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Is that still a good time for you? Fantastic. Brooke, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And do you happen to have access to your emails there at the moment as well? Or oh, fantastic. Excellent. I'm just gonna send through an email to you just with a copy of all your annual review documents there. If you wanted to open them up, we'll go through and have a bit of a chat about how your sleep has been going, have a look at any new goals that you do have, and look at any whether any new advice needs to be provided there for you as well. Okay? Just wanted to confirm your email address hasn't changed there at all. So I've got, sorry, brooked. Oh, my computer's all this slow. Sorry. Can you just repeat your email address to me? Yes. It is. Yes. Sorry. My computer was freezing a little bit there. It was shaking. I thought I can just sort of see it. Sorry about that. Love technology when it wants to work there for us. There we go. I've just sent that there through to you now, so it should come through. Perfect. Now just while we are sort of receiving that email there, I do need to do a quick security check there for you as well. And this sorry. It's on its way to you now. Just just gonna do a quick security check. Can you confirm your full name, your date of birth, and address I should have on file? Perfect. Beautiful. Fantastic. And we do record our calls moving forward for quality and training purposes. You're happy for me to proceed with that moving through the call? Oh, fantastic. Lastly, when we sort of caught up there for your annual review, everything was going really well. The business was growing nicely as well. You just opened up another cake shop there as well. You just opened up it was it changed into a cake shop. Is that right? Yeah. Yeah. And how's that been going for you? Fantastic. Fantastic. Now just let me know when that email comes through. As we are kinda going through the review, is there anything specific you want a bit of touch on or any specific questions you might have there for me today as well? Yep. That's okay. That's okay. Yeah. You're right. Normally, did you wanna have a look at those first? Were you happy for me just to sort of run you through what the documents are? I don't ever want you to sign anything you haven't read or that you're not comfortable with. You're fine. Yes. Perfect. All good. So So I'll start by just giving you a bit of an update on your super there because it's probably the main thing that you're sort of looking for. So having a bit of a look when we did your annual review last year, your balance then was a bit $68,005.55 and 37¢ there. Looking at things now, we are up to 69,549 and 14¢. So it is definitely an increase on your balance, albeit a much smaller one. It is really important to sort of note that markets have been a bit volatile this year. So, obviously, returns can be a little bit lower with the expected ups and downs that we have seen with the market reactions. Generally, based on what's been going on between The US and Iran there, it's definitely had a bit of an on flow effect with us. And I'm just pulling up your super fund just to sort of double check the investments there as well to sort of see. But, look, in all honesty, it still is an increase. We wanna see it going up, albeit a much smaller increase, so it is really good to see an increase on where we were last year. Having a look at the actual return there we go. Beautiful. Just waiting for it to load there for me. Beautiful. So with the actual return there, you have seen essentially a positive return for the year, albeit a much smaller one. It is an 8% return because your balance is a little bit lower there, sort of around that sort of $6,070,000 dollar mark. It is an 8% return. It is a good return. It is showing essentially a positive income and growth within that last twelve months of about $5,000 there. But then you've obviously got your insurance premiums coming out as well, and they are quite high. So having a bit of look at the insurance side of things, at the moment based on your current, insurances, you do have your life and TBD with a current sum insured of a bit over a million dollars. So you're currently covered for a million and 12 and then $16 there at the end. And then you've also got your income protection policy there as well. Now your insurance premium, so your growth within the last twelve months as a dollar figure has shown as of an 8% return, but it was the dollar figure is 8,882 and 98¢ there. So when I have a look at your insurance premiums for this year, your insurance premiums you actually paid 6 thousand $349.75 there. So it is good. You did see a bit of growth there. The balance is a little bit lower than where we would expect based on that growth, but it is purely because your insurance premiums are a bit higher as well. So your insurance premiums essentially ate away all that growth that we saw within that twelve months. So that is essentially where this may where this dip in your super has come from and why the growth looks so low and why the balance is not a huge difference from where we would expect on last year's balance. Does that make sense? Yeah. Yeah. Yeah. Absolutely. Absolutely. Well, let's have a bit of a look at what it is that you're actually wanting to achieve with your insurances there and to sort of see whether it is worth looking to reduce those at all. Now having a look at your income there last year. I can see your income was based on around about 90,000 per annum. Is that still fairly accurate for your income, or would you say that's gone up or down a little bit in the last year? Mhmm. Right. Okay. Right. Right. It does. Yeah. You're right. You're right. Yes. Okay. Yes. No. That's understandable. Perfect. So if I have a bit of a look now with income protection, you can be currently covered for up to 70% of that income based on a monthly benefit amount, and the monthly benefit is gross. So if you are in an income protection's claim, the same as with your income, you do pay income tax on that amount. So just sort of having a look, if we base it on 85,000, does that sound okay? Yeah. Beautiful. So 85,000, and then we divide that, sorry, into a monthly amount. It essentially shows that you can be covered for up to $4,958.33 on a monthly basis based on the 70%. If I could have a look at this now, so your current sum insured is 5,400 oh, sorry. I'm actually looking at the wrong document. There we go. We're up to 5,562 as a monthly benefit there. So I'll just work out quickly what that is based on your income Five five six two. About twelve months. We had you in at, say, 90,000 last year. Yes. So it looks like based on 90,000 of income, the monthly benefit that you are covered for with income protection there is about 74.16% of your income based on 90,000. Did you feel like keeping your income protection at that higher rate because you are self employed and your income can go up and down and fluctuate might be more important to you? Or what's your thought? Difficult one, I know, because you kinda try to cover income that you may earn in the future, but also factoring in if or anything does, you know, if something was to occur in the future at the same time. That's okay. Yeah. So there's a couple of things that we can definitely do. I can look at maybe just getting some quotes and seeing what would be preferred for yourself if you like, but, you do have an age 65 benefit period as well. So we can look to maybe look to make the premiums a bit cheaper by reducing the benefit period from, say, age 65 down to maybe a five year benefit period. That does have the risk that if in the event you are on an income protection claim, you can be on a claim for up to five years. If something was to you know, at that five year mark, if you still weren't able to go back to work, that claim stops that point. Whereas with your current benefit period at age 65, you can be on a claim up to age 65 or can be on income protection for that long. But reducing the benefit period can make the premiums more cheaper for you. I can also look at adjusting the income protection monthly benefit for you. So we can look at maybe 70% of 90,000 and seventy percent of 85,000 for you, and you could sort of weigh up the difference in the cost to see what's more comfortable for yourself to reduce the the cover to. Does that sound okay? Yeah. I'll look at all those options for you. I'll get some quotes. Are you did you want me to email them through or give you a call once I've got the quotes here and we can talk them through? What would you prefer? Yeah. Absolutely. Yeah. No. Not a problem at all. Excellent. And then we've also got here that you do have your life and TBD. So as I mentioned, this is just over a million dollars there at the moment. So it's 1,012,016. Essentially, with that, you do have level premiums. So, essentially, that means that the premiums are cheaper to begin with earlier on. Well, sorry. They're more they're normally they're more expensive to start earlier on, and they get cheaper as you get older. Having a look at your income your life and TBD, sorry, if you were to say pass away, what is it that you're wanting to cover? What is your main goal with having the life cover paid out to start with? What did you wanna cover if you were to pass away prematurely? Right. Okay. Right. No. Tough. Yeah. Yeah. Yep. Yep. Okay. Yep. So we could look at reducing your life cover down to 7 100 and 50,000. Yep. Beautiful. And with the TPD, the total permanent disability cover, this is, you know, if you were to be you would still be alive, but, essentially, it's totally impaired. So totally permanently disabled. You can receive the benefit as a lump sum or an income stream depending on what you prefer. But TPD, normally, know, a lot of people wanna pay off their mortgage, maybe provide a little bit of extra income and things like that. If you were to be PPD'd and claiming on that level of benefit, do you think you'd be comfortable with the $7.50 with life, or do you have a certain amount that you're comfortable with? Or do is it just something you wanted to cover yourself for or have paid out? What do you feel like with CBD? What's your main goal there? What do you wanna have covered? Yeah. Yep. That's okay. It's tough, isn't it? It's not easy to think about. Like, if something if some it means the biggest thing with insurances is you pay the premiums and literally nothing happens. You don't end up claiming on any of those. But it's always good to have some level of cover to protect yourself in the event. If you were to say because your mortgage at the moment, we had it noted last year at about 464,000. What is your mortgage now? Yeah. So did that. Okay. Beautiful. Fantastic. 4 62? I know. Wishful thinking. That's okay. That's not a problem at all. So about $4.62. So if you were to say cut yourself for, say, 750,000 of TBD as you sort of are thinking about the life, the 750,000, that then essentially $4.62. That leaves you about 288,000 there that you plus your super balance because your super is also can be paid out if you are unable to work at any point. Did you think maybe covering yourself for about the same amount would be preferable? Yeah. No. Yeah. That's okay. Yeah. No. That's okay. Perfect. Now what I'm actually doing as well because it just double check. Your insurances are with Neos. So I've just got the codes out to go in there and look at trying to do some live quoting for you. So I'm just gonna bring up your file in the portal and just go in and alter the, quoting just to alter the policy just to sort of get some quotes for you so we can maybe see if this works. Sometimes the portal works and sometimes it doesn't. So I will see if it does. But if I can give you the quote now, it might just make it a little bit easier for you. Beautiful. Okay. So we'll look at with life and TBD reducing the sum insured to 750 for both of them. And the first quote I'll look at for you was the income protection. When you first applied, I can tell you exactly what we applied for. Just in this other section here. That was in 2020 that we were putting these into place. You've had them for quite some time. Originally, the recommendation there was sorry. I'm just pulling up the advice document originally just to have a look at what was recommended for you. You were recommended 773,000 of life and TBD. So, essentially, with the increases there and what normally happens with your insurance policy is that it does go through renewal periods every year. And as it goes through all those renewal periods, it does increase along with CPI. So the amount that you're covered for increases, but so does the cost of the premium, unfortunately. And that essentially has just increased continuously along with in inflation over the past couple of years. So you end up with bit over a million. So it has increased really nicely. The idea of doing that is that, you know, we all know a $100 this year isn't worth a $100 next year. Inflation eight ways, you know, borrowing buying out of our dollars. So the idea there is that you wanna keep if you had 700,000, you wanna keep that growing with inflation. So it actually covers what you wanted to, so that's why we just tend to increase those. But it does unfortunately mean that your policy the cost of your policy increases along with that, which can be can be a bit much and can does get very expensive over time as you get older as well. So now for the first quote there, if you like, I'll look at keeping your income protection with the same monthly benefit and just look at reducing the benefit period for you just to give you an idea of what this looks like. Let's see how much it actually decreases by. Here we go. 30. We'll do it as a five year benefit period, and I won't change anything else there. So looking at that, now your current premium, the amount I gave you before the 6,000, that's exactly how that's how much came out out of your super. The insurer actually received over 7,000 for the premium. But just making these changes, so reducing your life and TBD down to 750,000 and then reducing your income protection benefit period. So keeping the amount you're insured for the same, keeping the waiting period of thirty days, and just reducing your benefit period from 65 age sixty five to five years, it reduces the insurance premium to 4,940 and 67¢. So it does save a couple of thousand on the insurance premium there. So a little over 4,900 just to kind of even it out for you. And then if we were to also reduce the sum insured on your policy and say we brought it back to 70%, did you want me just to look at 70% of 90,000 first so it's kind of a a lesser decrease to start with? Yep. Beautiful. By '12. That brings us back to $5.02 $5.00 as a monthly benefit. So reducing your monthly benefit brings the the policy premium back to 4,783. So, again, it's a bit more of a reduction, another $200 there. That's with a five year benefit period. Yeah. If you kept it $8.65 and just reduced the sum insured, the monthly benefit back to 70% of your 90,000, it still ends up a bit over 6 thousand dollars for the premium. So it is still quite high. It's that that benefit period that's really sort of keeping the the premiums higher there. Yeah. If we then lose both of, say, 70% of 85,000, that gives us a monthly benefit of four so $4.09 $5.08 and 33¢. So $4.09 $5.08 is what they'll do. We keep a five year benefit period for you and reduce your life and take it to 750,000. The premium is around about $4,637 before the discount is applied. So you you get a 15% discount inside super, so you end up paying a little bit less outside of the super side of things. But that essentially, based on your current premium, is saving. Let's have a look here. So we're at 0163722. It's saving you about $2,833 for the first year. It's important that I do note if you do decide to reduce your life, your TBD, and the income protection, reducing is no problem. It's very easy to do. But it does mean if something happens and you wanna increase that policy then, you do have to go back to your new application. And if there are changes to your health, it could mean the policy gets more expensive. There could be loadings or exclusions applied. Exclusions are essentially any preexisting condition they won't cover you for, so they exclude anything preexisting on the policy, and loadings tend to make the policy more expensive. So, like, for a type one diabetic, most poly most life policies have life of 50 or a 100% loading on them these days, and it just makes the policy 50 or a 100% more expensive for them. So it's just more about making sure you're aware of those sort of things. But did you wanna look at reducing that, or did you want me to send the quotes through to you? What is your thoughts, and do you have more questions for me? No. It's only five. So they do two years, five years, or age 65 for income protection, unfortunately. Yeah. Yeah. Absolutely. I'll generate all of those after the call for you and email them through, and you're welcome to have a bit of a look. Let me know if you do have additional questions. I know it's a difficult thing to sort of to decide on the spot. Don't wait. You feel like you have to make the call right now. But have a think about what you'd like to do, but that is probably one of the biggest things is as you do get older, your insurance premiums do become more expensive, which is can be a bit of a problem. And it does tend to have an effect on your super because you are paying those premiums out of your out of your super fund. It does affect your returns and the long term growth of your super as well. So it's about having a level You're right. Sorry. Yeah. I know. Just That's right. So with the income protection policy, you have a waiting period, which is thirty days. So it just means that you have to be off work for thirty days prior to making a claim. That benefit period does not kick in until you actually make a claim. So it's not saying that you have income protection for the next five years and then you can't claim on it. It's about if you're on a claim, you can be on a claim for up to five years. After the five years have been on claim, the claim stops. But the claim doesn't start until you meet that waiting period. So if you have this policy for the next ten years or fifteen years and then you make a claim, it's all still completely valid. Yeah. Does that make sense? Yeah. Beautiful. Fantastic. Well, I'll generate those couple of quotes and email them through to you after the call, Brooke. If you have questions, you're welcome to let me know. If you can decide what you wanna do, I can update the advice. I've also just been having a bit of look prior to the call at your investments as well, and I have noted that one of them has been slightly underperforming. So I would like to maybe remove that from your portfolio as well. You did have originally, the Ben along Australian Equities investment within your portfolio there, which isn't a bad investment in any way. It was originally placed in your portfolio to be an actively managed fund. So the investment manager of that fund is trying to buy and sell, you know sorry, pick investments to make sure they're performing well, outperform against the market or the index that they're trying to track against. And they're trying to make money, by doing, yeah, more active management style in that fund. They haven't unfortunately been able to do that. I've been along have been a bit up and down over the past few years. They've had some really good returns and some not so good years. Unfortunately, in the last couple of months, some of the underlying investments within their portfolio have been underperforming, which has caused them to underperform. They haven't been able to get out of them and have had some of their underlying investments have had some legal issues as well. So I would like to look at moving you out of that investment. I feel like it's had enough time to try and build the returns, and it's not longer doing that. So it's time to give it a flick and find something a little bit better for you. Are you comfortable with me looking at something like that for you? Yeah. Beautiful. Now because looking at your age and stage, now you are quite young. You've got a lot of time ahead of you before real estate you can access super. You can't access super under the current legislation until the age of 60 there. Do you feel like you would want me to put something in its place that is more in that active management style, or would you like to look at something a bit cheaper as an investment that might save you on fees, but that might be a bit more diversified and might give you a bit more of a passively managed exposure. Do you know which way you'd like me to look, or did you have more questions about that? Yeah. Yeah. Definitely. Did you want me to look at things yeah. Did you want me to look at something passive for the moment, and then we just reevaluate it next time you review? Do you was that yeah. It's up to you. So if you look at more of a passively managed investment, essentially, that's in more buying into a certain index fund. It can provide greater diversification. A passively managed fund is where the investment manager is just tracking the index. So as an example, you have the S and P 500 in your investment portfolio, and that's a passively managed fund because the investment manager is just tracking the S and P 500. Whenever there's changes within the S and P 500 index, there's changes within the S and P 500 investment that you're in as well. They're not trying to outperform against the market. They're just participating in the market. More often than not, you can actually get greater returns by doing that because the investment manager is not trying to pick the top and the bottom. They're not trying to value companies and buy in at certain times. Therefore, they are actually taking a little bit less risk in the market. They're staying invested throughout the downtime. They just keep pulling money in whenever they need to, and they're not trying to pick the top and the bottom of the market. Active managers are. They're trying to pick the top and the bottoms. They don't always do that. No active manager has ever had a track record of doing it perfectly every time. They're valuing companies and trying to find when they're undervalued and buying at the right time, and they can take a bit more risk for doing that. With a investment manager that is more actively managed, you pay a bit more in fees, so the management fee can be a little bit higher. Whereas having more of a passively managed fund, you actually are saving it. They're not doing as much trading. They're not trying to outperform, and they're not doing they're still working as hard, but they're not doing as much buying and selling. They're just, you know, not trying to outperform against the market and beat the market and try to get greater returns. So it can actually be a little bit more cost effective and cheaper for you as well. Does that make sense? Yeah. Do the second one or the first one? The first one? Yeah. That's okay. One of the things I am looking at as well as with Bannalong, you have that investment manager holds generally between 15 to 20 different investors depending on what they're holding. With some of the passively managed funds, you can have the investments. The underlying investments can be a lot greater, like 200 odd. And having more investments in a fund helps to diversify your portfolio, which can help to lower the risk side of things. So if you looked at something a bit more passive, like saving fees, help to cover your insurance premiums, provide a bit more growth there if you're comfortable to, and also help to lower the risk of your portfolio by providing greater diversification. Does that make sense? Yeah. Did you want me to look at that for you? Yeah. That's okay. I have a a couple of really good options that I've been able to use to put in place there, but we don't want anything more underperforming for you. So we'll look at moving that out, and update the advice for you. I'll also send through those quotes after the call so you can let me know what you're comfortable with when it comes to the insurance side of things, and I can do one advice piece for you. Looking at reducing insurances, looking at replacing the investment for you, put all of that together over the next sort of five years, and show you how that, what kind of an effect that has. Does that sound alright? Fantastic. Excellent. Now, Bruce, the other thing is you also do you also do do your non concessional contributions and claim your notice of intent at the end of the year. I believe I have a note here that you were emailed the notice of intent. I just wanna make sure that that is all good for you to sign and have applied. You. No. That's okay. Net loss has been a little bit slow. It's not actually opening the portal for me at the moment. But you make those regular contributions on a weekly basis at the moment still, don't you? Yes. Mhmm. That is the best way because your insurance premiums got to come out partway through the financial year. So to get the best of that benefit claiming the NOI before your insurance premiums come out, and then another one doing a an adjustment at the end of the financial year does allow you to claim a much greater portion. Absolutely. Yeah. Yeah. You could abs yeah. You no. You can absolutely do it that way. The main sort of benefit to doing it on a regular basis over the course of the year is that you are dollar cost averaging. So putting in a lump sum at the end of the year boosts your super the the amount goes into your super fund at one time, and then it's invested in the market at one time. So if you're putting, say, 10 or 20 or 30% sorry, thousand in at one time, that 30,000 is invested into the market. If the market then takes a bit of a dip the next day, that money is still invested, and then your super fund goes down, And then that can have an effect on the return. Whereas if you are putting smaller amounts in over a regular period of time, you actually end up buying in the investments and holding more of the investments and taking a greater advantage of the market reactions. It's called dollar cost averaging. It helps to even out returns, even at the buy price of your investments, and can have a greater effect on your returns over the course of the year. This the down sort of side is that because your insurance premiums come out, how your contributions go in I'm not sure if your account's explained or not. You've got two portions of your super. You have a taxable component and a tax free component. When you make those contributions, they go into your tax free component, and any employer contributions are in the taxable side of things. Whenever your insurance premiums come out of your account, they come out proportionate. So if you had, you know, 20% tax free and the rest taxable, it would come out 80% taxable, 20% tax free, and that is how your insurance premiums are paid. And because it comes out that way, it's not seen as a withdrawal, but it is seen as lessening how much you have available to claim. So your insurance premiums do have that effect. Realistically, being able to put that money in on a regular basis has a greater effect to your super. I would just wanna, as your accountant said, make sure we are claiming that and and notice of intent on a regular basis before your insurance premiums and then after those again. But it's also up to you on what's comfortable for you because you're busy. You've got a business. It's growing. If you're more comfortable holding off and doing it at the end of the financial year, that's absolutely fine. What's more comfortable for you? How do you sort of find putting the contributions in, and what would you prefer? Yep. Yep. Yeah. Yeah. Absolutely. So I'm just gonna have a quick look at the certificate of currency here for you because I can tell you when your insurance premiums come out. Let's have a look. So your anniversary date on this one is around about December. Yeah. So if you were to do that notice of intent so it's about the December 10 there. So if you were to do that notice of intent, it's the same as you have been, you know, at calendar year, claiming it probably a week out from when your insurance, like, make sure your last payment goes in just before that. Claim a notice of intent for everything you have claimed, then your insurance premium comes out on the tenth, and then we make the next payment thereafter. And then at the end of the financial year, we just do a variation. And it's easy to do. We can actually set it up to do it that way for you to make it nice and easy. I'll just get the team to give you a call in December, confirm when your next last contribution will go in before Christmas. We claim the notice of intent, get you to sign it, send it back to us. We'll send it to Netwealth to have it claimed. And then end of financial year, we can help you to sign the last one there and just do a quick variation. Did you want me to organize that for you? Yeah. Beautiful. You do get the best benefit by doing it that way, but it's also gotta work in with your life too because you're busy. You've got a lot going on. Beautiful. Well, I'll do that. And you're still comfortable with the $200 per week. You're not planning to change or alter that at the moment? Yep. Yeah. Absolutely. Absolutely. We all pay way too much in tax, don't we? Beautiful. All good. Well, I'll definitely organize that for you. I'll add that into the advice to reflect. I just wanted to update a few additional details here for you just to sort of see what else might have changed over the course of the year. Now having a look, we've confirmed your income. Everything's going well with the cake shop there. You've got good growth. Assets and liabilities, now we've got your update of mortgage amount. The amount of the property on your main primary residence, you have that valued about 900,000 last year. What kind of value do you put on that now? Yep. Yep. Yes. Yeah. Yeah. Yep. Beautiful. Excellent. And we also had two cars down here. I apologize. I don't have a a note of which car is which, but the first one I had valued at 50,000. Which car would you have valued valued at 50,000 last year? Beautiful. I'm just gonna put here a m u x next to it so I can tell which one's which. And that vehicle's owned outright as well? Fantastic. And then I've got a secondary vehicle here with an asset value of about 7,000. Which car would you value about there? Oh, oh, I'm so sorry. Oh, no. Oh, what did you end up getting? Wow. My mom bought one of those. Do you like it? Yeah. Yeah. Yes. Yes. Oh, lovely. Yes. She loves it too. She thinks it's great. It was just a cheap car to get around, only travels locally. And I was like, look. It's just it's a much of a muchness. You just gotta be happy with the car you've you've got. And sometimes just buying a cheap car and a new car is easy to buy over a used car. Like, you never know what you're getting, at least with a new car. Even with the Cherries, you have that, you know, that security. If there's something's wrong, they're gonna have to fix it. So I agree. Yeah. Yeah. So what Wow. Yeah. Okay. And would you value it about the same? Yes. Beautiful. Excellent. And with your husband's there, I know they hold their value really nicely, but would you keep that about 50,000, do you think? Yeah. Beautiful. Excellent. No. Not a problem at all. And then we've got the boat noted down as well with a value of 20,000. Would you alter or change that? Keep it yeah. Beautiful. And any other assets, any other cars, boats, caravans, collections, anything of value, shares, or cryptocurrency that you've got back there at all? No. I mean, they're more liabilities, aren't they? Aren't they? My three are. All good. And I had here that we were sort of tracking towards retirement of around about age 70. Do you think you're gonna wanna keep working till then, or do you think you'd like to hopefully retire earlier? What's your sort of thoughts moving forward? Yep. 70? Yep. That's okay. We also hear that you were looking to hopefully live on income of about $1,000 a week by that age. Is that still sort of your goal? I know you've got a bit of time ahead of you that could change down the track, but is that what we're tracking for at the moment, do you think? Yep. Beautiful. Excellent. And when we sort of caught up last year, you mentioned that you'd be selling the business in retirement to help sort of fund your retirement aspect. Are you still thinking you might sell that down the track, or are you hoping to keep it open and maybe have employees to work for you in retirement to supplement income? Or what's your thoughts with the business? Yeah. Yes. Yeah. Yep. Yep. That's okay. Excellent. And what sort of value would you put on the business as a whole at the moment if you were to sell it? I know it's a tough a tough one. Sorry. Yes. No. No. That's okay. That's not a problem at all. Are you planning on sort of changing everything to a company structure moving forward in the future, or you sort of think it'll probably stay about the same? What's your Yeah. Yeah. Yeah. Oh, excellent. Yes. Damn. Yes. Yeah. Beautiful. Next two years. Excellent. And do you have any other goals that you're sort of working towards that you'd like to sort of maybe achieve, or is it more just, you know, working on through from building towards retirement and also looking at building the business? Yep. That's okay. No. Not a problem at all. Yeah. Absolutely. Now the only other thing I just wanted to touch on with insurance is we are looking at trying to reduce the cost of cover at the moment, and, obviously, you have a lot going on with your business and growing and expenses outside with the cost of living. You have your life, your TV, your income protection policy. You don't have any extra cover, life trauma or child trauma. These sorts of policies can pay out a lump sum tax free benefit in the event of, say, a large major diagnosis like cancer, stroke, heart attacks. With child trauma, you can cover your children up to the age of about 15 to 16 depending on what age they are. How old are your kids? Okay. So entry age for child trauma is anywhere up to sort of 15 or 16 depending on the policy type. And, again, it can also cover your kids for traumatic events like heart attacks, strokes, cancers, lots of different illnesses and things that can sort of hit adults and children as a traumatic event. These sorts of policies are held outside of super, so they are an external cost. They're not tax tax deductible in any way because they're not linked to your income. But did you wanna look at getting any new types of cover outside of super, like trauma and and or child trauma, or are you happy just to try and get the cover inside super reduced a little bit to save some money? What's your thoughts there? Yeah. Absolutely. Absolutely. Not a problem at all. Well, I've definitely got somewhere to go with that. I've got some really good ideas to update the advice there for you. I'll go back and do a little bit of research around that aspect, just making sure that the investment we choose put into place is working well for you. I'm trying to save you a bit in fees as well because having a bit more money invested with your balance at the moment, keeping fees as low as possible is a good idea. It keeps more money in your super compounding towards your retirement goals. And then also the same thing with trying to reduce those insurance premiums. Keeps more money in your super compounding so we can hopefully see a much greater return. The return essentially was great prior to your insurance premiums coming out. So we wanna see your balance grow a little bit higher and a little bit better towards your goals. So once you sort of see your balance get over that 1,000 sorry. A 100,000 to $150,000 mark, you see the compounding effect get a lot bigger there. So we just need to push it a little bit higher if we can, and then sort of, you know, see it grow, and you'll see the compounding effect grow even more from there. It's one of those things we slug it out over the first ten to fifteen years to get our super balance up to that sort of, you know, one hundred and fifty to two hundred thousand dollar mark. Once you kinda get over that mark there, the compounding effect is a lot bigger, and it tends to grow a lot faster for you as well. So I'll put the advice and see what we can do to help you along in that way. Okay? That should be it. Yeah. Yep. Beautiful. Does okay. Do me a favor. Don't sign it just yet. I just wanna double check the form. I'm gonna go back into the file just to double check the form that has been signed because it looks like now I'm just double checking. Did you I can see here that in your transactions, it looks like you did did you sign one in December at all? I'm just having a look. Sorry. Yeah. Yeah. This is last night. Okay. So it looks like here the contributions, it looks like your notice of intent, you've signed it on the fifteenth. Yeah. Didn't sign it. Okay. Yeah. You're right. Because I can see the contributions tax. I can see the contributions tax fee has been added to the account already. So it's like it has been submitted. Contribution going in. Yes. Mhmm. Yep. Yep. So it has been submitted. Yeah. That's absolutely fine. That's fine. I just wanted to make sure that the contributions were all correct on the form. But yeah. No. Look. It has all gone through. It has been claimed. That should be fine. You should get the confirmation letter. Has Netwealth sent the confirmation letters through to say they have completed that? Yes. Yep. Perfect. That's it. Yeah. That's the one. So that basically says that the contribution that the notice of intent has been claimed. The only thing I would have sort of wanted to hold off on is if you wanted to make another contribution before the end of the year, but that all has been claimed now. Are you intending to make one more contribution by the end of this year, or are you just sort of planning to start again in July? Or Okay. Yeah. That's fine. Yes. Yep. No. Yes. So what happens is all the contributions, the $200 that you've been putting into the account, that all goes in. When you claim that notice of intent, that means the super fund takes 15% tax out of the contributions, and then they become taxable. So, yeah, the tax has all been taken out. Yeah. Yep. That's absolutely fine. I just wanted to make sure and double check that there wasn't another contribution through. So I'll let the team know that that's all been submitted. Just wanna make sure you didn't miss any contributions. That's all. And I'll make sure that they also make contact in December just to allocate another another one. I'll get someone to give you a call so you'll hear from my admin team member, Samantha, and she'll give you a call to let you know they're gonna claim the notice of intent now, that we just wanna make sure no additional contributions go in until after your insurance premiums come out. And we can make a habit of doing that for you every year to make it easier. That way you get the most of that benefit of that that non that contribution you put into your super. Does that make sense? Yes. Beautiful. Do you have any other questions or anything else in relation to the contributions or the notes of intent? Or Beautiful. Beautiful. Now the last thing I'm gonna run through really quickly is just a risk profile questionnaire. I know we do one of these every year. Just making sure that you are invested correctly, making sure I'm looking at the right portfolio for you. The first one here is just have you ever invested in direct shares or managed funds outside of super? The last ones we always had no one. Have you? You haven't bought any shares? Nope. That's okay. That's okay. If there's ever something you wanted to look at doing, come and have a chat with us. We do also build investment portfolios outside of super, and we can definitely look at helping you in that area as well. Okay? Beautiful. Now looking at the average rate of return you're looking to try and get from your super, obviously, we're gonna try and get the best rate of return we possibly can on a yearly basis, make our super work as hard as possible. I'll tick the box number one for you there. The next one here is asking essentially with the market ups and downs, with how we're invested. When we are taking on more risk in the market, we do expect to have negative years or years where the portfolio doesn't perform as well due to market expectations and what happens globally. So this is probably a really good example of that. We have seen what's been going on between The US and Iran. It has made the market a bit volatile. We have seen those ups and downs. When you kinda think about the level of risk you're taking, do you consider yourself happy to take on a higher level of risk now to try and get the best returns you can knowing you're also taking you know, you also have the risk of a negative downturn in those sorts of times, or do you consider yourself more less risky, not wanting to take on as much risk and see as much of a downturn? How do you sort of rate yourself in that? Yeah. Yep. Yep. So you sort of see see yourself in the middle. If you sort of looked at it on a scale of one to five, five being very risky, a 100% invested in the market, one being no risk at all, all in cash essentially or very little risk. Would you sort of see yourself in the middle around about a three, or do you think you'd be a little bit lower? About a three? Yeah. Perfect. If you did see the market take a bit of a dip over the next twelve months with what we are seeing in the markets generally, do you think you would maybe call us and see what's happening? Would you maybe wanna take advantage of that market reaction and put more money in, or do you think yourself a bit concerned and maybe wanting to put your money into something safer? How do you think you might be feeling? Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. Perfect. Now having a look at this one here, you have scored there as more of a growth investor. We do, at the moment, have you invested as a high growth investor. So that's generally where you see 90% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities. And then the other 10% in lower risk defensive investments like cash, bonds, and fixed interest. A high growth portfolio is expected to sort of obtain, sorry, about a eight to 10% on a yearly basis compounding that over time. And the likelihood of a negative return is expected kind of one in every five years. And this sort of portfolio suits someone who's willing to stay invested for about eight years or longer. So you do have that time time horizon ahead of you to stay in that kind of environment. With the way you have scored, it would see us reduce your risk level a little bit by about 10% to the growth portfolio, which has an 8080% in growth investments and 20% in defensive lower risk investments. Again, it has the likelihood of a negative return, kind of one every five years, And we're trying to sort of obtain average returns of about seven to 9% on a yearly basis, and it has a six year time horizon for investment. Do you think that you wanna stay where you are for another year and just maybe adjust the portfolio a bit, or do you wanna look at reducing your risk level? How do you feel about that? Yep. Beautiful. So we'll stay high growth there currently, and then we'll just adjust the portfolio and see what that does over the next twelve months. Does that sound okay? Yeah. Beautiful. And did you wanna do another catch up in another six months or so around about December to see how things are going, or are you happy with just a a regular annual review once a year? What would you like to see? Yep. Beautiful. Lovely. Not a problem at all, Brooke. Excellent. Well, what I'll do is I'll go back and do a bit of research there for you. I'll get those quotes downloaded and emailed to you shortly. Do feel free to let me know if there's any issues or if you have any questions with regard to those. I can always come back and generate additional quotes there for you. I'm just double checking. The last thing here is your your sorry. Beneficiaries. I have noted here that in the event of something happened, you wanted everything to be paid to your husband. That is still correct. You don't wanna change those in any way, shape, or form. No. You're still good. Lovely. I didn't think you did. Easy. He's probably very upset if you did change those. Goodness. And, also, I've got here that you haven't had a will or power of attorney in place. Have you guys spoken to a lawyer? Have you talked about getting a will drawn up in power of attorneys and those sorts of estate planning documents? No. That's okay. Did you want me to email some information through on a bit of a estate planning on, like, a just cost base on a local solicitor we can refer you through to, or are you happy just to sort of leave that at the moment? Yeah. Yeah. Beautiful. I sort of use it as just to start the conversation, kinda gives you an idea of what a solicitor might charge. And there are some other options out there like using the public trustee as well. So I can get that information and attach it for you, which might also be handy and helpful for you guys. Okay? Beautiful. Look. I've touched on a lot. Do you have any additional questions? Is there anything that I've missed or that you wanted to sort of have me touch on this afternoon that you additionally? Beautiful. All good. Well, thank you so much for your time. I will let you go. You have a great afternoon. I'll get cracking on the research and get those quotes out through to you, and then we'll go from there and update the advice. My team will let you know once that's ready to go, and we'll book you back in and go through the advice together. Okay? Perfect. Yeah. Legend. Thank you so much. I really appreciate that. You have a great afternoon. Thank you. Thanks. See you later. 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Brooke. It's Dana from Open Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had you booked in to go through your annual review there today. Is that still a good time for you? Fantastic. Brooke, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nFantastic. And do you happen to have access to your emails there at the moment as well? Or oh, fantastic. Excellent. I'm just gonna send through an email to you just with a copy of all your annual review documents there.\n\nIf you wanted to open them up, we'll go through and have a bit of a chat about how your sleep has been going, have a look at any new goals that you do have, and look at any whether any new advice needs to be provided there for you as well. Okay? Just wanted to confirm your email address hasn't changed there at all. So I've got, sorry, brooked. Oh, my computer's all this slow.\n\nSorry. Can you just repeat your email address to me? Yes. It is. Yes.\n\nSorry. My computer was freezing a little bit there. It was shaking. I thought I can just sort of see it. Sorry about that.\n\nLove technology when it wants to work there for us. There we go. I've just sent that there through to you now, so it should come through. Perfect. Now just while we are sort of receiving that email there, I do need to do a quick security check there for you as well.\n\nAnd this sorry. It's on its way to you now. Just just gonna do a quick security check. Can you confirm your full name, your date of birth, and address I should have on file? Perfect.\n\nBeautiful. Fantastic. And we do record our calls moving forward for quality and training purposes. You're happy for me to proceed with that moving through the call? Oh, fantastic.\n\nLastly, when we sort of caught up there for your annual review, everything was going really well. The business was growing nicely as well. You just opened up another cake shop there as well. You just opened up it was it changed into a cake shop. Is that right?\n\nYeah. Yeah. And how's that been going for you? Fantastic. Fantastic.\n\nNow just let me know when that email comes through. As we are kinda going through the review, is there anything specific you want a bit of touch on or any specific questions you might have there for me today as well? Yep. That's okay. That's okay.\n\nYeah. You're right. Normally, did you wanna have a look at those first? Were you happy for me just to sort of run you through what the documents are? I don't ever want you to sign anything you haven't read or that you're not comfortable with.\n\nYou're fine. Yes. Perfect. All good. So So I'll start by just giving you a bit of an update on your super there because it's probably the main thing that you're sort of looking for.\n\nSo having a bit of a look when we did your annual review last year, your balance then was a bit $68,005.55 and 37¢ there. Looking at things now, we are up to 69,549 and 14¢. So it is definitely an increase on your balance, albeit a much smaller one. It is really important to sort of note that markets have been a bit volatile this year. So, obviously, returns can be a little bit lower with the expected ups and downs that we have seen with the market reactions.\n\nGenerally, based on what's been going on between The US and Iran there, it's definitely had a bit of an on flow effect with us. And I'm just pulling up your super fund just to sort of double check the investments there as well to sort of see. But, look, in all honesty, it still is an increase. We wanna see it going up, albeit a much smaller increase, so it is really good to see an increase on where we were last year. Having a look at the actual return there we go.\n\nBeautiful. Just waiting for it to load there for me. Beautiful. So with the actual return there, you have seen essentially a positive return for the year, albeit a much smaller one. It is an 8% return because your balance is a little bit lower there, sort of around that sort of $6,070,000 dollar mark.\n\nIt is an 8% return. It is a good return. It is showing essentially a positive income and growth within that last twelve months of about $5,000 there. But then you've obviously got your insurance premiums coming out as well, and they are quite high. So having a bit of look at the insurance side of things, at the moment based on your current, insurances, you do have your life and TBD with a current sum insured of a bit over a million dollars.\n\nSo you're currently covered for a million and 12 and then $16 there at the end. And then you've also got your income protection policy there as well. Now your insurance premium, so your growth within the last twelve months as a dollar figure has shown as of an 8% return, but it was the dollar figure is 8,882 and 98¢ there. So when I have a look at your insurance premiums for this year, your insurance premiums you actually paid 6 thousand $349.75 there. So it is good.\n\nYou did see a bit of growth there. The balance is a little bit lower than where we would expect based on that growth, but it is purely because your insurance premiums are a bit higher as well. So your insurance premiums essentially ate away all that growth that we saw within that twelve months. So that is essentially where this may where this dip in your super has come from and why the growth looks so low and why the balance is not a huge difference from where we would expect on last year's balance. Does that make sense?\n\nYeah. Yeah. Yeah. Absolutely. Absolutely.\n\nWell, let's have a bit of a look at what it is that you're actually wanting to achieve with your insurances there and to sort of see whether it is worth looking to reduce those at all. Now having a look at your income there last year. I can see your income was based on around about 90,000 per annum. Is that still fairly accurate for your income, or would you say that's gone up or down a little bit in the last year? Mhmm.\n\nRight. Okay. Right. Right. It does.\n\nYeah. You're right. You're right. Yes. Okay.\n\nYes. No. That's understandable. Perfect. So if I have a bit of a look now with income protection, you can be currently covered for up to 70% of that income based on a monthly benefit amount, and the monthly benefit is gross.\n\nSo if you are in an income protection's claim, the same as with your income, you do pay income tax on that amount. So just sort of having a look, if we base it on 85,000, does that sound okay? Yeah. Beautiful. So 85,000, and then we divide that, sorry, into a monthly amount.\n\nIt essentially shows that you can be covered for up to $4,958.33 on a monthly basis based on the 70%. If I could have a look at this now, so your current sum insured is 5,400 oh, sorry. I'm actually looking at the wrong document. There we go. We're up to 5,562 as a monthly benefit there.\n\nSo I'll just work out quickly what that is based on your income Five five six two. About twelve months. We had you in at, say, 90,000 last year. Yes. So it looks like based on 90,000 of income, the monthly benefit that you are covered for with income protection there is about 74.16% of your income based on 90,000.\n\nDid you feel like keeping your income protection at that higher rate because you are self employed and your income can go up and down and fluctuate might be more important to you? Or what's your thought? Difficult one, I know, because you kinda try to cover income that you may earn in the future, but also factoring in if or anything does, you know, if something was to occur in the future at the same time. That's okay. Yeah.\n\nSo there's a couple of things that we can definitely do. I can look at maybe just getting some quotes and seeing what would be preferred for yourself if you like, but, you do have an age 65 benefit period as well. So we can look to maybe look to make the premiums a bit cheaper by reducing the benefit period from, say, age 65 down to maybe a five year benefit period. That does have the risk that if in the event you are on an income protection claim, you can be on a claim for up to five years. If something was to you know, at that five year mark, if you still weren't able to go back to work, that claim stops that point.\n\nWhereas with your current benefit period at age 65, you can be on a claim up to age 65 or can be on income protection for that long. But reducing the benefit period can make the premiums more cheaper for you. I can also look at adjusting the income protection monthly benefit for you. So we can look at maybe 70% of 90,000 and seventy percent of 85,000 for you, and you could sort of weigh up the difference in the cost to see what's more comfortable for yourself to reduce the the cover to. Does that sound okay?\n\nYeah. I'll look at all those options for you. I'll get some quotes. Are you did you want me to email them through or give you a call once I've got the quotes here and we can talk them through? What would you prefer?\n\nYeah. Absolutely. Yeah. No. Not a problem at all.\n\nExcellent. And then we've also got here that you do have your life and TBD. So as I mentioned, this is just over a million dollars there at the moment. So it's 1,012,016. Essentially, with that, you do have level premiums.\n\nSo, essentially, that means that the premiums are cheaper to begin with earlier on. Well, sorry. They're more they're normally they're more expensive to start earlier on, and they get cheaper as you get older. Having a look at your income your life and TBD, sorry, if you were to say pass away, what is it that you're wanting to cover? What is your main goal with having the life cover paid out to start with?\n\nWhat did you wanna cover if you were to pass away prematurely? Right. Okay. Right. No.\n\nTough. Yeah. Yeah. Yep. Yep.\n\nOkay. Yep. So we could look at reducing your life cover down to 7 100 and 50,000. Yep. Beautiful.\n\nAnd with the TPD, the total permanent disability cover, this is, you know, if you were to be you would still be alive, but, essentially, it's totally impaired. So totally permanently disabled. You can receive the benefit as a lump sum or an income stream depending on what you prefer. But TPD, normally, know, a lot of people wanna pay off their mortgage, maybe provide a little bit of extra income and things like that. If you were to be PPD'd and claiming on that level of benefit, do you think you'd be comfortable with the $7.50 with life, or do you have a certain amount that you're comfortable with?\n\nOr do is it just something you wanted to cover yourself for or have paid out? What do you feel like with CBD? What's your main goal there? What do you wanna have covered? Yeah.\n\nYep. That's okay. It's tough, isn't it? It's not easy to think about. Like, if something if some it means the biggest thing with insurances is you pay the premiums and literally nothing happens.\n\nYou don't end up claiming on any of those. But it's always good to have some level of cover to protect yourself in the event. If you were to say because your mortgage at the moment, we had it noted last year at about 464,000. What is your mortgage now? Yeah.\n\nSo did that. Okay. Beautiful. Fantastic. 4 62?\n\nI know. Wishful thinking. That's okay. That's not a problem at all. So about $4.62.\n\nSo if you were to say cut yourself for, say, 750,000 of TBD as you sort of are thinking about the life, the 750,000, that then essentially $4.62. That leaves you about 288,000 there that you plus your super balance because your super is also can be paid out if you are unable to work at any point. Did you think maybe covering yourself for about the same amount would be preferable? Yeah. No.\n\nYeah. That's okay. Yeah. No. That's okay.\n\nPerfect. Now what I'm actually doing as well because it just double check. Your insurances are with Neos. So I've just got the codes out to go in there and look at trying to do some live quoting for you. So I'm just gonna bring up your file in the portal and just go in and alter the, quoting just to alter the policy just to sort of get some quotes for you so we can maybe see if this works.\n\nSometimes the portal works and sometimes it doesn't. So I will see if it does. But if I can give you the quote now, it might just make it a little bit easier for you. Beautiful. Okay.\n\nSo we'll look at with life and TBD reducing the sum insured to 750 for both of them. And the first quote I'll look at for you was the income protection. When you first applied, I can tell you exactly what we applied for. Just in this other section here. That was in 2020 that we were putting these into place.\n\nYou've had them for quite some time. Originally, the recommendation there was sorry. I'm just pulling up the advice document originally just to have a look at what was recommended for you. You were recommended 773,000 of life and TBD. So, essentially, with the increases there and what normally happens with your insurance policy is that it does go through renewal periods every year.\n\nAnd as it goes through all those renewal periods, it does increase along with CPI. So the amount that you're covered for increases, but so does the cost of the premium, unfortunately. And that essentially has just increased continuously along with in inflation over the past couple of years. So you end up with bit over a million. So it has increased really nicely.\n\nThe idea of doing that is that, you know, we all know a $100 this year isn't worth a $100 next year. Inflation eight ways, you know, borrowing buying out of our dollars. So the idea there is that you wanna keep if you had 700,000, you wanna keep that growing with inflation. So it actually covers what you wanted to, so that's why we just tend to increase those. But it does unfortunately mean that your policy the cost of your policy increases along with that, which can be can be a bit much and can does get very expensive over time as you get older as well.\n\nSo now for the first quote there, if you like, I'll look at keeping your income protection with the same monthly benefit and just look at reducing the benefit period for you just to give you an idea of what this looks like. Let's see how much it actually decreases by. Here we go. 30. We'll do it as a five year benefit period, and I won't change anything else there.\n\nSo looking at that, now your current premium, the amount I gave you before the 6,000, that's exactly how that's how much came out out of your super. The insurer actually received over 7,000 for the premium. But just making these changes, so reducing your life and TBD down to 750,000 and then reducing your income protection benefit period. So keeping the amount you're insured for the same, keeping the waiting period of thirty days, and just reducing your benefit period from 65 age sixty five to five years, it reduces the insurance premium to 4,940 and 67¢. So it does save a couple of thousand on the insurance premium there.\n\nSo a little over 4,900 just to kind of even it out for you. And then if we were to also reduce the sum insured on your policy and say we brought it back to 70%, did you want me just to look at 70% of 90,000 first so it's kind of a a lesser decrease to start with? Yep. Beautiful. By '12.\n\nThat brings us back to $5.02 $5.00 as a monthly benefit. So reducing your monthly benefit brings the the policy premium back to 4,783. So, again, it's a bit more of a reduction, another $200 there. That's with a five year benefit period. Yeah.\n\nIf you kept it $8.65 and just reduced the sum insured, the monthly benefit back to 70% of your 90,000, it still ends up a bit over 6 thousand dollars for the premium. So it is still quite high. It's that that benefit period that's really sort of keeping the the premiums higher there. Yeah. If we then lose both of, say, 70% of 85,000, that gives us a monthly benefit of four so $4.09 $5.08 and 33¢.\n\nSo $4.09 $5.08 is what they'll do. We keep a five year benefit period for you and reduce your life and take it to 750,000. The premium is around about $4,637 before the discount is applied. So you you get a 15% discount inside super, so you end up paying a little bit less outside of the super side of things. But that essentially, based on your current premium, is saving.\n\nLet's have a look here. So we're at 0163722. It's saving you about $2,833 for the first year. It's important that I do note if you do decide to reduce your life, your TBD, and the income protection, reducing is no problem. It's very easy to do.\n\nBut it does mean if something happens and you wanna increase that policy then, you do have to go back to your new application. And if there are changes to your health, it could mean the policy gets more expensive. There could be loadings or exclusions applied. Exclusions are essentially any preexisting condition they won't cover you for, so they exclude anything preexisting on the policy, and loadings tend to make the policy more expensive. So, like, for a type one diabetic, most poly most life policies have life of 50 or a 100% loading on them these days, and it just makes the policy 50 or a 100% more expensive for them.\n\nSo it's just more about making sure you're aware of those sort of things. But did you wanna look at reducing that, or did you want me to send the quotes through to you? What is your thoughts, and do you have more questions for me? No. It's only five.\n\nSo they do two years, five years, or age 65 for income protection, unfortunately. Yeah. Yeah. Absolutely. I'll generate all of those after the call for you and email them through, and you're welcome to have a bit of a look.\n\nLet me know if you do have additional questions. I know it's a difficult thing to sort of to decide on the spot. Don't wait. You feel like you have to make the call right now. But have a think about what you'd like to do, but that is probably one of the biggest things is as you do get older, your insurance premiums do become more expensive, which is can be a bit of a problem.\n\nAnd it does tend to have an effect on your super because you are paying those premiums out of your out of your super fund. It does affect your returns and the long term growth of your super as well. So it's about having a level You're right. Sorry. Yeah.\n\nI know. Just That's right. So with the income protection policy, you have a waiting period, which is thirty days. So it just means that you have to be off work for thirty days prior to making a claim. That benefit period does not kick in until you actually make a claim.\n\nSo it's not saying that you have income protection for the next five years and then you can't claim on it. It's about if you're on a claim, you can be on a claim for up to five years. After the five years have been on claim, the claim stops. But the claim doesn't start until you meet that waiting period. So if you have this policy for the next ten years or fifteen years and then you make a claim, it's all still completely valid.