiment_score":0.015458519260088602,"num_words":30,"start":228.26001,"end":246.27501},{"sentences":[{"text":"So expenses, like, just combined?","start":246.27501,"end":249.71,"sentiment":"neutral","sentiment_score":0.007716546952724457},{"text":"It doesn't have to be broken down or anything if you're not sure.","start":249.77,"end":252.99,"sentiment":"neutral","sentiment_score":-0.010855979787615629},{"text":"Yep.","start":265.705,"end":266.205,"sentiment":"neutral","sentiment_score":0.00461605517193675},{"text":"Yeah.","start":272.905,"end":273.145,"sentiment":"neutral","sentiment_score":0.020232699811458588},{"text":"Of course.","start":273.145,"end":274.03,"sentiment":"neutral","sentiment_score":0.027954797260463238}],"sentiment":"neutral","sentiment_score":-0.000990302407775413,"num_words":22,"start":246.27501,"end":274.03},{"sentences":[{"text":"Yep.","start":274.03,"end":274.53,"sentiment":"neutral","sentiment_score":0.01291920617222786},{"text":"Yep.","start":275.95,"end":276.45,"sentiment":"neutral","sentiment_score":0.014264052733778954},{"text":"Yep.","start":279.55002,"end":279.79,"sentiment":"neutral","sentiment_score":0.02161765843629837},{"text":"Okay.","start":279.79,"end":280.27002,"sentiment":"neutral","sentiment_score":0.04765781015157699},{"text":"Beautiful.","start":280.27002,"end":280.77002,"sentiment":"neutral","sentiment_score":0.23981058597564697}],"sentiment":"neutral","sentiment_score":0.06725386269390583,"num_words":5,"start":274.03,"end":280.77002},{"sentences":[{"text":"And what about savings?","start":282.11002,"end":283.39,"sentiment":"neutral","sentiment_score":0.07895566895604134},{"text":"Are you having any are you able to do any savings per week or per fortnight?","start":283.39,"end":290.23502,"sentiment":"neutral","sentiment_score":0.035917731816880405},{"text":"Yep.","start":297.49503,"end":297.99503,"sentiment":"neutral","sentiment_score":0.03582528978586197},{"text":"Yep.","start":304.3,"end":304.8,"sentiment":"neutral","sentiment_score":0.01706971973180771},{"text":"Just into a savings account?","start":305.9,"end":307.68,"sentiment":"neutral","sentiment_score":0.02311562616378069}],"sentiment":"neutral","sentiment_score":0.03922146389743796,"num_words":27,"start":282.11002,"end":307.68},{"sentences":[{"text":"Yep.","start":309.18,"end":309.66,"sentiment":"neutral","sentiment_score":0.20492766797542572},{"text":"Beautiful.","start":309.66,"end":310.16,"sentiment":"positive","sentiment_score":0.5709860920906067},{"text":"Alright.","start":311.02,"end":311.52,"sentiment":"neutral","sentiment_score":0.20924556255340576},{"text":"Besides the super contribution that your employer do you make any additional to super?","start":313.9,"end":319.455,"sentiment":"neutral","sentiment_score":0.06434261452938829},{"text":"No.","start":321.51498,"end":322.01498,"sentiment":"neutral","sentiment_score":-0.049499139189720154}],"sentiment":"neutral","sentiment_score":0.10202537704673079,"num_words":18,"start":309.18,"end":322.01498},{"sentences":[{"text":"Great.","start":322.315,"end":322.815,"sentiment":"neutral","sentiment_score":0.2340308129787445},{"text":"Moving on to assets and liabilities, we have a car here valued at about $26,000 with a debt attached of 25.","start":323.835,"end":334.7,"sentiment":"neutral","sentiment_score":0.027752025496392024},{"text":"Have those figures changed?","start":334.76,"end":336.46,"sentiment":"neutral","sentiment_score":-0.00048761372454464436},{"text":"Or yeah.","start":336.6,"end":342.06,"sentiment":"neutral","sentiment_score":-0.006471042521297932},{"text":"Yeah.","start":343.72,"end":344.22,"sentiment":"neutral","sentiment_score":-0.009229227900505066}],"sentiment":"neutral","sentiment_score":0.02733453726074819,"num_words":29,"start":322.315,"end":344.22},{"sentences":[{"text":"And you don't know do you know off the top of your head what the debt is?","start":344.6,"end":351.635,"sentiment":"neutral","sentiment_score":-0.044117131982656085},{"text":"Okay.","start":363.31,"end":363.81,"sentiment":"neutral","sentiment_score":0.003064342774450779},{"text":"Alright.","start":364.75,"end":365.15,"sentiment":"neutral","sentiment_score":0.011952435597777368},{"text":"So you've only had it for twelve months, like, roughly?","start":365.15,"end":369.09,"sentiment":"neutral","sentiment_score":-0.008327378891408443},{"text":"Yes.","start":372.75,"end":373.25,"sentiment":"neutral","sentiment_score":0.003354469314217567}],"sentiment":"neutral","sentiment_score":-0.027163126164426406,"num_words":30,"start":344.6,"end":373.25},{"sentences":[{"text":"Allowing for interest.","start":373.31,"end":376.185,"sentiment":"neutral","sentiment_score":-0.007851177205642065},{"text":"Yeah.","start":376.645,"end":377.145,"sentiment":"neutral","sentiment_score":0.008255711756646633},{"text":"Okay.","start":377.365,"end":377.865,"sentiment":"neutral","sentiment_score":0.012491246685385704},{"text":"Do you have any other assets or debts outside of the car?","start":378.32498,"end":382.025,"sentiment":"neutral","sentiment_score":-0.0015680489595979452},{"text":"Yeah.","start":393.62,"end":394.12,"sentiment":"neutral","sentiment_score":-0.05517849698662758}],"sentiment":"neutral","sentiment_score":-0.004266758759816487,"num_words":18,"start":373.31,"end":394.12},{"sentences":[{"text":"Okay.","start":395.22,"end":395.72,"sentiment":"neutral","sentiment_score":0.001864500343799591},{"text":"No worries.","start":396.02002,"end":396.76,"sentiment":"neutral","sentiment_score":0.008161255158483982},{"text":"Do you know how much that is or how how much you've got left owing or how much you're paying?","start":397.38,"end":402.375,"sentiment":"neutral","sentiment_score":-0.0023654199321754277},{"text":"Yep.","start":408.995,"end":409.495,"sentiment":"neutral","sentiment_score":0.011313258670270445},{"text":"And do you pay any regular amount?","start":411.955,"end":414.01,"sentiment":"neutral","sentiment_score":0.0036535877734422684}],"sentiment":"neutral","sentiment_score":0.0002505479065040427,"num_words":31,"start":395.22,"end":414.01},{"sentences":[{"text":"Okay.","start":418.23,"end":418.73,"sentiment":"neutral","sentiment_score":0.08793425559997559},{"text":"Beautiful.","start":419.11002,"end":419.61002,"sentiment":"neutral","sentiment_score":0.216842919588089},{"text":"Alright.","start":421.03,"end":421.53,"sentiment":"neutral","sentiment_score":0.06803297251462936},{"text":"And have you sorry to ask this question, but it's one of the ones that we've gotta check.","start":422.31,"end":426.885,"sentiment":"neutral","sentiment_score":-0.06676922945512666},{"text":"Have you ever been declared bankrupt?","start":427.285,"end":429.065,"sentiment":"neutral","sentiment_score":-0.0683285774042209}],"sentiment":"neutral","sentiment_score":-0.04588916470055227,"num_words":27,"start":418.23,"end":429.065},{"sentences":[{"text":"And are you a tax resident of any country outside of Australia?","start":431.125,"end":434.905,"sentiment":"neutral","sentiment_score":-0.060366793225208916},{"text":"Nope.","start":436.725,"end":437.20502,"sentiment":"neutral","sentiment_score":-0.05150355398654938},{"text":"Beautiful.","start":437.20502,"end":437.70502,"sentiment":"neutral","sentiment_score":0.07003003358840942},{"text":"Okeydokely.","start":438.245,"end":438.745,"sentiment":"neutral","sentiment_score":-0.011674377135932446},{"text":"Now I hear you on that one.","start":439.65002,"end":445.33002,"sentiment":"neutral","sentiment_score":-0.16398910539490835}],"sentiment":"neutral","sentiment_score":-0.0847942342727699,"num_words":22,"start":431.125,"end":445.33002},{"sentences":[{"text":"It's quite expensive, isn't it?","start":445.33002,"end":447.35,"sentiment":"neutral","sentiment_score":-0.26117886006832125},{"text":"Do you have a will or power of attorney in place?","start":450.69,"end":453.435,"sentiment":"neutral","sentiment_score":-0.016016502271999012},{"text":"Yep.","start":455.275,"end":455.775,"sentiment":"neutral","sentiment_score":-0.0027255024760961533},{"text":"Okay.","start":464.475,"end":464.975,"sentiment":"neutral","sentiment_score":0.07022785395383835},{"text":"Yep.","start":470.89,"end":471.39,"sentiment":"neutral","sentiment_score":0.1278410404920578}],"sentiment":"neutral","sentiment_score":-0.06772275965072606,"num_words":19,"start":445.33002,"end":471.39},{"sentences":[{"text":"Okay.","start":480.425,"end":480.925,"sentiment":"neutral","sentiment_score":0.035417575389146805},{"text":"And do you have a power of attorney?","start":481.385,"end":483.405,"sentiment":"neutral","sentiment_score":0.004655772587284446},{"text":"No.","start":486.345,"end":486.745,"sentiment":"neutral","sentiment_score":-0.11482441425323486},{"text":"Okay.","start":486.745,"end":487.245,"sentiment":"neutral","sentiment_score":-0.05268951132893562},{"text":"Being within the occupation you are, I'm sure you're aware of what a power of attorney is, so I probably don't need to educate you on that.","start":488.425,"end":497.62,"sentiment":"neutral","sentiment_score":-0.04522247750450064}],"sentiment":"neutral","sentiment_score":-0.034627817424112244,"num_words":38,"start":480.425,"end":497.62},{"sentences":[{"text":"Fantastic.","start":500.0,"end":500.5,"sentiment":"positive","sentiment_score":0.6626763939857483},{"text":"Is it something you're go you're looking at doing or getting in place?","start":500.88,"end":505.06,"sentiment":"neutral","sentiment_score":0.28950686982044804},{"text":"Okay.","start":525.87,"end":526.26996,"sentiment":"neutral","sentiment_score":0.00045987777411937714},{"text":"That's yeah.","start":526.26996,"end":528.19,"sentiment":"neutral","sentiment_score":0.012410313822329044},{"text":"Okay.","start":528.19,"end":528.43,"sentiment":"neutral","sentiment_score":0.035395294427871704}],"sentiment":"neutral","sentiment_score":0.24927452786101234,"num_words":18,"start":500.0,"end":528.43},{"sentences":[{"text":"And did you get a copy of the will, or did was it emailed to you?","start":528.43,"end":534.895,"sentiment":"neutral","sentiment_score":0.008569902274757624},{"text":"Or okay.","start":535.515,"end":536.255,"sentiment":"neutral","sentiment_score":0.0349656930193305},{"text":"If after this conversation, if it's okay, I might email you and see if, when you do have some time, if you can download that for me and send us a copy.","start":536.555,"end":545.035,"sentiment":"neutral","sentiment_score":0.07171889266464859},{"text":"Because the reason why is if anything happens to you, if we do have a copy of it on file, we know who your executor is.","start":545.035,"end":553.36005,"sentiment":"neutral","sentiment_score":-0.04075230092096787},{"text":"And even though your wife is listed as your next of kin, without those documents, we can't actually speak to her.","start":553.36005,"end":561.10504,"sentiment":"neutral","sentiment_score":-0.11143697674075763}],"sentiment":"neutral","sentiment_score":-0.0092544530700777,"num_words":97,"start":528.43,"end":561.10504},{"sentences":[{"text":"So if we've got it on file, it'll make it does make that that difficult period a lot easier.","start":561.10504,"end":568.24506,"sentiment":"neutral","sentiment_score":0.03756750213276399},{"text":"So I'll just make a note to send you an email to get a copy of that for file.","start":568.465,"end":578.79004,"sentiment":"neutral","sentiment_score":0.08025226800849564},{"text":"Perfect.","start":578.79004,"end":579.29004,"sentiment":"neutral","sentiment_score":0.06571739166975021},{"text":"I'm just gonna revert back to the goals and objectives you had from your last review and just see if they're still relevant or if there's any more that you wish to add in.","start":580.31,"end":593.745,"sentiment":"neutral","sentiment_score":0.12152855361209196},{"text":"So one was that within the next five years, you wanna purchase a house and you want advice on how the first homeowner super saver scheme and the first homeowner grant works.","start":594.04504,"end":605.33,"sentiment":"neutral","sentiment_score":0.18879088037647307}],"sentiment":"neutral","sentiment_score":0.11883401923058998,"num_words":105,"start":561.10504,"end":605.33},{"sentences":[{"text":"Is that still a priority for you right now?","start":605.33,"end":607.83,"sentiment":"neutral","sentiment_score":0.16653766400284237},{"text":"Mhmm.","start":618.145,"end":618.645,"sentiment":"neutral","sentiment_score":0.02234392613172531},{"text":"Is it and then it's still a five year time frame, or has that reduced?","start":619.025,"end":622.48505,"sentiment":"neutral","sentiment_score":-0.02307571830848853},{"text":"Okay.","start":628.145,"end":628.44,"sentiment":"neutral","sentiment_score":0.15267455577850342},{"text":"Okay.","start":628.92,"end":629.08,"sentiment":"positive","sentiment_score":0.3784938156604767}],"sentiment":"neutral","sentiment_score":0.06319316662847996,"num_words":27,"start":605.33,"end":629.08},{"sentences":[{"text":"Fantastic.","start":629.08,"end":629.58,"sentiment":"positive","sentiment_score":0.6784371733665466},{"text":"I will leave that one there.","start":629.64,"end":631.34,"sentiment":"positive","sentiment_score":0.5531720817089081},{"text":"You have said that in your retirement, you want your debts paid off, and you won't be able to live comfortably and have enough money in your super to not have to work later in life so you can spend your time in retirement, enjoying your family.","start":633.16,"end":647.555,"sentiment":"positive","sentiment_score":0.4136552946998718},{"text":"You have retirement age at 67 needing $1,000 per week.","start":647.855,"end":653.055,"sentiment":"neutral","sentiment_score":0.030919539369642736},{"text":"Do you still think that is what you're aiming for?","start":653.055,"end":656.97003,"sentiment":"neutral","sentiment_score":-0.01179570034146309}],"sentiment":"neutral","sentiment_score":0.31933117438913194,"num_words":74,"start":629.08,"end":656.97003},{"sentences":[{"text":"Yep.","start":664.39,"end":664.89,"sentiment":"neutral","sentiment_score":-0.09923331439495088},{"text":"Do you think 67 is still appropriate, or would you like it less?","start":665.19,"end":669.015,"sentiment":"neutral","sentiment_score":-0.10207747123562373},{"text":"Yes.","start":679.335,"end":679.835,"sentiment":"neutral","sentiment_score":-0.017422091215848923},{"text":"Yep.","start":685.01996,"end":685.51996,"sentiment":"neutral","sentiment_score":-0.039772626012563705},{"text":"Yep.","start":688.77997,"end":689.26,"sentiment":"neutral","sentiment_score":-0.03493579849600792}],"sentiment":"neutral","sentiment_score":-0.0893159385989694,"num_words":17,"start":664.39,"end":689.26},{"sentences":[{"text":"Okay.","start":689.26,"end":689.76,"sentiment":"neutral","sentiment_score":-0.033861201256513596},{"text":"Yep.","start":695.98,"end":696.315,"sentiment":"neutral","sentiment_score":0.005796349607408047},{"text":"But your ideal one would be 67 or earlier if possible?","start":696.395,"end":699.855,"sentiment":"neutral","sentiment_score":0.004129713909192519},{"text":"Yep.","start":701.915,"end":702.395,"sentiment":"neutral","sentiment_score":0.07556820660829544},{"text":"Okay.","start":702.395,"end":702.795,"sentiment":"neutral","sentiment_score":0.27053898572921753}],"sentiment":"neutral","sentiment_score":0.024231279579301674,"num_words":15,"start":689.26,"end":702.795},{"sentences":[{"text":"Fantastic.","start":702.795,"end":703.295,"sentiment":"positive","sentiment_score":0.4737423956394195},{"text":"And if you were to increase it to a thousand dollars a week I mean, increase it from a thousand dollars a week, Is that what would you increase that to?","start":703.755,"end":713.31,"sentiment":"neutral","sentiment_score":0.07383322030786545},{"text":"And is that to cover a retirement income for you and your wife or just for yourself with I mean, would she have superannuation to access as well so you can combine it together for an income stream, or is this just based on a combined income?","start":713.31,"end":732.575,"sentiment":"neutral","sentiment_score":0.09599311227731883},{"text":"Yep.","start":739.69,"end":740.19,"sentiment":"neutral","sentiment_score":-0.05864168331027031},{"text":"Yeah.","start":753.30505,"end":753.80505,"sentiment":"neutral","sentiment_score":0.029420139268040657}],"sentiment":"neutral","sentiment_score":0.08944477726141979,"num_words":81,"start":702.795,"end":753.80505},{"sentences":[{"text":"Mhmm.","start":764.45,"end":764.95,"sentiment":"neutral","sentiment_score":0.02881761454045773},{"text":"Mhmm.","start":781.34503,"end":781.84503,"sentiment":"neutral","sentiment_score":0.0896466001868248},{"text":"Yep.","start":781.905,"end":782.305,"sentiment":"neutral","sentiment_score":0.26982611417770386},{"text":"Perfect.","start":782.305,"end":782.805,"sentiment":"positive","sentiment_score":0.6701201796531677},{"text":"Alright.","start":785.86,"end":786.34,"sentiment":"positive","sentiment_score":0.6883716583251953}],"sentiment":"positive","sentiment_score":0.3493564333766699,"num_words":5,"start":764.45,"end":786.34},{"sentences":[{"text":"Beautiful.","start":786.34,"end":786.84,"sentiment":"positive","sentiment_score":0.7906914949417114},{"text":"And then the other goal we had was that you wanted to get advice on an appropriate level of income for your life, typically, and income protection.","start":787.38,"end":794.68,"sentiment":"neutral","sentiment_score":0.28293524737711306},{"text":"You didn't wanna pay a large amount in premiums, and you're happy with your insurance.","start":795.62,"end":799.56,"sentiment":"neutral","sentiment_score":0.20553512374560037},{"text":"So there was no changes recommended from your insurance.","start":799.62,"end":804.33496,"sentiment":"neutral","sentiment_score":-0.02756970955265893},{"text":"So I'll work through those amounts with you in a moment to make sure that you're still comfortable with them.","start":805.515,"end":809.935,"sentiment":"neutral","sentiment_score":0.20792820826172828}],"sentiment":"neutral","sentiment_score":0.21421398346622786,"num_words":72,"start":786.34,"end":809.935},{"sentences":[{"text":"But outside of those, is there any new goals and objectives that you really wanna look at addressing in the meantime?","start":810.235,"end":818.43,"sentiment":"neutral","sentiment_score":0.04116724626648994},{"text":"No?","start":822.25,"end":822.75,"sentiment":"neutral","sentiment_score":-0.06114507839083672},{"text":"Yeah.","start":825.53,"end":825.85004,"sentiment":"neutral","sentiment_score":0.04131905734539032},{"text":"Of course.","start":825.85004,"end":826.51,"sentiment":"neutral","sentiment_score":0.07628684863448143},{"text":"Okay.","start":826.65,"end":827.15,"sentiment":"neutral","sentiment_score":0.2541468143463135}],"sentiment":"neutral","sentiment_score":0.04813102546792764,"num_words":26,"start":810.235,"end":827.15},{"sentences":[{"text":"Fantastic.","start":827.45,"end":827.95,"sentiment":"positive","sentiment_score":0.54315185546875},{"text":"What I have when you have a chance, when you are not driving, you will see an email in your inbox, and it will be from Odoo sign.","start":828.815,"end":839.775,"sentiment":"neutral","sentiment_score":0.11291286588779517},{"text":"And that this is just your review pack.","start":839.775,"end":842.095,"sentiment":"neutral","sentiment_score":0.1395281795412302},{"text":"So what you'll need do is I'm gonna run through it verbally with you on the phone now, but you'll need to open it.","start":842.095,"end":849.15,"sentiment":"neutral","sentiment_score":0.05867857183329761},{"text":"And it's a sign it's an electronic signature document, but it won't allow you to sign anything until you get to the very end.","start":849.15,"end":855.97003,"sentiment":"neutral","sentiment_score":-0.08322073172894306}],"sentiment":"neutral","sentiment_score":0.0497873611666043,"num_words":85,"start":827.45,"end":855.97003},{"sentences":[{"text":"So there's gonna be some documents which will run over your balance.","start":856.585,"end":862.745,"sentiment":"neutral","sentiment_score":-0.0831722008685271},{"text":"So it'll give you a brief overview view of your balance in hub twenty four and then your insurances.","start":862.745,"end":868.845,"sentiment":"neutral","sentiment_score":0.014296441486007288},{"text":"So in hub at the moment, you've as of the August 27, the balance is sitting at $85,630.","start":869.225,"end":877.21,"sentiment":"neutral","sentiment_score":0.0122064177153839},{"text":"And your insurance yeah.","start":877.75,"end":879.69,"sentiment":"neutral","sentiment_score":0.048253181390464306},{"text":"And your insurance policy policies are with ClearView, and your life insurance is sitting at $596,166 with the same level of cover for your total and permanent disablement.","start":880.15,"end":894.185,"sentiment":"neutral","sentiment_score":0.015427902274365937}],"sentiment":"neutral","sentiment_score":0.0014601911843558889,"num_words":81,"start":856.585,"end":894.185},{"sentences":[{"text":"And we have your income protection at $5,239 per month with a thirty day waiting period and a five year benefit period.","start":894.96497,"end":905.17004,"sentiment":"neutral","sentiment_score":0.008751711384816603},{"text":"So what that means is if you are unable to work due to injury or illness, if you think of the waiting period similar to an excess, you've gotta wait for thirty days with no income, and then you'll start getting paid post that.","start":905.23004,"end":918.525,"sentiment":"neutral","sentiment_score":-0.22654577818783847},{"text":"And it's generally the thirty days after that.","start":918.525,"end":920.84503,"sentiment":"neutral","sentiment_score":-0.036159148439764977},{"text":"You'll they'll pay it monthly to you.","start":920.84503,"end":922.945,"sentiment":"neutral","sentiment_score":-0.025561503001621792},{"text":"That yeah.","start":924.24005,"end":925.60004,"sentiment":"neutral","sentiment_score":0.0902944952249527}],"sentiment":"neutral","sentiment_score":-0.1212420639503433,"num_words":83,"start":894.96497,"end":925.60004},{"sentences":[{"text":"So that premium is 2,200 and $31, and that's funded from hub twenty four, your superannuation balance at the present moment.","start":925.60004,"end":937.38,"sentiment":"neutral","sentiment_score":0.05803512533505758},{"text":"The next document you'll come across is the performance of your super fund at the moment.","start":940.665,"end":944.845,"sentiment":"neutral","sentiment_score":0.06071290769614279},{"text":"You're currently a growth you're invested as a growth investor, which means we have 80% of your investments allocated to growth.","start":945.225,"end":953.245,"sentiment":"neutral","sentiment_score":0.05997264633576075},{"text":"The growth sector, which is international Australian shares and property, and then 20% allocated to defensive assets such as fixed interest and cash.","start":954.26,"end":963.08,"sentiment":"neutral","sentiment_score":0.05214959561176922},{"text":"Overall, your portfolio in the last twelve months has returned net of fees, 5.64%.","start":965.78,"end":973.495,"sentiment":"neutral","sentiment_score":-0.07050492508070809}],"sentiment":"neutral","sentiment_score":0.03854675238069735,"num_words":95,"start":925.60004,"end":973.495},{"sentences":[{"text":"It falls a little bit short of the average return for a growth portfolio, which we see generally sit between seven to 9%.","start":974.195,"end":982.375,"sentiment":"neutral","sentiment_score":-0.2505783490512682},{"text":"There is a reason for it, and you'll see when you have a look at these documents.","start":983.12,"end":986.58,"sentiment":"neutral","sentiment_score":-0.04830840690171018},{"text":"One of the funds, it's the one at the very top, is called the Bennelong Australian Equities Fund, and it has experienced a significant loss or negative return, let's call it, of about 17% for the last twelve months.","start":987.04,"end":1002.355,"sentiment":"neutral","sentiment_score":-0.25346944185021597},{"text":"Now to put that in context, it's not that the Australian share market has performed badly.","start":1003.135,"end":1009.49005,"sentiment":"negative","sentiment_score":-0.33948824275285006},{"text":"It's that Benelong's approach to well, their mandate to investment in that fund is to identify companies in Australia that are undervalued and that have the ability for significant growth.","start":1010.11005,"end":1025.125,"sentiment":"neutral","sentiment_score":-0.0957625038921833}],"sentiment":"neutral","sentiment_score":-0.19819632142782212,"num_words":125,"start":974.195,"end":1025.125},{"sentences":[{"text":"Unfortunately, it hasn't been prosperous for them in the last twelve months twelve plus months.","start":1025.6649,"end":1032.1649,"sentiment":"negative","sentiment_score":-0.46597527066866556},{"text":"And instead, the market has really favored the banks and the the top big companies.","start":1032.72,"end":1037.7,"sentiment":"neutral","sentiment_score":-0.24240785737832388},{"text":"So what we're doing for our clients is our investment committee has decided that, although there's nothing wrong with Bennelong at all, but due to underperformance, we're looking at other options for our clients just to look at have a look out there and see if there's anything better that can we can look at replacing it with to help achieve your goals and objectives.","start":1037.84,"end":1061.6749,"sentiment":"neutral","sentiment_score":-0.07684680997179105},{"text":"So we we're obviously gonna experience losses.","start":1062.1901,"end":1064.8301,"sentiment":"neutral","sentiment_score":-0.09877787157893181},{"text":"The market goes up and down.","start":1064.8301,"end":1066.4501,"sentiment":"neutral","sentiment_score":-0.17452029635508856}],"sentiment":"neutral","sentiment_score":-0.16073478192642884,"num_words":108,"start":1025.6649,"end":1066.4501},{"sentences":[{"text":"But when it becomes a long term experience, we look at ways that we can replace that.","start":1066.91,"end":1078.585,"sentiment":"neutral","sentiment_score":-0.052638747455442655},{"text":"So if you're happy for me to investigate that a little bit, that's gonna be one of my jobs post hour of you just to look at what other options are there to replace that then along fund for you.","start":1078.585,"end":1089.18,"sentiment":"neutral","sentiment_score":0.06667855307459832},{"text":"Beautiful.","start":1093.3201,"end":1093.8201,"sentiment":"positive","sentiment_score":0.49193352460861206},{"text":"Well, that's what we're here for, to help guide you and give you the advice to make sure that it's not obviously, performance is important, but it's also about making informed decisions, and that's what we're here to help with, just helping you make those informed decisions.","start":1100.735,"end":1118.04,"sentiment":"neutral","sentiment_score":0.2928358623956112},{"text":"The other investment option that I would like to personally look at is the bank hybrids.","start":1118.98,"end":1126.44,"sentiment":"neutral","sentiment_score":0.16091457847505808}],"sentiment":"neutral","sentiment_score":0.1537366589177246,"num_words":121,"start":1066.91,"end":1126.44},{"sentences":[{"text":"Now the Australian banking system will be those out as an investment option from January 2027.","start":1126.98,"end":1135.355,"sentiment":"neutral","sentiment_score":0.14232154516503215},{"text":"It's not operating at a loss or anything of that nature.","start":1135.895,"end":1140.715,"sentiment":"negative","sentiment_score":-0.3513951870528134},{"text":"However, at some point in time, they are going to be phased out and replaced with something else.","start":1141.495,"end":1148.21,"sentiment":"neutral","sentiment_score":-0.27427593453062904},{"text":"I would like to conduct a little bit of research to see if now is a good time to potentially replace that or whether we hold for a little bit.","start":1148.59,"end":1156.91,"sentiment":"neutral","sentiment_score":-0.00908602960407734},{"text":"So with your permission, I'd like to have a look at that one as well if you're comfortable with that.","start":1156.91,"end":1165.225,"sentiment":"neutral","sentiment_score":0.06213683262467384}],"sentiment":"neutral","sentiment_score":-0.05847382518021684,"num_words":95,"start":1126.98,"end":1165.225},{"sentences":[{"text":"Beautiful.","start":1165.225,"end":1165.725,"sentiment":"positive","sentiment_score":0.7185226678848267},{"text":"Thank you.","start":1166.105,"end":1166.925,"sentiment":"positive","sentiment_score":0.6518045365810394},{"text":"Alright.","start":1167.625,"end":1168.125,"sentiment":"positive","sentiment_score":0.405635118484497},{"text":"The rest of your portfolio is performing extremely well.","start":1168.425,"end":1172.505,"sentiment":"positive","sentiment_score":0.5800230900446574},{"text":"You've got quite a few satellite investments in there.","start":1172.505,"end":1176.4,"sentiment":"neutral","sentiment_score":0.24195663962099287}],"sentiment":"positive","sentiment_score":0.44661747393282974,"num_words":22,"start":1165.225,"end":1176.4},{"sentences":[{"text":"You've got some which are more niche type sectors, I guess, we'd call them.","start":1176.4,"end":1183.7,"sentiment":"neutral","sentiment_score":0.12067223180617605},{"text":"So you've got global cyber in there.","start":1183.84,"end":1187.36,"sentiment":"neutral","sentiment_score":0.04936445078679493},{"text":"You've got some exposure to that, some battery tech and lithium.","start":1187.36,"end":1191.795,"sentiment":"neutral","sentiment_score":0.029749127782203934},{"text":"So your electric cars, which, you know, have had a great bump in the last little bit.","start":1191.795,"end":1196.935,"sentiment":"neutral","sentiment_score":0.2099930249592837},{"text":"You've got some gold yeah.","start":1197.155,"end":1199.975,"sentiment":"neutral","sentiment_score":0.04190398715436459}],"sentiment":"neutral","sentiment_score":0.11373341049033182,"num_words":54,"start":1176.4,"end":1199.975},{"sentences":[{"text":"And you've got some gold exposure along with some property exposure.","start":1200.435,"end":1204.47,"sentiment":"neutral","sentiment_score":-0.002722903916781599},{"text":"Now at the moment, the property return is down a little bit.","start":1204.47,"end":1207.83,"sentiment":"neutral","sentiment_score":-0.19117280871917805},{"text":"It's changed from last week, and that's just market fluctuation, which we would expect in the growth sectors.","start":1207.83,"end":1214.09,"sentiment":"neutral","sentiment_score":-0.1413119671245416},{"text":"So there's no that's nothing that I'm concerned about.","start":1214.63,"end":1218.17,"sentiment":"neutral","sentiment_score":-0.16472634921471277},{"text":"That's just, for me, the ups and downs of the market.","start":1218.79,"end":1223.485,"sentiment":"neutral","sentiment_score":-0.15254640646956183}],"sentiment":"neutral","sentiment_score":-0.13160965032875538,"num_words":61,"start":1200.435,"end":1223.485},{"sentences":[{"text":"So outside of those other two, quite happy with your portfolio, and I would I'll just go to work and get reviewing on those two that we mentioned.","start":1225.1449,"end":1237.07,"sentiment":"neutral","sentiment_score":0.15480737148651055},{"text":"The next thank you.","start":1238.4099,"end":1241.5299,"sentiment":"positive","sentiment_score":0.33664433658123016},{"text":"Yep.","start":1241.5299,"end":1241.9299,"sentiment":"neutral","sentiment_score":0.24243836104869845},{"text":"Perfect.","start":1241.9299,"end":1242.33,"sentiment":"positive","sentiment_score":0.423896461725235},{"text":"So the next document in the packet is just a it's called the 2026 Vanguard index chart.","start":1242.33,"end":1247.3899,"sentiment":"neutral","sentiment_score":0.1228802344378303}],"sentiment":"neutral","sentiment_score":0.16542122659145617,"num_words":51,"start":1225.1449,"end":1247.3899},{"sentences":[{"text":"It just show it's just a bit of an illustrative chart for our that we share with our clients to just show how the markets react.","start":1247.6449,"end":1257.4049,"sentiment":"neutral","sentiment_score":0.12036051543859336},{"text":"So the top four assets in the down the right hand column are your gross assets, and the bottom two are your defensive assets.","start":1257.4049,"end":1267.1699,"sentiment":"neutral","sentiment_score":0.06323785961527999},{"text":"So it just gives you a bit of a as an idea that 80% of your assets or your funds are in the top four.","start":1267.1699,"end":1273.19,"sentiment":"neutral","sentiment_score":0.24252161502838135},{"text":"So you can see the volatility that it can experience over time that held for the long term.","start":1273.4099,"end":1279.3251,"sentiment":"neutral","sentiment_score":0.13980088217390907},{"text":"It usually turns out to be a better outcome.","start":1280.185,"end":1283.885,"sentiment":"positive","sentiment_score":0.43694502115249634}],"sentiment":"neutral","sentiment_score":0.16822591644492657,"num_words":102,"start":1247.6449,"end":1283.885},{"sentences":[{"text":"So the next document is a certificate certificate of currency for your insurance policy.","start":1284.745,"end":1293.6,"sentiment":"neutral","sentiment_score":0.19241534492799214},{"text":"So it just shows you a rundown of what those sums insured are that we went over before.","start":1293.6,"end":1299.14,"sentiment":"neutral","sentiment_score":0.1454062598447005},{"text":"The only thing I will note is that you don't have a trauma insurance policy.","start":1300.1599,"end":1305.245,"sentiment":"neutral","sentiment_score":-0.09690001557270686},{"text":"Has anyone spoke to you about that previously?","start":1306.185,"end":1308.6051,"sentiment":"neutral","sentiment_score":-0.049368107691407204},{"text":"That's fine.","start":1313.625,"end":1314.3451,"sentiment":"neutral","sentiment_score":0.1344095766544342}],"sentiment":"neutral","sentiment_score":0.06546493972602643,"num_words":57,"start":1284.745,"end":1314.3451},{"sentences":[{"text":"That's absolutely fine.","start":1314.3451,"end":1315.83,"sentiment":"positive","sentiment_score":0.4798872967561086},{"text":"I'll give you a quick really quick overview of it just so you're you can make a decision as to whether it's something you wanna look into further.","start":1315.9099,"end":1324.57,"sentiment":"positive","sentiment_score":0.3526424214776073},{"text":"Basically, what a trauma policy is is it is a lump sum tax free payment to an individual when they are diagnosed with a specific claimable condition.","start":1325.51,"end":1337.1951,"sentiment":"neutral","sentiment_score":0.0844102065872263},{"text":"So they can range from different types of cancers, heart attack, and stroke, for example.","start":1337.1951,"end":1342.5499,"sentiment":"neutral","sentiment_score":0.04072608314454555},{"text":"And there are different gradings as to when you meet the claim approval process.","start":1344.13,"end":1351.35,"sentiment":"neutral","sentiment_score":0.10711966561419624}],"sentiment":"neutral","sentiment_score":0.18049760730187783,"num_words":87,"start":1314.3451,"end":1351.35},{"sentences":[{"text":"And it covers it's designed to cover items such as out of pocket medical expenses, a recovery period before you return to work because, typically, what we find is that someone that claims on a trauma policy may not it may not necessarily be terminal.","start":1352.9299,"end":1371.87,"sentiment":"neutral","sentiment_score":-0.03326919865277078},{"text":"They just need some time to recover, and their income protection may not cover what they actually need to.","start":1372.09,"end":1380.91,"sentiment":"neutral","sentiment_score":-0.1333809993965061},{"text":"So the as trauma is tax free, it is paid out of personal cash flow.","start":1381.61,"end":1387.455,"sentiment":"neutral","sentiment_score":-0.012157486379146576},{"text":"So that's the other consideration to take.","start":1387.835,"end":1390.815,"sentiment":"neutral","sentiment_score":0.0343781305210931},{"text":"Well, the other matter to consider is that it will come out it will need to be funded by personal cash flow, but it's also a pretty important policy to have.","start":1390.955,"end":1400.8,"sentiment":"neutral","sentiment_score":0.05454623579017578}],"sentiment":"neutral","sentiment_score":-0.01950542735429401,"num_words":117,"start":1352.9299,"end":1400.8},{"sentences":[{"text":"So is that something you wanna look at now or later on down the track?","start":1401.9401,"end":1406.36,"sentiment":"neutral","sentiment_score":0.09397428333759308},{"text":"Yep.","start":1412.74,"end":1413.14,"sentiment":"neutral","sentiment_score":0.20538941025733948},{"text":"That's okay.","start":1413.14,"end":1417.475,"sentiment":"neutral","sentiment_score":0.3051544725894928},{"text":"Yeah.","start":1417.775,"end":1418.275,"sentiment":"neutral","sentiment_score":0.1683765947818756},{"text":"Yep.","start":1418.895,"end":1419.395,"sentiment":"neutral","sentiment_score":0.016574358567595482}],"sentiment":"neutral","sentiment_score":0.12051317794248462,"num_words":20,"start":1401.9401,"end":1419.395},{"sentences":[{"text":"I'll put I'll see if I can sorry.","start":1419.535,"end":1422.755,"sentiment":"neutral","sentiment_score":-0.06522405100986362},{"text":"I I'll what I'll do is I'll see if I can put together some information for you and send that through in the same email when we ask for the will with some material for you to have a read about.","start":1424.335,"end":1436.51,"sentiment":"neutral","sentiment_score":0.12602086256190045},{"text":"Beautiful.","start":1439.9299,"end":1440.4299,"sentiment":"positive","sentiment_score":0.7084776163101196},{"text":"The next document in the pack is our financial services guide.","start":1441.7451,"end":1444.9651,"sentiment":"neutral","sentiment_score":0.2236980064348741},{"text":"It is a regulatory document that we're required to share with all of our clients.","start":1445.905,"end":1451.125,"sentiment":"neutral","sentiment_score":0.12745813479026158}],"sentiment":"neutral","sentiment_score":0.12797487718298248,"num_words":76,"start":1419.535,"end":1451.125},{"sentences":[{"text":"It will just tell you who we are, who we're licensed by, and that we're licensed through.","start":1451.5851,"end":1457.64,"sentiment":"neutral","sentiment_score":0.09664816935272778},{"text":"It will give you a little bit of information on the services we provide and how we do provide advice, fees and charges, and also important for clients is the complaints handling process.","start":1459.06,"end":1472.895,"sentiment":"neutral","sentiment_score":0.09678848178097696},{"text":"So if you are unhappy, how you go about sharing that and then other other ways if it's not met to your expectation.","start":1472.895,"end":1486.835,"sentiment":"neutral","sentiment_score":-0.273974839112033},{"text":"Yep.","start":1490.71,"end":1491.0299,"sentiment":"neutral","sentiment_score":0.0038864444941282272},{"text":"Yes.","start":1491.0299,"end":1491.5299,"sentiment":"neutral","sentiment_score":0.017041899263858795}],"sentiment":"neutral","sentiment_score":-0.019246055707335473,"num_words":75,"start":1451.5851,"end":1491.5299},{"sentences":[{"text":"Yep.","start":1491.59,"end":1491.99,"sentiment":"neutral","sentiment_score":-0.0018713611643761396},{"text":"Took the words right out of my mouth that I were was unable to verbalize.","start":1491.99,"end":1495.45,"sentiment":"neutral","sentiment_score":-0.19331773221492768},{"text":"Thank you.","start":1495.51,"end":1496.25,"sentiment":"neutral","sentiment_score":0.026671595871448517},{"text":"I can imagine.","start":1501.75,"end":1502.505,"sentiment":"neutral","sentiment_score":-0.18229830265045166},{"text":"I can imagine.","start":1502.505,"end":1503.225,"sentiment":"neutral","sentiment_score":-0.07400096207857132}],"sentiment":"neutral","sentiment_score":-0.1507163311180193,"num_words":24,"start":1491.59,"end":1503.225},{"sentences":[{"text":"Yeah.","start":1503.225,"end":1503.725,"sentiment":"neutral","sentiment_score":-0.013406042009592056},{"text":"And the final two documents in the pack are the ones that require signing.","start":1504.985,"end":1508.985,"sentiment":"neutral","sentiment_score":0.04264926298388413},{"text":"So one of them will be provide your tax file number.","start":1508.985,"end":1512.765,"sentiment":"neutral","sentiment_score":0.051212247630411926},{"text":"The reason why we have that on file, it's already prefilled for you.","start":1513.145,"end":1517.325,"sentiment":"neutral","sentiment_score":0.03941906587435649},{"text":"It's because we don't it's the only place we hold it, and the reason we do is to provide to hub twenty