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Perfect. So a couple of main things I wanted to do today. So we've got some information here, and I've been tracking your your old retirement goal that you had with us when you first started with Oakview. And I had you wanting to have around about 500,000 in the super and possibly retiring early towards the age of 60. Does that sound about right? Cool. So I've been looking at some updated projections just to make sure that you're on track for that, and you you came very, very close to it. There's a couple little things that I need to do to make sure we can get you there. And then you've had some changes to the old QSuper account. I don't know if you guys talk at work about what happens when you turn 55 with those ones. Okay. So Yep. Yep. Yeah. Oh, perfect. Okay. So you already did the nomination. You got the so I'm just having a look at the split there. So the amount kept deferred retirement benefit, that was $9.5. You would have taken that out, got a little bit of tax, and then the other 14 just straight across into the accumulation account. Yeah. We can sort that out for you. I just wanted to double check in terms of they still seem to have a little bit of insurances attached to it, a bit of life and disability cover. And I'm just wondering, do you want me to just, like, keep that running for a little while longer, or do you wanna close it? It's about 45,000 worth of life insurance and disability insurance. We can transfer the bulk of it over. We normally just keep a minimum just to make sure insurances and other benefits aren't lost. Like, I can do a movement of most of it if you'd wanna go that way. But if we close it, they'll they'll delete the insurances. That's all. Yeah. And I don't honestly, I don't think we'd be able to get too much on there. I can do a bit of a quote up because you've got a pretty a pretty office based role. Senior payroll officer for UGL. Yeah. So do you want me to see if I can get maybe just take a little bit of, like, life insurance through the hub in order to get that across? That's exactly one thing because I'm trying to get through somebody else. I reckon we'd be starting to creep up into the thousand, $2,000 mark. And it's just gonna eat away at the super. So I'd be more inclined to keep that QSuper going just for a little while because it's it's like $2 a week for the the life insurance. It's pretty cheap. Yeah. And then when you hit 60, we can close it all and put it into the pension account when you no longer need it. Cool. And you've got your contributions going in there, so I can I can move a bunch across into the good portfolio because I know QSuper's had a bit of a wild ride in terms of returns? Don't know if you guys talk at work much, but the 4.9% for five years has been extremely low. They used to be the best or top three. Yeah. So what I'm gonna do is I'll see how much we have to keep in there to keep it open because the contributions keeps it active. And then usually the minimum 6,000, maybe maximum of 10 that we need to keep. Anything else I can kind of move across and then wait till 60 for the rest. I did have you actually, they may actually be going into the other account. Sorry. No. You are right. Sorry. Your salary sacrifice and everything is going into hub. It's just the the remaining balance in q super at the moment. You are right. Sorry about that. So that's all going in there at the moment. So I'll double check the old opt in to see if we need to do anything. Have you opted into that cover before online or over any forms to make sure it doesn't disappear? Yeah. There's usually like something called an opt in button where you you hit a button and it says, oh, you're opting in to make sure we don't close your insurances prematurely. It's just basically just like a notice to them, really. Cool. What I might do oh, fair enough. I'm gonna dive in. I'll get in touch with them and see what the easiest way is to do that. And then what I'm thinking is we just opt into that, keep the minimum that we need to, and that way the insurances are there for the next five years, and then everything can just roll into the hub, and that's all good. Cool. And then what I mentioned about the the retirement goal sort of thing is you're getting close to 300,000 in the hub. You've got that bit of money in the queue server as well. So to get it from the three to the five, this is honestly the crunch period where you get your last good returns, but then you also don't wanna risk it all because you don't wanna be sitting there at 59, stock market crashes for the global financial crisis again or COVID, and then you lose 200,000. So I need to be very, very careful in the risk level just to make sure I can get you up to the 500. And then that way, when you hit sixty sixty one, you can pretty much just hang up the boots. So let me have a quick look at the investment here. So you're in a growth portfolio. That's probably the part that's a little bit of a concern because normally you wanna have seven or eight years left to be at a growth because it's kinda like a four out of five on the risk scale. And I'm thinking maybe we drop it down a peg to, like, a three or so or a three and a half just to still keep it growing, but just make sure we're not risking too much in case something explodes in the next couple of years. K. So I'm gonna do some updated projections. I'll do the opt in for the q super. I'll see what we can move between the accounts, and then I'll see if I can just reduce the risk level just down a peg and still keep you on track for that goal. At the same time, I'll do an engine tune up. There's a couple of options I wanna switch out in there, so I'll get the portfolio updated for you. I think just from what I can see you're invested in, there's one or two there that I think I can get the fees a little bit lower as well. And I think if we go for some lower fee options, that will help boost it up as well. Does that sound okay? Cool. So I'll put that research together over the next couple of weeks, update some projections for you, and then I'm gonna get Michelle to book us in, and we'll just run through that, make sure you're happy before I touch anything, and answer any questions you've got. Now last couple of things I wanted to touch on with you before I let you go is just in terms of any other main, like, cash flow priorities for you, because you're obviously doing the salary sacrifice. There was mentions of holidays and things like that. What's your your focus for the next couple of years with your savings? So is there, like, a set amount that you're putting aside, and do you have anything that you need? You know, you're obviously finishing off the mortgage, Any debts and things like that, you're just trying to prioritize? Yeah. Because I've got you there with the there's a caravan, a boat, a few cars, and the home. And I'm sort of thinking, are you still okay to do that salary sacrifice and then focus the rest on the mortgage and the car loans? Cool. Alright. So I just wanted to update the cash flow projections. When I had a look at your contributions, it seemed like maybe your income had bumped up a little bit. I'm not sure if you've done your tax return for the year, but are you sitting in around a 105,000 now, or is it still back towards the 90 mark? Yep. Perfect. That's what I worked back on the contribution, so that makes sense to me. We've got you on some partner fee discounts with us. We've Shane 1.1% with the partner fee. Just to let you know that we do have, at Oakview, some tiered fees coming along next year. So for everybody above 200,000, there's some discounts. And above 500,000, we do provide some further discounts as well. But we have had to increase the the lower fee next year just because we haven't touched it for five years. And, obviously, the electricity has gone up, and the taxes have gone up and everything's gone up. So when we come to the review next year, I'll make sure I've got an updated calculation for you just to factor in the discounts and everything and make sure you know what we'd be charging then as well. Make sure you're still happy with it. Cool. Last couple of details. I've got the income. Just in terms of the mortgage, it was at $2.20 at the time. Do you know what it's sitting out at the moment? Still about the same. And and what about the the valuation? I'm not sure how often you would check the value of it these days. Okay. Amazing. And potentially over the next couple of years might sell that often. So what just kind of, like, jump on a block with with your son and and build, like, what, a couple of dwellings on there or sharing in in the same house? Or oh, yeah. Yeah. Yeah. That's amazing because that's becoming more and more common these days. I'm seeing the sort of multi generations linking in together, and we're starting to do a lot more estate planning advice where we're talking to people, their children, their grandchildren about those arrangements, how to put them in on paper, and just trying to make sure everyone's looked after. Sometimes we jump into aged care conversations as well. So if anything happens next year, please feel free to give us a buzz, and I'd be more than happy to kind of walk through some updated plans, any kind of ideas, and a few pros and cons as well. But it does sound like a great idea. Yeah. Yep. Just gotta sort of go through the motions and see what happens or not. Yeah. Mhmm. Yeah. It's actually one of the best strategies anyone can ever do. It's something called a a transition to retirement, a TTR. Basically, what we can do is if you're still working, we can either do two things. Do a recontribution where you pull some money out of your super and put it back in again for, like, a tax deduction and boost it up that way with the tax differences. Or if you wanna go part time, you can pull out just a small amount to top you up from your super, and we can set up a bit of a pension account for you. Yeah. So when you hit 60, you can access up to 10%, and that can be in any way you wish. It can be monthly payments. It can be a one off lump sum. If you really wanted to, you could hit 60 and, you know, June comes, you pull out 10%, and then July of the new financial year, you pull out another 10%. So there's different ways of doing it, and it really depends on what happens with health and work over the next five years, what happens with the property, the mortgage, and that idea you were telling me. And then once you do hit 59, we do pre retirement planning with you guys, and we'll work out where's best to move all the money around when you hit 60 and what type of accounts we need to set up. Is that okay? Yep. So once you get there, it still says separate, and then it just turns into so when you know how they say you're an you're an accumulation account with QSuper? That's when all your money is locked away and preserved. And then when you hit a condition of release, like hitting 60, fully retiring, and so on, you can then actually move the money from an accumulation account into one of two pension accounts. One is the transition one if you're still working, which is up to 10% can come out, or there's a full account based pension where you're fully retired and you've got access to the whole lot. Pre retirement, 10%. If you're fully retired, you hit 60, you can pull out the whole lot. 10% is the max we can do as a lump sum, as a one off, unless there's you know, if you hit TPD where you're disabled, then you'll get the insurance and the super then. Yeah. So a few ideas. Don't need to plan it all now, but yeah. And that's what we do. So at the moment, the main thing is I wanna just kind of fix up the q super and the hub portfolio a little bit, reduce the risk down, sort of a few things out there. And then as you get closer and closer and your life changes, just let me know, and I'll adjust things and go through those options with you each year. Yeah. Great question. So have you ever looked up the government retirement standard before? So it's just a bit of an estimate from ASFA, ASFA, and they basically say that, you know, for a comfortable lifestyle, you you wanna have as a couple around $78,000 a year worth of income coming out as a bit of a benchmark. Now to produce 78,000, you basically need one of two figures. If you had $780,000 between you, you could pull out 10% of that balance, and it would still last around about twenty, twenty five years until you hit your nineties. So you need a minimum of $7.80 combined to hit that amount. Now if you doubled it just for for argument's sake and you had 1,500,000 just just for argument's sake, you could pull out that $78,000 a year, and it would never go down. You would kind of earn 5%, pull out 5%, and you would always have $1,500,000 sitting there. So the range is from $7.80 to 1.5, anywhere in between, and you're on track. I can definitely get yours to the let me have a quick look. I can definitely get yours towards that 500 mark, like I was saying, by 60. And then if you worked an extra couple years, that would help as well. And if Shane's on about 400,000, then, yeah, trying to get that the last 100 or 2 on a pretty good track. The only main issue you've got is still having the mortgage there. But it's not sorry. Debbie, go for it. Gotcha. Yeah. So that's a bit of a worst case scenario. Well yeah. But worst case scenario, like, unless you're wanting to be quite extravagant with the retirement lifestyle, let's say you hit 63. You could pull out the last $100,000, pay off the mortgage, still have enough for a comfortable amount for a lot of years. And even as the surplus slowly goes down, the age pension will top you up towards the end as well, and that'll keep you going too. So it's not like you have to go to age 67. I definitely think you guys will retire somewhere between 60 and 67. But when we get there, we can move money around where we need to. Like, you don't have to go the full twelve years. We can stop a few years early, pay off a little bit with the soup, and you should still have enough. Okay. Cool. So these reviews will become a bit more important every year as those options come. Our main job at the moment is just still try and get as much growth as possible without taking on too much risk. And then when it gets closer, we start moving things, changing accounts, and then we can finish off that retirement planning with you guys. Cool. Let me have a quick look. Two and a half years. Alrighty. Got a bit of a no. That's okay. Yeah. So I think he's actually coming up now. I can see that he had a bit of a date there on our system for the September 26. So what I'm gonna do is I'll get the team to reach out soon to get him booked in. And then look. Staggered retirement's fine too. If there's a couple of years difference where he goes, look, I'll stop at 60 and you go through to 63 for those five years difference, that shouldn't cause too much trouble. We can work with that. But definitely worth having that conversation with him, make sure everything's on track well, And then possibly next year or the year after, we should probably have both of you guys on the same call just to have a bit of a joint chat, make sure we're we're pretty serious about what when we change the major changes. That sound okay? Easy done. Let us know, and I'll take it off the system there. No. You've done enough for us. Thank you for that, Debbie. What I would like to just quickly touch on, Shane, we've got listed as the beneficiary for your super for the estate planning. But I had a note here, and please forgive me if this is out of date just because system removed everything across. Says that you had a company online will that you may have put in place in 2021 that you were possibly needing to update just in terms of wills and powers of attorney. 2021. Yeah. Hopefully, it's just registered with the government courthouses there, and it's it's findable. I was just gonna ask if you remember doing anything in terms of putting in place a power of attorney. So, you know, if you're sick, someone can talk to the doctors, access the bank accounts, and whatnot. Yeah. If it helps so I know a lot of people go online or through lawyers to get wills done, but you can get a power of attorney kit from Australia Post that a government approved, like, $25. So if that helps, there's a few options around. Yeah. Do you guys have many sort of split bank accounts under each other's names between different banks, or do you guys tend to kind of bank jointly? Yeah. So that's the main risk you've got. See, that's the issue is if something happens to you and you can't act on your own behalf, he would have to go to the court to sue for probate to get access to the accounts, and a power of attorney would kind of skip that process a little bit. So I I do recommend that you guys look into it just because you guys carry that risk a bit more than others. That's good. Yeah. Yeah. Something like that. The only thing I can't recall is if those basic kits, if they how many steps you can go. I think they do one or two. I just can't quite recall, but definitely worth having a look at for the price, definitely. Alright, Debbie. Anything any other questions for me at this point? Cool. What I'll basically do is again, we'll do the risk standardize, fix the following a little bit. I'll see what we'll do with the Q's moving around so the insurances don't disappear. And then I've put in a few notes there about possibly that plan you guys are doing with your son if that comes to fruition next year. If not, we'll kind of have that plan to talk to Shane about when he hits 60, and then afterwards whether you go past 60, whether we pay off the mortgage, do a bit of a transition strategy, and I've put all that in the system so everyone can see kind of the direction that we're looking at together. Amazing. Alright. So leave it with me. I'll dive into a few things, and then I'll talk to you in a few weeks once I've got those updated plans put together for you. And I will get someone to reach out to Shane for his review as well. No worries at all, Dean. Actually, can I ask you before you go, how often do you guys think about it, and and is it exciting to think that it's coming close to where you don't have to don't have to go in and clock in? Yeah. Yeah. Yeah. Yep. Yeah. Well, to be honest, you guys are doing all the right things to make sure you can, and I'm pretty confident that you'll get there. And, look, we'll do our our bit alongside you to tweak a few things here and there just to get it up there. But I've seen a lot worse positions than you guys, and I think you're in a pretty good spot, you know, despite having the mortgage there. I think you'll still get to the end point and definitely be okay. Yeah. That's the best part of my job is I do have the clients that as they retire, we set them up with a pension account, and we go, look, here's your monthly payments to live off. And when you want that $10.20 grand to go to Europe, there you go. And then they get to send us a photo from their trip, put it on the office there, and everyone has a bit of a laugh and and a bit of a smile. And then we just have that conversation a few years later. They're probably spending a bit too much. They have to go to Europe every six months, maybe just slow down a little bit. Perfect. Yeah. No. I think that'd be lovely, and I'll I'll factor that in too. But look, thank you very much for taking the time to chat to us, and and it really helps to be able to just have these quick chats, update a few things, and then we can do our bit. So I just wanna say thank you. No. Awesome. Good. Talk to you soon. Cheers. 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Debbie. It's Tommy here again from OkeView. Is that a little bit better? Amazing. Amazing.\n\nSo just to let you know that this call is recorded same as the last. Is that alright? Perfect. Perfect. So a couple of main things I wanted to do today.\n\nSo we've got some information here, and I've been tracking your your old retirement goal that you had with us when you first started with Oakview. And I had you wanting to have around about 500,000 in the super and possibly retiring early towards the age of 60. Does that sound about right? Cool. So I've been looking at some updated projections just to make sure that you're on track for that, and you you came very, very close to it.\n\nThere's a couple little things that I need to do to make sure we can get you there. And then you've had some changes to the old QSuper account. I don't know if you guys talk at work about what happens when you turn 55 with those ones. Okay. So Yep.\n\nYep. Yeah. Oh, perfect. Okay. So you already did the nomination.\n\nYou got the so I'm just having a look at the split there. So the amount kept deferred retirement benefit, that was $9.5. You would have taken that out, got a little bit of tax, and then the other 14 just straight across into the accumulation account. Yeah. We can sort that out for you.\n\nI just wanted to double check in terms of they still seem to have a little bit of insurances attached to it, a bit of life and disability cover. And I'm just wondering, do you want me to just, like, keep that running for a little while longer, or do you wanna close it? It's about 45,000 worth of life insurance and disability insurance. We can transfer the bulk of it over. We normally just keep a minimum just to make sure insurances and other benefits aren't lost.\n\nLike, I can do a movement of most of it if you'd wanna go that way. But if we close it, they'll they'll delete the insurances. That's all. Yeah. And I don't honestly, I don't think we'd be able to get too much on there.\n\nI can do a bit of a quote up because you've got a pretty a pretty office based role. Senior payroll officer for UGL. Yeah. So do you want me to see if I can get maybe just take a little bit of, like, life insurance through the hub in order to get that across? That's exactly one thing because I'm trying to get through somebody else.\n\nI reckon we'd be starting to creep up into the thousand, $2,000 mark. And it's just gonna eat away at the super. So I'd be more inclined to keep that QSuper going just for a little while because it's it's like $2 a week for the the life insurance. It's pretty cheap. Yeah.\n\nAnd then when you hit 60, we can close it all and put it into the pension account when you no longer need it. Cool. And you've got your contributions going in there, so I can I can move a bunch across into the good portfolio because I know QSuper's had a bit of a wild ride in terms of returns? Don't know if you guys talk at work much, but the 4.9% for five years has been extremely low. They used to be the best or top three.\n\nYeah. So what I'm gonna do is I'll see how much we have to keep in there to keep it open because the contributions keeps it active. And then usually the minimum 6,000, maybe maximum of 10 that we need to keep. Anything else I can kind of move across and then wait till 60 for the rest. I did have you actually, they may actually be going into the other account.\n\nSorry. No. You are right. Sorry. Your salary sacrifice and everything is going into hub.\n\nIt's just the the remaining balance in q super at the moment. You are right. Sorry about that. So that's all going in there at the moment. So I'll double check the old opt in to see if we need to do anything.\n\nHave you opted into that cover before online or over any forms to make sure it doesn't disappear? Yeah. There's usually like something called an opt in button where you you hit a button and it says, oh, you're opting in to make sure we don't close your insurances prematurely. It's just basically just like a notice to them, really. Cool.\n\nWhat I might do oh, fair enough. I'm gonna dive in. I'll get in touch with them and see what the easiest way is to do that. And then what I'm thinking is we just opt into that, keep the minimum that we need to, and that way the insurances are there for the next five years, and then everything can just roll into the hub, and that's all good. Cool.