\n\nYeah. Does that make sense? Yeah. Beautiful. Fantastic.\n\nWell, I'll generate those couple of quotes and email them through to you after the call, Brooke. If you have questions, you're welcome to let me know. If you can decide what you wanna do, I can update the advice. I've also just been having a bit of look prior to the call at your investments as well, and I have noted that one of them has been slightly underperforming. So I would like to maybe remove that from your portfolio as well.\n\nYou did have originally, the Ben along Australian Equities investment within your portfolio there, which isn't a bad investment in any way. It was originally placed in your portfolio to be an actively managed fund. So the investment manager of that fund is trying to buy and sell, you know sorry, pick investments to make sure they're performing well, outperform against the market or the index that they're trying to track against. And they're trying to make money, by doing, yeah, more active management style in that fund. They haven't unfortunately been able to do that.\n\nI've been along have been a bit up and down over the past few years. They've had some really good returns and some not so good years. Unfortunately, in the last couple of months, some of the underlying investments within their portfolio have been underperforming, which has caused them to underperform. They haven't been able to get out of them and have had some of their underlying investments have had some legal issues as well. So I would like to look at moving you out of that investment.\n\nI feel like it's had enough time to try and build the returns, and it's not longer doing that. So it's time to give it a flick and find something a little bit better for you. Are you comfortable with me looking at something like that for you? Yeah. Beautiful.\n\nNow because looking at your age and stage, now you are quite young. You've got a lot of time ahead of you before real estate you can access super. You can't access super under the current legislation until the age of 60 there. Do you feel like you would want me to put something in its place that is more in that active management style, or would you like to look at something a bit cheaper as an investment that might save you on fees, but that might be a bit more diversified and might give you a bit more of a passively managed exposure. Do you know which way you'd like me to look, or did you have more questions about that?\n\nYeah. Yeah. Definitely. Did you want me to look at things yeah. Did you want me to look at something passive for the moment, and then we just reevaluate it next time you review?\n\nDo you was that yeah. It's up to you. So if you look at more of a passively managed investment, essentially, that's in more buying into a certain index fund. It can provide greater diversification. A passively managed fund is where the investment manager is just tracking the index.\n\nSo as an example, you have the S and P 500 in your investment portfolio, and that's a passively managed fund because the investment manager is just tracking the S and P 500. Whenever there's changes within the S and P 500 index, there's changes within the S and P 500 investment that you're in as well. They're not trying to outperform against the market. They're just participating in the market. More often than not, you can actually get greater returns by doing that because the investment manager is not trying to pick the top and the bottom.\n\nThey're not trying to value companies and buy in at certain times. Therefore, they are actually taking a little bit less risk in the market. They're staying invested throughout the downtime. They just keep pulling money in whenever they need to, and they're not trying to pick the top and the bottom of the market. Active managers are.\n\nThey're trying to pick the top and the bottoms. They don't always do that. No active manager has ever had a track record of doing it perfectly every time. They're valuing companies and trying to find when they're undervalued and buying at the right time, and they can take a bit more risk for doing that. With a investment manager that is more actively managed, you pay a bit more in fees, so the management fee can be a little bit higher.\n\nWhereas having more of a passively managed fund, you actually are saving it. They're not doing as much trading. They're not trying to outperform, and they're not doing they're still working as hard, but they're not doing as much buying and selling. They're just, you know, not trying to outperform against the market and beat the market and try to get greater returns. So it can actually be a little bit more cost effective and cheaper for you as well.\n\nDoes that make sense? Yeah. Do the second one or the first one? The first one? Yeah.\n\nThat's okay. One of the things I am looking at as well as with Bannalong, you have that investment manager holds generally between 15 to 20 different investors depending on what they're holding. With some of the passively managed funds, you can have the investments. The underlying investments can be a lot greater, like 200 odd. And having more investments in a fund helps to diversify your portfolio, which can help to lower the risk side of things.\n\nSo if you looked at something a bit more passive, like saving fees, help to cover your insurance premiums, provide a bit more growth there if you're comfortable to, and also help to lower the risk of your portfolio by providing greater diversification. Does that make sense? Yeah. Did you want me to look at that for you? Yeah.\n\nThat's okay. I have a a couple of really good options that I've been able to use to put in place there, but we don't want anything more underperforming for you. So we'll look at moving that out, and update the advice for you. I'll also send through those quotes after the call so you can let me know what you're comfortable with when it comes to the insurance side of things, and I can do one advice piece for you. Looking at reducing insurances, looking at replacing the investment for you, put all of that together over the next sort of five years, and show you how that, what kind of an effect that has.\n\nDoes that sound alright? Fantastic. Excellent. Now, Bruce, the other thing is you also do you also do do your non concessional contributions and claim your notice of intent at the end of the year. I believe I have a note here that you were emailed the notice of intent.\n\nI just wanna make sure that that is all good for you to sign and have applied. You. No. That's okay. Net loss has been a little bit slow.\n\nIt's not actually opening the portal for me at the moment. But you make those regular contributions on a weekly basis at the moment still, don't you? Yes. Mhmm. That is the best way because your insurance premiums got to come out partway through the financial year.\n\nSo to get the best of that benefit claiming the NOI before your insurance premiums come out, and then another one doing a an adjustment at the end of the financial year does allow you to claim a much greater portion. Absolutely. Yeah. Yeah. You could abs yeah.\n\nYou no. You can absolutely do it that way. The main sort of benefit to doing it on a regular basis over the course of the year is that you are dollar cost averaging. So putting in a lump sum at the end of the year boosts your super the the amount goes into your super fund at one time, and then it's invested in the market at one time. So if you're putting, say, 10 or 20 or 30% sorry, thousand in at one time, that 30,000 is invested into the market.\n\nIf the market then takes a bit of a dip the next day, that money is still invested, and then your super fund goes down, And then that can have an effect on the return. Whereas if you are putting smaller amounts in over a regular period of time, you actually end up buying in the investments and holding more of the investments and taking a greater advantage of the market reactions. It's called dollar cost averaging. It helps to even out returns, even at the buy price of your investments, and can have a greater effect on your returns over the course of the year. This the down sort of side is that because your insurance premiums come out, how your contributions go in I'm not sure if your account's explained or not.\n\nYou've got two portions of your super. You have a taxable component and a tax free component. When you make those contributions, they go into your tax free component, and any employer contributions are in the taxable side of things. Whenever your insurance premiums come out of your account, they come out proportionate. So if you had, you know, 20% tax free and the rest taxable, it would come out 80% taxable, 20% tax free, and that is how your insurance premiums are paid.\n\nAnd because it comes out that way, it's not seen as a withdrawal, but it is seen as lessening how much you have available to claim. So your insurance premiums do have that effect. Realistically, being able to put that money in on a regular basis has a greater effect to your super. I would just wanna, as your accountant said, make sure we are claiming that and and notice of intent on a regular basis before your insurance premiums and then after those again. But it's also up to you on what's comfortable for you because you're busy.\n\nYou've got a business. It's growing. If you're more comfortable holding off and doing it at the end of the financial year, that's absolutely fine. What's more comfortable for you? How do you sort of find putting the contributions in, and what would you prefer?\n\nYep. Yep. Yeah. Yeah. Absolutely.\n\nSo I'm just gonna have a quick look at the certificate of currency here for you because I can tell you when your insurance premiums come out. Let's have a look. So your anniversary date on this one is around about December. Yeah. So if you were to do that notice of intent so it's about the December 10 there.\n\nSo if you were to do that notice of intent, it's the same as you have been, you know, at calendar year, claiming it probably a week out from when your insurance, like, make sure your last payment goes in just before that. Claim a notice of intent for everything you have claimed, then your insurance premium comes out on the tenth, and then we make the next payment thereafter. And then at the end of the financial year, we just do a variation. And it's easy to do. We can actually set it up to do it that way for you to make it nice and easy.\n\nI'll just get the team to give you a call in December, confirm when your next last contribution will go in before Christmas. We claim the notice of intent, get you to sign it, send it back to us. We'll send it to Netwealth to have it claimed. And then end of financial year, we can help you to sign the last one there and just do a quick variation. Did you want me to organize that for you?\n\nYeah. Beautiful. You do get the best benefit by doing it that way, but it's also gotta work in with your life too because you're busy. You've got a lot going on. Beautiful.\n\nWell, I'll do that. And you're still comfortable with the $200 per week. You're not planning to change or alter that at the moment? Yep. Yeah.\n\nAbsolutely. Absolutely. We all pay way too much in tax, don't we? Beautiful. All good.\n\nWell, I'll definitely organize that for you. I'll add that into the advice to reflect. I just wanted to update a few additional details here for you just to sort of see what else might have changed over the course of the year. Now having a look, we've confirmed your income. Everything's going well with the cake shop there.\n\nYou've got good growth. Assets and liabilities, now we've got your update of mortgage amount. The amount of the property on your main primary residence, you have that valued about 900,000 last year. What kind of value do you put on that now? Yep.\n\nYep. Yes. Yeah. Yeah. Yep.\n\nBeautiful. Excellent. And we also had two cars down here. I apologize. I don't have a a note of which car is which, but the first one I had valued at 50,000.\n\nWhich car would you have valued valued at 50,000 last year? Beautiful. I'm just gonna put here a m u x next to it so I can tell which one's which. And that vehicle's owned outright as well? Fantastic.\n\nAnd then I've got a secondary vehicle here with an asset value of about 7,000. Which car would you value about there? Oh, oh, I'm so sorry. Oh, no. Oh, what did you end up getting?\n\nWow. My mom bought one of those. Do you like it? Yeah. Yeah.\n\nYes. Yes. Oh, lovely. Yes. She loves it too.\n\nShe thinks it's great. It was just a cheap car to get around, only travels locally. And I was like, look. It's just it's a much of a muchness. You just gotta be happy with the car you've you've got.\n\nAnd sometimes just buying a cheap car and a new car is easy to buy over a used car. Like, you never know what you're getting, at least with a new car. Even with the Cherries, you have that, you know, that security. If there's something's wrong, they're gonna have to fix it. So I agree.\n\nYeah. Yeah. So what Wow. Yeah. Okay.\n\nAnd would you value it about the same? Yes. Beautiful. Excellent. And with your husband's there, I know they hold their value really nicely, but would you keep that about 50,000, do you think?\n\nYeah. Beautiful. Excellent. No. Not a problem at all.\n\nAnd then we've got the boat noted down as well with a value of 20,000. Would you alter or change that? Keep it yeah. Beautiful. And any other assets, any other cars, boats, caravans, collections, anything of value, shares, or cryptocurrency that you've got back there at all?\n\nNo. I mean, they're more liabilities, aren't they? Aren't they? My three are. All good.\n\nAnd I had here that we were sort of tracking towards retirement of around about age 70. Do you think you're gonna wanna keep working till then, or do you think you'd like to hopefully retire earlier? What's your sort of thoughts moving forward? Yep. 70?\n\nYep. That's okay. We also hear that you were looking to hopefully live on income of about $1,000 a week by that age. Is that still sort of your goal? I know you've got a bit of time ahead of you that could change down the track, but is that what we're tracking for at the moment, do you think?\n\nYep. Beautiful. Excellent. And when we sort of caught up last year, you mentioned that you'd be selling the business in retirement to help sort of fund your retirement aspect. Are you still thinking you might sell that down the track, or are you hoping to keep it open and maybe have employees to work for you in retirement to supplement income?\n\nOr what's your thoughts with the business? Yeah. Yes. Yeah. Yep.\n\nYep. That's okay. Excellent. And what sort of value would you put on the business as a whole at the moment if you were to sell it? I know it's a tough a tough one.\n\nSorry. Yes. No. No. That's okay.\n\nThat's not a problem at all. Are you planning on sort of changing everything to a company structure moving forward in the future, or you sort of think it'll probably stay about the same? What's your Yeah. Yeah. Yeah.\n\nOh, excellent. Yes. Damn. Yes. Yeah.\n\nBeautiful. Next two years. Excellent. And do you have any other goals that you're sort of working towards that you'd like to sort of maybe achieve, or is it more just, you know, working on through from building towards retirement and also looking at building the business? Yep.\n\nThat's okay. No. Not a problem at all. Yeah. Absolutely.\n\nNow the only other thing I just wanted to touch on with insurance is we are looking at trying to reduce the cost of cover at the moment, and, obviously, you have a lot going on with your business and growing and expenses outside with the cost of living. You have your life, your TV, your income protection policy. You don't have any extra cover, life trauma or child trauma. These sorts of policies can pay out a lump sum tax free benefit in the event of, say, a large major diagnosis like cancer, stroke, heart attacks. With child trauma, you can cover your children up to the age of about 15 to 16 depending on what age they are.\n\nHow old are your kids? Okay. So entry age for child trauma is anywhere up to sort of 15 or 16 depending on the policy type. And, again, it can also cover your kids for traumatic events like heart attacks, strokes, cancers, lots of different illnesses and things that can sort of hit adults and children as a traumatic event. These sorts of policies are held outside of super, so they are an external cost.\n\nThey're not tax tax deductible in any way because they're not linked to your income. But did you wanna look at getting any new types of cover outside of super, like trauma and and or child trauma, or are you happy just to try and get the cover inside super reduced a little bit to save some money? What's your thoughts there? Yeah. Absolutely.\n\nAbsolutely. Not a problem at all. Well, I've definitely got somewhere to go with that. I've got some really good ideas to update the advice there for you. I'll go back and do a little bit of research around that aspect, just making sure that the investment we choose put into place is working well for you.\n\nI'm trying to save you a bit in fees as well because having a bit more money invested with your balance at the moment, keeping fees as low as possible is a good idea. It keeps more money in your super compounding towards your retirement goals. And then also the same thing with trying to reduce those insurance premiums. Keeps more money in your super compounding so we can hopefully see a much greater return. The return essentially was great prior to your insurance premiums coming out.\n\nSo we wanna see your balance grow a little bit higher and a little bit better towards your goals. So once you sort of see your balance get over that 1,000 sorry. A 100,000 to $150,000 mark, you see the compounding effect get a lot bigger there. So we just need to push it a little bit higher if we can, and then sort of, you know, see it grow, and you'll see the compounding effect grow even more from there. It's one of those things we slug it out over the first ten to fifteen years to get our super balance up to that sort of, you know, one hundred and fifty to two hundred thousand dollar mark.\n\nOnce you kinda get over that mark there, the compounding effect is a lot bigger, and it tends to grow a lot faster for you as well. So I'll put the advice and see what we can do to help you along in that way. Okay? That should be it. Yeah.\n\nYep. Beautiful. Does okay. Do me a favor. Don't sign it just yet.\n\nI just wanna double check the form. I'm gonna go back into the file just to double check the form that has been signed because it looks like now I'm just double checking. Did you I can see here that in your transactions, it looks like you did did you sign one in December at all? I'm just having a look. Sorry.\n\nYeah. Yeah. This is last night. Okay. So it looks like here the contributions, it looks like your notice of intent, you've signed it on the fifteenth.\n\nYeah. Didn't sign it. Okay. Yeah. You're right.\n\nBecause I can see the contributions tax. I can see the contributions tax fee has been added to the account already. So it's like it has been submitted. Contribution going in. Yes.\n\nMhmm. Yep. Yep. So it has been submitted. Yeah.\n\nThat's absolutely fine. That's fine. I just wanted to make sure that the contributions were all correct on the form. But yeah. No.\n\nLook. It has all gone through. It has been claimed. That should be fine. You should get the confirmation letter.\n\nHas Netwealth sent the confirmation letters through to say they have completed that? Yes. Yep. Perfect. That's it.\n\nYeah. That's the one. So that basically says that the contribution that the notice of intent has been claimed. The only thing I would have sort of wanted to hold off on is if you wanted to make another contribution before the end of the year, but that all has been claimed now. Are you intending to make one more contribution by the end of this year, or are you just sort of planning to start again in July?\n\nOr Okay. Yeah. That's fine. Yes. Yep.\n\nNo. Yes. So what happens is all the contributions, the $200 that you've been putting into the account, that all goes in. When you claim that notice of intent, that means the super fund takes 15% tax out of the contributions, and then they become taxable. So, yeah, the tax has all been taken out.\n\nYeah. Yep. That's absolutely fine. I just wanted to make sure and double check that there wasn't another contribution through. So I'll let the team know that that's all been submitted.\n\nJust wanna make sure you didn't miss any contributions. That's all. And I'll make sure that they also make contact in December just to allocate another another one. I'll get someone to give you a call so you'll hear from my admin team member, Samantha, and she'll give you a call to let you know they're gonna claim the notice of intent now, that we just wanna make sure no additional contributions go in until after your insurance premiums come out. And we can make a habit of doing that for you every year to make it easier.\n\nThat way you get the most of that benefit of that that non that contribution you put into your super. Does that make sense? Yes. Beautiful. Do you have any other questions or anything else in relation to the contributions or the notes of intent?\n\nOr Beautiful. Beautiful. Now the last thing I'm gonna run through really quickly is just a risk profile questionnaire. I know we do one of these every year. Just making sure that you are invested correctly, making sure I'm looking at the right portfolio for you.\n\nThe first one here is just have you ever invested in direct shares or managed funds outside of super? The last ones we always had no one. Have you? You haven't bought any shares? Nope.\n\nThat's okay. That's okay. If there's ever something you wanted to look at doing, come and have a chat with us. We do also build investment portfolios outside of super, and we can definitely look at helping you in that area as well. Okay?\n\nBeautiful. Now looking at the average rate of return you're looking to try and get from your super, obviously, we're gonna try and get the best rate of return we possibly can on a yearly basis, make our super work as hard as possible. I'll tick the box number one for you there. The next one here is asking essentially with the market ups and downs, with how we're invested. When we are taking on more risk in the market, we do expect to have negative years or years where the portfolio doesn't perform as well due to market expectations and what happens globally.\n\nSo this is probably a really good example of that. We have seen what's been going on between The US and Iran. It has made the market a bit volatile. We have seen those ups and downs. When you kinda think about the level of risk you're taking, do you consider yourself happy to take on a higher level of risk now to try and get the best returns you can knowing you're also taking you know, you also have the risk of a negative downturn in those sorts of times, or do you consider yourself more less risky, not wanting to take on as much risk and see as much of a downturn?\n\nHow do you sort of rate yourself in that? Yeah. Yep. Yep. So you sort of see see yourself in the middle.\n\nIf you sort of looked at it on a scale of one to five, five being very risky, a 100% invested in the market, one being no risk at all, all in cash essentially or very little risk. Would you sort of see yourself in the middle around about a three, or do you think you'd be a little bit lower? About a three? Yeah. Perfect.\n\nIf you did see the market take a bit of a dip over the next twelve months with what we are seeing in the markets generally, do you think you would maybe call us and see what's happening? Would you maybe wanna take advantage of that market reaction and put more money in, or do you think yourself a bit concerned and maybe wanting to put your money into something safer? How do you think you might be feeling? Yeah. Yeah.\n\nYeah. Yeah. Yeah. Absolutely. Perfect.\n\nNow having a look at this one here, you have scored there as more of a growth investor. We do, at the moment, have you invested as a high growth investor. So that's generally where you see 90% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities. And then the other 10% in lower risk defensive investments like cash, bonds, and fixed interest. A high growth portfolio is expected to sort of obtain, sorry, about a eight to 10% on a yearly basis compounding that over time.\n\nAnd the likelihood of a negative return is expected kind of one in every five years. And this sort of portfolio suits someone who's willing to stay invested for about eight years or longer. So you do have that time time horizon ahead of you to stay in that kind of environment. With the way you have scored, it would see us reduce your risk level a little bit by about 10% to the growth portfolio, which has an 8080% in growth investments and 20% in defensive lower risk investments. Again, it has the likelihood of a negative return, kind of one every five years, And we're trying to sort of obtain average returns of about seven to 9% on a yearly basis, and it has a six year time horizon for investment.\n\nDo you think that you wanna stay where you are for another year and just maybe adjust the portfolio a bit, or do you wanna look at reducing your risk level? How do you feel about that? Yep. Beautiful. So we'll stay high growth there currently, and then we'll just adjust the portfolio and see what that does over the next twelve months.\n\nDoes that sound okay? Yeah. Beautiful. And did you wanna do another catch up in another six months or so around about December to see how things are going, or are you happy with just a a regular annual review once a year? What would you like to see?\n\nYep. Beautiful. Lovely. Not a problem at all, Brooke. Excellent.\n\nWell, what I'll do is I'll go back and do a bit of research there for you. I'll get those quotes downloaded and emailed to you shortly. Do feel free to let me know if there's any issues or if you have any questions with regard to those. I can always come back and generate additional quotes there for you. I'm just double checking.\n\nThe last thing here is your your sorry. Beneficiaries. I have noted here that in the event of something happened, you wanted everything to be paid to your husband. That is still correct. You don't wanna change those in any way, shape, or form.\n\nNo. You're still good. Lovely. I didn't think you did. Easy.\n\nHe's probably very upset if you did change those. Goodness. And, also, I've got here that you haven't had a will or power of attorney in place. Have you guys spoken to a lawyer? Have you talked about getting a will drawn up in power of attorneys and those sorts of estate planning documents?\n\nNo. That's okay. Did you want me to email some information through on a bit of a estate planning on, like, a just cost base on a local solicitor we can refer you through to, or are you happy just to sort of leave that at the moment? Yeah. Yeah.\n\nBeautiful. I sort of use it as just to start the conversation, kinda gives you an idea of what a solicitor might charge. And there are some other options out there like using the public trustee as well. So I can get that information and attach it for you, which might also be handy and helpful for you guys. Okay?\n\nBeautiful. Look. I've touched on a lot. Do you have any additional questions? Is there anything that I've missed or that you wanted to sort of have me touch on this afternoon that you additionally?\n\nBeautiful. All good. Well, thank you so much for your time. I will let you go. You have a great afternoon.\n\nI'll get cracking on the research and get those quotes out through to you, and then we'll go from there and update the advice. My team will let you know once that's ready to go, and we'll book you back in and go through the advice together. Okay? Perfect. Yeah.\n\nLegend. Thank you so much. I really appreciate that. You have a great afternoon. Thank you.\n\nThanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Brooke.","start":2.8799999,"end":3.52,"sentiment":"neutral","sentiment_score":0.13162106275558472},{"text":"It's Dana from Open Financial.","start":3.52,"end":4.9,"sentiment":"neutral","sentiment_score":0.1904094099998474},{"text":"How are you this afternoon?","start":5.04,"end":6.18,"sentiment":"neutral","sentiment_score":0.22145954966545106},{"text":"I'm very well.","start":7.6,"end":8.559999,"sentiment":"positive","sentiment_score":0.4901874860127767},{"text":"Thank you.","start":8.559999,"end":8.96,"sentiment":"positive","sentiment_score":0.5909650325775146}],"sentiment":"neutral","sentiment_score":0.2926517321782954,"num_words":17,"start":2.8799999,"end":8.96},{"sentences":[{"text":"I had you booked in to go through your annual review there today.","start":8.96,"end":11.44,"sentiment":"neutral","sentiment_score":0.22185780795720908},{"text":"Is that still a good time for you?","start":11.44,"end":13.38,"sentiment":"neutral","sentiment_score":0.1397984540089965},{"text":"Fantastic.","start":14.875,"end":15.375,"sentiment":"positive","sentiment_score":0.4747973084449768},{"text":"Brooke, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":15.915,"end":20.475,"sentiment":"neutral","sentiment_score":0.1952031534165144},{"text":"Are you happy for me to proceed with that?","start":20.475,"end":22.575,"sentiment":"neutral","sentiment_score":0.17330502304765913}],"sentiment":"neutral","sentiment_score":0.19494467878883534,"num_words":55,"start":8.96,"end":22.575},{"sentences":[{"text":"Fantastic.","start":24.075,"end":24.575,"sentiment":"positive","sentiment_score":0.46498942375183105},{"text":"And do you happen to have access to your emails there at the moment as well?","start":24.715,"end":28.075,"sentiment":"neutral","sentiment_score":0.10065170237794518},{"text":"Or oh, fantastic.","start":28.075,"end":31.75,"sentiment":"neutral","sentiment_score":0.2961248109738032},{"text":"Excellent.","start":32.21,"end":32.69,"sentiment":"positive","sentiment_score":0.5219357013702393},{"text":"I'm just gonna send through an email to you just with a copy of all your annual review documents there.","start":32.69,"end":37.010002,"sentiment":"neutral","sentiment_score":0.3015899807214737}],"sentiment":"neutral","sentiment_score":0.23213479050048968,"num_words":41,"start":24.075,"end":37.010002},{"sentences":[{"text":"If you wanted to open them up, we'll go through and have a bit of a chat about how your sleep has been going, have a look at any new goals that you do have, and look at any whether any new advice needs to be provided there for you as well.","start":37.010002,"end":47.565002,"sentiment":"neutral","sentiment_score":0.2459101721357841},{"text":"Okay?","start":47.565002,"end":48.065002,"sentiment":"neutral","sentiment_score":0.06171149015426636},{"text":"Just wanted to confirm your email address hasn't changed there at all.","start":49.005,"end":52.445,"sentiment":"neutral","sentiment_score":0.009294976674330732},{"text":"So I've got, sorry, brooked.","start":52.445,"end":55.505,"sentiment":"neutral","sentiment_score":-0.040424556285142896},{"text":"Oh, my computer's all this slow.","start":55.71,"end":57.629997,"sentiment":"neutral","sentiment_score":-0.15138611694176993}],"sentiment":"neutral","sentiment_score":0.1559229036609299,"num_words":76,"start":37.010002,"end":57.629997},{"sentences":[{"text":"Sorry.","start":57.629997,"end":57.79,"sentiment":"neutral","sentiment_score":-0.06356561183929443},{"text":"Can you just repeat your email address to me?","start":57.79,"end":60.05,"sentiment":"neutral","sentiment_score":-0.00580491353240278},{"text":"Yes.","start":62.829998,"end":63.07,"sentiment":"neutral","sentiment_score":0.01880185306072235},{"text":"It is.","start":63.07,"end":63.55,"sentiment":"neutral","sentiment_score":0.0182359479367733},{"text":"Yes.","start":63.55,"end":63.79,"sentiment":"neutral","sentiment_score":0.018313711509108543}],"sentiment":"neutral","sentiment_score":-0.00301588379911014,"num_words":14,"start":57.629997,"end":63.79},{"sentences":[{"text":"Sorry.","start":63.79,"end":64.11,"sentiment":"neutral","sentiment_score":-0.05055009946227074},{"text":"My computer was freezing a little bit there.","start":64.11,"end":65.63,"sentiment":"neutral","sentiment_score":-0.17625651881098747},{"text":"It was shaking.","start":65.63,"end":66.35,"sentiment":"neutral","sentiment_score":-0.16278276840845743},{"text":"I thought I can just sort of see it.","start":66.35,"end":68.03,"sentiment":"neutral","sentiment_score":-0.11600174009799957},{"text":"Sorry about that.","start":68.03,"end":69.009995,"sentiment":"neutral","sentiment_score":-0.08593859026829402}],"sentiment":"neutral","sentiment_score":-0.13544924945260087,"num_words":24,"start":63.79,"end":69.009995},{"sentences":[{"text":"Love technology when it wants to work there for us.","start":70.535,"end":73.195,"sentiment":"neutral","sentiment_score":0.144773717969656},{"text":"There we go.","start":74.135,"end":75.035,"sentiment":"neutral","sentiment_score":0.08273110787073772},{"text":"I've just sent that there through to you now, so it should come through.","start":75.815,"end":79.175,"sentiment":"neutral","sentiment_score":0.1208598544555051},{"text":"Perfect.","start":79.175,"end":79.495,"sentiment":"neutral","sentiment_score":0.28895217180252075},{"text":"Now just while we are sort of receiving that email there, I do need to do a quick security check there for you as well.","start":79.495,"end":84.78,"sentiment":"neutral","sentiment_score":0.05916592076420784}],"sentiment":"neutral","sentiment_score":0.09728431427535021,"num_words":53,"start":70.535,"end":84.78},{"sentences":[{"text":"And this sorry.","start":85.26,"end":87.64,"sentiment":"neutral","sentiment_score":0.00986966552833716},{"text":"It's on its way to you now.","start":87.9,"end":89.52,"sentiment":"neutral","sentiment_score":0.09404899392809186},{"text":"Just just gonna do a quick security check.","start":90.06,"end":92.299995,"sentiment":"neutral","sentiment_score":0.06198926502838731},{"text":"Can you confirm your full name, your date of birth, and address I should have on file?","start":92.299995,"end":95.68,"sentiment":"neutral","sentiment_score":0.06476292978314792},{"text":"Perfect.","start":102.555,"end":103.055,"sentiment":"neutral","sentiment_score":0.12331408262252808}],"sentiment":"neutral","sentiment_score":0.06689305453457767,"num_words":36,"start":85.26,"end":103.055},{"sentences":[{"text":"Beautiful.","start":103.515,"end":104.015,"sentiment":"positive","sentiment_score":0.333444207906723},{"text":"Fantastic.","start":104.634995,"end":105.134995,"sentiment":"positive","sentiment_score":0.6115481853485107},{"text":"And we do record our calls moving forward for quality and training purposes.","start":105.674995,"end":108.715,"sentiment":"positive","sentiment_score":0.3923601874938378},{"text":"You're happy for me to proceed with that moving through the call?","start":108.715,"end":111.455,"sentiment":"positive","sentiment_score":0.563427264491717},{"text":"Oh, fantastic.","start":113.06,"end":113.88,"sentiment":"positive","sentiment_score":0.620614767074585}],"sentiment":"positive","sentiment_score":0.48441488064568616,"num_words":29,"start":103.515,"end":113.88},{"sentences":[{"text":"Lastly, when we sort of caught up there for your annual review, everything was going really well.","start":114.5,"end":118.68,"sentiment":"positive","sentiment_score":0.40964118347448464},{"text":"The business was growing nicely as well.","start":119.54,"end":121.62,"sentiment":"positive","sentiment_score":0.6331704088619777},{"text":"You just opened up another cake shop there as well.","start":121.62,"end":124.1,"sentiment":"neutral","sentiment_score":0.2742148354649544},{"text":"You just opened up it was it changed into a cake shop.","start":124.1,"end":126.66,"sentiment":"neutral","sentiment_score":0.11948244646191597},{"text":"Is that right?","start":126.66,"end":127.48,"sentiment":"neutral","sentiment_score":0.13574181497097015}],"sentiment":"neutral","sentiment_score":0.3261072681266434,"num_words":49,"start":114.5,"end":127.48},{"sentences":[{"text":"Yeah.","start":131.755,"end":132.155,"sentiment":"neutral","sentiment_score":0.1018039733171463},{"text":"Yeah.","start":132.155,"end":132.555,"sentiment":"neutral","sentiment_score":0.1039171889424324},{"text":"And how's that been going for you?","start":132.555,"end":134.415,"sentiment":"neutral","sentiment_score":0.12597632940326417},{"text":"Fantastic.","start":135.995,"end":136.495,"sentiment":"positive","sentiment_score":0.7053975462913513},{"text":"Fantastic.","start":137.515,"end":138.015,"sentiment":"positive","sentiment_score":0.6413815021514893}],"sentiment":"neutral","sentiment_score":0.2213031378659335,"num_words":11,"start":131.755,"end":138.015},{"sentences":[{"text":"Now just let me know when that email comes through.","start":139.69,"end":141.69,"sentiment":"neutral","sentiment_score":0.2536013275384903},{"text":"As we are kinda going through the review, is there anything specific you want a bit of touch on or any specific questions you might have there for me today as well?","start":141.69,"end":149.06999,"sentiment":"neutral","sentiment_score":0.15162977017462254},{"text":"Yep.","start":152.105,"end":152.425,"sentiment":"neutral","sentiment_score":-0.06045961380004883},{"text":"That's okay.","start":152.425,"end":153.08499,"sentiment":"neutral","sentiment_score":-0.10172033309936523},{"text":"That's okay.","start":155.145,"end":156.125,"sentiment":"neutral","sentiment_score":-0.013313825707882643}],"sentiment":"neutral","sentiment_score":0.15101357424592085,"num_words":47,"start":139.69,"end":156.125},{"sentences":[{"text":"Yeah.","start":158.905,"end":159.145,"sentiment":"neutral","sentiment_score":0.014638593420386314},{"text":"You're right.","start":159.145,"end":160.045,"sentiment":"neutral","sentiment_score":0.023778194561600685},{"text":"Normally, did you wanna have a look at those first?","start":160.425,"end":162.58499,"sentiment":"neutral","sentiment_score":0.004379882523790002},{"text":"Were you happy for me just to sort of run you through what the documents are?","start":162.58499,"end":165.465,"sentiment":"neutral","sentiment_score":0.016667532036080956},{"text":"I don't ever want you to sign anything you haven't read or that you're not comfortable with.","start":165.465,"end":174.107,"sentiment":"neutral","sentiment_score":-0.13639140326310606}],"sentiment":"neutral","sentiment_score":-0.04230390293726131,"num_words":46,"start":158.905,"end":174.107},{"sentences":[{"text":"You're fine.","start":174.21675,"end":175.32649,"sentiment":"neutral","sentiment_score":0.018554584123194218},{"text":"Yes.","start":175.43625,"end":175.93625,"sentiment":"neutral","sentiment_score":0.04981468245387077},{"text":"Perfect.","start":176.046,"end":176.546,"sentiment":"neutral","sentiment_score":0.32208311557769775},{"text":"All good.","start":176.65575,"end":177.7655,"sentiment":"neutral","sentiment_score":0.27502770721912384},{"text":"So So I'll start by just giving you a bit of an update on your super there because it's probably the main thing that you're sort of looking for.","start":177.87524,"end":183.605,"sentiment":"neutral","sentiment_score":0.09433281871265378}],"sentiment":"neutral","sentiment_score":0.10556326066809041,"num_words":35,"start":174.21675,"end":183.605},{"sentences":[{"text":"So having a bit of a look when we did your annual review last year, your balance then was a bit $68,005.55 and 37¢ there.","start":183.605,"end":191.01,"sentiment":"neutral","sentiment_score":0.05757846822962165},{"text":"Looking at things now, we are up to 69,549 and 14¢.","start":191.33,"end":196.45,"sentiment":"neutral","sentiment_score":0.07433813773095607},{"text":"So it is definitely an increase on your balance, albeit a much smaller one.","start":196.45,"end":200.54999,"sentiment":"neutral","sentiment_score":0.03676702295030866},{"text":"It is really important to sort of note that markets have been a bit volatile this year.","start":200.68999,"end":204.415,"sentiment":"neutral","sentiment_score":-0.0677833039970959},{"text":"So, obviously, returns can be a little bit lower with the expected ups and downs that we have seen with the market reactions.","start":204.415,"end":210.595,"sentiment":"neutral","sentiment_score":-0.16124789886500523}],"sentiment":"neutral","sentiment_score":-0.025238805746828966,"num_words":90,"start":183.605,"end":210.595},{"sentences":[{"text":"Generally, based on what's been going on between The US and Iran there, it's definitely had a bit of an on flow effect with us.","start":211.215,"end":217.26,"sentiment":"neutral","sentiment_score":-0.08997119702398777},{"text":"And I'm just pulling up your super fund just to sort of double check the investments there as well to sort of see.","start":218.22,"end":223.57999,"sentiment":"neutral","sentiment_score":0.013742607167881468},{"text":"But, look, in all honesty, it still is an increase.","start":223.57999,"end":225.98,"sentiment":"neutral","sentiment_score":0.060982993245124816},{"text":"We wanna see it going up, albeit a much smaller increase, so it is really good to see an increase on where we were last year.","start":225.98,"end":232.0,"sentiment":"positive","sentiment_score":0.407851816369937},{"text":"Having a look at the actual return there we go.","start":233.02501,"end":238.085,"sentiment":"neutral","sentiment_score":0.11163410693407058}],"sentiment":"neutral","sentiment_score":0.11060764113480741,"num_words":94,"start":211.215,"end":238.085},{"sentences":[{"text":"Beautiful.","start":241.585,"end":242.085,"sentiment":"positive","sentiment_score":0.6270164251327515},{"text":"Just waiting for it to load there for me.","start":243.505,"end":245.685,"sentiment":"positive","sentiment_score":0.42856096227963764},{"text":"Beautiful.","start":246.70001,"end":247.18001,"sentiment":"positive","sentiment_score":0.5664618015289307},{"text":"So with the actual return there, you have seen essentially a positive return for the year, albeit a much smaller one.","start":247.18001,"end":253.42001,"sentiment":"positive","sentiment_score":0.424934656847091},{"text":"It is an 8% return because your balance is a little bit lower there, sort of around that sort of $6,070,000 dollar mark.","start":253.42001,"end":260.415,"sentiment":"neutral","sentiment_score":0.2551703935732012}],"sentiment":"positive","sentiment_score":0.3607831587845629,"num_words":55,"start":241.585,"end":260.415},{"sentences":[{"text":"It is an 8% return.","start":260.415,"end":261.615,"sentiment":"positive","sentiment_score":0.35419209599494933},{"text":"It is a good return.","start":261.615,"end":262.495,"sentiment":"positive","sentiment_score":0.5587960839271545},{"text":"It is showing essentially a positive income and growth within that last twelve months of about $5,000 there.","start":262.495,"end":269.155,"sentiment":"positive","sentiment_score":0.4264889359474182},{"text":"But then you've obviously got your insurance premiums coming out as well, and they are quite high.","start":269.45502,"end":273.85,"sentiment":"neutral","sentiment_score":-0.0368627213379916},{"text":"So having a bit of look at the insurance side of things, at the moment based on your current, insurances, you do have your life and TBD with a current sum insured of a bit over a million dollars.","start":273.85,"end":285.945,"sentiment":"neutral","sentiment_score":0.047785054271419845}],"sentiment":"neutral","sentiment_score":0.160460626196471,"num_words":84,"start":260.415,"end":285.945},{"sentences":[{"text":"So you're currently covered for a million and 12 and then $16 there at the end.","start":285.945,"end":291.405,"sentiment":"neutral","sentiment_score":0.0706887780688703},{"text":"And then you've also got your income protection policy there as well.","start":291.785,"end":294.905,"sentiment":"neutral","sentiment_score":0.07680973100165527},{"text":"Now your insurance premium, so your growth within the last twelve months as a dollar figure has shown as of an 8% return, but it was the dollar figure is 8,882 and 98¢ there.","start":294.905,"end":306.38998,"sentiment":"neutral","sentiment_score":0.07122466193907188},{"text":"So when I have a look at your insurance premiums for this year, your insurance premiums you actually paid 6 thousand $349.75 there.","start":306.38998,"end":315.405,"sentiment":"neutral","sentiment_score":0.11578058775352396},{"text":"So it is good.","start":315.885,"end":316.76498,"sentiment":"positive","sentiment_score":0.42266861349344254}],"sentiment":"neutral","sentiment_score":0.09950885269790888,"num_words":89,"start":285.945,"end":316.76498},{"sentences":[{"text":"You did see a bit of growth there.","start":316.76498,"end":318.285,"sentiment":"neutral","sentiment_score":0.24894494377076626},{"text":"The balance is a little bit lower than where we would expect based on that growth, but it is purely because your insurance premiums are a bit higher as well.","start":318.285,"end":326.04498,"sentiment":"neutral","sentiment_score":-0.039499572850763796},{"text":"So your insurance premiums essentially ate away all that growth that we saw within that twelve months.","start":326.04498,"end":330.445,"sentiment":"negative","sentiment_score":-0.3448382484562257},{"text":"So that is essentially where this may where this dip in your super has come from and why the growth looks so low and why the balance is not a huge difference from where we would expect on last year's balance.","start":330.445,"end":341.08,"sentiment":"neutral","sentiment_score":-0.1560205725453249},{"text":"Does that make sense?","start":341.08,"end":342.13998,"sentiment":"neutral","sentiment_score":0.010961928404867649}],"sentiment":"neutral","sentiment_score":-0.1140867361985147,"num_words":100,"start":316.76498,"end":342.13998},{"sentences":[{"text":"Yeah.","start":343.89502,"end":344.39502,"sentiment":"neutral","sentiment_score":0.01947757601737976},{"text":"Yeah.","start":349.49503,"end":349.99503,"sentiment":"neutral","sentiment_score":0.020078938454389572},{"text":"Yeah.","start":356.07,"end":356.55,"sentiment":"neutral","sentiment_score":0.12562432885169983},{"text":"Absolutely.","start":356.55,"end":357.05,"sentiment":"neutral","sentiment_score":0.24714848399162292},{"text":"Absolutely.","start":357.51,"end":358.01,"sentiment":"neutral","sentiment_score":0.2528643012046814}],"sentiment":"neutral","sentiment_score":0.1330387257039547,"num_words":5,"start":343.89502,"end":358.01},{"sentences":[{"text":"Well, let's have a bit of a look at what it is that you're actually wanting to achieve with your insurances there and to sort of see whether it is worth looking to reduce those at all.","start":358.47,"end":366.16998,"sentiment":"neutral","sentiment_score":0.06193493729507601},{"text":"Now having a look at your income there last year.","start":366.71,"end":369.385,"sentiment":"neutral","sentiment_score":0.05808179527521133},{"text":"I can see your income was based on around about 90,000 per annum.","start":369.385,"end":373.36502,"sentiment":"neutral","sentiment_score":0.13161867742355055},{"text":"Is that still fairly accurate for your income, or would you say that's gone up or down a little bit in the last year?","start":373.665,"end":379.125,"sentiment":"neutral","sentiment_score":0.07333974066811304},{"text":"Mhmm.","start":383.12,"end":383.62,"sentiment":"neutral","sentiment_score":-0.014428745955228806}],"sentiment":"neutral","sentiment_score":0.07446092316771255,"num_words":85,"start":358.47,"end":383.62},{"sentences":[{"text":"Right.","start":388.16,"end":388.66,"sentiment":"neutral","sentiment_score":0.007465075701475143},{"text":"Okay.","start":393.695,"end":394.195,"sentiment":"neutral","sentiment_score":-0.013031970709562302},{"text":"Right.","start":402.975,"end":403.475,"sentiment":"neutral","sentiment_score":0.03906033933162689},{"text":"Right.","start":403.77502,"end":404.27502,"sentiment":"neutral","sentiment_score":0.038278281688690186},{"text":"It does.","start":405.05502,"end":405.715,"sentiment":"neutral","sentiment_score":-0.006700960919260979}],"sentiment":"neutral","sentiment_score":0.009728300695617994,"num_words":6,"start":388.16,"end":405.715},{"sentences":[{"text":"Yeah.","start":406.8,"end":407.3,"sentiment":"neutral","sentiment_score":-0.02526039630174637},{"text":"You're right.","start":418.0,"end":418.71997,"sentiment":"neutral","sentiment_score":-0.02438167668879032},{"text":"You're right.","start":418.71997,"end":419.385,"sentiment":"neutral","sentiment_score":0.03833698853850365},{"text":"Yes.","start":421.065,"end":421.565,"sentiment":"neutral","sentiment_score":0.014934985898435116},{"text":"Okay.","start":425.465,"end":425.965,"sentiment":"neutral","sentiment_score":-0.07333346456289291}],"sentiment":"neutral","sentiment_score":-0.007964035895253931,"num_words":7,"start":406.8,"end":425.965},{"sentences":[{"text":"Yes.","start":427.385,"end":427.70502,"sentiment":"neutral","sentiment_score":-0.027115873992443085},{"text":"No.","start":427.70502,"end":427.945,"sentiment":"neutral","sentiment_score":-0.09425201267004012},{"text":"That's understandable.","start":427.945,"end":428.685,"sentiment":"neutral","sentiment_score":-0.053958527743816376},{"text":"Perfect.","start":428.905,"end":429.385,"sentiment":"neutral","sentiment_score":0.15405569970607758},{"text":"So if I have a bit of a look now with income protection, you can be currently covered for up to 70% of that income based on a monthly benefit amount, and the monthly benefit is gross.","start":429.385,"end":438.56,"sentiment":"neutral","sentiment_score":0.09982402058872017}],"sentiment":"neutral","sentiment_score":0.08614903617472876,"num_words":42,"start":427.385,"end":438.56},{"sentences":[{"text":"So if you are in an income protection's claim, the same as with your income, you do pay income tax on that amount.","start":438.56,"end":444.09998,"sentiment":"neutral","sentiment_score":0.09155688321460849},{"text":"So just sort of having a look, if we base it on 85,000, does that sound okay?","start":444.71997,"end":448.9,"sentiment":"neutral","sentiment_score":0.10764582586639068},{"text":"Yeah.","start":450.345,"end":450.82498,"sentiment":"positive","sentiment_score":0.4198830127716065},{"text":"Beautiful.","start":450.82498,"end":451.32498,"sentiment":"positive","sentiment_score":0.6304197311401367},{"text":"So 85,000, and then we divide that, sorry, into a monthly amount.","start":451.38498,"end":456.365,"sentiment":"neutral","sentiment_score":0.2617534175515175}],"sentiment":"neutral","sentiment_score":0.15050242792952945,"num_words":54,"start":438.56,"end":456.365},{"sentences":[{"text":"It essentially shows that you can be covered for up to $4,958.33 on a monthly basis based on the 70%.","start":456.82498,"end":465.35,"sentiment":"neutral","sentiment_score":0.2381284564733505},{"text":"If I could have a look at this now, so your current sum insured is 5,400 oh, sorry.","start":465.97,"end":473.17,"sentiment":"neutral","sentiment_score":0.0681575160059664},{"text":"I'm actually looking at the wrong document.","start":473.17,"end":475.785,"sentiment":"neutral","sentiment_score":-0.1838479914835521},{"text":"There we go.","start":475.785,"end":476.665,"sentiment":"neutral","sentiment_score":-0.022088296711444855},{"text":"We're up to 5,562 as a monthly benefit there.","start":476.665,"end":481.545,"sentiment":"neutral","sentiment_score":0.07366052932209438}],"sentiment":"neutral","sentiment_score":0.09296751492901852,"num_words":57,"start":456.82498,"end":481.545},{"sentences":[{"text":"So I'll just work out quickly what that is based on your income Five five six two.","start":481.545,"end":490.74,"sentiment":"neutral","sentiment_score":0.09250862239038243},{"text":"About twelve months.","start":491.19998,"end":492.34,"sentiment":"neutral","sentiment_score":0.020180239031712215},{"text":"We had you in at, say, 90,000 last year.","start":493.84,"end":497.38,"sentiment":"neutral","sentiment_score":0.032599962419933744},{"text":"Yes.","start":501.45502,"end":501.695,"sentiment":"neutral","sentiment_score":0.13206598162651062},{"text":"So it looks like based on 90,000 of income, the monthly benefit that you are covered for with income protection there is about 74.16% of your income based on 90,000.","start":501.695,"end":514.915,"sentiment":"neutral","sentiment_score":0.15374426618218423}],"sentiment":"neutral","sentiment_score":0.11118301544338464,"num_words":60,"start":481.545,"end":514.915},{"sentences":[{"text":"Did you feel like keeping your income protection at that higher rate because you are self employed and your income can go up and down and fluctuate might be more important to you?","start":515.39996,"end":524.83997,"sentiment":"neutral","sentiment_score":0.10276613474795313},{"text":"Or what's your thought?","start":524.83997,"end":530.035,"sentiment":"neutral","sentiment_score":-0.020600024610757828},{"text":"Difficult one, I know, because you kinda try to cover income that you may earn in the future, but also factoring in if or anything does, you know, if something was to occur in the future at the same time.","start":531.415,"end":540.635,"sentiment":"negative","sentiment_score":-0.41827867925167084},{"text":"That's okay.","start":546.93,"end":547.75,"sentiment":"neutral","sentiment_score":-0.007608650252223015},{"text":"Yeah.","start":552.945,"end":553.185,"sentiment":"neutral","sentiment_score":0.16677916049957275}],"sentiment":"neutral","sentiment_score":-0.16588378702290357,"num_words":80,"start":515.39996,"end":553.185},{"sentences":[{"text":"So there's a couple of things that we can definitely do.","start":553.185,"end":555.425,"sentiment":"positive","sentiment_score":0.34254742616956885},{"text":"I can look at maybe just getting some quotes and seeing what would be preferred for yourself if you like, but, you do have an age 65 benefit period as well.","start":555.425,"end":563.66504,"sentiment":"neutral","sentiment_score":0.18080241773878375},{"text":"So we can look to maybe look to make the premiums a bit cheaper by reducing the benefit period from, say, age 65 down to maybe a five year benefit period.","start":563.66504,"end":572.37,"sentiment":"neutral","sentiment_score":0.17484207968077353},{"text":"That does have the risk that if in the event you are on an income protection claim, you can be on a claim for up to five years.","start":572.75,"end":579.165,"sentiment":"neutral","sentiment_score":-0.1410890942705529},{"text":"If something was to you know, at that five year mark, if you still weren't able to go back to work, that claim stops that point.","start":579.96497,"end":586.625,"sentiment":"neutral","sentiment_score":-0.12406006971230873}],"sentiment":"neutral","sentiment_score":0.059975942171464756,"num_words":127,"start":553.185,"end":586.625},{"sentences":[{"text":"Whereas with your current benefit period at age 65, you can be on a claim up to age 65 or can be on income protection for that long.","start":586.685,"end":594.065,"sentiment":"neutral","sentiment_score":0.11537775330777679},{"text":"But reducing the benefit period can make the premiums more cheaper for you.","start":594.57,"end":598.99005,"sentiment":"positive","sentiment_score":0.3455198177924523},{"text":"I can also look at adjusting the income protection monthly benefit for you.","start":599.45,"end":604.81,"sentiment":"neutral","sentiment_score":0.1608491471180549},{"text":"So we can look at maybe 70% of 90,000 and seventy percent of 85,000 for you, and you could sort of weigh up the difference in the cost to see what's more comfortable for yourself to reduce the the cover to.","start":604.81,"end":617.135,"sentiment":"neutral","sentiment_score":0.12095829090330659},{"text":"Does that sound okay?","start":617.135,"end":618.275,"sentiment":"neutral","sentiment_score":0.14237652719020844}],"sentiment":"neutral","sentiment_score":0.15497141083081564,"num_words":99,"start":586.685,"end":618.275},{"sentences":[{"text":"Yeah.","start":620.11,"end":620.35004,"sentiment":"neutral","sentiment_score":0.28924012184143066},{"text":"I'll look at all those options for you.","start":620.35004,"end":622.11,"sentiment":"neutral","sentiment_score":0.27612892910838127},{"text":"I'll get some quotes.","start":622.11,"end":623.17,"sentiment":"neutral","sentiment_score":0.25909456238150597},{"text":"Are you did you want me to email them through or give you a call once I've got the quotes here and we can talk them through?","start":623.39,"end":628.19,"sentiment":"neutral","sentiment_score":0.15389187937533413},{"text":"What would you prefer?","start":628.19,"end":629.25,"sentiment":"neutral","sentiment_score":0.06308621820062399}],"sentiment":"neutral","sentiment_score":0.18050171409479596,"num_words":44,"start":620.11,"end":629.25},{"sentences":[{"text":"Yeah.","start":631.965,"end":632.465,"sentiment":"neutral","sentiment_score":0.22402608394622803},{"text":"Absolutely.","start":635.48505,"end":635.98505,"sentiment":"neutral","sentiment_score":0.11642856150865556},{"text":"Yeah.","start":637.24506,"end":637.72504,"sentiment":"neutral","sentiment_score":0.10020169615745544},{"text":"No.","start":637.72504,"end":637.965,"sentiment":"neutral","sentiment_score":0.1542784720659256},{"text":"Not a problem at all.","start":637.965,"end":639.085,"sentiment":"neutral","sentiment_score":0.3126378893852234}],"sentiment":"neutral","sentiment_score":0.23979158451159796,"num_words":9,"start":631.965,"end":639.085},{"sentences":[{"text":"Excellent.","start":639.085,"end":639.585,"sentiment":"positive","sentiment_score":0.6290568113327026},{"text":"And then we've also got here that you do have your life and TBD.","start":640.125,"end":643.085,"sentiment":"neutral","sentiment_score":0.1808369063905307},{"text":"So as I mentioned, this is just over a million dollars there at the moment.","start":643.085,"end":646.065,"sentiment":"neutral","sentiment_score":0.14295503000418344},{"text":"So it's 1,012,016.","start":646.125,"end":649.09,"sentiment":"neutral","sentiment_score":0.13839457432428995},{"text":"Essentially, with that, you do have level premiums.","start":650.51,"end":654.21,"sentiment":"neutral","sentiment_score":0.23601627163589}],"sentiment":"neutral","sentiment_score":0.18557104504689936,"num_words":41,"start":639.085,"end":654.21},{"sentences":[{"text":"So, essentially, that means that the premiums are cheaper to begin with earlier on.","start":654.27,"end":659.17,"sentiment":"neutral","sentiment_score":0.30144005907433374},{"text":"Well, sorry.","start":660.11,"end":660.67,"sentiment":"neutral","sentiment_score":-0.20592184364795685},{"text":"They're more they're normally they're more expensive to start earlier on, and they get cheaper as you get older.","start":660.67,"end":665.975,"sentiment":"neutral","sentiment_score":-0.26242798684458984},{"text":"Having a look at your income your life and TBD, sorry, if you were to say pass away, what is it that you're wanting to cover?","start":666.755,"end":673.315,"sentiment":"neutral","sentiment_score":-0.09260495744932157},{"text":"What is your main goal with having the life cover paid out to start with?","start":673.315,"end":676.81,"sentiment":"neutral","sentiment_score":0.04192025164763133}],"sentiment":"neutral","sentiment_score":-0.038904470121978146,"num_words":76,"start":654.27,"end":676.81},{"sentences":[{"text":"What did you wanna cover if you were to pass away prematurely?","start":676.81,"end":679.38995,"sentiment":"neutral","sentiment_score":-0.1323775313794613},{"text":"Right.","start":684.97,"end":685.47,"sentiment":"neutral","sentiment_score":0.03856521099805832},{"text":"Okay.","start":689.785,"end":690.285,"sentiment":"neutral","sentiment_score":-0.04744172841310501},{"text":"Right.","start":692.985,"end":693.485,"sentiment":"neutral","sentiment_score":-0.14365410804748535},{"text":"No.","start":694.985,"end":695.485,"sentiment":"negative","sentiment_score":-0.35476431250572205}],"sentiment":"neutral","sentiment_score":-0.13098908215761185,"num_words":16,"start":676.81,"end":695.485},{"sentences":[{"text":"Tough.","start":698.665,"end":699.065,"sentiment":"neutral","sentiment_score":-0.20995549857616425},{"text":"Yeah.","start":699.065,"end":699.565,"sentiment":"neutral","sentiment_score":-0.02575080469250679},{"text":"Yeah.","start":703.48,"end":703.98,"sentiment":"neutral","sentiment_score":-0.005085032433271408},{"text":"Yep.","start":706.36,"end":706.86,"sentiment":"neutral","sentiment_score":-0.031098391860723495},{"text":"Yep.","start":711.72003,"end":712.22003,"sentiment":"neutral","sentiment_score":0.04066035896539688}],"sentiment":"neutral","sentiment_score":-0.04624587371945381,"num_words":5,"start":698.665,"end":712.22003},{"sentences":[{"text":"Okay.","start":715.015,"end":715.515,"sentiment":"neutral","sentiment_score":0.02180684171617031},{"text":"Yep.","start":715.575,"end":715.895,"sentiment":"neutral","sentiment_score":0.036597102880477905},{"text":"So we could look at reducing your life cover down to 7 100 and 50,000.","start":715.895,"end":719.515,"sentiment":"neutral","sentiment_score":0.0163576515391469},{"text":"Yep.","start":719.97504,"end":720.47504,"sentiment":"neutral","sentiment_score":0.23769283294677737},{"text":"Beautiful.","start":720.695,"end":721.195,"sentiment":"positive","sentiment_score":0.48578429222106934}],"sentiment":"neutral","sentiment_score":0.05406557067640518,"num_words":19,"start":715.015,"end":721.195},{"sentences":[{"text":"And with the TPD, the total permanent disability cover, this is, you know, if you were to be you would still be alive, but, essentially, it's totally impaired.","start":721.575,"end":729.68,"sentiment":"neutral","sentiment_score":-0.03978135636342423},{"text":"So totally permanently disabled.","start":729.68,"end":731.38,"sentiment":"neutral","sentiment_score":-0.10837388783693314},{"text":"You can receive the benefit as a lump sum or an income stream depending on what you prefer.","start":731.75995,"end":736.1,"sentiment":"neutral","sentiment_score":0.0557827479723427},{"text":"But TPD, normally, know, a lot of people wanna pay off their mortgage, maybe provide a little bit of extra income and things like that.","start":736.56,"end":742.985,"sentiment":"neutral","sentiment_score":0.0032790425419807435},{"text":"If you were to be PPD'd and claiming on that level of benefit, do you think you'd be comfortable with the $7.50 with life, or do you have a certain amount that you're comfortable with?","start":743.045,"end":754.07996,"sentiment":"neutral","sentiment_score":0.026565481828791756}],"sentiment":"neutral","sentiment_score":0.004258944195779887,"num_words":110,"start":721.575,"end":754.07996},{"sentences":[{"text":"Or do is it just something you wanted to cover yourself for or have paid out?","start":754.07996,"end":758.72,"sentiment":"neutral","sentiment_score":-0.014791048597544432},{"text":"What do you feel like with CBD?","start":758.72,"end":760.16,"sentiment":"neutral","sentiment_score":-0.03451672941446304},{"text":"What's your main goal there?","start":760.16,"end":761.2,"sentiment":"neutral","sentiment_score":0.022210362181067467},{"text":"What do you wanna have covered?","start":761.2,"end":762.66,"sentiment":"neutral","sentiment_score":-0.014433945218722025},{"text":"Yeah.","start":768.335,"end":768.835,"sentiment":"neutral","sentiment_score":0.04411805421113968}],"sentiment":"neutral","sentiment_score":-0.011705933990223067,"num_words":35,"start":754.07996,"end":768.835},{"sentences":[{"text":"Yep.","start":771.695,"end":772.195,"sentiment":"neutral","sentiment_score":0.010126616805791857},{"text":"That's okay.","start":772.975,"end":773.715,"sentiment":"neutral","sentiment_score":0.10894793272018433},{"text":"It's tough, isn't it?","start":776.52997,"end":777.57,"sentiment":"neutral","sentiment_score":-0.24957553297281265},{"text":"It's not easy to think about.","start":777.57,"end":778.93,"sentiment":"neutral","sentiment_score":-0.24366082002719244},{"text":"Like, if something if some it means the biggest thing with insurances is you pay the premiums and literally nothing happens.","start":778.93,"end":785.17,"sentiment":"neutral","sentiment_score":-0.14678383121887842}],"sentiment":"neutral","sentiment_score":-0.15631485368837328,"num_words":34,"start":771.695,"end":785.17},{"sentences":[{"text":"You don't end up claiming on any of those.","start":785.17,"end":787.19,"sentiment":"neutral","sentiment_score":-0.10296811825699276},{"text":"But it's always good to have some level of cover to protect yourself in the event.","start":789.105,"end":793.28503,"sentiment":"neutral","sentiment_score":0.16601782338693738},{"text":"If you were to say because your mortgage at the moment, we had it noted last year at about 464,000.","start":793.66504,"end":799.745,"sentiment":"neutral","sentiment_score":0.007896270276978612},{"text":"What is your mortgage now?","start":799.745,"end":801.28503,"sentiment":"neutral","sentiment_score":-0.006408899277448654},{"text":"Yeah.","start":807.51996,"end":808.01996,"sentiment":"neutral","sentiment_score":-0.004248063080012798}],"sentiment":"neutral","sentiment_score":0.036298136391183906,"num_words":51,"start":785.17,"end":808.01996},{"sentences":[{"text":"So