four.","start":1518.21,"end":1525.41,"sentiment":"neutral","sentiment_score":0.04821772014965182}],"sentiment":"neutral","sentiment_score":0.04465280295980553,"num_words":62,"start":1503.225,"end":1525.41},{"sentences":[{"text":"So and the insurance companies to ensure that you're not taxed at a higher well, your superannuation isn't taxed at a higher rate being that, you know, how it works if you don't provide your tax cell number.","start":1525.41,"end":1537.125,"sentiment":"neutral","sentiment_score":-0.005558303483810864},{"text":"So if you can sign that one through the electronic signature system, that would be great.","start":1537.425,"end":1543.365,"sentiment":"neutral","sentiment_score":0.3035912332125008},{"text":"And the last one is your ongoing your consent to the new ongoing fee arrangement.","start":1543.89,"end":1550.79,"sentiment":"neutral","sentiment_score":0.0940534974137942},{"text":"So all that so you'll notice it's the the bottom the the box in the bottom of the page, on the first page of that document has the amount.","start":1551.01,"end":1562.3251,"sentiment":"neutral","sentiment_score":0.02995403226593445},{"text":"It's $1,412.90 per annum.","start":1562.545,"end":1567.365,"sentiment":"neutral","sentiment_score":0.03715407755225897}],"sentiment":"neutral","sentiment_score":0.069356175550424,"num_words":102,"start":1525.41,"end":1567.365},{"sentences":[{"text":"Now that is then divided by 12 and deducted from your hub twenty four account on a monthly basis, and that is a fixed fee.","start":1567.745,"end":1578.54,"sentiment":"neutral","sentiment_score":0.03503330715000629},{"text":"So it's not gonna vary based on the market, for example.","start":1578.54,"end":1584.3201,"sentiment":"neutral","sentiment_score":0.02753520164300095},{"text":"So if, for for example, you had a fantastic year, it's gonna be 1.65% of your fantastic year.","start":1584.38,"end":1592.855,"sentiment":"positive","sentiment_score":0.5739725670880742},{"text":"That's it's a fixed flat fee.","start":1593.155,"end":1595.095,"sentiment":"neutral","sentiment_score":0.2770940413077672},{"text":"So that will be reviewed every year as you come up for your annual review.","start":1595.235,"end":1599.575,"sentiment":"neutral","sentiment_score":0.23481861452261607}],"sentiment":"neutral","sentiment_score":0.22260092760125796,"num_words":75,"start":1567.745,"end":1599.575},{"sentences":[{"text":"But what that translates to is a $117.74 per month from your super fund.","start":1600.05,"end":1606.31,"sentiment":"neutral","sentiment_score":0.14415034438882554},{"text":"And what that allows you to do is phone off at any time, ask questions.","start":1606.6101,"end":1611.27,"sentiment":"neutral","sentiment_score":0.18186504344145457},{"text":"If you've come across a new area or advice that you need, we're here.","start":1611.5701,"end":1616.665,"sentiment":"neutral","sentiment_score":0.19327906519174576},{"text":"You're not just set to the the one annual review per year.","start":1616.665,"end":1620.5851,"sentiment":"neutral","sentiment_score":0.05905481427907944},{"text":"It's entirely up to you as to how often and how much you you'd like to engage us or any advice you need.","start":1620.5851,"end":1631.24,"sentiment":"neutral","sentiment_score":0.06406822622470233}],"sentiment":"neutral","sentiment_score":0.12351556872137082,"num_words":78,"start":1600.05,"end":1631.24},{"sentences":[{"text":"Alright.","start":1632.5,"end":1632.8999,"sentiment":"neutral","sentiment_score":0.09495696425437929},{"text":"Do you have any other questions?","start":1632.8999,"end":1634.6799,"sentiment":"neutral","sentiment_score":0.10286562020579974},{"text":"Can you can you also get one on your hands on one for me too, please?","start":1642.885,"end":1646.745,"sentiment":"neutral","sentiment_score":0.09418049780651927},{"text":"Yep.","start":1667.86,"end":1668.225,"sentiment":"neutral","sentiment_score":0.3168991208076477},{"text":"Perfect.","start":1668.465,"end":1668.945,"sentiment":"positive","sentiment_score":0.4325831532478333}],"sentiment":"neutral","sentiment_score":0.11874083697795867,"num_words":25,"start":1632.5,"end":1668.945},{"sentences":[{"text":"Well, I will I've got I've got a few action items on my end.","start":1668.945,"end":1672.565,"sentiment":"neutral","sentiment_score":0.16771300137043},{"text":"Like, we will likely recommend to replace those two those two investment options I spoke about, you know, pending that they're gonna put you in a better outcome, whatever we look at.","start":1673.585,"end":1684.08,"sentiment":"neutral","sentiment_score":0.1640349307563156},{"text":"So what will happen from here is, I guess, the best way to contact you is that email or phone?","start":1684.24,"end":1689.38,"sentiment":"neutral","sentiment_score":0.06619519554078579},{"text":"Email.","start":1692.96,"end":1693.46,"sentiment":"neutral","sentiment_score":0.015384073369204998},{"text":"Because I'll reach out and let you know we'll have to have another catch up on the phone, but we can arrange that through I'll converse with you via email to arrange that just to present any changes that we would recommend that you do, and we can go from there if you're happy with that.","start":1695.0399,"end":1715.54,"sentiment":"neutral","sentiment_score":0.11721735796891153}],"sentiment":"neutral","sentiment_score":0.1260208116571714,"num_words":123,"start":1668.945,"end":1715.54},{"sentences":[{"text":"Yep.","start":1718.4,"end":1718.9,"sentiment":"neutral","sentiment_score":0.01712888479232788},{"text":"Yeah.","start":1730.815,"end":1731.315,"sentiment":"neutral","sentiment_score":-0.07292291522026062},{"text":"Yeah.","start":1731.775,"end":1732.015,"sentiment":"neutral","sentiment_score":-0.04328814521431923},{"text":"I do recall you saying that.","start":1732.015,"end":1733.795,"sentiment":"neutral","sentiment_score":-0.05036957903454701},{"text":"Yes.","start":1733.9349,"end":1734.4349,"sentiment":"neutral","sentiment_score":0.031772200018167496}],"sentiment":"neutral","sentiment_score":-0.03695274498313665,"num_words":10,"start":1718.4,"end":1734.4349},{"sentences":[{"text":"Yeah.","start":1734.815,"end":1735.295,"sentiment":"neutral","sentiment_score":0.05008336901664734},{"text":"Yep.","start":1735.295,"end":1735.795,"sentiment":"neutral","sentiment_score":0.07454714924097061},{"text":"That's no.","start":1736.255,"end":1736.895,"sentiment":"neutral","sentiment_score":-0.017534156795591116},{"text":"That's absolutely fine.","start":1736.895,"end":1738.4099,"sentiment":"neutral","sentiment_score":0.1940964957078298},{"text":"I'm flexible and can work around you.","start":1738.4099,"end":1740.75,"sentiment":"neutral","sentiment_score":0.2206664394055094}],"sentiment":"neutral","sentiment_score":0.15832262625917792,"num_words":14,"start":1734.815,"end":1740.75},{"sentences":[{"text":"Two last questions I have.","start":1741.61,"end":1743.5499,"sentiment":"neutral","sentiment_score":0.15360086262226105},{"text":"Are you happy to keep your review frequency at an annual basis, or would you like it more frequent?","start":1744.09,"end":1750.4551,"sentiment":"neutral","sentiment_score":0.10552127149544265},{"text":"Beautiful.","start":1753.2351,"end":1753.7351,"sentiment":"neutral","sentiment_score":0.31620484590530396},{"text":"And, also, that we've discussed the the as like, the the split between the 80 to 20 to your gross to defensive assets, are you happy to keep it at that, or did you wanna look at increasing your exposure to growth assets, or you're comfortable keeping them where they are for the time being?","start":1754.275,"end":1773.0,"sentiment":"neutral","sentiment_score":0.0789784502576698},{"text":"Fantastic.","start":1778.125,"end":1778.625,"sentiment":"positive","sentiment_score":0.5090134143829346}],"sentiment":"neutral","sentiment_score":0.0980486604442567,"num_words":81,"start":1741.61,"end":1778.625},{"sentences":[{"text":"Alright.","start":1779.085,"end":1779.585,"sentiment":"positive","sentiment_score":0.3374740481376648},{"text":"I am going to get to work on what I need to do.","start":1779.885,"end":1784.465,"sentiment":"neutral","sentiment_score":0.31241487998228806},{"text":"Before I before we finish up, I'll just get you to sign those documents once you've had a review of them.","start":1785.565,"end":1793.5199,"sentiment":"neutral","sentiment_score":0.1532074511051178},{"text":"And if you've got any questions, by all means, if you before signing them, give me a call, and I'd be happy to talk through them with you.","start":1793.5199,"end":1801.46,"sentiment":"neutral","sentiment_score":0.13603124794151103},{"text":"And then lastly, any other questions from yourself?","start":1801.84,"end":1804.725,"sentiment":"neutral","sentiment_score":0.06463658344000578}],"sentiment":"neutral","sentiment_score":0.16819988128165125,"num_words":71,"start":1779.085,"end":1804.725},{"sentences":[{"text":"Fantastic.","start":1808.245,"end":1808.745,"sentiment":"positive","sentiment_score":0.3724585771560669},{"text":"Well, thank you so much, David, for your time, and my apologies to your family and your your wife and your children.","start":1808.965,"end":1815.865,"sentiment":"neutral","sentiment_score":0.08000609033148397},{"text":"And you're sorry?","start":1817.14,"end":1820.92,"sentiment":"neutral","sentiment_score":-0.12485742382705212},{"text":"Yeah.","start":1827.3,"end":1827.8,"sentiment":"neutral","sentiment_score":0.058542363345623016},{"text":"Oh, well, thank you for making the time.","start":1839.7451,"end":1841.505,"sentiment":"positive","sentiment_score":0.674279473721981}],"sentiment":"neutral","sentiment_score":0.20602281274540082,"num_words":35,"start":1808.245,"end":1841.505},{"sentences":[{"text":"We appreciate it, and I'll be in contact soon.","start":1841.505,"end":1845.35,"sentiment":"positive","sentiment_score":0.6858935554822286},{"text":"Thank you.","start":1849.25,"end":1849.89,"sentiment":"positive","sentiment_score":0.772121250629425},{"text":"Enjoy your afternoon.","start":1849.89,"end":1850.95,"sentiment":"positive","sentiment_score":0.7516863544782003},{"text":"Bye.","start":1853.01,"end":1853.51,"sentiment":"neutral","sentiment_score":-0.11967702955007552}],"sentiment":"positive","sentiment_score":0.6568444356322288,"num_words":15,"start":1841.505,"end":1853.51}]}}]},{"alternatives":[{"transcript":"Yeah. Good. Thanks. I'm not sure what happened there. It just all went quiet and then hung up. Look. It wouldn't it wouldn't surprise you if the service issue was on my end. I've been having trouble with my mobile ever since I changed provider. Boost. Yeah. It's been ongoing for so long. I've given up chasing him up about it, but oh, well. That's okay. Sure. Yes. That's correct. No. We still got the two. One one of each. We've got a four year old, a girl, and a a a little toddler Saurus Rex about to turn two, and and and that's a boy. We've got Moira and Isaac. Absolutely. Yep. What? Yes. I I'm still employed by their parent company, Invocare. Although I as of tomorrow, I started a new location. So, yeah, I'm still a funeral director working under Invocare's banner, I suppose. Yeah. Yep. Yep. We'll put InvoCare. Yes. That's correct. Yeah. That's correct. That's a good question. Just because we've we were probably one of the only states without an EBA, but in the funeral industry. So we've just been granted one of them. I I think I think about seventy five, I think. No. I don't. I think it's just the standard 12%. I would probably say probably looking at about rough guess, probably about 900 a week. I you know, that's that's including things like rent and bills that are constantly coming out and, you know, other expenses. So, yeah, probably probably about 900 to 1,000, I guess. Yeah. We we do. We've got we put about $50 a a week, is it, of of Yeah. A week or a fortnight. Yeah. No. I don't. Yes. Well, I'd like to think that the debt's probably come down a bit. But, yeah, we still got the same car. I'm trying to think of that. What about repayment, like, every month? Is it 300 is it 400? 481 a month. So times that by 12, and that's what it probably would have come down by. We've had we've had the car for two years, but I'm I'm just saying that yeah. Just another I had an accident a couple of years ago, which I'm still paying off through another insurance provider because I was silly and didn't have insurance myself. I think from the top of my head, it's about 6,000 left on that. Yeah. A $100 a month. No. Nope. I can I can barely afford to pay tax here, let alone in another country as well? Yeah. I reckon so. I do have I've set up a will with I think it's called SafeWill or Safeguard or something like that. It's one one that I set up about eighteen months ago. I think it's all in place. I've I've tried ticking all their boxes as much as possible, but yes. No. I don't have a power return. Oh, you certainly do know what a power of attorney is. Yeah. Certainly certainly, we'll look at doing it. I actually can't remember if I may have even because when I was putting the application for this will, I may have even ticked the box that said that they'll act as my power of attorney, but I can't quite remember. It was eighteen months ago. So I I'm sure it was probably emailed to me. Sure. Yeah. For sure. Yes. Yeah. That's fine. Not a problem. Mhmm. It's it's still a priority. I wouldn't say it's on the top of my priority list at the moment. But, yes, it's certainly still something that we want to look into. I would I'd probably say, yeah, in a in a five year time frame. Yeah. I'd I'd probably need to increase that with the way that the financial world's looking. What I want and what I can have are two different things, Jenna. What I'd like is to retire earlier, but and, you know, let's let's face it. We we live in a realistic world. I would probably have to say, you know, 70 would probably be the the the age of I'd probably have to look at retiring nowadays. Oh, yeah. So at at the moment, what my wife's not working as she doesn't have any super, but it is one of our, again, this is one of our our short short term goals. And what I mean when I said, you know, looking at a house supply is not on the top of my priority list. So, obviously, getting that additional income is on on the top of my priority listing there. So I would say that I'd, you know, I'd still like to I'd like to think of a thousand dollars as being enough for us to, you know, sort of get by a week to week basis, but I'd probably look at increasing it to about 1,500. Yep. Yep. Sure. No. Not nothing had that in in the meantime. Just those two main ones, I suppose. Mhmm. Yep. Yeah. No. That's not. Mhmm. No worries. Mhmm. Sure. Mhmm. Yeah. Fair enough. Mhmm. Yeah. Yep. Sure. Mhmm. Mhmm. For sure. Yeah. Yeah. Pretty sure. Yep. No. That's fine. I'm I'm happy for you to go go ahead and do that. I mean, you obviously know a lot more about these processes than than I could ever pretend to. So yeah. Sure. Mhmm. Sure. Mhmm. Yep. No. That's fine. I trust you. Mhmm. They certainly have. Yeah. Yep. That's that's really appreciated. Mhmm. Yeah. Yep. I I obviously, I can't recall. Mhmm. Yeah. For sure. Yeah. I think I'll I'll I'll I'll I'll need to do a bit more thinking about that one. I mean, it is it it makes complete sense, you know, either of people no. You're alright. You're alright. Yeah. That would that would be very helpful. Yep. How how to yeah. How to escalate things if if required. Yeah. Unfortunately, in my industry, it is something that we do have to deal with quite a bit. Mhmm. Sure. Sure. Yep. No. Fair enough. How do I get my hands on a winning glider ticket? Because I suppose that would also help my retirement funds. Not a problem. I'll see what I can do. No. That's that's fine. You you've explained that really well, Jenna. You know? So I'm I'm fully understanding of of what's expected, what I need to do, and and what you'll be doing in in the valuable time that you've got. Yeah. I would say email. Yep. Yeah. Yep. For sure. Yeah. No. That's fine. That's fine. I'm not sure if it was you I spoke to the other day, but, you know, the unfortunate thing with my industry is, you know, I can book a I can book a time with you because at the time, I've got it free, but, you know, it changes. Beautiful. Yep. No. Annual is great. For the time being, I'm I'm more than comfortable keeping them where they're at. Sure. Yep. Sure. Sure. No. That's fine for now. Oh, no. No. That's okay. No. That's alright. We it it has to be done. So I I thought I'll I'll book it for today because I've I've booked time off work, you know, just to relax. And and I thought, well, what about there won't be a better time to take care of this than than when I can guarantee a bit of free time. Brilliant. Alright. Well, thank you so much for your help, Jenna. You too. 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Good. Thanks. I'm not sure what happened there. It just all went quiet and then hung up.\n\nLook. It wouldn't it wouldn't surprise you if the service issue was on my end. I've been having trouble with my mobile ever since I changed provider. Boost. Yeah.\n\nIt's been ongoing for so long. I've given up chasing him up about it, but oh, well. That's okay. Sure. Yes.\n\nThat's correct. No. We still got the two. One one of each. We've got a four year old, a girl, and a a a little toddler Saurus Rex about to turn two, and and and that's a boy.\n\nWe've got Moira and Isaac. Absolutely. Yep. What? Yes.\n\nI I'm still employed by their parent company, Invocare. Although I as of tomorrow, I started a new location. So, yeah, I'm still a funeral director working under Invocare's banner, I suppose. Yeah. Yep.\n\nYep. We'll put InvoCare. Yes. That's correct. Yeah.\n\nThat's correct. That's a good question. Just because we've we were probably one of the only states without an EBA, but in the funeral industry. So we've just been granted one of them. I I think I think about seventy five, I think.\n\nNo. I don't. I think it's just the standard 12%. I would probably say probably looking at about rough guess, probably about 900 a week. I you know, that's that's including things like rent and bills that are constantly coming out and, you know, other expenses.\n\nSo, yeah, probably probably about 900 to 1,000, I guess. Yeah. We we do. We've got we put about $50 a a week, is it, of of Yeah. A week or a fortnight.\n\nYeah. No. I don't. Yes. Well, I'd like to think that the debt's probably come down a bit.\n\nBut, yeah, we still got the same car. I'm trying to think of that. What about repayment, like, every month? Is it 300 is it 400? 481 a month.\n\nSo times that by 12, and that's what it probably would have come down by. We've had we've had the car for two years, but I'm I'm just saying that yeah. Just another I had an accident a couple of years ago, which I'm still paying off through another insurance provider because I was silly and didn't have insurance myself. I think from the top of my head, it's about 6,000 left on that. Yeah.\n\nA $100 a month. No. Nope. I can I can barely afford to pay tax here, let alone in another country as well? Yeah.\n\nI reckon so. I do have I've set up a will with I think it's called SafeWill or Safeguard or something like that. It's one one that I set up about eighteen months ago. I think it's all in place. I've I've tried ticking all their boxes as much as possible, but yes.\n\nNo. I don't have a power return. Oh, you certainly do know what a power of attorney is. Yeah. Certainly certainly, we'll look at doing it.\n\nI actually can't remember if I may have even because when I was putting the application for this will, I may have even ticked the box that said that they'll act as my power of attorney, but I can't quite remember. It was eighteen months ago. So I I'm sure it was probably emailed to me. Sure. Yeah.\n\nFor sure. Yes. Yeah. That's fine. Not a problem.\n\nMhmm. It's it's still a priority. I wouldn't say it's on the top of my priority list at the moment. But, yes, it's certainly still something that we want to look into. I would I'd probably say, yeah, in a in a five year time frame.\n\nYeah. I'd I'd probably need to increase that with the way that the financial world's looking. What I want and what I can have are two different things, Jenna. What I'd like is to retire earlier, but and, you know, let's let's face it. We we live in a realistic world.