\n\nAnd then what I mentioned about the the retirement goal sort of thing is you're getting close to 300,000 in the hub. You've got that bit of money in the queue server as well. So to get it from the three to the five, this is honestly the crunch period where you get your last good returns, but then you also don't wanna risk it all because you don't wanna be sitting there at 59, stock market crashes for the global financial crisis again or COVID, and then you lose 200,000. So I need to be very, very careful in the risk level just to make sure I can get you up to the 500. And then that way, when you hit sixty sixty one, you can pretty much just hang up the boots.\n\nSo let me have a quick look at the investment here. So you're in a growth portfolio. That's probably the part that's a little bit of a concern because normally you wanna have seven or eight years left to be at a growth because it's kinda like a four out of five on the risk scale. And I'm thinking maybe we drop it down a peg to, like, a three or so or a three and a half just to still keep it growing, but just make sure we're not risking too much in case something explodes in the next couple of years. K.\n\nSo I'm gonna do some updated projections. I'll do the opt in for the q super. I'll see what we can move between the accounts, and then I'll see if I can just reduce the risk level just down a peg and still keep you on track for that goal. At the same time, I'll do an engine tune up. There's a couple of options I wanna switch out in there, so I'll get the portfolio updated for you.\n\nI think just from what I can see you're invested in, there's one or two there that I think I can get the fees a little bit lower as well. And I think if we go for some lower fee options, that will help boost it up as well. Does that sound okay? Cool. So I'll put that research together over the next couple of weeks, update some projections for you, and then I'm gonna get Michelle to book us in, and we'll just run through that, make sure you're happy before I touch anything, and answer any questions you've got.\n\nNow last couple of things I wanted to touch on with you before I let you go is just in terms of any other main, like, cash flow priorities for you, because you're obviously doing the salary sacrifice. There was mentions of holidays and things like that. What's your your focus for the next couple of years with your savings? So is there, like, a set amount that you're putting aside, and do you have anything that you need? You know, you're obviously finishing off the mortgage, Any debts and things like that, you're just trying to prioritize?\n\nYeah. Because I've got you there with the there's a caravan, a boat, a few cars, and the home. And I'm sort of thinking, are you still okay to do that salary sacrifice and then focus the rest on the mortgage and the car loans? Cool. Alright.\n\nSo I just wanted to update the cash flow projections. When I had a look at your contributions, it seemed like maybe your income had bumped up a little bit. I'm not sure if you've done your tax return for the year, but are you sitting in around a 105,000 now, or is it still back towards the 90 mark? Yep. Perfect.\n\nThat's what I worked back on the contribution, so that makes sense to me. We've got you on some partner fee discounts with us. We've Shane 1.1% with the partner fee. Just to let you know that we do have, at Oakview, some tiered fees coming along next year. So for everybody above 200,000, there's some discounts.\n\nAnd above 500,000, we do provide some further discounts as well. But we have had to increase the the lower fee next year just because we haven't touched it for five years. And, obviously, the electricity has gone up, and the taxes have gone up and everything's gone up. So when we come to the review next year, I'll make sure I've got an updated calculation for you just to factor in the discounts and everything and make sure you know what we'd be charging then as well. Make sure you're still happy with it.\n\nCool. Last couple of details. I've got the income. Just in terms of the mortgage, it was at $2.20 at the time. Do you know what it's sitting out at the moment?\n\nStill about the same. And and what about the the valuation? I'm not sure how often you would check the value of it these days. Okay. Amazing.\n\nAnd potentially over the next couple of years might sell that often. So what just kind of, like, jump on a block with with your son and and build, like, what, a couple of dwellings on there or sharing in in the same house? Or oh, yeah. Yeah. Yeah.\n\nThat's amazing because that's becoming more and more common these days. I'm seeing the sort of multi generations linking in together, and we're starting to do a lot more estate planning advice where we're talking to people, their children, their grandchildren about those arrangements, how to put them in on paper, and just trying to make sure everyone's looked after. Sometimes we jump into aged care conversations as well. So if anything happens next year, please feel free to give us a buzz, and I'd be more than happy to kind of walk through some updated plans, any kind of ideas, and a few pros and cons as well. But it does sound like a great idea.\n\nYeah. Yep. Just gotta sort of go through the motions and see what happens or not. Yeah. Mhmm.\n\nYeah. It's actually one of the best strategies anyone can ever do. It's something called a a transition to retirement, a TTR. Basically, what we can do is if you're still working, we can either do two things. Do a recontribution where you pull some money out of your super and put it back in again for, like, a tax deduction and boost it up that way with the tax differences.\n\nOr if you wanna go part time, you can pull out just a small amount to top you up from your super, and we can set up a bit of a pension account for you. Yeah. So when you hit 60, you can access up to 10%, and that can be in any way you wish. It can be monthly payments. It can be a one off lump sum.\n\nIf you really wanted to, you could hit 60 and, you know, June comes, you pull out 10%, and then July of the new financial year, you pull out another 10%. So there's different ways of doing it, and it really depends on what happens with health and work over the next five years, what happens with the property, the mortgage, and that idea you were telling me. And then once you do hit 59, we do pre retirement planning with you guys, and we'll work out where's best to move all the money around when you hit 60 and what type of accounts we need to set up. Is that okay? Yep.\n\nSo once you get there, it still says separate, and then it just turns into so when you know how they say you're an you're an accumulation account with QSuper? That's when all your money is locked away and preserved. And then when you hit a condition of release, like hitting 60, fully retiring, and so on, you can then actually move the money from an accumulation account into one of two pension accounts. One is the transition one if you're still working, which is up to 10% can come out, or there's a full account based pension where you're fully retired and you've got access to the whole lot. Pre retirement, 10%.\n\nIf you're fully retired, you hit 60, you can pull out the whole lot. 10% is the max we can do as a lump sum, as a one off, unless there's you know, if you hit TPD where you're disabled, then you'll get the insurance and the super then. Yeah. So a few ideas. Don't need to plan it all now, but yeah.\n\nAnd that's what we do. So at the moment, the main thing is I wanna just kind of fix up the q super and the hub portfolio a little bit, reduce the risk down, sort of a few things out there. And then as you get closer and closer and your life changes, just let me know, and I'll adjust things and go through those options with you each year. Yeah. Great question.\n\nSo have you ever looked up the government retirement standard before? So it's just a bit of an estimate from ASFA, ASFA, and they basically say that, you know, for a comfortable lifestyle, you you wanna have as a couple around $78,000 a year worth of income coming out as a bit of a benchmark. Now to produce 78,000, you basically need one of two figures. If you had $780,000 between you, you could pull out 10% of that balance, and it would still last around about twenty, twenty five years until you hit your nineties. So you need a minimum of $7.80 combined to hit that amount.\n\nNow if you doubled it just for for argument's sake and you had 1,500,000 just just for argument's sake, you could pull out that $78,000 a year, and it would never go down. You would kind of earn 5%, pull out 5%, and you would always have $1,500,000 sitting there. So the range is from $7.80 to 1.5, anywhere in between, and you're on track. I can definitely get yours to the let me have a quick look. I can definitely get yours towards that 500 mark, like I was saying, by 60.\n\nAnd then if you worked an extra couple years, that would help as well. And if Shane's on about 400,000, then, yeah, trying to get that the last 100 or 2 on a pretty good track. The only main issue you've got is still having the mortgage there. But it's not sorry. Debbie, go for it.\n\nGotcha. Yeah. So that's a bit of a worst case scenario. Well yeah. But worst case scenario, like, unless you're wanting to be quite extravagant with the retirement lifestyle, let's say you hit 63.\n\nYou could pull out the last $100,000, pay off the mortgage, still have enough for a comfortable amount for a lot of years. And even as the surplus slowly goes down, the age pension will top you up towards the end as well, and that'll keep you going too. So it's not like you have to go to age 67. I definitely think you guys will retire somewhere between 60 and 67. But when we get there, we can move money around where we need to.\n\nLike, you don't have to go the full twelve years. We can stop a few years early, pay off a little bit with the soup, and you should still have enough. Okay. Cool. So these reviews will become a bit more important every year as those options come.\n\nOur main job at the moment is just still try and get as much growth as possible without taking on too much risk. And then when it gets closer, we start moving things, changing accounts, and then we can finish off that retirement planning with you guys. Cool. Let me have a quick look. Two and a half years.\n\nAlrighty. Got a bit of a no. That's okay. Yeah. So I think he's actually coming up now.\n\nI can see that he had a bit of a date there on our system for the September 26. So what I'm gonna do is I'll get the team to reach out soon to get him booked in. And then look. Staggered retirement's fine too. If there's a couple of years difference where he goes, look, I'll stop at 60 and you go through to 63 for those five years difference, that shouldn't cause too much trouble.\n\nWe can work with that. But definitely worth having that conversation with him, make sure everything's on track well, And then possibly next year or the year after, we should probably have both of you guys on the same call just to have a bit of a joint chat, make sure we're we're pretty serious about what when we change the major changes. That sound okay? Easy done. Let us know, and I'll take it off the system there.\n\nNo. You've done enough for us. Thank you for that, Debbie. What I would like to just quickly touch on, Shane, we've got listed as the beneficiary for your super for the estate planning. But I had a note here, and please forgive me if this is out of date just because system removed everything across.\n\nSays that you had a company online will that you may have put in place in 2021 that you were possibly needing to update just in terms of wills and powers of attorney. 2021. Yeah. Hopefully, it's just registered with the government courthouses there, and it's it's findable. I was just gonna ask if you remember doing anything in terms of putting in place a power of attorney.\n\nSo, you know, if you're sick, someone can talk to the doctors, access the bank accounts, and whatnot. Yeah. If it helps so I know a lot of people go online or through lawyers to get wills done, but you can get a power of attorney kit from Australia Post that a government approved, like, $25. So if that helps, there's a few options around. Yeah.\n\nDo you guys have many sort of split bank accounts under each other's names between different banks, or do you guys tend to kind of bank jointly? Yeah. So that's the main risk you've got. See, that's the issue is if something happens to you and you can't act on your own behalf, he would have to go to the court to sue for probate to get access to the accounts, and a power of attorney would kind of skip that process a little bit. So I I do recommend that you guys look into it just because you guys carry that risk a bit more than others.\n\nThat's good. Yeah. Yeah. Something like that. The only thing I can't recall is if those basic kits, if they how many steps you can go.\n\nI think they do one or two. I just can't quite recall, but definitely worth having a look at for the price, definitely. Alright, Debbie. Anything any other questions for me at this point? Cool.\n\nWhat I'll basically do is again, we'll do the risk standardize, fix the following a little bit. I'll see what we'll do with the Q's moving around so the insurances don't disappear. And then I've put in a few notes there about possibly that plan you guys are doing with your son if that comes to fruition next year. If not, we'll kind of have that plan to talk to Shane about when he hits 60, and then afterwards whether you go past 60, whether we pay off the mortgage, do a bit of a transition strategy, and I've put all that in the system so everyone can see kind of the direction that we're looking at together. Amazing.\n\nAlright. So leave it with me. I'll dive into a few things, and then I'll talk to you in a few weeks once I've got those updated plans put together for you. And I will get someone to reach out to Shane for his review as well. No worries at all, Dean.\n\nActually, can I ask you before you go, how often do you guys think about it, and and is it exciting to think that it's coming close to where you don't have to don't have to go in and clock in? Yeah. Yeah. Yeah. Yep.\n\nYeah. Well, to be honest, you guys are doing all the right things to make sure you can, and I'm pretty confident that you'll get there. And, look, we'll do our our bit alongside you to tweak a few things here and there just to get it up there. But I've seen a lot worse positions than you guys, and I think you're in a pretty good spot, you know, despite having the mortgage there. I think you'll still get to the end point and definitely be okay.\n\nYeah. That's the best part of my job is I do have the clients that as they retire, we set them up with a pension account, and we go, look, here's your monthly payments to live off. And when you want that $10.20 grand to go to Europe, there you go. And then they get to send us a photo from their trip, put it on the office there, and everyone has a bit of a laugh and and a bit of a smile. And then we just have that conversation a few years later.\n\nThey're probably spending a bit too much. They have to go to Europe every six months, maybe just slow down a little bit. Perfect. Yeah. No.\n\nI think that'd be lovely, and I'll I'll factor that in too. But look, thank you very much for taking the time to chat to us, and and it really helps to be able to just have these quick chats, update a few things, and then we can do our bit. So I just wanna say thank you. No. Awesome.\n\nGood. Talk to you soon. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Debbie.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.06270694732666016},{"text":"It's Tommy here again from OkeView.","start":2.6399999,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.08666899800300598},{"text":"Is that a little bit better?","start":4.3199997,"end":5.54,"sentiment":"neutral","sentiment_score":0.051594422509272896},{"text":"Amazing.","start":8.0,"end":8.4,"sentiment":"positive","sentiment_score":0.7524949312210083},{"text":"Amazing.","start":8.4,"end":8.8,"sentiment":"positive","sentiment_score":0.7175045609474182}],"sentiment":"neutral","sentiment_score":0.15156211936846375,"num_words":16,"start":1.92,"end":8.8},{"sentences":[{"text":"So just to let you know that this call is recorded same as the last.","start":8.8,"end":11.44,"sentiment":"neutral","sentiment_score":0.253273809949557},{"text":"Is that alright?","start":11.44,"end":12.259999,"sentiment":"neutral","sentiment_score":0.18127471208572388},{"text":"Perfect.","start":13.679999,"end":14.16,"sentiment":"positive","sentiment_score":0.6606528162956238},{"text":"Perfect.","start":14.16,"end":14.639999,"sentiment":"positive","sentiment_score":0.6263700723648071},{"text":"So a couple of main things I wanted to do today.","start":14.639999,"end":17.645,"sentiment":"neutral","sentiment_score":0.23151523823087866}],"sentiment":"neutral","sentiment_score":0.26376199337743944,"num_words":31,"start":8.8,"end":17.645},{"sentences":[{"text":"So we've got some information here, and I've been tracking your your old retirement goal that you had with us when you first started with Oakview.","start":17.645,"end":25.985,"sentiment":"neutral","sentiment_score":0.16317793956169716},{"text":"And I had you wanting to have around about 500,000 in the super and possibly retiring early towards the age of 60.","start":27.724998,"end":36.85,"sentiment":"neutral","sentiment_score":0.08451097035272555},{"text":"Does that sound about right?","start":36.85,"end":38.23,"sentiment":"neutral","sentiment_score":0.0910370722413063},{"text":"Cool.","start":39.89,"end":40.37,"sentiment":"positive","sentiment_score":0.4145626723766327},{"text":"So I've been looking at some updated projections just to make sure that you're on track for that, and you you came very, very close to it.","start":40.37,"end":48.175,"sentiment":"neutral","sentiment_score":0.2664377623134189}],"sentiment":"neutral","sentiment_score":0.1748819184248094,"num_words":81,"start":17.645,"end":48.175},{"sentences":[{"text":"There's a couple little things that I need to do to make sure we can get you there.","start":48.175,"end":52.195,"sentiment":"neutral","sentiment_score":0.09897353127598763},{"text":"And then you've had some changes to the old QSuper account.","start":52.815,"end":56.595,"sentiment":"neutral","sentiment_score":-0.0643068618056449},{"text":"I don't know if you guys talk at work about what happens when you turn 55 with those ones.","start":56.895,"end":61.38,"sentiment":"neutral","sentiment_score":-0.0783941732033303},{"text":"Okay.","start":66.98,"end":67.46,"sentiment":"neutral","sentiment_score":0.012531683780252934},{"text":"So Yep.","start":67.46,"end":79.815,"sentiment":"neutral","sentiment_score":0.014932368882000446}],"sentiment":"neutral","sentiment_score":-0.007312642866928203,"num_words":51,"start":48.175,"end":79.815},{"sentences":[{"text":"Yep.","start":86.915,"end":87.415,"sentiment":"neutral","sentiment_score":0.0021516073029488325},{"text":"Yeah.","start":93.409996,"end":93.909996,"sentiment":"neutral","sentiment_score":0.010182138532400131},{"text":"Oh, perfect.","start":97.97,"end":98.53,"sentiment":"neutral","sentiment_score":0.18914200365543365},{"text":"Okay.","start":98.53,"end":98.85,"sentiment":"neutral","sentiment_score":0.07106146216392517},{"text":"So you already did the nomination.","start":98.85,"end":100.31,"sentiment":"neutral","sentiment_score":0.06516187203427155}],"sentiment":"neutral","sentiment_score":0.07751367704688826,"num_words":11,"start":86.915,"end":100.31},{"sentences":[{"text":"You got the so I'm just having a look at the split there.","start":100.814995,"end":104.255,"sentiment":"neutral","sentiment_score":0.013715976419357153},{"text":"So the amount kept deferred retirement benefit, that was $9.5.","start":104.255,"end":108.814995,"sentiment":"neutral","sentiment_score":-0.04515587165951729},{"text":"You would have taken that out, got a little bit of tax, and then the other 14 just straight across into the accumulation account.","start":108.814995,"end":115.950005,"sentiment":"neutral","sentiment_score":-0.0540538199711591},{"text":"Yeah.","start":123.770004,"end":124.17,"sentiment":"neutral","sentiment_score":0.05688364803791046},{"text":"We can sort that out for you.","start":124.17,"end":125.61,"sentiment":"neutral","sentiment_score":0.0782852830099208}],"sentiment":"neutral","sentiment_score":-0.01755749224261804,"num_words":55,"start":100.814995,"end":125.61},{"sentences":[{"text":"I just wanted to double check in terms of they still seem to have a little bit of insurances attached to it, a bit of life and disability cover.","start":125.61,"end":133.925,"sentiment":"neutral","sentiment_score":-0.012793014532533186},{"text":"And I'm just wondering, do you want me to just, like, keep that running for a little while longer, or do you wanna close it?","start":136.465,"end":142.545,"sentiment":"neutral","sentiment_score":-0.030719123408198358},{"text":"It's about 45,000 worth of life insurance and disability insurance.","start":142.545,"end":147.23001,"sentiment":"neutral","sentiment_score":0.02536446489393711},{"text":"We can transfer the bulk of it over.","start":154.33,"end":156.35,"sentiment":"neutral","sentiment_score":-0.01005474803969264},{"text":"We normally just keep a minimum just to make sure insurances and other benefits aren't lost.","start":156.65001,"end":161.445,"sentiment":"neutral","sentiment_score":0.11663998384028673}],"sentiment":"neutral","sentiment_score":0.010232623857022687,"num_words":88,"start":125.61,"end":161.445},{"sentences":[{"text":"Like, I can do a movement of most of it if you'd wanna go that way.","start":161.445,"end":165.365,"sentiment":"neutral","sentiment_score":0.08726799208670855},{"text":"But if we close it, they'll they'll delete the insurances.","start":165.365,"end":168.185,"sentiment":"neutral","sentiment_score":-0.1579215869307518},{"text":"That's all.","start":168.24501,"end":169.065,"sentiment":"neutral","sentiment_score":-0.04334034863859415},{"text":"Yeah.","start":175.5,"end":175.81999,"sentiment":"neutral","sentiment_score":-0.05949094146490097},{"text":"And I don't honestly, I don't think we'd be able to get too much on there.","start":175.81999,"end":180.06,"sentiment":"neutral","sentiment_score":-0.2924403427168727}],"sentiment":"neutral","sentiment_score":-0.11129211373627186,"num_words":45,"start":161.445,"end":180.06},{"sentences":[{"text":"I can do a bit of a quote up because you've got a pretty a pretty office based role.","start":180.06,"end":185.51999,"sentiment":"neutral","sentiment_score":0.058698111262760665},{"text":"Senior payroll officer for UGL.","start":185.73999,"end":188.4,"sentiment":"neutral","sentiment_score":0.01921684518456459},{"text":"Yeah.","start":190.545,"end":190.78499,"sentiment":"neutral","sentiment_score":0.07166624069213867},{"text":"So do you want me to see if I can get maybe just take a little bit of, like, life insurance through the hub in order to get that across?","start":190.78499,"end":198.00499,"sentiment":"neutral","sentiment_score":0.05292995187143485},{"text":"That's exactly one thing because I'm trying to get through somebody else.","start":224.735,"end":229.055,"sentiment":"negative","sentiment_score":-0.4052266329526901}],"sentiment":"neutral","sentiment_score":-0.02972845460719137,"num_words":67,"start":180.06,"end":229.055},{"sentences":[{"text":"I reckon we'd be starting to creep up into the thousand, $2,000 mark.","start":229.055,"end":233.71999,"sentiment":"negative","sentiment_score":-0.5985095821894132},{"text":"And it's just gonna eat away at the super.","start":235.21999,"end":237.37999,"sentiment":"negative","sentiment_score":-0.6304114676184125},{"text":"So I'd be more inclined to keep that QSuper going just for a little while because it's it's like $2 a week for the the life insurance.","start":237.37999,"end":244.42,"sentiment":"positive","sentiment_score":0.4256865006906015},{"text":"It's pretty cheap.","start":244.42,"end":245.235,"sentiment":"positive","sentiment_score":0.6263628800710043},{"text":"Yeah.","start":254.035,"end":254.355,"sentiment":"neutral","sentiment_score":0.12836693227291107}],"sentiment":"neutral","sentiment_score":0.0008804398887562302,"num_words":53,"start":229.055,"end":254.355},{"sentences":[{"text":"And then when you hit 60, we can close it all and put it into the pension account when you no longer need