did that.","start":808.88,"end":809.86,"sentiment":"neutral","sentiment_score":-0.0015134116013844807},{"text":"Okay.","start":812.0,"end":812.5,"sentiment":"neutral","sentiment_score":0.1263420581817627},{"text":"Beautiful.","start":812.56,"end":813.06,"sentiment":"neutral","sentiment_score":0.2981894314289093},{"text":"Fantastic.","start":813.2,"end":813.7,"sentiment":"positive","sentiment_score":0.4498162865638733},{"text":"4 62?","start":815.46497,"end":816.605,"sentiment":"neutral","sentiment_score":0.010379792540334165}],"sentiment":"neutral","sentiment_score":0.11132089080638252,"num_words":8,"start":808.88,"end":816.605},{"sentences":[{"text":"I know.","start":816.985,"end":817.705,"sentiment":"neutral","sentiment_score":0.018819084390997887},{"text":"Wishful thinking.","start":817.705,"end":818.685,"sentiment":"neutral","sentiment_score":0.17915526777505875},{"text":"That's okay.","start":819.705,"end":820.505,"sentiment":"neutral","sentiment_score":0.252238392829895},{"text":"That's not a problem at all.","start":820.505,"end":822.205,"sentiment":"neutral","sentiment_score":0.23366740345954895},{"text":"So about $4.62.","start":822.425,"end":823.865,"sentiment":"neutral","sentiment_score":0.05696750432252884}],"sentiment":"neutral","sentiment_score":0.16488882824778556,"num_words":15,"start":816.985,"end":823.865},{"sentences":[{"text":"So if you were to say cut yourself for, say, 750,000 of TBD as you sort of are thinking about the life, the 750,000, that then essentially $4.62.","start":823.865,"end":836.7,"sentiment":"neutral","sentiment_score":0.04725562022732837},{"text":"That leaves you about 288,000 there that you plus your super balance because your super is also can be paid out if you are unable to work at any point.","start":838.36,"end":849.77496,"sentiment":"neutral","sentiment_score":-0.014168416025737922},{"text":"Did you think maybe covering yourself for about the same amount would be preferable?","start":850.555,"end":854.095,"sentiment":"neutral","sentiment_score":-0.11967019257800919},{"text":"Yeah.","start":858.81,"end":859.31,"sentiment":"neutral","sentiment_score":-0.08578918874263763},{"text":"No.","start":861.76996,"end":862.26996,"sentiment":"neutral","sentiment_score":-0.177435040473938}],"sentiment":"neutral","sentiment_score":-0.01406083837453578,"num_words":74,"start":823.865,"end":862.26996},{"sentences":[{"text":"Yeah.","start":864.49,"end":864.99,"sentiment":"neutral","sentiment_score":-0.09299442172050476},{"text":"That's okay.","start":865.61,"end":866.43,"sentiment":"neutral","sentiment_score":-0.159028097987175},{"text":"Yeah.","start":870.345,"end":870.745,"sentiment":"neutral","sentiment_score":-0.027691813185811043},{"text":"No.","start":870.745,"end":870.985,"sentiment":"neutral","sentiment_score":-0.05491221696138382},{"text":"That's okay.","start":870.985,"end":871.785,"sentiment":"neutral","sentiment_score":0.08253282681107521}],"sentiment":"neutral","sentiment_score":-0.046941284888557026,"num_words":7,"start":864.49,"end":871.785},{"sentences":[{"text":"Perfect.","start":871.785,"end":872.265,"sentiment":"positive","sentiment_score":0.3912246227264404},{"text":"Now what I'm actually doing as well because it just double check.","start":872.265,"end":875.705,"sentiment":"neutral","sentiment_score":0.1951614829401175},{"text":"Your insurances are with Neos.","start":875.705,"end":877.565,"sentiment":"neutral","sentiment_score":0.09984953850507736},{"text":"So I've just got the codes out to go in there and look at trying to do some live quoting for you.","start":877.865,"end":883.23,"sentiment":"neutral","sentiment_score":0.11009391380321176},{"text":"So I'm just gonna bring up your file in the portal and just go in and alter the, quoting just to alter the policy just to sort of get some quotes for you so we can maybe see if this works.","start":883.23,"end":895.54504,"sentiment":"neutral","sentiment_score":0.1287055864203267}],"sentiment":"neutral","sentiment_score":0.13495562046218879,"num_words":81,"start":871.785,"end":895.54504},{"sentences":[{"text":"Sometimes the portal works and sometimes it doesn't.","start":895.60504,"end":898.325,"sentiment":"neutral","sentiment_score":0.12289557605981827},{"text":"So I will see if it does.","start":898.325,"end":900.10504,"sentiment":"neutral","sentiment_score":0.13655706069299153},{"text":"But if I can give you the quote now, it might just make it a little bit easier for you.","start":901.525,"end":905.705,"sentiment":"neutral","sentiment_score":0.3110197775065899},{"text":"Beautiful.","start":913.77997,"end":914.27997,"sentiment":"positive","sentiment_score":0.5644049644470215},{"text":"Okay.","start":916.1,"end":916.6,"sentiment":"neutral","sentiment_score":0.2442493438720703}],"sentiment":"neutral","sentiment_score":0.24238145653460477,"num_words":37,"start":895.60504,"end":916.6},{"sentences":[{"text":"So we'll look at with life and TBD reducing the sum insured to 750 for both of them.","start":916.74,"end":924.40497,"sentiment":"neutral","sentiment_score":0.14873716524905628},{"text":"And the first quote I'll look at for you was the income protection.","start":924.945,"end":930.485,"sentiment":"neutral","sentiment_score":0.030461725420676745},{"text":"When you first applied, I can tell you exactly what we applied for.","start":933.6,"end":937.62,"sentiment":"neutral","sentiment_score":-0.02888087326517472},{"text":"Just in this other section here.","start":938.16003,"end":940.02,"sentiment":"neutral","sentiment_score":-0.0005531093726555509},{"text":"That was in 2020 that we were putting these into place.","start":940.32,"end":942.96,"sentiment":"neutral","sentiment_score":-0.012377939102324572}],"sentiment":"neutral","sentiment_score":0.04194006665808256,"num_words":61,"start":916.74,"end":942.96},{"sentences":[{"text":"You've had them for quite some time.","start":942.96,"end":944.9,"sentiment":"neutral","sentiment_score":-0.04360620810517243},{"text":"Originally, the recommendation there was sorry.","start":946.16003,"end":953.995,"sentiment":"neutral","sentiment_score":-0.05301007628440857},{"text":"I'm just pulling up the advice document originally just to have a look at what was recommended for you.","start":953.995,"end":959.295,"sentiment":"neutral","sentiment_score":-0.018763075827767973},{"text":"You were recommended 773,000 of life and TBD.","start":963.93,"end":967.95,"sentiment":"neutral","sentiment_score":0.020206327317282557},{"text":"So, essentially, with the increases there and what normally happens with your insurance policy is that it does go through renewal periods every year.","start":970.25,"end":978.225,"sentiment":"neutral","sentiment_score":0.004300302593037486}],"sentiment":"neutral","sentiment_score":-0.011171007412485778,"num_words":64,"start":942.96,"end":978.225},{"sentences":[{"text":"And as it goes through all those renewal periods, it does increase along with CPI.","start":979.005,"end":984.065,"sentiment":"neutral","sentiment_score":-0.001768625279267629},{"text":"So the amount that you're covered for increases, but so does the cost of the premium, unfortunately.","start":984.125,"end":988.865,"sentiment":"neutral","sentiment_score":-0.14024132621638916},{"text":"And that essentially has just increased continuously along with in inflation over the past couple of years.","start":990.23,"end":997.37,"sentiment":"neutral","sentiment_score":-0.21582390981561997},{"text":"So you end up with bit over a million.","start":997.43,"end":999.11,"sentiment":"neutral","sentiment_score":-0.029367340521679983},{"text":"So it has increased really nicely.","start":999.11,"end":1000.89,"sentiment":"positive","sentiment_score":0.49213965237140656}],"sentiment":"neutral","sentiment_score":-0.05298603972187266,"num_words":64,"start":979.005,"end":1000.89},{"sentences":[{"text":"The idea of doing that is that, you know, we all know a $100 this year isn't worth a $100 next year.","start":1001.51,"end":1007.045,"sentiment":"neutral","sentiment_score":-0.16599882969802077},{"text":"Inflation eight ways, you know, borrowing buying out of our dollars.","start":1007.045,"end":1011.765,"sentiment":"neutral","sentiment_score":-0.17158600823445755},{"text":"So the idea there is that you wanna keep if you had 700,000, you wanna keep that growing with inflation.","start":1011.765,"end":1018.725,"sentiment":"neutral","sentiment_score":-0.04581151967868209},{"text":"So it actually covers what you wanted to, so that's why we just tend to increase those.","start":1018.725,"end":1023.42,"sentiment":"neutral","sentiment_score":-0.03134411003659753},{"text":"But it does unfortunately mean that your policy the cost of your policy increases along with that, which can be can be a bit much and can does get very expensive over time as you get older as well.","start":1023.8,"end":1035.9249,"sentiment":"negative","sentiment_score":-0.5441382214044913}],"sentiment":"neutral","sentiment_score":-0.25880634167804084,"num_words":109,"start":1001.51,"end":1035.9249},{"sentences":[{"text":"So now for the first quote there, if you like, I'll look at keeping your income protection with the same monthly benefit and just look at reducing the benefit period for you just to give you an idea of what this looks like.","start":1037.345,"end":1050.7899,"sentiment":"neutral","sentiment_score":0.07047057333727215},{"text":"Let's see how much it actually decreases by.","start":1052.85,"end":1055.75,"sentiment":"neutral","sentiment_score":0.029298755689524114},{"text":"Here we go.","start":1056.69,"end":1057.6699,"sentiment":"neutral","sentiment_score":0.022042897219459217},{"text":"30.","start":1059.105,"end":1059.425,"sentiment":"neutral","sentiment_score":0.03501027822494507},{"text":"We'll do it as a five year benefit period, and I won't change anything else there.","start":1059.425,"end":1063.925,"sentiment":"neutral","sentiment_score":0.06592569954227656}],"sentiment":"neutral","sentiment_score":0.062261617768713286,"num_words":71,"start":1037.345,"end":1063.925},{"sentences":[{"text":"So looking at that, now your current premium, the amount I gave you before the 6,000, that's exactly how that's how much came out out of your super.","start":1064.465,"end":1075.16,"sentiment":"neutral","sentiment_score":0.16641284259302275},{"text":"The insurer actually received over 7,000 for the premium.","start":1075.38,"end":1078.76,"sentiment":"neutral","sentiment_score":0.15338576750622857},{"text":"But just making these changes, so reducing your life and TBD down to 750,000 and then reducing your income protection benefit period.","start":1079.14,"end":1089.255,"sentiment":"neutral","sentiment_score":0.1428658857264302},{"text":"So keeping the amount you're insured for the same, keeping the waiting period of thirty days, and just reducing your benefit period from 65 age sixty five to five years, it reduces the insurance premium to 4,940 and 67¢.","start":1089.255,"end":1104.7201,"sentiment":"neutral","sentiment_score":0.2824277328817468},{"text":"So it does save a couple of thousand on the insurance premium there.","start":1104.7201,"end":1108.66,"sentiment":"positive","sentiment_score":0.4809177036468799}],"sentiment":"neutral","sentiment_score":0.23788422711870888,"num_words":111,"start":1064.465,"end":1108.66},{"sentences":[{"text":"So a little over 4,900 just to kind of even it out for you.","start":1111.12,"end":1115.9401,"sentiment":"positive","sentiment_score":0.44438350413526806},{"text":"And then if we were to also reduce the sum insured on your policy and say we brought it back to 70%, did you want me just to look at 70% of 90,000 first so it's kind of a a lesser decrease to start with?","start":1116.515,"end":1132.23,"sentiment":"neutral","sentiment_score":0.00876790163715163},{"text":"Yep.","start":1133.73,"end":1134.13,"sentiment":"positive","sentiment_score":0.34561440348625183},{"text":"Beautiful.","start":1134.13,"end":1134.63,"sentiment":"positive","sentiment_score":0.35083436965942383},{"text":"By '12.","start":1136.13,"end":1136.95,"sentiment":"neutral","sentiment_score":0.19864322245121002}],"sentiment":"neutral","sentiment_score":0.12237555316847099,"num_words":63,"start":1111.12,"end":1136.95},{"sentences":[{"text":"That brings us back to $5.02 $5.00 as a monthly benefit.","start":1137.25,"end":1141.75,"sentiment":"neutral","sentiment_score":0.1792394153096459},{"text":"So reducing your monthly benefit brings the the policy premium back to 4,783.","start":1142.345,"end":1148.745,"sentiment":"neutral","sentiment_score":0.14701272088747758},{"text":"So, again, it's a bit more of a reduction, another $200 there.","start":1148.745,"end":1152.2051,"sentiment":"neutral","sentiment_score":0.02110665539900462},{"text":"That's with a five year benefit period.","start":1156.36,"end":1158.7001,"sentiment":"neutral","sentiment_score":0.02826601409053962},{"text":"Yeah.","start":1158.8401,"end":1159.16,"sentiment":"neutral","sentiment_score":0.04351457953453064}],"sentiment":"neutral","sentiment_score":0.0994876246113563,"num_words":44,"start":1137.25,"end":1159.16},{"sentences":[{"text":"If you kept it $8.65 and just reduced the sum insured, the monthly benefit back to 70% of your 90,000, it still ends up a bit over 6 thousand dollars for the premium.","start":1159.16,"end":1172.4551,"sentiment":"neutral","sentiment_score":0.04894566524660948},{"text":"So it is still quite high.","start":1172.4551,"end":1174.0751,"sentiment":"neutral","sentiment_score":-0.047171429420510926},{"text":"It's that that benefit period that's really sort of keeping the the premiums higher there.","start":1174.2151,"end":1179.275,"sentiment":"neutral","sentiment_score":0.029173060754934945},{"text":"Yeah.","start":1181.015,"end":1181.415,"sentiment":"neutral","sentiment_score":0.07115106284618378},{"text":"If we then lose both of, say, 70% of 85,000, that gives us a monthly benefit of four so $4.09 $5.08 and 33¢.","start":1181.415,"end":1193.39,"sentiment":"neutral","sentiment_score":0.10727457465095953}],"sentiment":"neutral","sentiment_score":0.05455799991047228,"num_words":78,"start":1159.16,"end":1193.39},{"sentences":[{"text":"So $4.09 $5.08 is what they'll do.","start":1193.39,"end":1195.89,"sentiment":"neutral","sentiment_score":0.12785508164337703},{"text":"We keep a five year benefit period for you and reduce your life and take it to 750,000.","start":1197.39,"end":1203.1749,"sentiment":"neutral","sentiment_score":0.19673662674095896},{"text":"The premium is around about $4,637 before the discount is applied.","start":1203.1749,"end":1210.2949,"sentiment":"neutral","sentiment_score":0.16794213313948025},{"text":"So you you get a 15% discount inside super, so you end up paying a little bit less outside of the super side of things.","start":1210.2949,"end":1216.71,"sentiment":"neutral","sentiment_score":0.29770207941532134},{"text":"But that essentially, based on your current premium, is saving.","start":1217.19,"end":1220.49,"sentiment":"neutral","sentiment_score":0.30645757019519804}],"sentiment":"neutral","sentiment_score":0.23648923950296052,"num_words":71,"start":1193.39,"end":1220.49},{"sentences":[{"text":"Let's have a look here.","start":1221.51,"end":1222.63,"sentiment":"neutral","sentiment_score":0.16754518151283265},{"text":"So we're at 0163722.","start":1222.63,"end":1228.1499,"sentiment":"neutral","sentiment_score":0.22970490530133247},{"text":"It's saving you about $2,833 for the first year.","start":1228.1499,"end":1232.925,"sentiment":"positive","sentiment_score":0.4089886678589715},{"text":"It's important that I do note if you do decide to reduce your life, your TBD, and the income protection, reducing is no problem.","start":1233.545,"end":1240.425,"sentiment":"neutral","sentiment_score":0.0706969106492276},{"text":"It's very easy to do.","start":1240.425,"end":1241.785,"sentiment":"positive","sentiment_score":0.3928584083914757}],"sentiment":"neutral","sentiment_score":0.19358428589444845,"num_words":47,"start":1221.51,"end":1241.785},{"sentences":[{"text":"But it does mean if something happens and you wanna increase that policy then, you do have to go back to your new application.","start":1241.785,"end":1248.3301,"sentiment":"neutral","sentiment_score":-0.14324124405781427},{"text":"And if there are changes to your health, it could mean the policy gets more expensive.","start":1248.55,"end":1252.39,"sentiment":"negative","sentiment_score":-0.35827118903398514},{"text":"There could be loadings or exclusions applied.","start":1252.39,"end":1254.81,"sentiment":"neutral","sentiment_score":-0.2488617024251393},{"text":"Exclusions are essentially any preexisting condition they won't cover you for, so they exclude anything preexisting on the policy, and loadings tend to make the policy more expensive.","start":1255.51,"end":1267.0651,"sentiment":"neutral","sentiment_score":-0.26929362224681036},{"text":"So, like, for a type one diabetic, most poly most life policies have life of 50 or a 100% loading on them these days, and it just makes the policy 50 or a 100% more expensive for them.","start":1267.285,"end":1278.93,"sentiment":"neutral","sentiment_score":-0.26222391112854604}],"sentiment":"neutral","sentiment_score":-0.2514769101301126,"num_words":113,"start":1241.785,"end":1278.93},{"sentences":[{"text":"So it's just more about making sure you're aware of those sort of things.","start":1278.93,"end":1282.605,"sentiment":"neutral","sentiment_score":-0.10053652578166553},{"text":"But did you wanna look at reducing that, or did you want me to send the quotes through to you?","start":1282.605,"end":1286.925,"sentiment":"neutral","sentiment_score":-0.057859320845454934},{"text":"What is your thoughts, and do you have more questions for me?","start":1286.925,"end":1289.825,"sentiment":"neutral","sentiment_score":0.018620563360551994},{"text":"No.","start":1294.9401,"end":1295.18,"sentiment":"neutral","sentiment_score":-0.2193998098373413},{"text":"It's only five.","start":1295.18,"end":1296.22,"sentiment":"neutral","sentiment_score":-0.1975582242012024}],"sentiment":"neutral","sentiment_score":-0.06306650999933482,"num_words":50,"start":1278.93,"end":1296.22},{"sentences":[{"text":"So they do two years, five years, or age 65 for income protection, unfortunately.","start":1296.22,"end":1300.8,"sentiment":"neutral","sentiment_score":-0.19636952131986618},{"text":"Yeah.","start":1307.355,"end":1307.855,"sentiment":"neutral","sentiment_score":-0.03355018422007561},{"text":"Yeah.","start":1309.355,"end":1309.835,"sentiment":"neutral","sentiment_score":0.09532123804092409},{"text":"Absolutely.","start":1309.835,"end":1310.335,"sentiment":"neutral","sentiment_score":0.01484671887010336},{"text":"I'll generate all of those after the call for you and email them through, and you're welcome to have a bit of a look.","start":1310.635,"end":1316.0751,"sentiment":"neutral","sentiment_score":0.22148284750680128}],"sentiment":"neutral","sentiment_score":0.06446421498478186,"num_words":41,"start":1296.22,"end":1316.0751},{"sentences":[{"text":"Let me know if you do have additional questions.","start":1316.0751,"end":1317.995,"sentiment":"neutral","sentiment_score":0.13040541857481003},{"text":"I know it's a difficult thing to sort of to decide on the spot.","start":1317.995,"end":1322.6,"sentiment":"neutral","sentiment_score":-0.06730610917189292},{"text":"Don't wait.","start":1322.6,"end":1323.08,"sentiment":"neutral","sentiment_score":-0.09102259576320648},{"text":"You feel like you have to make the call right now.","start":1323.08,"end":1325.26,"sentiment":"neutral","sentiment_score":-0.07919974421912973},{"text":"But have a think about what you'd like to do, but that is probably one of the biggest things is as you do get older, your insurance premiums do become more expensive, which is can be a bit of a problem.","start":1325.5599,"end":1335.015,"sentiment":"neutral","sentiment_score":-0.12376264864351691}],"sentiment":"neutral","sentiment_score":-0.07657334718901615,"num_words":77,"start":1316.0751,"end":1335.015},{"sentences":[{"text":"And it does tend to have an effect on your super because you are paying those premiums out of your out of your super fund.","start":1335.155,"end":1341.495,"sentiment":"neutral","sentiment_score":-0.12329886168241501},{"text":"It does affect your returns and the long term growth of your super as well.","start":1341.9551,"end":1345.795,"sentiment":"neutral","sentiment_score":-0.026168353855609894},{"text":"So it's about having a level You're right.","start":1345.795,"end":1348.8099,"sentiment":"neutral","sentiment_score":-0.030254227807745337},{"text":"Sorry.","start":1348.8099,"end":1349.3099,"sentiment":"neutral","sentiment_score":-0.06886148452758789},{"text":"Yeah.","start":1349.5299,"end":1349.7699,"sentiment":"neutral","sentiment_score":-0.04432601481676102}],"sentiment":"neutral","sentiment_score":-0.0766043634340167,"num_words":50,"start":1335.155,"end":1349.7699},{"sentences":[{"text":"I know.","start":1349.7699,"end":1350.0099,"sentiment":"neutral","sentiment_score":-0.044337499886751175},{"text":"Just That's right.","start":1350.0099,"end":1360.25,"sentiment":"neutral","sentiment_score":-0.004310115861395995},{"text":"So with the income protection policy, you have a waiting period, which is thirty days.","start":1360.25,"end":1364.5751,"sentiment":"neutral","sentiment_score":0.01949289267261823},{"text":"So it just means that you have to be off work for thirty days prior to making a claim.","start":1364.5751,"end":1368.8351,"sentiment":"neutral","sentiment_score":-0.007933536299357289},{"text":"That benefit period does not kick in until you actually make a claim.","start":1369.135,"end":1373.135,"sentiment":"neutral","sentiment_score":0.022594517956559475}],"sentiment":"neutral","sentiment_score":0.006418838201520534,"num_words":52,"start":1349.7699,"end":1373.135},{"sentences":[{"text":"So it's not saying that you have income protection for the next five years and then you can't claim on it.","start":1373.135,"end":1377.9401,"sentiment":"neutral","sentiment_score":-0.03511661920873892},{"text":"It's about if you're on a claim, you can be on a claim for up to five years.","start":1378.0,"end":1382.18,"sentiment":"neutral","sentiment_score":0.025597537971205182},{"text":"After the five years have been on claim, the claim stops.","start":1382.24,"end":1385.12,"sentiment":"neutral","sentiment_score":0.012589078565890139},{"text":"But the claim doesn't start until you meet that waiting period.","start":1385.12,"end":1388.5951,"sentiment":"neutral","sentiment_score":-0.009134371722625061},{"text":"So if you have this policy for the next ten years or fifteen years and then you make a claim, it's all still completely valid.","start":1388.5951,"end":1395.895,"sentiment":"neutral","sentiment_score":0.08800415337085724}],"sentiment":"neutral","sentiment_score":0.022807119647040963,"num_words":86,"start":1373.135,"end":1395.895},{"sentences":[{"text":"Yeah.","start":1396.035,"end":1396.275,"sentiment":"neutral","sentiment_score":0.08711928874254227},{"text":"Does that make sense?","start":1396.275,"end":1397.3351,"sentiment":"neutral","sentiment_score":0.09087417833507061},{"text":"Yeah.","start":1397.555,"end":1398.055,"sentiment":"neutral","sentiment_score":0.0745222270488739},{"text":"Beautiful.","start":1399.8099,"end":1400.3099,"sentiment":"neutral","sentiment_score":0.33058270812034607},{"text":"Fantastic.","start":1400.7699,"end":1401.2699,"sentiment":"positive","sentiment_score":0.7827451229095459}],"sentiment":"neutral","sentiment_score":0.20480825752019882,"num_words":8,"start":1396.035,"end":1401.2699},{"sentences":[{"text":"Well, I'll generate those couple of quotes and email them through to you after the call, Brooke.","start":1401.33,"end":1404.69,"sentiment":"neutral","sentiment_score":0.2295003989163567},{"text":"If you have questions, you're welcome to let me know.","start":1404.69,"end":1407.0299,"sentiment":"neutral","sentiment_score":0.22925633788108826},{"text":"If you can decide what you wanna do, I can update the advice.","start":1407.25,"end":1411.4299,"sentiment":"neutral","sentiment_score":0.09884224803401874},{"text":"I've also just been having a bit of look prior to the call at your investments as well, and I have noted that one of them has been slightly underperforming.","start":1411.7051,"end":1417.9651,"sentiment":"neutral","sentiment_score":-0.10583439657930285},{"text":"So I would like to maybe remove that from your portfolio as well.","start":1418.185,"end":1421.645,"sentiment":"neutral","sentiment_score":-0.14559125284162852}],"sentiment":"neutral","sentiment_score":0.02905182169290282,"num_words":83,"start":1401.33,"end":1421.645},{"sentences":[{"text":"You did have originally, the Ben along Australian Equities investment within your portfolio there, which isn't a bad investment in any way.","start":1422.185,"end":1429.36,"sentiment":"neutral","sentiment_score":0.009788299995389852},{"text":"It was originally placed in your portfolio to be an actively managed fund.","start":1429.36,"end":1433.12,"sentiment":"neutral","sentiment_score":0.028404117490236577},{"text":"So the investment manager of that fund is trying to buy and sell, you know sorry, pick investments to make sure they're performing well, outperform against the market or the index that they're trying to track against.","start":1433.12,"end":1444.915,"sentiment":"neutral","sentiment_score":0.02841834117331215},{"text":"And they're trying to make money, by doing, yeah, more active management style in that fund.","start":1445.375,"end":1450.755,"sentiment":"neutral","sentiment_score":0.013348230510018766},{"text":"They haven't unfortunately been able to do that.","start":1451.055,"end":1453.215,"sentiment":"negative","sentiment_score":-0.351924492046237}],"sentiment":"neutral","sentiment_score":-0.010059890599222854,"num_words":96,"start":1422.185,"end":1453.215},{"sentences":[{"text":"I've been along have been a bit up and down over the past few years.","start":1453.215,"end":1456.095,"sentiment":"neutral","sentiment_score":-0.3150219659010569},{"text":"They've had some really good returns and some not so good years.","start":1456.095,"end":1459.075,"sentiment":"neutral","sentiment_score":-0.171860009431839},{"text":"Unfortunately, in the last couple of months, some of the underlying investments within their portfolio have been underperforming, which has caused them to underperform.","start":1460.0399,"end":1467.32,"sentiment":"negative","sentiment_score":-0.42566200842459995},{"text":"They haven't been able to get out of them and have had some of their underlying investments have had some legal issues as well.","start":1467.32,"end":1472.9199,"sentiment":"negative","sentiment_score":-0.39440009867151576},{"text":"So I would like to look at moving you out of that investment.","start":1472.9199,"end":1476.2351,"sentiment":"neutral","sentiment_score":-0.33066327296770537}],"sentiment":"negative","sentiment_score":-0.3496336672793735,"num_words":88,"start":1453.215,"end":1476.2351},{"sentences":[{"text":"I feel like it's had enough time to try and build the returns, and it's not longer doing that.","start":1476.2351,"end":1481.1151,"sentiment":"negative","sentiment_score":-0.38254019225898545},{"text":"So it's time to give it a flick and find something a little bit better for you.","start":1481.1151,"end":1485.1151,"sentiment":"neutral","sentiment_score":-0.04939690582892474},{"text":"Are you comfortable with me looking at something like that for you?","start":1485.1151,"end":1488.175,"sentiment":"neutral","sentiment_score":0.016896885509292286},{"text":"Yeah.","start":1489.84,"end":1490.16,"sentiment":"neutral","sentiment_score":0.19957777857780457},{"text":"Beautiful.","start":1490.16,"end":1490.66,"sentiment":"positive","sentiment_score":0.4563490152359009}],"sentiment":"neutral","sentiment_score":-0.1449864326417446,"num_words":50,"start":1476.2351,"end":1490.66},{"sentences":[{"text":"Now because looking at your age and stage, now you are quite young.","start":1490.72,"end":1493.84,"sentiment":"neutral","sentiment_score":-0.019050774952540032},{"text":"You've got a lot of time ahead of you before real estate you can access super.","start":1493.84,"end":1497.46,"sentiment":"neutral","sentiment_score":-0.08919610595330596},{"text":"You can't access super under the current legislation until the age of 60 there.","start":1497.6,"end":1502.34,"sentiment":"neutral","sentiment_score":-0.19242469647100993},{"text":"Do you feel like you would want me to put something in its place that is more in that active management style, or would you like to look at something a bit cheaper as an investment that might save you on fees, but that might be a bit more diversified and might give you a bit more of a passively managed exposure.","start":1503.585,"end":1521.3899,"sentiment":"neutral","sentiment_score":0.2513323349337424},{"text":"Do you know which way you'd like me to look, or did you have more questions about that?","start":1521.7699,"end":1526.19,"sentiment":"neutral","sentiment_score":0.06761660457899173}],"sentiment":"neutral","sentiment_score":0.10106471648848639,"num_words":123,"start":1490.72,"end":1526.19},{"sentences":[{"text":"Yeah.","start":1530.745,"end":1531.145,"sentiment":"neutral","sentiment_score":0.08901077508926392},{"text":"Yeah.","start":1531.145,"end":1531.465,"sentiment":"neutral","sentiment_score":0.15062418580055237},{"text":"Definitely.","start":1531.465,"end":1531.945,"sentiment":"neutral","sentiment_score":0.2251482903957367},{"text":"Did you want me to look at things yeah.","start":1531.945,"end":1534.1849,"sentiment":"neutral","sentiment_score":-0.06394697953429487},{"text":"Did you want me to look at something passive for the moment, and then we just reevaluate it next time you review?","start":1534.1849,"end":1539.645,"sentiment":"neutral","sentiment_score":-0.011607440950518305}],"sentiment":"neutral","sentiment_score":-0.01076774310101481,"num_words":34,"start":1530.745,"end":1539.645},{"sentences":[{"text":"Do you was that yeah.","start":1544.5701,"end":1545.6901,"sentiment":"neutral","sentiment_score":0.007594689726829529},{"text":"It's up to you.","start":1545.6901,"end":1546.25,"sentiment":"neutral","sentiment_score":0.08520301152020693},{"text":"So if you look at more of a passively managed investment, essentially, that's in more buying into a certain index fund.","start":1546.25,"end":1553.77,"sentiment":"neutral","sentiment_score":0.09433531903085254},{"text":"It can provide greater diversification.","start":1553.77,"end":1555.4701,"sentiment":"neutral","sentiment_score":0.22957378923892974},{"text":"A passively managed fund is where the investment manager is just tracking the index.","start":1556.645,"end":1560.885,"sentiment":"neutral","sentiment_score":0.11559472286275455}],"sentiment":"neutral","sentiment_score":0.10461269919665492,"num_words":49,"start":1544.5701,"end":1560.885},{"sentences":[{"text":"So as an example, you have the S and P 500 in your investment portfolio, and that's a passively managed fund because the investment manager is just tracking the S and P 500.","start":1560.885,"end":1571.3049,"sentiment":"neutral","sentiment_score":0.1398713059271827},{"text":"Whenever there's changes within the S and P 500 index, there's changes within the S and P 500 investment that you're in as well.","start":1571.8999,"end":1579.12,"sentiment":"neutral","sentiment_score":0.13485714715595046},{"text":"They're not trying to outperform against the market.","start":1579.4199,"end":1581.58,"sentiment":"neutral","sentiment_score":0.15088837780058384},{"text":"They're just participating in the market.","start":1581.58,"end":1583.5199,"sentiment":"positive","sentiment_score":0.4227376878261566},{"text":"More often than not, you can actually get greater returns by doing that because the investment manager is not trying to pick the top and the bottom.","start":1583.975,"end":1590.635,"sentiment":"positive","sentiment_score":0.353784438084673}],"sentiment":"neutral","sentiment_score":0.2157963020917104,"num_words":98,"start":1560.885,"end":1590.635},{"sentences":[{"text":"They're not trying to value companies and buy in at certain times.","start":1590.6951,"end":1594.795,"sentiment":"neutral","sentiment_score":0.04492303356528282},{"text":"Therefore, they are actually taking a little bit less risk in the market.","start":1595.015,"end":1597.91,"sentiment":"neutral","sentiment_score":0.13597853309833086},{"text":"They're staying invested throughout the downtime.","start":1597.9701,"end":1599.9901,"sentiment":"neutral","sentiment_score":0.22828168173631033},{"text":"They just keep pulling money in whenever they need to, and they're not trying to pick the top and the bottom of the market.","start":1600.29,"end":1606.7101,"sentiment":"neutral","sentiment_score":0.09865323112656672},{"text":"Active managers are.","start":1607.25,"end":1608.4501,"sentiment":"neutral","sentiment_score":0.06980380167563756}],"sentiment":"neutral","sentiment_score":0.10782028233696675,"num_words":58,"start":1590.6951,"end":1608.4501},{"sentences":[{"text":"They're trying to pick the top and the bottoms.","start":1608.4501,"end":1610.29,"sentiment":"neutral","sentiment_score":0.04184008596671952},{"text":"They don't always do that.","start":1610.29,"end":1611.5701,"sentiment":"neutral","sentiment_score":-0.18646760880947114},{"text":"No active manager has ever had a track record of doing it perfectly every time.","start":1611.5701,"end":1616.505,"sentiment":"neutral","sentiment_score":-0.008637446165084838},{"text":"They're valuing companies and trying to find when they're undervalued and buying at the right time, and they can take a bit more risk for doing that.","start":1616.505,"end":1624.8251,"sentiment":"neutral","sentiment_score":-0.09945775596080003},{"text":"With a investment manager that is more actively managed, you pay a bit more in fees, so the management fee can be a little bit higher.","start":1624.8251,"end":1633.23,"sentiment":"neutral","sentiment_score":0.02798473147245554}],"sentiment":"neutral","sentiment_score":-0.032232870188791576,"num_words":82,"start":1608.4501,"end":1633.23},{"sentences":[{"text":"Whereas having more of a passively managed fund, you actually are saving it.","start":1633.2899,"end":1637.61,"sentiment":"neutral","sentiment_score":0.1432514233657947},{"text":"They're not doing as much trading.","start":1637.61,"end":1639.455,"sentiment":"neutral","sentiment_score":-0.029203953842322033},{"text":"They're not trying to outperform, and they're not doing they're still working as hard, but they're not doing as much buying and selling.","start":1639.455,"end":1646.015,"sentiment":"neutral","sentiment_score":-0.08443474996349086},{"text":"They're just, you know, not trying to outperform against the market and beat the market and try to get greater returns.","start":1646.015,"end":1651.71,"sentiment":"neutral","sentiment_score":0.1503699269323122},{"text":"So it can actually be a little bit more cost effective and cheaper for you as well.","start":1651.71,"end":1655.39,"sentiment":"positive","sentiment_score":0.5259587449185988}],"sentiment":"neutral","sentiment_score":0.14805140825919808,"num_words":80,"start":1633.2899,"end":1655.39},{"sentences":[{"text":"Does that make sense?","start":1655.39,"end":1656.53,"sentiment":"neutral","sentiment_score":0.17096737772226334},{"text":"Yeah.","start":1658.11,"end":1658.61,"sentiment":"neutral","sentiment_score":0.05394525080919266},{"text":"Do the second one or the first one?","start":1658.99,"end":1661.09,"sentiment":"neutral","sentiment_score":0.025775812100619078},{"text":"The first one?","start":1661.79,"end":1662.59,"sentiment":"neutral","sentiment_score":0.01917759111771981},{"text":"Yeah.","start":1662.59,"end":1662.83,"sentiment":"neutral","sentiment_score":0.09006020426750183}],"sentiment":"neutral","sentiment_score":0.06421260212493293,"num_words":17,"start":1655.39,"end":1662.83},{"sentences":[{"text":"That's okay.","start":1662.83,"end":1663.65,"sentiment":"neutral","sentiment_score":0.1810939833521843},{"text":"One of the things I am looking at as well as with Bannalong, you have that investment manager holds generally between 15 to 20 different investors depending on what they're holding.","start":1663.8949,"end":1673.195,"sentiment":"neutral","sentiment_score":0.13169641804791266},{"text":"With some of the passively managed funds, you can have the investments.","start":1673.575,"end":1677.575,"sentiment":"neutral","sentiment_score":0.21748951946695647},{"text":"The underlying investments can be a lot greater, like 200 odd.","start":1677.575,"end":1680.77,"sentiment":"neutral","sentiment_score":0.26511878858913074},{"text":"And having more investments in a fund helps to diversify your portfolio, which can help to lower the risk side of things.","start":1680.99,"end":1687.41,"sentiment":"positive","sentiment_score":0.3836169771172784}],"sentiment":"neutral","sentiment_score":0.23603245295966283,"num_words":78,"start":1662.83,"end":1687.41},{"sentences":[{"text":"So if you looked at something a bit more passive, like saving fees, help to cover your insurance premiums, provide a bit more growth there if you're comfortable to, and also help to lower the risk of your portfolio by providing greater diversification.","start":1687.79,"end":1699.665,"sentiment":"positive","sentiment_score":0.3416426008523897},{"text":"Does that make sense?","start":1700.045,"end":1701.1051,"sentiment":"neutral","sentiment_score":0.20953775942325592},{"text":"Yeah.","start":1702.765,"end":1703.0851,"sentiment":"neutral","sentiment_score":0.13156357407569885},{"text":"Did you want me to look at that for you?","start":1703.0851,"end":1705.025,"sentiment":"neutral","sentiment_score":0.08841687962412834},{"text":"Yeah.","start":1706.765,"end":1707.165,"sentiment":"neutral","sentiment_score":0.2600639760494232}],"sentiment":"neutral","sentiment_score":0.28482337662224044,"num_words":59,"start":1687.79,"end":1707.165},{"sentences":[{"text":"That's okay.","start":1707.165,"end":1707.885,"sentiment":"neutral","sentiment_score":0.2911432385444641},{"text":"I have a a couple of really good options that I've been able to use to put in place there, but we don't want anything more underperforming for you.","start":1707.885,"end":1713.9,"sentiment":"neutral","sentiment_score":0.2531974356749962},{"text":"So we'll look at moving that out, and update the advice for you.","start":1713.9,"end":1717.5,"sentiment":"neutral","sentiment_score":0.19033514421719772},{"text":"I'll also send through those quotes after the call so you can let me know what you're comfortable with when it comes to the insurance side of things, and I can do one advice piece for you.","start":1717.5,"end":1726.865,"sentiment":"neutral","sentiment_score":0.2058147524256964},{"text":"Looking at reducing insurances, looking at replacing the investment for you, put all of that together over the next sort of five years, and show you how that, what kind of an effect that has.","start":1727.085,"end":1738.0299,"sentiment":"positive","sentiment_score":0.36135202731404986}],"sentiment":"neutral","sentiment_score":0.2643261705364647,"num_words":116,"start":1707.165,"end":1738.0299},{"sentences":[{"text":"Does that sound alright?","start":1738.0299,"end":1739.09,"sentiment":"neutral","sentiment_score":0.2045869156718254},{"text":"Fantastic.","start":1740.99,"end":1741.49,"sentiment":"positive","sentiment_score":0.8862054347991943},{"text":"Excellent.","start":1741.95,"end":1742.45,"sentiment":"positive","sentiment_score":0.8211961984634399},{"text":"Now, Bruce, the other thing is you also do you also do do your non concessional contributions and claim your notice of intent at the end of the year.","start":1742.83,"end":1751.8899,"sentiment":"neutral","sentiment_score":0.15453212836693073},{"text":"I believe I have a note here that you were emailed the notice of intent.","start":1752.515,"end":1756.695,"sentiment":"neutral","sentiment_score":0.14786064277092617}],"sentiment":"neutral","sentiment_score":0.1845018132030964,"num_words":50,"start":1738.0299,"end":1756.695},{"sentences":[{"text":"I just wanna make sure that that is all good for you to sign and have applied.","start":1756.755,"end":1761.6549,"sentiment":"neutral","sentiment_score":0.20415973225060632},{"text":"You.","start":1763.075,"end":1763.575,"sentiment":"neutral","sentiment_score":0.02341262251138687},{"text":"No.","start":1781.705,"end":1781.945,"sentiment":"neutral","sentiment_score":-0.10841795802116394},{"text":"That's okay.","start":1781.945,"end":1782.6649,"sentiment":"neutral","sentiment_score":-0.06596896797418594},{"text":"Net loss has been a little bit slow.","start":1782.6649,"end":1784.265,"sentiment":"negative","sentiment_score":-0.44281643629074097}],"sentiment":"neutral","sentiment_score":-0.009957217707716185,"num_words":29,"start":1756.755,"end":1784.265},{"sentences":[{"text":"It's not actually opening the portal for me at the moment.","start":1784.265,"end":1786.9249,"sentiment":"neutral","sentiment_score":-0.23183496973731302},{"text":"But you make those regular contributions on a weekly basis at the moment still, don't you?","start":1787.225,"end":1792.445,"sentiment":"neutral","sentiment_score":0.0108589599840343},{"text":"Yes.","start":1805.045,"end":1805.545,"sentiment":"neutral","sentiment_score":0.07450105249881744},{"text":"Mhmm.","start":1809.205,"end":1809.705,"sentiment":"neutral","sentiment_score":0.020362328737974167},{"text":"That is the best way because your insurance premiums got to come out partway through the financial year.","start":1811.525,"end":1816.405,"sentiment":"neutral","sentiment_score":0.14054175259338486}],"sentiment":"neutral","sentiment_score":0.005280289798974991,"num_words":47,"start":1784.265,"end":1816.405},{"sentences":[{"text":"So to get the best of that benefit claiming the NOI before your insurance premiums come out, and then another one doing a an adjustment at the end of the financial year does allow you to claim a much greater portion.","start":1816.405,"end":1827.9501,"sentiment":"neutral","sentiment_score":0.20038507896952512},{"text":"Absolutely.","start":1828.01,"end":1828.51,"sentiment":"neutral","sentiment_score":0.2999104857444763},{"text":"Yeah.","start":1829.05,"end":1829.55,"sentiment":"neutral","sentiment_score":0.13474631309509277},{"text":"Yeah.","start":1837.1449,"end":1837.5449,"sentiment":"neutral","sentiment_score":0.04200281947851181},{"text":"You could abs yeah.","start":1837.5449,"end":1839.725,"sentiment":"neutral","sentiment_score":0.0061510102823376656}],"sentiment":"neutral","sentiment_score":0.18160524785829088,"num_words":48,"start":1816.405,"end":1839.725},{"sentences":[{"text":"You no.","start":1840.1849,"end":1841.465,"sentiment":"neutral","sentiment_score":0.05642718821763992},{"text":"You can absolutely do it that way.","start":1841.465,"end":1843.6449,"sentiment":"positive","sentiment_score":0.4187103084155491},{"text":"The main sort of benefit to doing it on a regular basis over the course of the year is that you are dollar cost averaging.","start":1843.7849,"end":1849.62,"sentiment":"neutral","sentiment_score":0.25436528980731965},{"text":"So putting in a lump sum at the end of the year boosts your super the the amount goes into your super fund at one time, and then it's invested in the market at one time.","start":1850.16,"end":1858.0801,"sentiment":"positive","sentiment_score":0.46163029140896267},{"text":"So if you're putting, say, 10 or 20 or 30% sorry, thousand in at one time, that 30,000 is invested into the market.","start":1858.0801,"end":1865.165,"sentiment":"neutral","sentiment_score":0.15148862532299498}],"sentiment":"neutral","sentiment_score":0.3172676091793404,"num_words":93,"start":1840.1849,"end":1865.165},{"sentences":[{"text":"If the market then takes a bit of a dip the next day, that money is still invested, and then your super fund goes down, And then that can have an effect on the return.","start":1865.705,"end":1874.5499,"sentiment":"neutral","sentiment_score":0.09610950105956623},{"text":"Whereas if you are putting smaller amounts in over a regular period of time, you actually end up buying in the investments and holding more of the investments and taking a greater advantage of the market reactions.","start":1875.4099,"end":1886.865,"sentiment":"positive","sentiment_score":0.5471036265025268},{"text":"It's called dollar cost averaging.","start":1886.865,"end":1888.485,"sentiment":"positive","sentiment_score":0.5483652532100678},{"text":"It helps to even out returns, even at the buy price of your investments, and can have a greater effect on your returns over the course of the year.","start":1888.865,"end":1897.125,"sentiment":"positive","sentiment_score":0.6797258874465679},{"text":"This the down sort of side is that because your insurance premiums come out, how your contributions go in I'm not sure if your account's explained or not.","start":1897.41,"end":1905.9701,"sentiment":"neutral","sentiment_score":0.0006488906219601631}],"sentiment":"positive","sentiment_score":0.34387098997831345,"num_words":134,"start":1865.705,"end":1905.9701},{"sentences":[{"text":"You've got two portions of your super.","start":1905.9701,"end":1907.65,"sentiment":"neutral","sentiment_score":0.08026910945773125},{"text":"You have a taxable component and a tax free component.","start":1907.65,"end":1910.55,"sentiment":"neutral","sentiment_score":0.05818262342363596},{"text":"When you make those contributions, they go into your tax free component, and any employer contributions are in the taxable side of things.","start":1911.015,"end":1918.4551,"sentiment":"neutral","sentiment_score":0.07202026183190553},{"text":"Whenever your insurance premiums come out of your account, they come out proportionate.","start":1918.4551,"end":1923.515,"sentiment":"neutral","sentiment_score":0.09177014804803409},{"text":"So if you had, you know, 20% tax free and the rest taxable, it would come out 80% taxable, 20% tax free, and that is how your insurance premiums are paid.","start":1923.655,"end":1934.2899,"sentiment":"neutral","sentiment_score":0.18292322057870128}],"sentiment":"neutral","sentiment_score":0.11504533077545818,"num_words":84,"start":1905.9701,"end":1934.2899},{"sentences":[{"text":"And because it comes out that way, it's not seen as a withdrawal, but it is seen as lessening how much you have available to claim.","start":1934.4299,"end":1941.7849,"sentiment":"neutral","sentiment_score":0.12117670562404853},{"text":"So your insurance premiums do have that effect.","start":1941.7849,"end":1944.6849,"sentiment":"positive","sentiment_score":0.40719133615493774},{"text":"Realistically, being able to put that money in on a regular basis has a greater effect to your super.","start":1945.1449,"end":1950.5249,"sentiment":"positive","sentiment_score":0.6873978627355475},{"text":"I would just wanna, as your accountant said, make sure we are claiming that and and notice of intent on a regular basis before your insurance premiums and then after those again.","start":1951.3049,"end":1961.46,"sentiment":"neutral","sentiment_score":0.23778557823970914},{"text":"But it's also up to you on what's comfortable for you because you're busy.","start":1962.24,"end":1965.0399,"sentiment":"neutral","sentiment_score":0.20063738099166326}],"sentiment":"neutral","sentiment_score":0.30188632590903175,"num_words":99,"start":1934.4299,"end":1965.0399},{"sentences":[{"text":"You've got a business.","start":1965.0399,"end":1966.0,"sentiment":"neutral","sentiment_score":0.11408719792962074},{"text":"It's growing.","start":1966.0,"end":1966.82,"sentiment":"neutral","sentiment_score":0.11410321295261383},{"text":"If you're more comfortable holding off and doing it at the end of the financial year, that's absolutely fine.","start":1967.445,"end":1972.585,"sentiment":"neutral","sentiment_score":0.21725821416628988},{"text":"What's more comfortable for you?","start":1973.205,"end":1974.8049,"sentiment":"positive","sentiment_score":0.45177958607673646},{"text":"How do you sort of find putting the contributions in, and what would you prefer?","start":1974.8049,"end":1978.1849,"sentiment":"neutral","sentiment_score":0.19812209904193878}],"sentiment":"neutral","sentiment_score":0.2231820156176885,"num_words":45,"start":1965.0399,"end":1978.1849},{"sentences":[{"text":"Yep.","start":1983.94,"end":1984.4199,"sentiment":"neutral","sentiment_score":0.18126848340034485},{"text":"Yep.","start":1984.4199,"end":1984.9199,"sentiment":"neutral","sentiment_score":0.20519082248210907},{"text":"Yeah.","start":1990.98,"end":1991.46,"sentiment":"neutral","sentiment_score":0.17246803641319275},{"text":"Yeah.","start":1991.46,"end":1991.78,"sentiment":"neutral","sentiment_score":0.2530837655067444},{"text":"Absolutely.","start":1991.78,"end":1992.28,"sentiment":"positive","sentiment_score":0.4233624041080475}],"sentiment":"neutral","sentiment_score":0.2470747023820877,"num_words":5,"start":1983.94,"end":1992.28},{"sentences":[{"text":"So I'm just gonna have a quick look at the certificate of currency here for you because I can tell you when your insurance premiums come out.","start":1992.98,"end":2000.255,"sentiment":"neutral","sentiment_score":0.15626857816069215},{"text":"Let's have a look.","start":2002.1549,"end":2003.0549,"sentiment":"neutral","sentiment_score":0.07327222637832165},{"text":"So your anniversary date on this one is around about December.","start":2004.475,"end":2010.4099,"sentiment":"neutral","sentiment_score":0.047703861851583824},{"text":"Yeah.","start":2010.7899,"end":2011.19,"sentiment":"neutral","sentiment_score":0.0865807831287384},{"text":"So if you were to do that notice of intent so it's about the December 10 there.","start":2011.19,"end":2014.95,"sentiment":"neutral","sentiment_score":0.05160854888312957}],"sentiment":"neutral","sentiment_score":0.1000168185060223,"num_words":60,"start":1992.98,"end":2014.95},{"sentences":[{"text":"So if you were to do that notice of intent, it's the same as you have been, you know, at calendar year, claiming it probably a week out from when your insurance, like, make sure your last payment goes in just before that.","start":2014.95,"end":2027.535,"sentiment":"neutral","sentiment_score":0.0610337991180808},{"text":"Claim a notice of intent for everything you have claimed, then your insurance premium comes out on the tenth, and then we make the next payment thereafter.","start":2027.595,"end":2035.615,"sentiment":"neutral","sentiment_score":0.09942522258670242},{"text":"And then at the end of the financial year, we just do a variation.","start":2035.675,"end":2038.655,"sentiment":"neutral","sentiment_score":0.11966006351368767},{"text":"And it's easy to do.","start":2039.9601,"end":2041.0801,"sentiment":"positive","sentiment_score":0.5882053077220917},{"text":"We can actually set it up to do it that way for you to make it nice and easy.","start":2041.0801,"end":2044.4401,"sentiment":"positive","sentiment_score":0.5950319672885694}],"sentiment":"neutral","sentiment_score":0.19658156646484579,"num_words":108,"start":2014.95,"end":2044.4401},{"sentences":[{"text":"I'll just get the team to give you a call in December, confirm when your next last contribution will go in before Christmas.","start":2044.4401,"end":2050.7,"sentiment":"neutral","sentiment_score":0.19212359643500784},{"text":"We claim the notice of intent, get you to sign it, send it back to us.","start":2051.0,"end":2053.875,"sentiment":"neutral","sentiment_score":0.15036558220162988},{"text":"We'll send it to Netwealth to have it claimed.","start":2053.875,"end":2055.975,"sentiment":"neutral","sentiment_score":0.15978648099634382},{"text":"And then end of financial year, we can help you to sign the last one there and just do a quick variation.","start":2056.435,"end":2061.2551,"sentiment":"neutral","sentiment_score":0.18897003782066432},{"text":"Did you want me to organize that for you?","start":2061.3152,"end":2063.495,"sentiment":"neutral","sentiment_score":0.1703121629026201}],"sentiment":"neutral","sentiment_score":0.17661924886552594,"num_words":79,"start":2044.4401,"end":2063.495},{"sentences":[{"text":"Yeah.","start":2064.69,"end":2065.19,"sentiment":"positive","sentiment_score":0.6550319194793701},{"text":"Beautiful.","start":2065.25,"end":2065.75,"sentiment":"positive","sentiment_score":0.8005638122558594},{"text":"You do get the best benefit by doing it that way, but it's also gotta work in with your life too because you're busy.","start":2066.05,"end":2071.01,"sentiment":"positive","sentiment_score":0.4323637156436841},{"text":"You've got a lot going on.","start":2071.01,"end":2072.39,"sentiment":"neutral","sentiment_score":0.018663110832373302},{"text":"Beautiful.","start":2073.97,"end":2074.45,"sentiment":"positive","sentiment_score":0.6143290996551514}],"sentiment":"positive","sentiment_score":0.380564626419183,"num_words":33,"start":2064.69,"end":2074.45},{"sentences":[{"text":"Well, I'll do that.","start":2074.45,"end":2075.41,"sentiment":"neutral","sentiment_score":0.28773847967386246},{"text":"And you're still comfortable with the $200 per week.","start":2075.65,"end":2078.29,"sentiment":"neutral","sentiment_score":0.2535485294130113},{"text":"You're not planning to change or alter that at the moment?","start":2078.29,"end":2082.165,"sentiment":"neutral","sentiment_score":-0.1240854138000445},{"text":"Yep.","start":2083.145,"end":2083.645,"sentiment":"neutral","sentiment_score":0.010051618330180643},{"text":"Yeah.","start":2088.985,"end":2089.465,"sentiment":"neutral","sentiment_score":0.11328910291194916}],"sentiment":"neutral","sentiment_score":0.0842804558790074,"num_words":26,"start":2074.45,"end":2089.465},{"sentences":[{"text":"Absolutely.","start":2089.465,"end":2089.965,"sentiment":"neutral","sentiment_score":0.2906060218811035},{"text":"Absolutely.","start":2090.585,"end":2091.085,"sentiment":"neutral","sentiment_score":0.2223762422800064},{"text":"We all pay way too much in tax, don't we?","start":2091.385,"end":2093.64,"sentiment":"neutral","sentiment_score":0.0785493440926075},{"text":"Beautiful.","start":2096.1199,"end":2096.6199,"sentiment":"positive","sentiment_score":0.6243604421615601},{"text":"All good.","start":2096.68,"end":2097.16,"sentiment":"positive","sentiment_score":0.6030735075473785}],"sentiment":"neutral","sentiment_score":0.2085988774895668,"num_words":15,"start":2089.465,"end":2097.16},{"sentences":[{"text":"Well, I'll definitely organize that for you.","start":2097.16,"end":2099.0,"sentiment":"positive","sentiment_score":0.44346062200410025},{"text":"I'll add that into the advice to reflect.","start":2099.0,"end":2100.94,"sentiment":"neutral","sentiment_score":0.3121560961008072},{"text":"I just wanted to update a few additional details here for you just to sort of see what else might have changed over the course of the year.","start":2101.3198,"end":2107.42,"sentiment":"neutral","sentiment_score":0.11903005625520434},{"text":"Now having a look, we've confirmed your income.","start":2108.0151,"end":2110.735,"sentiment":"neutral","sentiment_score":0.15243018604815006},{"text":"Everything's going well with the cake shop there.","start":2110.735,"end":2113.215,"sentiment":"positive","sentiment_score":0.4411931000649929}],"sentiment":"neutral","sentiment_score":0.2319203557099326,"num_words":59,"start":2097.16,"end":2113.215},{"sentences":[{"text":"You've got good growth.","start":2113.215,"end":2114.5151,"sentiment":"positive","sentiment_score":0.5005752816796303},{"text":"Assets and liabilities, now we've got your update of mortgage amount.","start":2114.975,"end":2118.2751,"sentiment":"neutral","sentiment_score":0.11079241877252405},{"text":"The amount of the property on your main primary residence, you have that valued about 900,000 last year.","start":2118.415,"end":2124.35,"sentiment":"neutral","sentiment_score":0.06874630351861317},{"text":"What kind of value do you put on that now?","start":2124.35,"end":2126.85,"sentiment":"neutral","sentiment_score":0.01777441781014204},{"text":"Yep.","start":2130.1902,"end":2130.6902,"sentiment":"neutral","sentiment_score":0.03361617028713226}],"sentiment":"neutral","sentiment_score":0.10613208056681535,"num_words":44,"start":2113.215,"end":2130.6902},{"sentences":[{"text":"Yep.","start":2135.2449,"end":2135.7449,"sentiment":"neutral","sentiment_score":0.07498549669981003},{"text":"Yes.","start":2143.9648,"end":2144.4648,"sentiment":"neutral","sentiment_score":0.030769985169172287},{"text":"Yeah.","start":2154.2202,"end":2154.7202,"sentiment":"neutral","sentiment_score":-0.0744679719209671},{"text":"Yeah.","start":2160.155,"end":2160.655,"sentiment":"neutral","sentiment_score":-0.018197890371084213},{"text":"Yep.","start":2161.835,"end":2162.335,"sentiment":"neutral","sentiment_score":-0.0028905465733259916}],"sentiment":"neutral","sentiment_score":0.0020398146007210016,"num_words":5,"start":2135.2449,"end":2162.335},{"sentences":[{"text":"Beautiful.","start":2162.715,"end":2163.215,"sentiment":"positive","sentiment_score":0.36930590867996216},{"text":"Excellent.","start":2163.835,"end":2164.335,"sentiment":"positive","sentiment_score":0.4052070379257202},{"text":"And we also had two cars down here.","start":2165.035,"end":2167.275,"sentiment":"neutral","sentiment_score":0.08885630499571562},{"text":"I apologize.","start":2167.275,"end":2167.855,"sentiment":"neutral","sentiment_score":-0.03450687415897846},{"text":"I don't have a a note of which car is which, but the first one I had valued at 50,000.","start":2167.915,"end":2172.575,"sentiment":"neutral","sentiment_score":-0.016939604189246893}],"sentiment":"neutral","sentiment_score":0.03367367357714102,"num_words":32,"start":2162.715,"end":2172.575},{"sentences":[{"text":"Which car would you have valued valued at 50,000 last year?","start":2173.1301,"end":2176.6702,"sentiment":"neutral","sentiment_score":0.005373052490705793},{"text":"Beautiful.","start":2178.8901,"end":2179.29,"sentiment":"neutral","sentiment_score":0.030482156202197075},{"text":"I'm just gonna put here a m u x next to it so I can tell which one's which.","start":2179.29,"end":2182.99,"sentiment":"neutral","sentiment_score":0.042187277619775976},{"text":"And that vehicle's owned outright as well?","start":2183.21,"end":2185.3901,"sentiment":"neutral","sentiment_score":0.026135130918451717},{"text":"Fantastic.","start":2187.035,"end":2187.535,"sentiment":"positive","sentiment_score":0.7183209657669067}],"sentiment":"neutral","sentiment_score":0.045959253604404435,"num_words":39,"start":2173.1301,"end":2187.535},{"sentences":[{"text":"And then I've got a secondary vehicle here with an asset value of about 7,000.","start":2187.6748,"end":2191.9949,"sentiment":"neutral","sentiment_score":0.13491929993033408},{"text":"Which car would you value about there?","start":2191.9949,"end":2194.015,"sentiment":"neutral","sentiment_score":-0.009730213986975806},{"text":"Oh, oh, I'm so sorry.","start":2195.275,"end":2197.4548,"sentiment":"neutral","sentiment_score":-0.12497890144586563},{"text":"Oh, no.","start":2197.595,"end":2198.335,"sentiment":"neutral","sentiment_score":-0.09033862873911858},{"text":"Oh, what did you end up getting?","start":2200.5098,"end":2201.97,"sentiment":"neutral","sentiment_score":0.005763822767351355}],"sentiment":"neutral","sentiment_score":0.0330681387697243,"num_words":36,"start":2187.6748,"end":2201.97},{"sentences":[{"text":"Wow.","start":2204.5098,"end":2204.8298,"sentiment":"neutral","sentiment_score":0.1884966343641281},{"text":"My mom bought one of those.","start":2204.8298,"end":2206.19,"sentiment":"neutral","sentiment_score":0.21154088278611502},{"text":"Do you like it?","start":2206.19,"end":2207.3298,"sentiment":"neutral","sentiment_score":0.19675618037581444},{"text":"Yeah.","start":2212.925,"end":2213.425,"sentiment":"neutral","sentiment_score":0.0047318171709775925},{"text":"Yeah.","start":2215.725,"end":2216.225,"sentiment":"neutral","sentiment_score":0.07583362609148026}],"sentiment":"neutral","sentiment_score":0.1788716996805026,"num_words":13,"start":2204.5098,"end":2216.225},{"sentences":[{"text":"Yes.","start":2225.98,"end":2226.48,"sentiment":"neutral","sentiment_score":0.1836436092853546},{"text":"Yes.","start":2228.7,"end":2229.2,"sentiment":"neutral","sentiment_score":0.19837363064289093},{"text":"Oh, lovely.","start":2229.26,"end":2229.98,"sentiment":"positive","sentiment_score":0.3793317973613739},{"text":"Yes.","start":2229.98,"end":2230.14,"sentiment":"neutral","sentiment_score":0.27845460176467896},{"text":"She loves it too.","start":2230.14,"end":2231.02,"sentiment":"positive","sentiment_score":0.5363656729459763}],"sentiment":"positive","sentiment_score":0.39606645868884194,"num_words":9,"start":2225.98,"end":2231.02},{"sentences":[{"text":"She thinks it's great.","start":2231.02,"end":2232.0598,"sentiment":"neutral","sentiment_score":0.2989974394440651},{"text":"It was just a cheap car to get around, only travels locally.","start":2232.0598,"end":2235.2,"sentiment":"neutral","sentiment_score":0.19889715189735094},{"text":"And I was like, look.","start":2235.5798,"end":2236.665,"sentiment":"neutral","sentiment_score":0.07837437689304352},{"text":"It's just it's a much of a muchness.","start":2236.745,"end":2238.585,"sentiment":"neutral","sentiment_score":0.15125017147511244},{"text":"You just gotta be happy with the car you've you've got.","start":2238.585,"end":2240.825,"sentiment":"neutral","sentiment_score":0.23741614344445142}],"sentiment":"neutral","sentiment_score":0.19490516036748887,"num_words":40,"start":2231.02,"end":2240.825},{"sentences":[{"text":"And sometimes just buying a cheap car and a new car is easy to buy over a used car.","start":2240.825,"end":2246.185,"sentiment":"neutral","sentiment_score":0.12748813433082481},{"text":"Like, you never know what you're getting, at least with a new car.","start":2246.185,"end":2249.0051,"sentiment":"neutral","sentiment_score":0.012476348461439976},{"text":"Even with the Cherries, you have that, you know, that security.","start":2249.33,"end":2252.1301,"sentiment":"neutral","sentiment_score":-0.016395989128134468},{"text":"If there's something's wrong, they're gonna have to fix it.","start":2252.1301,"end":2254.69,"sentiment":"neutral","sentiment_score":-0.10856980755925179},{"text":"So I agree.","start":2254.69,"end":2255.91,"sentiment":"neutral","sentiment_score":0.07196083292365074}],"sentiment":"neutral","sentiment_score":0.027398136161666895,"num_words":56,"start":2240.825,"end":2255.91},{"sentences":[{"text":"Yeah.","start":2256.21,"end":2256.71,"sentiment":"neutral","sentiment_score":0.037657082080841064},{"text":"Yeah.","start":2256.93,"end":2257.43,"sentiment":"neutral","sentiment_score":0.02237813174724579},{"text":"So what Wow.","start":2257.65,"end":2259.59,"sentiment":"neutral","sentiment_score":0.012270411166052023},{"text":"Yeah.","start":2260.85,"end":2261.35,"sentiment":"neutral","sentiment_score":-0.000624634325504303},{"text":"Okay.","start":2264.555,"end":2264.955,"sentiment":"neutral","sentiment_score":0.018227647989988327}],"sentiment":"neutral","sentiment_score":0.016349922998675277,"num_words":7,"start":2256.21,"end":2264.955},{"sentences":[{"text":"And would you value it about the same?","start":2264.955,"end":2266.7349,"sentiment":"neutral","sentiment_score":0.009501759195700288},{"text":"Yes.","start":2270.955,"end":2271.435,"sentiment":"neutral","sentiment_score":0.09946119785308838},{"text":"Beautiful.","start":2271.435,"end":2271.935,"sentiment":"positive","sentiment_score":0.4809187650680542},{"text":"Excellent.","start":2272.075,"end":2272.575,"sentiment":"neutral","sentiment_score":0.06521142274141312},{"text":"And with your husband's there, I know they hold their value really nicely, but would you keep that about 50,000, do you think?","start":2272.715,"end":2278.9102,"sentiment":"neutral","sentiment_score":0.006454433339809918}],"sentiment":"neutral","sentiment_score":0.025589924295405474,"num_words":34,"start":2264.955,"end":2278.9102},{"sentences":[{"text":"Yeah.","start":2281.53,"end":2282.03,"sentiment":"neutral","sentiment_score":0.014786847867071629},{"text":"Beautiful.","start":2284.6501,"end":2285.1501,"sentiment":"positive","sentiment_score":0.6411649584770203},{"text":"Excellent.","start":2285.29,"end":2285.79,"sentiment":"positive","sentiment_score":0.598609983921051},{"text":"No.","start":2287.145,"end":2287.385,"sentiment":"neutral","sentiment_score":0.1861068904399872},{"text":"Not a problem at all.","start":2287.385,"end":2288.345,"sentiment":"neutral","sentiment_score":0.1937532216310501}],"sentiment":"neutral","sentiment_score":0.2677149765400423,"num_words":9,"start":2281.53,"end":2288.345},{"sentences":[{"text":"And then we've got the boat noted down as well with a value of 20,000.","start":2288.345,"end":2291.865,"sentiment":"neutral","sentiment_score":0.06688513830304146},{"text":"Would you alter or change that?","start":2291.865,"end":2293.625,"sentiment":"neutral","sentiment_score":0.010419157644112905},{"text":"Keep it