\n\nI would probably have to say, you know, 70 would probably be the the the age of I'd probably have to look at retiring nowadays. Oh, yeah. So at at the moment, what my wife's not working as she doesn't have any super, but it is one of our, again, this is one of our our short short term goals. And what I mean when I said, you know, looking at a house supply is not on the top of my priority list. So, obviously, getting that additional income is on on the top of my priority listing there.\n\nSo I would say that I'd, you know, I'd still like to I'd like to think of a thousand dollars as being enough for us to, you know, sort of get by a week to week basis, but I'd probably look at increasing it to about 1,500. Yep. Yep. Sure. No.\n\nNot nothing had that in in the meantime. Just those two main ones, I suppose. Mhmm. Yep. Yeah.\n\nNo. That's not. Mhmm. No worries. Mhmm.\n\nSure. Mhmm. Yeah. Fair enough. Mhmm.\n\nYeah. Yep. Sure. Mhmm. Mhmm.\n\nFor sure. Yeah. Yeah. Pretty sure. Yep.\n\nNo. That's fine. I'm I'm happy for you to go go ahead and do that. I mean, you obviously know a lot more about these processes than than I could ever pretend to. So yeah.\n\nSure. Mhmm. Sure. Mhmm. Yep.\n\nNo. That's fine. I trust you. Mhmm. They certainly have.\n\nYeah. Yep. That's that's really appreciated. Mhmm. Yeah.\n\nYep. I I obviously, I can't recall. Mhmm. Yeah. For sure.\n\nYeah. I think I'll I'll I'll I'll I'll need to do a bit more thinking about that one. I mean, it is it it makes complete sense, you know, either of people no. You're alright. You're alright.\n\nYeah. That would that would be very helpful. Yep. How how to yeah. How to escalate things if if required.\n\nYeah. Unfortunately, in my industry, it is something that we do have to deal with quite a bit. Mhmm. Sure. Sure.\n\nYep. No. Fair enough. How do I get my hands on a winning glider ticket? Because I suppose that would also help my retirement funds.\n\nNot a problem. I'll see what I can do. No. That's that's fine. You you've explained that really well, Jenna.\n\nYou know? So I'm I'm fully understanding of of what's expected, what I need to do, and and what you'll be doing in in the valuable time that you've got. Yeah. I would say email. Yep.\n\nYeah. Yep. For sure. Yeah. No.\n\nThat's fine. That's fine. I'm not sure if it was you I spoke to the other day, but, you know, the unfortunate thing with my industry is, you know, I can book a I can book a time with you because at the time, I've got it free, but, you know, it changes. Beautiful. Yep.\n\nNo. Annual is great. For the time being, I'm I'm more than comfortable keeping them where they're at. Sure. Yep.\n\nSure. Sure. No. That's fine for now. Oh, no.\n\nNo. That's okay. No. That's alright. We it it has to be done.\n\nSo I I thought I'll I'll book it for today because I've I've booked time off work, you know, just to relax. And and I thought, well, what about there won't be a better time to take care of this than than when I can guarantee a bit of free time. Brilliant. Alright. Well, thank you so much for your help, Jenna.\n\nYou too. Bye now.","paragraphs":[{"sentences":[{"text":"Yeah.","start":3.84,"end":4.16,"sentiment":"neutral","sentiment_score":0.33037227392196655},{"text":"Good.","start":4.16,"end":4.4,"sentiment":"positive","sentiment_score":0.6156384944915771},{"text":"Thanks.","start":4.4,"end":4.72,"sentiment":"positive","sentiment_score":0.5261679291725159},{"text":"I'm not sure what happened there.","start":4.72,"end":5.92,"sentiment":"neutral","sentiment_score":-0.23149062444766363},{"text":"It just all went quiet and then hung up.","start":5.92,"end":8.1,"sentiment":"neutral","sentiment_score":-0.22634940842787424}],"sentiment":"neutral","sentiment_score":-0.1085505402750439,"num_words":18,"start":3.84,"end":8.1},{"sentences":[{"text":"Look.","start":19.095001,"end":19.495,"sentiment":"neutral","sentiment_score":-0.05221397802233696},{"text":"It wouldn't it wouldn't surprise you if the service issue was on my 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okay.","start":51.055,"end":51.795,"sentiment":"neutral","sentiment_score":0.04874740168452263},{"text":"Sure.","start":65.18,"end":65.68,"sentiment":"neutral","sentiment_score":-0.002061839215457439},{"text":"Yes.","start":76.745,"end":77.145,"sentiment":"neutral","sentiment_score":0.03430270403623581}],"sentiment":"neutral","sentiment_score":-0.12722890447115615,"num_words":21,"start":38.17,"end":77.145},{"sentences":[{"text":"That's correct.","start":77.145,"end":77.885,"sentiment":"neutral","sentiment_score":0.12344959378242493},{"text":"No.","start":87.22,"end":87.54,"sentiment":"neutral","sentiment_score":-0.04913201183080673},{"text":"We still got the two.","start":87.54,"end":88.84,"sentiment":"neutral","sentiment_score":-0.019326359033584595},{"text":"One one of each.","start":92.979996,"end":93.939995,"sentiment":"neutral","sentiment_score":0.016805341700091958},{"text":"We've got a four year old, a girl, and a a a little toddler Saurus Rex about to turn two, and and and that's a boy.","start":93.939995,"end":104.175,"sentiment":"neutral","sentiment_score":0.06527137025617637}],"sentiment":"neutral","sentiment_score":0.04908979931650193,"num_words":38,"start":77.145,"end":104.175},{"sentences":[{"text":"We've got Moira and Isaac.","start":107.755005,"end":109.615005,"sentiment":"neutral","sentiment_score":0.1115067794919014},{"text":"Absolutely.","start":113.19501,"end":113.69501,"sentiment":"neutral","sentiment_score":0.2042674422264099},{"text":"Yep.","start":121.119995,"end":121.619995,"sentiment":"neutral","sentiment_score":0.013661148957908154},{"text":"What?","start":125.6,"end":126.1,"sentiment":"neutral","sentiment_score":0.006809521466493607},{"text":"Yes.","start":127.03999,"end":127.53999,"sentiment":"neutral","sentiment_score":0.028776682913303375}],"sentiment":"neutral","sentiment_score":0.09011652144706911,"num_words":9,"start":107.755005,"end":127.53999},{"sentences":[{"text":"I I'm still employed by their parent company, Invocare.","start":127.6,"end":131.295,"sentiment":"neutral","sentiment_score":0.02905754910575019},{"text":"Although I as of tomorrow, I started a new location.","start":133.195,"end":137.535,"sentiment":"neutral","sentiment_score":-0.05627029575407505},{"text":"So, yeah, I'm still a funeral director working under Invocare's banner, I suppose.","start":140.795,"end":147.65001,"sentiment":"neutral","sentiment_score":0.018240361044613216},{"text":"Yeah.","start":150.91,"end":151.31001,"sentiment":"neutral","sentiment_score":0.06103502959012985},{"text":"Yep.","start":151.31001,"end":151.63,"sentiment":"neutral","sentiment_score":0.0627225935459137}],"sentiment":"neutral","sentiment_score":0.001755802974324016,"num_words":34,"start":127.6,"end":151.63},{"sentences":[{"text":"Yep.","start":151.63,"end":152.13,"sentiment":"neutral","sentiment_score":0.05674765259027481},{"text":"We'll put InvoCare.","start":158.055,"end":159.19499,"sentiment":"neutral","sentiment_score":0.05452708527445793},{"text":"Yes.","start":169.815,"end":170.055,"sentiment":"neutral","sentiment_score":0.09236139059066772},{"text":"That's correct.","start":170.055,"end":170.795,"sentiment":"neutral","sentiment_score":0.20777665823698044},{"text":"Yeah.","start":178.69,"end":178.93,"sentiment":"neutral","sentiment_score":0.08178256452083588}],"sentiment":"neutral","sentiment_score":0.10125327249988914,"num_words":8,"start":151.63,"end":178.93},{"sentences":[{"text":"That's correct.","start":178.93,"end":179.83,"sentiment":"neutral","sentiment_score":0.18403881043195727},{"text":"That's a good question.","start":189.765,"end":190.905,"sentiment":"neutral","sentiment_score":0.11967734806239605},{"text":"Just because we've we were probably one of the only states without an EBA, but in the funeral industry.","start":192.725,"end":200.69,"sentiment":"neutral","sentiment_score":0.02976678145167075},{"text":"So we've just been granted one of them.","start":200.75,"end":203.49,"sentiment":"neutral","sentiment_score":0.07464640541002154},{"text":"I I think I think about seventy five, I think.","start":204.91,"end":212.37001,"sentiment":"neutral","sentiment_score":0.03262888845056296}],"sentiment":"neutral","sentiment_score":0.054321302057698716,"num_words":43,"start":178.93,"end":212.37001},{"sentences":[{"text":"No.","start":220.555,"end":220.875,"sentiment":"neutral","sentiment_score":-0.04739963263273239},{"text":"I don't.","start":220.875,"end":221.61499,"sentiment":"neutral","sentiment_score":-0.05491636507213116},{"text":"I think it's just the standard 12%.","start":235.59999,"end":237.86,"sentiment":"neutral","sentiment_score":-0.005182614949132715},{"text":"I would probably say probably looking at about rough guess, probably about 900 a week.","start":253.665,"end":266.39,"sentiment":"neutral","sentiment_score":0.005681911172966163},{"text":"I you know, that's that's including things like rent and bills that are constantly coming out and, you know, other expenses.","start":266.39,"end":275.045,"sentiment":"neutral","sentiment_score":0.006214539298699016}],"sentiment":"neutral","sentiment_score":0.00048311577057060987,"num_words":46,"start":220.555,"end":275.045},{"sentences":[{"text":"So, yeah, probably probably about 900 to 1,000, I guess.","start":275.185,"end":280.725,"sentiment":"neutral","sentiment_score":0.03009464032948017},{"text":"Yeah.","start":290.84003,"end":291.16,"sentiment":"neutral","sentiment_score":0.05755054950714111},{"text":"We we do.","start":291.16,"end":292.2,"sentiment":"neutral","sentiment_score":0.061181714137395225},{"text":"We've got we put about $50 a a week, is it, of of Yeah.","start":292.2,"end":300.615,"sentiment":"neutral","sentiment_score":0.04725357557513884},{"text":"A week or a fortnight.","start":301.875,"end":303.01498,"sentiment":"neutral","sentiment_score":0.026235035434365273}],"sentiment":"neutral","sentiment_score":0.0404474948617545,"num_words":33,"start":275.185,"end":303.01498},{"sentences":[{"text":"Yeah.","start":308.275,"end":308.775,"sentiment":"neutral","sentiment_score":0.08583244681358337},{"text":"No.","start":319.91998,"end":320.24,"sentiment":"neutral","sentiment_score":-0.11069533228874208},{"text":"I don't.","start":320.24,"end":320.9,"sentiment":"neutral","sentiment_score":-0.08809240907430649},{"text":"Yes.","start":332.64502,"end":333.14502,"sentiment":"neutral","sentiment_score":0.00787733867764473},{"text":"Well, I'd like to think that the debt's probably come down a bit.","start":337.765,"end":340.98502,"sentiment":"neutral","sentiment_score":-0.040538954333617136}],"sentiment":"neutral","sentiment_score":-0.04000982062684165,"num_words":18,"start":308.275,"end":340.98502},{"sentences":[{"text":"But, yeah, we still got the same car.","start":341.52502,"end":343.385,"sentiment":"neutral","sentiment_score":-0.00955938221886754},{"text":"I'm trying to think of that.","start":349.87,"end":350.99,"sentiment":"neutral","sentiment_score":-0.0477624274790287},{"text":"What about repayment, like, every month?","start":350.99,"end":353.23,"sentiment":"neutral","sentiment_score":-0.026401160284876823},{"text":"Is it 300 is it 400?","start":353.23,"end":355.57,"sentiment":"neutral","sentiment_score":-0.018139448172102373},{"text":"481 a month.","start":356.35,"end":358.29,"sentiment":"neutral","sentiment_score":-0.038885582238435745}],"sentiment":"neutral","sentiment_score":-0.025756897244217068,"num_words":29,"start":341.52502,"end":358.29},{"sentences":[{"text":"So times that by 12, and that's what it probably would have come down by.","start":358.625,"end":362.645,"sentiment":"neutral","sentiment_score":-0.07189588223894437},{"text":"We've had we've had the car for two years, but I'm I'm just saying that 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me.","start":526.88,"end":535.125,"sentiment":"neutral","sentiment_score":0.005253724986687303},{"text":"Sure.","start":545.825,"end":546.325,"sentiment":"neutral","sentiment_score":0.006865488365292549},{"text":"Yeah.","start":561.56,"end":561.88,"sentiment":"neutral","sentiment_score":0.009990373626351357}],"sentiment":"neutral","sentiment_score":-0.004568349801862998,"num_words":58,"start":508.625,"end":561.88},{"sentences":[{"text":"For sure.","start":561.88,"end":562.575,"sentiment":"neutral","sentiment_score":0.025000112131237984},{"text":"Yes.","start":573.455,"end":573.695,"sentiment":"neutral","sentiment_score":0.062332481145858765},{"text":"Yeah.","start":573.695,"end":574.195,"sentiment":"neutral","sentiment_score":0.042185764759778976},{"text":"That's fine.","start":576.01,"end":576.81,"sentiment":"neutral","sentiment_score":0.14284451305866241},{"text":"Not a problem.","start":576.81,"end":577.55,"sentiment":"neutral","sentiment_score":0.2399082084496816}],"sentiment":"neutral","sentiment_score":0.12888134684827593,"num_words":9,"start":561.88,"end":577.55},{"sentences":[{"text":"Mhmm.","start":586.25,"end":586.75,"sentiment":"neutral","sentiment_score":0.06795811653137207},{"text":"It's it's still a priority.","start":608.98,"end":611.06,"sentiment":"neutral","sentiment_score":0.1724366933107376},{"text":"I wouldn't say it's on the top of my priority list at the moment.","start":611.06,"end":614.6,"sentiment":"neutral","sentiment_score":0.09487329822565828},{"text":"But, yes, it's certainly still something that we want to look into.","start":615.06,"end":618.27496,"sentiment":"neutral","sentiment_score":0.22040765980879465},{"text":"I would I'd probably say, yeah, in a in a five year time 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world.","start":682.275,"end":684.215,"sentiment":"neutral","sentiment_score":-0.08482831503663744}],"sentiment":"neutral","sentiment_score":-0.08710549286037099,"num_words":51,"start":648.39496,"end":684.215},{"sentences":[{"text":"I would probably have to say, you know, 70 would probably be the the the age of I'd probably have to look at retiring nowadays.","start":684.435,"end":694.93005,"sentiment":"neutral","sentiment_score":-0.058608749210834504},{"text":"Oh, yeah.","start":700.67004,"end":701.41003,"sentiment":"neutral","sentiment_score":0.045726681128144264},{"text":"So at at the moment, what my wife's not working as she doesn't have any super, but it is one of our, again, this is one of our our short short term goals.","start":733.64496,"end":746.53,"sentiment":"neutral","sentiment_score":-0.07607143157810876},{"text":"And what I mean when I said, you know, looking at a house supply is not on the top of my priority 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suppose.","start":822.685,"end":824.785,"sentiment":"neutral","sentiment_score":-0.03968403807708195},{"text":"Mhmm.","start":830.0,"end":830.5,"sentiment":"neutral","sentiment_score":0.11970125138759612},{"text":"Yep.","start":843.395,"end":843.895,"sentiment":"neutral","sentiment_score":0.06365235149860382},{"text":"Yeah.","start":856.435,"end":856.755,"sentiment":"neutral","sentiment_score":-0.010276827961206436}],"sentiment":"neutral","sentiment_score":-0.06281372966865699,"num_words":18,"start":820.045,"end":856.755},{"sentences":[{"text":"No.","start":856.755,"end":856.915,"sentiment":"neutral","sentiment_score":-0.16003239154815674},{"text":"That's not.","start":856.915,"end":867.25,"sentiment":"neutral","sentiment_score":-0.06753925234079361},{"text":"Mhmm.","start":867.25,"end":867.75,"sentiment":"neutral","sentiment_score":-0.0036467015743255615},{"text":"No 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sure.","start":1062.67,"end":1063.41,"sentiment":"neutral","sentiment_score":-0.03942594304680824},{"text":"Yeah.","start":1077.945,"end":1078.445,"sentiment":"neutral","sentiment_score":-0.02652018889784813},{"text":"Yeah.","start":1087.35,"end":1087.59,"sentiment":"neutral","sentiment_score":0.046750813722610474},{"text":"Pretty sure.","start":1087.59,"end":1089.6901,"sentiment":"neutral","sentiment_score":0.08664792031049728},{"text":"Yep.","start":1089.75,"end":1090.07,"sentiment":"neutral","sentiment_score":0.1095304787158966}],"sentiment":"neutral","sentiment_score":0.03202929400971958,"num_words":7,"start":1062.67,"end":1090.07},{"sentences":[{"text":"No.","start":1090.07,"end":1090.31,"sentiment":"neutral","sentiment_score":0.09395122528076172},{"text":"That's fine.","start":1090.31,"end":1090.87,"sentiment":"neutral","sentiment_score":0.22888127714395523},{"text":"I'm I'm happy for you to go go ahead and do that.","start":1090.87,"end":1093.59,"sentiment":"positive","sentiment_score":0.5148598936696848},{"text":"I mean, you obviously know a lot more about these processes than than I could ever pretend to.","start":1093.59,"end":1099.115,"sentiment":"neutral","sentiment_score":0.13371301483776835},{"text":"So yeah.","start":1099.115,"end":1106.1849,"sentiment":"neutral","sentiment_score":0.18628644943237305}],"sentiment":"neutral","sentiment_score":0.2716982762728419,"num_words":35,"start":1090.07,"end":1106.1849},{"sentences":[{"text":"Sure.","start":1117.5499,"end":1118.0499,"sentiment":"neutral","sentiment_score":0.1787756234407425},{"text":"Mhmm.","start":1148.3301,"end":1148.8301,"sentiment":"neutral","sentiment_score":-0.023794863373041153},{"text":"Sure.","start":1148.97,"end":1149.47,"sentiment":"neutral","sentiment_score":0.030218690633773804},{"text":"Mhmm.","start":1162.265,"end":1162.505,"sentiment":"neutral","sentiment_score":0.03878310322761536},{"text":"Yep.","start":1162.505,"end":1162.905,"sentiment":"neutral","sentiment_score":0.07187163084745407}],"sentiment":"neutral","sentiment_score":0.05917083695530891,"num_words":5,"start":1117.5499,"end":1162.905},{"sentences":[{"text":"No.","start":1162.905,"end":1163.145,"sentiment":"neutral","sentiment_score":0.02344401180744171},{"text":"That's fine.","start":1163.145,"end":1163.705,"sentiment":"neutral","sentiment_score":0.16566961258649826},{"text":"I trust you.","start":1163.705,"end":1164.685,"sentiment":"neutral","sentiment_score":0.32964350779851276},{"text":"Mhmm.","start":1184.615,"end":1185.115,"sentiment":"neutral","sentiment_score":0.04096221178770065},{"text":"They certainly have.","start":1197.4199,"end":1198.64,"sentiment":"neutral","sentiment_score":0.0593689139932394}],"sentiment":"neutral","sentiment_score":0.15627827141433953,"num_words":10,"start":1162.905,"end":1198.64},{"sentences":[{"text":"Yeah.","start":1224.355,"end":1224.855,"sentiment":"neutral","sentiment_score":-0.02033756673336029},{"text":"Yep.","start":1238.165,"end":1238.645,"sentiment":"neutral","sentiment_score":0.1899037659168243},{"text":"That's that's really appreciated.","start":1238.645,"end":1240.025,"sentiment":"positive","sentiment_score":0.4126249924302101},{"text":"Mhmm.","start":1263.84,"end":1264.34,"sentiment":"neutral","sentiment_score":0.04534514248371124},{"text":"Yeah.","start":1284.85,"end":1285.35,"sentiment":"neutral","sentiment_score":0.2577580511569977}],"sentiment":"neutral","sentiment_score":0.2653961703181267,"num_words":8,"start":1224.355,"end":1285.35},{"sentences":[{"text":"Yep.","start":1300.145,"end":1300.645,"sentiment":"neutral","sentiment_score":0.07242834568023682},{"text":"I I obviously, I can't recall.","start":1310.04,"end":1312.78,"sentiment":"neutral","sentiment_score":-0.17874886219700178},{"text":"Mhmm.","start":1325.5851,"end":1326.0851,"sentiment":"neutral","sentiment_score":0.058466240763664246},{"text":"Yeah.","start":1379.8251,"end":1380.145,"sentiment":"neutral","sentiment_score":-0.012495847418904305},{"text":"For 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alright.","start":1424.3099,"end":1425.05,"sentiment":"neutral","sentiment_score":0.0672709085047245}],"sentiment":"neutral","sentiment_score":0.08839981895053407,"num_words":37,"start":1400.03,"end":1425.05},{"sentences":[{"text":"Yeah.","start":1436.975,"end":1437.215,"sentiment":"positive","sentiment_score":0.3774474859237671},{"text":"That would that would be very helpful.","start":1437.215,"end":1439.075,"sentiment":"positive","sentiment_score":0.608636234487806},{"text":"Yep.","start":1466.675,"end":1467.175,"sentiment":"neutral","sentiment_score":0.05441494286060333},{"text":"How how to yeah.","start":1486.4601,"end":1488.14,"sentiment":"neutral","sentiment_score":-0.07703027315437794},{"text":"How to escalate things if if