it.","start":254.355,"end":260.18,"sentiment":"neutral","sentiment_score":0.11527919551978509},{"text":"Cool.","start":263.68,"end":264.18,"sentiment":"positive","sentiment_score":0.4402150511741638},{"text":"And you've got your contributions going in there, so I can I can move a bunch across into the good portfolio because I know QSuper's had a bit of a wild ride in terms of returns?","start":266.08,"end":276.555,"sentiment":"neutral","sentiment_score":0.269207830230395},{"text":"Don't know if you guys talk at work much, but the 4.9% for five years has been extremely low.","start":276.775,"end":283.015,"sentiment":"neutral","sentiment_score":-0.1617291181495315},{"text":"They used to be the best or top three.","start":283.015,"end":285.355,"sentiment":"neutral","sentiment_score":-0.15257974134551155}],"sentiment":"neutral","sentiment_score":0.09496996308980363,"num_words":89,"start":254.355,"end":285.355},{"sentences":[{"text":"Yeah.","start":291.99,"end":292.38998,"sentiment":"neutral","sentiment_score":0.06203817576169968},{"text":"So what I'm gonna do is I'll see how much we have to keep in there to keep it open because the contributions keeps it active.","start":292.38998,"end":299.70502,"sentiment":"neutral","sentiment_score":0.18905249467262855},{"text":"And then usually the minimum 6,000, maybe maximum of 10 that we need to keep.","start":299.70502,"end":305.08502,"sentiment":"neutral","sentiment_score":0.12218082795540491},{"text":"Anything else I can kind of move across and then wait till 60 for the rest.","start":305.225,"end":309.08502,"sentiment":"neutral","sentiment_score":0.08271250780671835},{"text":"I did have you actually, they may actually be going into the other account.","start":313.48,"end":318.2,"sentiment":"neutral","sentiment_score":-0.0034989028104713987}],"sentiment":"neutral","sentiment_score":0.11228515197419459,"num_words":72,"start":291.99,"end":318.2},{"sentences":[{"text":"Sorry.","start":318.2,"end":318.7,"sentiment":"neutral","sentiment_score":-0.06284037232398987},{"text":"No.","start":324.94498,"end":325.185,"sentiment":"neutral","sentiment_score":-0.08028719574213028},{"text":"You are right.","start":325.185,"end":325.985,"sentiment":"neutral","sentiment_score":-0.04095996047059695},{"text":"Sorry.","start":325.985,"end":326.38498,"sentiment":"neutral","sentiment_score":-0.10204282402992249},{"text":"Your salary sacrifice and everything is going into hub.","start":326.38498,"end":329.60498,"sentiment":"neutral","sentiment_score":-0.08721358163489236}],"sentiment":"neutral","sentiment_score":-0.07686483388145765,"num_words":15,"start":318.2,"end":329.60498},{"sentences":[{"text":"It's just the the remaining balance in q super at the moment.","start":329.82498,"end":335.34497,"sentiment":"neutral","sentiment_score":0.0022287734027486295},{"text":"You are right.","start":335.34497,"end":335.985,"sentiment":"neutral","sentiment_score":0.013068929935495058},{"text":"Sorry about that.","start":335.985,"end":336.72,"sentiment":"neutral","sentiment_score":-0.0707953783373038},{"text":"So that's all going in there at the moment.","start":338.88,"end":341.06,"sentiment":"neutral","sentiment_score":0.008758411535786258},{"text":"So I'll double check the old opt in to see if we need to do anything.","start":341.92,"end":345.2,"sentiment":"neutral","sentiment_score":0.005815445329062641}],"sentiment":"neutral","sentiment_score":0.0005915991794101374,"num_words":43,"start":329.82498,"end":345.2},{"sentences":[{"text":"Have you opted into that cover before online or over any forms to make sure it doesn't disappear?","start":345.2,"end":360.10498,"sentiment":"neutral","sentiment_score":-0.014384024569557773},{"text":"Yeah.","start":361.04498,"end":361.44498,"sentiment":"neutral","sentiment_score":-0.043627604842185974},{"text":"There's usually like something called an opt in button where you you hit a button and it says, oh, you're opting in to make sure we don't close your insurances prematurely.","start":361.44498,"end":369.89,"sentiment":"neutral","sentiment_score":-0.03581371446771006},{"text":"It's just basically just like a notice to them, really.","start":370.59,"end":373.09,"sentiment":"neutral","sentiment_score":-0.04366560447961092},{"text":"Cool.","start":379.915,"end":380.415,"sentiment":"negative","sentiment_score":-0.4846992790699005}],"sentiment":"neutral","sentiment_score":-0.03826427081080734,"num_words":61,"start":345.2,"end":380.415},{"sentences":[{"text":"What I might do oh, fair enough.","start":380.475,"end":384.415,"sentiment":"neutral","sentiment_score":-0.03852419342313494},{"text":"I'm gonna dive in.","start":384.875,"end":385.83502,"sentiment":"neutral","sentiment_score":0.22212457656860352},{"text":"I'll get in touch with them and see what the easiest way is to do that.","start":385.83502,"end":389.27502,"sentiment":"neutral","sentiment_score":0.27313614916056395},{"text":"And then what I'm thinking is we just opt into that, keep the minimum that we need to, and that way the insurances are there for the next five years, and then everything can just roll into the hub, and that's all good.","start":389.27502,"end":399.74,"sentiment":"positive","sentiment_score":0.40030175620733305},{"text":"Cool.","start":402.36,"end":402.86,"sentiment":"positive","sentiment_score":0.704034686088562}],"sentiment":"neutral","sentiment_score":0.3226199653786673,"num_words":71,"start":380.475,"end":402.86},{"sentences":[{"text":"And then what I mentioned about the the retirement goal sort of thing is you're getting close to 300,000 in the hub.","start":403.0,"end":410.025,"sentiment":"neutral","sentiment_score":0.3138855208050121},{"text":"You've got that bit of money in the queue server as well.","start":410.485,"end":412.725,"sentiment":"neutral","sentiment_score":0.25483222926656407},{"text":"So to get it from the three to the five, this is honestly the crunch period where you get your last good returns, but then you also don't wanna risk it all because you don't wanna be sitting there at 59, stock market crashes for the global financial crisis again or COVID, and then you lose 200,000.","start":412.725,"end":431.73,"sentiment":"neutral","sentiment_score":-0.12115759480940669},{"text":"So I need to be very, very careful in the risk level just to make sure I can get you up to the 500.","start":433.865,"end":439.885,"sentiment":"neutral","sentiment_score":-0.12843631766736507},{"text":"And then that way, when you hit sixty sixty one, you can pretty much just hang up the boots.","start":440.505,"end":445.405,"sentiment":"neutral","sentiment_score":-0.06154243804906544}],"sentiment":"neutral","sentiment_score":-0.00891263165803098,"num_words":134,"start":403.0,"end":445.405},{"sentences":[{"text":"So let me have a quick look at the investment here.","start":448.745,"end":450.89,"sentiment":"neutral","sentiment_score":0.10277526012875816},{"text":"So you're in a growth portfolio.","start":450.89,"end":452.43002,"sentiment":"neutral","sentiment_score":0.059718262404203415},{"text":"That's probably the part that's a little bit of a concern because normally you wanna have seven or eight years left to be at a growth because it's kinda like a four out of five on the risk scale.","start":453.05002,"end":464.945,"sentiment":"neutral","sentiment_score":-0.06761610727661695},{"text":"And I'm thinking maybe we drop it down a peg to, like, a three or so or a three and a half just to still keep it growing, but just make sure we're not risking too much in case something explodes in the next couple of years.","start":465.005,"end":481.56,"sentiment":"neutral","sentiment_score":0.03893542067801699},{"text":"K.","start":481.56,"end":481.96,"sentiment":"neutral","sentiment_score":0.0757560059428215}],"sentiment":"neutral","sentiment_score":0.007283942594837684,"num_words":104,"start":448.745,"end":481.96},{"sentences":[{"text":"So I'm gonna do some updated projections.","start":481.96,"end":484.14,"sentiment":"neutral","sentiment_score":0.12495355946677071},{"text":"I'll do the opt in for the q super.","start":485.16,"end":487.1,"sentiment":"neutral","sentiment_score":0.16157083047760856},{"text":"I'll see what we can move between the accounts, and then I'll see if I can just reduce the risk level just down a peg and still keep you on track for that goal.","start":487.72,"end":496.825,"sentiment":"neutral","sentiment_score":0.22029077458907576},{"text":"At the same time, I'll do an engine tune up.","start":500.325,"end":502.165,"sentiment":"neutral","sentiment_score":0.20000934302806855},{"text":"There's a couple of options I wanna switch out in there, so I'll get the portfolio updated for you.","start":502.165,"end":507.53,"sentiment":"neutral","sentiment_score":0.21668862825945803}],"sentiment":"neutral","sentiment_score":0.2017199505544916,"num_words":79,"start":481.96,"end":507.53},{"sentences":[{"text":"I think just from what I can see you're invested in, there's one or two there that I think I can get the fees a little bit lower as well.","start":507.91,"end":516.07,"sentiment":"neutral","sentiment_score":0.28025802671909333},{"text":"And I think if we go for some lower fee options, that will help boost it up as well.","start":516.07,"end":520.955,"sentiment":"neutral","sentiment_score":0.2897548314772154},{"text":"Does that sound okay?","start":524.135,"end":525.35504,"sentiment":"neutral","sentiment_score":0.22214818373322487},{"text":"Cool.","start":528.135,"end":528.635,"sentiment":"positive","sentiment_score":0.5683990120887756},{"text":"So I'll put that research together over the next couple of weeks, update some projections for you, and then I'm gonna get Michelle to book us in, and we'll just run through that, make sure you're happy before I touch anything, and answer any questions you've got.","start":529.335,"end":541.95996,"sentiment":"neutral","sentiment_score":0.3070354737499927}],"sentiment":"neutral","sentiment_score":0.2950568476525864,"num_words":101,"start":507.91,"end":541.95996},{"sentences":[{"text":"Now last couple of things I wanted to touch on with you before I let you go is just in terms of any other main, like, cash flow priorities for you, because you're obviously doing the salary sacrifice.","start":543.94,"end":555.795,"sentiment":"neutral","sentiment_score":0.06645662553216282},{"text":"There was mentions of holidays and things like that.","start":556.415,"end":559.53503,"sentiment":"neutral","sentiment_score":0.02134958654642105},{"text":"What's your your focus for the next couple of years with your savings?","start":559.53503,"end":563.235,"sentiment":"neutral","sentiment_score":0.10145725596409577},{"text":"So is there, like, a set amount that you're putting aside, and do you have anything that you need?","start":568.27,"end":573.07,"sentiment":"neutral","sentiment_score":0.08460412743060212},{"text":"You know, you're obviously finishing off the mortgage, Any debts and things like that, you're just trying to prioritize?","start":573.07,"end":578.545,"sentiment":"neutral","sentiment_score":0.03141274665923495}],"sentiment":"neutral","sentiment_score":0.06368125494265435,"num_words":98,"start":543.94,"end":578.545},{"sentences":[{"text":"Yeah.","start":592.06,"end":592.46,"sentiment":"neutral","sentiment_score":0.07244309037923813},{"text":"Because I've got you there with the there's a caravan, a boat, a few cars, and the home.","start":592.46,"end":596.78,"sentiment":"neutral","sentiment_score":0.054774593147966594},{"text":"And I'm sort of thinking, are you still okay to do that salary sacrifice and then focus the rest on the mortgage and the car loans?","start":596.78,"end":604.635,"sentiment":"neutral","sentiment_score":0.019447703872664042},{"text":"Cool.","start":606.85504,"end":607.255,"sentiment":"positive","sentiment_score":0.3350486755371094},{"text":"Alright.","start":607.255,"end":607.575,"sentiment":"neutral","sentiment_score":0.1750623881816864}],"sentiment":"neutral","sentiment_score":0.04413057726490846,"num_words":47,"start":592.06,"end":607.575},{"sentences":[{"text":"So I just wanted to update the cash flow projections.","start":607.575,"end":610.79504,"sentiment":"neutral","sentiment_score":0.10921300761401653},{"text":"When I had a look at your contributions, it seemed like maybe your income had bumped up a little bit.","start":612.135,"end":618.06,"sentiment":"neutral","sentiment_score":-0.04201161302626133},{"text":"I'm not sure if you've done your tax return for the year, but are you sitting in around a 105,000 now, or is it still back towards the 90 mark?","start":618.52,"end":625.34,"sentiment":"neutral","sentiment_score":-0.0739637682835261},{"text":"Yep.","start":629.8,"end":630.3,"sentiment":"neutral","sentiment_score":0.20303788781166077},{"text":"Perfect.","start":630.48505,"end":630.80505,"sentiment":"positive","sentiment_score":0.5585104823112488}],"sentiment":"neutral","sentiment_score":-0.019443013915611852,"num_words":62,"start":607.575,"end":630.80505},{"sentences":[{"text":"That's what I worked back on the contribution, so that makes sense to me.","start":630.80505,"end":634.98505,"sentiment":"positive","sentiment_score":0.363773558820997},{"text":"We've got you on some partner fee discounts with us.","start":637.92505,"end":642.025,"sentiment":"neutral","sentiment_score":0.24211671203374863},{"text":"We've Shane 1.1% with the partner fee.","start":642.24506,"end":646.17,"sentiment":"neutral","sentiment_score":0.20663646076406753},{"text":"Just to let you know that we do have, at Oakview, some tiered fees coming along next year.","start":646.81,"end":652.57,"sentiment":"neutral","sentiment_score":0.20127123925420973},{"text":"So for everybody above 200,000, there's some discounts.","start":652.57,"end":656.11,"sentiment":"neutral","sentiment_score":0.16773070208728313}],"sentiment":"neutral","sentiment_score":0.24430140513077117,"num_words":57,"start":630.80505,"end":656.11},{"sentences":[{"text":"And above 500,000, we do provide some further discounts as well.","start":656.49,"end":662.21497,"sentiment":"neutral","sentiment_score":0.13562367754903706},{"text":"But we have had to increase the the lower fee next year just because we haven't touched it for five years.","start":663.475,"end":670.595,"sentiment":"neutral","sentiment_score":-0.04621762143714087},{"text":"And, obviously, the electricity has gone up, and the taxes have gone up and everything's gone up.","start":670.595,"end":675.56,"sentiment":"neutral","sentiment_score":-0.1602071234408547},{"text":"So when we come to the review next year, I'll make sure I've got an updated calculation for you just to factor in the discounts and everything and make sure you know what we'd be charging then as well.","start":675.56,"end":686.455,"sentiment":"neutral","sentiment_score":0.14305009138889802},{"text":"Make sure you're still happy with it.","start":686.455,"end":688.075,"sentiment":"neutral","sentiment_score":0.2858740793807166}],"sentiment":"neutral","sentiment_score":0.05660885709681009,"num_words":95,"start":656.49,"end":688.075},{"sentences":[{"text":"Cool.","start":690.77496,"end":691.27496,"sentiment":"neutral","sentiment_score":0.19784164428710935},{"text":"Last couple of details.","start":691.815,"end":692.77496,"sentiment":"neutral","sentiment_score":0.07201463729143143},{"text":"I've got the income.","start":692.77496,"end":693.755,"sentiment":"neutral","sentiment_score":0.0399404801428318},{"text":"Just in terms of the mortgage, it was at $2.20 at the time.","start":694.21497,"end":697.755,"sentiment":"neutral","sentiment_score":0.029020404586425193},{"text":"Do you know what it's sitting out at the moment?","start":697.895,"end":699.69,"sentiment":"neutral","sentiment_score":0.0005919167306274176}],"sentiment":"neutral","sentiment_score":0.032151454404811375,"num_words":32,"start":690.77496,"end":699.69},{"sentences":[{"text":"Still about the same.","start":703.13,"end":704.01,"sentiment":"neutral","sentiment_score":0.0119747593998909},{"text":"And and what about the the valuation?","start":704.01,"end":705.87,"sentiment":"neutral","sentiment_score":-0.01913966132061822},{"text":"I'm not sure how often you would check the value of it these days.","start":706.09,"end":709.31,"sentiment":"neutral","sentiment_score":-0.06423160992562771},{"text":"Okay.","start":727.485,"end":727.885,"sentiment":"positive","sentiment_score":0.4795307219028473},{"text":"Amazing.","start":727.885,"end":728.385,"sentiment":"positive","sentiment_score":0.6370275020599365}],"sentiment":"neutral","sentiment_score":0.004860633087378961,"num_words":27,"start":703.13,"end":728.385},{"sentences":[{"text":"And potentially over the next couple of years might sell that often.","start":728.76,"end":732.7,"sentiment":"neutral","sentiment_score":0.2570093957086404},{"text":"So what just kind of, like, jump on a block with with your son and and build, like, what, a couple of dwellings on there or sharing in in the same house?","start":733.80005,"end":742.76,"sentiment":"neutral","sentiment_score":0.10957230837084353},{"text":"Or oh, yeah.","start":742.76,"end":749.825,"sentiment":"neutral","sentiment_score":0.05078570917248726},{"text":"Yeah.","start":770.45996,"end":770.835,"sentiment":"neutral","sentiment_score":0.1715138554573059},{"text":"Yeah.","start":778.195,"end":778.695,"sentiment":"neutral","sentiment_score":0.17616233229637146}],"sentiment":"neutral","sentiment_score":0.14470326391105748,"num_words":49,"start":728.76,"end":778.695},{"sentences":[{"text":"That's amazing because that's becoming more and more common these days.","start":793.88995,"end":797.385,"sentiment":"positive","sentiment_score":0.643453906882893},{"text":"I'm seeing the sort of multi generations linking in together, and we're starting to do a lot more estate planning advice where we're talking to people, their children, their grandchildren about those arrangements, how to put them in on paper, and just trying to make sure everyone's looked after.","start":797.945,"end":817.99,"sentiment":"positive","sentiment_score":0.38116389817121077},{"text":"Sometimes we jump into aged care conversations as well.","start":818.61,"end":821.64996,"sentiment":"neutral","sentiment_score":0.1701204495297538},{"text":"So if anything happens next year, please feel free to give us a buzz, and I'd be more than happy to kind of walk through some updated plans, any kind of ideas, and a few pros and cons as well.","start":821.64996,"end":833.105,"sentiment":"neutral","sentiment_score":0.2689779918640852},{"text":"But it does sound like a great idea.","start":833.105,"end":834.885,"sentiment":"positive","sentiment_score":0.5045112855732441}],"sentiment":"positive","sentiment_score":0.3596693845386179,"num_words":117,"start":793.88995,"end":834.885},{"sentences":[{"text":"Yeah.","start":841.36,"end":841.68,"sentiment":"neutral","sentiment_score":0.035606950521469116},{"text":"Yep.","start":841.68,"end":842.16,"sentiment":"neutral","sentiment_score":0.0337655171751976},{"text":"Just gotta sort of go through the motions and see what happens or not.","start":842.16,"end":845.62,"sentiment":"neutral","sentiment_score":0.04136567868824516},{"text":"Yeah.","start":850.4,"end":850.755,"sentiment":"neutral","sentiment_score":-0.004359568003565073},{"text":"Mhmm.","start":856.755,"end":857.255,"sentiment":"positive","sentiment_score":0.39875757694244385}],"sentiment":"neutral","sentiment_score":0.05793833212616543,"num_words":18,"start":841.36,"end":857.255},{"sentences":[{"text":"Yeah.","start":869.33,"end":869.73004,"sentiment":"positive","sentiment_score":0.5174852609634399},{"text":"It's actually one of the best strategies anyone can ever do.","start":869.73004,"end":873.27,"sentiment":"positive","sentiment_score":0.6828050830147483},{"text":"It's something called a a transition to retirement, a TTR.","start":873.33,"end":876.63,"sentiment":"positive","sentiment_score":0.5218418926000595},{"text":"Basically, what we can do is if you're still working, we can either do two things.","start":877.33496,"end":881.995,"sentiment":"positive","sentiment_score":0.38260025903582573},{"text":"Do a recontribution where you pull some money out of your super and put it back in again for, like, a tax deduction and boost it up that way with the tax differences.","start":882.535,"end":891.035,"sentiment":"positive","sentiment_score":0.4387745929486824}],"sentiment":"positive","sentiment_score":0.47673134946487317,"num_words":71,"start":869.33,"end":891.035},{"sentences":[{"text":"Or if you wanna go part time, you can pull out just a small amount to top you up from your super, and we can set up a bit of a pension account for you.","start":891.83997,"end":900.01996,"sentiment":"positive","sentiment_score":0.37837021691458567},{"text":"Yeah.","start":927.71,"end":927.95,"sentiment":"neutral","sentiment_score":0.2231155037879944},{"text":"So when you hit 60, you can access up to 10%, and that can be in any way you wish.","start":927.95,"end":933.955,"sentiment":"neutral","sentiment_score":0.32709247916936873},{"text":"It can be monthly payments.","start":933.955,"end":935.395,"sentiment":"neutral","sentiment_score":0.23449644446372986},{"text":"It can be a one off lump sum.","start":935.395,"end":937.17505,"sentiment":"neutral","sentiment_score":0.2195434272289276}],"sentiment":"neutral","sentiment_score":0.33241670028023096,"num_words":69,"start":891.83997,"end":937.17505},{"sentences":[{"text":"If you really wanted to, you could hit 60 and, you know, June comes, you pull out 10%, and then July of the new financial year, you pull out another 10%.","start":938.35504,"end":948.4,"sentiment":"neutral","sentiment_score":0.21458024315295682},{"text":"So there's different ways of doing it, and it really depends on what happens with health and work over the next five years, what happens with the property, the mortgage, and that idea you were telling me.","start":948.54004,"end":959.70496,"sentiment":"neutral","sentiment_score":0.13256012003969503},{"text":"And then once you do hit 59, we do pre retirement planning with you guys, and we'll work out where's best to move all the money around when you hit 60 and what type of accounts we need to set up.","start":959.70496,"end":972.58997,"sentiment":"neutral","sentiment_score":0.24855330313851193},{"text":"Is that okay?","start":977.85,"end":978.67,"sentiment":"neutral","sentiment_score":-0.005783640469113986},{"text":"Yep.","start":982.49,"end":982.785,"sentiment":"neutral","sentiment_score":-0.02104088105261326}],"sentiment":"neutral","sentiment_score":0.19211509385335762,"num_words":113,"start":938.35504,"end":982.785},{"sentences":[{"text":"So once you get there, it still says separate, and then it just turns into so when you know how they say you're an you're an accumulation account with QSuper?","start":991.58496,"end":1000.12006,"sentiment":"neutral","sentiment_score":0.023822388363381228},{"text":"That's when all your money is locked away and preserved.","start":1002.42004,"end":1005.08,"sentiment":"neutral","sentiment_score":0.19531390964984893},{"text":"And then when you hit a condition of release, like hitting 60, fully retiring, and so on, you can then actually move the money from an accumulation account into one of two pension accounts.","start":1005.38,"end":1017.945,"sentiment":"neutral","sentiment_score":0.1570962693761377},{"text":"One is the transition one if you're still working, which is up to 10% can come out, or there's a full account based pension where you're fully retired and you've got access to the whole lot.","start":1018.80505,"end":1028.07,"sentiment":"neutral","sentiment_score":0.25423968997266555},{"text":"Pre retirement, 10%.","start":1038.115,"end":1039.8949,"sentiment":"neutral","sentiment_score":0.047925698260466255}],"sentiment":"neutral","sentiment_score":0.15314592778748642,"num_words":113,"start":991.58496,"end":1039.8949},{"sentences":[{"text":"If you're fully retired, you hit 60, you can pull out the whole lot.","start":1040.835,"end":1043.815,"sentiment":"neutral","sentiment_score":0.13150863934840476},{"text":"10% is the max we can do as a lump sum, as a one off, unless there's you know, if you hit TPD where you're disabled, then you'll get the insurance and the super then.","start":1044.195,"end":1054.3,"sentiment":"neutral","sentiment_score":0.07167784664779901},{"text":"Yeah.","start":1057.9601,"end":1058.28,"sentiment":"neutral","sentiment_score":0.13328182697296145},{"text":"So a few ideas.","start":1058.28,"end":1059.56,"sentiment":"neutral","sentiment_score":-0.024291700683534145},{"text":"Don't