yeah.","start":2293.625,"end":2296.345,"sentiment":"neutral","sentiment_score":0.03377717174589634},{"text":"Beautiful.","start":2296.345,"end":2296.825,"sentiment":"positive","sentiment_score":0.4319339990615845},{"text":"And any other assets, any other cars, boats, caravans, collections, anything of value, shares, or cryptocurrency that you've got back there at all?","start":2296.825,"end":2305.04,"sentiment":"neutral","sentiment_score":0.05688295918314353}],"sentiment":"neutral","sentiment_score":0.06057011658170571,"num_words":48,"start":2288.345,"end":2305.04},{"sentences":[{"text":"No.","start":2306.7,"end":2307.2,"sentiment":"neutral","sentiment_score":-0.08396153151988983},{"text":"I mean, they're more liabilities, aren't they?","start":2308.6199,"end":2310.46,"sentiment":"neutral","sentiment_score":-0.04758346027561596},{"text":"Aren't they?","start":2310.46,"end":2310.78,"sentiment":"neutral","sentiment_score":-0.010925324168056248},{"text":"My three are.","start":2310.78,"end":2311.76,"sentiment":"neutral","sentiment_score":0.07752136513590813},{"text":"All good.","start":2313.945,"end":2314.685,"sentiment":"positive","sentiment_score":0.35647812485694885}],"sentiment":"neutral","sentiment_score":0.03377492955575387,"num_words":15,"start":2306.7,"end":2314.685},{"sentences":[{"text":"And I had here that we were sort of tracking towards retirement of around about age 70.","start":2315.3052,"end":2319.705,"sentiment":"neutral","sentiment_score":0.029186909415704364},{"text":"Do you think you're gonna wanna keep working till then, or do you think you'd like to hopefully retire earlier?","start":2319.705,"end":2324.5852,"sentiment":"neutral","sentiment_score":0.006690396368503571},{"text":"What's your sort of thoughts moving forward?","start":2324.5852,"end":2326.5251,"sentiment":"neutral","sentiment_score":0.01815330609679222},{"text":"Yep.","start":2328.61,"end":2329.11,"sentiment":"neutral","sentiment_score":0.011955797672271729},{"text":"70?","start":2331.8901,"end":2332.3901,"sentiment":"neutral","sentiment_score":0.01256145630031824}],"sentiment":"neutral","sentiment_score":0.01699077791493872,"num_words":46,"start":2315.3052,"end":2332.3901},{"sentences":[{"text":"Yep.","start":2332.45,"end":2332.69,"sentiment":"neutral","sentiment_score":0.037215039134025574},{"text":"That's okay.","start":2332.69,"end":2333.43,"sentiment":"neutral","sentiment_score":0.09710302203893661},{"text":"We also hear that you were looking to hopefully live on income of about $1,000 a week by that age.","start":2333.81,"end":2338.815,"sentiment":"neutral","sentiment_score":0.061793755553662774},{"text":"Is that still sort of your goal?","start":2338.815,"end":2340.255,"sentiment":"neutral","sentiment_score":0.05900443025997707},{"text":"I know you've got a bit of time ahead of you that could change down the track, but is that what we're tracking for at the moment, do you think?","start":2340.255,"end":2346.115,"sentiment":"neutral","sentiment_score":0.0012180036942784985}],"sentiment":"neutral","sentiment_score":0.03194778861555581,"num_words":60,"start":2332.45,"end":2346.115},{"sentences":[{"text":"Yep.","start":2346.575,"end":2347.075,"sentiment":"neutral","sentiment_score":0.07266174256801605},{"text":"Beautiful.","start":2347.2148,"end":2347.7148,"sentiment":"positive","sentiment_score":0.3712407946586609},{"text":"Excellent.","start":2348.255,"end":2348.755,"sentiment":"neutral","sentiment_score":0.3154193162918091},{"text":"And when we sort of caught up last year, you mentioned that you'd be selling the business in retirement to help sort of fund your retirement aspect.","start":2349.2148,"end":2355.76,"sentiment":"neutral","sentiment_score":0.04879964501769454},{"text":"Are you still thinking you might sell that down the track, or are you hoping to keep it open and maybe have employees to work for you in retirement to supplement income?","start":2355.76,"end":2363.92,"sentiment":"neutral","sentiment_score":0.036713874782435596}],"sentiment":"neutral","sentiment_score":0.05244768164571254,"num_words":62,"start":2346.575,"end":2363.92},{"sentences":[{"text":"Or what's your thoughts with the business?","start":2363.92,"end":2365.6199,"sentiment":"neutral","sentiment_score":0.01402589465890612},{"text":"Yeah.","start":2370.415,"end":2370.915,"sentiment":"neutral","sentiment_score":-0.01200465764850378},{"text":"Yes.","start":2376.735,"end":2377.235,"sentiment":"neutral","sentiment_score":0.021177764981985092},{"text":"Yeah.","start":2382.03,"end":2382.53,"sentiment":"neutral","sentiment_score":-0.05062421411275864},{"text":"Yep.","start":2384.99,"end":2385.31,"sentiment":"neutral","sentiment_score":0.03173959255218506}],"sentiment":"neutral","sentiment_score":0.008042704398659143,"num_words":11,"start":2363.92,"end":2385.31},{"sentences":[{"text":"Yep.","start":2385.31,"end":2385.63,"sentiment":"neutral","sentiment_score":0.06869438290596008},{"text":"That's okay.","start":2385.63,"end":2386.53,"sentiment":"neutral","sentiment_score":0.26765887439250946},{"text":"Excellent.","start":2386.8298,"end":2387.3298,"sentiment":"positive","sentiment_score":0.668678343296051},{"text":"And what sort of value would you put on the business as a whole at the moment if you were to sell it?","start":2387.39,"end":2391.71,"sentiment":"neutral","sentiment_score":0.005738628299339958},{"text":"I know it's a tough a tough one.","start":2391.71,"end":2393.885,"sentiment":"neutral","sentiment_score":-0.283763837069273}],"sentiment":"neutral","sentiment_score":-0.024726622019495284,"num_words":35,"start":2385.31,"end":2393.885},{"sentences":[{"text":"Sorry.","start":2397.145,"end":2397.645,"sentiment":"neutral","sentiment_score":-0.1401151865720749},{"text":"Yes.","start":2398.185,"end":2398.685,"sentiment":"neutral","sentiment_score":-0.06473775207996368},{"text":"No.","start":2402.105,"end":2402.345,"sentiment":"neutral","sentiment_score":-0.13620203733444214},{"text":"No.","start":2402.345,"end":2402.845,"sentiment":"neutral","sentiment_score":-0.1329549103975296},{"text":"That's okay.","start":2403.305,"end":2404.125,"sentiment":"neutral","sentiment_score":0.017434824258089066}],"sentiment":"neutral","sentiment_score":-0.0731900396446387,"num_words":6,"start":2397.145,"end":2404.125},{"sentences":[{"text":"That's not a problem at all.","start":2404.185,"end":2405.225,"sentiment":"neutral","sentiment_score":0.20882184306780496},{"text":"Are you planning on sort of changing everything to a company structure moving forward in the future, or you sort of think it'll probably stay about the same?","start":2405.225,"end":2411.75,"sentiment":"neutral","sentiment_score":0.008882357539342982},{"text":"What's your Yeah.","start":2411.75,"end":2414.8098,"sentiment":"neutral","sentiment_score":-0.005453268298879266},{"text":"Yeah.","start":2420.325,"end":2420.825,"sentiment":"neutral","sentiment_score":0.030055545270442963},{"text":"Yeah.","start":2427.5251,"end":2427.925,"sentiment":"neutral","sentiment_score":0.03766677901148796}],"sentiment":"neutral","sentiment_score":0.03982050227932632,"num_words":39,"start":2404.185,"end":2427.925},{"sentences":[{"text":"Oh, excellent.","start":2427.925,"end":2428.665,"sentiment":"neutral","sentiment_score":0.2011137455701828},{"text":"Yes.","start":2429.5251,"end":2430.0251,"sentiment":"neutral","sentiment_score":0.12952402234077454},{"text":"Damn.","start":2433.94,"end":2434.44,"sentiment":"neutral","sentiment_score":-0.05201566964387894},{"text":"Yes.","start":2437.14,"end":2437.64,"sentiment":"neutral","sentiment_score":0.06756426393985748},{"text":"Yeah.","start":2441.14,"end":2441.54,"sentiment":"neutral","sentiment_score":0.1803133487701416}],"sentiment":"neutral","sentiment_score":0.12126890942454338,"num_words":6,"start":2427.925,"end":2441.54},{"sentences":[{"text":"Beautiful.","start":2441.54,"end":2442.04,"sentiment":"positive","sentiment_score":0.5347212553024292},{"text":"Next two years.","start":2442.675,"end":2443.635,"sentiment":"neutral","sentiment_score":0.3203152318795522},{"text":"Excellent.","start":2443.635,"end":2444.135,"sentiment":"positive","sentiment_score":0.5252194404602051},{"text":"And do you have any other goals that you're sort of working towards that you'd like to sort of maybe achieve, or is it more just, you know, working on through from building towards retirement and also looking at building the business?","start":2444.2751,"end":2455.2551,"sentiment":"neutral","sentiment_score":0.1456812582910061},{"text":"Yep.","start":2457.24,"end":2457.74,"sentiment":"neutral","sentiment_score":-0.005070192273706198}],"sentiment":"neutral","sentiment_score":0.16946727181978835,"num_words":48,"start":2441.54,"end":2457.74},{"sentences":[{"text":"That's okay.","start":2457.8,"end":2458.62,"sentiment":"neutral","sentiment_score":0.08077012002468109},{"text":"No.","start":2459.24,"end":2459.48,"sentiment":"neutral","sentiment_score":0.08685644716024399},{"text":"Not a problem at all.","start":2459.48,"end":2460.86,"sentiment":"neutral","sentiment_score":0.14717239439487456},{"text":"Yeah.","start":2462.04,"end":2462.54,"sentiment":"neutral","sentiment_score":0.19357281923294067},{"text":"Absolutely.","start":2462.6802,"end":2463.1802,"sentiment":"neutral","sentiment_score":0.005734337959438562}],"sentiment":"neutral","sentiment_score":0.11835658163763582,"num_words":10,"start":2457.8,"end":2463.1802},{"sentences":[{"text":"Now the only other thing I just wanted to touch on with insurance is we are looking at trying to reduce the cost of cover at the moment, and, obviously, you have a lot going on with your business and growing and expenses outside with the cost of living.","start":2464.28,"end":2474.8452,"sentiment":"neutral","sentiment_score":0.11395470813220861},{"text":"You have your life, your TV, your income protection policy.","start":2475.3052,"end":2478.1052,"sentiment":"neutral","sentiment_score":0.09324597343802452},{"text":"You don't have any extra cover, life trauma or child trauma.","start":2478.1052,"end":2481.485,"sentiment":"neutral","sentiment_score":-0.013534106822176413},{"text":"These sorts of policies can pay out a lump sum tax free benefit in the event of, say, a large major diagnosis like cancer, stroke, heart attacks.","start":2481.9,"end":2490.3198,"sentiment":"neutral","sentiment_score":0.10170201474317798},{"text":"With child trauma, you can cover your children up to the age of about 15 to 16 depending on what age they are.","start":2490.6199,"end":2498.555,"sentiment":"neutral","sentiment_score":0.07334010691746422}],"sentiment":"neutral","sentiment_score":0.09000118429151674,"num_words":120,"start":2464.28,"end":2498.555},{"sentences":[{"text":"How old are your kids?","start":2498.555,"end":2499.7751,"sentiment":"neutral","sentiment_score":0.0022246140986680986},{"text":"Okay.","start":2505.195,"end":2505.695,"sentiment":"neutral","sentiment_score":0.042760878801345825},{"text":"So entry age for child trauma is anywhere up to sort of 15 or 16 depending on the policy type.","start":2505.915,"end":2511.0298,"sentiment":"neutral","sentiment_score":0.02084271851927042},{"text":"And, again, it can also cover your kids for traumatic events like heart attacks, strokes, cancers, lots of different illnesses and things that can sort of hit adults and children as a traumatic event.","start":2511.25,"end":2523.43,"sentiment":"neutral","sentiment_score":-0.03512536504251115},{"text":"These sorts of policies are held outside of super, so they are an external cost.","start":2523.675,"end":2527.935,"sentiment":"neutral","sentiment_score":-0.0394730215271314}],"sentiment":"neutral","sentiment_score":-0.017541592195630073,"num_words":75,"start":2498.555,"end":2527.935},{"sentences":[{"text":"They're not tax tax deductible in any way because they're not linked to your income.","start":2528.075,"end":2531.935,"sentiment":"neutral","sentiment_score":0.0023569772640864056},{"text":"But did you wanna look at getting any new types of cover outside of super, like trauma and and or child trauma, or are you happy just to try and get the cover inside super reduced a little bit to save some money?","start":2532.635,"end":2543.41,"sentiment":"neutral","sentiment_score":0.05607143209077591},{"text":"What's your thoughts there?","start":2543.41,"end":2544.7898,"sentiment":"neutral","sentiment_score":-0.019182951422408223},{"text":"Yeah.","start":2548.3699,"end":2548.77,"sentiment":"neutral","sentiment_score":0.1923324167728424},{"text":"Absolutely.","start":2548.77,"end":2549.27,"sentiment":"positive","sentiment_score":0.3551035225391388}],"sentiment":"neutral","sentiment_score":0.04558016207010951,"num_words":64,"start":2528.075,"end":2549.27},{"sentences":[{"text":"Absolutely.","start":2549.73,"end":2550.23,"sentiment":"positive","sentiment_score":0.37306588888168335},{"text":"Not a problem at all.","start":2550.93,"end":2551.8098,"sentiment":"positive","sentiment_score":0.4055035710334778},{"text":"Well, I've definitely got somewhere to go with that.","start":2551.8098,"end":2553.49,"sentiment":"positive","sentiment_score":0.5282579329278734},{"text":"I've got some really good ideas to update the advice there for you.","start":2553.49,"end":2556.285,"sentiment":"positive","sentiment_score":0.6284533463991605},{"text":"I'll go back and do a little bit of research around that aspect, just making sure that the investment we choose put into place is working well for you.","start":2556.585,"end":2563.625,"sentiment":"positive","sentiment_score":0.5732210319617699}],"sentiment":"positive","sentiment_score":0.5604948872014096,"num_words":57,"start":2549.73,"end":2563.625},{"sentences":[{"text":"I'm trying to save you a bit in fees as well because having a bit more money invested with your balance at the moment, keeping fees as low as possible is a good idea.","start":2563.625,"end":2571.4302,"sentiment":"positive","sentiment_score":0.6147355270736358},{"text":"It keeps more money in your super compounding towards your retirement goals.","start":2571.4302,"end":2575.2102,"sentiment":"positive","sentiment_score":0.6934576829274496},{"text":"And then also the same thing with trying to reduce those insurance premiums.","start":2575.51,"end":2578.7102,"sentiment":"positive","sentiment_score":0.33470747104057896},{"text":"Keeps more money in your super compounding so we can hopefully see a much greater return.","start":2578.7102,"end":2583.715,"sentiment":"positive","sentiment_score":0.6971596293151379},{"text":"The return essentially was great prior to your insurance premiums coming out.","start":2583.715,"end":2588.195,"sentiment":"positive","sentiment_score":0.7713077416022619}],"sentiment":"positive","sentiment_score":0.6205051058325274,"num_words":87,"start":2563.625,"end":2588.195},{"sentences":[{"text":"So we wanna see your balance grow a little bit higher and a little bit better towards your goals.","start":2588.195,"end":2592.595,"sentiment":"positive","sentiment_score":0.7295540916292291},{"text":"So once you sort of see your balance get over that 1,000 sorry.","start":2592.595,"end":2596.2107,"sentiment":"positive","sentiment_score":0.4519257637170645},{"text":"A 100,000 to $150,000 mark, you see the compounding effect get a lot bigger there.","start":2596.2107,"end":2601.0286,"sentiment":"positive","sentiment_score":0.48067437410354613},{"text":"So we just need to push it a little bit higher if we can, and then sort of, you know, see it grow, and you'll see the compounding effect grow even more from there.","start":2601.0286,"end":2609.9036,"sentiment":"positive","sentiment_score":0.3503337787354694},{"text":"It's one of those things we slug it out over the first ten to fifteen years to get our super balance up to that sort of, you know, one hundred and fifty to two hundred thousand dollar mark.","start":2609.9036,"end":2619.745,"sentiment":"neutral","sentiment_score":0.2887906232162526}],"sentiment":"positive","sentiment_score":0.4187568944542348,"num_words":119,"start":2588.195,"end":2619.745},{"sentences":[{"text":"Once you kinda get over that mark there, the compounding effect is a lot bigger, and it tends to grow a lot faster for you as well.","start":2619.745,"end":2626.91,"sentiment":"positive","sentiment_score":0.4876642332032875},{"text":"So I'll put the advice and see what we can do to help you along in that way.","start":2626.91,"end":2631.07,"sentiment":"positive","sentiment_score":0.37516994608773124},{"text":"Okay?","start":2631.07,"end":2631.57,"sentiment":"neutral","sentiment_score":0.15673241019248962},{"text":"That should be it.","start":2640.365,"end":2641.245,"sentiment":"neutral","sentiment_score":0.08756171725690365},{"text":"Yeah.","start":2641.245,"end":2641.745,"sentiment":"neutral","sentiment_score":0.040950775146484375}],"sentiment":"positive","sentiment_score":0.401331830988912,"num_words":51,"start":2619.745,"end":2641.745},{"sentences":[{"text":"Yep.","start":2644.205,"end":2644.705,"sentiment":"neutral","sentiment_score":0.02966425195336342},{"text":"Beautiful.","start":2647.405,"end":2647.905,"sentiment":"neutral","sentiment_score":0.2726982831954956},{"text":"Does okay.","start":2648.8298,"end":2650.6099,"sentiment":"neutral","sentiment_score":0.12957189232110977},{"text":"Do me a favor.","start":2650.8298,"end":2651.79,"sentiment":"neutral","sentiment_score":0.024183470755815506},{"text":"Don't sign it just yet.","start":2651.79,"end":2653.3098,"sentiment":"neutral","sentiment_score":-0.15685868859291077}],"sentiment":"neutral","sentiment_score":-0.009696403088477941,"num_words":13,"start":2644.205,"end":2653.3098},{"sentences":[{"text":"I just wanna double check the form.","start":2653.3098,"end":2655.25,"sentiment":"neutral","sentiment_score":-0.017330626025795937},{"text":"I'm gonna go back into the file just to double check the form that has been signed because it looks like now I'm just double checking.","start":2655.3098,"end":2662.3699,"sentiment":"neutral","sentiment_score":0.002113154041580856},{"text":"Did you I can see here that in your transactions, it looks like you did did you sign one in December at all?","start":2662.9949,"end":2671.6548,"sentiment":"neutral","sentiment_score":-0.009090160141172617},{"text":"I'm just having a look.","start":2672.4348,"end":2673.7349,"sentiment":"neutral","sentiment_score":-0.04449311047792435},{"text":"Sorry.","start":2679.41,"end":2679.91,"sentiment":"neutral","sentiment_score":-0.06395626813173294}],"sentiment":"neutral","sentiment_score":-0.009062385175287003,"num_words":62,"start":2653.3098,"end":2679.91},{"sentences":[{"text":"Yeah.","start":2688.7048,"end":2689.2048,"sentiment":"neutral","sentiment_score":-0.0008707558736205101},{"text":"Yeah.","start":2689.265,"end":2689.765,"sentiment":"neutral","sentiment_score":-0.0034705568104982376},{"text":"This is last night.","start":2692.305,"end":2693.265,"sentiment":"neutral","sentiment_score":-0.010092482436448336},{"text":"Okay.","start":2693.265,"end":2693.6648,"sentiment":"neutral","sentiment_score":0.011743750423192978},{"text":"So it looks like here the contributions, it looks like your notice of intent, you've signed it on the fifteenth.","start":2693.6648,"end":2705.78,"sentiment":"neutral","sentiment_score":0.012864886224269867}],"sentiment":"neutral","sentiment_score":0.008308527128839935,"num_words":27,"start":2688.7048,"end":2705.78},{"sentences":[{"text":"Yeah.","start":2711.375,"end":2711.875,"sentiment":"neutral","sentiment_score":-0.0634656697511673},{"text":"Didn't sign it.","start":2714.255,"end":2715.2349,"sentiment":"neutral","sentiment_score":-0.2976429959138234},{"text":"Okay.","start":2717.295,"end":2717.795,"sentiment":"neutral","sentiment_score":-0.03332372009754181},{"text":"Yeah.","start":2724.75,"end":2725.07,"sentiment":"neutral","sentiment_score":0.06937245279550552},{"text":"You're right.","start":2725.07,"end":2725.55,"sentiment":"neutral","sentiment_score":0.1153290644288063}],"sentiment":"neutral","sentiment_score":-0.08621097449213266,"num_words":8,"start":2711.375,"end":2725.55},{"sentences":[{"text":"Because I can see the contributions tax.","start":2725.55,"end":2728.37,"sentiment":"neutral","sentiment_score":0.0351652412542275},{"text":"I can see the contributions tax fee has been added to the account already.","start":2730.27,"end":2734.6902,"sentiment":"neutral","sentiment_score":0.09830333079610552},{"text":"So it's like it has been submitted.","start":2734.83,"end":2736.6902,"sentiment":"neutral","sentiment_score":0.07493947659220014},{"text":"Contribution going in.","start":2739.0852,"end":2743.3452,"sentiment":"neutral","sentiment_score":0.0369392658273379},{"text":"Yes.","start":2748.8452,"end":2749.3452,"sentiment":"neutral","sentiment_score":0.09053276479244232}],"sentiment":"neutral","sentiment_score":0.07338531932327896,"num_words":32,"start":2725.55,"end":2749.3452},{"sentences":[{"text":"Mhmm.","start":2759.73,"end":2759.97,"sentiment":"neutral","sentiment_score":-0.044328443706035614},{"text":"Yep.","start":2759.97,"end":2760.47,"sentiment":"neutral","sentiment_score":0.048536188900470734},{"text":"Yep.","start":2764.385,"end":2764.7852,"sentiment":"neutral","sentiment_score":0.1648360937833786},{"text":"So it has been submitted.","start":2764.7852,"end":2766.145,"sentiment":"neutral","sentiment_score":0.23010993599891663},{"text":"Yeah.","start":2766.145,"end":2766.385,"sentiment":"positive","sentiment_score":0.35116368532180786}],"sentiment":"neutral","sentiment_score":0.18563968936602274,"num_words":9,"start":2759.73,"end":2766.385},{"sentences":[{"text":"That's absolutely fine.","start":2766.385,"end":2767.585,"sentiment":"positive","sentiment_score":0.5904275178909302},{"text":"That's fine.","start":2767.585,"end":2767.985,"sentiment":"positive","sentiment_score":0.5364751517772675},{"text":"I just wanted to make sure that the contributions were all correct on the form.","start":2767.985,"end":2771.445,"sentiment":"neutral","sentiment_score":0.15083083659410476},{"text":"But yeah.","start":2772.865,"end":2773.345,"sentiment":"neutral","sentiment_score":-0.04830494523048401},{"text":"No.","start":2773.345,"end":2773.665,"sentiment":"neutral","sentiment_score":-0.19374632835388184}],"sentiment":"neutral","sentiment_score":0.20940605162278467,"num_words":23,"start":2766.385,"end":2773.665},{"sentences":[{"text":"Look.","start":2773.665,"end":2773.905,"sentiment":"neutral","sentiment_score":0.03590540960431099},{"text":"It has all gone through.","start":2773.905,"end":2774.865,"sentiment":"neutral","sentiment_score":0.25418663322925567},{"text":"It has been claimed.","start":2774.865,"end":2775.905,"sentiment":"positive","sentiment_score":0.4300149157643318},{"text":"That should be fine.","start":2775.905,"end":2776.6199,"sentiment":"positive","sentiment_score":0.45923496782779694},{"text":"You should get the confirmation letter.","start":2776.6199,"end":2778.88,"sentiment":"neutral","sentiment_score":0.2639320269227028}],"sentiment":"neutral","sentiment_score":0.32237151358276606,"num_words":20,"start":2773.665,"end":2778.88},{"sentences":[{"text":"Has Netwealth sent the confirmation letters through to say they have completed that?","start":2778.94,"end":2783.5999,"sentiment":"neutral","sentiment_score":0.17250729065675002},{"text":"Yes.","start":2796.635,"end":2797.135,"sentiment":"neutral","sentiment_score":0.07216554880142212},{"text":"Yep.","start":2807.69,"end":2808.19,"sentiment":"positive","sentiment_score":0.4434351325035095},{"text":"Perfect.","start":2808.49,"end":2808.99,"sentiment":"positive","sentiment_score":0.5234186053276062},{"text":"That's it.","start":2810.3298,"end":2811.0498,"sentiment":"neutral","sentiment_score":0.160030335187912}],"sentiment":"neutral","sentiment_score":0.20009304086367288,"num_words":18,"start":2778.94,"end":2811.0498},{"sentences":[{"text":"Yeah.","start":2811.0498,"end":2811.53,"sentiment":"neutral","sentiment_score":0.1878399103879929},{"text":"That's the one.","start":2811.53,"end":2812.25,"sentiment":"neutral","sentiment_score":0.19674185415109},{"text":"So that basically says that the contribution that the notice of intent has been claimed.","start":2812.25,"end":2816.7048,"sentiment":"neutral","sentiment_score":0.10262555181980133},{"text":"The only thing I would have sort of wanted to hold off on is if you wanted to make another contribution before the end of the year, but that all has been claimed now.","start":2817.005,"end":2824.385,"sentiment":"neutral","sentiment_score":-0.18929800369283734},{"text":"Are you intending to make one more contribution by the end of this year, or are you just sort of planning to start again in July?","start":2824.845,"end":2831.26,"sentiment":"neutral","sentiment_score":-0.018045171378896788}],"sentiment":"neutral","sentiment_score":-0.0580741497629051,"num_words":79,"start":2811.0498,"end":2831.26},{"sentences":[{"text":"Or Okay.","start":2831.32,"end":2835.02,"sentiment":"neutral","sentiment_score":-0.025876088067889207},{"text":"Yeah.","start":2835.4,"end":2835.9,"sentiment":"neutral","sentiment_score":0.06035923957824707},{"text":"That's fine.","start":2836.1199,"end":2837.02,"sentiment":"neutral","sentiment_score":0.18444504588842392},{"text":"Yes.","start":2838.1199,"end":2838.6199,"sentiment":"neutral","sentiment_score":-0.01665687933564186},{"text":"Yep.","start":2842.455,"end":2842.955,"sentiment":"neutral","sentiment_score":-0.015323849394917488}],"sentiment":"neutral","sentiment_score":0.049359489498393874,"num_words":7,"start":2831.32,"end":2842.955},{"sentences":[{"text":"No.","start":2845.175,"end":2845.495,"sentiment":"neutral","sentiment_score":-0.13558544218540192},{"text":"Yes.","start":2845.495,"end":2845.735,"sentiment":"neutral","sentiment_score":-0.005467083305120468},{"text":"So what happens is all the contributions, the $200 that you've been putting into the account, that all goes in.","start":2845.735,"end":2851.195,"sentiment":"neutral","sentiment_score":0.029647022020071745},{"text":"When you claim that notice of intent, that means the super fund takes 15% tax out of the contributions, and then they become taxable.","start":2851.2551,"end":2859.1,"sentiment":"neutral","sentiment_score":-0.036941834803049765},{"text":"So, yeah, the tax has all been taken out.","start":2859.1,"end":2861.52,"sentiment":"neutral","sentiment_score":0.016476383639706507}],"sentiment":"neutral","sentiment_score":-0.00520779395645315,"num_words":55,"start":2845.175,"end":2861.52},{"sentences":[{"text":"Yeah.","start":2861.66,"end":2861.98,"sentiment":"neutral","sentiment_score":0.12074628472328186},{"text":"Yep.","start":2861.98,"end":2862.48,"sentiment":"neutral","sentiment_score":0.21665117144584656},{"text":"That's absolutely fine.","start":2862.86,"end":2864.8,"sentiment":"positive","sentiment_score":0.6631312966346741},{"text":"I just wanted to make sure and double check that there wasn't another contribution through.","start":2864.86,"end":2868.3801,"sentiment":"neutral","sentiment_score":0.03793111983686685},{"text":"So I'll let the team know that that's all been submitted.","start":2868.3801,"end":2871.3052,"sentiment":"neutral","sentiment_score":0.0383228791708296}],"sentiment":"neutral","sentiment_score":0.10700999401629932,"num_words":31,"start":2861.66,"end":2871.3052},{"sentences":[{"text":"Just wanna make sure you didn't miss any contributions.","start":2871.3052,"end":2873.5652,"sentiment":"neutral","sentiment_score":0.05103432759642601},{"text":"That's all.","start":2873.705,"end":2874.445,"sentiment":"neutral","sentiment_score":0.18318840116262436},{"text":"And I'll make sure that they also make contact in December just to allocate another another one.","start":2874.745,"end":2881.945,"sentiment":"neutral","sentiment_score":0.12735410604406805},{"text":"I'll get someone to give you a call so you'll hear from my admin team member, Samantha, and she'll give you a call to let you know they're gonna claim the notice of intent now, that we just wanna make sure no additional contributions go in until after your insurance premiums come out.","start":2881.945,"end":2897.56,"sentiment":"neutral","sentiment_score":0.14841168992361933},{"text":"And we can make a habit of doing that for you every year to make it easier.","start":2897.6199,"end":2901.56,"sentiment":"positive","sentiment_score":0.49352392203667583}],"sentiment":"neutral","sentiment_score":0.19639216116344443,"num_words":98,"start":2871.3052,"end":2901.56},{"sentences":[{"text":"That way you get the most of that benefit of that that non that contribution you put into your super.","start":2901.915,"end":2907.435,"sentiment":"positive","sentiment_score":0.463469111174345},{"text":"Does that make sense?","start":2907.435,"end":2908.575,"sentiment":"neutral","sentiment_score":0.2526170164346695},{"text":"Yes.","start":2909.435,"end":2909.935,"sentiment":"neutral","sentiment_score":0.23778337240219116},{"text":"Beautiful.","start":2910.235,"end":2910.635,"sentiment":"positive","sentiment_score":0.5683639049530029},{"text":"Do you have any other questions or anything else in relation to the contributions or the notes of intent?","start":2910.635,"end":2916.0151,"sentiment":"neutral","sentiment_score":0.08909173770562599}],"sentiment":"neutral","sentiment_score":0.28397201295528146,"num_words":45,"start":2901.915,"end":2916.0151},{"sentences":[{"text":"Or Beautiful.","start":2916.075,"end":2918.26,"sentiment":"neutral","sentiment_score":0.24068690510466695},{"text":"Beautiful.","start":2918.72,"end":2919.22,"sentiment":"positive","sentiment_score":0.4636461734771729},{"text":"Now the last thing I'm gonna run through really quickly is just a risk profile questionnaire.","start":2919.52,"end":2923.04,"sentiment":"neutral","sentiment_score":0.052983790752477944},{"text":"I know we do one of these every year.","start":2923.04,"end":2924.48,"sentiment":"neutral","sentiment_score":0.039989813748333186},{"text":"Just making sure that you are invested correctly, making sure I'm looking at the right portfolio for you.","start":2924.48,"end":2929.275,"sentiment":"neutral","sentiment_score":0.07131581732796298}],"sentiment":"neutral","sentiment_score":0.07470334068183666,"num_words":46,"start":2916.075,"end":2929.275},{"sentences":[{"text":"The first one here is just have you ever invested in direct shares or managed funds outside of super?","start":2929.9148,"end":2934.9548,"sentiment":"neutral","sentiment_score":-0.003953131454947747},{"text":"The last ones we always had no one.","start":2934.9548,"end":2937.115,"sentiment":"neutral","sentiment_score":-0.11803832836449146},{"text":"Have you?","start":2937.115,"end":2937.515,"sentiment":"neutral","sentiment_score":-0.09717007726430893},{"text":"You haven't bought any shares?","start":2937.515,"end":2938.875,"sentiment":"neutral","sentiment_score":-0.12255619317293168},{"text":"Nope.","start":2938.875,"end":2939.115,"sentiment":"neutral","sentiment_score":-0.2396293580532074}],"sentiment":"neutral","sentiment_score":-0.05903333151446921,"num_words":35,"start":2929.9148,"end":2939.115},{"sentences":[{"text":"That's okay.","start":2939.115,"end":2939.9348,"sentiment":"neutral","sentiment_score":-0.17877499759197235},{"text":"That's okay.","start":2942.01,"end":2942.73,"sentiment":"neutral","sentiment_score":0.26826879382133484},{"text":"If there's ever something you wanted to look at doing, come and have a chat with us.","start":2942.73,"end":2945.85,"sentiment":"neutral","sentiment_score":0.060577327275977415},{"text":"We do also build investment portfolios outside of super, and we can definitely look at helping you in that area as well.","start":2945.85,"end":2952.25,"sentiment":"neutral","sentiment_score":0.12228068743239749},{"text":"Okay?","start":2952.25,"end":2952.75,"sentiment":"neutral","sentiment_score":0.22761356830596924}],"sentiment":"neutral","sentiment_score":0.09378615563566034,"num_words":44,"start":2939.115,"end":2952.75},{"sentences":[{"text":"Beautiful.","start":2953.785,"end":2954.1848,"sentiment":"positive","sentiment_score":0.722095251083374},{"text":"Now looking at the average rate of return you're looking to try and get from your super, obviously, we're gonna try and get the best rate of return we possibly can on a yearly basis, make our super work as hard as possible.","start":2954.1848,"end":2965.7249,"sentiment":"neutral","sentiment_score":0.1065297856667014},{"text":"I'll tick the box number one for you there.","start":2966.6602,"end":2969.1602,"sentiment":"neutral","sentiment_score":0.04037634697225359},{"text":"The next one here is asking essentially with the market ups and downs, with how we're invested.","start":2969.54,"end":2974.1802,"sentiment":"neutral","sentiment_score":-0.04035215912496343},{"text":"When we are taking on more risk in the market, we do expect to have negative years or years where the portfolio doesn't perform as well due to market expectations and what happens globally.","start":2974.1802,"end":2984.695,"sentiment":"neutral","sentiment_score":-0.13868930212715092}],"sentiment":"neutral","sentiment_score":0.002546540192829875,"num_words":104,"start":2953.785,"end":2984.695},{"sentences":[{"text":"So this is probably a really good example of that.","start":2984.695,"end":2987.435,"sentiment":"neutral","sentiment_score":-0.050772011280059814},{"text":"We have seen what's been going on between The US and Iran.","start":2987.495,"end":2990.635,"sentiment":"neutral","sentiment_score":-0.06471456587314606},{"text":"It has made the market a bit volatile.","start":2990.7751,"end":2992.875,"sentiment":"neutral","sentiment_score":-0.162516251206398},{"text":"We have seen those ups and downs.","start":2992.935,"end":2994.75,"sentiment":"neutral","sentiment_score":-0.11011548446757453},{"text":"When you kinda think about the level of risk you're taking, do you consider yourself happy to take on a higher level of risk now to try and get the best returns you can knowing you're also taking you know, you also have the risk of a negative downturn in those sorts of times, or do you consider yourself more less risky, not wanting to take on as much risk and see as much of a downturn?","start":2995.4502,"end":3017.645,"sentiment":"neutral","sentiment_score":-0.06282462590894142}],"sentiment":"neutral","sentiment_score":-0.07186604823851794,"num_words":114,"start":2984.695,"end":3017.645},{"sentences":[{"text":"How do you sort of rate yourself in that?","start":3017.7048,"end":3019.56,"sentiment":"neutral","sentiment_score":-0.03785578099389871},{"text":"Yeah.","start":3024.36,"end":3024.86,"sentiment":"neutral","sentiment_score":-0.08264210820198059},{"text":"Yep.","start":3034.535,"end":3034.855,"sentiment":"neutral","sentiment_score":0.02185322716832161},{"text":"Yep.","start":3034.855,"end":3035.095,"sentiment":"neutral","sentiment_score":0.02549009770154953},{"text":"So you sort of see see yourself in the middle.","start":3035.095,"end":3036.855,"sentiment":"neutral","sentiment_score":0.012812428921461106}],"sentiment":"neutral","sentiment_score":-0.011267114684663036,"num_words":22,"start":3017.7048,"end":3036.855},{"sentences":[{"text":"If you sort of looked at it on a scale of one to five, five being very risky, a 100% invested in the market, one being no risk at all, all in cash essentially or very little risk.","start":3036.855,"end":3048.1702,"sentiment":"neutral","sentiment_score":0.02841708382689639},{"text":"Would you sort of see yourself in the middle around about a three, or do you think you'd be a little bit lower?","start":3048.47,"end":3053.2102,"sentiment":"neutral","sentiment_score":0.007466725843108218},{"text":"About a three?","start":3055.03,"end":3055.99,"sentiment":"neutral","sentiment_score":-0.0053567712505658465},{"text":"Yeah.","start":3055.99,"end":3056.31,"sentiment":"neutral","sentiment_score":-0.00626378832384944},{"text":"Perfect.","start":3056.31,"end":3056.81,"sentiment":"positive","sentiment_score":0.5555310249328613}],"sentiment":"neutral","sentiment_score":0.027042133373801003,"num_words":66,"start":3036.855,"end":3056.81},{"sentences":[{"text":"If you did see the market take a bit of a dip over the next twelve months with what we are seeing in the markets generally, do you think you would maybe call us and see what's happening?","start":3057.585,"end":3066.2449,"sentiment":"neutral","sentiment_score":-0.10450614116301662},{"text":"Would you maybe wanna take advantage of that market reaction and put more money in, or do you think yourself a bit concerned and maybe wanting to put your money into something safer?","start":3066.305,"end":3075.77,"sentiment":"neutral","sentiment_score":-0.1326183919427973},{"text":"How do you think you might be feeling?","start":3075.77,"end":3077.23,"sentiment":"neutral","sentiment_score":-0.06781605491414666},{"text":"Yeah.","start":3080.09,"end":3080.59,"sentiment":"neutral","sentiment_score":0.0011970717459917068},{"text":"Yeah.","start":3084.105,"end":3084.605,"sentiment":"neutral","sentiment_score":-0.06838760524988174}],"sentiment":"neutral","sentiment_score":-0.11058468235955562,"num_words":81,"start":3057.585,"end":3084.605},{"sentences":[{"text":"Yeah.","start":3090.825,"end":3091.325,"sentiment":"neutral","sentiment_score":0.020173650234937668},{"text":"Yeah.","start":3091.385,"end":3091.785,"sentiment":"neutral","sentiment_score":0.06663081049919128},{"text":"Yeah.","start":3091.785,"end":3092.105,"sentiment":"neutral","sentiment_score":0.15451356768608093},{"text":"Absolutely.","start":3092.105,"end":3092.605,"sentiment":"positive","sentiment_score":0.3664777874946594},{"text":"Perfect.","start":3093.305,"end":3093.805,"sentiment":"positive","sentiment_score":0.4377403259277344}],"sentiment":"neutral","sentiment_score":0.20910722836852075,"num_words":5,"start":3090.825,"end":3093.805},{"sentences":[{"text":"Now having a look at this one here, you have scored there as more of a growth investor.","start":3094.505,"end":3099.68,"sentiment":"neutral","sentiment_score":0.13214602983660168},{"text":"We do, at the moment, have you invested as a high growth investor.","start":3100.54,"end":3104.1401,"sentiment":"neutral","sentiment_score":0.10079531142344841},{"text":"So that's generally where you see 90% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities.","start":3104.1401,"end":3112.735,"sentiment":"neutral","sentiment_score":0.09536141945192447},{"text":"And then the other 10% in lower risk defensive investments like cash, bonds, and fixed interest.","start":3113.355,"end":3119.135,"sentiment":"neutral","sentiment_score":0.007259768201038241},{"text":"A high growth portfolio is expected to sort of obtain, sorry, about a eight to 10% on a yearly basis compounding that over time.","start":3119.7551,"end":3128.7,"sentiment":"neutral","sentiment_score":-0.03324702242389321}],"sentiment":"neutral","sentiment_score":0.05656280664285434,"num_words":97,"start":3094.505,"end":3128.7},{"sentences":[{"text":"And the likelihood of a negative return is expected kind of one in every five years.","start":3128.92,"end":3133.18,"sentiment":"neutral","sentiment_score":-0.30710077099502087},{"text":"And this sort of portfolio suits someone who's willing to stay invested for about eight years or longer.","start":3133.72,"end":3138.555,"sentiment":"neutral","sentiment_score":-0.0832679954667886},{"text":"So you do have that time time horizon ahead of you to stay in that kind of environment.","start":3138.555,"end":3143.375,"sentiment":"neutral","sentiment_score":-0.0676975366142061},{"text":"With the way you have scored, it would see us reduce your risk level a little bit by about 10% to the growth portfolio, which has an 8080% in growth investments and 20% in defensive lower risk investments.","start":3144.235,"end":3158.05,"sentiment":"neutral","sentiment_score":-0.06333064591806185},{"text":"Again, it has the likelihood of a negative return, kind of one every five years, And we're trying to sort of obtain average returns of about seven to 9% on a yearly basis, and it has a six year time horizon for investment.","start":3158.19,"end":3171.275,"sentiment":"neutral","sentiment_score":-0.1650063544511795}],"sentiment":"neutral","sentiment_score":-0.12881826841853616,"num_words":133,"start":3128.92,"end":3171.275},{"sentences":[{"text":"Do you think that you wanna stay where you are for another year and just maybe adjust the portfolio a bit, or do you wanna look at reducing your risk level?","start":3171.335,"end":3178.87,"sentiment":"neutral","sentiment_score":-0.0777659842804555},{"text":"How do you feel about that?","start":3178.87,"end":3180.33,"sentiment":"neutral","sentiment_score":0.00920199059570829},{"text":"Yep.","start":3182.71,"end":3183.03,"sentiment":"neutral","sentiment_score":0.19575247168540957},{"text":"Beautiful.","start":3183.03,"end":3183.43,"sentiment":"positive","sentiment_score":0.5533563494682312},{"text":"So we'll stay high growth there currently, and then we'll just adjust the portfolio and see what that does over the next twelve months.","start":3183.43,"end":3189.35,"sentiment":"neutral","sentiment_score":0.18656218346829215}],"sentiment":"neutral","sentiment_score":0.04557250246464733,"num_words":63,"start":3171.335,"end":3189.35},{"sentences":[{"text":"Does that sound okay?","start":3189.35,"end":3190.49,"sentiment":"neutral","sentiment_score":0.1557437628507614},{"text":"Yeah.","start":3191.855,"end":3192.175,"sentiment":"positive","sentiment_score":0.414575457572937},{"text":"Beautiful.","start":3192.175,"end":3192.575,"sentiment":"positive","sentiment_score":0.5583168864250183},{"text":"And did you wanna do another catch up in another six months or so around about December to see how things are going, or are you happy with just a a regular annual review once a year?","start":3192.575,"end":3200.815,"sentiment":"neutral","sentiment_score":0.08379198459757341},{"text":"What would you like to see?","start":3200.815,"end":3202.275,"sentiment":"neutral","sentiment_score":0.019616456857572}],"sentiment":"neutral","sentiment_score":0.09824223605421734,"num_words":49,"start":3189.35,"end":3202.275},{"sentences":[{"text":"Yep.","start":3204.6702,"end":3205.1501,"sentiment":"neutral","sentiment_score":0.24586206674575808},{"text":"Beautiful.","start":3205.1501,"end":3205.6501,"sentiment":"positive","sentiment_score":0.5372219681739807},{"text":"Lovely.","start":3206.27,"end":3206.77,"sentiment":"positive","sentiment_score":0.4809998869895935},{"text":"Not a problem at all, Brooke.","start":3207.07,"end":3208.53,"sentiment":"positive","sentiment_score":0.37248610456784564},{"text":"Excellent.","start":3208.59,"end":3208.99,"sentiment":"positive","sentiment_score":0.5363142490386963}],"sentiment":"positive","sentiment_score":0.40353147983551024,"num_words":10,"start":3204.6702,"end":3208.99},{"sentences":[{"text":"Well, what I'll do is I'll go back and do a bit of research there for you.","start":3208.99,"end":3211.7102,"sentiment":"neutral","sentiment_score":0.19606240444323597},{"text":"I'll get those quotes downloaded and emailed to you shortly.","start":3211.7102,"end":3214.4502,"sentiment":"neutral","sentiment_score":0.19646563678979873},{"text":"Do feel free to let me know if there's any issues or if you have any questions with regard to those.","start":3215.165,"end":3219.725,"sentiment":"neutral","sentiment_score":0.14213763780537106},{"text":"I can always come back and generate additional quotes there for you.","start":3219.725,"end":3222.865,"sentiment":"neutral","sentiment_score":0.13921324722468853},{"text":"I'm just double checking.","start":3223.4849,"end":3224.685,"sentiment":"neutral","sentiment_score":0.061220645904541016}],"sentiment":"neutral","sentiment_score":0.1593445185571909,"num_words":64,"start":3208.99,"end":3224.685},{"sentences":[{"text":"The last thing here is your your sorry.","start":3224.685,"end":3228.53,"sentiment":"neutral","sentiment_score":-0.005926254903897643},{"text":"Beneficiaries.","start":3228.53,"end":3229.03,"sentiment":"neutral","sentiment_score":-0.02295505069196224},{"text":"I have noted here that in the event of something happened, you wanted everything to be paid to your husband.","start":3229.25,"end":3233.67,"sentiment":"neutral","sentiment_score":-0.0023085504770278932},{"text":"That is still correct.","start":3233.81,"end":3234.77,"sentiment":"neutral","sentiment_score":0.01131696067750454},{"text":"You don't wanna change those in any way, shape, or form.","start":3234.77,"end":3237.27,"sentiment":"neutral","sentiment_score":-0.07098052599890665}],"sentiment":"neutral","sentiment_score":-0.019364864607764917,"num_words":44,"start":3224.685,"end":3237.27},{"sentences":[{"text":"No.","start":3238.85,"end":3239.265,"sentiment":"neutral","sentiment_score":-0.04638488590717316},{"text":"You're still good.","start":3240.2249,"end":3241.105,"sentiment":"neutral","sentiment_score":0.06281159321467082},{"text":"Lovely.","start":3241.105,"end":3241.505,"sentiment":"neutral","sentiment_score":0.11169368773698808},{"text":"I didn't think you did.","start":3241.505,"end":3242.805,"sentiment":"neutral","sentiment_score":-0.037075471878051755},{"text":"Easy.","start":3242.865,"end":3243.365,"sentiment":"neutral","sentiment_score":-0.05673649534583092}],"sentiment":"neutral","sentiment_score":0.0010572478852488778,"num_words":11,"start":3238.85,"end":3243.365},{"sentences":[{"text":"He's probably very upset if you did change those.","start":3243.9048,"end":3246.305,"sentiment":"neutral","sentiment_score":-0.18835524883535174},{"text":"Goodness.","start":3246.305,"end":3246.805,"sentiment":"neutral","sentiment_score":0.02378542535007},{"text":"And, also, I've got here that you haven't had a will or power of attorney in place.","start":3248.4648,"end":3252.065,"sentiment":"neutral","sentiment_score":-0.006577248520710889},{"text":"Have you guys spoken to a lawyer?","start":3252.065,"end":3253.6648,"sentiment":"neutral","sentiment_score":-0.007849377180848802},{"text":"Have you talked about getting a will drawn up in power of attorneys and those sorts of estate planning documents?","start":3253.6648,"end":3258.99,"sentiment":"neutral","sentiment_score":-0.0027079913299530743}],"sentiment":"neutral","sentiment_score":-0.035043157516392295,"num_words":54,"start":3243.9048,"end":3258.99},{"sentences":[{"text":"No.","start":3260.33,"end":3260.65,"sentiment":"neutral","sentiment_score":-0.08242236077785492},{"text":"That's okay.","start":3260.65,"end":3261.29,"sentiment":"neutral","sentiment_score":-0.042360492050647736},{"text":"Did you want me to email some information through on a bit of a estate planning on, like, a just cost base on a local solicitor we can refer you through to, or are you happy just to sort of leave that at the moment?","start":3261.29,"end":3272.755,"sentiment":"neutral","sentiment_score":0.006983161138163672},{"text":"Yeah.","start":3275.295,"end":3275.695,"sentiment":"neutral","sentiment_score":0.1924217939376831},{"text":"Yeah.","start":3275.695,"end":3276.015,"sentiment":"neutral","sentiment_score":0.2316601425409317}],"sentiment":"neutral","sentiment_score":0.011423616856336593,"num_words":50,"start":3260.33,"end":3276.015},{"sentences":[{"text":"Beautiful.","start":3276.015,"end":3276.515,"sentiment":"neutral","sentiment_score":0.252311110496521},{"text":"I sort of use it as just to start the conversation, kinda gives you an idea of what a solicitor might charge.","start":3276.575,"end":3282.035,"sentiment":"neutral","sentiment_score":0.10118449699472297},{"text":"And there are some other options out there like using the public trustee as well.","start":3282.175,"end":3285.8398,"sentiment":"neutral","sentiment_score":0.10135016068816186},{"text":"So I can get that information and attach it for you, which might also be handy and helpful for you guys.","start":3285.8398,"end":3291.06,"sentiment":"neutral","sentiment_score":0.26272785379773095},{"text":"Okay?","start":3291.1199,"end":3291.6199,"sentiment":"neutral","sentiment_score":0.09475088119506836}],"sentiment":"neutral","sentiment_score":0.16017763776083788,"num_words":60,"start":3276.015,"end":3291.6199},{"sentences":[{"text":"Beautiful.","start":3292.88,"end":3293.38,"sentiment":"positive","sentiment_score":0.7476610541343689},{"text":"Look.","start":3293.44,"end":3293.68,"sentiment":"positive","sentiment_score":0.568738579750061},{"text":"I've touched on a lot.","start":3293.68,"end":3294.56,"sentiment":"positive","sentiment_score":0.4194751262664795},{"text":"Do you have any additional questions?","start":3294.56,"end":3296.0,"sentiment":"neutral","sentiment_score":0.15665406237045923},{"text":"Is there anything that I've missed or that you wanted to sort of have me touch on this afternoon that you additionally?","start":3296.0,"end":3302.075,"sentiment":"neutral","sentiment_score":0.11965092940425331}],"sentiment":"neutral","sentiment_score":0.19960057389523303,"num_words":35,"start":3292.88,"end":3302.075},{"sentences":[{"text":"Beautiful.","start":3303.895,"end":3304.2952,"sentiment":"positive","sentiment_score":0.6817938685417175},{"text":"All good.","start":3304.2952,"end":3304.7751,"sentiment":"positive","sentiment_score":0.6828011274337769},{"text":"Well, thank you so much for your time.","start":3304.7751,"end":3306.135,"sentiment":"positive","sentiment_score":0.747204452753067},{"text":"I will let you go.","start":3306.135,"end":3307.355,"sentiment":"positive","sentiment_score":0.6468955993652343},{"text":"You have a great afternoon.","start":3307.415,"end":3308.695,"sentiment":"positive","sentiment_score":0.7687483906745911}],"sentiment":"positive","sentiment_score":0.7192024616968065,"num_words":21,"start":3303.895,"end":3308.695},{"sentences":[{"text":"I'll get cracking on the research and get those quotes out through to you, and then we'll go from there and update the advice.","start":3308.695,"end":3313.48,"sentiment":"positive","sentiment_score":0.4963993156949679},{"text":"My team will let you know once that's ready to go, and we'll book you back in and go through the advice together.","start":3313.48,"end":3318.3801,"sentiment":"positive","sentiment_score":0.3467199076776919},{"text":"Okay?","start":3318.4402,"end":3318.9402,"sentiment":"neutral","sentiment_score":0.14907333254814148},{"text":"Perfect.","start":3320.52,"end":3321.02,"sentiment":"neutral","sentiment_score":0.2561006546020508},{"text":"Yeah.","start":3322.8628,"end":3323.263,"sentiment":"neutral","sentiment_score":0.28634774684906006}],"sentiment":"positive","sentiment_score":0.4115932637453079,"num_words":50,"start":3308.695,"end":3323.263},{"sentences":[{"text":"Legend.","start":3323.263,"end":3323.743,"sentiment":"positive","sentiment_score":0.40495622158050537},{"text":"Thank you so much.","start":3323.743,"end":3324.703,"sentiment":"positive","sentiment_score":0.6610623300075531},{"text":"I really appreciate that.","start":3324.703,"end":3325.9028,"sentiment":"positive","sentiment_score":0.6891998648643494},{"text":"You have a great afternoon.","start":3325.9028,"end":3327.2827,"sentiment":"positive","sentiment_score":0.5787501215934754},{"text":"Thank you.","start":3327.743,"end":3328.5627,"sentiment":"positive","sentiment_score":0.4691719710826874}],"sentiment":"positive","sentiment_score":0.6023812219500542,"num_words":16,"start":3323.263,"end":3328.5627},{"sentences":[{"text":"Thanks.","start":3329.1829,"end":3329.6628,"sentiment":"positive","sentiment_score":0.4935036301612854},{"text":"See you later.","start":3329.6628,"end":3330.223,"sentiment":"positive","sentiment_score":0.38460518916447956},{"text":"Bye.","start":3330.223,"end":3330.723,"sentiment":"neutral","sentiment_score":-0.09302804619073868}],"sentiment":"neutral","sentiment_score":0.3108582302927971,"num_words":5,"start":3329.1829,"end":3330.723}]}}]},{"alternatives":[{"transcript":"Hello. Brooke speaking. I'm well. Thank you. How are you? No. Absolutely. Yeah. That's fine. Yeah. I'm in front of my laptop at the moment. Yep. Is it brookgibbon@hotmail.com? Yep. No. No. You're right. Brockmarie, Whitelaw, 381983. 101 Cooma Springs Boulevard, Upper Cooma, Queensland 42 zero. Yeah. That's fine. Yeah. So I did have a cafe, and then I got rid of that and just opened up my my cake shop. Yeah. Really well. Really well. No. Not at the moment. So I'm sorry. It's pointing to my junk. That's why so just to sign the document. Give me one second. Oh, yeah. No. Sorry. I'll just that's okay. You're welcome to go through them if you like. Yep. Yeah. You're right. Yep. Yep. Yes. Okay. Yep. Yeah. Yep. Yep. So do you think it's worth lowering my my insurance? I mean, I'd like to keep the income insurance because of renting a shop now. So if I don't, you know, if something happens and I don't have an income, I need to still pay my rent. Yep. I just did my 2023, 2024 tax, and that was only 65,000, but that was because I transitioned into my shop. So I had spent a lot more in my fit out, and I hadn't earned as much because I was transitioning from a cafe to the cake shop. And, you know, I've only had my business open for just under two years. So I kind of needed to gain a bit more customer flow, if that makes sense. But I would assume last year so that was 2023, 2024. So my 2024, 2025 would no. Maybe that was no. Sorry. That was 2024, 2025. Sorry. I'm thinking last year, '25 to '26 should be a bit higher. So I probably would say around 80 to 85,000 because I haven't done that one yet. Yes. Fine. Yep. Yep. Yeah. My oh gosh. I don't know. How would we change it by just bringing, like, the the percentage down? Got you. Yep. Yep. Yep. Yeah. Yeah. That should be fine. Yep. Either way, it doesn't worry me. You're more than welcome to email them through. And if there's something that I don't understand, I can we can go through it over the phone. Definitely my mortgage. So my husband's type one diabetic. So and luckily, before he was diagnosed, he actually got insured. But he's only insured for about 500,000 because we can't now alter that. We can't go and change insurers or anything like that. So, I mean, ideally, I would like to be covered a little bit more than him. If I was you know, if something was to happen to me, then it's just him with the kids. But so, yeah, at at least pay the house off. So, I mean, I could probably bring that down to maybe 7 fifty. Yeah. Yeah. Yep. Yep. Once again, probably just pay the mortgage and then a a bit extra to cover medical and stuff. God forbid I I ain't even talking about it. Yeah. I think it's still up at about the $4.52. We did do interest only there for a little bit just while I was opening up the shop and, you know, doing all those expenses. So I think it's around 62 at the moment. Sorry. 462. I wish it was only sixty 2. $4.60 2. Yes. Yep. And, you know, I think I should be fine. I've I I wouldn't wanna go I don't think I wanna go any higher. Like you said, it's just, you know, extra money I'm paying every month and, you know, something may not happen, but God forbid something did at least. I've I've got something there anyway. Did I have a a million for both? Did I originally have a million for both? Sorry. Yep. Yep. Yeah. Yep. Yep. Yep. Is that over the till I'm 55, or is that still with the five year reduced? Yep. Okay. Yeah. Yeah. Yep. Yeah. Yep. Yep. Thank you. Yep. Yep. Can you do, like, a ten year instead of a five year, or is it only five? Okay. Could you maybe send them, and I can just have a a bit of a think over what I should do? Yep. Yeah. Yep. Yep. Yeah. Yep. Yep. And I I yeah. Sorry. So with the five years, though, obviously, I could be working another five or ten years, and then I can't work. So that five years won't kick in until I actually can't work. Yes. Oh, okay. Yep. Yep. Yep. Yeah. Yep. Yep. Yeah. Yeah. Okay. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Perfect. Yep. Yeah. Yes. Yes. Yes. Absolutely. If we reassess in twelve months, can I go the more active side? And then, no, in twelve months time. Sorry. Were you doing something safe Or Yep. Yeah. Absolutely. Let's do that. Through the past due. The past due. Thank you. Yeah. That will be great. Thank you. Yep. Yeah. That'd be great. Yes. Mississippi is hold on. Give me one sec. Let me see. I'm gonna let my schedule. I I I didn't see it come through. I was doing that. And because I have to do it, my accountant, what I was contributing to my super and then what I was able to claim, I was losing a fair bit. So she did start doing an intent to claim at the end of the calendar year and then again at the end of financial year. Yes. Is it and then she was thinking if I just put it in my savings account and at the end of financial year, just put in the lump sum in. Does that still benefit or would that still lose too much in? Yep. Yep. I've seen up a purchase to go straight to theirs. That way, I can't touch it and use it for something else. So maybe I'll just continue to do the one at the end of calendar year and then again at the end of the financial year and just still do 200 a week. Yeah. Yes. Yep. Yep. Mhmm. That that would be great. Yeah. Yep. Yep. No. I'm happy with that. I mean, I look at it that I prefer to put that money away and it come out of of my tax bill at the end of the year. Yep. Alright. I'd probably it'd definitely be over 1,000,000. I'd probably go $1.01 to 1.2. I'm happy to go around the 1,000,000 because, obviously, I just think now at the moment, we just had the pricing coming starting to come down a little bit. So, yeah, maybe go, yeah, between one and 1.2. We haven't actually had a valuation done, but given our land when we received our land valuation and other is selling within the area because they keep ringing and asking if we wanted to sell, and they tell us what next door sell for or not. So, yeah, I probably got that 1.2 at most. That would be my husband's I do do m UX. Yep. It is. Yes. I don't have that anymore. That died last year. So I had to buy a new one. I got the Cherry Tiggo four. I do. I just needed to buy the cheapest car because of I, you know, I wasn't anticipating having to buy a car last year with the business and everything. So I'm just like, oh, and I heard they they won the best small car of 2024 or 2025. I'm like, I'll I'll go with it. And, yeah, I test drove it, and I love it. Yeah. Yep. Yep. Yeah. Absolutely. Yeah. Yep. Yes. Absolutely. So, yes, for that one, for now, the value of that one was I think I pay all I thought was 31,000. Yeah. Maybe to pay 30,000. I would. He's just a limited edition. So, yeah, I'd probably say still 50,000. Just over five years old. Yep. No. I'd keep that the same. No. Yeah. That's like I put the kids on there. Yes. Look. I could retire tomorrow, but in reality, I'd probably say it'd be close to 70. Yeah. Yeah. Yeah. That'd be fine. Yep. At the moment, I'm things up and down at the moment with everything going on, small businesses and that. I would just quickly say to maybe sell it in the end. I don't know if I could if I'd want to still oversee it with staff. Yeah. I still think I'd say sell it. Not good. No. Well, at the moment, I can't sell it because I'm still a sole trader. So I haven't become a company yet. So I've I wouldn't even have a clue. I couldn't give you I'm hoping to. My accountant is just advised at the moment my tax bracket is still better off as a sole trader before coming a company. So, yeah, at the moment, she's advised just to stay with that. I mean, in the next couple of years, I've just employed a school based apprentice. She's starting next semester. Yeah. So she'll be doing one day a week for me. So, hopefully, once I get her on board, because it is just me at the moment, I'm just wanting to try and grow it a little bit more. Then, hopefully, within the two years become a company. Yeah. Just sorry at the moment. That's enough. Just trying to get through life day by day. Yep. My eldest is 15, and my youngest is 12. Yep. Yeah. I'll probably just try and get the cover inside, reduce it a little bit if I can. Yep. Yep. Yep. Yes. Now just looking I'm just I think I found the intent to claim. It's the Super Accelerator personal super form that it has my concessional contributions taxed at 15 percent and then a non concessional. Perfect. So I do have that. He sent that through to me on the seventeenth. I would have done that intensive claim in December. My accountant would have done would have asked me to do it. Which I would have done myself through the web through the online report and statement. Of June. I haven't I haven't signed anything. He just did a intent to claim and sent it through. Just from I'm just gonna bring up our my email to the guy that rang me. So Caden? Okay. So, yes, they're saying so wanting to intent to claim. Would you like to make a notice of intent to claim for my personal contributions? And I said yes. But he then submitted that for me. I've just got the letter list. I've just got the letter, which is the super Accelerator purse good afternoon. Please wanna attach important correspondence relating to your network account. Should you have any queries in relation to this email, please contact NetWell. And then there's a PDF with the super accelerator personal super. Thank you for lodging a section tax notice for the financial year ended in June 3. Yep. Yep. Oh, okay. Yep. No. I'm just going to start again in July. Yeah. So that would be the final one. So yeah. So and then all of the contributions were taxed at 15%. So there was no non concessional contribution. Is that is that correct? Yep. Yep. Yep. Perfect. Awesome. Oh, okay. Yeah. No. No. Yep. Yep. Yep. Yep. Yep. Perfect. No. I think we've covered I think we've covered everything. No. No. Don't know what I'm doing, so no. Yep. Perfect. I was I think I was more of a risk last year. I suppose for them, it isn't just going up so much up and down at the moment. I mean, I probably maybe would tend to go a little bit more safer. I'd probably say three. Yep. I think I'd be fine. Like you said, it you know, it always changes, and I still got a few years to go. So, I mean, if it was to dip and I was to lose a bit, I'm sure, you know, the cycles go around. So I would hope that it would pick up again. We could just see where I am at the moment. Yep. Yep. Yeah. That's great. I think I'm happy with the twelve monthly. No. No. We're still we're still together. No. Not yet. Oh, I'm happy if you could send something through here. That'd be great. Yep. Yep. Yes. Perfect. No. I think we've covered it all. Yep. Okay. Perfect. And I'll sign that to that form that came through. Yep. That's okay. Thank you. I will. You too. 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Brooke speaking. I'm well. Thank you. How are you?\n\nNo. Absolutely. Yeah. That's fine. Yeah.\n\nI'm in front of my laptop at the moment. Yep. Is it brookgibbon@hotmail.com? Yep. No.\n\nNo. You're right. Brockmarie, Whitelaw, 381983. 101 Cooma Springs Boulevard, Upper Cooma, Queensland 42 zero. Yeah.\n\nThat's fine. Yeah. So I did have a cafe, and then I got rid of that and just opened up my my cake shop. Yeah. Really well.\n\nReally well. No. Not at the moment. So I'm sorry. It's pointing to my junk.\n\nThat's why so just to sign the document. Give me one second. Oh, yeah. No. Sorry.\n\nI'll just that's okay. You're welcome to go through them if you like. Yep. Yeah. You're right.\n\nYep. Yep. Yes. Okay. Yep.\n\nYeah. Yep. Yep. So do you think it's worth lowering my my insurance? I mean, I'd like to keep the income insurance because of renting a shop now.\n\nSo if I don't, you know, if something happens and I don't have an income, I need to still pay my rent. Yep. I just did my 2023, 2024 tax, and that was only 65,000, but that was because I transitioned into my shop. So I had spent a lot more in my fit out, and I hadn't earned as much because I was transitioning from a cafe to the cake shop. And, you know, I've only had my business open for just under two years.\n\nSo I kind of needed to gain a bit more customer flow, if that makes sense. But I would assume last year so that was 2023, 2024. So my 2024, 2025 would no. Maybe that was no. Sorry.\n\nThat was 2024, 2025. Sorry. I'm thinking last year, '25 to '26 should be a bit higher. So I probably would say around 80 to 85,000 because I haven't done that one yet. Yes.\n\nFine. Yep. Yep. Yeah. My oh gosh.\n\nI don't know. How would we change it by just bringing, like, the the percentage down? Got you. Yep. Yep.\n\nYep. Yeah. Yeah. That should be fine. Yep.\n\nEither way, it doesn't worry me. You're more than welcome to email them through. And if there's something that I don't understand, I can we can go through it over the phone. Definitely my mortgage. So my husband's type one diabetic.\n\nSo and luckily, before he was diagnosed, he actually got insured. But he's only insured for about 500,000 because we can't now alter that. We can't go and change insurers or anything like that. So, I mean, ideally, I would like to be covered a little bit more than him. If I was you know, if something was to happen to me, then it's just him with the kids.\n\nBut so, yeah, at at least pay the house off. So, I mean, I could probably bring that down to maybe 7 fifty. Yeah. Yeah. Yep.\n\nYep. Once again, probably just pay the mortgage and then a a bit extra to cover medical and stuff. God forbid I I ain't even talking about it. Yeah. I think it's still up at about the $4.52.