required.","start":1488.14,"end":1490.505,"sentiment":"neutral","sentiment_score":-0.09401620232633182}],"sentiment":"neutral","sentiment_score":0.1863040780648589,"num_words":20,"start":1436.975,"end":1490.505},{"sentences":[{"text":"Yeah.","start":1493.405,"end":1493.905,"sentiment":"neutral","sentiment_score":-0.1145753264427185},{"text":"Unfortunately, in my industry, it is something that we do have to deal with quite a bit.","start":1496.8049,"end":1501.225,"sentiment":"negative","sentiment_score":-0.47875677838045005},{"text":"Mhmm.","start":1513.46,"end":1513.96,"sentiment":"neutral","sentiment_score":0.014294045977294443},{"text":"Sure.","start":1533.69,"end":1534.19,"sentiment":"neutral","sentiment_score":0.07863821089267731},{"text":"Sure.","start":1551.495,"end":1551.995,"sentiment":"neutral","sentiment_score":-0.0233338326215744}],"sentiment":"negative","sentiment_score":-0.3897067683172368,"num_words":21,"start":1493.405,"end":1551.995},{"sentences":[{"text":"Yep.","start":1584.58,"end":1585.08,"sentiment":"neutral","sentiment_score":0.26533108949661255},{"text":"No.","start":1629.7051,"end":1629.9451,"sentiment":"neutral","sentiment_score":-0.07352874428033829},{"text":"Fair enough.","start":1629.9451,"end":1630.685,"sentiment":"neutral","sentiment_score":-0.04726374335587025},{"text":"How do I get my hands on a winning glider ticket?","start":1636.665,"end":1638.745,"sentiment":"neutral","sentiment_score":0.2118395993655378},{"text":"Because I suppose that would also help my retirement funds.","start":1638.745,"end":1647.52,"sentiment":"neutral","sentiment_score":0.12270828448235989}],"sentiment":"neutral","sentiment_score":0.14618373185396194,"num_words":25,"start":1584.58,"end":1647.52},{"sentences":[{"text":"Not a problem.","start":1647.66,"end":1648.56,"sentiment":"neutral","sentiment_score":0.19567473232746124},{"text":"I'll see what I can do.","start":1648.78,"end":1650.24,"sentiment":"neutral","sentiment_score":0.1576522414882978},{"text":"No.","start":1651.18,"end":1651.5,"sentiment":"neutral","sentiment_score":0.04363541677594185},{"text":"That's that's fine.","start":1651.5,"end":1652.455,"sentiment":"neutral","sentiment_score":0.1707043101390203},{"text":"You you've explained that really well, Jenna.","start":1652.455,"end":1654.6349,"sentiment":"positive","sentiment_score":0.3876437246799469}],"sentiment":"neutral","sentiment_score":0.24010960329324008,"num_words":20,"start":1647.66,"end":1654.6349},{"sentences":[{"text":"You know?","start":1655.735,"end":1656.0549,"sentiment":"neutral","sentiment_score":0.21173512935638428},{"text":"So I'm I'm fully understanding of of what's expected, what I need to do, and and what you'll be doing in in the valuable time that you've got.","start":1656.0549,"end":1667.39,"sentiment":"neutral","sentiment_score":0.237976857061897},{"text":"Yeah.","start":1673.29,"end":1673.79,"sentiment":"neutral","sentiment_score":0.10192503035068512},{"text":"I would say email.","start":1690.33,"end":1691.95,"sentiment":"neutral","sentiment_score":0.018483552616089582},{"text":"Yep.","start":1694.1699,"end":1694.6699,"sentiment":"neutral","sentiment_score":0.0505431555211544}],"sentiment":"neutral","sentiment_score":0.20314512924394673,"num_words":36,"start":1655.735,"end":1694.6699},{"sentences":[{"text":"Yeah.","start":1702.155,"end":1702.555,"sentiment":"neutral","sentiment_score":0.09447242319583891},{"text":"Yep.","start":1702.555,"end":1703.055,"sentiment":"neutral","sentiment_score":0.1140943318605423},{"text":"For sure.","start":1710.875,"end":1711.615,"sentiment":"neutral","sentiment_score":0.18684043735265732},{"text":"Yeah.","start":1715.97,"end":1716.21,"sentiment":"neutral","sentiment_score":0.053830958902835846},{"text":"No.","start":1716.21,"end":1716.53,"sentiment":"neutral","sentiment_score":0.016584135591983795}],"sentiment":"neutral","sentiment_score":0.10877712070941925,"num_words":6,"start":1702.155,"end":1716.53},{"sentences":[{"text":"That's fine.","start":1716.53,"end":1717.35,"sentiment":"neutral","sentiment_score":0.09165994822978973},{"text":"That's fine.","start":1717.41,"end":1718.05,"sentiment":"neutral","sentiment_score":0.19309009611606598},{"text":"I'm not sure if it was you I spoke to the other day, but, you know, the unfortunate thing with my industry is, you know, I can book a I can book a time with you because at the time, I've got it free, but, you know, it changes.","start":1718.05,"end":1733.655,"sentiment":"neutral","sentiment_score":-0.11881120404114529},{"text":"Beautiful.","start":1741.315,"end":1741.815,"sentiment":"positive","sentiment_score":0.33992600440979004},{"text":"Yep.","start":1744.39,"end":1744.89,"sentiment":"neutral","sentiment_score":0.08478526771068573}],"sentiment":"neutral","sentiment_score":-0.08777341158552603,"num_words":55,"start":1716.53,"end":1744.89},{"sentences":[{"text":"No.","start":1751.1901,"end":1751.51,"sentiment":"neutral","sentiment_score":0.08115340024232864},{"text":"Annual is great.","start":1751.51,"end":1752.5701,"sentiment":"neutral","sentiment_score":0.3014584481716156},{"text":"For the time being, I'm I'm more than comfortable keeping them where they're at.","start":1773.71,"end":1777.09,"sentiment":"neutral","sentiment_score":0.1355362475982734},{"text":"Sure.","start":1785.15,"end":1785.65,"sentiment":"neutral","sentiment_score":0.1466374695301056},{"text":"Yep.","start":1798.2949,"end":1798.7949,"sentiment":"neutral","sentiment_score":0.13745270669460297}],"sentiment":"neutral","sentiment_score":0.15835631936788558,"num_words":20,"start":1751.1901,"end":1798.7949},{"sentences":[{"text":"Sure.","start":1798.9349,"end":1799.255,"sentiment":"neutral","sentiment_score":0.12565386295318604},{"text":"Sure.","start":1799.255,"end":1799.755,"sentiment":"neutral","sentiment_score":0.12912145256996155},{"text":"No.","start":1805.67,"end":1805.99,"sentiment":"neutral","sentiment_score":-0.039794281125068665},{"text":"That's fine for now.","start":1805.99,"end":1807.45,"sentiment":"neutral","sentiment_score":-0.0075454688630998135},{"text":"Oh, no.","start":1813.99,"end":1814.63,"sentiment":"neutral","sentiment_score":-0.04052524454891682}],"sentiment":"neutral","sentiment_score":0.011527629983094003,"num_words":9,"start":1798.9349,"end":1814.63},{"sentences":[{"text":"No.","start":1814.63,"end":1814.95,"sentiment":"neutral","sentiment_score":-0.059640344232320786},{"text":"That's okay.","start":1814.95,"end":1815.77,"sentiment":"neutral","sentiment_score":-0.02808857522904873},{"text":"No.","start":1816.8251,"end":1817.0651,"sentiment":"neutral","sentiment_score":-0.021201951429247856},{"text":"That's alright.","start":1817.0651,"end":1817.9651,"sentiment":"neutral","sentiment_score":-0.018826088402420282},{"text":"We it it has to be done.","start":1818.025,"end":1821.305,"sentiment":"neutral","sentiment_score":-0.20199491828680038}],"sentiment":"neutral","sentiment_score":-0.1222027731486238,"num_words":13,"start":1814.63,"end":1821.305},{"sentences":[{"text":"So I I thought I'll I'll book it for today because I've I've booked time off work, you know, just to relax.","start":1821.305,"end":1830.46,"sentiment":"neutral","sentiment_score":0.07186484844847159},{"text":"And and I thought, well, what about there won't be a better time to take care of this than than when I can guarantee a bit of free time.","start":1830.5199,"end":1839.1,"sentiment":"neutral","sentiment_score":0.15657964939701147},{"text":"Brilliant.","start":1846.195,"end":1846.6749,"sentiment":"positive","sentiment_score":0.7913212776184082},{"text":"Alright.","start":1846.6749,"end":1846.995,"sentiment":"positive","sentiment_score":0.5906152725219727},{"text":"Well, thank you so much for your help, Jenna.","start":1846.995,"end":1848.775,"sentiment":"positive","sentiment_score":0.7637937532530891}],"sentiment":"neutral","sentiment_score":0.2319018843193208,"num_words":62,"start":1821.305,"end":1848.775},{"sentences":[{"text":"You too.","start":1851.715,"end":1852.195,"sentiment":"positive","sentiment_score":0.4956779479980469},{"text":"Bye now.","start":1852.195,"end":1852.9349,"sentiment":"neutral","sentiment_score":0.29713182151317596}],"sentiment":"positive","sentiment_score":0.3964048847556114,"num_words":4,"start":1851.715,"end":1852.9349}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, David. How are you?\n\nChannel 1: Yeah. Good. Thanks. I'm not sure what happened there. It just all went quiet and then hung up.\n\nChannel 0: Yeah. It went quiet on my end and did the same thing, so I thought I thought I'd just leave it for a little bit. Maybe there was a service issue on my end or your end. I wasn't quite sure. So\n\nChannel 1: Look. It wouldn't it wouldn't surprise you if the service issue was on my end. I've been having trouble with my mobile ever since I changed provider.\n\nChannel 0: oh, no. Who'd you change to? Oh, yeah. Okay. Optus.\n\nI think yep. Okay. Yeah.\n\nChannel 1: Boost.\n\nChannel 0: They're generally pretty good. Hopefully, it sorts itself out for you.\n\nChannel 1: Yeah. It's been ongoing for so long. I've given up chasing him up about it, but oh, well.\n\nChannel 0: Yeah. That's understandable. I'll try and make this very quick for you because I know that you have the family in the car. So\n\nChannel 1: That's okay.\n\nChannel 0: I just need to go through and just double check some of the personal information of kin\n\nChannel 1: Sure.\n\nChannel 0: is your of kin is your wife's your wife with her phone number ending in 110?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Beautiful. And it looks like the last time we spoke, you have two children. Is that still the case, or have you had any more?\n\nChannel 1: No. We still got the two.\n\nChannel 0: Yeah? A little boy, girl, both?\n\nChannel 1: One one of each. We've got a four year old,\n\nChannel 0: Oh,\n\nChannel 1: a girl, and a a a little toddler Saurus Rex about to turn two, and and and that's a boy.\n\nChannel 0: bless. What are their names?\n\nChannel 1: We've got Moira and Isaac.\n\nChannel 0: Oh, such beautiful names. I love them.\n\nChannel 1: Absolutely.\n\nChannel 0: Oh, with your occupation,\n\nChannel 1: Yep.\n\nChannel 0: are you still employed with Christian Funeral?\n\nChannel 1: What? Yes. I I'm still employed by their parent company, Invocare.\n\nChannel 0: Yes.\n\nChannel 1: Although I as of tomorrow, I started a new location.\n\nChannel 0: Okay.\n\nChannel 1: So, yeah, I'm still a funeral director working under Invocare's banner, I suppose.\n\nChannel 0: Yep. Okay. It's just a new location.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: So would it Chris Christian Funeral still be your employer or InvoCare?\n\nChannel 1: We'll put InvoCare.\n\nChannel 0: Yep. Fantastic. And how long have you been with them for? Since oh, I'm sorry. I've got it since September 2023.\n\nIs that right?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Beautiful. And are you in the new location? Are you still gonna be full time with forty hours a week?\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Fantastic. Moving along, what is your gross income?\n\nChannel 1: That's a good question. Just because we've we were probably one of the only states without an EBA, but in\n\nChannel 0: Okay.\n\nChannel 1: the funeral industry. So we've just been granted one of them.\n\nChannel 0: Okay.\n\nChannel 1: I I think I think about seventy five,\n\nChannel 0: Okay.\n\nChannel 1: I think.\n\nChannel 0: That's okay. Now with what's included in your EBA? Do you know at the off the top of your\n\nChannel 1: No.\n\nChannel 0: head?\n\nChannel 1: I don't.\n\nChannel 0: No? Okay. Is are you are you paid any additional super, or is it just the standard 12%?\n\nChannel 1: I think it's just the standard 12%.\n\nChannel 0: Yep. Beautiful. Okay. Do you have any idea what your expenditure is per week? So expenses, like, just combined?\n\nIt doesn't have to be broken down or anything if you're not sure.\n\nChannel 1: I would probably say probably looking at about rough guess, probably about 900\n\nChannel 0: Yep.\n\nChannel 1: a week. I you know, that's that's including things like rent and bills that are constantly coming out and,\n\nChannel 0: Yeah. Of course.\n\nChannel 1: you know,\n\nChannel 0: Yep.\n\nChannel 1: other expenses. So, yeah, probably\n\nChannel 0: Yep.\n\nChannel 1: probably about 900 to 1,000,\n\nChannel 0: Yep. Okay.\n\nChannel 1: I guess.\n\nChannel 0: Beautiful. And what about savings? Are you having any are you able to do any savings per week or per fortnight?\n\nChannel 1: Yeah. We we do. We've got we put about $50 a a week, is it,\n\nChannel 0: Yep.\n\nChannel 1: of of Yeah. A week or a fortnight.\n\nChannel 0: Yep. Just into a savings account?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Alright. Besides the super contribution that your employer do you make any additional to super?\n\nChannel 1: No. I don't.\n\nChannel 0: No. Great. Moving on to assets and liabilities, we have a car here valued at about $26,000 with a\n\nChannel 1: Yes.\n\nChannel 0: debt attached of 25. Have those figures changed? Or\n\nChannel 1: Well, I'd like to think that the debt's probably come down a bit. But,\n\nChannel 0: yeah.\n\nChannel 1: yeah, we still got the same car.\n\nChannel 0: Yeah. And you don't know do you know off the top of your head what the\n\nChannel 1: I'm\n\nChannel 0: debt\n\nChannel 1: trying to think of that. What\n\nChannel 0: is?\n\nChannel 1: about repayment, like, every month? Is it 300 is it 400? 481 a month. So times that by 12, and that's what it probably would have come down by.\n\nChannel 0: Okay. Alright. So you've only had it for twelve months, like, roughly?\n\nChannel 1: We've had we've had the car for two years, but I'm I'm just saying\n\nChannel 0: Yes.\n\nChannel 1: that\n\nChannel 0: Allowing for\n\nChannel 1: yeah.\n\nChannel 0: interest. Yeah. Okay. Do you have any other assets or debts outside of the car?\n\nChannel 1: Just another I had an accident a couple of years ago, which I'm still paying off through another insurance provider because I was silly and didn't have insurance\n\nChannel 0: Yeah.\n\nChannel 1: myself.\n\nChannel 0: Okay. No worries. Do you know how much that is or how how much you've got left owing or how much you're paying?\n\nChannel 1: I think from the top of my head, it's about 6,000 left on that.\n\nChannel 0: Yep. And do you pay any regular amount?\n\nChannel 1: Yeah. A $100 a month.\n\nChannel 0: Okay. Beautiful. Alright. And have you sorry to ask this question, but it's one of the ones that we've gotta check. Have you ever been declared bankrupt?\n\nChannel 1: No.\n\nChannel 0: And are you a tax resident of any country outside of Australia?\n\nChannel 1: Nope.\n\nChannel 0: Nope. Beautiful. Okeydokely.\n\nChannel 1: I can\n\nChannel 0: Now\n\nChannel 1: I can barely afford to pay tax here, let alone in another country as well?\n\nChannel 0: I hear you on that one. It's quite expensive, isn't it?\n\nChannel 1: Yeah. I reckon so.\n\nChannel 0: Do you have a will or power of attorney in place?\n\nChannel 1: I\n\nChannel 0: Yep.\n\nChannel 1: do have I've set up a will with I think it's called SafeWill or Safeguard or something like that.\n\nChannel 0: Okay.\n\nChannel 1: It's one one that I set up about eighteen months ago.\n\nChannel 0: Yep.\n\nChannel 1: I think it's all in place. I've I've tried ticking all their boxes as much as possible, but yes.\n\nChannel 0: Okay. And do you have a power of attorney?\n\nChannel 1: No. I don't have a power return.\n\nChannel 0: No. Okay.\n\nChannel 1: Oh,\n\nChannel 0: Being within the occupation you are, I'm sure you're aware of what a power of attorney is, so I probably don't need to educate\n\nChannel 1: you certainly\n\nChannel 0: you on\n\nChannel 1: do\n\nChannel 0: that.\n\nChannel 1: know what a power of attorney is.\n\nChannel 0: Fantastic. Is it something you're go you're looking at doing or getting in place?\n\nChannel 1: Yeah. Certainly certainly, we'll look at doing it. I actually can't remember if I may have even because when I was putting the application for this will, I may have even ticked the box that said that they'll act as my power of attorney, but I can't quite remember. It was\n\nChannel 0: Okay.\n\nChannel 1: eighteen\n\nChannel 0: That's\n\nChannel 1: months ago. So\n\nChannel 0: yeah. Okay. And did you get a copy of the will, or did was it emailed\n\nChannel 1: I I'm sure it was probably emailed\n\nChannel 0: to you?\n\nChannel 1: to me.\n\nChannel 0: Or okay. If after this conversation, if it's okay, I might email you and see if, when you do have some time, if you can download that for me and send us a copy. Because the\n\nChannel 1: Sure.\n\nChannel 0: reason why is if anything happens to you, if we do have a copy of it on file, we know who your executor is. And even though your wife is listed as your next of kin, without those documents, we can't actually speak to her. So if we've\n\nChannel 1: Yeah.\n\nChannel 0: got it\n\nChannel 1: For\n\nChannel 0: on\n\nChannel 1: sure.\n\nChannel 0: file, it'll make it does make that that difficult period a lot easier. So I'll just make a note to send you an email to\n\nChannel 1: Yes.\n\nChannel 0: get a\n\nChannel 1: Yeah.\n\nChannel 0: copy of that for\n\nChannel 1: That's fine. Not a problem.\n\nChannel 0: file. Perfect. I'm just gonna revert back to the goals and objectives you had from your last review\n\nChannel 1: Mhmm.\n\nChannel 0: and just see if they're still relevant or if there's any more that you wish to add in. So one was that within the next five years, you wanna purchase a house and you want advice on how the first homeowner super saver scheme and the first homeowner grant works. Is that still a priority for you right now?\n\nChannel 1: It's it's still a priority. I wouldn't say it's on the top of my priority list at the moment. But, yes, it's certainly still something that we want to look into.\n\nChannel 0: Mhmm. Is it and then it's still a five year time frame, or has that reduced?\n\nChannel 1: I would I'd probably say, yeah, in a in a five year time frame.\n\nChannel 0: Okay. Okay. Fantastic. I will leave that one there. You have said that in your retirement, you want your debts paid off, and you won't be able to live comfortably and have enough money in your super to not have to work later in life so you can spend your time in retirement, enjoying your family.\n\nYou have\n\nChannel 1: Yeah.\n\nChannel 0: retirement age at 67 needing $1,000 per week. Do you still think that is what you're aiming for?\n\nChannel 1: I'd I'd probably need to increase that with the way that the\n\nChannel 0: Yep.\n\nChannel 1: financial world's\n\nChannel 0: Do you think\n\nChannel 1: looking.\n\nChannel 0: 67\n\nChannel 1: What\n\nChannel 0: is still appropriate,\n\nChannel 1: I\n\nChannel 0: or would\n\nChannel 1: want\n\nChannel 0: you like it less?\n\nChannel 1: and what I can have are two different things, Jenna. What I'd like is to retire earlier, but\n\nChannel 0: Yes.\n\nChannel 1: and, you know, let's let's face it. We we live in a realistic world. I would probably\n\nChannel 0: Yep.\n\nChannel 1: have to say, you know, 70\n\nChannel 0: Yep. Okay.\n\nChannel 1: would probably be the the the age of I'd probably have to look at retiring nowadays.\n\nChannel 0: Yep. But your ideal one would be 67 or earlier if possible?\n\nChannel 1: Oh, yeah.\n\nChannel 0: Yep. Okay. Fantastic. And if you were to increase it to a thousand dollars a week I mean, increase it from a thousand dollars a week, Is that what would you increase that to? And is that to cover a retirement income for you and your wife or just for yourself with I mean, would she have superannuation to access as well so you can combine it together for an income stream, or is this just based on a combined income?\n\nChannel 1: So at at the moment, what my wife's not working as she doesn't have any super,\n\nChannel 0: Yep.\n\nChannel 1: but it is one of our, again, this is one of our our short short term goals. And what I mean when I said, you know, looking at a house supply is not on the top of my priority list. So,\n\nChannel 0: Yeah.\n\nChannel 1: obviously, getting that additional income is on on the top of my priority listing there. So\n\nChannel 0: Mhmm.