need to plan it all now, but yeah.","start":1059.56,"end":1062.76,"sentiment":"neutral","sentiment_score":0.007607075903150771}],"sentiment":"neutral","sentiment_score":0.07070514747488593,"num_words":63,"start":1040.835,"end":1062.76},{"sentences":[{"text":"And that's what we do.","start":1062.76,"end":1064.04,"sentiment":"neutral","sentiment_score":0.25510366559028624},{"text":"So at the moment, the main thing is I wanna just kind of fix up the q super and the hub portfolio a little bit, reduce the risk down, sort of a few things out there.","start":1064.04,"end":1073.645,"sentiment":"positive","sentiment_score":0.34673752387364704},{"text":"And then as you get closer and closer and your life changes, just let me know, and I'll adjust things and go through those options with you each year.","start":1073.7051,"end":1081.03,"sentiment":"positive","sentiment_score":0.3551668221580571},{"text":"Yeah.","start":1091.89,"end":1092.29,"sentiment":"neutral","sentiment_score":0.2300395369529724},{"text":"Great question.","start":1092.29,"end":1092.93,"sentiment":"positive","sentiment_score":0.5165154933929443}],"sentiment":"positive","sentiment_score":0.34686270621541426,"num_words":73,"start":1062.76,"end":1092.93},{"sentences":[{"text":"So have you ever looked up the government retirement standard before?","start":1092.93,"end":1097.4249,"sentiment":"neutral","sentiment_score":0.04659098522229628},{"text":"So it's just a bit of an estimate from ASFA, ASFA, and they basically say that, you know, for a comfortable lifestyle, you you wanna have as a couple around $78,000 a year worth of income coming out as a bit of a benchmark.","start":1100.9249,"end":1116.65,"sentiment":"neutral","sentiment_score":0.09751760417764838},{"text":"Now to produce 78,000, you basically need one of two figures.","start":1118.63,"end":1123.725,"sentiment":"neutral","sentiment_score":0.05171229216185483},{"text":"If you had $780,000 between you, you could pull out 10% of that balance, and it would still last around about twenty, twenty five years until you hit your nineties.","start":1124.6849,"end":1137.63,"sentiment":"neutral","sentiment_score":0.06226121721168359},{"text":"So you need a minimum of $7.80 combined to hit that amount.","start":1138.59,"end":1144.13,"sentiment":"neutral","sentiment_score":0.08119043552627166}],"sentiment":"neutral","sentiment_score":0.07605770720099961,"num_words":108,"start":1092.93,"end":1144.13},{"sentences":[{"text":"Now if you doubled it just for for argument's sake and you had 1,500,000 just just for argument's sake, you could pull out that $78,000 a year, and it would never go down.","start":1144.51,"end":1157.565,"sentiment":"neutral","sentiment_score":0.25953388891436835},{"text":"You would kind of earn 5%, pull out 5%, and you would always have $1,500,000 sitting there.","start":1157.7849,"end":1163.705,"sentiment":"neutral","sentiment_score":0.31400572552400474},{"text":"So the range is from $7.80 to 1.5, anywhere in between, and you're on track.","start":1163.705,"end":1170.1499,"sentiment":"neutral","sentiment_score":0.3195638875166575},{"text":"I can definitely get yours to the let me have a quick look.","start":1177.6499,"end":1182.305,"sentiment":"neutral","sentiment_score":0.30856945422979504},{"text":"I can definitely get yours towards that 500 mark, like I was saying, by 60.","start":1182.305,"end":1186.645,"sentiment":"positive","sentiment_score":0.3772915502389272}],"sentiment":"neutral","sentiment_score":0.30502096924089617,"num_words":93,"start":1144.51,"end":1186.645},{"sentences":[{"text":"And then if you worked an extra couple years, that would help as well.","start":1186.7051,"end":1190.005,"sentiment":"neutral","sentiment_score":0.1897371964795249},{"text":"And if Shane's on about 400,000, then, yeah, trying to get that the last 100 or 2 on a pretty good track.","start":1191.905,"end":1198.58,"sentiment":"neutral","sentiment_score":0.26026948676867917},{"text":"The only main issue you've got is still having the mortgage there.","start":1198.58,"end":1201.64,"sentiment":"neutral","sentiment_score":-0.28689219274868566},{"text":"But it's not sorry.","start":1208.5,"end":1214.735,"sentiment":"neutral","sentiment_score":-0.12004224956035614},{"text":"Debbie, go for it.","start":1214.735,"end":1215.875,"sentiment":"neutral","sentiment_score":-0.008189654909074306}],"sentiment":"neutral","sentiment_score":0.07904670587075609,"num_words":56,"start":1186.7051,"end":1215.875},{"sentences":[{"text":"Gotcha.","start":1231.55,"end":1232.05,"sentiment":"neutral","sentiment_score":-0.07685894519090652},{"text":"Yeah.","start":1249.225,"end":1249.725,"sentiment":"neutral","sentiment_score":0.04709825664758682},{"text":"So that's a bit of a worst case scenario.","start":1249.865,"end":1252.205,"sentiment":"neutral","sentiment_score":-0.03866839988364114},{"text":"Well yeah.","start":1256.22,"end":1263.18,"sentiment":"neutral","sentiment_score":-0.01691596955060959},{"text":"But worst case scenario, like, unless you're wanting to be quite extravagant with the retirement lifestyle, let's say you hit 63.","start":1263.18,"end":1270.955,"sentiment":"neutral","sentiment_score":0.03729639495057719}],"sentiment":"neutral","sentiment_score":0.010929884334259173,"num_words":34,"start":1231.55,"end":1270.955},{"sentences":[{"text":"You could pull out the last $100,000, pay off the mortgage, still have enough for a comfortable amount for a lot of years.","start":1271.255,"end":1279.275,"sentiment":"neutral","sentiment_score":0.14845737134632858},{"text":"And even as the surplus slowly goes down, the age pension will top you up towards the end as well, and that'll keep you going too.","start":1279.575,"end":1287.8301,"sentiment":"neutral","sentiment_score":0.1613530914943952},{"text":"So it's not like you have to go to age 67.","start":1288.05,"end":1291.1901,"sentiment":"neutral","sentiment_score":0.006254024803638458},{"text":"I definitely think you guys will retire somewhere between 60 and 67.","start":1291.3301,"end":1296.465,"sentiment":"neutral","sentiment_score":0.26494622354706127},{"text":"But when we get there, we can move money around where we need to.","start":1296.705,"end":1300.625,"sentiment":"neutral","sentiment_score":0.2746228554419109}],"sentiment":"neutral","sentiment_score":0.1709601029233877,"num_words":86,"start":1271.255,"end":1300.625},{"sentences":[{"text":"Like, you don't have to go the full twelve years.","start":1300.625,"end":1303.0449,"sentiment":"neutral","sentiment_score":0.16375626027584075},{"text":"We can stop a few years early, pay off a little bit with the soup, and you should still have enough.","start":1303.1849,"end":1308.245,"sentiment":"neutral","sentiment_score":0.20232397175970532},{"text":"Okay.","start":1312.15,"end":1312.65,"sentiment":"positive","sentiment_score":0.33902472257614136},{"text":"Cool.","start":1314.23,"end":1314.73,"sentiment":"neutral","sentiment_score":0.2627333998680115},{"text":"So these reviews will become a bit more important every year as those options come.","start":1315.03,"end":1319.43,"sentiment":"neutral","sentiment_score":0.17062974174817402}],"sentiment":"neutral","sentiment_score":0.18849104704956213,"num_words":48,"start":1300.625,"end":1319.43},{"sentences":[{"text":"Our main job at the moment is just still try and get as much growth as possible without taking on too much risk.","start":1319.43,"end":1325.175,"sentiment":"neutral","sentiment_score":0.1517555857806102},{"text":"And then when it gets closer, we start moving things, changing accounts, and then we can finish off that retirement planning with you guys.","start":1328.2151,"end":1335.5951,"sentiment":"neutral","sentiment_score":0.20819587633013725},{"text":"Cool.","start":1338.8551,"end":1339.32,"sentiment":"neutral","sentiment_score":0.06798096001148224},{"text":"Let me have a quick look.","start":1345.1599,"end":1347.1799,"sentiment":"neutral","sentiment_score":-0.07436337197820346},{"text":"Two and a half years.","start":1351.24,"end":1352.36,"sentiment":"neutral","sentiment_score":-0.04282496571540832}],"sentiment":"neutral","sentiment_score":0.13380941363461948,"num_words":59,"start":1319.43,"end":1352.36},{"sentences":[{"text":"Alrighty.","start":1352.36,"end":1352.86,"sentiment":"neutral","sentiment_score":-0.02063436061143875},{"text":"Got a bit of a no.","start":1353.6051,"end":1363.765,"sentiment":"neutral","sentiment_score":-0.08597436205794413},{"text":"That's okay.","start":1363.765,"end":1364.505,"sentiment":"neutral","sentiment_score":-0.06681943126022816},{"text":"Yeah.","start":1379.99,"end":1380.49,"sentiment":"neutral","sentiment_score":0.04130209609866142},{"text":"So I think he's actually coming up now.","start":1381.115,"end":1383.435,"sentiment":"neutral","sentiment_score":0.03605238860473037}],"sentiment":"neutral","sentiment_score":-0.018911010585725307,"num_words":18,"start":1352.36,"end":1383.435},{"sentences":[{"text":"I can see that he had a bit of a date there on our system for the September 26.","start":1383.435,"end":1390.015,"sentiment":"neutral","sentiment_score":0.0567721595105372},{"text":"So what I'm gonna do is I'll get the team to reach out soon to get him booked in.","start":1390.4751,"end":1394.97,"sentiment":"neutral","sentiment_score":0.2453771688436207},{"text":"And then look.","start":1396.33,"end":1398.09,"sentiment":"neutral","sentiment_score":0.16963994999726614},{"text":"Staggered retirement's fine too.","start":1398.09,"end":1399.85,"sentiment":"neutral","sentiment_score":0.24155880138278008},{"text":"If there's a couple of years difference where he goes, look, I'll stop at 60 and you go through to 63 for those five years difference, that shouldn't cause too much trouble.","start":1399.85,"end":1410.685,"sentiment":"neutral","sentiment_score":0.08296038280241191}],"sentiment":"neutral","sentiment_score":0.12819122784323506,"num_words":77,"start":1383.435,"end":1410.685},{"sentences":[{"text":"We can work with that.","start":1410.685,"end":1411.905,"sentiment":"neutral","sentiment_score":0.22615242898464202},{"text":"But definitely worth having that conversation with him, make sure everything's on track well, And then possibly next year or the year after, we should probably have both of you guys on the same call just to have a bit of a joint chat, make sure we're we're pretty serious about what when we change the major changes.","start":1415.485,"end":1432.605,"sentiment":"neutral","sentiment_score":0.2903922575943429},{"text":"That sound okay?","start":1436.365,"end":1437.345,"sentiment":"neutral","sentiment_score":0.14263038337230682},{"text":"Easy done.","start":1443.725,"end":1444.285,"sentiment":"positive","sentiment_score":0.3337424546480179},{"text":"Let us know, and I'll take it off the system there.","start":1444.285,"end":1446.48,"sentiment":"neutral","sentiment_score":-0.1159498356282711}],"sentiment":"neutral","sentiment_score":0.22523342978350724,"num_words":79,"start":1410.685,"end":1446.48},{"sentences":[{"text":"No.","start":1453.9199,"end":1454.16,"sentiment":"neutral","sentiment_score":-0.0724107027053833},{"text":"You've done enough for us.","start":1454.16,"end":1455.28,"sentiment":"neutral","sentiment_score":-0.04835044667124748},{"text":"Thank you for that, Debbie.","start":1455.28,"end":1456.5,"sentiment":"positive","sentiment_score":0.5303469181060791},{"text":"What I would like to just quickly touch on, Shane, we've got listed as the beneficiary for your super for the estate planning.","start":1457.76,"end":1465.155,"sentiment":"neutral","sentiment_score":0.21375113531299259},{"text":"But I had a note here, and please forgive me if this is out of date just because system removed everything across.","start":1467.4551,"end":1474.32,"sentiment":"neutral","sentiment_score":-0.1563033222813498}],"sentiment":"neutral","sentiment_score":0.0681281192228198,"num_words":56,"start":1453.9199,"end":1474.32},{"sentences":[{"text":"Says that you had a company online will that you may have put in place in 2021 that you were possibly needing to update just in terms of wills and powers of attorney.","start":1474.5599,"end":1486.335,"sentiment":"neutral","sentiment_score":-0.043985050058726105},{"text":"2021.","start":1497.695,"end":1498.735,"sentiment":"neutral","sentiment_score":-0.0023624065797775984},{"text":"Yeah.","start":1498.735,"end":1499.04,"sentiment":"neutral","sentiment_score":0.011530034244060516},{"text":"Hopefully, it's just registered with the government courthouses there, and it's it's findable.","start":1505.92,"end":1510.74,"sentiment":"neutral","sentiment_score":0.11697713916118328},{"text":"I was just gonna ask if you remember doing anything in terms of putting in place a power of attorney.","start":1511.76,"end":1517.165,"sentiment":"neutral","sentiment_score":-0.022827778290957213}],"sentiment":"neutral","sentiment_score":-0.00556164383819765,"num_words":68,"start":1474.5599,"end":1517.165},{"sentences":[{"text":"So, you know, if you're sick, someone can talk to the doctors, access the bank accounts, and whatnot.","start":1517.945,"end":1523.005,"sentiment":"neutral","sentiment_score":-0.22735678984059227},{"text":"Yeah.","start":1528.905,"end":1529.225,"sentiment":"neutral","sentiment_score":-0.0022179707884788513},{"text":"If it helps so I know a lot of people go online or through lawyers to get wills done, but you can get a power of attorney kit from Australia Post that a government approved, like, $25.","start":1529.225,"end":1540.03,"sentiment":"neutral","sentiment_score":0.15155641533233025},{"text":"So if that helps, there's a few options around.","start":1540.03,"end":1542.61,"sentiment":"neutral","sentiment_score":0.22269302854935327},{"text":"Yeah.","start":1559.17,"end":1559.67,"sentiment":"neutral","sentiment_score":-0.008643386885523796}],"sentiment":"neutral","sentiment_score":0.05315971287023841,"num_words":66,"start":1517.945,"end":1559.67},{"sentences":[{"text":"Do you guys have many sort of split bank accounts under each other's names between different banks, or do you guys tend to kind of bank jointly?","start":1560.93,"end":1569.03,"sentiment":"neutral","sentiment_score":-0.025854037315757188},{"text":"Yeah.","start":1585.77,"end":1586.01,"sentiment":"neutral","sentiment_score":-0.11205931007862092},{"text":"So that's the main risk you've got.","start":1586.01,"end":1588.0299,"sentiment":"neutral","sentiment_score":-0.3051523246935436},{"text":"See, that's the issue is if something happens to you and you can't act on your own behalf, he would have to go to the court to sue for probate to get access to the accounts, and a power of attorney would kind of skip that process a little bit.","start":1589.37,"end":1601.4751,"sentiment":"negative","sentiment_score":-0.36552419245243073},{"text":"So I I do recommend that you guys look into it just because you guys carry that risk a bit more than others.","start":1601.4751,"end":1608.72,"sentiment":"neutral","sentiment_score":-0.24003274706394775}],"sentiment":"neutral","sentiment_score":-0.24762173514399263,"num_words":108,"start":1560.93,"end":1608.72},{"sentences":[{"text":"That's good.","start":1615.6799,"end":1616.5,"sentiment":"positive","sentiment_score":0.4183862954378128},{"text":"Yeah.","start":1641.64,"end":1641.96,"sentiment":"neutral","sentiment_score":0.0524354949593544},{"text":"Yeah.","start":1641.96,"end":1642.28,"sentiment":"neutral","sentiment_score":0.07410216331481934},{"text":"Something like that.","start":1642.28,"end":1643.42,"sentiment":"neutral","sentiment_score":0.08037512997786204},{"text":"The only thing I can't recall is if those basic kits, if they how many steps you can go.","start":1646.6,"end":1652.255,"sentiment":"neutral","sentiment_score":-0.010236354152622976}],"sentiment":"neutral","sentiment_score":0.038844035007059574,"num_words":26,"start":1615.6799,"end":1652.255},{"sentences":[{"text":"I think they do one or two.","start":1652.395,"end":1653.755,"sentiment":"neutral","sentiment_score":-0.0037703061742441995},{"text":"I just can't quite recall, but definitely worth having a look at for the price, definitely.","start":1653.755,"end":1658.895,"sentiment":"neutral","sentiment_score":0.026933859335258603},{"text":"Alright, Debbie.","start":1664.78,"end":1665.42,"sentiment":"neutral","sentiment_score":0.09548315033316612},{"text":"Anything any other questions for me at this point?","start":1665.42,"end":1668.48,"sentiment":"neutral","sentiment_score":0.05772450566291809},{"text":"Cool.","start":1674.9401,"end":1675.4401,"sentiment":"positive","sentiment_score":0.4537076950073242}],"sentiment":"neutral","sentiment_score":0.04482126150812422,"num_words":35,"start":1652.395,"end":1675.4401},{"sentences":[{"text":"What I'll basically do is again, we'll do the risk standardize, fix the following a little bit.","start":1675.98,"end":1687.405,"sentiment":"neutral","sentiment_score":0.12668785847285213},{"text":"I'll see what we'll do with the Q's moving around so the insurances don't disappear.","start":1687.405,"end":1694.09,"sentiment":"neutral","sentiment_score":0.10399910087386767},{"text":"And then I've put in a few notes there about possibly that plan you guys are doing with your son if that comes to fruition next year.","start":1694.7899,"end":1703.055,"sentiment":"neutral","sentiment_score":0.18258067303233677},{"text":"If not, we'll kind of have that plan to talk to Shane about when he hits 60, and then afterwards whether you go past 60, whether we pay off the mortgage, do a bit of a transition strategy, and I've put all that in the system so everyone can see kind of the direction that we're looking at together.","start":1703.4551,"end":1720.13,"sentiment":"neutral","sentiment_score":0.14253110659577078},{"text":"Amazing.","start":1724.11,"end":1724.61,"sentiment":"positive","sentiment_score":0.7457425594329834}],"sentiment":"neutral","sentiment_score":0.1495666901479248,"num_words":119,"start":1675.98,"end":1724.61},{"sentences":[{"text":"Alright.","start":1724.6699,"end":1725.07,"sentiment":"positive","sentiment_score":0.41046759486198425},{"text":"So leave it with me.","start":1725.07,"end":1726.11,"sentiment":"neutral","sentiment_score":0.20711120665073396},{"text":"I'll dive into a few things, and then I'll talk to you in a few weeks once I've got those updated plans put together for you.","start":1726.11,"end":1732.11,"sentiment":"neutral","sentiment_score":0.2377086579799652},{"text":"And I will get someone to reach out to Shane for his review as well.","start":1732.11,"end":1735.595,"sentiment":"neutral","sentiment_score":0.26752500037352245},{"text":"No worries at all, Dean.","start":1740.4551,"end":1741.755,"sentiment":"neutral","sentiment_score":-0.00622214674949646}],"sentiment":"neutral","sentiment_score":0.2232348655278866,"num_words":52,"start":1724.6699,"end":1741.755},{"sentences":[{"text":"Actually, can I ask you before you go, how often do you guys think about it, and and is it exciting to think that it's coming close to where you don't have to don't have to go in and clock in?","start":1746.4551,"end":1756.2799,"sentiment":"neutral","sentiment_score":0.26528176492670685},{"text":"Yeah.","start":1759.7799,"end":1760.2799,"sentiment":"neutral","sentiment_score":0.09831616282463074},{"text":"Yeah.","start":1764.645,"end":1765.145,"sentiment":"neutral","sentiment_score":0.021472886204719543},{"text":"Yeah.","start":1776.805,"end":1777.2,"sentiment":"neutral","sentiment_score":0.017724700272083282},{"text":"Yep.","start":1784.48,"end":1784.98,"sentiment":"neutral","sentiment_score":0.04008617252111435}],"sentiment":"neutral","sentiment_score":0.24564782852927844,"num_words":45,"start":1746.4551,"end":1784.98},{"sentences":[{"text":"Yeah.","start":1793.5249,"end":1794.0249,"sentiment":"neutral","sentiment_score":0.013211271725594996},{"text":"Well, to be honest, you guys are doing all the right things to make sure you can, and I'm pretty confident that you'll get there.","start":1800.725,"end":1808.09,"sentiment":"positive","sentiment_score":0.5841214919090271},{"text":"And, look, we'll do our our bit alongside you to tweak a few things here and there just to get it up there.","start":1808.09,"end":1814.27,"sentiment":"neutral","sentiment_score":0.265595731527909},{"text":"But I've seen a lot worse positions than you guys, and I think you're in a pretty good spot, you know, despite having the mortgage there.","start":1814.41,"end":1821.615,"sentiment":"neutral","sentiment_score":-0.10574503894895315},{"text":"I think you'll still get to the end point and definitely be okay.","start":1821.775,"end":1826.115,"sentiment":"neutral","sentiment_score":0.11889907775016931}],"sentiment":"neutral","sentiment_score":0.22183258400764316,"num_words":88,"start":1793.5249,"end":1826.115},{"sentences":[{"text":"Yeah.","start":1840.67,"end":1841.17,"sentiment":"neutral","sentiment_score":0.3076851963996887},{"text":"That's the best part of my job is I do have the clients that as they retire, we set them up with a pension account, and we go, look, here's your monthly payments to live off.","start":1841.71,"end":1850.645,"sentiment":"positive","sentiment_score":0.41544589069154525},{"text":"And when you want that $10.20 grand to go to Europe, there you go.","start":1850.645,"end":1855.385,"sentiment":"neutral","sentiment_score":0.28158589346068247},{"text":"And then they get to send us a photo from their trip, put it on the office there, and everyone has a bit of a laugh and and a bit of a smile.","start":1856.0851,"end":1862.7451,"sentiment":"positive","sentiment_score":0.5126146231636857},{"text":"And then we just have that conversation a few years later.","start":1862.9501,"end":1865.11,"sentiment":"neutral","sentiment_score":0.2586939348415895}],"sentiment":"positive","sentiment_score":0.41018795386741036,"num_words":95,"start":1840.67,"end":1865.11},{"sentences":[{"text":"They're probably spending a bit too much.","start":1865.11,"end":1866.81,"sentiment":"neutral","sentiment_score":-0.0816363553915705},{"text":"They have to go to Europe every six months, maybe just slow down a little bit.","start":1866.87,"end":1870.0901,"sentiment":"neutral","sentiment_score":-0.044955616584047675},{"text":"Perfect.","start":1889.665,"end":1890.145,"sentiment":"positive","sentiment_score":0.5865179300308228},{"text":"Yeah.","start":1890.145,"end":1890.545,"sentiment":"neutral","sentiment_score":0.2786780595779419},{"text":"No.","start":1890.545,"end":1890.785,"sentiment":"neutral","sentiment_score":0.07140886038541794}],"sentiment":"neutral","sentiment_score":-0.01362075011890668,"num_words":26,"start":1865.11,"end":1890.785},{"sentences":[{"text":"I think that'd be lovely, and I'll I'll factor that in too.","start":1890.785,"end":1893.7201,"sentiment":"neutral","sentiment_score":0.3195536558826764},{"text":"But look, thank you very much for taking the time to chat to us, and and it really helps to be able to just have these quick chats, update a few things, and then we can do our bit.","start":1893.7201,"end":1903.0801,"sentiment":"positive","sentiment_score":0.6352681181369684},{"text":"So I just wanna say thank you.","start":1903.0801,"end":1909.015,"sentiment":"positive","sentiment_score":0.5484213786465781},{"text":"No.","start":1909.015,"end":1909.255,"sentiment":"neutral","sentiment_score":0.13520076870918274},{"text":"Awesome.","start":1909.255,"end":1909.495,"sentiment":"positive","sentiment_score":0.6237552165985107}],"sentiment":"positive","sentiment_score":0.5534667685627938,"num_words":60,"start":1890.785,"end":1909.495},{"sentences":[{"text":"Good.","start":1909.495,"end":1909.735,"sentiment":"positive","sentiment_score":0.6258742809295654},{"text":"Talk to you soon.","start":1909.735,"end":1910.635,"sentiment":"positive","sentiment_score":0.6135979741811752},{"text":"Cheers.","start":1913.735,"end":1914.2151,"sentiment":"positive","sentiment_score":0.5930384993553162},{"text":"Bye.","start":1914.2151,"end":1914.7151,"sentiment":"neutral","sentiment_score":-0.09637853503227234}],"sentiment":"positive","sentiment_score":0.5109894488539014,"num_words":7,"start":1909.495,"end":1914.7151}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. That's a little bit better. Yep. Yep. Mhmm. Yeah. Mhmm. Yeah. That's all been done. So that's been transferred over. That that was the the defined benefit, retired benefit or something, and that finished when I turned 55, which is beginning of this year. And we transferred