\n\nWe did do interest only there for a little bit just while I was opening up the shop and, you know, doing all those expenses. So I think it's around 62 at the moment. Sorry. 462. I wish it was only sixty 2.\n\n$4.60 2. Yes. Yep. And, you know, I think I should be fine. I've I I wouldn't wanna go I don't think I wanna go any higher.\n\nLike you said, it's just, you know, extra money I'm paying every month and, you know, something may not happen, but God forbid something did at least. I've I've got something there anyway. Did I have a a million for both? Did I originally have a million for both? Sorry.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYep. Is that over the till I'm 55, or is that still with the five year reduced? Yep. Okay. Yeah.\n\nYeah. Yep. Yeah. Yep. Yep.\n\nThank you. Yep. Yep. Can you do, like, a ten year instead of a five year, or is it only five? Okay.\n\nCould you maybe send them, and I can just have a a bit of a think over what I should do? Yep. Yeah. Yep. Yep.\n\nYeah. Yep. Yep. And I I yeah. Sorry.\n\nSo with the five years, though, obviously, I could be working another five or ten years, and then I can't work. So that five years won't kick in until I actually can't work. Yes. Oh, okay. Yep.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYeah. Yeah. Okay. Yep. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYep. Yeah. Perfect. Yep. Yeah.\n\nYes. Yes. Yes. Absolutely. If we reassess in twelve months, can I go the more active side?\n\nAnd then, no, in twelve months time. Sorry. Were you doing something safe Or Yep. Yeah. Absolutely.\n\nLet's do that. Through the past due. The past due. Thank you. Yeah.\n\nThat will be great. Thank you. Yep. Yeah. That'd be great.\n\nYes. Mississippi is hold on. Give me one sec. Let me see. I'm gonna let my schedule.\n\nI I I didn't see it come through. I was doing that. And because I have to do it, my accountant, what I was contributing to my super and then what I was able to claim, I was losing a fair bit. So she did start doing an intent to claim at the end of the calendar year and then again at the end of financial year. Yes.\n\nIs it and then she was thinking if I just put it in my savings account and at the end of financial year, just put in the lump sum in. Does that still benefit or would that still lose too much in? Yep. Yep. I've seen up a purchase to go straight to theirs.\n\nThat way, I can't touch it and use it for something else. So maybe I'll just continue to do the one at the end of calendar year and then again at the end of the financial year and just still do 200 a week. Yeah. Yes. Yep.\n\nYep. Mhmm. That that would be great. Yeah. Yep.\n\nYep. No. I'm happy with that. I mean, I look at it that I prefer to put that money away and it come out of of my tax bill at the end of the year. Yep.\n\nAlright. I'd probably it'd definitely be over 1,000,000. I'd probably go $1.01 to 1.2. I'm happy to go around the 1,000,000 because, obviously, I just think now at the moment, we just had the pricing coming starting to come down a little bit. So, yeah, maybe go, yeah, between one and 1.2.\n\nWe haven't actually had a valuation done, but given our land when we received our land valuation and other is selling within the area because they keep ringing and asking if we wanted to sell, and they tell us what next door sell for or not. So, yeah, I probably got that 1.2 at most. That would be my husband's I do do m UX. Yep. It is.\n\nYes. I don't have that anymore. That died last year. So I had to buy a new one. I got the Cherry Tiggo four.\n\nI do. I just needed to buy the cheapest car because of I, you know, I wasn't anticipating having to buy a car last year with the business and everything. So I'm just like, oh, and I heard they they won the best small car of 2024 or 2025. I'm like, I'll I'll go with it. And, yeah, I test drove it, and I love it.\n\nYeah. Yep. Yep. Yeah. Absolutely.\n\nYeah. Yep. Yes. Absolutely. So, yes, for that one, for now, the value of that one was I think I pay all I thought was 31,000.\n\nYeah. Maybe to pay 30,000. I would. He's just a limited edition. So, yeah, I'd probably say still 50,000.\n\nJust over five years old. Yep. No. I'd keep that the same. No.\n\nYeah. That's like I put the kids on there. Yes. Look. I could retire tomorrow, but in reality, I'd probably say it'd be close to 70.\n\nYeah. Yeah. Yeah. That'd be fine. Yep.\n\nAt the moment, I'm things up and down at the moment with everything going on, small businesses and that. I would just quickly say to maybe sell it in the end. I don't know if I could if I'd want to still oversee it with staff. Yeah. I still think I'd say sell it.\n\nNot good. No. Well, at the moment, I can't sell it because I'm still a sole trader. So I haven't become a company yet. So I've I wouldn't even have a clue.\n\nI couldn't give you I'm hoping to. My accountant is just advised at the moment my tax bracket is still better off as a sole trader before coming a company. So, yeah, at the moment, she's advised just to stay with that. I mean, in the next couple of years, I've just employed a school based apprentice. She's starting next semester.\n\nYeah. So she'll be doing one day a week for me. So, hopefully, once I get her on board, because it is just me at the moment, I'm just wanting to try and grow it a little bit more. Then, hopefully, within the two years become a company. Yeah.\n\nJust sorry at the moment. That's enough. Just trying to get through life day by day. Yep. My eldest is 15, and my youngest is 12.\n\nYep. Yeah. I'll probably just try and get the cover inside, reduce it a little bit if I can. Yep. Yep.\n\nYep. Yes. Now just looking I'm just I think I found the intent to claim. It's the Super Accelerator personal super form that it has my concessional contributions taxed at 15 percent and then a non concessional. Perfect.\n\nSo I do have that. He sent that through to me on the seventeenth. I would have done that intensive claim in December. My accountant would have done would have asked me to do it. Which I would have done myself through the web through the online report and statement.\n\nOf June. I haven't I haven't signed anything. He just did a intent to claim and sent it through. Just from I'm just gonna bring up our my email to the guy that rang me. So Caden?\n\nOkay. So, yes, they're saying so wanting to intent to claim. Would you like to make a notice of intent to claim for my personal contributions? And I said yes. But he then submitted that for me.\n\nI've just got the letter list. I've just got the letter, which is the super Accelerator purse good afternoon. Please wanna attach important correspondence relating to your network account. Should you have any queries in relation to this email, please contact NetWell. And then there's a PDF with the super accelerator personal super.\n\nThank you for lodging a section tax notice for the financial year ended in June 3. Yep. Yep. Oh, okay. Yep.\n\nNo. I'm just going to start again in July. Yeah. So that would be the final one. So yeah.\n\nSo and then all of the contributions were taxed at 15%. So there was no non concessional contribution. Is that is that correct? Yep. Yep.\n\nYep. Perfect. Awesome. Oh, okay. Yeah.\n\nNo. No. Yep. Yep. Yep.\n\nYep. Yep. Perfect. No. I think we've covered I think we've covered everything.\n\nNo. No. Don't know what I'm doing, so no. Yep. Perfect.\n\nI was I think I was more of a risk last year. I suppose for them, it isn't just going up so much up and down at the moment. I mean, I probably maybe would tend to go a little bit more safer. I'd probably say three. Yep.\n\nI think I'd be fine. Like you said, it you know, it always changes, and I still got a few years to go. So, I mean, if it was to dip and I was to lose a bit, I'm sure, you know, the cycles go around. So I would hope that it would pick up again. We could just see where I am at the moment.\n\nYep. Yep. Yeah. That's great. I think I'm happy with the twelve monthly.\n\nNo. No. We're still we're still together. No. Not yet.\n\nOh, I'm happy if you could send something through here. That'd be great. Yep. Yep. Yes.\n\nPerfect. No. I think we've covered it all. Yep. Okay.\n\nPerfect. And I'll sign that to that form that came through. Yep. That's okay. Thank you.\n\nI will. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.52,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.026525527238845825},{"text":"Brooke speaking.","start":1.8399999,"end":2.58,"sentiment":"neutral","sentiment_score":0.027527918107807636},{"text":"I'm well.","start":5.7599998,"end":6.08,"sentiment":"positive","sentiment_score":0.3440708816051483},{"text":"Thank you.","start":6.08,"end":6.48,"sentiment":"positive","sentiment_score":0.5368474572896957},{"text":"How are you?","start":6.48,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.3120168646176656}],"sentiment":"neutral","sentiment_score":0.2779468635097146,"num_words":10,"start":1.52,"end":7.3799996},{"sentences":[{"text":"No.","start":13.04,"end":13.28,"sentiment":"neutral","sentiment_score":0.03163769841194153},{"text":"Absolutely.","start":13.28,"end":13.78,"sentiment":"neutral","sentiment_score":0.2212863266468048},{"text":"Yeah.","start":22.555,"end":22.794998,"sentiment":"neutral","sentiment_score":0.10922598838806152},{"text":"That's fine.","start":22.794998,"end":23.455,"sentiment":"neutral","sentiment_score":0.1990526020526886},{"text":"Yeah.","start":28.314999,"end":28.555,"sentiment":"neutral","sentiment_score":0.01659700646996498}],"sentiment":"neutral","sentiment_score":0.12947537067035833,"num_words":6,"start":13.04,"end":28.555},{"sentences":[{"text":"I'm in front of my laptop at the moment.","start":28.555,"end":30.21,"sentiment":"neutral","sentiment_score":0.019914004020392895},{"text":"Yep.","start":37.489998,"end":37.989998,"sentiment":"neutral","sentiment_score":0.14241628348827362},{"text":"Is it brookgibbon@hotmail.com?","start":60.480003,"end":62.58,"sentiment":"neutral","sentiment_score":0.016200033016502857},{"text":"Yep.","start":63.600002,"end":64.100006,"sentiment":"neutral","sentiment_score":0.006505611352622509},{"text":"No.","start":68.32,"end":68.56,"sentiment":"neutral","sentiment_score":-0.08896491676568985}],"sentiment":"neutral","sentiment_score":0.019185540887216728,"num_words":15,"start":28.555,"end":68.56},{"sentences":[{"text":"No.","start":68.56,"end":68.72,"sentiment":"neutral","sentiment_score":-0.051510974764823914},{"text":"You're right.","start":68.72,"end":69.225,"sentiment":"neutral","sentiment_score":0.020200976403430104},{"text":"Brockmarie, Whitelaw, 381983.","start":96.604996,"end":100.065,"sentiment":"neutral","sentiment_score":0.02872628966967265},{"text":"101 Cooma Springs Boulevard, Upper Cooma, Queensland 42 zero.","start":100.284996,"end":104.225,"sentiment":"neutral","sentiment_score":0.0694788559857342},{"text":"Yeah.","start":111.5,"end":111.82,"sentiment":"neutral","sentiment_score":0.21776427328586576}],"sentiment":"neutral","sentiment_score":0.05738398901303299,"num_words":16,"start":68.56,"end":111.82},{"sentences":[{"text":"That's fine.","start":111.82,"end":112.56,"sentiment":"neutral","sentiment_score":0.29899686574935913},{"text":"Yeah.","start":127.515,"end":127.835,"sentiment":"neutral","sentiment_score":0.05905667692422867},{"text":"So I did have a cafe, and then I got rid of that and just opened up my my cake shop.","start":127.835,"end":131.85,"sentiment":"neutral","sentiment_score":0.04653284139931202},{"text":"Yeah.","start":134.07,"end":134.47,"sentiment":"neutral","sentiment_score":0.1574684977531433},{"text":"Really well.","start":134.47,"end":135.21,"sentiment":"neutral","sentiment_score":0.3220623582601547}],"sentiment":"neutral","sentiment_score":0.09021604785488711,"num_words":27,"start":111.82,"end":135.21},{"sentences":[{"text":"Really well.","start":135.27,"end":136.09001,"sentiment":"positive","sentiment_score":0.38422878086566925},{"text":"No.","start":150.16501,"end":150.485,"sentiment":"neutral","sentiment_score":-0.08213987201452255},{"text":"Not at the moment.","start":150.485,"end":151.54501,"sentiment":"neutral","sentiment_score":-0.10570521838963032},{"text":"So I'm sorry.","start":152.085,"end":152.645,"sentiment":"neutral","sentiment_score":-0.10955278823773067},{"text":"It's pointing to my junk.","start":152.645,"end":153.765,"sentiment":"neutral","sentiment_score":-0.12029151767492294}],"sentiment":"neutral","sentiment_score":-0.0444412757953008,"num_words":15,"start":135.27,"end":153.765},{"sentences":[{"text":"That's why so just to sign the document.","start":153.765,"end":157.445,"sentiment":"neutral","sentiment_score":-0.03190239076502621},{"text":"Give me one second.","start":157.445,"end":158.425,"sentiment":"neutral","sentiment_score":-0.014034476364031434},{"text":"Oh, yeah.","start":168.02,"end":168.34,"sentiment":"neutral","sentiment_score":-0.06685207970440388},{"text":"No.","start":168.34,"end":168.58,"sentiment":"neutral","sentiment_score":-0.10842597484588624},{"text":"Sorry.","start":168.58,"end":168.82,"sentiment":"neutral","sentiment_score":-0.1635262370109558}],"sentiment":"neutral","sentiment_score":-0.04481333767762408,"num_words":16,"start":153.765,"end":168.82},{"sentences":[{"text":"I'll just that's okay.","start":168.82,"end":170.68001,"sentiment":"neutral","sentiment_score":-0.14822132512927055},{"text":"You're welcome to go through them if you like.","start":174.375,"end":176.235,"sentiment":"neutral","sentiment_score":0.04940668928126494},{"text":"Yep.","start":184.135,"end":184.5,"sentiment":"neutral","sentiment_score":0.05039530247449875},{"text":"Yeah.","start":245.28,"end":245.44,"sentiment":"neutral","sentiment_score":0.2679557502269745},{"text":"You're 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do you think it's worth lowering my my insurance?","start":342.98,"end":346.02002,"sentiment":"neutral","sentiment_score":0.038888192549347875},{"text":"I mean, I'd like to keep the income insurance because of renting a shop now.","start":346.02002,"end":351.32498,"sentiment":"neutral","sentiment_score":0.030135378738244376}],"sentiment":"neutral","sentiment_score":0.03856750191854579,"num_words":28,"start":342.1,"end":351.32498},{"sentences":[{"text":"So if I don't, you know, if something happens and I don't have an income, I need to still pay my rent.","start":351.32498,"end":355.82498,"sentiment":"neutral","sentiment_score":-0.09367181292989037},{"text":"Yep.","start":363.32498,"end":363.63,"sentiment":"neutral","sentiment_score":0.04871902614831925},{"text":"I just did my 2023, 2024 tax, and that was only 65,000, but that was because I transitioned into my shop.","start":379.655,"end":386.69498,"sentiment":"neutral","sentiment_score":-0.02098334753619773},{"text":"So I had spent a lot more in my fit out, and I hadn't earned as much because I was transitioning from a cafe to the cake shop.","start":386.69498,"end":395.22,"sentiment":"neutral","sentiment_score":-0.027676440509302274},{"text":"And, you know, I've only had my business open for just under two years.","start":395.54,"end":399.22,"sentiment":"neutral","sentiment_score":-0.020133701153099537}],"sentiment":"neutral","sentiment_score":-0.040808410546200914,"num_words":86,"start":351.32498,"end":399.22},{"sentences":[{"text":"So I kind of needed to gain a bit more customer flow, if that makes sense.","start":399.22,"end":404.68,"sentiment":"neutral","sentiment_score":0.021560493973083794},{"text":"But I would assume last year so that was 2023, 2024.","start":404.74,"end":408.82,"sentiment":"neutral","sentiment_score":-0.023702789436687122},{"text":"So my 2024, 2025 would no.","start":408.82,"end":413.755,"sentiment":"neutral","sentiment_score":-0.08960184454917908},{"text":"Maybe that was no.","start":413.755,"end":414.39502,"sentiment":"neutral","sentiment_score":-0.14835938066244125},{"text":"Sorry.","start":414.39502,"end":414.635,"sentiment":"neutral","sentiment_score":-0.11466298252344131}],"sentiment":"neutral","sentiment_score":-0.03056511454480259,"num_words":38,"start":399.22,"end":414.635},{"sentences":[{"text":"That was 2024, 2025.","start":414.635,"end":416.33502,"sentiment":"neutral","sentiment_score":-0.06948221568018198},{"text":"Sorry.","start":416.555,"end":416.875,"sentiment":"neutral","sentiment_score":-0.05561086907982826},{"text":"I'm thinking last year, '25 to '26 should be a bit higher.","start":416.875,"end":421.435,"sentiment":"neutral","sentiment_score":-0.0019829346177478633},{"text":"So I probably would say around 80 to 85,000 because I haven't done that one yet.","start":421.435,"end":426.975,"sentiment":"neutral","sentiment_score":-0.06259614904411137},{"text":"Yes.","start":449.015,"end":449.415,"sentiment":"neutral","sentiment_score":0.1985059380531311}],"sentiment":"neutral","sentiment_score":-0.03412845276077004,"num_words":34,"start":414.635,"end":449.415},{"sentences":[{"text":"Fine.","start":449.415,"end":449.915,"sentiment":"neutral","sentiment_score":0.2975155711174011},{"text":"Yep.","start":465.89,"end":466.245,"sentiment":"neutral","sentiment_score":0.1386606991291046},{"text":"Yep.","start":515.61,"end":516.105,"sentiment":"neutral","sentiment_score":0.12581630051136017},{"text":"Yeah.","start":543.20996,"end":543.70996,"sentiment":"neutral","sentiment_score":-0.04379847273230553},{"text":"My oh gosh.","start":543.77,"end":545.535,"sentiment":"neutral","sentiment_score":-0.11364592611789703}],"sentiment":"neutral","sentiment_score":0.025322331381695613,"num_words":7,"start":449.415,"end":545.535},{"sentences":[{"text":"I don't know.","start":545.535,"end":546.51495,"sentiment":"neutral","sentiment_score":-0.188918337225914},{"text":"How would we change it by just bringing, like, the the percentage down?","start":548.735,"end":552.435,"sentiment":"neutral","sentiment_score":0.020126927357453566},{"text":"Got you.","start":586.53503,"end":587.09503,"sentiment":"neutral","sentiment_score":0.05304158944636583},{"text":"Yep.","start":587.09503,"end":587.46,"sentiment":"neutral","sentiment_score":0.08989912271499634},{"text":"Yep.","start":591.78,"end":592.28,"sentiment":"neutral","sentiment_score":0.10871158540248872}],"sentiment":"neutral","sentiment_score":-0.000020553451031445764,"num_words":20,"start":545.535,"end":592.28},{"sentences":[{"text":"Yep.","start":611.235,"end":611.49,"sentiment":"neutral","sentiment_score":0.1016852855682373},{"text":"Yeah.","start":618.29,"end":618.61,"sentiment":"neutral","sentiment_score":0.16492897272109985},{"text":"Yeah.","start":618.61,"end":618.77,"sentiment":"neutral","sentiment_score":0.23311777412891388},{"text":"That should be fine.","start":618.77,"end":619.83,"sentiment":"positive","sentiment_score":0.37825461477041245},{"text":"Yep.","start":621.97,"end":622.47,"sentiment":"neutral","sentiment_score":0.24248532950878143}],"sentiment":"neutral","sentiment_score":0.2819044776260853,"num_words":8,"start":611.235,"end":622.47},{"sentences":[{"text":"Either way, it doesn't worry me.","start":629.745,"end":631.34503,"sentiment":"neutral","sentiment_score":0.15254910414417586},{"text":"You're more than welcome to email them through.","start":631.34503,"end":632.865,"sentiment":"neutral","sentiment_score":0.24820634257048368},{"text":"And if there's something that I don't understand, I can we can go through it over the phone.","start":632.865,"end":641.45,"sentiment":"neutral","sentiment_score":0.053666556254029274},{"text":"Definitely my mortgage.","start":681.075,"end":682.275,"sentiment":"neutral","sentiment_score":-0.0958775927623113},{"text":"So my husband's type one diabetic.","start":682.275,"end":683.875,"sentiment":"neutral","sentiment_score":-0.08593919811149438}],"sentiment":"neutral","sentiment_score":0.07472379051330613,"num_words":41,"start":629.745,"end":683.875},{"sentences":[{"text":"So and luckily, before he was diagnosed, he actually got insured.","start":683.875,"end":688.73004,"sentiment":"neutral","sentiment_score":0.002806847576390613},{"text":"But he's only insured for about 500,000 because we can't now alter that.","start":689.19,"end":694.23004,"sentiment":"neutral","sentiment_score":-0.11656544185601748},{"text":"We can't go and change insurers or anything like that.","start":694.23004,"end":697.99,"sentiment":"neutral","sentiment_score":-0.2839468941092491},{"text":"So, I mean, ideally, I would like to be covered a little bit more than him.","start":697.99,"end":702.805,"sentiment":"neutral","sentiment_score":-0.05239913612604141},{"text":"If I was you know, if something was to happen to me, then it's just him with the 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yes, for that one, for now, the value of that one was I think I pay all I thought was 31,000.","start":2257.135,"end":2263.86,"sentiment":"neutral","sentiment_score":-0.0005657042757692662}],"sentiment":"neutral","sentiment_score":0.007449107262520836,"num_words":26,"start":2247.18,"end":2263.86},{"sentences":[{"text":"Yeah.","start":2268.82,"end":2269.06,"sentiment":"neutral","sentiment_score":0.005045927129685879},{"text":"Maybe to pay 30,000.","start":2269.06,"end":2270.4402,"sentiment":"neutral","sentiment_score":0.004864628426730633},{"text":"I would.","start":2279.105,"end":2279.4248,"sentiment":"neutral","sentiment_score":0.0002864077687263489},{"text":"He's just a limited edition.","start":2279.4248,"end":2280.805,"sentiment":"neutral","sentiment_score":-0.009175730124115943},{"text":"So, yeah, I'd probably say still 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and that.","start":2365.325,"end":2372.285,"sentiment":"neutral","sentiment_score":-0.03174896401010061},{"text":"I would just quickly say to maybe sell it in the end.","start":2372.285,"end":2376.06,"sentiment":"neutral","sentiment_score":-0.008895446391155323},{"text":"I don't know if I could if I'd want to still oversee it with staff.","start":2376.92,"end":2381.26,"sentiment":"neutral","sentiment_score":-0.2558487484852473},{"text":"Yeah.","start":2382.36,"end":2382.6,"sentiment":"neutral","sentiment_score":-0.03720469027757645},{"text":"I still think I'd say sell it.","start":2382.6,"end":2384.46,"sentiment":"neutral","sentiment_score":-0.07695683517626353}],"sentiment":"neutral","sentiment_score":-0.094881656234739,"num_words":54,"start":2365.325,"end":2384.46},{"sentences":[{"text":"Not 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through life day by day.","start":2459.81,"end":2462.07,"sentiment":"neutral","sentiment_score":0.13252925955586964},{"text":"Yep.","start":2475.135,"end":2475.635,"sentiment":"neutral","sentiment_score":0.13057701289653778},{"text":"My eldest is 15, and my youngest is 12.","start":2500.25,"end":2504.27,"sentiment":"neutral","sentiment_score":0.007822869423155984}],"sentiment":"neutral","sentiment_score":0.0378100088564679,"num_words":26,"start":2455.8901,"end":2504.27},{"sentences":[{"text":"Yep.","start":2532.42,"end":2532.92,"sentiment":"neutral","sentiment_score":0.07123226672410965},{"text":"Yeah.","start":2544.435,"end":2544.7551,"sentiment":"neutral","sentiment_score":0.08825384080410004},{"text":"I'll probably just try and get the cover inside, reduce it a little bit if I 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Caden?","start":2747.0,"end":2747.8198,"sentiment":"neutral","sentiment_score":0.028730284422636032}],"sentiment":"neutral","sentiment_score":-0.08061117858852486,"num_words":37,"start":2709.21,"end":2747.8198},{"sentences":[{"text":"Okay.","start":2750.695,"end":2750.935,"sentiment":"neutral","sentiment_score":0.08949132263660431},{"text":"So, yes, they're saying so wanting to intent to claim.","start":2750.935,"end":2754.475,"sentiment":"neutral","sentiment_score":0.04495948515832424},{"text":"Would you like to make a notice of intent to claim for my personal contributions?","start":2754.775,"end":2758.295,"sentiment":"neutral","sentiment_score":0.03850773274898529},{"text":"And I said yes.","start":2758.295,"end":2759.415,"sentiment":"neutral","sentiment_score":0.031311193481087685},{"text":"But he then submitted that for me.","start":2759.415,"end":2763.87,"sentiment":"neutral","sentiment_score":0.03973344686840262}],"sentiment":"neutral","sentiment_score":0.04108327209345392,"num_words":37,"start":2750.695,"end":2763.87},{"sentences":[{"text":"I've just got the letter list.","start":2784.525,"end":2785.805,"sentiment":"neutral","sentiment_score":0.2018801048398018},{"text":"I've just got the letter, which is the super Accelerator purse good afternoon.","start":2785.805,"end":2792.95,"sentiment":"neutral","sentiment_score":0.2846252161722917},{"text":"Please wanna attach important correspondence relating to your network account.","start":2792.95,"end":2796.39,"sentiment":"neutral","sentiment_score":0.1844461403787136},{"text":"Should you have any queries in relation to this email, please contact NetWell.","start":2796.39,"end":2799.51,"sentiment":"neutral","sentiment_score":0.058746665429610476},{"text":"And then there's a PDF with the super accelerator personal 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okay.","start":2868.475,"end":2869.115,"sentiment":"neutral","sentiment_score":0.05241304449737072},{"text":"Yeah.","start":2869.115,"end":2869.5151,"sentiment":"neutral","sentiment_score":0.047237642109394073}],"sentiment":"neutral","sentiment_score":0.26569714955985546,"num_words":6,"start":2861.195,"end":2869.5151},{"sentences":[{"text":"No.","start":2869.5151,"end":2869.7551,"sentiment":"neutral","sentiment_score":-0.1379568874835968},{"text":"No.","start":2869.7551,"end":2869.835,"sentiment":"neutral","sentiment_score":-0.1788071095943451},{"text":"Yep.","start":2869.835,"end":2870.335,"sentiment":"neutral","sentiment_score":0.029037458822131157},{"text":"Yep.","start":2874.395,"end":2874.895,"sentiment":"neutral","sentiment_score":0.15850195288658142},{"text":"Yep.","start":2879.7,"end":2880.2,"sentiment":"neutral","sentiment_score":0.09791921079158784}],"sentiment":"neutral","sentiment_score":-0.006261074915528295,"num_words":5,"start":2869.5151,"end":2880.2},{"sentences":[{"text":"Yep.","start":2902.115,"end":2902.5,"sentiment":"positive","sentiment_score":0.3478228747844696},{"text":"Yep.","start":2908.42,"end":2908.92,"sentiment":"neutral","sentiment_score":0.13891708850860596},{"text":"Perfect.","start":2914.5,"end":2915.0,"sentiment":"neutral","sentiment_score":0.26661285758018494},{"text":"No.","start":2915.22,"end":2915.54,"sentiment":"neutral","sentiment_score":-0.029569275677204132},{"text":"I think we've covered I think we've covered everything.","start":2915.54,"end":2917.96,"sentiment":"neutral","sentiment_score":0.020386512313658994}],"sentiment":"neutral","sentiment_score":0.06978939661684518,"num_words":13,"start":2902.115,"end":2917.96},{"sentences":[{"text":"No.","start":2935.46,"end":2935.96,"sentiment":"neutral","sentiment_score":-0.18546602129936215},{"text":"No.","start":2939.3801,"end":2939.8801,"sentiment":"neutral","sentiment_score":-0.2689332067966461},{"text":"Don't know what I'm doing, so no.","start":2940.02,"end":2941.6401,"sentiment":"neutral","sentiment_score":-0.2041547873190471},{"text":"Yep.","start":2952.155,"end":2952.635,"sentiment":"neutral","sentiment_score":0.16211125254631042},{"text":"Perfect.","start":2952.635,"end":2953.135,"sentiment":"positive","sentiment_score":0.7454730272293091}],"sentiment":"neutral","sentiment_score":-0.08871804177761078,"num_words":11,"start":2935.46,"end":2953.135},{"sentences":[{"text":"I was I think I was more of 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always changes, and I still got a few years to go.","start":3079.535,"end":3083.01,"sentiment":"neutral","sentiment_score":-0.05651454875866572},{"text":"So, I mean, if it was to dip and I was to lose a bit, I'm sure, you know, the cycles go around.","start":3083.09,"end":3087.73,"sentiment":"neutral","sentiment_score":-0.1936823798586493},{"text":"So I would hope that it would pick up again.","start":3087.73,"end":3090.79,"sentiment":"neutral","sentiment_score":-0.16085074990987777},{"text":"We could just see where I am at the moment.","start":3180.315,"end":3182.095,"sentiment":"neutral","sentiment_score":-0.0011699429713189601}],"sentiment":"neutral","sentiment_score":-0.10520355520544178,"num_words":66,"start":3077.935,"end":3182.095},{"sentences":[{"text":"Yep.","start":3185.035,"end":3185.535,"sentiment":"neutral","sentiment_score":0.22314117848873136},{"text":"Yep.","start":3188.395,"end":3188.895,"sentiment":"neutral","sentiment_score":0.1254984438419342},{"text":"Yeah.","start":3190.555,"end":3190.795,"sentiment":"neutral","sentiment_score":0.2675042748451233},{"text":"That's great.","start":3190.795,"end":3191.37,"sentiment":"positive","sentiment_score":0.6111250221729279},{"text":"I think I'm happy with the twelve monthly.","start":3202.25,"end":3203.9502,"sentiment":"neutral","sentiment_score":0.2262502685189247}],"sentiment":"neutral","sentiment_score":0.2806458530517725,"num_words":13,"start":3185.035,"end":3203.9502},{"sentences":[{"text":"No.","start":3237.4849,"end":3237.885,"sentiment":"neutral","sentiment_score":-0.06413538008928299},{"text":"No.","start":3237.885,"end":3238.125,"sentiment":"neutral","sentiment_score":-0.06179649755358696},{"text":"We're still we're still together.","start":3238.125,"end":3239.505,"sentiment":"neutral","sentiment_score":-0.05572112500667572},{"text":"No.","start":3258.6548,"end":3259.1348,"sentiment":"neutral","sentiment_score":-0.07359324395656586},{"text":"Not yet.","start":3259.1348,"end":3259.9548,"sentiment":"neutral","sentiment_score":-0.06556658819317818}],"sentiment":"neutral","sentiment_score":-0.06092639230191708,"num_words":10,"start":3237.4849,"end":3259.9548},{"sentences":[{"text":"Oh, I'm happy if you could send something through here.","start":3273.31,"end":3274.91,"sentiment":"neutral","sentiment_score":0.21173272803425788},{"text":"That'd be great.","start":3274.91,"end":3275.81,"sentiment":"neutral","sentiment_score":0.21619668106238046},{"text":"Yep.","start":3279.47,"end":3279.825,"sentiment":"neutral","sentiment_score":0.09946656227111816},{"text":"Yep.","start":3290.945,"end":3291.445,"sentiment":"neutral","sentiment_score":0.09136644005775452},{"text":"Yes.","start":3291.505,"end":3291.905,"sentiment":"neutral","sentiment_score":0.23124459385871887}],"sentiment":"neutral","sentiment_score":0.199249682482332,"num_words":16,"start":3273.31,"end":3291.905},{"sentences":[{"text":"Perfect.","start":3291.905,"end":3292.38,"sentiment":"positive","sentiment_score":0.7425836324691772},{"text":"No.","start":3301.0999,"end":3301.42,"sentiment":"neutral","sentiment_score":-0.047151848673820496},{"text":"I think we've covered it all.","start":3301.42,"end":3302.96,"sentiment":"neutral","sentiment_score":0.06651276412109534},{"text":"Yep.","start":3316.075,"end":3316.575,"sentiment":"neutral","sentiment_score":0.2250973880290985},{"text":"Okay.","start":3318.715,"end":3319.115,"sentiment":"neutral","sentiment_score":0.22064584493637085}],"sentiment":"neutral","sentiment_score":0.15402516014873982,"num_words":10,"start":3291.905,"end":3319.115},{"sentences":[{"text":"Perfect.","start":3319.115,"end":3319.59,"sentiment":"positive","sentiment_score":0.5695724487304688},{"text":"And I'll sign that to that form that came through.","start":3319.6702,"end":3322.6501,"sentiment":"positive","sentiment_score":0.3780834972858429},{"text":"Yep.","start":3324.1501,"end":3324.47,"sentiment":"positive","sentiment_score":0.4753878116607666},{"text":"That's okay.","start":3324.47,"end":3325.29,"sentiment":"positive","sentiment_score":0.6248117089271545},{"text":"Thank you.","start":3326.23,"end":3327.05,"sentiment":"positive","sentiment_score":0.6578191220760345}],"sentiment":"positive","sentiment_score":0.46194105595350266,"num_words":16,"start":3319.115,"end":3327.05},{"sentences":[{"text":"I will.","start":3327.59,"end":3328.07,"sentiment":"positive","sentiment_score":0.3863217234611511},{"text":"You too.","start":3328.07,"end":3328.73,"sentiment":"positive","sentiment_score":0.33691541850566864},{"text":"Bye.","start":3328.79,"end":3329.29,"sentiment":"neutral","sentiment_score":0.25421327352523804}],"sentiment":"positive","sentiment_score":0.3401375114917755,"num_words":5,"start":3327.59,"end":3329.29}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Brooke speaking.\n\nChannel 0: Hi, Brooke. It's Dana from Open Financial. How are you this afternoon?\n\nChannel 1: I'm well. Thank you. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in to go through your annual review there today. Is that still a good time for you?\n\nChannel 1: No. Absolutely.\n\nChannel 0: Fantastic. Brooke, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And do you happen to have access to your emails there at the moment as well? Or\n\nChannel 1: Yeah. I'm in front of my laptop at the moment.\n\nChannel 0: oh, fantastic. Excellent. I'm just gonna send through an email to you just with a copy of all your annual review documents there. If you wanted\n\nChannel 1: Yep.\n\nChannel 0: to open them up, we'll go through and have a bit of a chat about how your sleep has been going, have a look at any new goals that you do have, and look at any whether any new advice needs to be provided there for you as well. Okay? Just wanted to confirm your email address hasn't changed there at all. So I've got, sorry, brooked. Oh, my computer's all this slow.\n\nSorry. Can you just repeat your email address to me?\n\nChannel 1: Is it brookgibbon@hotmail.com?\n\nChannel 0: Yes. It is. Yes.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. My computer was freezing a little bit there. It was shaking. I thought I can just sort of see it. Sorry about\n\nChannel 1: No.\n\nChannel 0: that.\n\nChannel 1: No. You're right.\n\nChannel 0: Love technology when it wants to work there for us. There we go. I've just sent that there through to you now, so it should come through. Perfect. Now just while we are sort of receiving that email there, I do need to do a quick security check there for you as well.\n\nAnd this sorry. It's on its way to you now. Just just gonna do a quick security check. Can you confirm your full name, your date of birth, and address I should have on file?\n\nChannel 1: Brockmarie, Whitelaw, 381983. 101 Cooma Springs Boulevard, Upper Cooma,\n\nChannel 0: Perfect.\n\nChannel 1: Queensland 42\n\nChannel 0: Beautiful.\n\nChannel 1: zero.\n\nChannel 0: Fantastic. And we do record our calls moving forward for quality and training purposes. You're happy for me to proceed with that moving through the call?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Oh, fantastic. Lastly, when we sort of caught up there for your annual review, everything was going really well. The business was growing nicely as well. You just opened up another cake shop there as well. You just opened up it was it changed into a cake shop.\n\nIs that right?\n\nChannel 1: Yeah. So I did have a cafe, and then I got rid of that and just opened up my my cake shop.\n\nChannel 0: Yeah. Yeah. And how's that been going for you?\n\nChannel 1: Yeah. Really well. Really well.\n\nChannel 0: Fantastic. Fantastic. Now just let me know when that email comes through. As we are kinda going through the review, is there anything specific you want a bit of touch on or any specific questions you might have there for me today as well?\n\nChannel 1: No. Not at the moment. So\n\nChannel 0: Yep.\n\nChannel 1: I'm sorry.\n\nChannel 0: That's okay.\n\nChannel 1: It's pointing to my junk. That's why\n\nChannel 0: That's okay.\n\nChannel 1: so just to sign the document. Give me one second.\n\nChannel 0: Yeah. You're right. Normally, did you wanna have a look at those first? Were you happy for me just to sort of run you through what the documents are? I don't ever want you to sign\n\nChannel 1: Oh, yeah.\n\nChannel 0: anything\n\nChannel 1: No. Sorry.\n\nChannel 0: you\n\nChannel 1: I'll just\n\nChannel 0: haven't\n\nChannel 1: that's\n\nChannel 0: read\n\nChannel 1: okay.\n\nChannel 0: or that you're not comfortable with. You're\n\nChannel 1: You're welcome\n\nChannel 0: fine.\n\nChannel 1: to go through them\n\nChannel 0: Yes.\n\nChannel 1: if you like.\n\nChannel 0: Perfect. All good. So So I'll start by just giving you a bit of an update on your super there because it's probably the main thing that you're sort of looking for. So having a\n\nChannel 1: Yep.\n\nChannel 0: bit of a look when we did your annual review last year, your balance then was a bit $68,005.55 and 37¢ there. Looking at things now, we are up to 69,549 and 14¢. So it is definitely an increase on your balance, albeit a much smaller one. It is really important to sort of note that markets have been a bit volatile this year. So, obviously, returns can be a little bit lower with the expected ups and downs that we have seen with the market reactions.\n\nGenerally, based on what's been going on between The US and Iran there, it's definitely had a bit of an on flow effect with us. And I'm just pulling up your super fund just to sort of double check the investments there as well to sort of see. But, look, in all honesty, it still is an increase. We wanna see it going up, albeit a much smaller increase, so it is really good to see an increase on where we were last year. Having a look at the actual return there we go.\n\nBeautiful. Just waiting for it to load there for me.\n\nChannel 1: Yeah. You're right.\n\nChannel 0: Beautiful. So with the actual return there, you have seen essentially a positive return for the year, albeit a much smaller one. It is an 8% return because your balance is a little bit lower there, sort of around that sort of $6,070,000 dollar mark. It is an 8% return. It is a good return.\n\nIt is showing essentially a positive income and growth within that last twelve months of about $5,000 there. But then you've obviously got your insurance premiums coming out as well, and they are quite high. So having a bit of look at the insurance side of things, at the moment based on your current, insurances, you do\n\nChannel 1: Yep.\n\nChannel 0: have your life and TBD with a current sum insured of a bit over a million dollars. So you're currently covered for a million and 12 and then $16 there at the end. And then you've also got your income protection policy there as well. Now your insurance premium, so your growth within the last twelve months as a dollar figure has shown as of an 8% return, but it was the dollar figure is 8,882 and 98¢ there. So when I have a look at your insurance premiums for this year, your insurance premiums you actually paid 6\n\nChannel 1: Yep.\n\nChannel 0: thousand $349.75 there. So it is good. You did see a bit of growth there. The balance is a little bit lower than where we would expect based on that growth, but it is purely because your insurance premiums are a bit higher as well.\n\nChannel 1: Yes.\n\nChannel 0: So your insurance premiums essentially ate away all that growth that we saw within that twelve months. So that is essentially where this may where this\n\nChannel 1: Okay.\n\nChannel 0: dip in\n\nChannel 1: Yep.\n\nChannel 0: your super has come from and why the growth looks so low and why the balance is not a huge difference from where we would expect on last year's balance. Does that make sense?\n\nChannel 1: Yeah. Yep. Yep. So do you think it's worth\n\nChannel 0: Yeah.\n\nChannel 1: lowering my my insurance? I mean, I'd like to keep the income insurance because\n\nChannel 0: Yeah.\n\nChannel 1: of renting a shop now. So if I don't, you know, if something happens and I don't have an income, I need to still pay my rent.\n\nChannel 0: Yeah. Absolutely. Absolutely. Well, let's have a bit of a look at what it is that you're actually wanting to achieve with your insurances there and to sort of\n\nChannel 1: Yep.\n\nChannel 0: see whether it is worth looking to reduce those at all. Now having a look at your income there last year. I can see your income was based on around about 90,000 per annum. Is that still fairly accurate for your income, or would you say that's gone up or down a little bit in the last year?\n\nChannel 1: I just did my 2023, 2024 tax, and that was only\n\nChannel 0: Mhmm.\n\nChannel 1: 65,000, but that was because I transitioned into my shop. So I\n\nChannel 0: Right.\n\nChannel 1: had spent a lot more in my fit out, and I hadn't earned as much because I was transitioning from\n\nChannel 0: Okay.\n\nChannel 1: a cafe to the cake shop. And, you know, I've only had my business open for just under two years. So I kind of needed to gain a bit more customer\n\nChannel 0: Right.\n\nChannel 1: flow, if that\n\nChannel 0: Right.\n\nChannel 1: makes sense. But I\n\nChannel 0: It\n\nChannel 1: would\n\nChannel 0: does.\n\nChannel 1: assume last year\n\nChannel 0: Yeah.\n\nChannel 1: so that was 2023, 2024. So my 2024, 2025 would no. Maybe that was no. Sorry. That was 2024, 2025.\n\nSorry. I'm thinking last\n\nChannel 0: You're right.\n\nChannel 1: year,\n\nChannel 0: You're right.\n\nChannel 1: '25 to '26 should be a bit\n\nChannel 0: Yes.\n\nChannel 1: higher. So I probably would say around 80 to 85,000 because\n\nChannel 0: Okay.\n\nChannel 1: I haven't done that one yet.\n\nChannel 0: Yes. No. That's understandable. Perfect. So if I have a bit of a look now with income protection, you can be currently covered for up to 70% of that income based on a monthly benefit amount, and the monthly benefit is gross.\n\nSo if you are in an income protection's claim, the same as with your income, you do pay income tax on that amount. So just sort of having a look, if we base it on 85,000, does that sound okay?\n\nChannel 1: Yes. Fine.\n\nChannel 0: Yeah. Beautiful. So 85,000, and then we divide that, sorry, into a monthly amount. It essentially shows that you can be covered for up to $4,958.33 on a monthly basis based on the 70%.\n\nChannel 1: Yep.\n\nChannel 0: If I could have a look at this now, so your current sum insured is 5,400 oh, sorry. I'm actually looking at the wrong document. There we go. We're up to 5,562 as a monthly benefit there. So I'll just work out quickly what that is based on your income Five five six two.\n\nAbout twelve months. We had you in at, say, 90,000 last year. Yes. So it looks like based on 90,000 of income, the monthly benefit that you are covered for with income protection there is about 74.16% of your income based on 90,000. Did you\n\nChannel 1: Yep.\n\nChannel 0: feel like keeping your income protection at that higher rate because you are self employed and your income can go up and down and fluctuate might be more important to you? Or what's your thought? Difficult one, I know, because you kinda try to cover income that you may earn in the future, but also factoring in if or anything does, you know, if something was to occur in the future at the same time.\n\nChannel 1: Yeah. My oh gosh. I don't know.\n\nChannel 0: That's okay.\n\nChannel 1: How would we change it by just bringing, like, the the percentage down?\n\nChannel 0: Yeah. So there's a couple of things that we can definitely do. I can look at maybe just getting some quotes and seeing what would be preferred for yourself if you like, but, you do have an age 65 benefit period as well. So we can look to maybe look to make the premiums a bit cheaper by reducing the benefit period from, say, age 65 down to maybe a five year benefit period. That does have the risk that if in the event you are on an income protection claim, you can be on a claim for up to five years.\n\nIf something was to you know, at that five year mark, if you still weren't able to go back to work, that claim stops that point.\n\nChannel 1: Got\n\nChannel 0: Whereas\n\nChannel 1: you.\n\nChannel 0: with\n\nChannel 1: Yep.\n\nChannel 0: your current benefit period at age 65, you can be on a claim up to age 65 or\n\nChannel 1: Yep.\n\nChannel 0: can be on income protection for that long. But reducing the benefit period can make the premiums more cheaper for you. I can also look at adjusting the income protection monthly benefit for you. So we can look at maybe 70% of 90,000 and seventy percent of 85,000 for you, and you could\n\nChannel 1: Yep.\n\nChannel 0: sort of weigh up the difference in the cost to see what's more comfortable for yourself to reduce the the cover to. Does that sound okay?\n\nChannel 1: Yeah. Yeah. That should be fine.\n\nChannel 0: Yeah. I'll look at all those options for you.\n\nChannel 1: Yep.\n\nChannel 0: I'll get some quotes. Are you did you want me to email them through or give you a call once I've got the quotes here and we can talk them through? What would you prefer?\n\nChannel 1: Either way, it doesn't worry me. You're more than welcome\n\nChannel 0: Yeah.\n\nChannel 1: to email them through. And if there's something that I don't understand, I can we can go through\n\nChannel 0: Absolutely.\n\nChannel 1: it over the\n\nChannel 0: Yeah. No. Not a problem at all. Excellent. And then we've also\n\nChannel 1: phone.\n\nChannel 0: got here that you do have your life and TBD. So as I mentioned, this is just over a million dollars there at the moment. So it's 1,012,016. Essentially, with that, you do have level premiums. So, essentially, that means that the premiums are cheaper to begin with earlier on.\n\nWell, sorry. They're more they're normally they're more expensive to start earlier on, and they get cheaper as you get older. Having a look at your income your life and TBD, sorry, if you were to say pass away, what is it that you're wanting to cover? What is your main goal with having the life cover paid out to start with? What did you wanna cover if you were to pass away prematurely?\n\nChannel 1: Definitely my mortgage. So my husband's type one diabetic. So and luckily,\n\nChannel 0: Right.\n\nChannel 1: before he was diagnosed, he actually got insured. But he's only\n\nChannel 0: Okay.\n\nChannel 1: insured for about 500,000 because we can't\n\nChannel 0: Right.\n\nChannel 1: now alter that. We can't go and\n\nChannel 0: No.\n\nChannel 1: change insurers or anything like that. So, I mean,\n\nChannel 0: Tough.\n\nChannel 1: ideally,\n\nChannel 0: Yeah.\n\nChannel 1: I would like to be covered a little bit more than him. If\n\nChannel 0: Yeah.\n\nChannel 1: I was you know, if something was to happen to me,\n\nChannel 0: Yep.\n\nChannel 1: then it's just him with the kids. But so, yeah, at at least pay the house off. So, I mean, I\n\nChannel 0: Yep.\n\nChannel 1: could probably bring that down to maybe 7\n\nChannel 0: Okay. Yep. So we could look at reducing your life cover down to 7\n\nChannel 1: fifty.\n\nChannel 0: 100 and\n\nChannel 1: Yeah.\n\nChannel 0: 50,000.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. And with the TPD, the total permanent disability cover, this is, you know, if you were to be you would still be alive, but, essentially, it's totally impaired. So totally permanently disabled. You can receive the benefit as a lump sum or an income stream depending on what you prefer.\n\nBut TPD, normally, know, a lot of people wanna pay off their mortgage, maybe provide a\n\nChannel 1: Yep.\n\nChannel 0: little bit of extra income and things like that. If\n\nChannel 1: Yep.\n\nChannel 0: you were to be PPD'd and claiming on that level of benefit, do you think you'd be comfortable with the $7.50 with life, or do you have a certain amount that you're comfortable with? Or do is it just something you wanted to cover yourself for or have paid out? What do you feel like with CBD? What's your main goal there? What do you wanna have covered?\n\nChannel 1: Once again, probably just pay the mortgage and\n\nChannel 0: Yeah.\n\nChannel 1: then a a bit extra\n\nChannel 0: Yep.\n\nChannel 1: to cover medical\n\nChannel 0: That's okay.\n\nChannel 1: and stuff. God forbid I I ain't even talking about it.\n\nChannel 0: It's tough, isn't it? It's not easy to think about. Like, if something if some it means the biggest thing with insurances is you pay the premiums and literally nothing happens. You don't end up claiming on any of those. But it's always good to have some level of cover to protect yourself in the event.\n\nIf you were to say because your mortgage at the moment, we had it noted last year at about 464,000. What is your mortgage now?\n\nChannel 1: Yeah. I think it's still up at about the $4.52. We did do interest only there for a little bit just while I was opening up the shop and, you know,\n\nChannel 0: Yeah.\n\nChannel 1: doing all those expenses.\n\nChannel 0: So did\n\nChannel 1: So\n\nChannel 0: that.\n\nChannel 1: I think it's around 62 at the moment.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: Sorry.\n\nChannel 0: Fantastic.\n\nChannel 1: 462. I wish it\n\nChannel 0: 4\n\nChannel 1: was only\n\nChannel 0: 62?\n\nChannel 1: sixty 2. $4.60\n\nChannel 0: I know.\n\nChannel 1: 2.\n\nChannel 0: Wishful thinking. That's okay. That's not a problem at all. So about $4.62. So if you were\n\nChannel 1: Yes.\n\nChannel 0: to say cut yourself for, say, 750,000 of TBD as you sort of are thinking about the life, the 750,000, that then essentially $4.62. That leaves you about 288,000 there that you plus your super balance because your super is also can be paid out if you are\n\nChannel 1: Yep.\n\nChannel 0: unable to work at any point. Did you think maybe covering yourself for about the same amount would be preferable?\n\nChannel 1: And, you know, I think I should be fine. I've\n\nChannel 0: Yeah.\n\nChannel 1: I I wouldn't wanna go I don't think I wanna go any higher. Like you said, it's\n\nChannel 0: No.\n\nChannel 1: just, you know, extra money I'm paying every month and, you know,\n\nChannel 0: Yeah.\n\nChannel 1: something may\n\nChannel 0: That's\n\nChannel 1: not happen,\n\nChannel 0: okay.\n\nChannel 1: but God forbid something did at least. I've I've got something there anyway.\n\nChannel 0: Yeah. No. That's okay. Perfect. Now what I'm actually doing as well because it just double check.\n\nYour insurances are with Neos. So I've just got the codes out to go in there and look at trying to do some live quoting for you. So I'm just gonna bring up your file in the portal and just go in and alter the, quoting just to alter the policy just to sort of get some quotes for you so we can maybe see if this works. Sometimes the portal works and sometimes it doesn't. So I will see if it does.\n\nBut if I can give you the quote now, it might just make it a little bit easier for you. Beautiful. Okay. So we'll look at with life and TBD reducing the sum insured to 750 for both of them. And the first quote I'll look at for you\n\nChannel 1: Did I\n\nChannel 0: was\n\nChannel 1: have\n\nChannel 0: the\n\nChannel 1: a\n\nChannel 0: income\n\nChannel 1: a million\n\nChannel 0: protection.\n\nChannel 1: for both? Did I originally have a million for both? Sorry.\n\nChannel 0: When you first applied, I can tell you exactly what we applied for. Just in this other section here. That was in 2020 that we were putting these into place. You've had them for quite some time. Originally, the recommendation there was sorry.\n\nI'm just pulling up the advice document originally just to have a look at what was recommended for you. You were recommended 773,000 of life and TBD.\n\nChannel 1: Yep.\n\nChannel 0: So, essentially, with the increases there and what normally happens with your insurance policy is that it does go through renewal periods every year. And as it goes through all those renewal periods, it does increase along with CPI. So the amount that you're covered for increases, but so does the cost of the premium, unfortunately. And that essentially has just increased continuously along with in inflation over the past couple of years. So you end up with bit over a million.\n\nSo it has increased really nicely. The idea of doing that is that, you know, we all know a $100 this year isn't worth a $100 next year. Inflation eight ways, you know, borrowing buying out of our dollars. So the idea there is that you wanna keep if you had 700,000, you wanna keep that growing with inflation. So it actually covers what you wanted to, so that's why we just tend to increase those.\n\nBut it does unfortunately mean that your policy the cost of your policy increases along with that, which can be can be a bit much and can does get very expensive over time as you get older as well. So now for the first quote there, if you like, I'll look at keeping your income protection with the same monthly benefit and just look at reducing the benefit period for you just to give you an idea of what this looks like. Let's see how much it actually decreases by. Here we go. 30.\n\nWe'll do it as a five year benefit period, and I won't change anything else there. So looking at that, now your current premium, the amount I gave you before the 6,000, that's exactly how that's how much came out out of your super. The insurer actually received over 7,000 for the premium. But just making these changes, so reducing your life and TBD down to 750,000 and then reducing your income protection benefit period. So keeping the amount you're insured for the same, keeping the waiting period of thirty days, and just reducing your benefit period from 65 age sixty five to five years, it reduces the insurance premium to 4,940 and 67¢.\n\nSo it does save a couple of thousand on the insurance premium there.\n\nChannel 1: Yep.\n\nChannel 0: So a little over 4,900 just to kind of even it out for you. And then if we were to also reduce the sum insured on your policy and say we brought it back to 70%, did you want me just to look at 70% of 90,000 first so it's kind of a a lesser decrease to start with?\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Yep. Beautiful. By '12. That brings us back to $5.02 $5.00 as a monthly benefit. So reducing your monthly benefit brings the the policy premium back to 4,783.\n\nSo, again, it's a bit more of a reduction, another $200 there.\n\nChannel 1: Yep. Is that over the till I'm 55, or is that still with the five year reduced?\n\nChannel 0: That's with a five year benefit period. Yeah. If you kept it $8.65 and just reduced the sum insured, the monthly benefit back to 70% of your 90,000, it still ends up a bit over 6\n\nChannel 1: Yep.\n\nChannel 0: thousand dollars for\n\nChannel 1: Okay.\n\nChannel 0: the premium. So it is still quite high.\n\nChannel 1: Yeah.\n\nChannel 0: It's that that benefit period that's\n\nChannel 1: Yeah.\n\nChannel 0: really sort of keeping the the premiums\n\nChannel 1: Yep.\n\nChannel 0: higher there.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Yeah. If we then\n\nChannel 1: Thank\n\nChannel 0: lose\n\nChannel 1: you.\n\nChannel 0: both of, say, 70% of 85,000, that gives us a monthly benefit of four so $4.09 $5.08 and 33¢. So $4.09 $5.08 is what they'll do. We keep a five year benefit period for you and reduce your life and take it to 750,000. The premium is around about $4,637 before the discount is applied. So you you get a 15% discount inside super, so you end up paying a little bit less outside of\n\nChannel 1: Yep.\n\nChannel 0: the super\n\nChannel 1: Yep.\n\nChannel 0: side of things. But that essentially, based on your current premium, is saving. Let's have a look here. So we're at 0163722. It's saving you about $2,833 for the first year.\n\nIt's important that I do note if you do decide to reduce your life, your TBD, and the income protection, reducing is no problem. It's very easy to do. But it does mean if something happens and you wanna increase that policy then, you do have to go back to your new application. And if there are changes to your health, it could mean the policy gets more expensive. There could be loadings or exclusions applied.\n\nExclusions are essentially any preexisting condition they won't cover you for, so they exclude anything preexisting on the policy, and loadings tend to make the policy more expensive. So, like, for a type one diabetic, most poly most life policies have life of 50 or a 100% loading on them these days, and it just makes the policy 50 or a 100% more expensive for them. So it's just more about making sure you're aware of those sort of things. But did you wanna look at reducing that, or did you want me to send the quotes through to you? What is your thoughts, and do you have more questions for me?\n\nChannel 1: Can you do, like, a ten year instead of a five year, or is it only five?\n\nChannel 0: No. It's only five. So they do two years, five years, or age 65 for income protection, unfortunately.\n\nChannel 1: Okay. Could you maybe send them, and I can just have a a bit of a think\n\nChannel 0: Yeah.\n\nChannel 1: over what I should do?\n\nChannel 0: Yeah. Absolutely. I'll generate all of those after the call for you and email them through, and you're\n\nChannel 1: Yep.\n\nChannel 0: welcome to have a bit of a look. Let me know if you do have additional questions. I know it's a difficult thing to sort of\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: to decide on the spot. Don't wait. You feel like you have to make the call right now. But have a think about what you'd like to do, but that is probably one of the biggest things is as you do get older, your insurance premiums do become more expensive, which is\n\nChannel 1: Yeah. Yep.\n\nChannel 0: can\n\nChannel 1: Yep.\n\nChannel 0: be a bit of a problem. And it does tend to have an effect on your super because you are paying those premiums out of your out of your super fund. It does affect your returns and the long term growth of your super as well. So it's about\n\nChannel 1: And\n\nChannel 0: having\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: I\n\nChannel 0: level\n\nChannel 1: yeah.\n\nChannel 0: You're\n\nChannel 1: Sorry.\n\nChannel 0: right. Sorry. Yeah. I know. Just\n\nChannel 1: So with the five years, though, obviously, I could be working another five or ten years, and then I can't work. So that five years won't kick in until I actually can't work.\n\nChannel 0: That's right. So with the income\n\nChannel 1: Yes.\n\nChannel 0: protection policy, you have a waiting period, which is thirty days. So it just means that you have to be off work for thirty days prior\n\nChannel 1: Oh,\n\nChannel 0: to making\n\nChannel 1: okay.\n\nChannel 0: a\n\nChannel 1: Yep. Yep.\n\nChannel 0: claim.\n\nChannel 1: Yep.\n\nChannel 0: That benefit period does not kick in until you actually make a claim. So it's not saying that you have income protection for the next five years and then you can't claim on it.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: It's about if you're on a claim, you can be on a claim for up to five years. After\n\nChannel 1: Yep.\n\nChannel 0: the five years have been on claim, the claim stops. But the claim doesn't start until you meet that waiting period. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: if you have this policy for the next ten years or fifteen years and\n\nChannel 1: Okay.\n\nChannel 0: then you make a claim, it's all still completely valid. Yeah. Does\n\nChannel 1: Yep. Yep.\n\nChannel 0: that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Yeah. Yep. Yep.\n\nYeah. Perfect.\n\nChannel 0: Beautiful. Fantastic. Well, I'll generate those couple of quotes and email them through to you after the call, Brooke. If you have questions, you're welcome to let me know. If you can decide what you wanna do, I can update the advice.\n\nI've also just been having a bit of look prior to the call at your investments as well, and I have noted that one of them has been slightly underperforming. So I would like to maybe remove that from your portfolio\n\nChannel 1: Yep.\n\nChannel 0: as well.\n\nChannel 1: Yeah.\n\nChannel 0: You did have originally, the Ben along Australian Equities investment within your portfolio there, which isn't a bad investment in any way. It was originally placed in your portfolio to be an actively managed fund. So the investment manager of that fund is trying to buy and sell, you know sorry, pick investments to make sure they're performing well, outperform against the market or the index that they're trying to track against. And they're trying to make money, by doing, yeah, more active management style in that fund. They haven't unfortunately been able to do that.\n\nI've been along have been a bit up and down over the past few years. They've had some really good returns and some not so good years. Unfortunately, in the last couple of months, some of the underlying investments within their portfolio have been underperforming, which has caused them to underperform. They haven't been able to get out of them and have had some of their underlying investments have had some legal issues as well. So I would like to look at moving you out of that investment.\n\nI feel like it's had enough time to try and build the returns, and it's not\n\nChannel 1: Yes.\n\nChannel 0: longer doing that. So it's time to give it a flick and find something a little bit better for you. Are you comfortable\n\nChannel 1: Yes.\n\nChannel 0: with me looking at something like that for you?\n\nChannel 1: Yes. Absolutely.\n\nChannel 0: Yeah. Beautiful. Now because looking at your age and stage, now you are quite young. You've got a lot of time ahead of you before real estate you can access super. You can't access super under the current legislation until the age of 60 there.\n\nDo you feel like you would want me to put something in its place that is more in that active management style, or would you like to look at something a bit cheaper as an investment that might save you on fees, but that might be a bit more diversified and might give you a bit more of a passively managed exposure. Do you know which way you'd like me to look, or did you have more questions about that?\n\nChannel 1: If we reassess in twelve months, can I go the more active side?\n\nChannel 0: Yeah. Yeah. Definitely.\n\nChannel 1: And then,\n\nChannel 0: Did\n\nChannel 1: no,\n\nChannel 0: you want\n\nChannel 1: in\n\nChannel 0: me to\n\nChannel 1: twelve\n\nChannel 0: look\n\nChannel 1: months\n\nChannel 0: at things\n\nChannel 1: time.\n\nChannel 0: yeah. Did you want me to look at something passive for the moment, and then we just reevaluate it next time you review?\n\nChannel 1: Sorry. Were you doing something safe\n\nChannel 0: Do you was that yeah. It's up to you. So if you look at more of a passively managed investment, essentially, that's in more buying into a certain index fund. It can provide greater diversification.\n\nChannel 1: Or\n\nChannel 0: A passively managed fund is where the investment manager is just tracking the index. So as an example, you have the S and P 500 in your investment portfolio, and that's a passively managed fund because the investment manager is just tracking the S and P 500. Whenever there's changes within the S and P 500 index, there's changes within the S and P 500 investment that you're in as well. They're not trying to outperform against the market. They're just participating in the market.\n\nMore often than not, you can actually get greater returns by doing that because the investment manager is not trying to pick the top and the bottom. They're not trying to value companies and buy in at certain times. Therefore, they are actually taking a little bit less risk in the market. They're staying invested throughout the downtime. They just keep pulling money in whenever they need to, and they're not trying to pick the top and the bottom of the market.\n\nActive\n\nChannel 1: Yep.\n\nChannel 0: managers are. They're trying to pick the top and the bottoms. They don't always do that. No active manager has ever had a track record of doing it perfectly every time. They're valuing companies and trying to find when they're undervalued and buying at the right time, and they can take a bit more risk for doing that.\n\nWith a investment manager that is more actively managed, you pay a bit more in fees, so the management fee can be a little bit higher. Whereas having more of a passively managed fund, you actually are saving it. They're not doing as much trading. They're not trying to outperform, and they're not doing they're still working as hard, but they're not doing as much buying and selling. They're just, you know, not trying to outperform against the market and beat the market and try to get greater returns.\n\nSo it can actually be a little bit more cost effective and cheaper for you as well. Does that make sense?\n\nChannel 1: Yeah. Absolutely. Let's do that.\n\nChannel 0: Yeah. Do the second one or\n\nChannel 1: Through\n\nChannel 0: the\n\nChannel 1: the\n\nChannel 0: first\n\nChannel 1: past\n\nChannel 0: one?\n\nChannel 1: due. The past due.\n\nChannel 0: The first one? Yeah. That's okay. One of the things I am looking at as well as with Bannalong, you have that investment manager holds generally between 15 to 20 different investors depending on what they're holding. With some of the passively managed funds, you can have the investments.\n\nThe underlying investments can be a lot greater, like 200 odd. And having more investments in a fund helps to diversify your portfolio, which can help to lower the risk side of things. So if you looked at something a bit more passive, like saving fees, help to cover your insurance premiums, provide a bit more growth there if you're comfortable to, and also help to lower the risk of your portfolio by providing greater diversification. Does that make sense?