\n\nChannel 1: I would say that I'd, you know, I'd still like to I'd like to think of a thousand dollars as being enough for us to, you know, sort of get by a week to week basis, but I'd probably look at increasing it to about 1,500.\n\nChannel 0: Mhmm. Yep. Perfect. Alright. Beautiful.\n\nAnd then the other goal we had was that you wanted to get advice on an appropriate level of income for your life, typically, and income protection. You didn't wanna pay a large amount in premiums, and you're happy with your insurance. So there\n\nChannel 1: Yep.\n\nChannel 0: was no changes recommended from your insurance.\n\nChannel 1: Yep.\n\nChannel 0: So I'll work through those amounts with you in a moment to make sure that you're still comfortable with them. But\n\nChannel 1: Sure.\n\nChannel 0: outside of those, is there any new goals and objectives that you really wanna look at addressing in the meantime?\n\nChannel 1: No. Not nothing had that in in the meantime.\n\nChannel 0: No?\n\nChannel 1: Just those two main ones, I suppose.\n\nChannel 0: Yeah. Of course. Okay. Fantastic. What I have\n\nChannel 1: Mhmm.\n\nChannel 0: when you have a chance, when you are not driving, you will see an email in your inbox, and it will be from Odoo sign. And that this is just your review pack. So what you'll need do\n\nChannel 1: Yep.\n\nChannel 0: is I'm gonna run through it verbally with you on the phone now, but you'll need to open it. And it's a sign it's an electronic signature document, but it won't allow you to sign anything until you get to the very end.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: No. That's\n\nChannel 0: there's gonna be some documents which will run over your balance. So it'll give you a brief overview view of your balance in hub twenty four\n\nChannel 1: not.\n\nChannel 0: and\n\nChannel 1: Mhmm.\n\nChannel 0: then your insurances. So in hub at the moment, you've as of the August 27, the balance is sitting at $85,630. And\n\nChannel 1: No\n\nChannel 0: your\n\nChannel 1: worries.\n\nChannel 0: insurance yeah. And your insurance policy policies are with ClearView, and your life insurance is sitting at $596,166 with the same level of cover for your total and permanent disablement. And\n\nChannel 1: Mhmm.\n\nChannel 0: we have your income protection at $5,239 per month with a thirty day waiting period and a five year benefit period. So what that\n\nChannel 1: Sure.\n\nChannel 0: means is if you are unable to work due to injury or illness, if you think of the waiting period similar to an excess, you've gotta wait for thirty days with no income, and then you'll start getting paid post that. And it's generally the thirty days after that. You'll they'll pay it monthly to you.\n\nChannel 1: Mhmm. Yeah. Fair enough.\n\nChannel 0: That yeah. So that premium is 2,200 and\n\nChannel 1: Mhmm.\n\nChannel 0: $31, and that's funded from hub twenty four, your superannuation balance at the present\n\nChannel 1: Yeah.\n\nChannel 0: moment.\n\nChannel 1: Yep.\n\nChannel 0: The next document you'll come across is the performance of your super fund at the moment. You're currently a growth you're invested as a growth investor, which means we have 80% of your investments allocated to growth. The growth sector, which is international Australian shares and property, and then 20% allocated to defensive assets such as fixed interest and cash.\n\nChannel 1: Sure.\n\nChannel 0: Overall, your portfolio in the last twelve months has returned net of fees, 5.64%. It falls a little bit short of the average return for a growth portfolio, which we see generally sit between seven to 9%. There is\n\nChannel 1: Mhmm.\n\nChannel 0: a reason for it, and you'll see when you have a look at these documents. One of the funds, it's the one at the very top, is called the Bennelong Australian Equities Fund, and it has experienced a significant loss or negative return, let's call it, of about 17% for the last twelve months. Now to put that in context, it's not that the Australian share market has performed badly. It's that Benelong's approach to well, their mandate to investment in that fund is to identify companies in Australia that are undervalued and that have\n\nChannel 1: Mhmm.\n\nChannel 0: the ability for significant growth. Unfortunately, it hasn't been prosperous for them in the last twelve months twelve plus months. And instead, the market has really favored the banks and the the top big companies. So what we're doing for our clients is our investment committee has decided that, although there's nothing wrong with Bennelong at all, but due to underperformance, we're looking at other options for our clients just to look at have a look out there and see if there's anything better that can we can look at replacing it with to help achieve your goals and objectives. So we\n\nChannel 1: For\n\nChannel 0: we're\n\nChannel 1: sure.\n\nChannel 0: obviously gonna experience losses. The market goes up and down. But when it becomes a long term experience, we look at ways that we can\n\nChannel 1: Yeah.\n\nChannel 0: replace that. So if you're happy for me to investigate that a little bit, that's gonna be one of my jobs post hour of you just to look at what other options are there to replace that\n\nChannel 1: Yeah.\n\nChannel 0: then\n\nChannel 1: Pretty\n\nChannel 0: along fund for you.\n\nChannel 1: sure. Yep. No. That's fine. I'm I'm happy for you to go go ahead and do\n\nChannel 0: Beautiful.\n\nChannel 1: that. I mean, you obviously know a lot more about these processes than than I could ever pretend to. So\n\nChannel 0: Well, that's what we're here for, to help guide you and give you the advice to make sure that\n\nChannel 1: yeah.\n\nChannel 0: it's not obviously, performance is important, but it's also about making informed decisions, and that's what we're here to help with, just helping you make those informed decisions.\n\nChannel 1: Sure.\n\nChannel 0: The other investment option that I would like to personally look at is the bank hybrids. Now the Australian banking system will be those out as an investment option from January 2027. It's not operating at a loss or anything of that nature. However, at some point in time, they are going to be phased out and replaced with something else.\n\nChannel 1: Mhmm.\n\nChannel 0: I would\n\nChannel 1: Sure.\n\nChannel 0: like to conduct a little bit of research to see if now is a good time to potentially replace that or whether we hold for a little bit. So with your permission, I'd like to have a look at that one as well if you're comfortable with\n\nChannel 1: Mhmm. Yep. No. That's fine. I trust you.\n\nChannel 0: that. Beautiful. Thank you. Alright. The rest of your portfolio is performing extremely well.\n\nYou've got quite a few satellite investments in there. You've got some which are more niche type sectors, I guess, we'd call them. So you've got\n\nChannel 1: Mhmm.\n\nChannel 0: global cyber in there. You've got some exposure to that, some battery tech and lithium. So your electric cars, which, you know, have had a great bump in the last little bit. You've got\n\nChannel 1: They certainly\n\nChannel 0: some gold\n\nChannel 1: have.\n\nChannel 0: yeah. And you've got some gold exposure along with some property exposure. Now at the moment, the property return is down a little bit. It's changed from last week, and that's just market fluctuation, which we would expect in the growth sectors. So there's no that's nothing that I'm concerned about.\n\nThat's just, for me, the ups and downs of the market.\n\nChannel 1: Yeah.\n\nChannel 0: So outside of those other two, quite happy with your portfolio, and I would I'll just go to work and get reviewing on those two that we mentioned.\n\nChannel 1: Yep.\n\nChannel 0: The next\n\nChannel 1: That's that's really appreciated.\n\nChannel 0: thank you. Yep. Perfect. So the next document in the packet is just a it's called the 2026 Vanguard index chart. It just show it's just a bit of an illustrative chart for our that we share with our clients to just show how the markets react.\n\nSo the top four assets in the down the right hand column are your gross assets, and the bottom\n\nChannel 1: Mhmm.\n\nChannel 0: two are your defensive assets. So it just gives you a bit of a as an idea that 80% of your assets or your funds are in the top four. So you can see the volatility that it can experience over time that held for the long term. It usually turns out to be a better outcome. So\n\nChannel 1: Yeah.\n\nChannel 0: the next document is a certificate certificate of currency for your insurance policy. So it just shows you a rundown of what those sums insured are that we went over before.\n\nChannel 1: Yep.\n\nChannel 0: The only thing I will note is that you don't have a trauma insurance policy. Has anyone spoke to you about that previously?\n\nChannel 1: I I obviously, I can't recall.\n\nChannel 0: That's fine. That's absolutely fine. I'll give you a quick really quick overview of it just so you're you can make a decision as to whether it's something you wanna look into further. Basically,\n\nChannel 1: Mhmm.\n\nChannel 0: what a trauma policy is is it is a lump sum tax free payment to an individual when they are diagnosed with a specific claimable condition. So they can range from different types of cancers, heart attack, and stroke, for example. And there are different gradings as to when you meet the claim approval process. And it covers it's designed to cover items such as out of pocket medical expenses, a recovery period before you return to work because, typically, what we find is that someone that claims on a trauma policy may not it may not necessarily be terminal. They just need some time to recover, and their income protection may not cover what they actually need\n\nChannel 1: Yeah. For sure.\n\nChannel 0: to. So the as trauma is tax free, it is paid out of personal cash flow. So that's the other consideration to take. Well, the other matter to consider is that it will come out it will need to be funded by personal cash flow, but it's also a pretty important policy to\n\nChannel 1: Yeah.\n\nChannel 0: have. So is that something you wanna look at now or later on down the track?\n\nChannel 1: I think I'll I'll I'll I'll I'll need to do a bit more thinking about that one.\n\nChannel 0: Yep. That's\n\nChannel 1: I mean, it is it it makes complete sense,\n\nChannel 0: okay.\n\nChannel 1: you know,\n\nChannel 0: Yeah. Yep. I'll\n\nChannel 1: either\n\nChannel 0: put\n\nChannel 1: of people\n\nChannel 0: I'll see if I can sorry.\n\nChannel 1: no. You're alright. You're\n\nChannel 0: I\n\nChannel 1: alright.\n\nChannel 0: I'll what I'll do is I'll see if I can put together some information for you and send that through in the same email when we ask for the will with some material for you to have a read about.\n\nChannel 1: Yeah. That would that would be very helpful.\n\nChannel 0: Beautiful. The next document in the pack is our financial services guide. It is a regulatory document that we're required to share with all of our clients. It will just tell you who we are, who we're licensed by, and that we're licensed through. It will give you a little bit of information on the services we provide and how we do provide advice, fees and\n\nChannel 1: Yep.\n\nChannel 0: charges, and also important for clients is the complaints handling process. So if you are unhappy, how you go about sharing that and then other other ways if it's not met to your expectation.\n\nChannel 1: How how to yeah. How to escalate things if if required.\n\nChannel 0: Yep. Yes. Yep. Took the words right out of my mouth\n\nChannel 1: Yeah.\n\nChannel 0: that I were was unable to verbalize. Thank you.\n\nChannel 1: Unfortunately, in my industry, it is something that we do have to deal with quite a bit.\n\nChannel 0: I can imagine. I can imagine. Yeah. And the final two documents in the pack are the ones that require signing. So one of them will be provide your tax file number.\n\nThe reason\n\nChannel 1: Mhmm.\n\nChannel 0: why we have that on file, it's already prefilled for you. It's because we don't it's the only place we hold it, and the reason we do is to provide to hub twenty four. So and the insurance companies to ensure that you're not taxed at a higher well, your superannuation isn't taxed at a higher rate being that,\n\nChannel 1: Sure.\n\nChannel 0: you know, how it works if you don't provide your tax cell number. So if you can sign that one through the electronic signature system, that would be great. And the last one is your ongoing your consent to the new ongoing fee arrangement. So\n\nChannel 1: Sure.\n\nChannel 0: all that so you'll notice it's the the bottom the the box in the bottom of the page, on the first page of that document has the amount. It's $1,412.90 per annum. Now that is then divided by 12 and deducted from your hub twenty four account on a monthly basis, and that is a fixed fee. So it's not gonna vary based on the market, for example. So\n\nChannel 1: Yep.\n\nChannel 0: if, for for example, you had a fantastic year, it's gonna be 1.65% of your fantastic year. That's it's a fixed flat fee. So that will be reviewed every year as you come up for your annual review. But what that translates to is a $117.74 per month from your super fund. And what that allows you to do is phone off at any time, ask questions.\n\nIf you've come across a new area or advice that you need, we're here. You're not just set to the the one annual review per year. It's entirely up to you as to how often and how much you you'd like to engage us or any advice you\n\nChannel 1: No. Fair enough.\n\nChannel 0: need. Alright. Do you have any other questions?\n\nChannel 1: How do I get my hands on a winning glider ticket? Because I suppose that would also help my retirement\n\nChannel 0: Can you can you also get one on your hands on one for me too, please?\n\nChannel 1: funds. Not a problem. I'll see what I can do. No. That's that's fine.\n\nYou you've explained that really well, Jenna. You know? So I'm I'm fully understanding of of what's expected, what I need to do, and and what you'll be doing in in the valuable time that you've got.\n\nChannel 0: Yep. Perfect. Well, I will I've got I've got a few action items on my end.\n\nChannel 1: Yeah.\n\nChannel 0: Like, we will likely recommend to replace those two those two investment options I spoke about, you know, pending that they're gonna put you in a better outcome, whatever we look at. So what will happen from here is, I guess, the best way to contact you is that email or phone?\n\nChannel 1: I would say email.\n\nChannel 0: Email.\n\nChannel 1: Yep.\n\nChannel 0: Because I'll reach out and let you know we'll have to have another catch up on the phone, but we can arrange that through\n\nChannel 1: Yeah.\n\nChannel 0: I'll\n\nChannel 1: Yep.\n\nChannel 0: converse with you via email to arrange that just to present any changes that we would recommend that you do,\n\nChannel 1: For sure.\n\nChannel 0: and we can go from there if you're happy with that.\n\nChannel 1: Yeah. No. That's fine. That's fine. I'm\n\nChannel 0: Yep.\n\nChannel 1: not sure if it was you I spoke to the other day, but, you know, the unfortunate thing with my industry is, you know, I can book a I can book a time with you because at the time, I've got it free, but,\n\nChannel 0: Yeah. Yeah. I\n\nChannel 1: you\n\nChannel 0: do\n\nChannel 1: know,\n\nChannel 0: recall you saying\n\nChannel 1: it changes.\n\nChannel 0: that. Yes. Yeah. Yep. That's no.\n\nThat's absolutely fine. I'm flexible and can work around you.\n\nChannel 1: Beautiful.\n\nChannel 0: Two last questions I have. Are you\n\nChannel 1: Yep.\n\nChannel 0: happy to keep your review frequency at an annual basis, or would you like it more frequent?\n\nChannel 1: No. Annual is great.\n\nChannel 0: Beautiful. And, also, that we've discussed the the as like, the the split between the 80 to 20 to your gross to defensive assets, are you happy to keep it at that, or did you wanna look at increasing your exposure to growth assets, or you're comfortable keeping them where they are for the time being?\n\nChannel 1: For the time being, I'm I'm more than comfortable keeping them where they're at.\n\nChannel 0: Fantastic. Alright. I am going to get to work on what I need to do.\n\nChannel 1: Sure.\n\nChannel 0: Before I before we finish up, I'll just get you to sign those documents once you've had a review of them. And if you've got any questions, by all means, if you before signing them, give me a call,\n\nChannel 1: Yep.\n\nChannel 0: and I'd\n\nChannel 1: Sure.\n\nChannel 0: be happy\n\nChannel 1: Sure.\n\nChannel 0: to talk through them with you. And then lastly, any other questions from yourself?\n\nChannel 1: No. That's fine for now.\n\nChannel 0: Fantastic. Well, thank you so much, David, for your time, and my apologies to your family and your\n\nChannel 1: Oh,\n\nChannel 0: your\n\nChannel 1: no.\n\nChannel 0: wife\n\nChannel 1: No.\n\nChannel 0: and\n\nChannel 1: That's\n\nChannel 0: your\n\nChannel 1: okay.\n\nChannel 0: children.\n\nChannel 1: No. That's\n\nChannel 0: And\n\nChannel 1: alright. We it\n\nChannel 0: you're\n\nChannel 1: it has\n\nChannel 0: sorry?\n\nChannel 1: to be done. So I I thought I'll I'll book it for today because I've I've booked time off work,\n\nChannel 0: Yeah.\n\nChannel 1: you know, just to relax. And and I thought, well, what about there won't be a better time to take care of this than than when I can guarantee a bit of free time.\n\nChannel 0: Oh, well, thank you for making the time. We appreciate it, and I'll be in contact soon.\n\nChannel 1: Brilliant. Alright. Well, thank you so much for your help, Jenna.\n\nChannel 0: Thank you. Enjoy your afternoon.\n\nChannel 1: You too. Bye now.