it over to the accumulation fund, and I took out 9,000. I think I ended up selling when you take all the tax net out. So leave 16 thousand leave 16,000 left in there now. Yep. Yep. So what I need to do but I think I gotta ring hub to do that. I need to transfer it over into my hub account. Oh, yeah. So it's about to keep it. I can't transfer it. Is that right? Yeah. Well, I don't have any insurances on the hub one, so it probably wouldn't hurt to have a bit of insurance on that one. Yep. Yeah. I just don't wanna pay a fortune. That's that's why I've I've got rid of it all. Because I had it all, and then I asked for it all to be taken out because I felt like I was spending more money in fees. And and I have I might I am only five years off retirement, so I'm hoping I'm not gonna need insurance. So it's just nice to have that little bit of a buffer in case something does go wrong. Righto. So just keep that going. So then if something does happen, I can at least claim that life insurance through that. Hey. Yeah. Righto. Okay. That sounds good. Let's we'll do I'll just leave it as it is. Well, yeah, I've never found them good, which is why I come over went over to Hub. What contributions going in there? Yeah. I'm sorry. I shouldn't have any money well, I thought I transferred everything over into hub. That's alright. No. I don't really know what you just asked, but I've done nothing with the super account. Is that what you mean? The q super? Oh, no. I've never done that. Never didn't even yeah. I don't even I haven't even been online with them. Okay. Perfect. Yep. Mhmm. Right. Yep. Right. Righto. Sounds good. Yep. Yep. That sounds good. Yep. Sounds good. Yeah. What do you mean? Yeah. I'm just trying to get the the mortgage down and my car paid off and that sort of stuff over the next few years. Yes. Yes. Nah. I think it's a 105 now. Oh, awesome. Right. Yeah. Yep. Yeah. It's still a bit the same. Well, we actually just got an appraised not too long ago because we've been thinking about selling it and moving to her. So, her son's about buying a block, but that may not happen yet. But, yeah. So the house is based around 800 at the moment. Well, the idea is he's looking to buy an eight a 100 acres. And the idea is the he's actually looking at a property, but probably won't become available till next year. But, you know, it may not happen yet. But the idea is is we sell this and we build our dwelling on his block, like, a tiny house or a shelf or something like that. So that's ideally what we wanna do because then that'll get us debt free quicker and money in the bank quicker. And while I'm still working and not paying any bills, it'll help boost my super as well. So that's that's what we want to do. We just gotta see if we can make it happen. Yeah. It's a good idea, but whether we can make it happen or not, it's a different thing. Also, while I'm talking to you, just a question. If I decided I wanted to stay working a bit longer than sixty, because of the job I've got, it'd be easy for me to be able to work a bit over. Would it be worth me doing that? Would I make enough extra money in my super if I work an extra five years? Righto. So what if could I do if we still because we'll still owe money on the mortgage. Could I could I use some of my super to pay out the mortgage and keep doing that? Or do I have to actually retire to be able to take a lump sum out of my super? Nice. Okay. Righto. So Shane turns kinda he turned 60 two years before me. So is there a super always gonna stay separate or does it get combined? Or how does that work once you get to retirement age? Yeah. Righto. But you can never there's never a time where you can take a lump sum out of your super if you're fully retired. Okay. Yep. Righty. Okay. Sorry. I'm just trying to think of all of my options. Yeah. Righty. And does 500,000 each sound a reasonable amount to retire on? No. Mhmm. Right. So we we are in a good position to be on track. I've been trained on 400 thousand at the moment. Yep. But yeah. Yeah. I know. That's why I was hoping because I've got sorry? I'm just gonna say the actual mortgage, if I can't put any more in it than what I'm putting in there at the moment, because I'm already paying more than I I need to. I've got twelve years left. So that's so that's how much is left from the contract. So I'm that's why I'm thinking maybe I worked until I'm 67. There you go, the 60. And I'll have the mortgage paid off maybe a couple of years sooner. Yeah. And then I don't have to dig into my super to pay off the mortgage. Yeah. Righto. Okay. That sounds good. Mhmm. Yep. Okay. And is Shane having one of these? He hasn't got his I don't think he's got his appointment yet. Because he's probably been need to look at all this too because he he wants to retire in two and a half years. Oh, well, three. He's 57. So he want he's not working a day past sixty, apparently. He's he he works in retail. He is he works on his own. He's working his ass off, and he's getting worn out. He's getting too old. So yeah. So he's the one that's gonna wanna retire dead on 60. I can probably go a bit longer. Oh, okay. Righto. Yeah. Yeah. Righto. And in the meantime, I'm gonna win the lotto and pay the mortgage off, so we'll be fine. Depends how much it is. I might even give you a tip. Yes. Yeah. We did do, like, an online one. Would have been probably that how long ago? 2020. Yeah. I don't even remember who we did that through. No. Yeah. No. We haven't we haven't gone that down that road yet. Oh, okay. Righto. Yeah. Well, it's something that we've we know we're gonna look at, but, you know, because we we're so well now, we haven't really thought about it. But I guess it's something we're better off to do sooner rather than later in case something does happen. We've got one savings account jointly, and the other account pretty much is in my name. You know, like, working account, day to day account, that sort of stuff. Grandkids account, all that sort of stuff. Shane hasn't actually got an account on his own. Okay. Well, we do have a joint account where our savings goes into. But, yeah, the rest isn't isn't joint. Because I just transfer money around, you know, like, from one account to another. But yeah. Okay. So what I that means I would make Shane my power of attorney while he's alive, and then we'd make one of the kids if we're both gone. Is that how it work? Or not live, but, I mean, able, you know, able to do our own thing. Yeah. Right there. Alright. We'll look at that. No. No. I think we're all good. Yep. That sounds good. Awesome. Thanks very much. It's exciting. Retirement's getting a bit closer, but it's not close enough for our liking. Yes. We think that all the time these days. Shane more so because he's closer than me. Because I've got a caravan, we just wanna travel. We go away for a month every year. Financially, obviously, that's what's stopping us doing it now was we would be retired now if we could. So, yeah, definitely some it's something we never thought about probably twenty years ago. But as we're getting closer and we see a super growing, we think about it more and more. And then we start to worry, are we gonna have enough? Are we gonna be able to retire? I'm gonna be those people who gotta work to 80. Yeah. That's that's sort of things. Oh, perfect. That's yeah. That's nice to hear. Because I mean, it's okay for me to think it, but for someone, like, in your position to tell me that, I think, okay. Well, we are still going on the right track then. Yeah. Yeah. Actually, that is one of our bucket list. Go to Europe and Las Vegas. That's two places we wanna go. Not necessarily in the first six months of retirement, but at some point before we get too old. Awesome. Thanks very much, Tom. Okay. See you. 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Yeah. That's a little bit better. Yep. Yep.\n\nMhmm. Yeah. Mhmm. Yeah. That's all been done.\n\nSo that's been transferred over. That that was the the defined benefit, retired benefit or something, and that finished when I turned 55, which is beginning of this year. And we transferred it over to the accumulation fund, and I took out 9,000. I think I ended up selling when you take all the tax net out. So leave 16 thousand leave 16,000 left in there now.\n\nYep. Yep. So what I need to do but I think I gotta ring hub to do that. I need to transfer it over into my hub account. Oh, yeah.\n\nSo it's about to keep it. I can't transfer it. Is that right? Yeah. Well, I don't have any insurances on the hub one, so it probably wouldn't hurt to have a bit of insurance on that one.\n\nYep. Yeah. I just don't wanna pay a fortune. That's that's why I've I've got rid of it all. Because I had it all, and then I asked for it all to be taken out because I felt like I was spending more money in fees.\n\nAnd and I have I might I am only five years off retirement, so I'm hoping I'm not gonna need insurance. So it's just nice to have that little bit of a buffer in case something does go wrong. Righto. So just keep that going. So then if something does happen, I can at least claim that life insurance through that.\n\nHey. Yeah. Righto. Okay. That sounds good.\n\nLet's we'll do I'll just leave it as it is. Well, yeah, I've never found them good, which is why I come over went over to Hub. What contributions going in there? Yeah. I'm sorry.\n\nI shouldn't have any money well, I thought I transferred everything over into hub. That's alright. No. I don't really know what you just asked, but I've done nothing with the super account. Is that what you mean?\n\nThe q super? Oh, no. I've never done that. Never didn't even yeah. I don't even I haven't even been online with them.\n\nOkay. Perfect. Yep. Mhmm. Right.\n\nYep. Right. Righto. Sounds good. Yep.\n\nYep. That sounds good. Yep. Sounds good. Yeah.\n\nWhat do you mean? Yeah. I'm just trying to get the the mortgage down and my car paid off and that sort of stuff over the next few years. Yes. Yes.\n\nNah. I think it's a 105 now. Oh, awesome. Right. Yeah.\n\nYep. Yeah. It's still a bit the same. Well, we actually just got an appraised not too long ago because we've been thinking about selling it and moving to her. So, her son's about buying a block, but that may not happen yet.\n\nBut, yeah. So the house is based around 800 at the moment. Well, the idea is he's looking to buy an eight a 100 acres. And the idea is the he's actually looking at a property, but probably won't become available till next year. But, you know, it may not happen yet.\n\nBut the idea is is we sell this and we build our dwelling on his block, like, a tiny house or a shelf or something like that. So that's ideally what we wanna do because then that'll get us debt free quicker and money in the bank quicker. And while I'm still working and not paying any bills, it'll help boost my super as well. So that's that's what we want to do. We just gotta see if we can make it happen.\n\nYeah. It's a good idea, but whether we can make it happen or not, it's a different thing. Also, while I'm talking to you, just a question. If I decided I wanted to stay working a bit longer than sixty, because of the job I've got, it'd be easy for me to be able to work a bit over. Would it be worth me doing that?\n\nWould I make enough extra money in my super if I work an extra five years? Righto. So what if could I do if we still because we'll still owe money on the mortgage. Could I could I use some of my super to pay out the mortgage and keep doing that? Or do I have to actually retire to be able to take a lump sum out of my super?\n\nNice. Okay. Righto. So Shane turns kinda he turned 60 two years before me. So is there a super always gonna stay separate or does it get combined?\n\nOr how does that work once you get to retirement age? Yeah. Righto. But you can never there's never a time where you can take a lump sum out of your super if you're fully retired. Okay.\n\nYep. Righty. Okay. Sorry. I'm just trying to think of all of my options.\n\nYeah. Righty. And does 500,000 each sound a reasonable amount to retire on? No. Mhmm.\n\nRight. So we we are in a good position to be on track. I've been trained on 400 thousand at the moment. Yep. But yeah.\n\nYeah. I know. That's why I was hoping because I've got sorry? I'm just gonna say the actual mortgage, if I can't put any more in it than what I'm putting in there at the moment, because I'm already paying more than I I need to. I've got twelve years left.\n\nSo that's so that's how much is left from the contract. So I'm that's why I'm thinking maybe I worked until I'm 67. There you go, the 60. And I'll have the mortgage paid off maybe a couple of years sooner. Yeah.\n\nAnd then I don't have to dig into my super to pay off the mortgage. Yeah. Righto. Okay. That sounds good.\n\nMhmm. Yep. Okay. And is Shane having one of these? He hasn't got his I don't think he's got his appointment yet.\n\nBecause he's probably been need to look at all this too because he he wants to retire in two and a half years. Oh, well, three. He's 57. So he want he's not working a day past sixty, apparently. He's he he works in retail.\n\nHe is he works on his own. He's working his ass off, and he's getting worn out. He's getting too old. So yeah. So he's the one that's gonna wanna retire dead on 60.\n\nI can probably go a bit longer. Oh, okay. Righto. Yeah. Yeah.\n\nRighto. And in the meantime, I'm gonna win the lotto and pay the mortgage off, so we'll be fine. Depends how much it is. I might even give you a tip. Yes.\n\nYeah. We did do, like, an online one. Would have been probably that how long ago? 2020. Yeah.\n\nI don't even remember who we did that through. No. Yeah. No. We haven't we haven't gone that down that road yet.\n\nOh, okay. Righto. Yeah. Well, it's something that we've we know we're gonna look at, but, you know, because we we're so well now, we haven't really thought about it. But I guess it's something we're better off to do sooner rather than later in case something does happen.\n\nWe've got one savings account jointly, and the other account pretty much is in my name. You know, like, working account, day to day account, that sort of stuff. Grandkids account, all that sort of stuff. Shane hasn't actually got an account on his own. Okay.\n\nWell, we do have a joint account where our savings goes into. But, yeah, the rest isn't isn't joint. Because I just transfer money around, you know, like, from one account to another. But yeah. Okay.\n\nSo what I that means I would make Shane my power of attorney while he's alive, and then we'd make one of the kids if we're both gone. Is that how it work? Or not live, but, I mean, able, you know, able to do our own thing. Yeah. Right there.\n\nAlright. We'll look at that. No. No. I think we're all good.\n\nYep. That sounds good. Awesome. Thanks very much. It's exciting.\n\nRetirement's getting a bit closer, but it's not close enough for our liking. Yes. We think that all the time these days. Shane more so because he's closer than me. Because I've got a caravan, we just wanna travel.\n\nWe go away for a month every year. Financially, obviously, that's what's stopping us doing it now was we would be retired now if we could. So, yeah, definitely some it's something we never thought about probably twenty years ago. But as we're getting closer and we see a super growing, we think about it more and more. And then we start to worry, are we gonna have enough?\n\nAre we gonna be able to retire? I'm gonna be those people who gotta work to 80. Yeah. That's that's sort of things. Oh, perfect.\n\nThat's yeah. That's nice to hear. Because I mean, it's okay for me to think it, but for someone, like, in your position to tell me that, I think, okay. Well, we are still going on the right track then. Yeah.\n\nYeah. Actually, that is one of our bucket list. Go to Europe and Las Vegas. That's two places we wanna go. Not necessarily in the first six months of retirement, but at some point before we get too old.\n\nAwesome. Thanks very much, Tom. Okay. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.02223929576575756},{"text":"Yeah.","start":5.44,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.12961003184318542},{"text":"That's a little bit better.","start":5.7599998,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.18770026564598083},{"text":"Yep.","start":6.8799996,"end":7.3799996,"sentiment":"positive","sentiment_score":0.362248033285141},{"text":"Yep.","start":12.559999,"end":13.059999,"sentiment":"neutral","sentiment_score":0.22818562388420105}],"sentiment":"neutral","sentiment_score":0.18675381255646548,"num_words":9,"start":0.56,"end":13.059999},{"sentences":[{"text":"Mhmm.","start":26.665,"end":26.97,"sentiment":"neutral","sentiment_score":0.06404642760753632},{"text":"Yeah.","start":38.41,"end":38.91,"sentiment":"neutral","sentiment_score":0.21820834279060364},{"text":"Mhmm.","start":52.785,"end":53.13,"sentiment":"neutral","sentiment_score":-0.004267760086804628},{"text":"Yeah.","start":63.61,"end":64.01,"sentiment":"neutral","sentiment_score":0.009819554165005684},{"text":"That's all been done.","start":64.01,"end":65.145,"sentiment":"neutral","sentiment_score":0.01002036826685071}],"sentiment":"neutral","sentiment_score":0.04098600469296798,"num_words":8,"start":26.665,"end":65.145},{"sentences":[{"text":"So that's been transferred over.","start":66.905,"end":68.585,"sentiment":"neutral","sentiment_score":0.006728986836969852},{"text":"That that was the the defined benefit, retired benefit or something, and that finished when I turned 55, which is beginning of this year.","start":68.585,"end":81.94,"sentiment":"neutral","sentiment_score":0.016235617532705266},{"text":"And we transferred it over to the accumulation fund, and I took out 9,000.","start":82.32,"end":88.8,"sentiment":"neutral","sentiment_score":0.008233650670652943},{"text":"I think I ended up selling when you take all the tax net out.","start":88.8,"end":92.445,"sentiment":"neutral","sentiment_score":-0.029270478391221592},{"text":"So leave 16 thousand leave 16,000 left in there now.","start":92.525,"end":97.104996,"sentiment":"neutral","sentiment_score":0.015725100040435792}],"sentiment":"neutral","sentiment_score":0.004269181601286157,"num_words":67,"start":66.905,"end":97.104996},{"sentences":[{"text":"Yep.","start":101.165,"end":101.665,"sentiment":"neutral","sentiment_score":0.04539050906896591},{"text":"Yep.","start":116.3,"end":116.62,"sentiment":"neutral","sentiment_score":0.012312807142734528},{"text":"So what I need to do but I think I gotta ring hub to do that.","start":116.62,"end":119.82,"sentiment":"neutral","sentiment_score":-0.05269754631444812},{"text":"I need to transfer it over into my hub account.","start":119.82,"end":122.56,"sentiment":"neutral","sentiment_score":-0.01772785186767578},{"text":"Oh, yeah.","start":135.925,"end":136.825,"sentiment":"neutral","sentiment_score":0.0049293870106339455}],"sentiment":"neutral","sentiment_score":-0.03176257231583198,"num_words":30,"start":101.165,"end":136.825},{"sentences":[{"text":"So it's about to keep it.","start":150.645,"end":152.085,"sentiment":"neutral","sentiment_score":0.03761935792863369},{"text":"I can't transfer it.","start":152.085,"end":153.54501,"sentiment":"neutral","sentiment_score":-0.1480928547680378},{"text":"Is that right?","start":154.24501,"end":155.145,"sentiment":"neutral","sentiment_score":0.019897133111953735},{"text":"Yeah.","start":168.98001,"end":169.38,"sentiment":"neutral","sentiment_score":0.04104483127593994},{"text":"Well, I don't have any insurances on the hub one, so it probably wouldn't hurt to have a bit of insurance on that one.","start":169.38,"end":174.44,"sentiment":"neutral","sentiment_score":-0.10553723635772864}],"sentiment":"neutral","sentiment_score":-0.07365296614405356,"num_words":38,"start":150.645,"end":174.44},{"sentences":[{"text":"Yep.","start":189.02501,"end":189.36,"sentiment":"neutral","sentiment_score":0.050555355846881866},{"text":"Yeah.","start":198.96,"end":199.28,"sentiment":"neutral","sentiment_score":-0.2024541199207306},{"text":"I just don't wanna pay a fortune.","start":199.28,"end":201.12,"sentiment":"negative","sentiment_score":-0.5126526781490871},{"text":"That's that's why I've I've got rid of it all.","start":201.12,"end":203.28,"sentiment":"negative","sentiment_score":-0.3859618753194809},{"text":"Because I had it all, and then I asked for it all to be taken out because I felt like I was spending more money in fees.","start":203.28,"end":210.14499,"sentiment":"negative","sentiment_score":-0.4527498892060033}],"sentiment":"negative","sentiment_score":-0.4309637668016164,"num_words":46,"start":189.02501,"end":210.14499},{"sentences":[{"text":"And and I have I might I am only five years off retirement, so I'm hoping I'm not gonna need insurance.","start":210.14499,"end":218.245,"sentiment":"negative","sentiment_score":-0.41137326047534034},{"text":"So it's just nice to have that little bit of a buffer in case something does go wrong.","start":218.79999,"end":223.14,"sentiment":"neutral","sentiment_score":0.08906246887312995},{"text":"Righto.","start":246.235,"end":246.635,"sentiment":"positive","sentiment_score":0.4742564558982849},{"text":"So just keep that going.","start":246.635,"end":247.75499,"sentiment":"positive","sentiment_score":0.46032097935676575},{"text":"So then if something does happen, I can at least claim that life insurance through that.","start":247.75499,"end":253.05,"sentiment":"neutral","sentiment_score":0.32774618174880743}],"sentiment":"neutral","sentiment_score":0.01613256115405286,"num_words":61,"start":210.14499,"end":253.05},{"sentences":[{"text":"Hey.","start":253.11,"end":253.61,"sentiment":"neutral","sentiment_score":0.1459682285785675},{"text":"Yeah.","start":254.87,"end":255.37,"sentiment":"neutral","sentiment_score":0.05894145369529724},{"text":"Righto.","start":260.71,"end":261.21,"sentiment":"neutral","sentiment_score":0.21520845592021945},{"text":"Okay.","start":261.27,"end":261.645,"sentiment":"neutral","sentiment_score":0.3262781798839569},{"text":"That sounds good.","start":261.88498,"end":262.865,"sentiment":"positive","sentiment_score":0.5841378966967264}],"sentiment":"positive","sentiment_score":0.3569728583097458,"num_words":7,"start":253.11,"end":262.865},{"sentences":[{"text":"Let's we'll do I'll just leave it as it is.","start":262.925,"end":265.345,"sentiment":"positive","sentiment_score":0.40727094411849973},{"text":"Well, yeah, I've never found them good, which is why I come over went over to Hub.","start":286.41,"end":290.905,"sentiment":"neutral","sentiment_score":-0.07666201232110753},{"text":"What contributions going in there?","start":309.87,"end":311.97,"sentiment":"neutral","sentiment_score":0.026493104733526708},{"text":"Yeah.","start":317.335,"end":317.835,"sentiment":"neutral","sentiment_score":-0.007213545497506857},{"text":"I'm sorry.","start":319.335,"end":319.815,"sentiment":"neutral","sentiment_score":-0.09085047245025635}],"sentiment":"neutral","sentiment_score":0.07751446471416525,"num_words":35,"start":262.925,"end":319.815},{"sentences":[{"text":"I shouldn't have any money well, I thought I transferred everything over into hub.","start":319.815,"end":323.995,"sentiment":"neutral","sentiment_score":-0.12650772290570395},{"text":"That's alright.","start":337.43002,"end":338.25,"sentiment":"neutral","sentiment_score":0.01364609831944108},{"text":"No.","start":352.885,"end":353.34,"sentiment":"neutral","sentiment_score":-0.16129331290721893},{"text":"I don't really know what you just asked, but I've done nothing with the super account.","start":353.9,"end":358.69998,"sentiment":"neutral","sentiment_score":-0.2361561255529523},{"text":"Is that what you mean?","start":358.69998,"end":359.34,"sentiment":"neutral","sentiment_score":-0.14353735744953156}],"sentiment":"neutral","sentiment_score":-0.1684551061327128,"num_words":38,"start":319.815,"end":359.34},{"sentences":[{"text":"The q super?","start":359.34,"end":360.16,"sentiment":"neutral","sentiment_score":-0.10519036899010341},{"text":"Oh, no.","start":373.915,"end":375.035,"sentiment":"neutral","sentiment_score":-0.30501823127269745},{"text":"I've never done that.","start":375.035,"end":376.155,"sentiment":"negative","sentiment_score":-0.3699973523616791},{"text":"Never didn't even yeah.","start":376.155,"end":378.6,"sentiment":"negative","sentiment_score":-0.3937694802880287},{"text":"I