\n\nChannel 1: Thank you.\n\nChannel 0: Yeah. Did you want me to look at that for you?\n\nChannel 1: Yeah. That will be great. Thank you.\n\nChannel 0: Yeah. That's okay. I have a a couple of really good options that I've been able to use to put in place there, but we don't want anything more underperforming for you. So we'll look at moving that out, and update the advice for you. I'll also\n\nChannel 1: Yep.\n\nChannel 0: send through those quotes after the call so you can let me know what you're comfortable with when it comes to the insurance side of things, and I can do one advice piece for you. Looking at reducing insurances, looking at replacing the investment for you, put all of that together over the next sort of five years, and show you how that, what kind of an effect that has. Does that sound alright?\n\nChannel 1: Yeah. That'd be great.\n\nChannel 0: Fantastic. Excellent. Now, Bruce, the other thing is you also do you also do do your non concessional contributions and claim your notice of intent at the end of the year.\n\nChannel 1: Yes.\n\nChannel 0: I believe I have a note here that you were emailed the notice of intent. I just wanna make sure that that is all good for you to sign and have applied.\n\nChannel 1: Mississippi\n\nChannel 0: You.\n\nChannel 1: is hold on. Give me one sec. Let me see. I'm gonna let my schedule. I I I didn't see it come through.\n\nChannel 0: No. That's okay. Net loss has been a little bit slow. It's not actually opening the portal for me at the moment. But you make those regular contributions on a weekly basis at the moment still, don't you?\n\nChannel 1: I was doing that. And because I have to do it, my accountant, what I was contributing to my super and then what I was able to claim, I was losing a fair bit. So she did\n\nChannel 0: Yes.\n\nChannel 1: start doing an intent to claim at the end of the calendar year and then\n\nChannel 0: Mhmm.\n\nChannel 1: again at the end of financial year.\n\nChannel 0: That is the best way because your insurance premiums\n\nChannel 1: Yes.\n\nChannel 0: got to come out partway through the financial year. So to get the best of that benefit claiming the NOI before your insurance premiums come out, and then another one doing a an adjustment at the end of the financial year does allow you to claim a much greater portion. Absolutely. Yeah.\n\nChannel 1: Is it and then she was thinking if I just put it in my savings account and at the end of financial year, just put in the lump sum in. Does\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: You could\n\nChannel 1: still benefit\n\nChannel 0: abs\n\nChannel 1: or would that still\n\nChannel 0: yeah.\n\nChannel 1: lose too much\n\nChannel 0: You\n\nChannel 1: in?\n\nChannel 0: no. You can absolutely do it that way. The main sort of benefit to doing it on a regular basis over the course of the year is that you are dollar cost averaging. So putting in a lump sum at the end of the year boosts your super the the amount goes into your super fund at one time, and then it's invested in the market at one time. So if you're putting, say, 10 or 20 or 30% sorry, thousand in at one time, that 30,000 is invested into the market.\n\nIf the market then takes a bit of a dip the next day, that money is still invested, and then your super fund goes down, And then that can have an effect on the return.\n\nChannel 1: Yep.\n\nChannel 0: Whereas if you are putting smaller amounts in over a regular period of time, you actually end up buying in the investments and holding more of the investments and taking a greater advantage of the market reactions. It's called dollar cost averaging. It helps to even out returns, even at the buy price of your investments, and can have a greater effect on your returns over the course of the year. This the down sort of side is that because your insurance premiums come out, how your contributions go in I'm not sure if your account's explained or not. You've got two portions of your super.\n\nYou have a taxable component and a tax free component. When you make those contributions, they go into your tax free component, and any employer contributions are in the taxable side of things. Whenever your insurance premiums come out of your account, they come out proportionate. So if you had, you know, 20% tax free and the rest taxable, it would come out 80% taxable, 20% tax free, and that is how your insurance premiums are paid. And because it comes out that way, it's not seen as a withdrawal, but it is seen as lessening how much you have available to claim.\n\nSo your insurance premiums do have that effect. Realistically, being able to put that money in on a regular basis has a greater effect to your super. I would just wanna, as your accountant said, make sure we are claiming that and and notice of intent on a regular basis before your insurance premiums and then after those again.\n\nChannel 1: Yep.\n\nChannel 0: But it's also up to you on what's comfortable for you because you're busy. You've got a business. It's growing. If you're more comfortable holding off and doing it at the end of the financial year, that's absolutely fine. What's more comfortable for you?\n\nHow do you sort of find putting the contributions in, and what would you prefer?\n\nChannel 1: I've seen up a purchase to go straight to theirs. That way, I can't touch it and use it for something else.\n\nChannel 0: Yep.\n\nChannel 1: So maybe\n\nChannel 0: Yep.\n\nChannel 1: I'll just continue to do the one at the end of calendar year and then again at the end of the financial year and just still do 200 a week.\n\nChannel 0: Yeah. Yeah. Absolutely. So I'm just gonna have a quick look at the certificate of currency here for you because I can tell you when your insurance premiums come out. Let's have a look.\n\nSo your anniversary date on this one is around about December. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So if you were to do that notice of intent so it's about the December 10 there. So if you were to do that notice of intent, it's the same as you have been, you know, at calendar year, claiming it probably a week out from when your insurance, like, make sure your last payment goes in just before that. Claim a notice of intent for everything you have claimed, then your\n\nChannel 1: Yes.\n\nChannel 0: insurance premium comes out on the tenth, and then we make the next payment thereafter. And then at the end of the financial year, we just do a variation.\n\nChannel 1: Yep.\n\nChannel 0: And it's easy to do. We can actually set it up to do it that way for you to make it nice and easy. I'll just get the team to give you a call in December, confirm when your next last contribution will go in before Christmas.\n\nChannel 1: Yep.\n\nChannel 0: We claim the notice of intent, get you to sign it, send it back to us. We'll send it to Netwealth to have it claimed. And then end of financial year, we can help you to sign the last one there and just do a quick variation. Did you want me to organize that for you?\n\nChannel 1: Mhmm. That that would be great.\n\nChannel 0: Yeah. Beautiful. You do get the best benefit by doing it that way, but it's also gotta work in with your life too because you're busy. You've got a lot\n\nChannel 1: Yeah.\n\nChannel 0: going\n\nChannel 1: Yep.\n\nChannel 0: on.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Well, I'll do that. And you're still comfortable with the $200 per week. You're not planning to change or alter that at the\n\nChannel 1: No. I'm happy\n\nChannel 0: moment?\n\nChannel 1: with that. I mean, I look at\n\nChannel 0: Yep.\n\nChannel 1: it that I prefer to put that money away and it come out of of my tax bill at the end of the year.\n\nChannel 0: Yeah. Absolutely. Absolutely. We all pay way too much in tax, don't we? Beautiful.\n\nAll good. Well, I'll definitely organize that for you. I'll add that into the advice to reflect. I just wanted to update a few additional details here for you just to sort of see what else might have changed over the course of the year.\n\nChannel 1: Yep.\n\nChannel 0: Now having a look, we've confirmed your income. Everything's going well with the cake shop there. You've got good growth. Assets and liabilities, now we've got your update of mortgage amount. The amount of the property on your main primary residence, you have that valued about 900,000 last year.\n\nWhat kind\n\nChannel 1: Alright.\n\nChannel 0: of value do you put on that now?\n\nChannel 1: I'd probably it'd definitely be over 1,000,000.\n\nChannel 0: Yep.\n\nChannel 1: I'd probably go $1.01 to 1.2. I'm\n\nChannel 0: Yep.\n\nChannel 1: happy to go around the 1,000,000 because, obviously, I just think now at the moment, we just had the pricing coming starting to come down a little bit. So,\n\nChannel 0: Yes.\n\nChannel 1: yeah, maybe go, yeah, between one and 1.2. We haven't actually had a valuation done, but given our land when we received our land valuation and other is selling within the area\n\nChannel 0: Yeah.\n\nChannel 1: because they keep ringing and asking if we wanted to sell, and they tell us what next door sell for or not. So, yeah, I probably got that\n\nChannel 0: Yeah.\n\nChannel 1: 1.2\n\nChannel 0: Yep.\n\nChannel 1: at most.\n\nChannel 0: Beautiful. Excellent. And we also had two cars down here. I apologize. I don't have a a note of which car is which, but the first one I had valued at 50,000.\n\nWhich car would you have valued valued at 50,000\n\nChannel 1: That would\n\nChannel 0: last\n\nChannel 1: be\n\nChannel 0: year?\n\nChannel 1: my husband's I do do m UX.\n\nChannel 0: Beautiful. I'm just gonna put here a m u x next to it so I can tell\n\nChannel 1: Yep.\n\nChannel 0: which one's which. And that vehicle's owned outright as well?\n\nChannel 1: It is. Yes.\n\nChannel 0: Fantastic. And then I've got a secondary vehicle here with an asset value of about 7,000. Which car would you value about\n\nChannel 1: I don't\n\nChannel 0: there?\n\nChannel 1: have that anymore. That died last year.\n\nChannel 0: Oh, oh, I'm so sorry. Oh, no.\n\nChannel 1: So I had to buy a new one.\n\nChannel 0: Oh, what did you end up getting?\n\nChannel 1: I got the Cherry Tiggo four.\n\nChannel 0: Wow. My mom bought one of those. Do you like it?\n\nChannel 1: I do. I just needed to buy the cheapest car because of I, you know, I wasn't anticipating having to buy a car\n\nChannel 0: Yeah.\n\nChannel 1: last year with the business and everything. So I'm just like,\n\nChannel 0: Yeah.\n\nChannel 1: oh, and I heard they they won the best small car of 2024 or 2025. I'm like, I'll I'll go with\n\nChannel 0: Yes.\n\nChannel 1: it. And, yeah, I test drove it, and I love it.\n\nChannel 0: Yes. Oh, lovely. Yes. She loves it too. She thinks it's\n\nChannel 1: Yeah.\n\nChannel 0: great. It was just a cheap car to get around, only travels\n\nChannel 1: Yep.\n\nChannel 0: locally. And I\n\nChannel 1: Yep.\n\nChannel 0: was like, look. It's just it's a much of a muchness. You just gotta be happy with the car you've you've got. And sometimes just buying\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: a cheap car and a new car is easy to buy over a used car. Like, you never know what\n\nChannel 1: Yeah.\n\nChannel 0: you're getting, at least with\n\nChannel 1: Yep.\n\nChannel 0: a new car. Even with the Cherries, you have that, you know, that security. If there's something's wrong, they're gonna have to fix it. So\n\nChannel 1: Yes.\n\nChannel 0: I agree.\n\nChannel 1: Absolutely.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So, yes, for\n\nChannel 0: So\n\nChannel 1: that\n\nChannel 0: what\n\nChannel 1: one, for now, the\n\nChannel 0: Wow.\n\nChannel 1: value of that one was\n\nChannel 0: Yeah.\n\nChannel 1: I think I pay all I thought was 31,000.\n\nChannel 0: Okay. And would you value it about the same?\n\nChannel 1: Yeah. Maybe to pay 30,000.\n\nChannel 0: Yes. Beautiful. Excellent. And with your husband's there, I know they hold their value really nicely, but would you keep that about 50,000, do you think?\n\nChannel 1: I would. He's just a limited edition. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I'd probably say still 50,000.\n\nChannel 0: Beautiful.\n\nChannel 1: Just over\n\nChannel 0: Excellent.\n\nChannel 1: five years old.\n\nChannel 0: No. Not a problem at all. And then we've got the boat noted down as well with a value of 20,000. Would\n\nChannel 1: Yep.\n\nChannel 0: you alter or change that? Keep it\n\nChannel 1: No. I'd keep that\n\nChannel 0: yeah. Beautiful. And any other assets, any other cars, boats, caravans, collections, anything of value, shares, or cryptocurrency that you've got back\n\nChannel 1: the\n\nChannel 0: there\n\nChannel 1: same.\n\nChannel 0: at all?\n\nChannel 1: No. Yeah. That's like I put the kids\n\nChannel 0: No.\n\nChannel 1: on there.\n\nChannel 0: I mean, they're more liabilities, aren't they? Aren't they? My\n\nChannel 1: Yes.\n\nChannel 0: three are. All good. And I had here that we were sort of tracking towards retirement of around about age 70. Do you think you're gonna wanna keep working till then, or do you think you'd like to hopefully retire earlier? What's your sort of thoughts moving\n\nChannel 1: Look.\n\nChannel 0: forward?\n\nChannel 1: I could retire tomorrow, but in reality,\n\nChannel 0: Yep.\n\nChannel 1: I'd probably say it'd be close to 70.\n\nChannel 0: 70? Yep. That's okay. We also hear that you were looking to hopefully live on income of about $1,000 a week by that age. Is that still sort of your goal?\n\nI know you've got a bit of time ahead of you that could change down the track, but is that what we're tracking for at the moment,\n\nChannel 1: Yeah.\n\nChannel 0: do you think?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That'd be fine.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. And when we sort of caught up last year, you mentioned that you'd be selling the business in retirement to help sort of fund your retirement aspect. Are you still thinking you might sell that down the track, or are you hoping to keep it open and maybe have employees to work for you in retirement to supplement income? Or what's your thoughts with the business?\n\nChannel 1: At the moment, I'm things up and down at the moment with everything going on,\n\nChannel 0: Yeah.\n\nChannel 1: small businesses and that. I would just quickly say to maybe sell it in the end.\n\nChannel 0: Yes.\n\nChannel 1: I don't know if I could if I'd want to still oversee it with staff.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I still think I'd say sell it.\n\nChannel 0: Yep. Yep. That's okay. Excellent. And what sort of value would you put on the business as a whole\n\nChannel 1: Not\n\nChannel 0: at\n\nChannel 1: good.\n\nChannel 0: the moment if you were to sell it? I know it's a tough a tough one.\n\nChannel 1: No. Well, at the moment, I can't sell it because I'm still a sole trader.\n\nChannel 0: Sorry.\n\nChannel 1: So I haven't become a company\n\nChannel 0: Yes.\n\nChannel 1: yet. So I've I wouldn't even have a clue. I couldn't\n\nChannel 0: No.\n\nChannel 1: give\n\nChannel 0: No.\n\nChannel 1: you\n\nChannel 0: That's okay. That's not a problem at all. Are you planning on sort of changing everything to a company structure moving forward in the future, or you sort of think it'll probably stay about the same? What's your\n\nChannel 1: I'm hoping to. My accountant\n\nChannel 0: Yeah.\n\nChannel 1: is just advised at the moment my tax bracket is still better off as a sole trader before coming a company. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, at the moment, she's advised just to stay with that. I mean, in the next couple of years, I've just employed a school based apprentice. She's starting\n\nChannel 0: Yeah.\n\nChannel 1: next\n\nChannel 0: Oh,\n\nChannel 1: semester.\n\nChannel 0: excellent.\n\nChannel 1: Yeah. So she'll\n\nChannel 0: Yes.\n\nChannel 1: be doing one day a week for me. So, hopefully, once I get her on board, because it is just me at the moment,\n\nChannel 0: Damn.\n\nChannel 1: I'm just wanting to try and grow it a little bit more.\n\nChannel 0: Yes.\n\nChannel 1: Then, hopefully, within the two years become a company.\n\nChannel 0: Yeah. Beautiful. Next two years. Excellent. And do you have any other goals that you're sort of working towards that you'd like to sort of maybe achieve, or is it more just, you know, working on through from building towards retirement and also looking at building the business?\n\nChannel 1: Yeah. Just sorry at the moment.\n\nChannel 0: Yep.\n\nChannel 1: That's\n\nChannel 0: That's\n\nChannel 1: enough.\n\nChannel 0: okay. No. Not a problem\n\nChannel 1: Just trying\n\nChannel 0: at all.\n\nChannel 1: to get through life day by day.\n\nChannel 0: Yeah. Absolutely. Now the only other thing I just wanted to touch on with insurance is we are looking at trying to reduce the cost of cover at the moment, and, obviously, you have a lot going on with your business and growing and expenses outside with the cost of living.\n\nChannel 1: Yep.\n\nChannel 0: You have your life, your TV, your income protection policy. You don't have any extra cover, life trauma or child trauma. These sorts of policies can pay out a lump sum tax free benefit in the event of, say, a large major diagnosis like cancer, stroke, heart attacks. With child trauma, you can cover your children up to the age of about 15 to 16 depending on what age they are. How old are your kids?\n\nChannel 1: My eldest is 15, and my youngest is 12.\n\nChannel 0: Okay. So entry age for child trauma is anywhere up to sort of 15 or 16 depending on the policy type. And, again, it can also cover your kids for traumatic events like heart attacks, strokes, cancers, lots of different illnesses and things that can sort of hit adults and children as a traumatic event. These sorts of policies are held outside of super, so they are an external cost. They're not tax tax deductible in any way because they're not linked to your income.\n\nChannel 1: Yep.\n\nChannel 0: But did you wanna look at getting any new types of cover outside of super, like trauma and and or child trauma, or are you happy just to try and get the cover inside super reduced a little bit to save some money? What's your thoughts there?\n\nChannel 1: Yeah. I'll probably just try and get the cover inside, reduce it a little bit if I can.\n\nChannel 0: Yeah. Absolutely. Absolutely. Not a problem at all. Well, I've definitely got somewhere to go with that.\n\nI've got some really good ideas to update the advice there for you. I'll go back and do a little bit of research around that aspect, just making sure that the investment we choose put into place is working well for you. I'm trying to save you a bit in fees as well because having a bit more money invested with your balance at the moment, keeping fees as low as possible is a good idea. It keeps more money in your super compounding towards your retirement goals. And then also the same thing with trying to reduce those insurance premiums.\n\nKeeps more money in your super compounding so we can hopefully see a much greater return. The return essentially was great prior to your insurance premiums coming\n\nChannel 1: Yep.\n\nChannel 0: out. So\n\nChannel 1: Yep.\n\nChannel 0: we wanna see your balance grow a little bit higher and a little bit better towards your goals. So once you sort of see your balance get over that 1,000 sorry. A 100,000 to $150,000 mark, you see the compounding effect get a lot bigger there. So we just need to push it a little bit higher if we can,\n\nChannel 1: Yep.\n\nChannel 0: and then sort of, you know, see it grow, and you'll see the compounding effect grow even more from there. It's one of those things we slug it out over the first ten to fifteen years to get our super balance up to that sort of, you know, one hundred and fifty to two hundred thousand dollar mark. Once you kinda get over that mark there, the compounding effect is a lot bigger, and it tends to grow a lot faster for you as well. So I'll put the advice and see what we can do to help you along in that way. Okay?\n\nChannel 1: Yes. Now just looking I'm just I think I found the intent to claim. It's the Super Accelerator personal super form that\n\nChannel 0: That\n\nChannel 1: it has\n\nChannel 0: should be\n\nChannel 1: my\n\nChannel 0: it. Yeah.\n\nChannel 1: concessional contributions taxed at 15 percent\n\nChannel 0: Yep.\n\nChannel 1: and then a non concessional. Perfect. So I do have that. He sent that through\n\nChannel 0: Beautiful.\n\nChannel 1: to me on the seventeenth.\n\nChannel 0: Does okay. Do me a favor. Don't sign it just yet. I just wanna double check the form. I'm gonna go back into the file just to double check the form that has been signed because it looks like now I'm just double checking.\n\nDid you I can see here that in your transactions, it looks like you did did you sign one in December at all? I'm\n\nChannel 1: I\n\nChannel 0: just\n\nChannel 1: would\n\nChannel 0: having\n\nChannel 1: have done\n\nChannel 0: a look.\n\nChannel 1: that intensive claim in December. My accountant would have done would have asked me to do it.\n\nChannel 0: Sorry.\n\nChannel 1: Which I would have done myself through the web through the online\n\nChannel 0: Yeah.\n\nChannel 1: report and\n\nChannel 0: Yeah.\n\nChannel 1: statement.\n\nChannel 0: This is last night. Okay. So it looks like here the contributions, it looks like your notice of intent, you've signed it on the fifteenth.\n\nChannel 1: Of June.\n\nChannel 0: Yeah.\n\nChannel 1: I haven't I haven't signed anything. He\n\nChannel 0: Didn't\n\nChannel 1: just did\n\nChannel 0: sign it.\n\nChannel 1: a intent to claim and sent\n\nChannel 0: Okay.\n\nChannel 1: it through. Just from I'm just gonna bring up our my email to the guy that\n\nChannel 0: Yeah. You're right.\n\nChannel 1: rang\n\nChannel 0: Because\n\nChannel 1: me.\n\nChannel 0: I can see the contributions tax. I can see the contributions tax fee has been added to the account already. So it's like it has been submitted. Contribution going in.\n\nChannel 1: So Caden?\n\nChannel 0: Yes.\n\nChannel 1: Okay. So, yes, they're saying so wanting to intent to claim. Would you like to make a notice of intent to claim for my personal contributions? And I said yes. But\n\nChannel 0: Mhmm.\n\nChannel 1: he then\n\nChannel 0: Yep.\n\nChannel 1: submitted that for me.\n\nChannel 0: Yep. So it has been submitted. Yeah. That's absolutely fine. That's fine.\n\nI just wanted to make sure that the contributions were all correct on the form. But yeah. No. Look. It has all gone through.\n\nIt has been claimed. That should be fine. You should get the confirmation letter. Has Netwealth sent the confirmation letters through to say they have completed that?\n\nChannel 1: I've just got the letter list. I've just got the letter, which is the super Accelerator purse good afternoon. Please wanna attach important correspondence relating to your network account. Should you have\n\nChannel 0: Yes.\n\nChannel 1: any queries in relation to this email, please contact NetWell. And then there's a PDF with the super accelerator personal super. Thank you for lodging a section tax notice\n\nChannel 0: Yep.\n\nChannel 1: for the financial\n\nChannel 0: Perfect.\n\nChannel 1: year ended in June 3.\n\nChannel 0: That's it. Yeah. That's\n\nChannel 1: Yep.\n\nChannel 0: the one. So that basically says that the contribution that the notice of intent has been claimed. The only\n\nChannel 1: Yep.\n\nChannel 0: thing I would have sort of wanted to hold off on is if you wanted to make another contribution before the end of the year, but that all has been claimed now.\n\nChannel 1: Oh,\n\nChannel 0: Are\n\nChannel 1: okay.\n\nChannel 0: you intending\n\nChannel 1: Yep.\n\nChannel 0: to make one more contribution by the end of this year, or are you just sort of planning to start again in July? Or\n\nChannel 1: No. I'm just going to start again in July.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: Yeah. So that\n\nChannel 0: That's\n\nChannel 1: would be the\n\nChannel 0: fine.\n\nChannel 1: final one. So yeah. So and\n\nChannel 0: Yes.\n\nChannel 1: then all of the contributions were taxed at 15%. So there was no non concessional\n\nChannel 0: Yep.\n\nChannel 1: contribution. Is that is that correct?\n\nChannel 0: No. Yes. So what happens is all the contributions, the $200 that you've been putting into the account, that all goes in. When you claim that notice of intent, that means the super fund takes 15% tax out of the contributions, and then they become taxable.\n\nChannel 1: Yep.\n\nChannel 0: So, yeah, the tax has\n\nChannel 1: Yep.\n\nChannel 0: all been taken out.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Perfect. Awesome.\n\nChannel 0: That's absolutely fine. I just wanted to make sure and double check that there wasn't another contribution through. So\n\nChannel 1: Oh,\n\nChannel 0: I'll\n\nChannel 1: okay.\n\nChannel 0: let the team\n\nChannel 1: Yeah.\n\nChannel 0: know that\n\nChannel 1: No.\n\nChannel 0: that's\n\nChannel 1: No. Yep.\n\nChannel 0: all been submitted. Just wanna make sure you didn't miss any contributions. That's all.\n\nChannel 1: Yep.\n\nChannel 0: And I'll make sure that they also make contact in December just\n\nChannel 1: Yep.\n\nChannel 0: to allocate another another one. I'll get someone to give you a call so you'll hear from my admin team member, Samantha, and she'll give you a call to let you know they're gonna claim the notice of intent now, that we just wanna make sure no additional contributions go in until after your insurance premiums come out. And we can make a habit of doing that for you every year to make it easier. That\n\nChannel 1: Yep.\n\nChannel 0: way you get the most of that benefit of that that non that contribution you put into your super. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Beautiful. Do you have any other questions or anything else in relation to the contributions or\n\nChannel 1: Perfect.\n\nChannel 0: the notes\n\nChannel 1: No.\n\nChannel 0: of intent?\n\nChannel 1: I think we've\n\nChannel 0: Or\n\nChannel 1: covered I think we've covered everything.\n\nChannel 0: Beautiful. Beautiful. Now the last thing I'm gonna run through really quickly is just a risk profile questionnaire. I know we do one of these every year. Just making sure that you are invested correctly, making sure I'm looking at the right portfolio for you.\n\nThe first one here is just have you ever invested in direct shares or managed funds outside of super? The last ones\n\nChannel 1: No.\n\nChannel 0: we always had no one. Have you? You haven't bought any shares? Nope. That's\n\nChannel 1: No.\n\nChannel 0: okay.\n\nChannel 1: Don't know what I'm doing, so no.\n\nChannel 0: That's okay. If there's ever something you wanted to look at doing, come and have a chat with us. We do also build investment portfolios outside of super, and we can definitely look at helping you in that area as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Perfect.\n\nChannel 0: Beautiful. Now looking at the average rate of return you're looking to try and get from your super, obviously, we're gonna try and get the best rate of return we possibly can on a yearly basis, make our super work as hard as possible. I'll tick the box number one for you there. The next one here is asking essentially with the market ups and downs, with how we're invested. When we are taking on more risk in the market, we do expect to have negative years or years where the portfolio doesn't perform as well due to market expectations and what happens globally.\n\nSo this is probably a really good example of that. We have seen what's been going on between The US and Iran. It has made the market a bit volatile. We have seen those ups and downs. When you kinda think about the level of risk you're taking, do you consider yourself happy to take on a higher level of risk now to try and get the best returns you can knowing you're also taking you know, you also have the risk of a negative downturn in those sorts of times, or do you consider yourself more less risky, not wanting to take on as much risk and see as much of a downturn?\n\nHow do you sort of rate yourself in that?\n\nChannel 1: I was I think I was more of a risk last year.\n\nChannel 0: Yeah.\n\nChannel 1: I suppose for them, it isn't just going up so much up and down at the moment. I mean, I probably maybe would tend to go a little bit more safer.\n\nChannel 0: Yep. Yep. So you sort of see see yourself in the middle. If you sort of looked at it on a scale of one to five, five being very risky, a 100% invested in the market, one being no risk at all, all in cash essentially or very little risk. Would you sort of see yourself in the middle around about a three, or do you think you'd be a little bit lower?\n\nChannel 1: I'd probably say three.\n\nChannel 0: About a three? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. If you did see the market take a bit of a dip over the next twelve months with what we are seeing in the markets generally, do you think you would maybe call us and see what's happening? Would you maybe wanna take advantage of that market reaction and put more money in, or do you think yourself a bit concerned and maybe wanting to put your money into something safer? How do you think you might be feeling?\n\nChannel 1: I think I'd be fine. Like you said, it\n\nChannel 0: Yeah.\n\nChannel 1: you know, it always changes, and I still got a few years to go. So, I mean, if it was\n\nChannel 0: Yeah.\n\nChannel 1: to dip and I was to lose a bit, I'm sure, you know, the cycles go around. So I would hope that it would pick up again.\n\nChannel 0: Yeah. Yeah. Yeah. Absolutely. Perfect.\n\nNow having a look at this one here, you have scored there as more of a growth investor. We do, at the moment, have you invested as a high growth investor. So that's generally where you see 90% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities. And then the other 10% in lower risk defensive investments like cash, bonds, and fixed interest. A high growth portfolio is expected to sort of obtain, sorry, about a eight to 10% on a yearly basis compounding that over time.\n\nAnd the likelihood of a negative return is expected kind of one in every five years. And this sort of portfolio suits someone who's willing to stay invested for about eight years or longer. So you do have that time time horizon ahead of you to stay in that kind of environment. With the way you have scored, it would see us reduce your risk level a little bit by about 10% to the growth portfolio, which has an 8080% in growth investments and 20% in defensive lower risk investments. Again, it has the likelihood of a negative return, kind of one every five years, And we're trying to sort of obtain average returns of about seven to 9% on a yearly basis, and it has a six year time horizon for investment.\n\nDo you think that you wanna stay where you are for another year and just maybe adjust the portfolio a bit, or do you wanna look at reducing your risk level? How do you feel about that?\n\nChannel 1: We could just see where I am at the moment.\n\nChannel 0: Yep. Beautiful. So we'll stay high growth there currently,\n\nChannel 1: Yep.\n\nChannel 0: and then we'll just adjust the portfolio and see what that does over the\n\nChannel 1: Yep.\n\nChannel 0: next twelve months. Does that sound okay?\n\nChannel 1: Yeah. That's great.\n\nChannel 0: Yeah. Beautiful. And did you wanna do another catch up in another six months or so around about December to see how things are going, or are you happy with just a a regular annual review once a year? What would you like to see?\n\nChannel 1: I think I'm happy with the twelve monthly.\n\nChannel 0: Yep. Beautiful. Lovely. Not a problem at all, Brooke. Excellent.\n\nWell, what I'll do is I'll go back and do a bit of research there for you. I'll get those quotes downloaded and emailed to you shortly. Do feel free to let me know if there's any issues or if you have any questions with regard to those. I can always come back and generate additional quotes there for you. I'm just double checking.\n\nThe last thing here is your your sorry. Beneficiaries. I have noted here that in the event of something happened, you wanted everything to be paid to your husband. That is still correct. You don't wanna change those in any way, shape, or form.\n\nChannel 1: No. No. We're still we're still\n\nChannel 0: No.\n\nChannel 1: together.\n\nChannel 0: You're still good. Lovely. I didn't think you did. Easy. He's probably very upset if you did change those.\n\nGoodness. And, also, I've got here that you haven't had a will or power of attorney in place. Have you guys spoken to a lawyer? Have you talked about getting a will drawn up in power of attorneys and those sorts of estate planning documents?\n\nChannel 1: No. Not yet.\n\nChannel 0: No. That's okay. Did you want me to email some information through on a bit of a estate planning on, like, a just cost base on a local solicitor we can refer you through to, or are you happy just to sort of leave that at the moment?\n\nChannel 1: Oh, I'm happy if you could send something through here. That'd be\n\nChannel 0: Yeah.\n\nChannel 1: great.\n\nChannel 0: Yeah. Beautiful. I sort of use it as just to start the conversation, kinda\n\nChannel 1: Yep.\n\nChannel 0: gives you an idea of what a solicitor might charge. And there are some other options out there like using the public trustee as well. So I can get that information and attach it for you, which might also be handy and helpful for you guys.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yes. Perfect.\n\nChannel 0: Beautiful. Look. I've touched on a lot. Do you have any additional questions? Is there anything that I've missed or that you wanted to sort of have me touch on this afternoon that you\n\nChannel 1: No. I think\n\nChannel 0: additionally?\n\nChannel 1: we've covered it all.\n\nChannel 0: Beautiful. All good. Well, thank you so much for your time. I will let you go. You have a great afternoon.\n\nI'll get cracking on the research and get those quotes out through to you, and then we'll go from there and update the advice. My team will let you know once that's ready to go, and we'll\n\nChannel 1: Yep.\n\nChannel 0: book you back in and go through the advice together. Okay?\n\nChannel 1: Okay. Perfect. And I'll sign that\n\nChannel 0: Perfect.\n\nChannel 1: to that form that came through.\n\nChannel 0: Yeah. Legend. Thank you so\n\nChannel 1: Yep.\n\nChannel 0: much.\n\nChannel 1: That's\n\nChannel 0: I really\n\nChannel 1: okay.\n\nChannel 0: appreciate that. You have\n\nChannel 1: Thank\n\nChannel 0: a great\n\nChannel 1: you.\n\nChannel 0: afternoon.\n\nChannel 1: I\n\nChannel 0: Thank\n\nChannel 1: will.\n\nChannel 0: you.\n\nChannel 1: You too. Bye.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.52,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.026525527238845825},{"text":"Brooke speaking.","start":1.8399999,"end":2.58,"sentiment":"neutral","sentiment_score":0.027527918107807636}],"sentiment":"neutral","sentiment_score":0.027193787818153698,"channel":1,"num_words":3,"start":1.52,"end":2.58},{"sentences":[{"text":"Hi, Brooke.","start":2.8799999,"end":3.52,"sentiment":"neutral","sentiment_score":0.13162106275558472},{"text":"It's Dana from Open Financial.","start":3.52,"end":4.9,"sentiment":"neutral","sentiment_score":0.1904094099998474},{"text":"How are you this afternoon?","start":5.04,"end":6.18,"sentiment":"neutral","sentiment_score":0.22145954966545106}],"sentiment":"neutral","sentiment_score":0.19354891031980515,"channel":0,"num_words":12,"start":2.8799999,"end":6.18},{"sentences":[{"text":"I'm well.","start":5.7599998,"end":6.08,"sentiment":"positive","sentiment_score":0.3440708816051483},{"text":"Thank you.","start":6.08,"end":6.48,"sentiment":"positive","sentiment_score":0.5368474572896957},{"text":"How are you?","start":6.48,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.3120168646176656}],"sentiment":"positive","sentiment_score":0.38541246737752644,"channel":1,"num_words":7,"start":5.7599998,"end":7.3799996},{"sentences":[{"text":"I'm very well.","start":7.6,"end":8.559999,"sentiment":"positive","sentiment_score":0.4901874860127767},{"text":"Thank you.","start":8.559999,"end":8.96,"sentiment":"positive","sentiment_score":0.5909650325775146},{"text":"I had you booked in to go through your annual review there today.","start":8.96,"end":11.44,"sentiment":"neutral","sentiment_score":0.22185780795720908},{"text":"Is that still a good time for you?","start":11.44,"end":13.38,"sentiment":"neutral","sentiment_score":0.1397984540089965}],"sentiment":"neutral","sentiment_score":0.2559627561041942,"channel":0,"num_words":26,"start":7.6,"end":13.38},{"sentences":[{"text":"No.","start":13.04,"end":13.28,"sentiment":"neutral","sentiment_score":0.03163769841194153},{"text":"Absolutely.","start":13.28,"end":13.78,"sentiment":"neutral","sentiment_score":0.2212863266468048}],"sentiment":"neutral","sentiment_score":0.12646201252937317,"channel":1,"num_words":2,"start":13.04,"end":13.78},{"sentences":[{"text":"Fantastic.","start":14.875,"end":15.375,"sentiment":"positive","sentiment_score":0.4747973084449768},{"text":"Brooke, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":15.915,"end":20.475,"sentiment":"neutral","sentiment_score":0.1952031534165144},{"text":"Are you happy for me to proceed with that?","start":20.475,"end":22.575,"sentiment":"neutral","sentiment_score":0.17330502304765913}],"sentiment":"neutral","sentiment_score":0.19762994699618397,"channel":0,"num_words":34,"start":14.875,"end":22.575},{"sentences":[{"text":"Yeah.","start":22.555,"end":22.794998,"sentiment":"neutral","sentiment_score":0.10922598838806152},{"text":"That's fine.","start":22.794998,"end":23.455,"sentiment":"neutral","sentiment_score":0.1990526020526886}],"sentiment":"neutral","sentiment_score":0.1691103974978129,"channel":1,"num_words":3,"start":22.555,"end":23.455},{"sentences":[{"text":"Fantastic.","start":24.075,"end":24.575,"sentiment":"positive","sentiment_score":0.46498942375183105},{"text":"And do you happen to have access to your emails there at the moment as well?","start":24.715,"end":28.075,"sentiment":"neutral","sentiment_score":0.10065170237794518},{"text":"Or","start":28.075,"end":28.575,"sentiment":"neutral","sentiment_score":0.02926473319530487}],"sentiment":"neutral","sentiment_score":0.11692674416634771,"channel":0,"num_words":18,"start":24.075,"end":28.575},{"sentences":[{"text":"Yeah.","start":28.314999,"end":28.555,"sentiment":"neutral","sentiment_score":0.01659700646996498},{"text":"I'm in front of my laptop at the moment.","start":28.555,"end":30.21,"sentiment":"neutral","sentiment_score":0.019914004020392895}],"sentiment":"neutral","sentiment_score":0.019582304265350105,"channel":1,"num_words":10,"start":28.314999,"end":30.21},{"sentences":[{"text":"oh, fantastic.","start":31.17,"end":31.75,"sentiment":"positive","sentiment_score":0.42955484986305237},{"text":"Excellent.","start":32.21,"end":32.69,"sentiment":"positive","sentiment_score":0.5219357013702393},{"text":"I'm just gonna send through an email to you just with a copy of all your annual review documents there.","start":32.69,"end":37.010002,"sentiment":"neutral","sentiment_score":0.3015899807214737},{"text":"If you wanted","start":37.010002,"end":37.65,"sentiment":"neutral","sentiment_score":0.1299981748064359}],"sentiment":"neutral","sentiment_score":0.30010921307481253,"channel":0,"num_words":26,"start":31.17,"end":37.65},{"sentences":[{"text":"Yep.","start":37.489998,"end":37.989998,"sentiment":"neutral","sentiment_score":0.14241628348827362}],"sentiment":"neutral","sentiment_score":0.14241628348827362,"channel":1,"num_words":1,"start":37.489998,"end":37.989998},{"sentences":[{"text":"to open them up, we'll go through and have a bit of a chat about how your sleep has been going, have a look at any new goals that you do have, and look at any whether any new advice needs to be provided there for you as well.","start":37.65,"end":47.565002,"sentiment":"neutral","sentiment_score":0.25300682503349925},{"text":"Okay?","start":47.565002,"end":48.065002,"sentiment":"neutral","sentiment_score":0.06171149015426636},{"text":"Just wanted to confirm your email address hasn't changed there at all.","start":49.005,"end":52.445,"sentiment":"neutral","sentiment_score":0.009294976674330732},{"text":"So I've got, sorry, brooked.","start":52.445,"end":55.505,"sentiment":"neutral","sentiment_score":-0.040424556285142896},{"text":"Oh, my computer's all this slow.","start":55.71,"end":57.629997,"sentiment":"neutral","sentiment_score":-0.15138611694176993}],"sentiment":"neutral","sentiment_score":0.156988303476868,"channel":0,"num_words":73,"start":37.65,"end":57.629997},{"sentences":[{"text":"Sorry.","start":57.629997,"end":57.79,"sentiment":"neutral","sentiment_score":-0.06356561183929443},{"text":"Can you just repeat your email address to me?","start":57.79,"end":60.05,"sentiment":"neutral","sentiment_score":-0.00580491353240278}],"sentiment":"neutral","sentiment_score":-0.011580983363091945,"channel":0,"num_words":10,"start":57.629997,"end":60.05},{"sentences":[{"text":"Is it brookgibbon@hotmail.com?","start":60.480003,"end":62.58,"sentiment":"neutral","sentiment_score":0.016200033016502857}],"sentiment":"neutral","sentiment_score":0.016200033016502857,"channel":1,"num_words":3,"start":60.480003,"end":62.58},{"sentences":[{"text":"Yes.","start":62.829998,"end":63.07,"sentiment":"neutral","sentiment_score":0.01880185306072235},{"text":"It 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do","start":273.85,"end":281.93,"sentiment":"neutral","sentiment_score":0.041460714980282566}],"sentiment":"neutral","sentiment_score":0.13968895287498048,"channel":0,"num_words":57,"start":262.495,"end":281.93},{"sentences":[{"text":"Yep.","start":281.92502,"end":282.39,"sentiment":"neutral","sentiment_score":0.05450613051652908}],"sentiment":"neutral","sentiment_score":0.05450613051652908,"channel":1,"num_words":1,"start":281.92502,"end":282.39},{"sentences":[{"text":"have your life and TBD with a current sum insured of a bit over a million dollars.","start":281.93,"end":285.945,"sentiment":"neutral","sentiment_score":0.05596949335406808},{"text":"So you're currently covered for a million and 12 and then $16 there at the end.","start":285.945,"end":291.405,"sentiment":"neutral","sentiment_score":0.0706887780688703},{"text":"And then you've also got your income protection policy there as 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there.","start":311.91,"end":315.405,"sentiment":"neutral","sentiment_score":0.11281006038188934},{"text":"So it is good.","start":315.885,"end":316.76498,"sentiment":"positive","sentiment_score":0.42266861349344254},{"text":"You did see a bit of growth there.","start":316.76498,"end":318.285,"sentiment":"neutral","sentiment_score":0.24894494377076626},{"text":"The balance is a little bit lower than where we would expect based on that growth, but it is purely because your insurance premiums are a bit higher as well.","start":318.285,"end":326.04498,"sentiment":"neutral","sentiment_score":-0.039499572850763796}],"sentiment":"neutral","sentiment_score":0.0630150444391701,"channel":0,"num_words":45,"start":311.91,"end":326.04498},{"sentences":[{"text":"Yes.","start":325.995,"end":326.495,"sentiment":"neutral","sentiment_score":0.05570007860660553}],"sentiment":"neutral","sentiment_score":0.05570007860660553,"channel":1,"num_words":1,"start":325.995,"end":326.495},{"sentences":[{"text":"So your insurance premiums essentially ate away all that growth that we saw within that twelve months.","start":326.04498,"end":330.445,"sentiment":"negative","sentiment_score":-0.3448382484562257},{"text":"So that is essentially where this may where this","start":330.445,"end":333.4,"sentiment":"neutral","sentiment_score":-0.11482297960254881}],"sentiment":"neutral","sentiment_score":-0.2652175784684144,"channel":0,"num_words":26,"start":326.04498,"end":333.4},{"sentences":[{"text":"Okay.","start":333.195,"end":333.595,"sentiment":"neutral","sentiment_score":-0.09155327081680298}],"sentiment":"neutral","sentiment_score":-0.09155327081680298,"channel":1,"num_words":1,"start":333.195,"end":333.595},{"sentences":[{"text":"dip 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sense?","start":341.08,"end":342.13998,"sentiment":"neutral","sentiment_score":0.010961928404867649}],"sentiment":"neutral","sentiment_score":-0.15233073241132147,"channel":0,"num_words":34,"start":333.72,"end":342.13998},{"sentences":[{"text":"Yeah.","start":342.1,"end":342.42,"sentiment":"neutral","sentiment_score":0.05778107792139053},{"text":"Yep.","start":342.42,"end":342.66,"sentiment":"neutral","sentiment_score":0.08354728668928146},{"text":"Yep.","start":342.66,"end":342.98,"sentiment":"neutral","sentiment_score":0.09764908254146576},{"text":"So do you think it's worth","start":342.98,"end":343.94,"sentiment":"neutral","sentiment_score":0.09728858061134815}],"sentiment":"neutral","sentiment_score":0.09141210342446963,"channel":1,"num_words":9,"start":342.1,"end":343.94},{"sentences":[{"text":"Yeah.","start":343.89502,"end":344.39502,"sentiment":"neutral","sentiment_score":0.01947757601737976}],"sentiment":"neutral","sentiment_score":0.01947757601737976,"channel":0,"num_words":1,"start":343.89502,"end":344.39502},{"sentences":[{"text":"lowering my my insurance?","start":343.94,"end":346.02002,"sentiment":"neutral","sentiment_score":-0.048712389543652534},{"text":"I mean, I'd like to keep the income insurance 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rent.","start":351.32498,"end":355.82498,"sentiment":"neutral","sentiment_score":-0.09367181292989037}],"sentiment":"neutral","sentiment_score":-0.07614599637411258,"channel":1,"num_words":27,"start":349.78003,"end":355.82498},{"sentences":[{"text":"Yeah.","start":356.07,"end":356.55,"sentiment":"neutral","sentiment_score":0.12562432885169983},{"text":"Absolutely.","start":356.55,"end":357.05,"sentiment":"neutral","sentiment_score":0.24714848399162292},{"text":"Absolutely.","start":357.51,"end":358.01,"sentiment":"neutral","sentiment_score":0.2528643012046814},{"text":"Well, let's have a bit of a look at what it is that you're actually wanting to achieve with your insurances there and to sort of","start":358.47,"end":363.35,"sentiment":"neutral","sentiment_score":0.11294186115264893}],"sentiment":"neutral","sentiment_score":0.12283191393161642,"channel":0,"num_words":29,"start":356.07,"end":363.35},{"sentences":[{"text":"Yep.","start":363.32498,"end":363.63,"sentiment":"neutral","sentiment_score":0.04871902614831925}],"sentiment":"neutral","sentiment_score":0.04871902614831925,"channel":1,"num_words":1,"start":363.32498,"end":363.63},{"sentences":[{"text":"see whether it is worth looking to reduce those at all.","start":363.35,"end":366.16998,"sentiment":"neutral","sentiment_score":-0.05862688273191452},{"text":"Now having a look at your income there last year.","start":366.71,"end":369.385,"sentiment":"neutral","sentiment_score":0.05808179527521133},{"text":"I can see your income was based on around about 90,000 per annum.","start":369.385,"end":373.36502,"sentiment":"neutral","sentiment_score":0.13161867742355055},{"text":"Is that still fairly accurate for your income, or would you say that's gone up or down a little bit in the last year?","start":373.665,"end":379.125,"sentiment":"neutral","sentiment_score":0.07333974066811304}],"sentiment":"neutral","sentiment_score":0.05874342802141247,"channel":0,"num_words":58,"start":363.35,"end":379.125},{"sentences":[{"text":"I just did my 2023, 2024 tax, and that was only","start":379.655,"end":383.335,"sentiment":"neutral","sentiment_score":-0.02538557807830247}],"sentiment":"neutral","sentiment_score":-0.02538557807830247,"channel":1,"num_words":11,"start":379.655,"end":383.335},{"sentences":[{"text":"Mhmm.","start":383.12,"end":383.62,"sentiment":"neutral","sentiment_score":-0.014428745955228806}],"sentiment":"neutral","sentiment_score":-0.014428745955228806,"channel":0,"num_words":1,"start":383.12,"end":383.62},{"sentences":[{"text":"65,000, but that was because I transitioned into my shop.","start":383.335,"end":386.69498,"sentiment":"neutral","sentiment_score":-0.016140893939882515},{"text":"So I","start":386.69498,"end":388.555,"sentiment":"neutral","sentiment_score":0.003021979704499244}],"sentiment":"neutral","sentiment_score":-0.01294708166581889,"channel":1,"num_words":12,"start":383.335,"end":388.555},{"sentences":[{"text":"Right.","start":388.16,"end":388.66,"sentiment":"neutral","sentiment_score":0.007465075701475143}],"sentiment":"neutral","sentiment_score":0.007465075701475143,"channel":0,"num_words":1,"start":388.16,"end":388.66},{"sentences":[{"text":"had spent a lot more in my fit out, and I hadn't earned as much because I was transitioning from","start":388.615,"end":393.895,"sentiment":"neutral","sentiment_score":-0.04095162246376276}],"sentiment":"neutral","sentiment_score":-0.04095162246376276,"channel":1,"num_words":20,"start":388.615,"end":393.895},{"sentences":[{"text":"Okay.","start":393.695,"end":394.195,"sentiment":"neutral","sentiment_score":-0.013031970709562302}],"sentiment":"neutral","sentiment_score":-0.013031970709562302,"channel":0,"num_words":1,"start":393.695,"end":394.195},{"sentences":[{"text":"a cafe to the cake shop.","start":393.895,"end":395.22,"sentiment":"neutral","sentiment_score":0.006341359267632167},{"text":"And, you know, I've only had my business open for just under two years.","start":395.54,"end":399.22,"sentiment":"neutral","sentiment_score":-0.020133701153099537},{"text":"So I kind of needed to gain a bit more 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year","start":405.3,"end":406.82,"sentiment":"neutral","sentiment_score":-0.017504487186670303}],"sentiment":"neutral","sentiment_score":-0.017504487186670303,"channel":1,"num_words":3,"start":405.3,"end":406.82},{"sentences":[{"text":"Yeah.","start":406.8,"end":407.3,"sentiment":"neutral","sentiment_score":-0.02526039630174637}],"sentiment":"neutral","sentiment_score":-0.02526039630174637,"channel":0,"num_words":1,"start":406.8,"end":407.3},{"sentences":[{"text":"so that was 2023, 2024.","start":406.98,"end":408.82,"sentiment":"neutral","sentiment_score":-0.03790050074458122},{"text":"So my 2024, 2025 would no.","start":408.82,"end":413.755,"sentiment":"neutral","sentiment_score":-0.08960184454917908},{"text":"Maybe that was no.","start":413.755,"end":414.39502,"sentiment":"neutral","sentiment_score":-0.14835938066244125},{"text":"Sorry.","start":414.39502,"end":414.635,"sentiment":"neutral","sentiment_score":-0.11466298252344131},{"text":"That was 2024, 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you can be covered for up to $4,958.33 on a monthly basis based on the 70%.","start":456.82498,"end":465.35,"sentiment":"neutral","sentiment_score":0.2381284564733505}],"sentiment":"neutral","sentiment_score":0.26335037894108715,"channel":0,"num_words":34,"start":450.345,"end":465.35},{"sentences":[{"text":"Yep.","start":465.89,"end":466.245,"sentiment":"neutral","sentiment_score":0.1386606991291046}],"sentiment":"neutral","sentiment_score":0.1386606991291046,"channel":1,"num_words":1,"start":465.89,"end":466.245},{"sentences":[{"text":"If I could have a look at this now, so your current sum insured is 5,400 oh, sorry.","start":465.97,"end":473.17,"sentiment":"neutral","sentiment_score":0.0681575160059664},{"text":"I'm actually looking at the wrong document.","start":473.17,"end":475.785,"sentiment":"neutral","sentiment_score":-0.1838479914835521},{"text":"There we go.","start":475.785,"end":476.665,"sentiment":"neutral","sentiment_score":-0.022088296711444855},{"text":"We're up to 5,562 as a monthly benefit there.","start":476.665,"end":481.545,"sentiment":"neutral","sentiment_score":0.07366052932209438},{"text":"So I'll just work out quickly what that is based on your income Five five six two.","start":481.545,"end":490.74,"sentiment":"neutral","sentiment_score":0.09250862239038243}],"sentiment":"neutral","sentiment_score":0.039059737076361976,"channel":0,"num_words":54,"start":465.97,"end":490.74},{"sentences":[{"text":"About twelve months.","start":491.19998,"end":492.34,"sentiment":"neutral","sentiment_score":0.020180239031712215},{"text":"We had you in at, say, 90,000 last year.","start":493.84,"end":497.38,"sentiment":"neutral","sentiment_score":0.032599962419933744},{"text":"Yes.","start":501.45502,"end":501.695,"sentiment":"neutral","sentiment_score":0.13206598162651062},{"text":"So it looks like based on 90,000 of income, the monthly benefit that you are covered for with income protection there is about 74.16% of your income based on 90,000.","start":501.695,"end":514.915,"sentiment":"neutral","sentiment_score":0.15374426618218423},{"text":"Did you","start":515.39996,"end":515.72,"sentiment":"neutral","sentiment_score":0.06667495518922806}],"sentiment":"neutral","sentiment_score":0.11625965014100074,"channel":0,"num_words":45,"start":491.19998,"end":515.72},{"sentences":[{"text":"Yep.","start":515.61,"end":516.105,"sentiment":"neutral","sentiment_score":0.12581630051136017}],"sentiment":"neutral","sentiment_score":0.12581630051136017,"channel":1,"num_words":1,"start":515.61,"end":516.105},{"sentences":[{"text":"feel like keeping your income protection at that higher rate because you are self employed and your income can go up and down and fluctuate might be more important to you?","start":515.72,"end":524.83997,"sentiment":"neutral","sentiment_score":0.10509459794529023},{"text":"Or what's your thought?","start":524.83997,"end":530.035,"sentiment":"neutral","sentiment_score":-0.020600024610757828},{"text":"Difficult one, I know, because you kinda try to cover income that you may earn in the future, but also factoring in if or anything does, you know, if something was to occur in the future at the same time.","start":531.415,"end":540.635,"sentiment":"negative","sentiment_score":-0.41827867925167084}],"sentiment":"neutral","sentiment_score":-0.1807415297627449,"channel":0,"num_words":75,"start":515.72,"end":540.635},{"sentences":[{"text":"Yeah.","start":543.20996,"end":543.70996,"sentiment":"neutral","sentiment_score":-0.04379847273230553},{"text":"My oh gosh.","start":543.77,"end":545.535,"sentiment":"neutral","sentiment_score":-0.11364592611789703},{"text":"I don't 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current benefit period at age 65, you can be on a claim up to age 65 or","start":587.165,"end":591.88495,"sentiment":"neutral","sentiment_score":0.11006897708608045}],"sentiment":"neutral","sentiment_score":0.11006897708608045,"channel":0,"num_words":18,"start":587.165,"end":591.88495},{"sentences":[{"text":"Yep.","start":591.78,"end":592.28,"sentiment":"neutral","sentiment_score":0.10871158540248872}],"sentiment":"neutral","sentiment_score":0.10871158540248872,"channel":1,"num_words":1,"start":591.78,"end":592.28},{"sentences":[{"text":"can be on income protection for that long.","start":591.88495,"end":594.065,"sentiment":"neutral","sentiment_score":0.1352816168218851},{"text":"But reducing the benefit period can make the premiums more cheaper for you.","start":594.57,"end":598.99005,"sentiment":"positive","sentiment_score":0.3455198177924523},{"text":"I can also look at adjusting the income protection monthly benefit for 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applied, I can tell you exactly what we applied for.","start":933.6,"end":937.62,"sentiment":"neutral","sentiment_score":-0.02888087326517472},{"text":"Just in this other section here.","start":938.16003,"end":940.02,"sentiment":"neutral","sentiment_score":-0.0005531093726555509},{"text":"That was in 2020 that we were putting these into place.","start":940.32,"end":942.96,"sentiment":"neutral","sentiment_score":-0.012377939102324572},{"text":"You've had them for quite some time.","start":942.96,"end":944.9,"sentiment":"neutral","sentiment_score":-0.04360620810517243},{"text":"Originally, the recommendation there was sorry.","start":946.16003,"end":953.995,"sentiment":"neutral","sentiment_score":-0.05301007628440857}],"sentiment":"neutral","sentiment_score":-0.026470494261661242,"channel":0,"num_words":43,"start":933.6,"end":953.995},{"sentences":[{"text":"I'm just pulling up the advice document originally just to have a look at what was recommended for 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CPI.","start":979.005,"end":984.065,"sentiment":"neutral","sentiment_score":-0.001768625279267629},{"text":"So the amount that you're covered for increases, but so does the cost of the premium, unfortunately.","start":984.125,"end":988.865,"sentiment":"neutral","sentiment_score":-0.14024132621638916},{"text":"And that essentially has just increased continuously along with in inflation over the past couple of years.","start":990.23,"end":997.37,"sentiment":"neutral","sentiment_score":-0.21582390981561997},{"text":"So you end up with bit over a million.","start":997.43,"end":999.11,"sentiment":"neutral","sentiment_score":-0.029367340521679983}],"sentiment":"neutral","sentiment_score":-0.07610655114872426,"channel":0,"num_words":82,"start":970.25,"end":999.11},{"sentences":[{"text":"So it has increased really nicely.","start":999.11,"end":1000.89,"sentiment":"positive","sentiment_score":0.49213965237140656},{"text":"The idea of doing that is that, you know, we all know a $100 this year isn't worth a $100 next year.","start":1001.51,"end":1007.045,"sentiment":"neutral","sentiment_score":-0.16599882969802077},{"text":"Inflation eight ways, you know, borrowing buying out of our dollars.","start":1007.045,"end":1011.765,"sentiment":"neutral","sentiment_score":-0.17158600823445755},{"text":"So the idea there is that you wanna keep if you had 700,000, you wanna keep that growing with inflation.","start":1011.765,"end":1018.725,"sentiment":"neutral","sentiment_score":-0.04581151967868209},{"text":"So it actually covers what you wanted to, so that's why we just tend to increase those.","start":1018.725,"end":1023.42,"sentiment":"neutral","sentiment_score":-0.03134411003659753}],"sentiment":"neutral","sentiment_score":-0.053100824919774345,"channel":0,"num_words":76,"start":999.11,"end":1023.42},{"sentences":[{"text":"But it does unfortunately mean that your policy the cost of your policy increases along with that, which can be can be a bit much and can does get very expensive over time as you get older as well.","start":1023.8,"end":1035.9249,"sentiment":"negative","sentiment_score":-0.5441382214044913},{"text":"So now for the first quote there, if you like, I'll look at keeping your income protection with the same monthly benefit and just look at reducing the benefit period for you just to give you an idea of what this looks like.","start":1037.345,"end":1050.7899,"sentiment":"neutral","sentiment_score":0.07047057333727215},{"text":"Let's see how much it actually decreases by.","start":1052.85,"end":1055.75,"sentiment":"neutral","sentiment_score":0.029298755689524114},{"text":"Here we go.","start":1056.69,"end":1057.6699,"sentiment":"neutral","sentiment_score":0.022042897219459217},{"text":"30.","start":1059.105,"end":1059.425,"sentiment":"neutral","sentiment_score":0.03501027822494507}],"sentiment":"neutral","sentiment_score":-0.18995347836035045,"channel":0,"num_words":94,"start":1023.8,"end":1059.425},{"sentences":[{"text":"We'll do it as a five year benefit period, and I won't change anything else there.","start":1059.425,"end":1063.925,"sentiment":"neutral","sentiment_score":0.06592569954227656},{"text":"So looking at that, now your current premium, the amount I gave you before the 6,000, that's exactly how that's how much came out out of your super.","start":1064.465,"end":1075.16,"sentiment":"neutral","sentiment_score":0.16641284259302275},{"text":"The insurer actually received over 7,000 for the premium.","start":1075.38,"end":1078.76,"sentiment":"neutral","sentiment_score":0.15338576750622857},{"text":"But just making these changes, so reducing your life and TBD down to 750,000 and then reducing your income protection benefit period.","start":1079.14,"end":1089.255,"sentiment":"neutral","sentiment_score":0.1428658857264302},{"text":"So keeping the amount you're insured for the same, keeping the waiting period of thirty days, and just reducing your benefit period from 65 age sixty five to five years, it reduces the insurance premium to 4,940 and 67¢.","start":1089.255,"end":1104.7201,"sentiment":"neutral","sentiment_score":0.2824277328817468}],"sentiment":"neutral","sentiment_score":0.18557651352499965,"channel":0,"num_words":114,"start":1059.425,"end":1104.7201},{"sentences":[{"text":"So it does save a couple of thousand on the insurance premium there.","start":1104.7201,"end":1108.66,"sentiment":"positive","sentiment_score":0.4809177036468799}],"sentiment":"positive","sentiment_score":0.4809177036468799,"channel":0,"num_words":13,"start":1104.7201,"end":1108.66},{"sentences":[{"text":"Yep.","start":1109.465,"end":1109.67,"sentiment":"positive","sentiment_score":0.3768579959869385}],"sentiment":"positive","sentiment_score":0.3768579959869385,"channel":1,"num_words":1,"start":1109.465,"end":1109.67},{"sentences":[{"text":"So a little over 4,900 just to kind of even it out for you.","start":1111.12,"end":1115.9401,"sentiment":"positive","sentiment_score":0.44438350413526806},{"text":"And then if we were to also reduce the sum insured on your policy and say we brought it back to 70%, did you want me just to look at 70% of 90,000 first so it's kind of a a lesser decrease to start with?","start":1116.515,"end":1132.23,"sentiment":"neutral","sentiment_score":0.00876790163715163}],"sentiment":"neutral","sentiment_score":0.11213431578924705,"channel":0,"num_words":59,"start":1111.12,"end":1132.23},{"sentences":[{"text":"Yeah.","start":1132.3251,"end":1132.5651,"sentiment":"neutral","sentiment_score":0.07146970927715302},{"text":"Yep.","start":1132.5651,"end":1132.885,"sentiment":"neutral","sentiment_score":0.08585488796234131},{"text":"Yep.","start":1132.885,"end":1133.385,"sentiment":"neutral","sentiment_score":0.1559746265411377}],"sentiment":"neutral","sentiment_score":0.104433074593544,"channel":1,"num_words":3,"start":1132.3251,"end":1133.385},{"sentences":[{"text":"Yep.","start":1133.73,"end":1134.13,"sentiment":"positive","sentiment_score":0.34561440348625183},{"text":"Beautiful.","start":1134.13,"end":1134.63,"sentiment":"positive","sentiment_score":0.35083436965942383},{"text":"By '12.","start":1136.13,"end":1136.95,"sentiment":"neutral","sentiment_score":0.19864322245121002},{"text":"That brings us back to $5.02 $5.00 as a monthly benefit.","start":1137.25,"end":1141.75,"sentiment":"neutral","sentiment_score":0.1792394153096459},{"text":"So reducing your monthly benefit brings the the policy premium back to 4,783.","start":1142.345,"end":1148.745,"sentiment":"neutral","sentiment_score":0.14701272088747758}],"sentiment":"neutral","sentiment_score":0.17773336278540747,"channel":0,"num_words":28,"start":1133.73,"end":1148.745},{"sentences":[{"text":"So, again, it's a bit more of a reduction, another $200 there.","start":1148.745,"end":1152.2051,"sentiment":"neutral","sentiment_score":0.02110665539900462}],"sentiment":"neutral","sentiment_score":0.02110665539900462,"channel":0,"num_words":12,"start":1148.745,"end":1152.2051},{"sentences":[{"text":"Yep.","start":1152.585,"end":1152.825,"sentiment":"neutral","sentiment_score":0.02792244218289852},{"text":"Is that over the till I'm 55, or is that still with the five year reduced?","start":1152.825,"end":1156.6849,"sentiment":"neutral","sentiment_score":-0.004990358429495245}],"sentiment":"neutral","sentiment_score":-0.003054311334648553,"channel":1,"num_words":17,"start":1152.585,"end":1156.6849},{"sentences":[{"text":"That's with a five year benefit period.","start":1156.36,"end":1158.7001,"sentiment":"neutral","sentiment_score":0.02826601409053962},{"text":"Yeah.","start":1158.8401,"end":1159.16,"sentiment":"neutral","sentiment_score":0.04351457953453064},{"text":"If you kept it $8.65 and just reduced the sum insured, the monthly benefit back to 70% of your 90,000, it still ends up a bit over 6","start":1159.16,"end":1171.015,"sentiment":"neutral","sentiment_score":0.05588045250624418}],"sentiment":"neutral","sentiment_score":0.0501674818984207,"channel":0,"num_words":36,"start":1156.36,"end":1171.015},{"sentences":[{"text":"Yep.","start":1170.9401,"end":1171.4401,"sentiment":"neutral","sentiment_score":0.01309948693960905}],"sentiment":"neutral","sentiment_score":0.01309948693960905,"channel":1,"num_words":1,"start":1170.9401,"end":1171.4401},{"sentences":[{"text":"thousand dollars for","start":1171.015,"end":1171.895,"sentiment":"neutral","sentiment_score":0.02623032033443451}],"sentiment":"neutral","sentiment_score":0.02623032033443451,"channel":0,"num_words":3,"start":1171.015,"end":1171.895},{"sentences":[{"text":"Okay.","start":1171.74,"end":1172.24,"sentiment":"neutral","sentiment_score":-0.00013594329357147217}],"sentiment":"neutral","sentiment_score":-0.00013594329357147217,"channel":1,"num_words":1,"start":1171.74,"end":1172.24},{"sentences":[{"text":"the