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi, David.","start":1.52,"end":2.42,"sentiment":"neutral","sentiment_score":0.17696405947208405},{"text":"How are you?","start":2.56,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.1985814025004705}],"sentiment":"neutral","sentiment_score":0.1899344652891159,"channel":0,"num_words":5,"start":1.52,"end":3.3799999},{"sentences":[{"text":"Yeah.","start":3.84,"end":4.16,"sentiment":"neutral","sentiment_score":0.33037227392196655},{"text":"Good.","start":4.16,"end":4.4,"sentiment":"positive","sentiment_score":0.6156384944915771},{"text":"Thanks.","start":4.4,"end":4.72,"sentiment":"positive","sentiment_score":0.5261679291725159},{"text":"I'm not sure what happened there.","start":4.72,"end":5.92,"sentiment":"neutral","sentiment_score":-0.23149062444766363},{"text":"It just all went quiet and then hung up.","start":5.92,"end":8.1,"sentiment":"neutral","sentiment_score":-0.22634940842787424}],"sentiment":"neutral","sentiment_score":-0.1085505402750439,"channel":1,"num_words":18,"start":3.84,"end":8.1},{"sentences":[{"text":"Yeah.","start":8.559999,"end":8.88,"sentiment":"neutral","sentiment_score":-0.11674059927463531},{"text":"It went quiet on my end and did the same thing, so I thought I thought I'd just leave it for a little bit.","start":8.88,"end":13.755,"sentiment":"neutral","sentiment_score":-0.14381051994860172},{"text":"Maybe there was a service issue on my end or your end.","start":13.755,"end":17.515,"sentiment":"neutral","sentiment_score":-0.21674189840753874},{"text":"I wasn't quite sure.","start":17.515,"end":18.795,"sentiment":"neutral","sentiment_score":-0.170709028840065},{"text":"So","start":18.795,"end":19.295,"sentiment":"neutral","sentiment_score":-0.06429983675479889}],"sentiment":"neutral","sentiment_score":-0.16467218597730002,"channel":0,"num_words":42,"start":8.559999,"end":19.295},{"sentences":[{"text":"Look.","start":19.095001,"end":19.495,"sentiment":"neutral","sentiment_score":-0.05221397802233696},{"text":"It wouldn't it wouldn't surprise you if the service issue was on my end.","start":19.495,"end":22.215,"sentiment":"neutral","sentiment_score":-0.12406697017805916},{"text":"I've been having trouble with my mobile ever since I changed provider.","start":22.215,"end":25.355,"sentiment":"negative","sentiment_score":-0.34522173802057904}],"sentiment":"neutral","sentiment_score":-0.21969675617637457,"channel":1,"num_words":27,"start":19.095001,"end":25.355},{"sentences":[{"text":"oh, no.","start":26.154999,"end":26.555,"sentiment":"neutral","sentiment_score":-0.10263949632644653},{"text":"Who'd you change to?","start":26.555,"end":27.859999,"sentiment":"neutral","sentiment_score":-0.08975385688245296},{"text":"Oh, yeah.","start":30.24,"end":30.88,"sentiment":"neutral","sentiment_score":-0.019500103779137135},{"text":"Okay.","start":30.88,"end":31.279999,"sentiment":"neutral","sentiment_score":-0.01009535789489746},{"text":"Optus.","start":31.279999,"end":31.759998,"sentiment":"neutral","sentiment_score":0.004758112598210573}],"sentiment":"neutral","sentiment_score":-0.06086318730376661,"channel":0,"num_words":10,"start":26.154999,"end":31.759998},{"sentences":[{"text":"I think 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meantime?","start":810.475,"end":818.43,"sentiment":"neutral","sentiment_score":0.04013530071824789}],"sentiment":"neutral","sentiment_score":0.04013530071824789,"channel":0,"num_words":20,"start":810.475,"end":818.43},{"sentences":[{"text":"No.","start":819.645,"end":820.045,"sentiment":"neutral","sentiment_score":-0.08469638228416443},{"text":"Not nothing had that in in the meantime.","start":820.045,"end":822.685,"sentiment":"neutral","sentiment_score":-0.1282419553026557}],"sentiment":"neutral","sentiment_score":-0.12340355830060111,"channel":1,"num_words":9,"start":819.645,"end":822.685},{"sentences":[{"text":"No?","start":822.25,"end":822.75,"sentiment":"neutral","sentiment_score":-0.06114507839083672}],"sentiment":"neutral","sentiment_score":-0.06114507839083672,"channel":0,"num_words":1,"start":822.25,"end":822.75},{"sentences":[{"text":"Just those two main ones, I 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gonna be some documents which will run over your balance.","start":858.025,"end":862.745,"sentiment":"neutral","sentiment_score":-0.08697677640752359},{"text":"So it'll give you a brief overview view of your balance in hub twenty 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that 80% of your assets or your funds are in the top four.","start":1267.1699,"end":1273.19,"sentiment":"neutral","sentiment_score":0.24252161502838135},{"text":"So you can see the volatility that it can experience over time that held for the long term.","start":1273.4099,"end":1279.3251,"sentiment":"neutral","sentiment_score":0.13980088217390907},{"text":"It usually turns out to be a better outcome.","start":1280.185,"end":1283.885,"sentiment":"positive","sentiment_score":0.43694502115249634},{"text":"So","start":1284.745,"end":1285.245,"sentiment":"neutral","sentiment_score":0.2318035364151001}],"sentiment":"neutral","sentiment_score":0.22218196334092524,"channel":0,"num_words":58,"start":1264.2899,"end":1285.245},{"sentences":[{"text":"Yeah.","start":1284.85,"end":1285.35,"sentiment":"neutral","sentiment_score":0.2577580511569977}],"sentiment":"neutral","sentiment_score":0.2577580511569977,"channel":1,"num_words":1,"start":1284.85,"end":1285.35},{"sentences":[{"text":"the next document is a certificate certificate of currency for your insurance policy.","start":1287.305,"end":1293.6,"sentiment":"neutral","sentiment_score":0.18938548404436845},{"text":"So it just shows you a rundown of what those sums insured are that we went over before.","start":1293.6,"end":1299.14,"sentiment":"neutral","sentiment_score":0.1454062598447005}],"sentiment":"neutral","sentiment_score":0.16384916031552899,"channel":0,"num_words":31,"start":1287.305,"end":1299.14},{"sentences":[{"text":"Yep.","start":1300.145,"end":1300.645,"sentiment":"neutral","sentiment_score":0.07242834568023682}],"sentiment":"neutral","sentiment_score":0.07242834568023682,"channel":1,"num_words":1,"start":1300.145,"end":1300.645},{"sentences":[{"text":"The only thing I will note is that you don't have a trauma insurance policy.","start":1300.1599,"end":1305.245,"sentiment":"neutral","sentiment_score":-0.09690001557270686},{"text":"Has anyone spoke to you about that previously?","start":1306.185,"end":1308.6051,"sentiment":"neutral","sentiment_score":-0.049368107691407204}],"sentiment":"neutral","sentiment_score":-0.08036717804877655,"channel":0,"num_words":23,"start":1300.1599,"end":1308.6051},{"sentences":[{"text":"I I obviously, I can't recall.","start":1310.04,"end":1312.78,"sentiment":"neutral","sentiment_score":-0.17874886219700178}],"sentiment":"neutral","sentiment_score":-0.17874886219700178,"channel":1,"num_words":6,"start":1310.04,"end":1312.78},{"sentences":[{"text":"That's fine.","start":1313.625,"end":1314.3451,"sentiment":"neutral","sentiment_score":0.1344095766544342},{"text":"That's absolutely fine.","start":1314.3451,"end":1315.83,"sentiment":"positive","sentiment_score":0.4798872967561086},{"text":"I'll give you a quick really quick overview of it just so you're you can make a decision as to whether it's something you wanna look into further.","start":1315.9099,"end":1324.57,"sentiment":"positive","sentiment_score":0.3526424214776073},{"text":"Basically,","start":1325.51,"end":1325.99,"sentiment":"neutral","sentiment_score":0.06298516690731049}],"sentiment":"positive","sentiment_score":0.34251335328992677,"channel":0,"num_words":34,"start":1313.625,"end":1325.99},{"sentences":[{"text":"Mhmm.","start":1325.5851,"end":1326.0851,"sentiment":"neutral","sentiment_score":0.058466240763664246}],"sentiment":"neutral","sentiment_score":0.058466240763664246,"channel":1,"num_words":1,"start":1325.5851,"end":1326.0851},{"sentences":[{"text":"what a trauma policy is is it is a lump sum tax free payment to an individual when they are diagnosed with a specific claimable condition.","start":1325.99,"end":1337.1951,"sentiment":"neutral","sentiment_score":0.08523424657491538},{"text":"So they can range from different types of cancers, heart attack, and stroke, for 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And Mhmm.","start_word":2116,"end_word":2145,"intents":[{"intent":"Explaining insurance coverage","confidence_score":0.0017080934}]},{"text":"Overall, your portfolio in the last twelve months has returned net of fees, 5.64%. It falls a little bit short of the average return for a growth portfolio, which we see generally sit between seven to 9%. There is Mhmm.","start_word":2318,"end_word":2357,"intents":[{"intent":"Discussing portfolio performance","confidence_score":0.14335951},{"intent":"Discussing interest rate","confidence_score":0.00031206175}]},{"text":"So what we're doing for our clients is our investment committee has decided that, although there's nothing wrong with Bennelong at all, but due to underperformance, we're looking at other options for our clients just to look at have a look out there and see if there's anything better that can we can look at replacing it with to help achieve your goals and objectives.","start_word":2489,"end_word":2553,"intents":[{"intent":"Discuss investment options for investors","confidence_score":0.0018857834}]},{"text":"The rest of your portfolio is performing extremely well. You've got quite a few satellite investments in there. You've got some which are more niche type sectors, I guess, we'd call them.","start_word":2840,"end_word":2871,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.26746303}]},{"text":"I'll what I'll do is I'll see if I can put together some information for you and send that through in the same email when we ask for the will with some material for you to have a read about. Yeah.","start_word":3476,"end_word":3516,"intents":[{"intent":"Share information","confidence_score":0.04128051},{"intent":"Provide information","confidence_score":0.00053185114}]},{"text":"How to escalate things if if required. Yep. Yes.","start_word":3629,"end_word":3637,"intents":[{"intent":"Escalate problems","confidence_score":0.0036731283}]},{"text":"Like, we will likely recommend to replace those two those two investment options I spoke about, you know, pending that they're gonna put you in a better outcome, whatever we look at.","start_word":4115,"end_word":4146,"intents":[{"intent":"Follow up on investment options","confidence_score":0.000045909408}]},{"text":"Because I'll reach out and let you know we'll have to have another catch up on the phone, but we can arrange that through Yeah.","start_word":4173,"end_word":4197,"intents":[{"intent":"Arrange meeting","confidence_score":0.43149295}]},{"text":"converse with you via email to arrange that just to present any changes that we would recommend that you do, For sure.","start_word":4200,"end_word":4221,"intents":[{"intent":"Present changes","confidence_score":0.3376001}]},{"text":"I'm flexible and can work around you. Beautiful.","start_word":4305,"end_word":4312,"intents":[{"intent":"Stay flexible","confidence_score":0.014281894}]},{"text":"And, also, that we've discussed the the as like, the the split between the 80 to 20 to your gross to defensive assets, are you happy to keep it at that, or did you wanna look at increasing your exposure to growth assets, or you're comfortable keeping them where they are for the time being? For the time being, I'm I'm more than comfortable keeping them where they're at. Fantastic.","start_word":4343,"end_word":4412,"intents":[{"intent":"Review assets","confidence_score":0.08827637}]},{"text":"Before I before we finish up, I'll just get you to sign those documents once you've had a review of them.","start_word":4428,"end_word":4448,"intents":[{"intent":"Finish document","confidence_score":0.014163645}]},{"text":"And if you've got any questions, by all means, if you before signing them, give me a call, Yep. and I'd Sure. be happy Sure. to talk through them with you. And then lastly, any other questions from yourself? No.","start_word":4449,"end_word":4488,"intents":[{"intent":"Ask questions","confidence_score":0.31273916}]}]},"sentiments":{"segments":[{"text":"Hi, David. How are you? Yeah.","start_word":0,"end_word":5,"sentiment":"neutral","sentiment_score":0.21634557843208313},{"text":"Good. Thanks.","start_word":6,"end_word":7,"sentiment":"positive","sentiment_score":0.5709031820297241},{"text":"I'm not sure what happened there. It just all went quiet and then hung up. Yeah. It went quiet on my end and did the same thing, so I thought I thought I'd just leave it for a little bit. Maybe there was a service issue on my end or your end. I wasn't quite sure. So Look. It wouldn't it wouldn't surprise you if the service issue was on my end. I've been having trouble with my mobile ever since I changed provider. oh, no. Who'd you change to? Oh, yeah. Okay. Optus. I think yep. Okay. Yeah. Boost.","start_word":8,"end_word":107,"sentiment":"neutral","sentiment_score":-0.1462458372116089},{"text":"They're generally pretty good.","start_word":108,"end_word":111,"sentiment":"positive","sentiment_score":0.4407900869846344},{"text":"Hopefully, it sorts itself out for you. Yeah. It's been ongoing for so long. I've given up chasing him up about it, but oh, well. Yeah. That's understandable. I'll try and make this very quick for you because I know that you have the family in the car. So That's okay. I just need to go through and just double check some of the personal information of kin Sure. is your of kin is your wife's your wife with her phone number ending in 110? Yes. That's correct.","start_word":112,"end_word":199,"sentiment":"neutral","sentiment_score":-0.0008496141526848078},{"text":"Beautiful.","start_word":200,"end_word":200,"sentiment":"positive","sentiment_score":0.4778813123703003},{"text":"And it looks like the last time we spoke, you have two children. Is that still the case, or have you had any more? No. We still got the two. Yeah? A little boy, girl, both? One one of each. We've got a four year old, Oh, a girl, and a a a little toddler Saurus Rex about to turn two, and and and that's a boy. bless. What are their names? We've got Moira and Isaac.","start_word":201,"end_word":277,"sentiment":"neutral","sentiment_score":0.05242752656340599},{"text":"Oh, such beautiful names. I love them.","start_word":278,"end_word":284,"sentiment":"positive","sentiment_score":0.634832501411438},{"text":"Absolutely. Oh, with your occupation, Yep. are you still employed with Christian Funeral? What? Yes. I I'm still employed by their parent company, Invocare. Yes. Although I as of tomorrow, I started a new location. Okay. So, yeah, I'm still a funeral director working under Invocare's banner, I suppose. Yep. Okay. It's just a new location. Yeah. Yep. Yep. So would it Chris Christian Funeral still be your employer or InvoCare? We'll put InvoCare. Yep.","start_word":285,"end_word":359,"sentiment":"neutral","sentiment_score":0.02565257325768471},{"text":"Fantastic.","start_word":360,"end_word":360,"sentiment":"positive","sentiment_score":0.5250833034515381},{"text":"And how long have you been with them for? Since oh, I'm sorry. I've got it since September 2023. Is that right? Yes. That's correct.","start_word":361,"end_word":385,"sentiment":"neutral","sentiment_score":0.06672169268131256},{"text":"Beautiful.","start_word":386,"end_word":386,"sentiment":"positive","sentiment_score":0.508438229560852},{"text":"And are you in the new location? Are you still gonna be full time with forty hours a week? Yeah. That's correct.","start_word":387,"end_word":408,"sentiment":"neutral","sentiment_score":0.09736292064189912},{"text":"Fantastic.","start_word":409,"end_word":409,"sentiment":"positive","sentiment_score":0.4874446392059326},{"text":"Moving along, what is your gross income? That's a good question. Just because we've we were probably one of the only states without an EBA, but in Okay. the funeral industry. So we've just been granted one of them. Okay. I I think I think about seventy five, Okay. I think. That's okay. Now with what's included in your EBA? Do you know at the off the top of your No. head? I don't. No? Okay. Is are you are you paid any additional super, or is it just the standard 12%? I think it's just the standard 12%. Yep. Beautiful. Okay. Do you have any idea what your expenditure is per week? So expenses, like, just combined? It doesn't have to be broken down or anything if you're not sure. I would probably say probably looking at about rough guess, probably about 900 Yep. a week. I you know, that's that's including things like rent and bills that are constantly coming out and, Yeah. Of course. you know, Yep. other expenses. So, yeah, probably Yep. probably about 900 to 1,000, Yep. Okay. I guess. Beautiful. And what about savings? Are you having any are you able to do any savings per week or per fortnight? Yeah. We we do. We've got we put about $50 a a week, is it, Yep. of of Yeah. A week or a fortnight. Yep. Just into a savings account? Yeah. Yep.","start_word":410,"end_word":647,"sentiment":"neutral","sentiment_score":0.030342273249783936},{"text":"Beautiful.","start_word":648,"end_word":648,"sentiment":"positive","sentiment_score":0.5709860920906067},{"text":"Alright. Besides the super contribution that your employer do you make any additional to super? No. I don't. No. Great. Moving on to assets and liabilities, we have a car here valued at about $26,000 with a Yes. debt attached of 25. Have those figures changed? Or Well, I'd like to think that the debt's probably come down a bit. But, yeah. yeah, we still got the same car. Yeah. And you don't know do you know off the top of your head what the I'm debt trying to think of that. What is? about repayment, like, every month? Is it 300 is it 400? 481 a month. So times that by 12, and that's what it probably would have come down by. Okay. Alright. So you've only had it for twelve months, like, roughly? We've had we've had the car for two years, but I'm I'm just saying Yes. that Allowing for yeah. interest. Yeah. Okay. Do you have any other assets or debts outside of the car? Just another I had an accident a couple of years ago, which I'm still paying off through another insurance provider because I was silly and didn't have insurance Yeah. myself. Okay. No worries. Do you know how much that is or how how much you've got left owing or how much you're paying? I think from the top of my head, it's about 6,000 left on that. Yep. And do you pay any regular amount? Yeah. A $100 a month. Okay. Beautiful. Alright. And have you sorry to ask this question, but it's one of the ones that we've gotta check. Have you ever been declared bankrupt? No. And are you a tax resident of any country outside of Australia? Nope. Nope. Beautiful. Okeydokely. I can Now I can barely afford to pay tax here, let alone in another country as well? I hear you on that one. It's quite expensive, isn't it? Yeah. I reckon so. Do you have a will or power of attorney in place? I Yep. do have I've set up a will with I think it's called SafeWill or Safeguard or something like that. Okay. It's one one that I set up about eighteen months ago. Yep. I think it's all in place. I've I've tried ticking all their boxes as much as possible, but yes. Okay. And do you have a power of attorney? No. I don't have a power return. No. Okay. Oh, Being within the occupation you are, I'm sure you're aware of what a power of attorney is, so I probably don't need to educate you certainly you on do that. know what a power of attorney is.","start_word":649,"end_word":1094,"sentiment":"neutral","sentiment_score":-0.031602726756979296},{"text":"Fantastic.","start_word":1095,"end_word":1095,"sentiment":"positive","sentiment_score":0.6626763939857483},{"text":"Is it something you're go you're looking at doing or getting in place? Yeah. Certainly certainly, we'll look at doing it. I actually can't remember if I may have even because when I was putting the application for this will, I may have even ticked the box that said that they'll act as my power of attorney, but I can't quite remember. It was Okay. eighteen That's months ago. So yeah. Okay. And did you get a copy of the will, or did was it emailed I I'm sure it was probably emailed to you? to me. Or okay. If after this conversation, if it's okay, I might email you and see if, when you do have some time, if you can download that for me and send us a copy. Because the Sure. reason why is if anything happens to you, if we do have a copy of it on file, we know who your executor is. And even though your wife is listed as your next of kin, without those documents, we can't actually speak to her. So if we've Yeah. got it For on sure. file, it'll make it does make that that difficult period a lot easier. So I'll just make a note to send you an email to Yes. get a Yeah. copy of that for That's fine. Not a problem. file.","start_word":1096,"end_word":1322,"sentiment":"neutral","sentiment_score":0.038749974220991135},{"text":"Perfect.","start_word":1323,"end_word":1323,"sentiment":"positive","sentiment_score":0.5126675963401794},{"text":"I'm just gonna revert back to the goals and objectives you had from your last review Mhmm. and just see if they're still relevant or if there's any more that you wish to add in. So one was that within the next five years, you wanna purchase a house and you want advice on how the first homeowner super saver scheme and the first homeowner grant works. Is that still a priority for you right now? It's it's still a priority. I wouldn't say it's on the top of my priority list at the moment. But, yes, it's certainly still something that we want to look into. Mhmm. Is it and then it's still a five year time frame, or has that reduced? I would I'd probably say, yeah, in a in a five year time frame. Okay.","start_word":1324,"end_word":1461,"sentiment":"neutral","sentiment_score":0.11063850671052931},{"text":"Okay. Fantastic. I will leave that one there. You have said that in your retirement, you want your debts paid off, and you won't be able to live comfortably and have enough money in your super to not have to work later in life so you can spend your time in retirement, enjoying your family.","start_word":1462,"end_word":1516,"sentiment":"positive","sentiment_score":0.4351717233657837},{"text":"You have Yeah. retirement age at 67 needing $1,000 per week. Do you still think that is what you're aiming for? I'd I'd probably need to increase that with the way that the Yep. financial world's Do you think looking. 