don't even I haven't even been online with them.","start":379.64,"end":382.30002,"sentiment":"neutral","sentiment_score":-0.3122678831219673}],"sentiment":"neutral","sentiment_score":-0.30884146657974826,"num_words":23,"start":359.34,"end":382.30002},{"sentences":[{"text":"Okay.","start":400.29498,"end":400.775,"sentiment":"positive","sentiment_score":0.6593729257583618},{"text":"Perfect.","start":400.775,"end":401.275,"sentiment":"positive","sentiment_score":0.773175060749054},{"text":"Yep.","start":410.79,"end":411.29,"sentiment":"neutral","sentiment_score":0.1926540583372116},{"text":"Mhmm.","start":437.65,"end":438.15,"sentiment":"neutral","sentiment_score":-0.1213262304663658},{"text":"Right.","start":447.025,"end":447.525,"sentiment":"neutral","sentiment_score":0.10022477805614471}],"sentiment":"neutral","sentiment_score":0.32082011848688125,"num_words":5,"start":400.29498,"end":447.525},{"sentences":[{"text":"Yep.","start":479.05502,"end":479.55502,"sentiment":"neutral","sentiment_score":0.03764881566166878},{"text":"Right.","start":479.61502,"end":480.11502,"sentiment":"neutral","sentiment_score":0.06338285654783249},{"text":"Righto.","start":497.63,"end":498.045,"sentiment":"neutral","sentiment_score":0.31211763620376587},{"text":"Sounds good.","start":498.52502,"end":499.265,"sentiment":"positive","sentiment_score":0.5335118770599365},{"text":"Yep.","start":522.46,"end":522.96,"sentiment":"neutral","sentiment_score":0.17907880246639252}],"sentiment":"neutral","sentiment_score":0.2765419774999221,"num_words":6,"start":479.05502,"end":522.96},{"sentences":[{"text":"Yep.","start":526.13495,"end":526.45496,"sentiment":"neutral","sentiment_score":0.2579619884490967},{"text":"That sounds good.","start":526.45496,"end":527.44495,"sentiment":"positive","sentiment_score":0.5722196300824484},{"text":"Yep.","start":542.55,"end":543.05,"sentiment":"neutral","sentiment_score":0.2541557848453522},{"text":"Sounds good.","start":543.11,"end":543.85,"sentiment":"positive","sentiment_score":0.40989577770233154},{"text":"Yeah.","start":556.725,"end":557.225,"sentiment":"neutral","sentiment_score":0.0255298875272274}],"sentiment":"positive","sentiment_score":0.38426226330921054,"num_words":8,"start":526.13495,"end":557.225},{"sentences":[{"text":"What do you mean?","start":566.29,"end":573.26996,"sentiment":"neutral","sentiment_score":0.03324524452909827},{"text":"Yeah.","start":579.435,"end":579.935,"sentiment":"neutral","sentiment_score":0.02214299887418747},{"text":"I'm just trying to get the the mortgage down and my car paid off and that sort of stuff over the next few years.","start":580.075,"end":590.815,"sentiment":"neutral","sentiment_score":0.020537127148903284},{"text":"Yes.","start":605.23,"end":605.565,"sentiment":"neutral","sentiment_score":0.21725882589817047},{"text":"Yes.","start":618.605,"end":618.93,"sentiment":"neutral","sentiment_score":-0.06466306746006012}],"sentiment":"neutral","sentiment_score":0.025826154419431282,"num_words":31,"start":566.29,"end":618.93},{"sentences":[{"text":"Nah.","start":625.73,"end":626.21,"sentiment":"neutral","sentiment_score":-0.03345413878560066},{"text":"I think it's a 105 now.","start":626.21,"end":628.79,"sentiment":"neutral","sentiment_score":-0.01407546161984404},{"text":"Oh, awesome.","start":661.245,"end":662.065,"sentiment":"positive","sentiment_score":0.43362000584602356},{"text":"Right.","start":688.605,"end":688.845,"sentiment":"neutral","sentiment_score":0.11023496091365814},{"text":"Yeah.","start":688.845,"end":689.345,"sentiment":"neutral","sentiment_score":0.1601121872663498}],"sentiment":"neutral","sentiment_score":0.09269820466976274,"num_words":11,"start":625.73,"end":689.345},{"sentences":[{"text":"Yep.","start":698.765,"end":699.265,"sentiment":"neutral","sentiment_score":0.002488336293026805},{"text":"Yeah.","start":699.96497,"end":700.285,"sentiment":"neutral","sentiment_score":0.00809444859623909},{"text":"It's still a bit the same.","start":700.285,"end":701.825,"sentiment":"neutral","sentiment_score":-0.007512387198706468},{"text":"Well, we actually just got an appraised not too long ago because we've been thinking about selling it and moving to her.","start":710.00995,"end":717.005,"sentiment":"neutral","sentiment_score":-0.0033413151448423214},{"text":"So, her son's about buying a block, but that may not happen yet.","start":717.005,"end":720.92505,"sentiment":"neutral","sentiment_score":-0.007966079032764984}],"sentiment":"neutral","sentiment_score":-0.004919988346870902,"num_words":43,"start":698.765,"end":720.92505},{"sentences":[{"text":"But, yeah.","start":720.92505,"end":722.84503,"sentiment":"neutral","sentiment_score":0.013097857125103474},{"text":"So the house is based around 800 at the moment.","start":722.84503,"end":725.905,"sentiment":"neutral","sentiment_score":0.03300578854978085},{"text":"Well, the idea is he's looking to buy an eight a 100 acres.","start":743.895,"end":747.835,"sentiment":"neutral","sentiment_score":0.04608098460504642},{"text":"And the idea is the he's actually looking at a property, but probably won't become available till next year.","start":749.095,"end":755.83997,"sentiment":"neutral","sentiment_score":0.03349289582356026},{"text":"But, you know, it may not happen yet.","start":755.83997,"end":758.16,"sentiment":"neutral","sentiment_score":-0.017392405308783054}],"sentiment":"neutral","sentiment_score":0.027933311111365374,"num_words":52,"start":720.92505,"end":758.16},{"sentences":[{"text":"But the idea is is we sell this and we build our dwelling on his block, like, a tiny house or a shelf or something like that.","start":758.16,"end":769.45996,"sentiment":"neutral","sentiment_score":0.1202646361456977},{"text":"So that's ideally what we wanna do because then that'll get us debt free quicker and money in the bank quicker.","start":769.815,"end":780.315,"sentiment":"neutral","sentiment_score":0.26680477318309603},{"text":"And while I'm still working and not paying any bills, it'll help boost my super as well.","start":781.495,"end":787.99,"sentiment":"positive","sentiment_score":0.345871784231242},{"text":"So that's that's what we want to do.","start":787.99,"end":790.55,"sentiment":"positive","sentiment_score":0.3851088136434555},{"text":"We just gotta see if we can make it happen.","start":790.55,"end":792.73,"sentiment":"positive","sentiment_score":0.40114712715148926}],"sentiment":"neutral","sentiment_score":0.2629181629562952,"num_words":83,"start":758.16,"end":792.73},{"sentences":[{"text":"Yeah.","start":835.935,"end":836.435,"sentiment":"neutral","sentiment_score":0.17641422152519226},{"text":"It's a good idea, but whether we can make it happen or not, it's a different thing.","start":836.46,"end":840.24005,"sentiment":"neutral","sentiment_score":0.08229370678172392},{"text":"Also, while I'm talking to you, just a question.","start":846.7,"end":849.12,"sentiment":"neutral","sentiment_score":0.004440085186312596},{"text":"If I decided I wanted to stay working a bit longer than sixty, because of the job I've got, it'd be easy for me to be able to work a bit over.","start":849.58496,"end":861.845,"sentiment":"positive","sentiment_score":0.4001487581990659},{"text":"Would it be worth me doing that?","start":862.14496,"end":863.58496,"sentiment":"positive","sentiment_score":0.4172752584729876}],"sentiment":"neutral","sentiment_score":0.26274325871473236,"num_words":66,"start":835.935,"end":863.58496},{"sentences":[{"text":"Would I make enough extra money in my super if I work an extra five years?","start":863.58496,"end":868.0,"sentiment":"neutral","sentiment_score":0.29478692915290594},{"text":"Righto.","start":903.8,"end":904.3,"sentiment":"neutral","sentiment_score":0.170480415225029},{"text":"So what if could I do if we still because we'll still owe money on the mortgage.","start":904.76,"end":912.525,"sentiment":"neutral","sentiment_score":0.009838580756502993},{"text":"Could I could I use some of my super to pay out the mortgage and keep doing that?","start":913.145,"end":920.905,"sentiment":"neutral","sentiment_score":0.1343279420915577},{"text":"Or do I have to actually retire to be able to take a lump sum out of my super?","start":920.905,"end":926.58997,"sentiment":"neutral","sentiment_score":0.07561690791657097}],"sentiment":"neutral","sentiment_score":0.12547818820556284,"num_words":71,"start":863.58496,"end":926.58997},{"sentences":[{"text":"Nice.","start":960.36,"end":960.645,"sentiment":"neutral","sentiment_score":0.3219917416572571},{"text":"Okay.","start":974.085,"end":974.585,"sentiment":"neutral","sentiment_score":0.12032045423984528},{"text":"Righto.","start":974.965,"end":975.465,"sentiment":"neutral","sentiment_score":0.07918453216552734},{"text":"So Shane turns kinda he turned 60 two years before me.","start":976.68,"end":981.18,"sentiment":"neutral","sentiment_score":-0.019032406874678352},{"text":"So is there a super always gonna stay separate or does it get combined?","start":981.72,"end":986.69995,"sentiment":"neutral","sentiment_score":0.0029967734590172768}],"sentiment":"neutral","sentiment_score":0.012646252888121776,"num_words":28,"start":960.36,"end":986.69995},{"sentences":[{"text":"Or how does that work once you get to retirement age?","start":986.83997,"end":990.165,"sentiment":"neutral","sentiment_score":0.008687338368459181},{"text":"Yeah.","start":1000.725,"end":1001.225,"sentiment":"neutral","sentiment_score":0.13037654757499695},{"text":"Righto.","start":1029.145,"end":1029.645,"sentiment":"neutral","sentiment_score":0.26408934593200684},{"text":"But you can never there's never a time where you can take a lump sum out of your super if you're fully retired.","start":1029.96,"end":1038.62,"sentiment":"neutral","sentiment_score":0.15050670941886696},{"text":"Okay.","start":1044.6799,"end":1045.065,"sentiment":"neutral","sentiment_score":0.11926862597465517}],"sentiment":"neutral","sentiment_score":0.11002566373428783,"num_words":37,"start":986.83997,"end":1045.065},{"sentences":[{"text":"Yep.","start":1054.4249,"end":1054.9249,"sentiment":"neutral","sentiment_score":0.16564694046974182},{"text":"Righty.","start":1055.225,"end":1055.725,"sentiment":"neutral","sentiment_score":0.2399127781391144},{"text":"Okay.","start":1056.985,"end":1057.485,"sentiment":"neutral","sentiment_score":0.201023131608963},{"text":"Sorry.","start":1058.1,"end":1058.34,"sentiment":"neutral","sentiment_score":-0.007865332067012787},{"text":"I'm just trying to think of all of my options.","start":1058.34,"end":1060.6799,"sentiment":"neutral","sentiment_score":-0.02880403269082308}],"sentiment":"neutral","sentiment_score":0.02219122794589826,"num_words":14,"start":1054.4249,"end":1060.6799},{"sentences":[{"text":"Yeah.","start":1061.7,"end":1062.2,"sentiment":"neutral","sentiment_score":0.16550153493881226},{"text":"Righty.","start":1081.635,"end":1082.135,"sentiment":"neutral","sentiment_score":0.3268502950668335},{"text":"And does 500,000 each sound a reasonable amount to retire on?","start":1082.595,"end":1090.34,"sentiment":"neutral","sentiment_score":0.23899700831283222},{"text":"No.","start":1099.0399,"end":1099.455,"sentiment":"neutral","sentiment_score":-0.060281600803136826},{"text":"Mhmm.","start":1117.63,"end":1118.13,"sentiment":"neutral","sentiment_score":0.04625322669744491}],"sentiment":"neutral","sentiment_score":0.2071527031560739,"num_words":15,"start":1061.7,"end":1118.13},{"sentences":[{"text":"Right.","start":1171.85,"end":1172.0901,"sentiment":"positive","sentiment_score":0.4121086597442627},{"text":"So we we are in a good position to be on track.","start":1172.0901,"end":1175.505,"sentiment":"positive","sentiment_score":0.6457262262701988},{"text":"I've been trained on 400 thousand at the moment.","start":1177.105,"end":1180.165,"sentiment":"positive","sentiment_score":0.38459758626090157},{"text":"Yep.","start":1190.545,"end":1190.79,"sentiment":"neutral","sentiment_score":0.20201872289180756},{"text":"But yeah.","start":1202.23,"end":1203.2101,"sentiment":"neutral","sentiment_score":-0.12767446413636208}],"sentiment":"positive","sentiment_score":0.46275485783815384,"num_words":25,"start":1171.85,"end":1203.2101},{"sentences":[{"text":"Yeah.","start":1205.27,"end":1205.51,"sentiment":"neutral","sentiment_score":-0.07844667136669159},{"text":"I know.","start":1205.51,"end":1206.105,"sentiment":"neutral","sentiment_score":-0.05954771116375923},{"text":"That's why I was hoping because I've got sorry?","start":1207.465,"end":1214.125,"sentiment":"neutral","sentiment_score":-0.09650943593846427},{"text":"I'm just gonna say the actual mortgage, if I can't put any more in it than what I'm putting in there at the moment, because I'm already paying more than I I need to.","start":1217.145,"end":1228.06,"sentiment":"neutral","sentiment_score":-0.2120254925068687},{"text":"I've got twelve years left.","start":1228.2001,"end":1229.9801,"sentiment":"neutral","sentiment_score":-0.14631469547748566}],"sentiment":"neutral","sentiment_score":-0.17659935764237947,"num_words":51,"start":1205.27,"end":1229.9801},{"sentences":[{"text":"So that's so that's how much is left from the contract.","start":1231.0,"end":1235.7549,"sentiment":"neutral","sentiment_score":-0.06950947371396152},{"text":"So I'm that's why I'm thinking maybe I worked until I'm 67.","start":1235.975,"end":1241.9149,"sentiment":"neutral","sentiment_score":-0.047842999609808125},{"text":"There you go, the 60.","start":1242.375,"end":1243.595,"sentiment":"neutral","sentiment_score":-0.008435512147843837},{"text":"And I'll have the mortgage paid off maybe a couple of years sooner.","start":1244.455,"end":1251.5599,"sentiment":"neutral","sentiment_score":0.015734342141793325},{"text":"Yeah.","start":1253.22,"end":1253.72,"sentiment":"neutral","sentiment_score":0.010968174785375597}],"sentiment":"neutral","sentiment_score":-0.027747217720995348,"num_words":42,"start":1231.0,"end":1253.72},{"sentences":[{"text":"And then I don't have to dig into my super to pay off the mortgage.","start":1254.9,"end":1261.24,"sentiment":"neutral","sentiment_score":-0.02525295242667198},{"text":"Yeah.","start":1309.35,"end":1309.6699,"sentiment":"neutral","sentiment_score":0.11378855258226396},{"text":"Righto.","start":1309.6699,"end":1310.1699,"sentiment":"neutral","sentiment_score":0.16730043292045593},{"text":"Okay.","start":1311.4049,"end":1311.725,"sentiment":"neutral","sentiment_score":0.20226609706878665},{"text":"That sounds good.","start":1311.725,"end":1312.705,"sentiment":"neutral","sentiment_score":0.325568566719691}],"sentiment":"neutral","sentiment_score":0.05148888077764284,"num_words":21,"start":1254.9,"end":1312.705},{"sentences":[{"text":"Mhmm.","start":1313.1649,"end":1313.6649,"sentiment":"neutral","sentiment_score":0.1658923476934433},{"text":"Yep.","start":1322.38,"end":1322.88,"sentiment":"neutral","sentiment_score":0.1566833108663559},{"text":"Okay.","start":1336.7,"end":1337.2,"sentiment":"neutral","sentiment_score":0.07933865487575531},{"text":"And is Shane having one of these?","start":1337.795,"end":1339.655,"sentiment":"neutral","sentiment_score":0.043651064059564045},{"text":"He hasn't got his I don't think he's got his appointment yet.","start":1339.715,"end":1343.655,"sentiment":"neutral","sentiment_score":-0.10618730634450912}],"sentiment":"neutral","sentiment_score":-0.02576254155825485,"num_words":22,"start":1313.1649,"end":1343.655},{"sentences":[{"text":"Because he's probably been need to look at all this too because he he wants to retire in two and a half years.","start":1344.035,"end":1349.46,"sentiment":"neutral","sentiment_score":-0.06726186196117298},{"text":"Oh, well, three.","start":1353.7,"end":1354.6,"sentiment":"neutral","sentiment_score":-0.036026518791913986},{"text":"He's 57.","start":1355.0599,"end":1356.1799,"sentiment":"neutral","sentiment_score":-0.061263782903552055},{"text":"So he want he's not working a day past sixty, apparently.","start":1356.1799,"end":1360.44,"sentiment":"neutral","sentiment_score":-0.12648668343370612},{"text":"He's he he works in retail.","start":1363.7051,"end":1366.025,"sentiment":"neutral","sentiment_score":-0.08297528636952241}],"sentiment":"neutral","sentiment_score":-0.08148522629506058,"num_words":45,"start":1344.035,"end":1366.025},{"sentences":[{"text":"He is he works on his own.","start":1366.025,"end":1367.545,"sentiment":"neutral","sentiment_score":-0.11091145553759166},{"text":"He's working his ass off, and he's getting worn out.","start":1367.545,"end":1370.025,"sentiment":"neutral","sentiment_score":-0.3032946676015854},{"text":"He's getting too old.","start":1370.025,"end":1371.245,"sentiment":"neutral","sentiment_score":-0.2972800210118294},{"text":"So yeah.","start":1371.545,"end":1373.245,"sentiment":"neutral","sentiment_score":-0.00812533125281334},{"text":"So he's the one that's gonna wanna retire dead on 60.","start":1373.305,"end":1376.185,"sentiment":"neutral","sentiment_score":-0.06765688955783844}],"sentiment":"neutral","sentiment_score":-0.16938009989612243,"num_words":34,"start":1366.025,"end":1376.185},{"sentences":[{"text":"I can probably go a bit longer.","start":1376.185,"end":1377.9651,"sentiment":"neutral","sentiment_score":-0.09425391842211996},{"text":"Oh, okay.","start":1391.0,"end":1391.685,"sentiment":"neutral","sentiment_score":0.23523299396038055},{"text":"Righto.","start":1412.82,"end":1413.32,"sentiment":"neutral","sentiment_score":0.2301125526428223},{"text":"Yeah.","start":1415.86,"end":1416.255,"sentiment":"positive","sentiment_score":0.33571451902389526},{"text":"Yeah.","start":1433.79,"end":1434.11,"sentiment":"neutral","sentiment_score":0.12346994876861572}],"sentiment":"neutral","sentiment_score":0.04166546495010456,"num_words":12,"start":1376.185,"end":1434.11},{"sentences":[{"text":"Righto.","start":1434.11,"end":1434.61,"sentiment":"neutral","sentiment_score":0.15101265907287598},{"text":"And in the meantime, I'm gonna win the lotto and pay the mortgage off, so we'll be fine.","start":1436.67,"end":1441.89,"sentiment":"neutral","sentiment_score":0.23296985319919056},{"text":"Depends how much it is.","start":1447.675,"end":1448.635,"sentiment":"neutral","sentiment_score":-0.03689550273120403},{"text":"I might even give you a tip.","start":1448.635,"end":1450.255,"sentiment":"neutral","sentiment_score":0.028060840176684514},{"text":"Yes.","start":1465.66,"end":1466.16,"sentiment":"neutral","sentiment_score":0.05306296423077583}],"sentiment":"neutral","sentiment_score":0.13779629213968292,"num_words":32,"start":1434.11,"end":1466.16},{"sentences":[{"text":"Yeah.","start":1488.1901,"end":1488.43,"sentiment":"neutral","sentiment_score":0.010926026850938795},{"text":"We did do, like, an online one.","start":1488.43,"end":1491.4901,"sentiment":"neutral","sentiment_score":0.005995776770370347},{"text":"Would have been probably that how long ago?","start":1492.51,"end":1494.8301,"sentiment":"neutral","sentiment_score":-0.02343906182795763},{"text":"2020.","start":1494.8301,"end":1495.89,"sentiment":"neutral","sentiment_score":-0.005401412956416607},{"text":"Yeah.","start":1499.55,"end":1500.05,"sentiment":"neutral","sentiment_score":0.009277258068323135}],"sentiment":"neutral","sentiment_score":-0.0072633436260124045,"num_words":18,"start":1488.1901,"end":1500.05},{"sentences":[{"text":"I don't even remember who we did that through.","start":1501.4701,"end":1513.115,"sentiment":"neutral","sentiment_score":-0.032210372388362885},{"text":"No.","start":1520.89,"end":1521.39,"sentiment":"negative","sentiment_score":-0.4442315101623535},{"text":"Yeah.","start":1523.37,"end":1523.77,"sentiment":"neutral","sentiment_score":-0.16225366294384003},{"text":"No.","start":1523.77,"end":1523.9299,"sentiment":"negative","sentiment_score":-0.357330858707428},{"text":"We haven't we haven't gone that down that road yet.","start":1523.9299,"end":1527.07,"sentiment":"negative","sentiment_score":-0.39496636390686035}],"sentiment":"neutral","sentiment_score":-0.23651695556261323,"num_words":22,"start":1501.4701,"end":1527.07},{"sentences":[{"text":"Oh, okay.","start":1543.545,"end":1544.205,"sentiment":"neutral","sentiment_score":0.07561042904853821},{"text":"Righto.","start":1544.905,"end":1545.405,"sentiment":"neutral","sentiment_score":0.07782687246799469},{"text":"Yeah.","start":1545.59,"end":1545.91,"sentiment":"neutral","sentiment_score":0.06924456357955933},{"text":"Well, it's something that we've we know we're gonna look at, but, you know, because we we're so well now, we haven't really thought about it.","start":1545.91,"end":1553.67,"sentiment":"neutral","sentiment_score":-0.07068266898680192},{"text":"But I guess it's something we're better off to do sooner rather than later in case something does happen.","start":1553.67,"end":1559.45,"sentiment":"neutral","sentiment_score":-0.08919834541647058}],"sentiment":"neutral","sentiment_score":-0.06600460535561552,"num_words":49,"start":1543.545,"end":1559.45},{"sentences":[{"text":"We've got one savings account jointly, and the other account pretty much is in my name.","start":1570.4249,"end":1577.4199,"sentiment":"neutral","sentiment_score":0.002017818100284785},{"text":"You know, like, working account, day to day account, that sort of stuff.","start":1577.96,"end":1581.5599,"sentiment":"neutral","sentiment_score":-0.0031614188964550313},{"text":"Grandkids account, all that sort of stuff.","start":1581.5599,"end":1584.14,"sentiment":"neutral","sentiment_score":-0.0538634503526347},{"text":"Shane hasn't actually got an account on his own.","start":1585.16,"end":1592.1449,"sentiment":"neutral","sentiment_score":-0.23031275222698847},{"text":"Okay.","start":1609.26,"end":1609.6599,"sentiment":"neutral","sentiment_score":0.054337747395038605}],"sentiment":"neutral","sentiment_score":-0.05226814198186216,"num_words":46,"start":1570.4249,"end":1609.6599},{"sentences":[{"text":"Well, we do have a joint account where our savings goes into.","start":1609.6599,"end":1613.925,"sentiment":"neutral","sentiment_score":0.20111350963513056},{"text":"But, yeah, the rest isn't isn't joint.","start":1617.425,"end":1619.925,"sentiment":"neutral","sentiment_score":-0.07293219917586871},{"text":"Because I just transfer money around, you know, like, from one account to another.","start":1620.065,"end":1623.99,"sentiment":"neutral","sentiment_score":-0.12412167234080178},{"text":"But yeah.","start":1625.19,"end":1625.75,"sentiment":"neutral","sentiment_score":0.005888361483812332},{"text":"Okay.","start":1625.75,"end":1626.23,"sentiment":"neutral","sentiment_score":-0.07836776971817017}],"sentiment":"neutral","sentiment_score":0.002737285051908758,"num_words":36,"start":1609.6599,"end":1626.23},{"sentences":[{"text":"So what I that means I would make Shane my power of attorney while he's alive, and then we'd make one of the kids if we're both gone.","start":1626.23,"end":1633.4299,"sentiment":"neutral","sentiment_score":0.05501723542277302},{"text":"Is that how it work?","start":1633.4299,"end":1634.23,"sentiment":"neutral","sentiment_score":0.045424741506576535},{"text":"Or not live, but, I mean, able, you know, able to do our own thing.","start":1634.23,"end":1644.665,"sentiment":"neutral","sentiment_score":0.05372312658776839},{"text":"Yeah.","start":1644.665,"end":1645.165,"sentiment":"neutral","sentiment_score":0.05317937582731247},{"text":"Right there.","start":1659.8,"end":1660.54,"sentiment":"neutral","sentiment_score":0.032300492748618126}],"sentiment":"neutral","sentiment_score":0.05276928548061965,"num_words":51,"start":1626.23,"end":1660.54},{"sentences":[{"text":"Alright.","start":1661.08,"end":1661.56,"sentiment":"neutral","sentiment_score":0.083810955286026},{"text":"We'll look at that.","start":1661.56,"end":1662.465,"sentiment":"neutral","sentiment_score":0.10526083596050739},{"text":"No.","start":1670.465,"end":1670.965,"sentiment":"neutral","sentiment_score":-0.10201016813516615},{"text":"No.","start":1671.345,"end":1671.585,"sentiment":"neutral","sentiment_score":-0.1058690994977951},{"text":"I think we're all good.","start":1671.585,"end":1672.725,"sentiment":"neutral","sentiment_score":0.21445971727371216}],"sentiment":"neutral","sentiment_score":0.11410613482197125,"num_words":12,"start":1661.08,"end":1672.725},{"sentences":[{"text":"Yep.","start":1721.0249,"end":1721.505,"sentiment":"positive","sentiment_score":0.3703912496566773},{"text":"That sounds