premium.","start":1171.895,"end":1172.4551,"sentiment":"neutral","sentiment_score":-0.01406833902001381},{"text":"So it is still quite high.","start":1172.4551,"end":1174.0751,"sentiment":"neutral","sentiment_score":-0.047171429420510926}],"sentiment":"neutral","sentiment_score":-0.03889565682038665,"channel":0,"num_words":8,"start":1171.895,"end":1174.0751},{"sentences":[{"text":"Yeah.","start":1173.9,"end":1174.395,"sentiment":"neutral","sentiment_score":0.03187910094857216}],"sentiment":"neutral","sentiment_score":0.03187910094857216,"channel":1,"num_words":1,"start":1173.9,"end":1174.395},{"sentences":[{"text":"It's that that benefit period that's","start":1174.2151,"end":1176.4551,"sentiment":"neutral","sentiment_score":0.04077864500383536}],"sentiment":"neutral","sentiment_score":0.04077864500383536,"channel":0,"num_words":6,"start":1174.2151,"end":1176.4551},{"sentences":[{"text":"Yeah.","start":1176.395,"end":1176.895,"sentiment":"neutral","sentiment_score":0.017907293513417244}],"sentiment":"neutral","sentiment_score":0.017907293513417244,"channel":1,"num_words":1,"start":1176.395,"end":1176.895},{"sentences":[{"text":"really sort of keeping the the premiums","start":1176.4551,"end":1178.395,"sentiment":"neutral","sentiment_score":0.018672278949192593}],"sentiment":"neutral","sentiment_score":0.018672278949192593,"channel":0,"num_words":7,"start":1176.4551,"end":1178.395},{"sentences":[{"text":"Yep.","start":1178.0751,"end":1178.5751,"sentiment":"neutral","sentiment_score":0.018860887736082077}],"sentiment":"neutral","sentiment_score":0.018860887736082077,"channel":1,"num_words":1,"start":1178.0751,"end":1178.5751},{"sentences":[{"text":"higher there.","start":1178.535,"end":1179.275,"sentiment":"neutral","sentiment_score":0.031109044328331947}],"sentiment":"neutral","sentiment_score":0.031109044328331947,"channel":0,"num_words":2,"start":1178.535,"end":1179.275},{"sentences":[{"text":"Yeah.","start":1179.355,"end":1179.755,"sentiment":"neutral","sentiment_score":0.05037534236907959},{"text":"Yep.","start":1179.755,"end":1180.155,"sentiment":"neutral","sentiment_score":0.03866726532578468},{"text":"Yep.","start":1180.155,"end":1180.655,"sentiment":"neutral","sentiment_score":0.014245421625673773}],"sentiment":"neutral","sentiment_score":0.03442934310684601,"channel":1,"num_words":3,"start":1179.355,"end":1180.655},{"sentences":[{"text":"Yeah.","start":1181.015,"end":1181.415,"sentiment":"neutral","sentiment_score":0.07115106284618378},{"text":"If we then","start":1181.415,"end":1182.055,"sentiment":"neutral","sentiment_score":0.06700333456198375}],"sentiment":"neutral","sentiment_score":0.06804026663303375,"channel":0,"num_words":4,"start":1181.015,"end":1182.055},{"sentences":[{"text":"Thank","start":1181.835,"end":1182.0751,"sentiment":"neutral","sentiment_score":0.09419895708560944}],"sentiment":"neutral","sentiment_score":0.09419895708560944,"channel":1,"num_words":1,"start":1181.835,"end":1182.0751},{"sentences":[{"text":"lose","start":1182.055,"end":1182.295,"sentiment":"neutral","sentiment_score":0.11752256006002426}],"sentiment":"neutral","sentiment_score":0.11752256006002426,"channel":0,"num_words":1,"start":1182.055,"end":1182.295},{"sentences":[{"text":"you.","start":1182.0751,"end":1182.5751,"sentiment":"neutral","sentiment_score":0.15236714482307434}],"sentiment":"neutral","sentiment_score":0.15236714482307434,"channel":1,"num_words":1,"start":1182.0751,"end":1182.5751},{"sentences":[{"text":"both of, say, 70% of 85,000, that gives us a monthly benefit of four so $4.09 $5.08 and 33¢.","start":1182.295,"end":1193.39,"sentiment":"neutral","sentiment_score":0.11341711547639635},{"text":"So $4.09 $5.08 is what they'll do.","start":1193.39,"end":1195.89,"sentiment":"neutral","sentiment_score":0.12785508164337703},{"text":"We keep a five year benefit period for you and reduce your life and take it to 750,000.","start":1197.39,"end":1203.1749,"sentiment":"neutral","sentiment_score":0.19673662674095896},{"text":"The premium is around about $4,637 before the discount is applied.","start":1203.1749,"end":1210.2949,"sentiment":"neutral","sentiment_score":0.16794213313948025},{"text":"So you you get a 15% discount inside super, so you end up paying a little bit less outside of","start":1210.2949,"end":1215.335,"sentiment":"neutral","sentiment_score":0.31821311861276624}],"sentiment":"neutral","sentiment_score":0.19850511848926544,"channel":0,"num_words":75,"start":1182.295,"end":1215.335},{"sentences":[{"text":"Yep.","start":1215.24,"end":1215.74,"sentiment":"neutral","sentiment_score":0.23269812762737271}],"sentiment":"neutral","sentiment_score":0.23269812762737271,"channel":1,"num_words":1,"start":1215.24,"end":1215.74},{"sentences":[{"text":"the super","start":1215.335,"end":1215.895,"sentiment":"neutral","sentiment_score":0.2268943041563034}],"sentiment":"neutral","sentiment_score":0.2268943041563034,"channel":0,"num_words":2,"start":1215.335,"end":1215.895},{"sentences":[{"text":"Yep.","start":1215.8799,"end":1216.3799,"sentiment":"neutral","sentiment_score":0.22499462962150577}],"sentiment":"neutral","sentiment_score":0.22499462962150577,"channel":1,"num_words":1,"start":1215.8799,"end":1216.3799},{"sentences":[{"text":"side of things.","start":1215.895,"end":1216.71,"sentiment":"neutral","sentiment_score":0.20816700160503387},{"text":"But that essentially, based on your current premium, is saving.","start":1217.19,"end":1220.49,"sentiment":"neutral","sentiment_score":0.30645757019519804},{"text":"Let's have a look here.","start":1221.51,"end":1222.63,"sentiment":"neutral","sentiment_score":0.16754518151283265},{"text":"So we're at 0163722.","start":1222.63,"end":1228.1499,"sentiment":"neutral","sentiment_score":0.22970490530133247},{"text":"It's saving you about $2,833 for the first year.","start":1228.1499,"end":1232.925,"sentiment":"positive","sentiment_score":0.4089886678589715}],"sentiment":"neutral","sentiment_score":0.294403878911849,"channel":0,"num_words":31,"start":1215.895,"end":1232.925},{"sentences":[{"text":"It's important that I do note if you do decide to reduce your life, your TBD, and the income protection, reducing is no problem.","start":1233.545,"end":1240.425,"sentiment":"neutral","sentiment_score":0.0706969106492276},{"text":"It's very easy to do.","start":1240.425,"end":1241.785,"sentiment":"positive","sentiment_score":0.3928584083914757},{"text":"But it does mean if something happens and you wanna increase that policy then, you do have to go back to your new application.","start":1241.785,"end":1248.3301,"sentiment":"neutral","sentiment_score":-0.14324124405781427},{"text":"And if there are changes to your health, it could mean the policy gets more expensive.","start":1248.55,"end":1252.39,"sentiment":"negative","sentiment_score":-0.35827118903398514},{"text":"There could be loadings or exclusions applied.","start":1252.39,"end":1254.81,"sentiment":"neutral","sentiment_score":-0.2488617024251393}],"sentiment":"neutral","sentiment_score":-0.09540977501800578,"channel":0,"num_words":76,"start":1233.545,"end":1254.81},{"sentences":[{"text":"Exclusions are essentially any preexisting condition they 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me?","start":1286.925,"end":1289.825,"sentiment":"neutral","sentiment_score":0.018620563360551994}],"sentiment":"neutral","sentiment_score":-0.17719625949393958,"channel":0,"num_words":112,"start":1255.51,"end":1289.825},{"sentences":[{"text":"Can you do, like, a ten year instead of a five year, or is it only five?","start":1290.485,"end":1294.11,"sentiment":"neutral","sentiment_score":-0.03479798242230626}],"sentiment":"neutral","sentiment_score":-0.03479798242230626,"channel":1,"num_words":17,"start":1290.485,"end":1294.11},{"sentences":[{"text":"No.","start":1294.9401,"end":1295.18,"sentiment":"neutral","sentiment_score":-0.2193998098373413},{"text":"It's only five.","start":1295.18,"end":1296.22,"sentiment":"neutral","sentiment_score":-0.1975582242012024},{"text":"So they do two years, five years, or age 65 for income protection, 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do?","start":1307.63,"end":1308.9299,"sentiment":"neutral","sentiment_score":-0.051865437999367714}],"sentiment":"neutral","sentiment_score":-0.051865437999367714,"channel":1,"num_words":5,"start":1307.63,"end":1308.9299},{"sentences":[{"text":"Yeah.","start":1309.355,"end":1309.835,"sentiment":"neutral","sentiment_score":0.09532123804092409},{"text":"Absolutely.","start":1309.835,"end":1310.335,"sentiment":"neutral","sentiment_score":0.01484671887010336},{"text":"I'll generate all of those after the call for you and email them through, and you're","start":1310.635,"end":1314.9551,"sentiment":"neutral","sentiment_score":0.11497562471777201}],"sentiment":"neutral","sentiment_score":0.10832099735529886,"channel":0,"num_words":18,"start":1309.355,"end":1314.9551},{"sentences":[{"text":"Yep.","start":1314.765,"end":1315.265,"sentiment":"neutral","sentiment_score":0.2343323677778244}],"sentiment":"neutral","sentiment_score":0.2343323677778244,"channel":1,"num_words":1,"start":1314.765,"end":1315.265},{"sentences":[{"text":"welcome to have a bit of a look.","start":1314.9551,"end":1316.0751,"sentiment":"positive","sentiment_score":0.43449729308485985},{"text":"Let me know if you do have additional questions.","start":1316.0751,"end":1317.995,"sentiment":"neutral","sentiment_score":0.13040541857481003},{"text":"I know it's a difficult thing to sort 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lot of time ahead of you before real estate you can access super.","start":1493.84,"end":1497.46,"sentiment":"neutral","sentiment_score":-0.08919610595330596},{"text":"You can't access super under the current legislation until the age of 60 there.","start":1497.6,"end":1502.34,"sentiment":"neutral","sentiment_score":-0.19242469647100993}],"sentiment":"neutral","sentiment_score":-0.08250703836480776,"channel":0,"num_words":45,"start":1489.84,"end":1502.34},{"sentences":[{"text":"Do you feel like you would want me to put something in its place that is more in that active management style, or would you like to look at something a bit cheaper as an investment that might save you on fees, but that might be a bit more diversified and might give you a bit more of a passively managed exposure.","start":1503.585,"end":1521.3899,"sentiment":"neutral","sentiment_score":0.2513323349337424},{"text":"Do you know which way you'd like me to look, or did you have more questions about 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been able to use to put in place there, but we don't want anything more underperforming for you.","start":1707.885,"end":1713.9,"sentiment":"neutral","sentiment_score":0.2531974356749962},{"text":"So we'll look at moving that out, and update the advice for you.","start":1713.9,"end":1717.5,"sentiment":"neutral","sentiment_score":0.19033514421719772},{"text":"I'll also","start":1717.5,"end":1718.06,"sentiment":"neutral","sentiment_score":0.07511334493756294}],"sentiment":"neutral","sentiment_score":0.2299927585619561,"channel":0,"num_words":47,"start":1706.765,"end":1718.06},{"sentences":[{"text":"Yep.","start":1717.8501,"end":1718.3501,"sentiment":"neutral","sentiment_score":-0.00031724723521620035}],"sentiment":"neutral","sentiment_score":-0.00031724723521620035,"channel":1,"num_words":1,"start":1717.8501,"end":1718.3501},{"sentences":[{"text":"send through those quotes after the call so you can let me know what you're comfortable with when it comes to the insurance side of things, 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I'll do that.","start":2074.45,"end":2075.41,"sentiment":"neutral","sentiment_score":0.28773847967386246},{"text":"And you're still comfortable with the $200 per week.","start":2075.65,"end":2078.29,"sentiment":"neutral","sentiment_score":0.2535485294130113},{"text":"You're not planning to change or alter that at the","start":2078.29,"end":2080.685,"sentiment":"neutral","sentiment_score":-0.12132120542228222}],"sentiment":"neutral","sentiment_score":0.11808365536853671,"channel":0,"num_words":24,"start":2073.97,"end":2080.685},{"sentences":[{"text":"No.","start":2081.03,"end":2081.35,"sentiment":"neutral","sentiment_score":-0.23628106713294983},{"text":"I'm 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got some really good ideas to update the advice there for you.","start":2553.49,"end":2556.285,"sentiment":"positive","sentiment_score":0.6284533463991605},{"text":"I'll go back and do a little bit of research around that aspect, just making sure that the investment we choose put into place is working well for you.","start":2556.585,"end":2563.625,"sentiment":"positive","sentiment_score":0.5732210319617699},{"text":"I'm trying to save you a bit in fees as well because having a bit more money invested with your balance at the moment, keeping fees as low as possible is a good idea.","start":2563.625,"end":2571.4302,"sentiment":"positive","sentiment_score":0.6147355270736358},{"text":"It keeps more money in your super compounding towards your retirement goals.","start":2571.4302,"end":2575.2102,"sentiment":"positive","sentiment_score":0.6934576829274496},{"text":"And then also the same thing with trying to reduce those insurance 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you.","start":2924.48,"end":2929.275,"sentiment":"neutral","sentiment_score":0.07131581732796298}],"sentiment":"neutral","sentiment_score":0.07655914877023962,"channel":0,"num_words":45,"start":2917.76,"end":2929.275},{"sentences":[{"text":"The first one here is just have you ever invested in direct shares or managed funds outside of super?","start":2929.9148,"end":2934.9548,"sentiment":"neutral","sentiment_score":-0.003953131454947747},{"text":"The last ones","start":2934.9548,"end":2935.595,"sentiment":"neutral","sentiment_score":-0.042166292667388916}],"sentiment":"neutral","sentiment_score":-0.009164017074826088,"channel":0,"num_words":22,"start":2929.9148,"end":2935.595},{"sentences":[{"text":"No.","start":2935.46,"end":2935.96,"sentiment":"neutral","sentiment_score":-0.18546602129936215}],"sentiment":"neutral","sentiment_score":-0.18546602129936215,"channel":1,"num_words":1,"start":2935.46,"end":2935.96},{"sentences":[{"text":"we always had no one.","start":2935.595,"end":2937.115,"sentiment":"neutral","sentiment_score":-0.163561549782753},{"text":"Have you?","start":2937.115,"end":2937.515,"sentiment":"neutral","sentiment_score":-0.09717007726430893},{"text":"You haven't bought any shares?","start":2937.515,"end":2938.875,"sentiment":"neutral","sentiment_score":-0.12255619317293168},{"text":"Nope.","start":2938.875,"end":2939.115,"sentiment":"neutral","sentiment_score":-0.2396293580532074},{"text":"That's","start":2939.115,"end":2939.4348,"sentiment":"neutral","sentiment_score":-0.1823335587978363}],"sentiment":"neutral","sentiment_score":-0.14620655615414893,"channel":0,"num_words":14,"start":2935.595,"end":2939.4348},{"sentences":[{"text":"No.","start":2939.3801,"end":2939.8801,"sentiment":"neutral","sentiment_score":-0.2689332067966461}],"sentiment":"neutral","sentiment_score":-0.2689332067966461,"channel":1,"num_words":1,"start":2939.3801,"end":2939.8801},{"sentences":[{"text":"okay.","start":2939.4348,"end":2939.9348,"sentiment":"neutral","sentiment_score":-0.1752164363861084}],"sentiment":"neutral","sentiment_score":-0.1752164363861084,"channel":0,"num_words":1,"start":2939.4348,"end":2939.9348},{"sentences":[{"text":"Don't know what I'm doing, so no.","start":2940.02,"end":2941.6401,"sentiment":"neutral","sentiment_score":-0.2041547873190471}],"sentiment":"neutral","sentiment_score":-0.2041547873190471,"channel":1,"num_words":7,"start":2940.02,"end":2941.6401},{"sentences":[{"text":"That's okay.","start":2942.01,"end":2942.73,"sentiment":"neutral","sentiment_score":0.26826879382133484},{"text":"If there's ever something you wanted to look at doing, come and have a chat with us.","start":2942.73,"end":2945.85,"sentiment":"neutral","sentiment_score":0.060577327275977415},{"text":"We do also build investment portfolios outside of super, and we can definitely look at helping you in that area as well.","start":2945.85,"end":2952.25,"sentiment":"neutral","sentiment_score":0.12228068743239749}],"sentiment":"neutral","sentiment_score":0.1038177384109032,"channel":0,"num_words":41,"start":2942.01,"end":2952.25},{"sentences":[{"text":"Yep.","start":2952.155,"end":2952.635,"sentiment":"neutral","sentiment_score":0.16211125254631042}],"sentiment":"neutral","sentiment_score":0.16211125254631042,"channel":1,"num_words":1,"start":2952.155,"end":2952.635},{"sentences":[{"text":"Okay?","start":2952.25,"end":2952.75,"sentiment":"neutral","sentiment_score":0.22761356830596924}],"sentiment":"neutral","sentiment_score":0.22761356830596924,"channel":0,"num_words":1,"start":2952.25,"end":2952.75},{"sentences":[{"text":"Perfect.","start":2952.635,"end":2953.135,"sentiment":"positive","sentiment_score":0.7454730272293091}],"sentiment":"positive","sentiment_score":0.7454730272293091,"channel":1,"num_words":1,"start":2952.635,"end":2953.135},{"sentences":[{"text":"Beautiful.","start":2953.785,"end":2954.1848,"sentiment":"positive","sentiment_score":0.722095251083374},{"text":"Now looking at the average rate of return you're looking to try and get from your super, obviously, we're gonna try and get the best rate of return we possibly can on a yearly basis, make our super work as hard as possible.","start":2954.1848,"end":2965.7249,"sentiment":"neutral","sentiment_score":0.1065297856667014},{"text":"I'll tick the box number one for you there.","start":2966.6602,"end":2969.1602,"sentiment":"neutral","sentiment_score":0.04037634697225359},{"text":"The next one here is asking essentially with the market ups and downs, with how we're invested.","start":2969.54,"end":2974.1802,"sentiment":"neutral","sentiment_score":-0.04035215912496343},{"text":"When we are taking on more risk in the market, we do expect to have negative years or years where the portfolio doesn't perform as well due to market expectations and what happens globally.","start":2974.1802,"end":2984.695,"sentiment":"neutral","sentiment_score":-0.13868930212715092}],"sentiment":"neutral","sentiment_score":0.002546540192829875,"channel":0,"num_words":104,"start":2953.785,"end":2984.695},{"sentences":[{"text":"So this is probably a really good example of that.","start":2984.695,"end":2987.435,"sentiment":"neutral","sentiment_score":-0.050772011280059814},{"text":"We have seen what's been going on between The US and Iran.","start":2987.495,"end":2990.635,"sentiment":"neutral","sentiment_score":-0.06471456587314606},{"text":"It has made the market a bit volatile.","start":2990.7751,"end":2992.875,"sentiment":"neutral","sentiment_score":-0.162516251206398},{"text":"We have seen those ups and downs.","start":2992.935,"end":2994.75,"sentiment":"neutral","sentiment_score":-0.11011548446757453},{"text":"When you kinda think about the level of risk you're taking, do you consider yourself happy to take on a higher level of risk now to try and get the best returns you can knowing you're also taking you know, you also have the risk of a negative downturn in those sorts of times, or do you consider yourself more less risky, not wanting to take on as much risk and see as much of a downturn?","start":2995.4502,"end":3017.645,"sentiment":"neutral","sentiment_score":-0.06282462590894142}],"sentiment":"neutral","sentiment_score":-0.07186604823851794,"channel":0,"num_words":114,"start":2984.695,"end":3017.645},{"sentences":[{"text":"How do you sort of rate yourself in that?","start":3017.7048,"end":3019.56,"sentiment":"neutral","sentiment_score":-0.03785578099389871}],"sentiment":"neutral","sentiment_score":-0.03785578099389871,"channel":0,"num_words":9,"start":3017.7048,"end":3019.56},{"sentences":[{"text":"I was I think I was more of a risk last year.","start":3020.7449,"end":3023.885,"sentiment":"neutral","sentiment_score":-0.16992292553186417}],"sentiment":"neutral","sentiment_score":-0.16992292553186417,"channel":1,"num_words":12,"start":3020.7449,"end":3023.885},{"sentences":[{"text":"Yeah.","start":3024.36,"end":3024.86,"sentiment":"neutral","sentiment_score":-0.08264210820198059}],"sentiment":"neutral","sentiment_score":-0.08264210820198059,"channel":0,"num_words":1,"start":3024.36,"end":3024.86},{"sentences":[{"text":"I suppose for them, it isn't just going up so much up and down at the moment.","start":3026.025,"end":3029.4648,"sentiment":"neutral","sentiment_score":-0.10038620584151324},{"text":"I mean, I probably maybe would tend to go a little bit more safer.","start":3029.4648,"end":3033.7249,"sentiment":"neutral","sentiment_score":-0.08245417954666275}],"sentiment":"neutral","sentiment_score":-0.09228787138577431,"channel":1,"num_words":31,"start":3026.025,"end":3033.7249},{"sentences":[{"text":"Yep.","start":3034.535,"end":3034.855,"sentiment":"neutral","sentiment_score":0.02185322716832161},{"text":"Yep.","start":3034.855,"end":3035.095,"sentiment":"neutral","sentiment_score":0.02549009770154953},{"text":"So you sort of see see yourself in the middle.","start":3035.095,"end":3036.855,"sentiment":"neutral","sentiment_score":0.012812428921461106},{"text":"If you sort of looked at it on a scale of one to five, five being very risky, a 100% invested in the market, one being no risk at all, all in cash essentially or very little risk.","start":3036.855,"end":3048.1702,"sentiment":"neutral","sentiment_score":0.02841708382689639},{"text":"Would you sort of see yourself in the middle around about a three, or do you think you'd be a little bit lower?","start":3048.47,"end":3053.2102,"sentiment":"neutral","sentiment_score":0.007466725843108218}],"sentiment":"neutral","sentiment_score":0.019548650601342935,"channel":0,"num_words":73,"start":3034.535,"end":3053.2102},{"sentences":[{"text":"I'd probably say three.","start":3053.345,"end":3054.565,"sentiment":"neutral","sentiment_score":-0.00895268702879548}],"sentiment":"neutral","sentiment_score":-0.00895268702879548,"channel":1,"num_words":4,"start":3053.345,"end":3054.565},{"sentences":[{"text":"About a three?","start":3055.03,"end":3055.99,"sentiment":"neutral","sentiment_score":-0.0053567712505658465},{"text":"Yeah.","start":3055.99,"end":3056.31,"sentiment":"neutral","sentiment_score":-0.00626378832384944}],"sentiment":"neutral","sentiment_score":-0.005583525518886745,"channel":0,"num_words":4,"start":3055.03,"end":3056.31},{"sentences":[{"text":"Yep.","start":3056.2249,"end":3056.7249,"sentiment":"neutral","sentiment_score":0.21478253602981567}],"sentiment":"neutral","sentiment_score":0.21478253602981567,"channel":1,"num_words":1,"start":3056.2249,"end":3056.7249},{"sentences":[{"text":"Perfect.","start":3056.31,"end":3056.81,"sentiment":"positive","sentiment_score":0.5555310249328613},{"text":"If you did see the market take a bit of a dip over the next twelve months with what we are seeing in the markets generally, do you think you would maybe call us and see what's happening?","start":3057.585,"end":3066.2449,"sentiment":"neutral","sentiment_score":-0.10450614116301662},{"text":"Would you maybe wanna take advantage of that market reaction and put more money in, or do you think yourself a bit concerned and maybe wanting to put your money into something safer?","start":3066.305,"end":3075.77,"sentiment":"neutral","sentiment_score":-0.1326183919427973},{"text":"How do you think you might be feeling?","start":3075.77,"end":3077.23,"sentiment":"neutral","sentiment_score":-0.06781605491414666}],"sentiment":"neutral","sentiment_score":-0.10418297140859067,"channel":0,"num_words":80,"start":3056.31,"end":3077.23},{"sentences":[{"text":"I think I'd be fine.","start":3077.935,"end":3079.315,"sentiment":"neutral","sentiment_score":0.029745779931545258},{"text":"Like you said, it","start":3079.535,"end":3080.175,"sentiment":"neutral","sentiment_score":0.038172692991793156}],"sentiment":"neutral","sentiment_score":0.033491074624988765,"channel":1,"num_words":9,"start":3077.935,"end":3080.175},{"sentences":[{"text":"Yeah.","start":3080.09,"end":3080.59,"sentiment":"neutral","sentiment_score":0.0011970717459917068}],"sentiment":"neutral","sentiment_score":0.0011970717459917068,"channel":0,"num_words":1,"start":3080.09,"end":3080.59},{"sentences":[{"text":"you know, it always changes, and I still got a few years to go.","start":3080.255,"end":3083.01,"sentiment":"neutral","sentiment_score":-0.08356804640165397},{"text":"So, I mean, if it was","start":3083.09,"end":3084.29,"sentiment":"neutral","sentiment_score":-0.03759772144258022}],"sentiment":"neutral","sentiment_score":-0.06977694891393185,"channel":1,"num_words":20,"start":3080.255,"end":3084.29},{"sentences":[{"text":"Yeah.","start":3084.105,"end":3084.605,"sentiment":"neutral","sentiment_score":-0.06838760524988174}],"sentiment":"neutral","sentiment_score":-0.06838760524988174,"channel":0,"num_words":1,"start":3084.105,"end":3084.605},{"sentences":[{"text":"to dip and I was to lose a bit, I'm sure, you know, the cycles go around.","start":3084.29,"end":3087.73,"sentiment":"neutral","sentiment_score":-0.2487710828290266},{"text":"So I would hope that it would pick up again.","start":3087.73,"end":3090.79,"sentiment":"neutral","sentiment_score":-0.16085074990987777}],"sentiment":"neutral","sentiment_score":-0.2162079965626752,"channel":1,"num_words":27,"start":3084.29,"end":3090.79},{"sentences":[{"text":"Yeah.","start":3090.825,"end":3091.325,"sentiment":"neutral","sentiment_score":0.020173650234937668},{"text":"Yeah.","start":3091.385,"end":3091.785,"sentiment":"neutral","sentiment_score":0.06663081049919128},{"text":"Yeah.","start":3091.785,"end":3092.105,"sentiment":"neutral","sentiment_score":0.15451356768608093},{"text":"Absolutely.","start":3092.105,"end":3092.605,"sentiment":"positive","sentiment_score":0.3664777874946594},{"text":"Perfect.","start":3093.305,"end":3093.805,"sentiment":"positive","sentiment_score":0.4377403259277344}],"sentiment":"neutral","sentiment_score":0.20910722836852075,"channel":0,"num_words":5,"start":3090.825,"end":3093.805},{"sentences":[{"text":"Now having a look at this one here, you have scored there as more of a growth investor.","start":3094.505,"end":3099.68,"sentiment":"neutral","sentiment_score":0.13214602983660168},{"text":"We do, at the moment, have you invested as a high growth investor.","start":3100.54,"end":3104.1401,"sentiment":"neutral","sentiment_score":0.10079531142344841},{"text":"So that's generally where you see 90% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities.","start":3104.1401,"end":3112.735,"sentiment":"neutral","sentiment_score":0.09536141945192447},{"text":"And then the other 10% in lower risk defensive investments like cash, bonds, and fixed interest.","start":3113.355,"end":3119.135,"sentiment":"neutral","sentiment_score":0.007259768201038241},{"text":"A high growth portfolio is expected to sort of obtain, sorry, about a eight to 10% on a yearly basis compounding that over time.","start":3119.7551,"end":3128.7,"sentiment":"neutral","sentiment_score":-0.03324702242389321}],"sentiment":"neutral","sentiment_score":0.05656280664285434,"channel":0,"num_words":97,"start":3094.505,"end":3128.7},{"sentences":[{"text":"And the likelihood of a negative return is expected kind of one in every five years.","start":3128.92,"end":3133.18,"sentiment":"neutral","sentiment_score":-0.30710077099502087},{"text":"And this sort of portfolio suits someone who's willing to stay invested for about eight years or longer.","start":3133.72,"end":3138.555,"sentiment":"neutral","sentiment_score":-0.0832679954667886},{"text":"So you do have that time time horizon ahead of you to stay in that kind of environment.","start":3138.555,"end":3143.375,"sentiment":"neutral","sentiment_score":-0.0676975366142061},{"text":"With the way you have scored, it would see us reduce your risk level a little bit by about 10% to the growth portfolio, which has an 8080% in growth investments and 20% in defensive lower risk investments.","start":3144.235,"end":3158.05,"sentiment":"neutral","sentiment_score":-0.06333064591806185},{"text":"Again, it has the likelihood of a negative return, kind of one every five years, And we're trying to sort of obtain average returns of about seven to 9% on a yearly basis, and it has a six year time horizon for investment.","start":3158.19,"end":3171.275,"sentiment":"neutral","sentiment_score":-0.1650063544511795}],"sentiment":"neutral","sentiment_score":-0.12881826841853616,"channel":0,"num_words":133,"start":3128.92,"end":3171.275},{"sentences":[{"text":"Do you think that you wanna stay where you are for another year and just maybe adjust the portfolio a bit, or do you wanna look at reducing your risk level?","start":3171.335,"end":3178.87,"sentiment":"neutral","sentiment_score":-0.0777659842804555},{"text":"How do you feel about that?","start":3178.87,"end":3180.33,"sentiment":"neutral","sentiment_score":0.00920199059570829}],"sentiment":"neutral","sentiment_score":-0.06366306943567218,"channel":0,"num_words":37,"start":3171.335,"end":3180.33},{"sentences":[{"text":"We could just see where I am at the moment.","start":3180.315,"end":3182.095,"sentiment":"neutral","sentiment_score":-0.0011699429713189601}],"sentiment":"neutral","sentiment_score":-0.0011699429713189601,"channel":1,"num_words":10,"start":3180.315,"end":3182.095},{"sentences":[{"text":"Yep.","start":3182.71,"end":3183.03,"sentiment":"neutral","sentiment_score":0.19575247168540957},{"text":"Beautiful.","start":3183.03,"end":3183.43,"sentiment":"positive","sentiment_score":0.5533563494682312},{"text":"So we'll stay high growth there currently,","start":3183.43,"end":3185.19,"sentiment":"neutral","sentiment_score":0.3189550020865032}],"sentiment":"neutral","sentiment_score":0.3313104261954625,"channel":0,"num_words":9,"start":3182.71,"end":3185.19},{"sentences":[{"text":"Yep.","start":3185.035,"end":3185.535,"sentiment":"neutral","sentiment_score":0.22314117848873136}],"sentiment":"neutral","sentiment_score":0.22314117848873136,"channel":1,"num_words":1,"start":3185.035,"end":3185.535},{"sentences":[{"text":"and then we'll just adjust the portfolio and see what that does over the","start":3185.19,"end":3188.55,"sentiment":"neutral","sentiment_score":0.14226890142474855}],"sentiment":"neutral","sentiment_score":0.14226890142474855,"channel":0,"num_words":14,"start":3185.19,"end":3188.55},{"sentences":[{"text":"Yep.","start":3188.395,"end":3188.895,"sentiment":"neutral","sentiment_score":0.1254984438419342}],"sentiment":"neutral","sentiment_score":0.1254984438419342,"channel":1,"num_words":1,"start":3188.395,"end":3188.895},{"sentences":[{"text":"next twelve months.","start":3188.55,"end":3189.35,"sentiment":"neutral","sentiment_score":0.08434758956233661},{"text":"Does that sound okay?","start":3189.35,"end":3190.49,"sentiment":"neutral","sentiment_score":0.1557437628507614}],"sentiment":"neutral","sentiment_score":0.12514540287000792,"channel":0,"num_words":7,"start":3188.55,"end":3190.49},{"sentences":[{"text":"Yeah.","start":3190.555,"end":3190.795,"sentiment":"neutral","sentiment_score":0.2675042748451233},{"text":"That's great.","start":3190.795,"end":3191.37,"sentiment":"positive","sentiment_score":0.6111250221729279}],"sentiment":"positive","sentiment_score":0.49658477306365967,"channel":1,"num_words":3,"start":3190.555,"end":3191.37},{"sentences":[{"text":"Yeah.","start":3191.855,"end":3192.175,"sentiment":"positive","sentiment_score":0.414575457572937},{"text":"Beautiful.","start":3192.175,"end":3192.575,"sentiment":"positive","sentiment_score":0.5583168864250183},{"text":"And did you wanna do another catch up in another six months or so around about December to see how things are going, or are you happy with just a a regular annual review once a year?","start":3192.575,"end":3200.815,"sentiment":"neutral","sentiment_score":0.08379198459757341},{"text":"What would you like to see?","start":3200.815,"end":3202.275,"sentiment":"neutral","sentiment_score":0.019616456857572}],"sentiment":"neutral","sentiment_score":0.09313098922785785,"channel":0,"num_words":45,"start":3191.855,"end":3202.275},{"sentences":[{"text":"I think I'm happy with the twelve monthly.","start":3202.25,"end":3203.9502,"sentiment":"neutral","sentiment_score":0.2262502685189247}],"sentiment":"neutral","sentiment_score":0.2262502685189247,"channel":1,"num_words":8,"start":3202.25,"end":3203.9502},{"sentences":[{"text":"Yep.","start":3204.6702,"end":3205.1501,"sentiment":"neutral","sentiment_score":0.24586206674575808},{"text":"Beautiful.","start":3205.1501,"end":3205.6501,"sentiment":"positive","sentiment_score":0.5372219681739807},{"text":"Lovely.","start":3206.27,"end":3206.77,"sentiment":"positive","sentiment_score":0.4809998869895935},{"text":"Not a problem at all, Brooke.","start":3207.07,"end":3208.53,"sentiment":"positive","sentiment_score":0.37248610456784564},{"text":"Excellent.","start":3208.59,"end":3208.99,"sentiment":"positive","sentiment_score":0.5363142490386963}],"sentiment":"positive","sentiment_score":0.40353147983551024,"channel":0,"num_words":10,"start":3204.6702,"end":3208.99},{"sentences":[{"text":"Well, what I'll do is I'll go back and do a bit of research there for you.","start":3208.99,"end":3211.7102,"sentiment":"neutral","sentiment_score":0.19606240444323597},{"text":"I'll get those quotes downloaded and emailed to you shortly.","start":3211.7102,"end":3214.4502,"sentiment":"neutral","sentiment_score":0.19646563678979873},{"text":"Do feel free to let me know if there's any issues or if you have any questions with regard to those.","start":3215.165,"end":3219.725,"sentiment":"neutral","sentiment_score":0.14213763780537106},{"text":"I can always come back and generate additional quotes there for 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They discuss insurance premiums, monthly benefits, and coverage options, emphasizing the importance of regular contributions and maintaining a risk profile. The speaker also emphasizes the value of the customer's current business and the possibility of selling it in retirement. They suggest reducing risk levels and adjusting the portfolio, as well as providing additional quotes and information. The customer agrees to the recommendations and the conversation ends."},"intents":{"segments":[{"text":"Just wanted to confirm your email address hasn't changed there at all. So I've got, sorry, brooked. Oh, my computer's all this slow. Sorry. Can you just repeat your email address to me? Is it brookgibbon@hotmail.com? 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I'm just pulling up the advice document originally just to have a look at what was recommended for you. You were recommended 773,000 of life and TBD.","start_word":3039,"end_word":3071,"intents":[{"intent":"Review insurance policy recommendations","confidence_score":0.0020819283}]},{"text":"So now for the first quote there, if you like, I'll look at keeping your income protection with the same monthly benefit and just look at reducing the benefit period for you just to give you an idea of what this looks like.","start_word":3271,"end_word":3313,"intents":[{"intent":"Decrease benefits","confidence_score":0.00032898408}]},{"text":"So it does save a couple of thousand on the insurance premium there. Yep.","start_word":3439,"end_word":3452,"intents":[{"intent":"Reduce premiums","confidence_score":0.019423341}]},{"text":"The premium is around about $4,637 before the discount is applied. So you you get a 15% discount inside super, so you end up paying a little bit less outside of Yep.","start_word":3693,"end_word":3724,"intents":[{"intent":"Reduce premium","confidence_score":0.29425997}]},{"text":"But did you wanna look at reducing that, or did you want me to send the quotes through to you?","start_word":3915,"end_word":3934,"intents":[{"intent":"Receive quotes","confidence_score":0.02994976}]},{"text":"Could you maybe send them, and I can just have a a bit of a think Yeah. over what I should do? Yeah.","start_word":3983,"end_word":4005,"intents":[{"intent":"Receive thoughts","confidence_score":0.0006264863}]},{"text":"I'll generate all of those after the call for you and email them through, and you're Yep.","start_word":4008,"end_word":4024,"intents":[{"intent":"Generate insurance","confidence_score":0.0014592267}]},{"text":"Let me know if you do have additional questions.","start_word":4032,"end_word":4040,"intents":[{"intent":"Ask questions","confidence_score":0.35374796}]},{"text":"to decide on the spot. Don't wait. You feel like you have to make the call right now. But have a think about what you'd like to do, but that is probably one of the biggest things is as you do get older, your insurance premiums do become more expensive, which is Yeah.","start_word":4053,"end_word":4105,"intents":[{"intent":"Decide on issue","confidence_score":0.0028655722}]},{"text":"protection policy, you have a waiting period, which is thirty days. So it just means that you have to be off work for thirty days prior Oh, to making okay.","start_word":4213,"end_word":4242,"intents":[{"intent":"Clarify policy","confidence_score":0.0037599446},{"intent":"Confirm policy","confidence_score":0.0687668}]},{"text":"if you have this policy for the next ten years or fifteen years and Okay. then you make a claim, it's all still completely valid. Yeah. Does Yep.","start_word":4328,"end_word":4355,"intents":[{"intent":"Clarify policy validity","confidence_score":0.00075507397}]},{"text":"Perfect. Beautiful.","start_word":4368,"end_word":4369,"intents":[{"intent":"Conclude call","confidence_score":0.003843506}]},{"text":"Do you feel like you would want me to put something in its place that is more in that active management style, or would you like to look at something a bit cheaper as an investment that might save you on fees, but that might be a bit more diversified and might give you a bit more of a passively managed exposure. Do you know which way you'd like me to look, or did you have more questions about that?","start_word":4738,"end_word":4817,"intents":[{"intent":"Analyze investment options","confidence_score":0.013439639}]},{"text":"And having more investments in a fund helps to diversify your portfolio, which can help to lower the risk side of things. So if you looked at something a bit more passive, like saving fees, help to cover your insurance premiums, provide a bit more growth there if you're comfortable to, and also help to lower the risk of your portfolio by providing greater diversification. Does that make sense?","start_word":5331,"end_word":5399,"intents":[{"intent":"Optimize portfolio diversification","confidence_score":0.009123887}]},{"text":"send through those quotes after the call so you can let me know what you're comfortable with when it comes to the insurance side of things, and I can do one advice piece for you. Looking at reducing insurances, looking at replacing the investment for you, put all of that together over the next sort of five years, and show you how that, what kind of an effect that has. Does that sound alright?","start_word":5469,"end_word":5542,"intents":[{"intent":"Schedule insurance quotes","confidence_score":0.010238671}]},{"text":"This the down sort of side is that because your insurance premiums come out, how your contributions go in I'm not sure if your account's explained or not.","start_word":6043,"end_word":6070,"intents":[{"intent":"Assess contributions","confidence_score":0.00034550735}]},{"text":"If you're more comfortable holding off and doing it at the end of the financial year, that's absolutely fine.","start_word":6262,"end_word":6280,"intents":[{"intent":"Requesting to hold off","confidence_score":0.00063537044}]},{"text":"I've seen up a purchase to go straight to theirs. That way, I can't touch it and use it for something else. Yep.","start_word":6300,"end_word":6322,"intents":[{"intent":"Requesting to do the purchase","confidence_score":0.0018016374}]},{"text":"I'll just continue to do the one at the end of calendar year and then again at the end of the financial year and just still do 200 a week. Yeah.","start_word":6326,"end_word":6356,"intents":[{"intent":"Explaining the importance of an annual payment","confidence_score":0.0000028486445}]},{"text":"And then at the end of the financial year, we just do a variation. Yep.","start_word":6491,"end_word":6505,"intents":[{"intent":"Proposing a variation","confidence_score":0.0002617839}]},{"text":"The amount of the property on your main primary residence, you have that valued about 900,000 last year. What kind Alright.","start_word":6802,"end_word":6822,"intents":[{"intent":"Evaluate mortgage values","confidence_score":0.000030821415}]},{"text":"And that vehicle's owned outright as well? It is. Yes.","start_word":7017,"end_word":7026,"intents":[{"intent":"Identify owner","confidence_score":0.00004153137}]},{"text":"And then I've got a secondary vehicle here with an asset value of about 7,000. Which car would you value about I don't there? have that anymore.","start_word":7028,"end_word":7054,"intents":[{"intent":"Ask for asset value","confidence_score":0.0120382635}]},{"text":"Which car would you value about I don't there? have that anymore.","start_word":7043,"end_word":7054,"intents":[{"intent":"Express uncertainty about car worth","confidence_score":0.0000017705479},{"intent":"Ask for information about car value","confidence_score":0.00095332094}]},{"text":"So I had to buy a new one. Oh, what did you end up getting? I got the Cherry Tiggo four. Wow.","start_word":7066,"end_word":7087,"intents":[{"intent":"Discuss car purchase","confidence_score":0.07550963}]},{"text":"I got the Cherry Tiggo four. Wow. My mom bought one of those. Do you like it?","start_word":7081,"end_word":7097,"intents":[{"intent":"Check car preference","confidence_score":0.00012175039}]},{"text":"Oh, lovely. Yes. She loves it too.","start_word":7168,"end_word":7174,"intents":[{"intent":"Express gratitude","confidence_score":0.041726295}]},{"text":"And with your husband's there, I know they hold their value really nicely, but would you keep that about 50,000, do you think? I would.","start_word":7326,"end_word":7350,"intents":[{"intent":"Confirm value of assets","confidence_score":0.00069780427},{"intent":"Ask about retirement plans","confidence_score":0.08885585},{"intent":"Ask about retirement plans","confidence_score":0.025574585}]},{"text":"I could retire tomorrow, but in reality, Yep. I'd probably say it'd be close to 70. 70? Yep. That's okay. We also hear that you were looking to hopefully live on income of about $1,000 a week by that age. Is that still sort of your goal?","start_word":7502,"end_word":7548,"intents":[{"intent":"Mention retirement target","confidence_score":0.000029576913}]},{"text":"We also hear that you were looking to hopefully live on income of about $1,000 a week by that age. Is that still sort of your goal?","start_word":7522,"end_word":7548,"intents":[{"intent":"Inquire about future goals","confidence_score":0.0008852821},{"intent":"Ask about retirement goals","confidence_score":0.09894694},{"intent":"Inquire about retirement goals","confidence_score":0.059522722},{"intent":"Discuss retirement goal","confidence_score":0.00009971342},{"intent":"Ask for retirement goals","confidence_score":0.0027474526}]},{"text":"And when we sort of caught up last year, you mentioned that you'd be selling the business in retirement to help sort of fund your retirement aspect. Are you still thinking you might sell that down the track, or are you hoping to keep it open and maybe have employees to work for you in retirement to supplement income? Or what's your thoughts with the business?","start_word":7589,"end_word":7654,"intents":[{"intent":"Express interest in retirement business","confidence_score":0.002735784},{"intent":"Ask about business plans","confidence_score":0.014448598}]},{"text":"I still think I'd say sell it. Yep. Yep.","start_word":7705,"end_word":7713,"intents":[{"intent":"Sell business","confidence_score":0.004537562}]},{"text":"Now the only other thing I just wanted to touch on with insurance is we are looking at trying to reduce the cost of cover at the moment, and, obviously, you have a lot going on with your business and growing and expenses outside with the cost of living. Yep.","start_word":8016,"end_word":8065,"intents":[{"intent":"Reduce cost of cover","confidence_score":0.031047441},{"intent":"Reduce prices","confidence_score":0.0014835574}]},{"text":"But did you wanna look at getting any new types of cover outside of super, like trauma and and or child trauma, or are you happy just to try and get the cover inside super reduced a little bit to save some money?","start_word":8236,"end_word":8278,"intents":[{"intent":"Save money","confidence_score":0.09868469}]},{"text":"I'll go back and do a little bit of research around that aspect, just making sure that the investment we choose put into place is working well for you.","start_word":8331,"end_word":8359,"intents":[{"intent":"Improve investment","confidence_score":0.010796746}]},{"text":"I'm trying to save you a bit in fees as well because having a bit more money invested with your balance at the moment, keeping fees as low as possible is a good idea. It keeps more money in your super compounding towards your retirement goals.","start_word":8360,"end_word":8405,"intents":[{"intent":"Reduce fees","confidence_score":0.07419106}]},{"text":"So it has been submitted. Yeah.","start_word":8926,"end_word":8931,"intents":[{"intent":"Confirm submission and claim","confidence_score":0.00018446987}]},{"text":"So what happens is all the contributions, the $200 that you've been putting into the account, that all goes in. When you claim that notice of intent, that means the super fund takes 15% tax out of the contributions, and then they become taxable. Yep.","start_word":9197,"end_word":9241,"intents":[{"intent":"Confirm contribution receipt","confidence_score":0.0050768526},{"intent":"Align contribution","confidence_score":0.19232254}]},{"text":"I just wanted to make sure and double check that there wasn't another contribution through. So Oh, I'll okay. let the team Yeah. know that No. that's No. Yep. all been submitted. Just wanna make sure you didn't miss any contributions. That's all.","start_word":9260,"end_word":9302,"intents":[{"intent":"Make sure submission of contribution","confidence_score":0.000010560528}]},{"text":"Now the last thing I'm gonna run through really quickly is just a risk profile questionnaire. I know we do one of these every year. Just making sure that you are invested correctly, making sure I'm looking at the right portfolio for you.","start_word":9453,"end_word":9495,"intents":[{"intent":"Review risk profile questionnaire","confidence_score":0.036843553}]},{"text":"The first one here is just have you ever invested in direct shares or managed funds outside of super?","start_word":9496,"end_word":9514,"intents":[{"intent":"Inquire about investment in direct shares","confidence_score":0.0030887525}]},{"text":"We do also build investment portfolios outside of super, and we can definitely look at helping you in that area as well.","start_word":9561,"end_word":9582,"intents":[{"intent":"Consider investment portfolios","confidence_score":0.008555513},{"intent":"Discuss investment portfolios","confidence_score":0.010475764}]},{"text":"We do also build investment portfolios outside of super, and we can definitely look at helping you in that area as well. Yep.","start_word":9561,"end_word":9583,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.04847355}]},{"text":"Beautiful.","start_word":9586,"end_word":9586,"intents":[{"intent":"Inquire about market sentiment","confidence_score":0.000028252265}]},{"text":"Now looking at the average rate of return you're looking to try and get from your super, obviously, we're gonna try and get the best rate of return we possibly can on a yearly basis, make our super work as hard as possible.","start_word":9587,"end_word":9629,"intents":[{"intent":"Ask for rate of return","confidence_score":0.00006742263}]},{"text":"It has made the market a bit volatile.","start_word":9712,"end_word":9719,"intents":[{"intent":"Ask about market volatility","confidence_score":0.20985737}]},{"text":"When you kinda think about the level of risk you're taking, do you consider yourself happy to take on a higher level of risk now to try and get the best returns you can knowing you're also taking you know, you also have the risk of a negative downturn in those sorts of times, or do you consider yourself more less risky, not wanting to take on as much risk and see as much of a downturn?","start_word":9727,"end_word":9803,"intents":[{"intent":"Consider risk in investment portfolios","confidence_score":0.00019969574},{"intent":"Discuss examining risk level","confidence_score":0.0000022107952},{"intent":"Confirm understanding about risk level","confidence_score":0.0003464407}]},{"text":"I was I think I was more of a risk last year. Yeah.","start_word":9813,"end_word":9825,"intents":[{"intent":"Express concern about downturn risk","confidence_score":0.00011474363}]},{"text":"If you did see the market take a bit of a dip over the next twelve months with what we are seeing in the markets generally, do you think you would maybe call us and see what's happening?","start_word":9940,"end_word":9977,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.0022552034}]},{"text":"If you did see the market take a bit of a dip over the next twelve months with what we are seeing in the markets generally, do you think you would maybe call us and see what's happening? Would you maybe wanna take advantage of that market reaction and put more money in, or do you think yourself a bit concerned and maybe wanting to put your money into something safer?","start_word":9940,"end_word":10010,"intents":[{"intent":"Assess market reactions and determine safety","confidence_score":0.00009136241},{"intent":"Assess market's reactions and determine optimal investment strategy","confidence_score":0.000005662186}]},{"text":"If you did see the market take a bit of a dip over the next twelve months with what we are seeing in the markets generally, do you think you would maybe call us and see what's happening? Would you maybe wanna take advantage of that market reaction and put more money in, or do you think yourself a bit concerned and maybe wanting to put your money into something safer? How do you think you might be feeling?","start_word":9940,"end_word":10018,"intents":[{"intent":"Determine investment preferences","confidence_score":0.00074209215}]},{"text":"Now having a look at this one here, you have scored there as more of a growth investor. We do, at the moment, have you invested as a high growth investor. So that's generally where you see 90% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities. And then the other 10% in lower risk defensive investments like cash, bonds, and fixed interest.","start_word":10082,"end_word":10154,"intents":[{"intent":"Consider investment options as growth investors","confidence_score":0.00025606394},{"intent":"Assess portfolio's overall performance","confidence_score":0.00002471787}]},{"text":"And this sort of portfolio suits someone who's willing to stay invested for about eight years or longer.","start_word":10195,"end_word":10212,"intents":[{"intent":"Evaluate portfolio's portfolio flexibility","confidence_score":0.00044774686}]},{"text":"With the way you have scored, it would see us reduce your risk level a little bit by about 10% to the growth portfolio, which has an 8080% in growth investments and 20% in defensive lower risk investments.","start_word":10231,"end_word":10268,"intents":[{"intent":"Evaluate portfolio risk reduction in reducing risk level","confidence_score":2.3796608e-7},{"intent":"Assess risk level in investments","confidence_score":0.000009364923}]},{"text":"With the way you have scored, it would see us reduce your risk level a little bit by about 10% to the growth portfolio, which has an 8080% in growth investments and 20% in defensive lower risk investments. Again, it has the likelihood of a negative return, kind of one every five years, And we're trying to sort of obtain average returns of about seven to 9% on a yearly basis, and it has a six year time horizon for investment.","start_word":10231,"end_word":10311,"intents":[{"intent":"Evaluate portfolio's potential returns","confidence_score":0.00012815678}]},{"text":"How do you feel about that? We could just see where I am at the moment. Yep.","start_word":10344,"end_word":10360,"intents":[{"intent":"Discuss financial status","confidence_score":0.0007829058}]},{"text":"So we'll stay high growth there currently, Yep. and then we'll just adjust the portfolio and see what that does over the Yep. next twelve months. Does that sound okay? Yeah.","start_word":10361,"end_word":10391,"intents":[{"intent":"Assess portfolio","confidence_score":0.0048969784}]},{"text":"And, also, I've got here that you haven't had a will or power of attorney in place. Have you guys spoken to a lawyer? Have you talked about getting a will drawn up in power of attorneys and those sorts of estate planning documents? No. Not yet.","start_word":10593,"end_word":10639,"intents":[{"intent":"Inquire about expenses and estate planning","confidence_score":8.4252287e-7}]}]},"sentiments":{"segments":[{"text":"Hello. Brooke speaking. Hi, Brooke. It's Dana from Open Financial. How are you this afternoon?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.14874127507209778},{"text":"I'm well. Thank you.","start_word":15,"end_word":18,"sentiment":"positive","sentiment_score":0.4100795090198517},{"text":"How are you?","start_word":19,"end_word":21,"sentiment":"neutral","sentiment_score":0.32219696044921875},{"text":"I'm very well. Thank you.","start_word":22,"end_word":26,"sentiment":"positive","sentiment_score":0.516334056854248},{"text":"I had you booked in to go through your annual review there today. Is that still a good time for you? No. Absolutely.","start_word":27,"end_word":49,"sentiment":"neutral","sentiment_score":0.17565743625164032},{"text":"Fantastic.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.4747973084449768},{"text":"Brooke, before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. That's fine.","start_word":51,"end_word":86,"sentiment":"neutral","sentiment_score":0.19013048708438873},{"text":"Fantastic.","start_word":87,"end_word":87,"sentiment":"positive","sentiment_score":0.46498942375183105},{"text":"And do you happen to have access to your emails there at the moment as well? Or Yeah. I'm in front of my laptop at the moment.","start_word":88,"end_word":114,"sentiment":"neutral","sentiment_score":0.06199578568339348},{"text":"oh, fantastic. Excellent.","start_word":115,"end_word":117,"sentiment":"positive","sentiment_score":0.4346742033958435},{"text":"I'm just gonna send through an email to you just with a copy of all your annual review documents there. If you wanted Yep. to open them up, we'll go through and have a bit of a chat about how your sleep has been going, have a look at any new goals that you do have, and look at any whether any new advice needs to be provided there for you as well. Okay? Just wanted to confirm your email address hasn't changed there at all. So I've got, sorry, brooked. Oh, my computer's all this slow. Sorry. Can you just repeat your email address to me? Is it brookgibbon@hotmail.com? Yes. It is. Yes. Yep. Sorry. My computer was freezing a little bit there. It was shaking. I thought I can just sort of see it. Sorry about No. that. No. You're right. Love technology when it wants to work there for us. There we go. I've just sent that there through to you now, so it should come through. Perfect. Now just while we are sort of receiving that email there, I do need to do a quick security check there for you as well. And this sorry. It's on its way to you now. Just just gonna do a quick security check. Can you confirm your full name, your date of birth, and address I should have on file? Brockmarie, Whitelaw, 381983. 101 Cooma Springs Boulevard, Upper Cooma, Perfect. Queensland 42 Beautiful. zero.","start_word":118,"end_word":362,"sentiment":"neutral","sentiment_score":0.08423720841505089},{"text":"Fantastic. And we do record our calls moving forward for quality and training purposes. You're happy for me to proceed with that moving through the call?","start_word":363,"end_word":388,"sentiment":"positive","sentiment_score":0.49141573905944824},{"text":"Yeah. That's fine.","start_word":389,"end_word":391,"sentiment":"neutral","sentiment_score":0.27658137679100037},{"text":"Oh, fantastic. Lastly, when we sort of caught up there for your annual review, everything was going really well. The business was growing nicely as well.","start_word":392,"end_word":417,"sentiment":"positive","sentiment_score":0.4845300316810608},{"text":"You just opened up another cake shop there as well. You just opened up it was it changed into a cake shop. Is that right? Yeah. So I did have a cafe, and then I got rid of that and just opened up my my cake shop. Yeah. Yeah. And how's that been going for you? Yeah. Really well.","start_word":418,"end_word":476,"sentiment":"neutral","sentiment_score":0.12484994530677795},{"text":"Really well. Fantastic. Fantastic.","start_word":477,"end_word":480,"sentiment":"positive","sentiment_score":0.5495820045471191},{"text":"Now just let me know when that email comes through. As we are kinda going through the review, is there anything specific you want a bit of touch on or any specific questions you might have there for me today as well? No. Not at the moment. So Yep. I'm sorry. That's okay. It's pointing to my junk. That's why That's okay. so just to sign the document. Give me one second. Yeah. You're right. Normally, did you wanna have a look at those first? Were you happy for me just to sort of run you through what the documents are? I don't ever want you to sign Oh, yeah. anything No. Sorry. you I'll just haven't that's read okay. or that you're not comfortable with. You're You're welcome fine. to go through them Yes. if you like. Perfect. All good. So So I'll start by just giving you a bit of an update on your super there because it's probably the main thing that you're sort of looking for. So having a Yep. bit of a look when we did your annual review last year, your balance then was a bit $68,005.55 and 37<unk> there. Looking at things now, we are up to 69,549 and 14<unk>. So it is definitely an increase on your balance, albeit a much smaller one. It is really important to sort of note that markets have been a bit volatile this year. So, obviously, returns can be a little bit lower with the expected ups and downs that we have seen with the market reactions. Generally, based on what's been going on between The US and Iran there, it's definitely had a bit of an on flow effect with us. And I'm just pulling up your super fund just to sort of double check the investments there as well to sort of see. But, look, in all honesty, it still is an increase.","start_word":481,"end_word":799,"sentiment":"neutral","sentiment_score":0.0010316871854018268},{"text":"We wanna see it going up, albeit a much smaller increase, so it is really good to see an increase on where we were last year.","start_word":800,"end_word":825,"sentiment":"positive","sentiment_score":0.38526323437690735},{"text":"Having a look at the actual return there we go.","start_word":826,"end_word":835,"sentiment":"neutral","sentiment_score":0.10648005455732346},{"text":"Beautiful. Just waiting for it to load there for me.","start_word":836,"end_word":845,"sentiment":"positive","sentiment_score":0.4528934955596924},{"text":"Yeah.","start_word":846,"end_word":846,"sentiment":"neutral","sentiment_score":0.2679557502269745},{"text":"You're right. Beautiful. So with the actual return there, you have seen essentially a positive return for the year, albeit a much smaller one.","start_word":847,"end_word":870,"sentiment":"positive","sentiment_score":0.41890379786491394},{"text":"It is an 8% return because your balance is a little bit lower there, sort of around that sort of $6,070,000 dollar mark.","start_word":871,"end_word":893,"sentiment":"neutral","sentiment_score":0.26294779777526855},{"text":"It is an 8% return. It is a good return. It is showing essentially a positive income and growth within that last twelve months of about $5,000 there.","start_word":894,"end_word":921,"sentiment":"positive","sentiment_score":0.4429720342159271},{"text":"But then you've obviously got your insurance premiums coming out as well, and they are quite high. So having a bit of look at the insurance side of things, at the moment based on your current, insurances, you do Yep. have your life and TBD with a current sum insured of a bit over a million dollars. So you're currently covered for a million and 12 and then $16 there at the end. And then you've also got your income protection policy there as well. Now your insurance premium, so your growth within the last twelve months as a dollar figure has shown as of an 8% return, but it was the dollar figure is 8,882 and 98<unk> there. So when I have a look at your insurance premiums for this year, your insurance premiums you actually paid 6 Yep. thousand $349.75 there.","start_word":922,"end_word":1065,"sentiment":"neutral","sentiment_score":0.06026551499962807},{"text":"So it is good.","start_word":1066,"end_word":1069,"sentiment":"positive","sentiment_score":0.4227014183998108},{"text":"You did see a bit of growth there. The balance is a little bit lower than where we would expect based on that growth, but it is purely because your insurance premiums are a bit higher as well. Yes.","start_word":1070,"end_word":1107,"sentiment":"neutral","sentiment_score":0.022459465716230243},{"text":"So your insurance premiums essentially ate away all that growth that we saw within that twelve months.","start_word":1108,"end_word":1124,"sentiment":"negative","sentiment_score":-0.34970250725746155},{"text":"So that is essentially where this may where this Okay. dip in Yep. your super has come from and why the growth looks so low and why the balance is not a huge difference from where we would expect on last year's balance. Does that make sense? Yeah. Yep. Yep. So do you think it's worth Yeah. lowering my my insurance? I mean, I'd like to keep the income insurance because Yeah. of renting a shop now. So if I don't, you know, if something happens and I don't have an income, I need to still pay my rent. Yeah. Absolutely. Absolutely. Well, let's have a bit of a look at what it is that you're actually wanting to achieve with your insurances there and to sort of Yep. see whether it is worth looking to reduce those at all. Now having a look at your income there last year. I can see your income was based on around about 90,000 per annum. Is that still fairly accurate for your income, or would you say that's gone up or down a little bit in the last year? I just did my 2023, 2024 tax, and that was only Mhmm. 65,000, but that was because I transitioned into my shop. So I Right. had spent a lot more in my fit out, and I hadn't earned as much because I was transitioning from Okay. a cafe to the cake shop. And, you know, I've only had my business open for just under two years. So I kind of needed to gain a bit more customer Right. flow, if that Right. makes sense. But I It would does. assume last year Yeah. so that was 2023, 2024. So my 2024, 2025 would no. Maybe that was no. Sorry. That was 2024, 2025. Sorry. I'm thinking last You're right. year, You're right. '25 to '26 should be a bit Yes. higher. So I probably would say around 80 to 85,000 because Okay. I haven't done that one yet. Yes. No. That's understandable. Perfect. So if I have a bit of a look now with income protection, you can be currently covered for up to 70% of that income based on a monthly benefit amount, and the monthly benefit is gross. So if you are in an income protection's claim, the same as with your income, you do pay income tax on that amount. So just sort of having a look, if we base it on 85,000, does that sound okay? Yes. Fine.","start_word":1125,"end_word":1543,"sentiment":"neutral","sentiment_score":0.011456875357252316},{"text":"Yeah. Beautiful.","start_word":1544,"end_word":1545,"sentiment":"positive","sentiment_score":0.5251513719558716},{"text":"So 85,000, and then we divide that, sorry, into a monthly amount. It essentially shows that you can be covered for up to $4,958.33 on a monthly basis based on the 70%. Yep. If I could have a look at this now, so your current sum insured is 5,400 oh, sorry. I'm actually looking at the wrong document. There we go. We're up to 5,562 as a monthly benefit there. So I'll just work out quickly what that is based on your income Five five six two. About twelve months. We had you in at, say, 90,000 last year. Yes. So it looks like based on 90,000 of income, the monthly benefit that you are covered for with income protection there is about 74.16% of your income based on 90,000. Did you Yep. feel like keeping your income protection at that higher rate because you are self employed and your income can go up and down and fluctuate might be more important to you? Or what's your thought?","start_word":1546,"end_word":1713,"sentiment":"neutral","sentiment_score":0.10960674285888672},{"text":"Difficult one, I know, because you kinda try to cover income that you may earn in the future, but also factoring in if or anything does, you know, if something was to occur in the future at the same time.","start_word":1714,"end_word":1753,"sentiment":"negative","sentiment_score":-0.4259135127067566},{"text":"Yeah. My oh gosh. I don't know. That's okay. How would we change it by just bringing, like, the the percentage down? Yeah. So there's a couple of things that we can definitely do. I can look at maybe just getting some quotes and seeing what would be preferred for yourself if you like, but, you do have an age 65 benefit period as well. So we can look to maybe look to make the premiums a bit cheaper by reducing the benefit period from, say, age 65 down to maybe a five year benefit period. That does have the risk that if in the event you are on an income protection claim, you can be on a claim for up to five years. If something was to you know, at that five year mark, if you still weren't able to go back to work, that claim stops that point. Got Whereas you. with Yep. your current benefit period at age 65, you can be on a claim up to age 65 or Yep. can be on income protection for that long.","start_word":1754,"end_word":1935,"sentiment":"neutral","sentiment_score":0.050111734840486734},{"text":"But reducing the benefit period can make the premiums more cheaper for you.","start_word":1936,"end_word":1948,"sentiment":"positive","sentiment_score":0.34023401141166687},{"text":"I can also look at adjusting the income protection monthly benefit for you. So we can look at maybe 70% of 90,000 and seventy percent of 85,000 for you, and you could Yep. sort of weigh up the difference in the cost to see what's more comfortable for yourself to reduce the the cover to. Does that sound okay? Yeah. Yeah.","start_word":1949,"end_word":2009,"sentiment":"neutral","sentiment_score":0.1337641477584839},{"text":"That should be fine.","start_word":2010,"end_word":2013,"sentiment":"positive","sentiment_score":0.3677590787410736},{"text":"Yeah. I'll look at all those options for you. Yep. I'll get some quotes. Are you did you want me to email them through or give you a call once I've got the quotes here and we can talk them through? What would you prefer? Either way, it doesn't worry me. You're more than welcome Yeah. to email them through. And if there's something that I don't understand, I can we can go through Absolutely. it over the Yeah. No. Not a problem at all.","start_word":2014,"end_word":2098,"sentiment":"neutral","sentiment_score":0.1695132553577423},{"text":"Excellent.","start_word":2099,"end_word":2099,"sentiment":"positive","sentiment_score":0.6290568113327026},{"text":"And then we've also phone. got here that you do have your life and TBD. So as I mentioned, this is just over a million dollars there at the moment. So it's 1,012,016. Essentially, with that, you do have level premiums. So, essentially, that means that the premiums are cheaper to begin with earlier on. Well, sorry. They're more they're normally they're more expensive to start earlier on, and they get cheaper as you get older. Having a look at your income your life and TBD, sorry, if you were to say pass away, what is it that you're wanting to cover? What is your main goal with having the life cover paid out to start with? What did you wanna cover if you were to pass away prematurely? Definitely my mortgage. So my husband's type one diabetic. So and luckily, Right. before he was diagnosed, he actually got insured. But he's only Okay. insured for about 500,000 because we can't Right. now alter that. We can't go and No. change insurers or anything like that. So, I mean, Tough. ideally, Yeah. I would like to be covered a little bit more than him. If Yeah. I was you know, if something was to happen to me, Yep. then it's just him with the kids. But so, yeah, at at least pay the house off. So, I mean, I Yep. could probably bring that down to maybe 7 Okay. Yep. So we could look at reducing your life cover down to 7 fifty. 