67 What is still appropriate, I or would want you like it less? and what I can have are two different things, Jenna. What I'd like is to retire earlier, but Yes. and, you know, let's let's face it. We we live in a realistic world. I would probably Yep. have to say, you know, 70 Yep. Okay. would probably be the the the age of I'd probably have to look at retiring nowadays. Yep. But your ideal one would be 67 or earlier if possible? Oh, yeah. Yep. Okay.","start_word":1517,"end_word":1646,"sentiment":"neutral","sentiment_score":-0.047389917075634},{"text":"Fantastic.","start_word":1647,"end_word":1647,"sentiment":"positive","sentiment_score":0.4737423956394195},{"text":"And if you were to increase it to a thousand dollars a week I mean, increase it from a thousand dollars a week, Is that what would you increase that to? And is that to cover a retirement income for you and your wife or just for yourself with I mean, would she have superannuation to access as well so you can combine it together for an income stream, or is this just based on a combined income? So at at the moment, what my wife's not working as she doesn't have any super, Yep. but it is one of our, again, this is one of our our short short term goals. And what I mean when I said, you know, looking at a house supply is not on the top of my priority list. So, Yeah. obviously, getting that additional income is on on the top of my priority listing there. So Mhmm. I would say that I'd, you know, I'd still like to I'd like to think of a thousand dollars as being enough for us to, you know, sort of get by a week to week basis, but I'd probably look at increasing it to about 1,500. Mhmm. Yep.","start_word":1648,"end_word":1849,"sentiment":"neutral","sentiment_score":0.022550185174118765},{"text":"Perfect. Alright. Beautiful.","start_word":1850,"end_word":1852,"sentiment":"positive","sentiment_score":0.712391197681427},{"text":"And then the other goal we had was that you wanted to get advice on an appropriate level of income for your life, typically, and income protection. You didn't wanna pay a large amount in premiums, and you're happy with your insurance. So there Yep. was no changes recommended from your insurance. Yep. So I'll work through those amounts with you in a moment to make sure that you're still comfortable with them. But Sure. outside of those, is there any new goals and objectives that you really wanna look at addressing in the meantime? No. Not nothing had that in in the meantime. No? Just those two main ones, I suppose. Yeah. Of course. Okay.","start_word":1853,"end_word":1968,"sentiment":"neutral","sentiment_score":0.1277587115764618},{"text":"Fantastic.","start_word":1969,"end_word":1969,"sentiment":"positive","sentiment_score":0.54315185546875},{"text":"What I have Mhmm. when you have a chance, when you are not driving, you will see an email in your inbox, and it will be from Odoo sign. And that this is just your review pack. So what you'll need do Yep. is I'm gonna run through it verbally with you on the phone now, but you'll need to open it. And it's a sign it's an electronic signature document, but it won't allow you to sign anything until you get to the very end. Yeah. So No. That's there's gonna be some documents which will run over your balance. So it'll give you a brief overview view of your balance in hub twenty four not. and Mhmm. then your insurances. So in hub at the moment, you've as of the August 27, the balance is sitting at $85,630. And No your worries. insurance yeah. And your insurance policy policies are with ClearView, and your life insurance is sitting at $596,166 with the same level of cover for your total and permanent disablement. And Mhmm. we have your income protection at $5,239 per month with a thirty day waiting period and a five year benefit period. So what that Sure. means is if you are unable to work due to injury or illness, if you think of the waiting period similar to an excess, you've gotta wait for thirty days with no income, and then you'll start getting paid post that. And it's generally the thirty days after that. You'll they'll pay it monthly to you. Mhmm. Yeah. Fair enough. That yeah. So that premium is 2,200 and Mhmm. $31, and that's funded from hub twenty four, your superannuation balance at the present Yeah. moment. Yep. The next document you'll come across is the performance of your super fund at the moment. You're currently a growth you're invested as a growth investor, which means we have 80% of your investments allocated to growth. The growth sector, which is international Australian shares and property, and then 20% allocated to defensive assets such as fixed interest and cash. Sure. Overall, your portfolio in the last twelve months has returned net of fees, 5.64%. It falls a little bit short of the average return for a growth portfolio, which we see generally sit between seven to 9%. There is Mhmm. a reason for it, and you'll see when you have a look at these documents. One of the funds, it's the one at the very top, is called the Bennelong Australian Equities Fund, and it has experienced a significant loss or negative return, let's call it, of about 17% for the last twelve months. Now to put that in context, it's not that the Australian share market has performed badly. It's that Benelong's approach to well, their mandate to investment in that fund is to identify companies in Australia that are undervalued and that have Mhmm. the ability for significant growth.","start_word":1970,"end_word":2458,"sentiment":"neutral","sentiment_score":-0.051777030686049864},{"text":"Unfortunately, it hasn't been prosperous for them in the last twelve months twelve plus months.","start_word":2459,"end_word":2473,"sentiment":"negative","sentiment_score":-0.4686150550842285},{"text":"And instead, the market has really favored the banks and the the top big companies. So what we're doing for our clients is our investment committee has decided that, although there's nothing wrong with Bennelong at all, but due to underperformance, we're looking at other options for our clients just to look at have a look out there and see if there's anything better that can we can look at replacing it with to help achieve your goals and objectives. So we For we're sure. obviously gonna experience losses. The market goes up and down. But when it becomes a long term experience, we look at ways that we can Yeah. replace that. So if you're happy for me to investigate that a little bit, that's gonna be one of my jobs post hour of you just to look at what other options are there to replace that Yeah. then Pretty along fund for you. sure. Yep. No. That's fine.","start_word":2474,"end_word":2633,"sentiment":"neutral","sentiment_score":-0.04596657678484917},{"text":"I'm I'm happy for you to go go ahead and do Beautiful.","start_word":2634,"end_word":2645,"sentiment":"positive","sentiment_score":0.5297617316246033},{"text":"that. I mean, you obviously know a lot more about these processes than than I could ever pretend to. So Well, that's what we're here for, to help guide you and give you the advice to make sure that yeah. it's not obviously, performance is important, but it's also about making informed decisions, and that's what we're here to help with, just helping you make those informed decisions. Sure. The other investment option that I would like to personally look at is the bank hybrids. Now the Australian banking system will be those out as an investment option from January 2027.","start_word":2646,"end_word":2746,"sentiment":"neutral","sentiment_score":0.2189532071352005},{"text":"It's not operating at a loss or anything of that nature.","start_word":2747,"end_word":2757,"sentiment":"negative","sentiment_score":-0.3462487757205963},{"text":"However, at some point in time, they are going to be phased out and replaced with something else. Mhmm. I would Sure. like to conduct a little bit of research to see if now is a good time to potentially replace that or whether we hold for a little bit. So with your permission, I'd like to have a look at that one as well if you're comfortable with Mhmm. Yep. No. That's fine.","start_word":2758,"end_word":2831,"sentiment":"neutral","sentiment_score":-0.03579500690102577},{"text":"I trust you. that. Beautiful. Thank you. Alright. The rest of your portfolio is performing extremely well.","start_word":2832,"end_word":2848,"sentiment":"positive","sentiment_score":0.5164533853530884},{"text":"You've got quite a few satellite investments in there. You've got some which are more niche type sectors, I guess, we'd call them. So you've got Mhmm. global cyber in there. You've got some exposure to that, some battery tech and lithium. So your electric cars, which, you know, have had a great bump in the last little bit. You've got They certainly some gold have. yeah. And you've got some gold exposure along with some property exposure. Now at the moment, the property return is down a little bit. It's changed from last week, and that's just market fluctuation, which we would expect in the growth sectors. So there's no that's nothing that I'm concerned about. That's just, for me, the ups and downs of the market. Yeah. So outside of those other two, quite happy with your portfolio, and I would I'll just go to work and get reviewing on those two that we mentioned. Yep.","start_word":2849,"end_word":3006,"sentiment":"neutral","sentiment_score":0.025842180475592613},{"text":"The next That's that's really appreciated. thank you.","start_word":3007,"end_word":3014,"sentiment":"positive","sentiment_score":0.3758406341075897},{"text":"Yep.","start_word":3015,"end_word":3015,"sentiment":"neutral","sentiment_score":0.24243836104869845},{"text":"Perfect.","start_word":3016,"end_word":3016,"sentiment":"positive","sentiment_score":0.423896461725235},{"text":"So the next document in the packet is just a it's called the 2026 Vanguard index chart. It just show it's just a bit of an illustrative chart for our that we share with our clients to just show how the markets react. So the top four assets in the down the right hand column are your gross assets, and the bottom Mhmm. two are your defensive assets. So it just gives you a bit of a as an idea that 80% of your assets or your funds are in the top four. So you can see the volatility that it can experience over time that held for the long term.","start_word":3017,"end_word":3127,"sentiment":"neutral","sentiment_score":0.1410470912316898},{"text":"It usually turns out to be a better outcome.","start_word":3128,"end_word":3136,"sentiment":"positive","sentiment_score":0.4343140423297882},{"text":"So Yeah. the next document is a certificate certificate of currency for your insurance policy. So it just shows you a rundown of what those sums insured are that we went over before. Yep. The only thing I will note is that you don't have a trauma insurance policy. Has anyone spoke to you about that previously? I I obviously, I can't recall. That's fine.","start_word":3137,"end_word":3201,"sentiment":"neutral","sentiment_score":0.03898504003882408},{"text":"That's absolutely fine. I'll give you a quick really quick overview of it just so you're you can make a decision as to whether it's something you wanna look into further.","start_word":3202,"end_word":3232,"sentiment":"positive","sentiment_score":0.37215498089790344},{"text":"Basically, Mhmm. what a trauma policy is is it is a lump sum tax free payment to an individual when they are diagnosed with a specific claimable condition. So they can range from different types of cancers, heart attack, and stroke, for example. And there are different gradings as to when you meet the claim approval process. And it covers it's designed to cover items such as out of pocket medical expenses, a recovery period before you return to work because, typically, what we find is that someone that claims on a trauma policy may not it may not necessarily be terminal. They just need some time to recover, and their income protection may not cover what they actually need Yeah. For sure. to. So the as trauma is tax free, it is paid out of personal cash flow. So that's the other consideration to take. Well, the other matter to consider is that it will come out it will need to be funded by personal cash flow, but it's also a pretty important policy to Yeah. have. So is that something you wanna look at now or later on down the track? I think I'll I'll I'll I'll I'll need to do a bit more thinking about that one. Yep. That's I mean, it is it it makes complete sense, okay. you know, Yeah. Yep. I'll either put of people I'll see if I can sorry. no. You're alright. You're I alright. I'll what I'll do is I'll see if I can put together some information for you and send that through in the same email when we ask for the will with some material for you to have a read about.","start_word":3233,"end_word":3515,"sentiment":"neutral","sentiment_score":0.04663019874807803},{"text":"Yeah. That would that would be very helpful. Beautiful.","start_word":3516,"end_word":3524,"sentiment":"positive","sentiment_score":0.5844385623931885},{"text":"The next document in the pack is our financial services guide. It is a regulatory document that we're required to share with all of our clients. It will just tell you who we are, who we're licensed by, and that we're licensed through. It will give you a little bit of information on the services we provide and how we do provide advice, fees and Yep. charges, and also important for clients is the complaints handling process. So if you are unhappy, how you go about sharing that and then other other ways if it's not met to your expectation. How how to yeah. How to escalate things if if required. Yep. Yes. Yep. Took the words right out of my mouth Yeah. that I were was unable to verbalize. Thank you.","start_word":3525,"end_word":3656,"sentiment":"neutral","sentiment_score":-0.012733589857816696},{"text":"Unfortunately, in my industry, it is something that we do have to deal with quite a bit.","start_word":3657,"end_word":3673,"sentiment":"negative","sentiment_score":-0.47481805086135864},{"text":"I can imagine. I can imagine. Yeah. And the final two documents in the pack are the ones that require signing. So one of them will be provide your tax file number. The reason Mhmm. why we have that on file, it's already prefilled for you. It's because we don't it's the only place we hold it, and the reason we do is to provide to hub twenty four. So and the insurance companies to ensure that you're not taxed at a higher well, your superannuation isn't taxed at a higher rate being that, Sure. you know, how it works if you don't provide your tax cell number. So if you can sign that one through the electronic signature system, that would be great. And the last one is your ongoing your consent to the new ongoing fee arrangement. So Sure. all that so you'll notice it's the the bottom the the box in the bottom of the page, on the first page of that document has the amount. It's $1,412.90 per annum. Now that is then divided by 12 and deducted from your hub twenty four account on a monthly basis, and that is a fixed fee. So it's not gonna vary based on the market, for example. So Yep.","start_word":3674,"end_word":3884,"sentiment":"neutral","sentiment_score":0.04730110814997935},{"text":"if, for for example, you had a fantastic year, it's gonna be 1.65% of your fantastic year.","start_word":3885,"end_word":3901,"sentiment":"positive","sentiment_score":0.5927414894104004},{"text":"That's it's a fixed flat fee. So that will be reviewed every year as you come up for your annual review. But what that translates to is a $117.74 per month from your super fund. And what that allows you to do is phone off at any time, ask questions. If you've come across a new area or advice that you need, we're here. You're not just set to the the one annual review per year. It's entirely up to you as to how often and how much you you'd like to engage us or any advice you No. Fair enough. need. Alright. Do you have any other questions? How do I get my hands on a winning glider ticket? Because I suppose that would also help my retirement Can you can you also get one on your hands on one for me too, please? funds. Not a problem. I'll see what I can do. No. That's that's fine.","start_word":3902,"end_word":4060,"sentiment":"neutral","sentiment_score":0.14410214126110077},{"text":"You you've explained that really well, Jenna.","start_word":4061,"end_word":4067,"sentiment":"positive","sentiment_score":0.38069719076156616},{"text":"You know? So I'm I'm fully understanding of of what's expected, what I need to do, and and what you'll be doing in in the valuable time that you've got. Yep.","start_word":4068,"end_word":4098,"sentiment":"neutral","sentiment_score":0.2460376173257828},{"text":"Perfect.","start_word":4099,"end_word":4099,"sentiment":"positive","sentiment_score":0.4325831532478333},{"text":"Well, I will I've got I've got a few action items on my end. Yeah. Like, we will likely recommend to replace those two those two investment options I spoke about, you know, pending that they're gonna put you in a better outcome, whatever we look at. So what will happen from here is, I guess, the best way to contact you is that email or phone? I would say email. Email. Yep. Because I'll reach out and let you know we'll have to have another catch up on the phone, but we can arrange that through Yeah. I'll Yep. converse with you via email to arrange that just to present any changes that we would recommend that you do, For sure. and we can go from there if you're happy with that. Yeah. No. That's fine. That's fine. I'm Yep. not sure if it was you I spoke to the other day, but, you know, the unfortunate thing with my industry is, you know, I can book a I can book a time with you because at the time, I've got it free, but, Yeah. Yeah. I you do know, recall you saying it changes. that. Yes. Yeah. Yep. That's no. That's absolutely fine. I'm flexible and can work around you.","start_word":4100,"end_word":4311,"sentiment":"neutral","sentiment_score":0.0674085815278989},{"text":"Beautiful.","start_word":4312,"end_word":4312,"sentiment":"positive","sentiment_score":0.33992600440979004},{"text":"Two last questions I have. Are you Yep. happy to keep your review frequency at an annual basis, or would you like it more frequent? No. Annual is great. Beautiful. And, also, that we've discussed the the as like, the the split between the 80 to 20 to your gross to defensive assets, are you happy to keep it at that, or did you wanna look at increasing your exposure to growth assets, or you're comfortable keeping them where they are for the time being? For the time being, I'm I'm more than comfortable keeping them where they're at.","start_word":4313,"end_word":4411,"sentiment":"neutral","sentiment_score":0.10808884352445602},{"text":"Fantastic. Alright.","start_word":4412,"end_word":4413,"sentiment":"positive","sentiment_score":0.40608978271484375},{"text":"I am going to get to work on what I need to do. Sure. Before I before we finish up, I'll just get you to sign those documents once you've had a review of them. And if you've got any questions, by all means, if you before signing them, give me a call, Yep. and I'd Sure. be happy Sure. to talk through them with you. And then lastly, any other questions from yourself? No. That's fine for now.","start_word":4414,"end_word":4492,"sentiment":"neutral","sentiment_score":0.14259211719036102},{"text":"Fantastic.","start_word":4493,"end_word":4493,"sentiment":"positive","sentiment_score":0.3724585771560669},{"text":"Well, thank you so much, David, for your time, and my apologies to your family and your Oh, your no. wife No. and That's your okay. children. No. That's And alright. We it you're it has sorry? to be done. So I I thought I'll I'll book it for today because I've I've booked time off work, Yeah. you know, just to relax. And and I thought, well, what about there won't be a better time to take care of this than than when I can guarantee a bit of free time.","start_word":4494,"end_word":4585,"sentiment":"neutral","sentiment_score":0.05054993959872619},{"text":"Oh, well, thank you for making the time. We appreciate it, and I'll be in contact soon. Brilliant. Alright. Well, thank you so much for your help, Jenna. Thank you. Enjoy your afternoon. You too.","start_word":4586,"end_word":4620,"sentiment":"positive","sentiment_score":0.6902301907539368},{"text":"Bye now. Bye.","start_word":4621,"end_word":4623,"sentiment":"neutral","sentiment_score":0.2563726603984833}],"average":{"sentiment":"neutral","sentiment_score":0.05005244017758329}}}}