good.","start":1721.505,"end":1722.565,"sentiment":"positive","sentiment_score":0.705286979675293},{"text":"Awesome.","start":1736.64,"end":1737.14,"sentiment":"positive","sentiment_score":0.7548912763595581},{"text":"Thanks very much.","start":1737.44,"end":1738.605,"sentiment":"positive","sentiment_score":0.814269224802653},{"text":"It's exciting.","start":1739.165,"end":1739.965,"sentiment":"positive","sentiment_score":0.7337518334388733}],"sentiment":"positive","sentiment_score":0.7151454806327819,"num_words":10,"start":1721.0249,"end":1739.965},{"sentences":[{"text":"Retirement's getting a bit closer, but it's not close enough for our liking.","start":1739.965,"end":1744.625,"sentiment":"neutral","sentiment_score":-0.16423119547275397},{"text":"Yes.","start":1756.7,"end":1757.2,"sentiment":"neutral","sentiment_score":0.14296381175518036},{"text":"We think that all the time these days.","start":1758.14,"end":1760.14,"sentiment":"neutral","sentiment_score":0.1417051898315549},{"text":"Shane more so because he's closer than me.","start":1760.14,"end":1762.88,"sentiment":"neutral","sentiment_score":0.08412468247115612},{"text":"Because I've got a caravan, we just wanna travel.","start":1763.9249,"end":1766.485,"sentiment":"neutral","sentiment_score":0.017312741114033595}],"sentiment":"neutral","sentiment_score":-0.0007586687421187377,"num_words":39,"start":1739.965,"end":1766.485},{"sentences":[{"text":"We go away for a month every year.","start":1766.485,"end":1768.4249,"sentiment":"neutral","sentiment_score":0.006871318444609642},{"text":"Financially, obviously, that's what's stopping us doing it now was we would be retired now if we could.","start":1769.125,"end":1775.22,"sentiment":"neutral","sentiment_score":-0.06776004957242145},{"text":"So, yeah, definitely some it's something we never thought about probably twenty years ago.","start":1777.14,"end":1782.76,"sentiment":"neutral","sentiment_score":-0.014105330487447125},{"text":"But as we're getting closer and we see a super growing, we think about it more and more.","start":1782.82,"end":1789.175,"sentiment":"neutral","sentiment_score":0.11184430888129605},{"text":"And then we start to worry, are we gonna have enough?","start":1789.175,"end":1791.655,"sentiment":"neutral","sentiment_score":-0.03494339842687954}],"sentiment":"neutral","sentiment_score":0.003864278341980948,"num_words":69,"start":1766.485,"end":1791.655},{"sentences":[{"text":"Are we gonna be able to retire?","start":1791.655,"end":1793.095,"sentiment":"neutral","sentiment_score":-0.018703218017305647},{"text":"I'm gonna be those people who gotta work to 80.","start":1793.095,"end":1795.275,"sentiment":"neutral","sentiment_score":0.012485533580183983},{"text":"Yeah.","start":1797.015,"end":1797.335,"sentiment":"neutral","sentiment_score":0.03692401945590973},{"text":"That's that's sort of things.","start":1797.335,"end":1798.9551,"sentiment":"neutral","sentiment_score":0.033238339424133304},{"text":"Oh, perfect.","start":1827.045,"end":1828.04,"sentiment":"positive","sentiment_score":0.38265199959278107}],"sentiment":"neutral","sentiment_score":0.03849410101771355,"num_words":25,"start":1791.655,"end":1828.04},{"sentences":[{"text":"That's yeah.","start":1828.26,"end":1829.7001,"sentiment":"positive","sentiment_score":0.3492085188627243},{"text":"That's nice to hear.","start":1829.7001,"end":1831.0,"sentiment":"positive","sentiment_score":0.5809194445610046},{"text":"Because I mean, it's okay for me to think it, but for someone, like, in your position to tell me that, I think, okay.","start":1831.62,"end":1836.5801,"sentiment":"neutral","sentiment_score":0.2677020362267892},{"text":"Well, we are still going on the right track then.","start":1836.5801,"end":1839.0,"sentiment":"positive","sentiment_score":0.4809850096702576},{"text":"Yeah.","start":1846.9349,"end":1847.4349,"sentiment":"neutral","sentiment_score":0.22656427323818207}],"sentiment":"positive","sentiment_score":0.35325263549641867,"num_words":41,"start":1828.26,"end":1847.4349},{"sentences":[{"text":"Yeah.","start":1874.4451,"end":1874.9451,"sentiment":"neutral","sentiment_score":0.1332857608795166},{"text":"Actually, that is one of our bucket list.","start":1875.3251,"end":1877.405,"sentiment":"neutral","sentiment_score":0.20763803459703922},{"text":"Go to Europe and Las Vegas.","start":1877.405,"end":1879.485,"sentiment":"neutral","sentiment_score":0.2383154183626175},{"text":"That's two places we wanna go.","start":1879.485,"end":1881.42,"sentiment":"neutral","sentiment_score":0.26981351027886075},{"text":"Not necessarily in the first six months of retirement, but at some point before we get too old.","start":1882.38,"end":1888.0801,"sentiment":"neutral","sentiment_score":0.020733300803436175}],"sentiment":"neutral","sentiment_score":0.13375289805042437,"num_words":39,"start":1874.4451,"end":1888.0801},{"sentences":[{"text":"Awesome.","start":1905.4749,"end":1905.7948,"sentiment":"positive","sentiment_score":0.725509524345398},{"text":"Thanks very much, Tom.","start":1905.7948,"end":1907.3348,"sentiment":"positive","sentiment_score":0.8105200529098511},{"text":"Okay.","start":1910.8348,"end":1911.3348,"sentiment":"positive","sentiment_score":0.3697851300239563},{"text":"See you.","start":1911.4749,"end":1912.2148,"sentiment":"positive","sentiment_score":0.4579702317714691},{"text":"Bye.","start":1912.2748,"end":1912.7748,"sentiment":"positive","sentiment_score":0.3446575999259949}],"sentiment":"positive","sentiment_score":0.6219969921641879,"num_words":9,"start":1905.4749,"end":1912.7748}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hey, Debbie. It's Tommy here again from OkeView. Is that a little bit better?\n\nChannel 1: Yeah. That's a little bit better. Yep.\n\nChannel 0: Amazing. Amazing. So just to let you know that this call is recorded same as the last. Is that alright?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Perfect. So a couple of main things I wanted to do today. So we've got some information here, and I've been tracking your your old retirement goal that you had with us when you first started with Oakview.\n\nChannel 1: Mhmm.\n\nChannel 0: And I had you wanting to have around about 500,000 in the super and possibly retiring early towards the age of 60. Does that sound about right?\n\nChannel 1: Yeah.\n\nChannel 0: Cool. So I've been looking at some updated projections just to make sure that you're on track for that, and you you came very, very close to it. There's a couple little things that I need to do to make sure we can get you there.\n\nChannel 1: Mhmm.\n\nChannel 0: And then you've had some changes to the old QSuper account. I don't know if you guys talk at work about what happens when you turn 55 with those ones.\n\nChannel 1: Yeah. That's all been done. So\n\nChannel 0: Okay.\n\nChannel 1: that's been\n\nChannel 0: So\n\nChannel 1: transferred over. That that was the the defined benefit, retired benefit or something, and that finished when I turned 55,\n\nChannel 0: Yep.\n\nChannel 1: which is beginning of this year. And we transferred it over to the accumulation fund, and I\n\nChannel 0: Yep.\n\nChannel 1: took out 9,000. I think I ended up selling when you take all the tax net out. So leave 16\n\nChannel 0: Yeah.\n\nChannel 1: thousand leave 16,000 left in there now.\n\nChannel 0: Oh, perfect. Okay. So you already did the nomination. You got\n\nChannel 1: Yep.\n\nChannel 0: the so I'm just having a look at the split there. So the amount kept deferred retirement benefit, that was $9.5. You would have taken that out, got a little bit of tax, and then the other 14 just straight across into the accumulation account.\n\nChannel 1: Yep. So what I need to do but I think I gotta ring hub to do that. I need to transfer it over into my hub account.\n\nChannel 0: Yeah. We can sort that out for you. I just wanted to double check in terms of they still seem to have a little bit of insurances attached to it, a bit of life and disability cover.\n\nChannel 1: Oh, yeah.\n\nChannel 0: And I'm just wondering, do you want me to just, like, keep that running for a little while longer, or do you wanna close it? It's about 45,000 worth of life insurance and disability insurance.\n\nChannel 1: So it's about to keep it. I can't transfer it. Is\n\nChannel 0: We\n\nChannel 1: that\n\nChannel 0: can\n\nChannel 1: right?\n\nChannel 0: transfer the bulk of it over. We normally just keep a minimum just to make sure insurances and other benefits aren't lost. Like, I can do a movement of most of it if you'd wanna go that way. But if we close it, they'll they'll delete the insurances. That's all.\n\nChannel 1: Yeah. Well, I don't have any insurances on the hub one, so it probably wouldn't hurt to have a bit of insurance on that one.\n\nChannel 0: Yeah. And I don't honestly, I don't think we'd be able to get too much on there. I can do a bit of a quote up because you've got a pretty a pretty office based role. Senior payroll officer for UGL.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So do you want me to see if I can get maybe just take a little bit of, like, life insurance through the hub in order to get that across?\n\nChannel 1: Yeah. I just don't wanna pay a fortune. That's that's why I've I've got rid of it all. Because I had it all, and then I asked for it all to be taken out because I felt like I was spending more money in fees. And and I have I might I am only five years off retirement, so I'm hoping I'm not gonna need insurance.\n\nSo it's just nice to have that little bit of a buffer in case something does go wrong.\n\nChannel 0: That's exactly one thing because I'm trying to get through somebody else. I reckon we'd be starting to creep up into the thousand, $2,000 mark. And it's just gonna eat away at the super. So I'd be more inclined to keep that QSuper going just for a little while because it's it's like $2 a week for the the life insurance. It's pretty cheap.\n\nChannel 1: Righto. So just keep that going. So then if something does happen, I can at least claim that life insurance through that. Hey.\n\nChannel 0: Yeah. And then when\n\nChannel 1: Yeah.\n\nChannel 0: you hit 60, we can close it all and put it into the pension account when you no longer need it.\n\nChannel 1: Righto. Okay. That sounds good. Let's we'll do\n\nChannel 0: Cool.\n\nChannel 1: I'll just leave it as it is.\n\nChannel 0: And you've got your contributions going in there, so I can I can move a bunch across into the good portfolio because I know QSuper's had a bit of a wild ride in terms of returns? Don't know if you guys talk at work much, but the 4.9% for five years has been extremely low. They used to be the best or top three.\n\nChannel 1: Well, yeah, I've never found them good, which is why I come over went over to Hub.\n\nChannel 0: Yeah. So what I'm gonna do is I'll see how much we have to keep in there to keep it open because the contributions keeps it active. And then usually the minimum 6,000, maybe maximum of 10 that we need to keep. Anything else I can kind of move across and then wait till 60 for the rest.\n\nChannel 1: What contributions going in there?\n\nChannel 0: I did have you actually, they may actually be going into\n\nChannel 1: Yeah.\n\nChannel 0: the other account. Sorry.\n\nChannel 1: I'm sorry. I shouldn't have any money well, I thought I transferred everything over into hub.\n\nChannel 0: No. You are right. Sorry. Your salary sacrifice and everything is going into hub. It's just the the remaining balance in q super at the moment.\n\nYou are right. Sorry about that.\n\nChannel 1: That's alright.\n\nChannel 0: So that's all going in there at the moment. So I'll double check the old opt in to see if we need to do anything. Have you opted into that cover before online or over any forms to make sure it doesn't\n\nChannel 1: No. I don't really know what you just asked, but I've done nothing with the super account. Is that what you mean? The q\n\nChannel 0: disappear?\n\nChannel 1: super?\n\nChannel 0: Yeah. There's usually like something called an opt in button where you you hit a button and it says, oh, you're opting in to make sure we don't close your insurances prematurely. It's just basically just like a notice to them, really.\n\nChannel 1: Oh, no. I've never done that. Never didn't even yeah. I don't\n\nChannel 0: Cool.\n\nChannel 1: even I haven't\n\nChannel 0: What I\n\nChannel 1: even\n\nChannel 0: might\n\nChannel 1: been\n\nChannel 0: do\n\nChannel 1: online with them.\n\nChannel 0: oh, fair enough. I'm gonna dive in. I'll get in touch with them and see what the easiest way is to do that. And then what I'm thinking is we just opt into that, keep the minimum that we need to, and that way the insurances are there for the next five years, and then everything can just roll into the hub, and that's all good.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Cool. And then what I mentioned about the the retirement goal sort of thing is you're getting close to 300,000 in the hub. You've got\n\nChannel 1: Yep.\n\nChannel 0: that bit of money in the queue server as well. So to get it from the three to the five, this is honestly the crunch period where you get your last good returns, but then you also don't wanna risk it all because you don't wanna be sitting there at 59, stock market crashes for the global financial crisis again or COVID, and then you lose 200,000. So I need to be very, very careful in the risk level just to make\n\nChannel 1: Mhmm.\n\nChannel 0: sure I can get you up to the 500. And then that way, when you hit sixty sixty one, you can pretty much just hang up the boots.\n\nChannel 1: Right.\n\nChannel 0: So let me have a quick look at the investment here. So you're in a growth portfolio. That's probably the part that's a little bit of a concern because normally you wanna have seven or eight years left to be at a growth because it's kinda like a four out of five on the risk scale. And I'm thinking maybe we drop it down a peg to, like, a three or so or a three and a half just to still keep it growing, but just make sure we're not risking too much in case something explodes in the next\n\nChannel 1: Yep. Right.\n\nChannel 0: couple of years. K. So I'm gonna do some updated projections. I'll do the opt in for the q super. I'll see what we can move between the accounts, and then I'll see if I can just reduce the risk level just down a peg and still keep you on track for that goal.\n\nChannel 1: Righto. Sounds good.\n\nChannel 0: At the same time, I'll do an engine tune up. There's a couple of options I wanna switch out in there, so I'll get the portfolio updated for you. I think just from what I can see you're invested in, there's one or two there that I think I can get the fees a little bit lower as well. And I think if we go for some lower fee options, that will help boost it up as well.\n\nChannel 1: Yep.\n\nChannel 0: Does that sound okay?\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: Cool. So I'll put that research together over the next couple of weeks, update some projections for you, and then I'm gonna get Michelle to book us in, and we'll just run through that, make sure you're happy before I touch anything, and answer any questions you've got.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Now last couple of things I wanted to touch on with you before I let you go is just in terms of any other main, like, cash flow priorities for you, because you're obviously doing the salary sacrifice. There was\n\nChannel 1: Yeah.\n\nChannel 0: mentions of holidays and things like that. What's your your focus for the next couple of years with your savings?\n\nChannel 1: What do you\n\nChannel 0: So is there, like, a set amount that you're putting aside, and do you have anything that you need?\n\nChannel 1: mean?\n\nChannel 0: You know, you're obviously finishing off the mortgage, Any debts and things like that, you're just trying to prioritize?\n\nChannel 1: Yeah. I'm just trying to get the the mortgage down and my car paid off and that sort of stuff over the next few years.\n\nChannel 0: Yeah. Because I've got you there with the there's a caravan, a boat, a few cars, and the home. And I'm sort of thinking, are you still okay to do that salary sacrifice and then focus the rest on the mortgage and the car loans?\n\nChannel 1: Yes.\n\nChannel 0: Cool. Alright. So I just wanted to update the cash flow projections. When I had a look at your contributions, it seemed like maybe your income had bumped up a little bit. I'm not\n\nChannel 1: Yes.\n\nChannel 0: sure if you've done your tax return for the year, but are you sitting in around a 105,000 now, or is it still back towards the 90 mark?\n\nChannel 1: Nah. I think it's a 105 now.\n\nChannel 0: Yep. Perfect. That's what I worked back on the contribution, so that makes sense to me. We've got you on some partner fee discounts with us. We've Shane 1.1% with the partner fee.\n\nJust to let you know that we do have, at Oakview, some tiered fees coming along next year. So for everybody above 200,000, there's some discounts. And above 500,000, we do provide some further discounts as\n\nChannel 1: Oh, awesome.\n\nChannel 0: well. But we have had to increase the the lower fee next year just because we haven't touched it for five years. And, obviously, the electricity has gone up, and the taxes have gone up and everything's gone up. So when we come to the review next year, I'll make sure I've got an updated calculation for you just to factor in the discounts and everything and make sure you know what we'd be charging then as well. Make sure you're still happy with it.\n\nChannel 1: Right. Yeah.\n\nChannel 0: Cool. Last couple of details. I've got the income. Just in terms of the mortgage, it was at $2.20 at the time. Do you know what it's sitting\n\nChannel 1: Yep.\n\nChannel 0: out at the moment?\n\nChannel 1: Yeah. It's still a bit the same.\n\nChannel 0: Still about the same. And and what about the the valuation? I'm not sure how often you would check the value of it these days.\n\nChannel 1: Well, we actually just got an appraised not too long ago because we've been thinking about selling it and moving to her. So, her son's about buying a block, but that may not happen yet. But, yeah. So the house is based around 800 at the moment.\n\nChannel 0: Okay. Amazing. And potentially over the next couple of years might sell that often. So what just kind of, like, jump on a block with with your son and and build, like, what, a couple of dwellings on there or sharing in in the same house? Or\n\nChannel 1: Well, the idea is he's looking to buy an eight a 100 acres.\n\nChannel 0: oh,\n\nChannel 1: And\n\nChannel 0: yeah.\n\nChannel 1: the idea is the he's actually looking at a property, but probably won't become available till next year. But, you know, it may not happen yet. But the idea is is we sell this and we build our dwelling on his block, like, a tiny house or a shelf or something like that. So\n\nChannel 0: Yeah.\n\nChannel 1: that's ideally what we wanna do because then that'll get us debt free quicker and\n\nChannel 0: Yeah.\n\nChannel 1: money in the bank quicker. And while I'm still working and not paying any bills, it'll help boost my super as well. So that's that's what we want to do. We just gotta see if we can make it happen.\n\nChannel 0: That's amazing because that's becoming more and more common these days. I'm seeing the sort of multi generations linking in together, and we're starting to do a lot more estate planning advice where we're talking to people, their children, their grandchildren about those arrangements, how to put them in on paper, and just trying to make sure everyone's looked after. Sometimes we jump into aged care conversations as well. So if anything happens next year, please feel free to give us a buzz, and I'd be more than happy to kind of walk through some updated plans, any kind of ideas, and a few pros and cons as well. But it does sound like a great idea.\n\nChannel 1: Yeah. It's a good idea, but whether we can make it happen or not, it's a different thing.\n\nChannel 0: Yeah. Yep. Just gotta sort of go through the motions and see what happens or not.\n\nChannel 1: Also, while I'm talking to you, just a question. If I decided\n\nChannel 0: Yeah.\n\nChannel 1: I wanted to stay working a bit longer than sixty, because of the job I've got,\n\nChannel 0: Mhmm.\n\nChannel 1: it'd be easy for me to be able to work a bit over. Would it be worth me doing that? Would I make enough extra money in my super if I work an extra five years?\n\nChannel 0: Yeah. It's actually one of the best strategies anyone can ever do. It's something called a a transition to retirement, a TTR. Basically, what we can do is if you're still working, we can either do two things. Do a recontribution where you pull some money out of your super and put it back in again for, like, a tax deduction and boost it up that way with the tax differences.\n\nOr if you wanna go part time, you can pull out just a small amount to top you up from your super, and we can set up a bit of a pension account for you.\n\nChannel 1: Righto. So what if could I do if we still because we'll still owe money on the mortgage. Could I could I use some of my super to pay out the mortgage and keep doing that? Or do I have to actually retire to be able to take a lump sum out of my super?\n\nChannel 0: Yeah. So when you hit 60, you can access up to 10%, and that can be in any way you wish. It can be monthly payments. It can be a one off lump sum. If you really wanted to, you could hit 60 and, you know, June comes, you pull out 10%, and then July of the new financial year, you pull out another 10%.\n\nSo there's different ways of doing it, and it really depends on what happens with health and work over the next five years, what happens with the property, the mortgage, and that idea you were telling me. And then once you\n\nChannel 1: Nice.\n\nChannel 0: do hit 59, we do pre retirement planning with you guys, and we'll work out where's best to move all the money around when you hit 60 and what type of accounts we need to set up.\n\nChannel 1: Okay. Righto. So Shane turns\n\nChannel 0: Is\n\nChannel 1: kinda\n\nChannel 0: that okay?\n\nChannel 1: he turned 60 two years before me. So\n\nChannel 0: Yep.\n\nChannel 1: is there a super always gonna stay separate or does it get combined? Or how does that work once you get to retirement age?\n\nChannel 0: So once you get there, it still says separate, and then it just turns into so when you know how they say you're an you're an accumulation account with QSuper?\n\nChannel 1: Yeah.\n\nChannel 0: That's when all your money is locked away and preserved. And then when you hit a condition of release, like hitting 60, fully retiring, and so on, you can then actually move the money from an accumulation account into one of two pension accounts. One is the transition one if you're still working, which is up to 10% can come out, or there's a full account based pension where you're fully retired and you've got access to the whole lot.\n\nChannel 1: Righto. But you can never there's never a time where you can take a lump sum out of your super if you're fully\n\nChannel 0: Pre\n\nChannel 1: retired.\n\nChannel 0: retirement, 10%. If you're fully retired, you hit 60, you can pull out the whole lot. 10%\n\nChannel 1: Okay.\n\nChannel 0: is the max we can do as a lump sum, as a one off, unless there's you know, if you hit TPD where you're disabled, then you'll get the insurance and the super then.\n\nChannel 1: Yep. Righty. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Sorry.\n\nChannel 0: So\n\nChannel 1: I'm just\n\nChannel 0: a\n\nChannel 1: trying\n\nChannel 0: few ideas.\n\nChannel 1: to think of\n\nChannel 0: Don't\n\nChannel 1: all\n\nChannel 0: need\n\nChannel 1: of my\n\nChannel 0: to plan\n\nChannel 1: options.\n\nChannel 0: it all now, but\n\nChannel 1: Yeah.\n\nChannel 0: yeah. And that's what we do. So at the moment, the main thing is I wanna just kind of fix up the q super and the hub portfolio a little bit, reduce the risk down, sort of a few things out there. And then as you get closer and closer and your life changes, just let me know, and I'll adjust things and go through those options with you each year.\n\nChannel 1: Righty. And does 500,000 each sound a reasonable amount to retire on?\n\nChannel 0: Yeah. Great question. So have you ever looked up the government retirement standard before?