100 and Yeah. 50,000. Yeah. Yep.","start_word":2100,"end_word":2358,"sentiment":"neutral","sentiment_score":-0.020399985784614407},{"text":"Beautiful.","start_word":2359,"end_word":2359,"sentiment":"positive","sentiment_score":0.48578429222106934},{"text":"And with the TPD, the total permanent disability cover, this is, you know, if you were to be you would still be alive, but, essentially, it's totally impaired. So totally permanently disabled. You can receive the benefit as a lump sum or an income stream depending on what you prefer. But TPD, normally, know, a lot of people wanna pay off their mortgage, maybe provide a Yep. little bit of extra income and things like that. If Yep. you were to be PPD'd and claiming on that level of benefit, do you think you'd be comfortable with the $7.50 with life, or do you have a certain amount that you're comfortable with? Or do is it just something you wanted to cover yourself for or have paid out? What do you feel like with CBD? What's your main goal there? What do you wanna have covered? Once again, probably just pay the mortgage and Yeah. then a a bit extra Yep. to cover medical That's okay. and stuff.","start_word":2360,"end_word":2527,"sentiment":"neutral","sentiment_score":0.002404885832220316},{"text":"God forbid I I ain't even talking about it.","start_word":2528,"end_word":2536,"sentiment":"negative","sentiment_score":-0.3575940728187561},{"text":"It's tough, isn't it? It's not easy to think about. Like, if something if some it means the biggest thing with insurances is you pay the premiums and literally nothing happens. You don't end up claiming on any of those. But it's always good to have some level of cover to protect yourself in the event. If you were to say because your mortgage at the moment, we had it noted last year at about 464,000. What is your mortgage now? Yeah. I think it's still up at about the $4.52. We did do interest only there for a little bit just while I was opening up the shop and, you know, Yeah. doing all those expenses. So did So that. I think it's around 62 at the moment. Okay. Beautiful. Sorry.","start_word":2537,"end_word":2668,"sentiment":"neutral","sentiment_score":-0.031481947749853134},{"text":"Fantastic.","start_word":2669,"end_word":2669,"sentiment":"positive","sentiment_score":0.4498162865638733},{"text":"462. I wish it 4 was only 62? sixty 2. $4.60 I know. 2. Wishful thinking. That's okay. That's not a problem at all. So about $4.62. So if you were Yes. to say cut yourself for, say, 750,000 of TBD as you sort of are thinking about the life, the 750,000, that then essentially $4.62. That leaves you about 288,000 there that you plus your super balance because your super is also can be paid out if you are Yep. unable to work at any point. Did you think maybe covering yourself for about the same amount would be preferable? And, you know, I think I should be fine. I've Yeah. I I wouldn't wanna go I don't think I wanna go any higher. Like you said, it's No. just, you know, extra money I'm paying every month and, you know, Yeah. something may That's not happen, okay. but God forbid something did at least. I've I've got something there anyway. Yeah. No. That's okay.","start_word":2670,"end_word":2835,"sentiment":"neutral","sentiment_score":-0.04702205955982208},{"text":"Perfect.","start_word":2836,"end_word":2836,"sentiment":"positive","sentiment_score":0.3912246227264404},{"text":"Now what I'm actually doing as well because it just double check. Your insurances are with Neos. So I've just got the codes out to go in there and look at trying to do some live quoting for you. So I'm just gonna bring up your file in the portal and just go in and alter the, quoting just to alter the policy just to sort of get some quotes for you so we can maybe see if this works. Sometimes the portal works and sometimes it doesn't. So I will see if it does. But if I can give you the quote now, it might just make it a little bit easier for you.","start_word":2837,"end_word":2951,"sentiment":"neutral","sentiment_score":0.160084846486216},{"text":"Beautiful.","start_word":2952,"end_word":2952,"sentiment":"positive","sentiment_score":0.5644049644470215},{"text":"Okay. So we'll look at with life and TBD reducing the sum insured to 750 for both of them. And the first quote I'll look at for you Did I was have the a income a million protection. for both? Did I originally have a million for both? Sorry. When you first applied, I can tell you exactly what we applied for. Just in this other section here. That was in 2020 that we were putting these into place. You've had them for quite some time. Originally, the recommendation there was sorry. I'm just pulling up the advice document originally just to have a look at what was recommended for you. You were recommended 773,000 of life and TBD. Yep. So, essentially, with the increases there and what normally happens with your insurance policy is that it does go through renewal periods every year. And as it goes through all those renewal periods, it does increase along with CPI. So the amount that you're covered for increases, but so does the cost of the premium, unfortunately. And that essentially has just increased continuously along with in inflation over the past couple of years. So you end up with bit over a million.","start_word":2953,"end_word":3154,"sentiment":"neutral","sentiment_score":-0.018180130049586296},{"text":"So it has increased really nicely.","start_word":3155,"end_word":3160,"sentiment":"positive","sentiment_score":0.4836936891078949},{"text":"The idea of doing that is that, you know, we all know a $100 this year isn't worth a $100 next year. Inflation eight ways, you know, borrowing buying out of our dollars. So the idea there is that you wanna keep if you had 700,000, you wanna keep that growing with inflation. So it actually covers what you wanted to, so that's why we just tend to increase those.","start_word":3161,"end_word":3230,"sentiment":"neutral","sentiment_score":-0.10562581568956377},{"text":"But it does unfortunately mean that your policy the cost of your policy increases along with that, which can be can be a bit much and can does get very expensive over time as you get older as well.","start_word":3231,"end_word":3269,"sentiment":"negative","sentiment_score":-0.550848662853241},{"text":"So now for the first quote there, if you like, I'll look at keeping your income protection with the same monthly benefit and just look at reducing the benefit period for you just to give you an idea of what this looks like. Let's see how much it actually decreases by. Here we go. 30. We'll do it as a five year benefit period, and I won't change anything else there. So looking at that, now your current premium, the amount I gave you before the 6,000, that's exactly how that's how much came out out of your super. The insurer actually received over 7,000 for the premium. But just making these changes, so reducing your life and TBD down to 750,000 and then reducing your income protection benefit period. So keeping the amount you're insured for the same, keeping the waiting period of thirty days, and just reducing your benefit period from 65 age sixty five to five years, it reduces the insurance premium to 4,940 and 67<unk>.","start_word":3270,"end_word":3440,"sentiment":"neutral","sentiment_score":0.14701242744922638},{"text":"So it does save a couple of thousand on the insurance premium there. Yep. So a little over 4,900 just to kind of even it out for you.","start_word":3440,"end_word":3468,"sentiment":"positive","sentiment_score":0.458814799785614},{"text":"And then if we were to also reduce the sum insured on your policy and say we brought it back to 70%, did you want me just to look at 70% of 90,000 first so it's kind of a a lesser decrease to start with? Yeah. Yep. Yep. Yep.","start_word":3468,"end_word":3517,"sentiment":"neutral","sentiment_score":0.02853378653526306},{"text":"Beautiful.","start_word":3517,"end_word":3518,"sentiment":"positive","sentiment_score":0.4815864562988281},{"text":"By '12. That brings us back to $5.02 $5.00 as a monthly benefit. So reducing your monthly benefit brings the the policy premium back to 4,783. So, again, it's a bit more of a reduction, another $200 there. Yep. Is that over the till I'm 55, or is that still with the five year reduced? That's with a five year benefit period. Yeah. If you kept it $8.65 and just reduced the sum insured, the monthly benefit back to 70% of your 90,000, it still ends up a bit over 6 Yep. thousand dollars for Okay. the premium. So it is still quite high. Yeah. It's that that benefit period that's Yeah. really sort of keeping the the premiums Yep. higher there. Yeah. Yep. Yep. Yeah. If we then Thank lose you. both of, say, 70% of 85,000, that gives us a monthly benefit of four so $4.09 $5.08 and 33<unk>. So $4.09 $5.08 is what they'll do. We keep a five year benefit period for you and reduce your life and take it to 750,000. The premium is around about $4,637 before the discount is applied. So you you get a 15% discount inside super, so you end up paying a little bit less outside of Yep. the super Yep. side of things. But that essentially, based on your current premium, is saving. Let's have a look here.","start_word":3518,"end_word":3747,"sentiment":"neutral","sentiment_score":0.1184060563535794},{"text":"So we're at 0163722. It's saving you about $2,833 for the first year.","start_word":3747,"end_word":3760,"sentiment":"positive","sentiment_score":0.3454580307006836},{"text":"It's important that I do note if you do decide to reduce your life, your TBD, and the income protection, reducing is no problem.","start_word":3760,"end_word":3784,"sentiment":"neutral","sentiment_score":0.07371031492948532},{"text":"It's very easy to do.","start_word":3784,"end_word":3789,"sentiment":"positive","sentiment_score":0.4434785842895508},{"text":"But it does mean if something happens and you wanna increase that policy then, you do have to go back to your new application.","start_word":3789,"end_word":3813,"sentiment":"neutral","sentiment_score":-0.13777022063732147},{"text":"And if there are changes to your health, it could mean the policy gets more expensive.","start_word":3813,"end_word":3829,"sentiment":"negative","sentiment_score":-0.3496752381324768},{"text":"There could be loadings or exclusions applied. Exclusions are essentially any preexisting condition they won't cover you for, so they exclude anything preexisting on the policy, and loadings tend to make the policy more expensive. So, like, for a type one diabetic, most poly most life policies have life of 50 or a 100% loading on them these days, and it just makes the policy 50 or a 100% more expensive for them. So it's just more about making sure you're aware of those sort of things. But did you wanna look at reducing that, or did you want me to send the quotes through to you? What is your thoughts, and do you have more questions for me? Can you do, like, a ten year instead of a five year, or is it only five? No. It's only five. So they do two years, five years, or age 65 for income protection, unfortunately. Okay. Could you maybe send them, and I can just have a a bit of a think Yeah. over what I should do? Yeah. Absolutely. I'll generate all of those after the call for you and email them through, and you're Yep.","start_word":3829,"end_word":4023,"sentiment":"neutral","sentiment_score":-0.1208389754478748},{"text":"welcome to have a bit of a look.","start_word":4024,"end_word":4031,"sentiment":"positive","sentiment_score":0.42161282896995544},{"text":"Let me know if you do have additional questions. I know it's a difficult thing to sort of Yeah. Yep. Yep. to decide on the spot. Don't wait. You feel like you have to make the call right now. But have a think about what you'd like to do, but that is probably one of the biggest things is as you do get older, your insurance premiums do become more expensive, which is Yeah. Yep. can Yep. be a bit of a problem. And it does tend to have an effect on your super because you are paying those premiums out of your out of your super fund. It does affect your returns and the long term growth of your super as well. So it's about And having I a I level yeah. You're Sorry. right. Sorry. Yeah. I know. Just So with the five years, though, obviously, I could be working another five or ten years, and then I can't work. So that five years won't kick in until I actually can't work. That's right. So with the income Yes. protection policy, you have a waiting period, which is thirty days. So it just means that you have to be off work for thirty days prior Oh, to making okay. a Yep. Yep. claim. Yep. That benefit period does not kick in until you actually make a claim. So it's not saying that you have income protection for the next five years and then you can't claim on it. Yeah. It's Yep. about if you're on a claim, you can be on a claim for up to five years. After Yep. the five years have been on claim, the claim stops. But the claim doesn't start until you meet that waiting period. So Yeah. Yeah. if you have this policy for the next ten years or fifteen years and Okay. then you make a claim, it's all still completely valid. Yeah. Does Yep. Yep. that make sense? Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yeah.","start_word":4032,"end_word":4367,"sentiment":"neutral","sentiment_score":-0.0237929355353117},{"text":"Perfect. Beautiful. Fantastic.","start_word":4368,"end_word":4370,"sentiment":"positive","sentiment_score":0.6614657640457153},{"text":"Well, I'll generate those couple of quotes and email them through to you after the call, Brooke. If you have questions, you're welcome to let me know. If you can decide what you wanna do, I can update the advice. I've also just been having a bit of look prior to the call at your investments as well, and I have noted that one of them has been slightly underperforming. So I would like to maybe remove that from your portfolio Yep. as well. Yeah. You did have originally, the Ben along Australian Equities investment within your portfolio there, which isn't a bad investment in any way. It was originally placed in your portfolio to be an actively managed fund. So the investment manager of that fund is trying to buy and sell, you know sorry, pick investments to make sure they're performing well, outperform against the market or the index that they're trying to track against. And they're trying to make money, by doing, yeah, more active management style in that fund.","start_word":4371,"end_word":4543,"sentiment":"neutral","sentiment_score":0.030414575710892677},{"text":"They haven't unfortunately been able to do that.","start_word":4544,"end_word":4551,"sentiment":"negative","sentiment_score":-0.33954641222953796},{"text":"I've been along have been a bit up and down over the past few years. They've had some really good returns and some not so good years.","start_word":4552,"end_word":4578,"sentiment":"neutral","sentiment_score":-0.25835248827934265},{"text":"Unfortunately, in the last couple of months, some of the underlying investments within their portfolio have been underperforming, which has caused them to underperform. They haven't been able to get out of them and have had some of their underlying investments have had some legal issues as well.","start_word":4579,"end_word":4626,"sentiment":"negative","sentiment_score":-0.4152110815048218},{"text":"So I would like to look at moving you out of that investment.","start_word":4627,"end_word":4639,"sentiment":"neutral","sentiment_score":-0.32773032784461975},{"text":"I feel like it's had enough time to try and build the returns, and it's not Yes. longer doing that.","start_word":4640,"end_word":4659,"sentiment":"negative","sentiment_score":-0.36559924483299255},{"text":"So it's time to give it a flick and find something a little bit better for you. Are you comfortable Yes. with me looking at something like that for you? Yes. Absolutely. Yeah.","start_word":4660,"end_word":4692,"sentiment":"neutral","sentiment_score":0.006655498407781124},{"text":"Beautiful.","start_word":4693,"end_word":4693,"sentiment":"positive","sentiment_score":0.4563490152359009},{"text":"Now because looking at your age and stage, now you are quite young. You've got a lot of time ahead of you before real estate you can access super. You can't access super under the current legislation until the age of 60 there. Do you feel like you would want me to put something in its place that is more in that active management style, or would you like to look at something a bit cheaper as an investment that might save you on fees, but that might be a bit more diversified and might give you a bit more of a passively managed exposure. Do you know which way you'd like me to look, or did you have more questions about that? If we reassess in twelve months, can I go the more active side? Yeah. Yeah. Definitely. And then, Did no, you want in me to twelve look months at things time. yeah. Did you want me to look at something passive for the moment, and then we just reevaluate it next time you review? Sorry. Were you doing something safe Do you was that yeah. It's up to you. So if you look at more of a passively managed investment, essentially, that's in more buying into a certain index fund. It can provide greater diversification. Or A passively managed fund is where the investment manager is just tracking the index. So as an example, you have the S and P 500 in your investment portfolio, and that's a passively managed fund because the investment manager is just tracking the S and P 500. Whenever there's changes within the S and P 500 index, there's changes within the S and P 500 investment that you're in as well. They're not trying to outperform against the market.","start_word":4694,"end_word":4991,"sentiment":"neutral","sentiment_score":0.08937629199768073},{"text":"They're just participating in the market. More often than not, you can actually get greater returns by doing that because the investment manager is not trying to pick the top and the bottom.","start_word":4992,"end_word":5024,"sentiment":"positive","sentiment_score":0.3623817265033722},{"text":"They're not trying to value companies and buy in at certain times. Therefore, they are actually taking a little bit less risk in the market. They're staying invested throughout the downtime. They just keep pulling money in whenever they need to, and they're not trying to pick the top and the bottom of the market. Active Yep. managers are. They're trying to pick the top and the bottoms. They don't always do that. No active manager has ever had a track record of doing it perfectly every time. They're valuing companies and trying to find when they're undervalued and buying at the right time, and they can take a bit more risk for doing that. With a investment manager that is more actively managed, you pay a bit more in fees, so the management fee can be a little bit higher. Whereas having more of a passively managed fund, you actually are saving it. They're not doing as much trading. They're not trying to outperform, and they're not doing they're still working as hard, but they're not doing as much buying and selling. They're just, you know, not trying to outperform against the market and beat the market and try to get greater returns.","start_word":5025,"end_word":5228,"sentiment":"neutral","sentiment_score":0.03148713870448809},{"text":"So it can actually be a little bit more cost effective and cheaper for you as well.","start_word":5229,"end_word":5245,"sentiment":"positive","sentiment_score":0.5190972089767456},{"text":"Does that make sense? Yeah. Absolutely. Let's do that. Yeah. Do the second one or Through the the first past one? due. The past due. The first one? Yeah. That's okay. One of the things I am looking at as well as with Bannalong, you have that investment manager holds generally between 15 to 20 different investors depending on what they're holding. With some of the passively managed funds, you can have the investments. The underlying investments can be a lot greater, like 200 odd.","start_word":5246,"end_word":5330,"sentiment":"neutral","sentiment_score":0.14610442519187927},{"text":"And having more investments in a fund helps to diversify your portfolio, which can help to lower the risk side of things. So if you looked at something a bit more passive, like saving fees, help to cover your insurance premiums, provide a bit more growth there if you're comfortable to, and also help to lower the risk of your portfolio by providing greater diversification.","start_word":5331,"end_word":5395,"sentiment":"positive","sentiment_score":0.3552422523498535},{"text":"Does that make sense?","start_word":5396,"end_word":5399,"sentiment":"neutral","sentiment_score":0.2059841156005859},{"text":"Thank you.","start_word":5400,"end_word":5401,"sentiment":"positive","sentiment_score":0.366851270198822},{"text":"Yeah. Did you want me to look at that for you? Yeah.","start_word":5402,"end_word":5413,"sentiment":"neutral","sentiment_score":0.11668862402439116},{"text":"That will be great. Thank you.","start_word":5414,"end_word":5419,"sentiment":"positive","sentiment_score":0.5431122183799744},{"text":"Yeah. That's okay. I have a a couple of really good options that I've been able to use to put in place there, but we don't want anything more underperforming for you. So we'll look at moving that out, and update the advice for you. I'll also Yep. send through those quotes after the call so you can let me know what you're comfortable with when it comes to the insurance side of things, and I can do one advice piece for you.","start_word":5420,"end_word":5502,"sentiment":"neutral","sentiment_score":0.21853456296116472},{"text":"Looking at reducing insurances, looking at replacing the investment for you, put all of that together over the next sort of five years, and show you how that, what kind of an effect that has.","start_word":5503,"end_word":5537,"sentiment":"positive","sentiment_score":0.3512367010116577},{"text":"Does that sound alright?","start_word":5538,"end_word":5541,"sentiment":"neutral","sentiment_score":0.19423449039459229},{"text":"Yeah. That'd be great. Fantastic. Excellent.","start_word":5542,"end_word":5547,"sentiment":"positive","sentiment_score":0.7756772041320801},{"text":"Now, Bruce, the other thing is you also do you also do do your non concessional contributions and claim your notice of intent at the end of the year. Yes. I believe I have a note here that you were emailed the notice of intent. I just wanna make sure that that is all good for you to sign and have applied. Mississippi You. is hold on. Give me one sec. Let me see. I'm gonna let my schedule. I I I didn't see it come through. No. That's okay.","start_word":5548,"end_word":5637,"sentiment":"neutral","sentiment_score":0.1020822376012802},{"text":"Net loss has been a little bit slow.","start_word":5638,"end_word":5645,"sentiment":"negative","sentiment_score":-0.4473354816436768},{"text":"It's not actually opening the portal for me at the moment. But you make those regular contributions on a weekly basis at the moment still, don't you? I was doing that. And because I have to do it, my accountant, what I was contributing to my super and then what I was able to claim, I was losing a fair bit. So she did Yes. start doing an intent to claim at the end of the calendar year and then Mhmm. again at the end of financial year. That is the best way because your insurance premiums Yes. got to come out partway through the financial year. So to get the best of that benefit claiming the NOI before your insurance premiums come out, and then another one doing a an adjustment at the end of the financial year does allow you to claim a much greater portion. Absolutely. Yeah. Is it and then she was thinking if I just put it in my savings account and at the end of financial year, just put in the lump sum in. Does Yeah. that You could still benefit abs or would that still yeah. lose too much You in? no.","start_word":5646,"end_word":5844,"sentiment":"neutral","sentiment_score":0.044090140610933304},{"text":"You can absolutely do it that way.","start_word":5845,"end_word":5851,"sentiment":"positive","sentiment_score":0.4115746021270752},{"text":"The main sort of benefit to doing it on a regular basis over the course of the year is that you are dollar cost averaging.","start_word":5852,"end_word":5876,"sentiment":"neutral","sentiment_score":0.2503056228160858},{"text":"So putting in a lump sum at the end of the year boosts your super the the amount goes into your super fund at one time, and then it's invested in the market at one time.","start_word":5877,"end_word":5912,"sentiment":"positive","sentiment_score":0.4579367935657501},{"text":"So if you're putting, say, 10 or 20 or 30% sorry, thousand in at one time, that 30,000 is invested into the market. If the market then takes a bit of a dip the next day, that money is still invested, and then your super fund goes down, And then that can have an effect on the return.","start_word":5913,"end_word":5970,"sentiment":"neutral","sentiment_score":0.12460139393806458},{"text":"Yep. Whereas if you are putting smaller amounts in over a regular period of time, you actually end up buying in the investments and holding more of the investments and taking a greater advantage of the market reactions. It's called dollar cost averaging. It helps to even out returns, even at the buy price of your investments, and can have a greater effect on your returns over the course of the year.","start_word":5971,"end_word":6042,"sentiment":"positive","sentiment_score":0.5797610878944397},{"text":"This the down sort of side is that because your insurance premiums come out, how your contributions go in I'm not sure if your account's explained or not. You've got two portions of your super. You have a taxable component and a tax free component. When you make those contributions, they go into your tax free component, and any employer contributions are in the taxable side of things. Whenever your insurance premiums come out of your account, they come out proportionate. So if you had, you know, 20% tax free and the rest taxable, it would come out 80% taxable, 20% tax free, and that is how your insurance premiums are paid. And because it comes out that way, it's not seen as a withdrawal, but it is seen as lessening how much you have available to claim.","start_word":6043,"end_word":6180,"sentiment":"neutral","sentiment_score":0.0900985673069954},{"text":"So your insurance premiums do have that effect. Realistically, being able to put that money in on a regular basis has a greater effect to your super.","start_word":6181,"end_word":6207,"sentiment":"positive","sentiment_score":0.5922362208366394},{"text":"I would just wanna, as your accountant said, make sure we are claiming that and and notice of intent on a regular basis before your insurance premiums and then after those again. Yep. But it's also up to you on what's comfortable for you because you're busy. You've got a business. It's growing. If you're more comfortable holding off and doing it at the end of the financial year, that's absolutely fine.","start_word":6208,"end_word":6279,"sentiment":"neutral","sentiment_score":0.22144502297871643},{"text":"What's more comfortable for you?","start_word":6280,"end_word":6284,"sentiment":"positive","sentiment_score":0.4615784287452698},{"text":"How do you sort of find putting the contributions in, and what would you prefer? I've seen up a purchase to go straight to theirs. That way, I can't touch it and use it for something else. Yep. So maybe Yep. I'll just continue to do the one at the end of calendar year and then again at the end of the financial year and just still do 200 a week. Yeah. Yeah.","start_word":6285,"end_word":6357,"sentiment":"neutral","sentiment_score":0.16455964744091034},{"text":"Absolutely.","start_word":6358,"end_word":6358,"sentiment":"positive","sentiment_score":0.4233624041080475},{"text":"So I'm just gonna have a quick look at the certificate of currency here for you because I can tell you when your insurance premiums come out. Let's have a look. So your anniversary date on this one is around about December. Yeah. Yeah. So if you were to do that notice of intent so it's about the December 10 there. So if you were to do that notice of intent, it's the same as you have been, you know, at calendar year, claiming it probably a week out from when your insurance, like, make sure your last payment goes in just before that. Claim a notice of intent for everything you have claimed, then your Yes. insurance premium comes out on the tenth, and then we make the next payment thereafter. And then at the end of the financial year, we just do a variation.","start_word":6359,"end_word":6504,"sentiment":"neutral","sentiment_score":0.09131303429603577},{"text":"Yep. And it's easy to do. We can actually set it up to do it that way for you to make it nice and easy.","start_word":6505,"end_word":6529,"sentiment":"positive","sentiment_score":0.5660321712493896},{"text":"I'll just get the team to give you a call in December, confirm when your next last contribution will go in before Christmas. Yep. We claim the notice of intent, get you to sign it, send it back to us. We'll send it to Netwealth to have it claimed. And then end of financial year, we can help you to sign the last one there and just do a quick variation. Did you want me to organize that for you? Mhmm.","start_word":6530,"end_word":6610,"sentiment":"neutral","sentiment_score":0.1779516041278839},{"text":"That that would be great. Yeah. Beautiful. You do get the best benefit by doing it that way, but it's also gotta work in with your life too because you're busy.","start_word":6611,"end_word":6641,"sentiment":"positive","sentiment_score":0.4573806822299957},{"text":"You've got a lot Yeah. going Yep. on. Yep.","start_word":6642,"end_word":6650,"sentiment":"neutral","sentiment_score":0.03801181477804979},{"text":"Beautiful.","start_word":6651,"end_word":6651,"sentiment":"positive","sentiment_score":0.6143290996551514},{"text":"Well, I'll do that. And you're still comfortable with the $200 per week. You're not planning to change or alter that at the No. I'm happy moment? with that. I mean, I look at Yep. it that I prefer to put that money away and it come out of of my tax bill at the end of the year. Yeah. Absolutely. Absolutely. We all pay way too much in tax, don't we?","start_word":6652,"end_word":6723,"sentiment":"neutral","sentiment_score":0.046397678554058075},{"text":"Beautiful. All good. Well, I'll definitely organize that for you.","start_word":6724,"end_word":6733,"sentiment":"positive","sentiment_score":0.4868195354938507},{"text":"I'll add that into the advice to reflect. I just wanted to update a few additional details here for you just to sort of see what else might have changed over the course of the year. Yep. Now having a look, we've confirmed your income.","start_word":6734,"end_word":6778,"sentiment":"neutral","sentiment_score":0.1636203974485397},{"text":"Everything's going well with the cake shop there. You've got good growth.","start_word":6779,"end_word":6790,"sentiment":"positive","sentiment_score":0.45308220386505127},{"text":"Assets and liabilities, now we've got your update of mortgage amount. The amount of the property on your main primary residence, you have that valued about 900,000 last year. What kind Alright. of value do you put on that now? I'd probably it'd definitely be over 1,000,000. Yep. I'd probably go $1.01 to 1.2. I'm Yep. happy to go around the 1,000,000 because, obviously, I just think now at the moment, we just had the pricing coming starting to come down a little bit. So, Yes. yeah, maybe go, yeah, between one and 1.2. We haven't actually had a valuation done, but given our land when we received our land valuation and other is selling within the area Yeah. because they keep ringing and asking if we wanted to sell, and they tell us what next door sell for or not. So, yeah, I probably got that Yeah. 1.2 Yep. at most.","start_word":6791,"end_word":6942,"sentiment":"neutral","sentiment_score":0.004470348823815584},{"text":"Beautiful. Excellent.","start_word":6943,"end_word":6944,"sentiment":"positive","sentiment_score":0.3872564733028412},{"text":"And we also had two cars down here. I apologize. I don't have a a note of which car is which, but the first one I had valued at 50,000. Which car would you have valued valued at 50,000 That would last be year? my husband's I do do m UX.","start_word":6945,"end_word":6995,"sentiment":"neutral","sentiment_score":0.008216401562094688},{"text":"Beautiful.","start_word":6996,"end_word":6996,"sentiment":"positive","sentiment_score":0.3911539912223816},{"text":"I'm just gonna put here a m u x next to it so I can tell Yep. which one's which. And that vehicle's owned outright as well? It is.","start_word":6997,"end_word":7025,"sentiment":"neutral","sentiment_score":0.047668881714344025},{"text":"Yes. Fantastic.","start_word":7026,"end_word":7027,"sentiment":"positive","sentiment_score":0.5873739719390869},{"text":"And then I've got a secondary vehicle here with an asset value of about 7,000. Which car would you value about I don't there? have that anymore. That died last year. Oh, oh, I'm so sorry. Oh, no. So I had to buy a new one. Oh, what did you end up getting? I got the Cherry Tiggo four. Wow. My mom bought one of those. Do you like it? I do. I just needed to buy the cheapest car because of I, you know, I wasn't anticipating having to buy a car Yeah. last year with the business and everything. So I'm just like, Yeah. oh, and I heard they they won the best small car of 2024 or 2025. I'm like, I'll I'll go with Yes. it. And, yeah, I test drove it, and I love it. Yes.","start_word":7028,"end_word":7167,"sentiment":"neutral","sentiment_score":0.06278663873672485},{"text":"Oh, lovely.","start_word":7168,"end_word":7169,"sentiment":"positive","sentiment_score":0.3793317973613739},{"text":"Yes.","start_word":7170,"end_word":7170,"sentiment":"neutral","sentiment_score":0.27845460176467896},{"text":"She loves it too.","start_word":7171,"end_word":7174,"sentiment":"positive","sentiment_score":0.5071397423744202},{"text":"She thinks it's Yeah.","start_word":7175,"end_word":7178,"sentiment":"neutral","sentiment_score":0.2431999444961548},{"text":"great.","start_word":7179,"end_word":7179,"sentiment":"positive","sentiment_score":0.4493529200553894},{"text":"It was just a cheap car to get around, only travels Yep. locally. And I Yep. was like, look. It's just it's a much of a muchness. You just gotta be happy with the car you've you've got. And sometimes just buying Yeah. Absolutely. a cheap car and a new car is easy to buy over a used car. Like, you never know what Yeah. you're getting, at least with Yep. a new car. Even with the Cherries, you have that, you know, that security. If there's something's wrong, they're gonna have to fix it. So Yes. I agree. Absolutely. Yeah. Yeah. So, yes, for So that what one, for now, the Wow. value of that one was Yeah. I think I pay all I thought was 31,000. Okay. And would you value it about the same? Yeah. Maybe to pay 30,000. Yes.","start_word":7180,"end_word":7322,"sentiment":"neutral","sentiment_score":0.06311988085508347},{"text":"Beautiful. Excellent.","start_word":7323,"end_word":7324,"sentiment":"positive","sentiment_score":0.4936455190181732},{"text":"And with your husband's there, I know they hold their value really nicely, but would you keep that about 50,000, do you think? I would. He's just a limited edition. So, Yeah. yeah, I'd probably say still 50,000.","start_word":7325,"end_word":7362,"sentiment":"neutral","sentiment_score":0.008327215909957886},{"text":"Beautiful. Just over Excellent.","start_word":7363,"end_word":7366,"sentiment":"positive","sentiment_score":0.5721560716629028},{"text":"five years old. No. Not a problem at all. And then we've got the boat noted down as well with a value of 20,000. Would Yep. you alter or change that? Keep it No. I'd keep that yeah.","start_word":7367,"end_word":7404,"sentiment":"neutral","sentiment_score":0.08268391340970993},{"text":"Beautiful.","start_word":7405,"end_word":7405,"sentiment":"positive","sentiment_score":0.4319339990615845},{"text":"And any other assets, any other cars, boats, caravans, collections, anything of value, shares, or cryptocurrency that you've got back the there same. at all? No. Yeah. That's like I put the kids No. on there. I mean, they're more liabilities, aren't they? Aren't they? My Yes. three are. All good. And I had here that we were sort of tracking towards retirement of around about age 70. Do you think you're gonna wanna keep working till then, or do you think you'd like to hopefully retire earlier? What's your sort of thoughts moving Look. forward? I could retire tomorrow, but in reality, Yep. I'd probably say it'd be close to 70. 70? Yep. That's okay. We also hear that you were looking to hopefully live on income of about $1,000 a week by that age. Is that still sort of your goal? I know you've got a bit of time ahead of you that could change down the track, but is that what we're tracking for at the moment, Yeah. do you think? Yeah. Yeah. Yep. That'd be fine.","start_word":7406,"end_word":7585,"sentiment":"neutral","sentiment_score":0.026340650394558907},{"text":"Beautiful.","start_word":7586,"end_word":7586,"sentiment":"positive","sentiment_score":0.3712407946586609},{"text":"Yep. Excellent. And when we sort of caught up last year, you mentioned that you'd be selling the business in retirement to help sort of fund your retirement aspect. Are you still thinking you might sell that down the track, or are you hoping to keep it open and maybe have employees to work for you in retirement to supplement income? Or what's your thoughts with the business? At the moment, I'm things up and down at the moment with everything going on, Yeah. small businesses and that. I would just quickly say to maybe sell it in the end. Yes. I don't know if I could if I'd want to still oversee it with staff. Yeah. Yeah. I still think I'd say sell it. Yep. Yep. That's okay.","start_word":7587,"end_word":7715,"sentiment":"neutral","sentiment_score":-0.0008404460237469784},{"text":"Excellent.","start_word":7716,"end_word":7716,"sentiment":"positive","sentiment_score":0.668678343296051},{"text":"And what sort of value would you put on the business as a whole Not at good. the moment if you were to sell it? I know it's a tough a tough one. No. Well, at the moment, I can't sell it because I'm still a sole trader. Sorry. So I haven't become a company Yes. yet. So I've I wouldn't even have a clue. I couldn't No. give No. you That's okay. That's not a problem at all. Are you planning on sort of changing everything to a company structure moving forward in the future, or you sort of think it'll probably stay about the same? What's your I'm hoping to. My accountant Yeah. is just advised at the moment my tax bracket is still better off as a sole trader before coming a company. So, Yeah. yeah, at the moment, she's advised just to stay with that. I mean, in the next couple of years, I've just employed a school based apprentice. She's starting Yeah. next Oh, semester. excellent. Yeah. So she'll Yes. be doing one day a week for me. So, hopefully, once I get her on board, because it is just me at the moment, Damn. I'm just wanting to try and grow it a little bit more. Yes. Then, hopefully, within the two years become a company. Yeah.","start_word":7717,"end_word":7939,"sentiment":"neutral","sentiment_score":-0.01221231371164322},{"text":"Beautiful.","start_word":7940,"end_word":7940,"sentiment":"positive","sentiment_score":0.5347212553024292},{"text":"Next two years.","start_word":7941,"end_word":7943,"sentiment":"neutral","sentiment_score":0.3301498293876648},{"text":"Excellent.","start_word":7944,"end_word":7944,"sentiment":"positive","sentiment_score":0.5252194404602051},{"text":"And do you have any other goals that you're sort of working towards that you'd like to sort of maybe achieve, or is it more just, you know, working on through from building towards retirement and also looking at building the business? Yeah. Just sorry at the moment. Yep. That's That's enough. okay. No. Not a problem Just trying at all. to get through life day by day. Yeah. Absolutely. Now the only other thing I just wanted to touch on with insurance is we are looking at trying to reduce the cost of cover at the moment, and, obviously, you have a lot going on with your business and growing and expenses outside with the cost of living. Yep. You have your life, your TV, your income protection policy. You don't have any extra cover, life trauma or child trauma. These sorts of policies can pay out a lump sum tax free benefit in the event of, say, a large major diagnosis like cancer, stroke, heart attacks. With child trauma, you can cover your children up to the age of about 15 to 16 depending on what age they are. How old are your kids? My eldest is 15, and my youngest is 12. Okay. So entry age for child trauma is anywhere up to sort of 15 or 16 depending on the policy type. And, again, it can also cover your kids for traumatic events like heart attacks, strokes, cancers, lots of different illnesses and things that can sort of hit adults and children as a traumatic event. These sorts of policies are held outside of super, so they are an external cost. They're not tax tax deductible in any way because they're not linked to your income. Yep. But did you wanna look at getting any new types of cover outside of super, like trauma and and or child trauma, or are you happy just to try and get the cover inside super reduced a little bit to save some money? What's your thoughts there? Yeah. I'll probably just try and get the cover inside, reduce it a little bit if I can. Yeah.","start_word":7945,"end_word":8301,"sentiment":"neutral","sentiment_score":0.06064782014080122},{"text":"Absolutely. Absolutely. Not a problem at all. Well, I've definitely got somewhere to go with that. I've got some really good ideas to update the advice there for you. I'll go back and do a little bit of research around that aspect, just making sure that the investment we choose put into place is working well for you. I'm trying to save you a bit in fees as well because having a bit more money invested with your balance at the moment, keeping fees as low as possible is a good idea. It keeps more money in your super compounding towards your retirement goals. And then also the same thing with trying to reduce those insurance premiums. Keeps more money in your super compounding so we can hopefully see a much greater return. The return essentially was great prior to your insurance premiums coming Yep. out. So Yep. we wanna see your balance grow a little bit higher and a little bit better towards your goals. So once you sort of see your balance get over that 1,000 sorry. A 100,000 to $150,000 mark, you see the compounding effect get a lot bigger there. So we just need to push it a little bit higher if we can, Yep. and then sort of, you know, see it grow, and you'll see the compounding effect grow even more from there.","start_word":8302,"end_word":8530,"sentiment":"positive","sentiment_score":0.5529333691409581},{"text":"It's one of those things we slug it out over the first ten to fifteen years to get our super balance up to that sort of, you know, one hundred and fifty to two hundred thousand dollar mark.","start_word":8531,"end_word":8568,"sentiment":"neutral","sentiment_score":0.2868049442768097},{"text":"Once you kinda get over that mark there, the compounding effect is a lot bigger, and it tends to grow a lot faster for you as well. So I'll put the advice and see what we can do to help you along in that way.","start_word":8569,"end_word":8613,"sentiment":"positive","sentiment_score":0.4461315870285034},{"text":"Okay? Yes. Now just looking I'm just I think I found the intent to claim. It's the Super Accelerator personal super form that That it has should be my it. Yeah. concessional contributions taxed at 15 Yep. percent and then a non concessional.","start_word":8614,"end_word":8656,"sentiment":"neutral","sentiment_score":0.07115057855844498},{"text":"Perfect.","start_word":8657,"end_word":8657,"sentiment":"positive","sentiment_score":0.4222456216812134},{"text":"So I do have that. He sent that through Beautiful. to me on the seventeenth. Does okay. Do me a favor. Don't sign it just yet. I just wanna double check the form. I'm gonna go back into the file just to double check the form that has been signed because it looks like now I'm just double checking. Did you I can see here that in your transactions, it looks like you did did you sign one in December at all? I'm I just would having have done a look. that intensive claim in December. My accountant would have done would have asked me to do it. Sorry. Which I would have done myself through the web through the online Yeah. report and Yeah. statement. This is last night. Okay. So it looks like here the contributions, it looks like your notice of intent, you've signed it on the fifteenth. Of June. Yeah.","start_word":8658,"end_word":8811,"sentiment":"neutral","sentiment_score":-0.002814243438762504},{"text":"I haven't I haven't signed anything.","start_word":8812,"end_word":8817,"sentiment":"negative","sentiment_score":-0.34735676646232605},{"text":"He Didn't just did sign it. a intent to claim and sent Okay. it through. Just from I'm just gonna bring up our my email to the guy that Yeah. You're right. rang Because me. I can see the contributions tax. I can see the contributions tax fee has been added to the account already. So it's like it has been submitted. Contribution going in. So Caden? Yes. Okay. So, yes, they're saying so wanting to intent to claim. Would you like to make a notice of intent to claim for my personal contributions? And I said yes. But Mhmm. he then Yep. submitted that for me. Yep. So it has been submitted.","start_word":8818,"end_word":8930,"sentiment":"neutral","sentiment_score":0.028843605890870094},{"text":"Yeah. That's absolutely fine. That's fine.","start_word":8931,"end_word":8936,"sentiment":"positive","sentiment_score":0.5349913835525513},{"text":"I just wanted to make sure that the contributions were all correct on the form. But yeah. No. Look. It has all gone through.","start_word":8937,"end_word":8960,"sentiment":"neutral","sentiment_score":0.12159533053636552},{"text":"It has been claimed. That should be fine.","start_word":8961,"end_word":8968,"sentiment":"positive","sentiment_score":0.4396437108516693},{"text":"You should get the confirmation letter. Has Netwealth sent the confirmation letters through to say they have completed that? I've just got the letter list. I've just got the letter, which is the super Accelerator purse good afternoon. Please wanna attach important correspondence relating to your network account. Should you have Yes. any queries in relation to this email, please contact NetWell. And then there's a PDF with the super accelerator personal super.","start_word":8969,"end_word":9041,"sentiment":"neutral","sentiment_score":0.18042100965976715},{"text":"Thank you for lodging a section tax notice Yep. for the financial Perfect.","start_word":9042,"end_word":9054,"sentiment":"positive","sentiment_score":0.49313050508499146},{"text":"year ended in June 3. That's it. Yeah. That's Yep. the one. So that basically says that the contribution that the notice of intent has been claimed. The only Yep. thing I would have sort of wanted to hold off on is if you wanted to make another contribution before the end of the year, but that all has been claimed now. Oh, Are okay. you intending Yep. to make one more contribution by the end of this year, or are you just sort of planning to start again in July? Or No. I'm just going to start again in July. Okay. Yeah. Yeah. So that That's would be the fine. final one. So yeah. So and Yes. then all of the contributions were taxed at 15%. So there was no non concessional Yep. contribution. Is that is that correct? No. Yes. So what happens is all the contributions, the $200 that you've been putting into the account, that all goes in. When you claim that notice of intent, that means the super fund takes 15% tax out of the contributions, and then they become taxable. Yep. So, yeah, the tax has Yep. all been taken out. Yep. Yeah. Yep.","start_word":9055,"end_word":9254,"sentiment":"neutral","sentiment_score":-0.0016674479795619843},{"text":"Perfect. Awesome. That's absolutely fine.","start_word":9255,"end_word":9259,"sentiment":"positive","sentiment_score":0.6695594787597656},{"text":"I just wanted to make sure and double check that there wasn't another contribution through. So Oh, I'll okay. let the team Yeah. know that No. that's No. Yep. all been submitted. Just wanna make sure you didn't miss any contributions. That's all. Yep. And I'll make sure that they also make contact in December just Yep. to allocate another another one. I'll get someone to give you a call so you'll hear from my admin team member, Samantha, and she'll give you a call to let you know they're gonna claim the notice of intent now, that we just wanna make sure no additional contributions go in until after your insurance premiums come out.","start_word":9260,"end_word":9374,"sentiment":"neutral","sentiment_score":0.10319294035434724},{"text":"And we can make a habit of doing that for you every year to make it easier. That Yep. way you get the most of that benefit of that that non that contribution you put into your super.","start_word":9375,"end_word":9412,"sentiment":"positive","sentiment_score":0.4683839678764343},{"text":"Does that make sense? Yep. Yes.","start_word":9413,"end_word":9418,"sentiment":"neutral","sentiment_score":0.21423177421092987},{"text":"Beautiful.","start_word":9419,"end_word":9419,"sentiment":"positive","sentiment_score":0.5683639049530029},{"text":"Do you have any other questions or anything else in relation to the contributions or Perfect. the notes No. of intent? I think we've Or covered I think we've covered everything.","start_word":9420,"end_word":9450,"sentiment":"neutral","sentiment_score":0.0636763796210289},{"text":"Beautiful. Beautiful.","start_word":9451,"end_word":9452,"sentiment":"positive","sentiment_score":0.4769139885902405},{"text":"Now the last thing I'm gonna run through really quickly is just a risk profile questionnaire. I know we do one of these every year. Just making sure that you are invested correctly, making sure I'm looking at the right portfolio for you. The first one here is just have you ever invested in direct shares or managed funds outside of super? The last ones No. we always had no one. Have you? You haven't bought any shares? Nope. That's No. okay. Don't know what I'm doing, so no. That's okay. If there's ever something you wanted to look at doing, come and have a chat with us. We do also build investment portfolios outside of super, and we can definitely look at helping you in that area as well. Yep. Okay?","start_word":9453,"end_word":9584,"sentiment":"neutral","sentiment_score":0.012072349785629549},{"text":"Perfect. Beautiful.","start_word":9585,"end_word":9586,"sentiment":"positive","sentiment_score":0.7337841391563416},{"text":"Now looking at the average rate of return you're looking to try and get from your super, obviously, we're gonna try and get the best rate of return we possibly can on a yearly basis, make our super work as hard as possible. I'll tick the box number one for you there. The next one here is asking essentially with the market ups and downs, with how we're invested. When we are taking on more risk in the market, we do expect to have negative years or years where the portfolio doesn't perform as well due to market expectations and what happens globally. So this is probably a really good example of that. We have seen what's been going on between The US and Iran. It has made the market a bit volatile. We have seen those ups and downs. When you kinda think about the level of risk you're taking, do you consider yourself happy to take on a higher level of risk now to try and get the best returns you can knowing you're also taking you know, you also have the risk of a negative downturn in those sorts of times, or do you consider yourself more less risky, not wanting to take on as much risk and see as much of a downturn? How do you sort of rate yourself in that? I was I think I was more of a risk last year. Yeah. I suppose for them, it isn't just going up so much up and down at the moment. I mean, I probably maybe would tend to go a little bit more safer. Yep. Yep. So you sort of see see yourself in the middle. If you sort of looked at it on a scale of one to five, five being very risky, a 100% invested in the market, one being no risk at all, all in cash essentially or very little risk. Would you sort of see yourself in the middle around about a three, or do you think you'd be a little bit lower? I'd probably say three. About a three? Yeah. Yep.","start_word":9587,"end_word":9938,"sentiment":"neutral","sentiment_score":-0.0345576415579258},{"text":"Perfect.","start_word":9939,"end_word":9939,"sentiment":"positive","sentiment_score":0.5555310249328613},{"text":"If you did see the market take a bit of a dip over the next twelve months with what we are seeing in the markets generally, do you think you would maybe call us and see what's happening? Would you maybe wanna take advantage of that market reaction and put more money in, or do you think yourself a bit concerned and maybe wanting to put your money into something safer? How do you think you might be feeling? I think I'd be fine. Like you said, it Yeah. you know, it always changes, and I still got a few years to go. So, I mean, if it was Yeah. to dip and I was to lose a bit, I'm sure, you know, the cycles go around. So I would hope that it would pick up again. Yeah. Yeah. Yeah.","start_word":9940,"end_word":10079,"sentiment":"neutral","sentiment_score":-0.10718152672052383},{"text":"Absolutely. Perfect.","start_word":10080,"end_word":10081,"sentiment":"positive","sentiment_score":0.4021090567111969},{"text":"Now having a look at this one here, you have scored there as more of a growth investor. We do, at the moment, have you invested as a high growth investor. So that's generally where you see 90% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities. And then the other 10% in lower risk defensive investments like cash, bonds, and fixed interest. A high growth portfolio is expected to sort of obtain, sorry, about a eight to 10% on a yearly basis compounding that over time. And the likelihood of a negative return is expected kind of one in every five years. And this sort of portfolio suits someone who's willing to stay invested for about eight years or longer. So you do have that time time horizon ahead of you to stay in that kind of environment. With the way you have scored, it would see us reduce your risk level a little bit by about 10% to the growth portfolio, which has an 8080% in growth investments and 20% in defensive lower risk investments. Again, it has the likelihood of a negative return, kind of one every five years, And we're trying to sort of obtain average returns of about seven to 9% on a yearly basis, and it has a six year time horizon for investment. Do you think that you wanna stay where you are for another year and just maybe adjust the portfolio a bit, or do you wanna look at reducing your risk level? How do you feel about that? We could just see where I am at the moment. Yep.","start_word":10082,"end_word":10359,"sentiment":"neutral","sentiment_score":-0.046078678059706585},{"text":"Beautiful.","start_word":10360,"end_word":10360,"sentiment":"positive","sentiment_score":0.5533563494682312},{"text":"So we'll stay high growth there currently, Yep. and then we'll just adjust the portfolio and see what that does over the Yep. next twelve months. Does that sound okay? Yeah.","start_word":10361,"end_word":10391,"sentiment":"neutral","sentiment_score":0.1917322278022766},{"text":"That's great. Yeah. Beautiful.","start_word":10392,"end_word":10395,"sentiment":"positive","sentiment_score":0.5519604086875916},{"text":"And did you wanna do another catch up in another six months or so around about December to see how things are going, or are you happy with just a a regular annual review once a year? What would you like to see? I think I'm happy with the twelve monthly. Yep.","start_word":10396,"end_word":10447,"sentiment":"neutral","sentiment_score":0.10989134013652802},{"text":"Beautiful. Lovely. Not a problem at all, Brooke. Excellent.","start_word":10448,"end_word":10456,"sentiment":"positive","sentiment_score":0.42500656843185425},{"text":"Well, what I'll do is I'll go back and do a bit of research there for you. I'll get those quotes downloaded and emailed to you shortly. Do feel free to let me know if there's any issues or if you have any questions with regard to those. I can always come back and generate additional quotes there for you. I'm just double checking. The last thing here is your your sorry. Beneficiaries. I have noted here that in the event of something happened, you wanted everything to be paid to your husband. That is still correct. You don't wanna change those in any way, shape, or form. No. No. We're still we're still No. together. You're still good. Lovely. I didn't think you did. Easy. He's probably very upset if you did change those. Goodness. And, also, I've got here that you haven't had a will or power of attorney in place. Have you guys spoken to a lawyer? Have you talked about getting a will drawn up in power of attorneys and those sorts of estate planning documents? No. Not yet. No. That's okay. Did you want me to email some information through on a bit of a estate planning on, like, a just cost base on a local solicitor we can refer you through to, or are you happy just to sort of leave that at the moment? Oh, I'm happy if you could send something through here. That'd be Yeah. great. Yeah.","start_word":10457,"end_word":10702,"sentiment":"neutral","sentiment_score":0.04054874926805496},{"text":"Beautiful.","start_word":10703,"end_word":10703,"sentiment":"positive","sentiment_score":0.3768311738967895},{"text":"I sort of use it as just to start the conversation, kinda Yep. gives you an idea of what a solicitor might charge. And there are some other options out there like using the public trustee as well. So I can get that information and attach it for you, which might also be handy and helpful for you guys. Yep. Okay? Yes.","start_word":10704,"end_word":10765,"sentiment":"neutral","sentiment_score":0.15297666192054749},{"text":"Perfect. Beautiful. Look. I've touched on a lot.","start_word":10766,"end_word":10773,"sentiment":"positive","sentiment_score":0.5301610231399536},{"text":"Do you have any additional questions? Is there anything that I've missed or that you wanted to sort of have me touch on this afternoon that you No. I think additionally? we've covered it all.","start_word":10774,"end_word":10808,"sentiment":"neutral","sentiment_score":0.10160578787326811},{"text":"Beautiful. All good. Well, thank you so much for your time. I will let you go. You have a great afternoon. I'll get cracking on the research and get those quotes out through to you, and then we'll go from there and update the advice.","start_word":10809,"end_word":10853,"sentiment":"positive","sentiment_score":0.5974354147911072},{"text":"My team will let you know once that's ready to go, and we'll Yep.","start_word":10854,"end_word":10867,"sentiment":"neutral","sentiment_score":0.3226585388183594},{"text":"book you back in and go through the advice together.","start_word":10868,"end_word":10877,"sentiment":"positive","sentiment_score":0.33508971333503723},{"text":"Okay? Okay.","start_word":10878,"end_word":10879,"sentiment":"neutral","sentiment_score":0.18485958874225616},{"text":"Perfect. And I'll sign that Perfect. to that form that came through.","start_word":10880,"end_word":10891,"sentiment":"positive","sentiment_score":0.3815106153488159},{"text":"Yeah.","start_word":10892,"end_word":10892,"sentiment":"neutral","sentiment_score":0.28634774684906006},{"text":"Legend. Thank you so Yep. much. That's I really okay. appreciate that. You have Thank a great you. afternoon. I Thank will. you. You too.","start_word":10893,"end_word":10917,"sentiment":"positive","sentiment_score":0.5559774041175842},{"text":"Bye.","start_word":10918,"end_word":10918,"sentiment":"neutral","sentiment_score":0.25421327352523804},{"text":"Thanks. See you later.","start_word":10919,"end_word":10922,"sentiment":"positive","sentiment_score":0.43021202087402344},{"text":"Bye.","start_word":10923,"end_word":10923,"sentiment":"neutral","sentiment_score":0.2010573148727417}],"average":{"sentiment":"neutral","sentiment_score":0.07946643421586587}}}}