\n\nChannel 1: No.\n\nChannel 0: So it's just a bit of an estimate from ASFA, ASFA, and they basically say that, you know, for a comfortable lifestyle, you you wanna have as a couple around $78,000 a year worth of income coming out as a bit of a benchmark.\n\nChannel 1: Mhmm.\n\nChannel 0: Now to produce 78,000, you basically need one of two figures. If you had $780,000 between you, you could pull out 10% of that balance, and it would still last around about twenty, twenty five years until you hit your nineties. So you need a minimum of $7.80 combined to hit that amount. Now if you doubled it just for for argument's sake and you had 1,500,000 just just for argument's sake, you could pull out that $78,000 a year, and it would never go down. You would kind of earn 5%, pull out 5%, and you would always have $1,500,000 sitting there.\n\nSo the range is from $7.80 to 1.5, anywhere in between, and you're on track.\n\nChannel 1: Right. So we we are in a good position to be on track. I've been trained\n\nChannel 0: I can\n\nChannel 1: on\n\nChannel 0: definitely\n\nChannel 1: 400\n\nChannel 0: get yours\n\nChannel 1: thousand\n\nChannel 0: to\n\nChannel 1: at\n\nChannel 0: the\n\nChannel 1: the moment.\n\nChannel 0: let me have a quick look. I can definitely get yours towards that 500 mark, like I was saying, by 60. And then if you worked an extra couple years, that would help as well.\n\nChannel 1: Yep.\n\nChannel 0: And if Shane's on about 400,000, then, yeah, trying to get that the last 100 or 2 on a pretty good track. The only main issue you've got is still having the mortgage there.\n\nChannel 1: But yeah. Yeah. I know. That's why I was hoping\n\nChannel 0: But it's\n\nChannel 1: because\n\nChannel 0: not\n\nChannel 1: I've got sorry?\n\nChannel 0: sorry. Debbie, go for it.\n\nChannel 1: I'm just gonna say the actual mortgage, if I can't put any more in it than what I'm putting in there at the moment, because I'm already paying more than I I need to. I've got twelve years left. So that's\n\nChannel 0: Gotcha.\n\nChannel 1: so that's how much is left from the contract. So I'm that's why I'm thinking maybe I worked until I'm 67. There you go, the 60. And I'll have the mortgage paid off\n\nChannel 0: Yeah.\n\nChannel 1: maybe\n\nChannel 0: So\n\nChannel 1: a\n\nChannel 0: that's\n\nChannel 1: couple\n\nChannel 0: a bit of\n\nChannel 1: of years\n\nChannel 0: a\n\nChannel 1: sooner.\n\nChannel 0: worst case scenario.\n\nChannel 1: Yeah. And then I don't have to\n\nChannel 0: Well\n\nChannel 1: dig into my super to pay off the mortgage.\n\nChannel 0: yeah. But worst case scenario, like, unless you're wanting to be quite extravagant with the retirement lifestyle, let's say you hit 63. You could pull out the last $100,000, pay off the mortgage, still have enough for a comfortable amount for a lot of years. And even as the surplus slowly goes down, the age pension will top you up towards the end as well, and that'll keep you going too. So it's not like you have to go to age 67.\n\nI definitely think you guys will retire somewhere between 60 and 67. But when we get there, we can move money around where we need to. Like, you don't have to go the full twelve years. We can stop a few years early, pay off a little bit with the soup, and you should still have enough.\n\nChannel 1: Yeah. Righto. Okay. That sounds\n\nChannel 0: Okay.\n\nChannel 1: good. Mhmm.\n\nChannel 0: Cool. So these reviews will become a bit more important every year as those options come. Our main job at the moment is just still try and get as much growth\n\nChannel 1: Yep.\n\nChannel 0: as possible without taking on too much risk. And then when it gets closer, we start moving things, changing accounts, and then we can finish off that retirement planning with you guys.\n\nChannel 1: Okay. And is Shane having one\n\nChannel 0: Cool.\n\nChannel 1: of these? He hasn't got his I don't think he's got his appointment yet. Because he's probably been need\n\nChannel 0: Let\n\nChannel 1: to look\n\nChannel 0: me\n\nChannel 1: at all\n\nChannel 0: have\n\nChannel 1: this too\n\nChannel 0: a quick\n\nChannel 1: because he\n\nChannel 0: look.\n\nChannel 1: he wants to retire in two and a half years.\n\nChannel 0: Two and a half years. Alrighty. Got a\n\nChannel 1: Oh,\n\nChannel 0: bit\n\nChannel 1: well, three. He's 57. So he want he's not working\n\nChannel 0: of\n\nChannel 1: a day past sixty, apparently.\n\nChannel 0: a no.\n\nChannel 1: He's\n\nChannel 0: That's okay.\n\nChannel 1: he he works in retail. He is he works on his own. He's working his ass off, and he's getting worn out. He's getting too old. So yeah.\n\nSo he's the one that's gonna wanna retire dead on 60. I can probably go a bit longer.\n\nChannel 0: Yeah. So I think he's actually coming up now. I can see that he had a bit of a date there on our system for the September 26. So\n\nChannel 1: Oh,\n\nChannel 0: what\n\nChannel 1: okay.\n\nChannel 0: I'm gonna do is I'll get the team to reach out soon to get him booked in. And then look. Staggered retirement's fine too. If there's a couple of years difference where he goes, look, I'll stop at 60 and you go through to 63 for those five years difference, that shouldn't cause too much trouble. We can work with that.\n\nChannel 1: Righto.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: definitely worth having that conversation with him, make sure everything's on track well, And then possibly next year or the year after, we should probably have both of you guys on the same call just to have a bit of a joint chat, make sure we're we're pretty serious about what when we change the major changes.\n\nChannel 1: Yeah. Righto.\n\nChannel 0: That sound\n\nChannel 1: And in\n\nChannel 0: okay?\n\nChannel 1: the meantime, I'm gonna win the lotto and pay the mortgage off, so we'll be fine.\n\nChannel 0: Easy done. Let us know, and I'll take it off the system there.\n\nChannel 1: Depends how much it is. I might even give you a tip.\n\nChannel 0: No. You've done enough for us. Thank you for that, Debbie. What I would like to just quickly touch on, Shane, we've got listed as the beneficiary for your super for the estate planning.\n\nChannel 1: Yes.\n\nChannel 0: But I had a note here, and please forgive me if this is out of date just because system removed everything across. Says that you had a company online will that you may have put in place in 2021 that you were possibly needing to update just in terms of wills and powers of attorney.\n\nChannel 1: Yeah. We did do, like, an online one. Would have been probably that how long ago? 2020.\n\nChannel 0: 2021. Yeah.\n\nChannel 1: Yeah. I don't even remember who we did that\n\nChannel 0: Hopefully, it's just registered with the government courthouses there, and it's it's findable. I was just gonna\n\nChannel 1: through.\n\nChannel 0: ask if you remember doing anything in terms of putting in place a power of attorney. So, you know, if you're sick, someone can talk to the doctors,\n\nChannel 1: No.\n\nChannel 0: access the bank accounts, and whatnot.\n\nChannel 1: Yeah. No. We haven't we haven't gone that down that road yet.\n\nChannel 0: Yeah. If it helps so I know a lot of people go online or through lawyers to get wills done, but you can get a power of attorney kit from Australia Post that a government approved, like, $25. So if that helps, there's a few options around.\n\nChannel 1: Oh, okay. Righto. Yeah. Well, it's something that we've we know we're gonna look at, but, you know, because we we're so well now, we haven't really thought about it. But I guess it's something we're better off to do sooner rather than later in case something does happen.\n\nChannel 0: Yeah. Do you guys have many sort of split bank accounts under each other's names between different banks, or do you guys tend to kind of bank jointly?\n\nChannel 1: We've got one savings account jointly, and the other account pretty much is in my name. You know, like, working account, day to day account, that sort of stuff. Grandkids account, all that sort of stuff. Shane hasn't actually\n\nChannel 0: Yeah. So\n\nChannel 1: got an\n\nChannel 0: that's\n\nChannel 1: account\n\nChannel 0: the\n\nChannel 1: on\n\nChannel 0: main\n\nChannel 1: his\n\nChannel 0: risk you've got. See, that's the issue is if something happens to you\n\nChannel 1: own.\n\nChannel 0: and you can't act on your own behalf, he would have to go to the court to sue for probate to get access to the accounts, and a power of attorney would kind of skip that process a little bit. So I I do recommend that you guys look into it just because you guys carry that risk a bit more than others.\n\nChannel 1: Okay. Well, we do have a joint account where our savings goes into.\n\nChannel 0: That's good.\n\nChannel 1: But, yeah, the rest isn't isn't joint. Because I just transfer money around, you know, like, from one account to another. But yeah. Okay. So what I that means I would make Shane my power of attorney while he's alive, and then we'd make one of the kids if we're both gone.\n\nIs that how it work? Or not live, but, I mean,\n\nChannel 0: Yeah.\n\nChannel 1: able,\n\nChannel 0: Yeah.\n\nChannel 1: you\n\nChannel 0: Something\n\nChannel 1: know,\n\nChannel 0: like\n\nChannel 1: able\n\nChannel 0: that.\n\nChannel 1: to do our own thing. Yeah.\n\nChannel 0: The only thing I can't recall is if those basic kits, if they how many steps you can go. I think they do one or two. I just can't quite recall, but definitely worth having a look at for the price, definitely.\n\nChannel 1: Right there. Alright. We'll look at that.\n\nChannel 0: Alright, Debbie. Anything any other questions for me at this point?\n\nChannel 1: No. No. I think we're all good.\n\nChannel 0: Cool. What I'll basically do is again, we'll do the risk standardize, fix the following a little bit. I'll see what we'll do with the Q's moving around so the insurances don't disappear. And then I've put in a few notes there about possibly that plan you guys are doing with your son if that comes to fruition next year. If not, we'll kind of have that plan to talk to Shane about when he hits 60, and then afterwards whether you go past 60, whether we pay off the mortgage, do a bit of a transition strategy, and I've put all that in the system so everyone can see kind of the direction that we're looking at together.\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: Amazing. Alright. So leave it with me. I'll dive into a few things, and then I'll talk to you in a few weeks once I've got those updated plans put together for you. And I will get someone to reach out to Shane for his review as well.\n\nChannel 1: Awesome. Thanks very much. It's exciting. Retirement's\n\nChannel 0: No\n\nChannel 1: getting\n\nChannel 0: worries\n\nChannel 1: a\n\nChannel 0: at\n\nChannel 1: bit\n\nChannel 0: all, Dean.\n\nChannel 1: closer, but it's not close enough for our liking.\n\nChannel 0: Actually, can I ask you before you go, how often do you guys think about it, and and is it exciting to think that it's coming close to where you don't have to don't have to go in and clock in?\n\nChannel 1: Yes. We think that all the time these days.\n\nChannel 0: Yeah.\n\nChannel 1: Shane more so because he's closer than me. Because I've got a\n\nChannel 0: Yeah.\n\nChannel 1: caravan, we just wanna travel. We go away for a month every year. Financially, obviously, that's what's stopping us doing it now was we would be retired now if we could.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, definitely some it's something we never thought about probably twenty years ago. But as we're getting closer\n\nChannel 0: Yep.\n\nChannel 1: and we see a super growing, we think about it more and more. And then we start to worry, are we gonna have enough? Are we gonna be able to retire? I'm gonna be\n\nChannel 0: Yeah.\n\nChannel 1: those people who gotta work to 80. Yeah. That's that's sort of things.\n\nChannel 0: Well, to be honest, you guys are doing all the right things to make sure you can, and I'm pretty confident that you'll get there. And, look, we'll do our our bit alongside you to tweak a few things here and there just to get it up there. But I've seen a lot worse positions than you guys, and I think you're in a pretty good spot, you know, despite having the mortgage there. I think you'll still get to the end point and definitely be okay.\n\nChannel 1: Oh, perfect. That's yeah. That's nice to hear. Because I mean, it's okay for me to think it, but for someone, like, in your position to tell me that, I think, okay. Well, we are still going on the right track then.\n\nChannel 0: Yeah. That's the best part of my job is I do have the clients that as they retire, we set them up with a pension\n\nChannel 1: Yeah.\n\nChannel 0: account, and we go, look, here's your monthly payments to live off. And when you want that $10.20 grand to go to Europe, there you go. And then they get to send us a photo from their trip, put it on the office there, and everyone has a bit of a laugh and and a bit of a smile. And then we just have that conversation a few years later. They're probably spending a bit too much.\n\nThey have to go to Europe every six months, maybe just slow down a little bit.\n\nChannel 1: Yeah. Actually, that is one of our bucket list. Go to Europe and Las Vegas. That's two places we wanna go. Not necessarily in the first six months of retirement, but at some point before we get too old.\n\nChannel 0: Perfect. Yeah. No. I think that'd be lovely, and I'll I'll factor that in too. But look, thank you very much for taking the time to chat to us, and and it really helps to be able to just have these quick chats, update a few things, and then we can do our bit.\n\nSo I just wanna say\n\nChannel 1: Awesome. Thanks very\n\nChannel 0: thank\n\nChannel 1: much, Tom.\n\nChannel 0: you. No. Awesome. Good. Talk to you soon.\n\nChannel 1: Okay. See you. Bye.\n\nChannel 0: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.02223929576575756}],"sentiment":"neutral","sentiment_score":0.02223929576575756,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Hey, Debbie.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.06270694732666016},{"text":"It's Tommy here again from OkeView.","start":2.6399999,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.08666899800300598},{"text":"Is that a little bit better?","start":4.3199997,"end":5.54,"sentiment":"neutral","sentiment_score":0.051594422509272896}],"sentiment":"neutral","sentiment_score":0.06821388698049954,"channel":0,"num_words":14,"start":1.92,"end":5.54},{"sentences":[{"text":"Yeah.","start":5.44,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.12961003184318542},{"text":"That's a little bit better.","start":5.7599998,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.18770026564598083},{"text":"Yep.","start":6.8799996,"end":7.3799996,"sentiment":"positive","sentiment_score":0.362248033285141}],"sentiment":"neutral","sentiment_score":0.20433705619403295,"channel":1,"num_words":7,"start":5.44,"end":7.3799996},{"sentences":[{"text":"Amazing.","start":8.0,"end":8.4,"sentiment":"positive","sentiment_score":0.7524949312210083},{"text":"Amazing.","start":8.4,"end":8.8,"sentiment":"positive","sentiment_score":0.7175045609474182},{"text":"So just to let you know that this call is recorded same as the last.","start":8.8,"end":11.44,"sentiment":"neutral","sentiment_score":0.253273809949557},{"text":"Is that alright?","start":11.44,"end":12.259999,"sentiment":"neutral","sentiment_score":0.18127471208572388}],"sentiment":"neutral","sentiment_score":0.29064653888344766,"channel":0,"num_words":20,"start":8.0,"end":12.259999},{"sentences":[{"text":"Yep.","start":12.559999,"end":13.059999,"sentiment":"neutral","sentiment_score":0.22818562388420105}],"sentiment":"neutral","sentiment_score":0.22818562388420105,"channel":1,"num_words":1,"start":12.559999,"end":13.059999},{"sentences":[{"text":"Perfect.","start":13.679999,"end":14.16,"sentiment":"positive","sentiment_score":0.6606528162956238},{"text":"Perfect.","start":14.16,"end":14.639999,"sentiment":"positive","sentiment_score":0.6263700723648071},{"text":"So a couple of main things I wanted to do today.","start":14.639999,"end":17.645,"sentiment":"neutral","sentiment_score":0.23151523823087866},{"text":"So we've got some information here, and I've been tracking your your old retirement goal that you had with us when you first started with Oakview.","start":17.645,"end":25.985,"sentiment":"neutral","sentiment_score":0.16317793956169716}],"sentiment":"neutral","sentiment_score":0.20708504968728775,"channel":0,"num_words":39,"start":13.679999,"end":25.985},{"sentences":[{"text":"Mhmm.","start":26.665,"end":26.97,"sentiment":"neutral","sentiment_score":0.06404642760753632}],"sentiment":"neutral","sentiment_score":0.06404642760753632,"channel":1,"num_words":1,"start":26.665,"end":26.97},{"sentences":[{"text":"And I had you wanting to have around about 500,000 in the super and possibly retiring early towards the age of 60.","start":27.724998,"end":36.85,"sentiment":"neutral","sentiment_score":0.08451097035272555},{"text":"Does that sound about right?","start":36.85,"end":38.23,"sentiment":"neutral","sentiment_score":0.0910370722413063}],"sentiment":"neutral","sentiment_score":0.08571950773949977,"channel":0,"num_words":27,"start":27.724998,"end":38.23},{"sentences":[{"text":"Yeah.","start":38.41,"end":38.91,"sentiment":"neutral","sentiment_score":0.21820834279060364}],"sentiment":"neutral","sentiment_score":0.21820834279060364,"channel":1,"num_words":1,"start":38.41,"end":38.91},{"sentences":[{"text":"Cool.","start":39.89,"end":40.37,"sentiment":"positive","sentiment_score":0.4145626723766327},{"text":"So I've been looking at some updated projections just to make sure that you're on track for that, and you you came very, very close to it.","start":40.37,"end":48.175,"sentiment":"neutral","sentiment_score":0.2664377623134189},{"text":"There's a couple little things that I need to do to make sure we can get you there.","start":48.175,"end":52.195,"sentiment":"neutral","sentiment_score":0.09897353127598763}],"sentiment":"neutral","sentiment_score":0.20412838734362437,"channel":0,"num_words":46,"start":39.89,"end":52.195},{"sentences":[{"text":"Mhmm.","start":52.785,"end":53.13,"sentiment":"neutral","sentiment_score":-0.004267760086804628}],"sentiment":"neutral","sentiment_score":-0.004267760086804628,"channel":1,"num_words":1,"start":52.785,"end":53.13},{"sentences":[{"text":"And then you've had some changes to the old QSuper account.","start":52.815,"end":56.595,"sentiment":"neutral","sentiment_score":-0.0643068618056449},{"text":"I don't know if you guys talk at work about what happens when you turn 55 with those ones.","start":56.895,"end":61.38,"sentiment":"neutral","sentiment_score":-0.0783941732033303}],"sentiment":"neutral","sentiment_score":-0.07322882569084564,"channel":0,"num_words":30,"start":52.815,"end":61.38},{"sentences":[{"text":"Yeah.","start":63.61,"end":64.01,"sentiment":"neutral","sentiment_score":0.009819554165005684},{"text":"That's all been done.","start":64.01,"end":65.145,"sentiment":"neutral","sentiment_score":0.01002036826685071},{"text":"So","start":66.905,"end":67.064995,"sentiment":"neutral","sentiment_score":0.019331004470586777}],"sentiment":"neutral","sentiment_score":0.011538671950499216,"channel":1,"num_words":6,"start":63.61,"end":67.064995},{"sentences":[{"text":"Okay.","start":66.98,"end":67.46,"sentiment":"neutral","sentiment_score":0.012531683780252934}],"sentiment":"neutral","sentiment_score":0.012531683780252934,"channel":0,"num_words":1,"start":66.98,"end":67.46},{"sentences":[{"text":"that's been","start":67.064995,"end":67.545,"sentiment":"neutral","sentiment_score":0.00742054358124733}],"sentiment":"neutral","sentiment_score":0.00742054358124733,"channel":1,"num_words":2,"start":67.064995,"end":67.545},{"sentences":[{"text":"So","start":67.46,"end":67.7,"sentiment":"neutral","sentiment_score":0.004814762622117996}],"sentiment":"neutral","sentiment_score":0.004814762622117996,"channel":0,"num_words":1,"start":67.46,"end":67.7},{"sentences":[{"text":"transferred over.","start":67.545,"end":68.585,"sentiment":"neutral","sentiment_score":-0.00026357872411608696},{"text":"That that was the the defined benefit, retired benefit or something, and that finished when I turned 55,","start":68.585,"end":78.365,"sentiment":"neutral","sentiment_score":0.012547941050595708}],"sentiment":"neutral","sentiment_score":0.011266789073124528,"channel":1,"num_words":20,"start":67.545,"end":78.365},{"sentences":[{"text":"Yep.","start":79.315,"end":79.815,"sentiment":"neutral","sentiment_score":0.025049975141882896}],"sentiment":"neutral","sentiment_score":0.025049975141882896,"channel":0,"num_words":1,"start":79.315,"end":79.815},{"sentences":[{"text":"which is beginning of this year.","start":80.240005,"end":81.94,"sentiment":"neutral","sentiment_score":0.027298646979033947},{"text":"And we transferred it over to the accumulation fund, and I","start":82.32,"end":87.12,"sentiment":"neutral","sentiment_score":0.010554418137127703}],"sentiment":"neutral","sentiment_score":0.01646414596368285,"channel":1,"num_words":17,"start":80.240005,"end":87.12},{"sentences":[{"text":"Yep.","start":86.915,"end":87.415,"sentiment":"neutral","sentiment_score":0.0021516073029488325}],"sentiment":"neutral","sentiment_score":0.0021516073029488325,"channel":0,"num_words":1,"start":86.915,"end":87.415},{"sentences":[{"text":"took out 9,000.","start":87.12,"end":88.8,"sentiment":"neutral","sentiment_score":-0.0002758300397545099},{"text":"I think I ended up selling when you take all the tax net out.","start":88.8,"end":92.445,"sentiment":"neutral","sentiment_score":-0.029270478391221592},{"text":"So leave 16","start":92.525,"end":93.665,"sentiment":"neutral","sentiment_score":0.00796415905157725}],"sentiment":"neutral","sentiment_score":-0.019336085522081704,"channel":1,"num_words":20,"start":87.12,"end":93.665},{"sentences":[{"text":"Yeah.","start":93.409996,"end":93.909996,"sentiment":"neutral","sentiment_score":0.010182138532400131}],"sentiment":"neutral","sentiment_score":0.010182138532400131,"channel":0,"num_words":1,"start":93.409996,"end":93.909996},{"sentences":[{"text":"thousand leave 16,000 left in there now.","start":93.725,"end":97.104996,"sentiment":"neutral","sentiment_score":0.01905121760708945}],"sentiment":"neutral","sentiment_score":0.01905121760708945,"channel":1,"num_words":7,"start":93.725,"end":97.104996},{"sentences":[{"text":"Oh, perfect.","start":97.97,"end":98.53,"sentiment":"neutral","sentiment_score":0.18914200365543365},{"text":"Okay.","start":98.53,"end":98.85,"sentiment":"neutral","sentiment_score":0.07106146216392517},{"text":"So you already did the nomination.","start":98.85,"end":100.31,"sentiment":"neutral","sentiment_score":0.06516187203427155},{"text":"You got","start":100.814995,"end":101.295,"sentiment":"neutral","sentiment_score":0.0542556494474411}],"sentiment":"neutral","sentiment_score":0.08625709096139128,"channel":0,"num_words":11,"start":97.97,"end":101.295},{"sentences":[{"text":"Yep.","start":101.165,"end":101.665,"sentiment":"neutral","sentiment_score":0.04539050906896591}],"sentiment":"neutral","sentiment_score":0.04539050906896591,"channel":1,"num_words":1,"start":101.165,"end":101.665},{"sentences":[{"text":"the so I'm just having a look at the split there.","start":101.295,"end":104.255,"sentiment":"neutral","sentiment_score":0.006345126777887344},{"text":"So the amount kept deferred retirement benefit, that was $9.5.","start":104.255,"end":108.814995,"sentiment":"neutral","sentiment_score":-0.04515587165951729},{"text":"You would have taken that out, got a little bit of tax, and then the other 14 just straight across into the accumulation account.","start":108.814995,"end":115.950005,"sentiment":"neutral","sentiment_score":-0.0540538199711591}],"sentiment":"neutral","sentiment_score":-0.03731231114102734,"channel":0,"num_words":45,"start":101.295,"end":115.950005},{"sentences":[{"text":"Yep.","start":116.3,"end":116.62,"sentiment":"neutral","sentiment_score":0.012312807142734528},{"text":"So what I need to do but I think I gotta ring hub to do that.","start":116.62,"end":119.82,"sentiment":"neutral","sentiment_score":-0.05269754631444812},{"text":"I need to transfer it over into my hub account.","start":119.82,"end":122.56,"sentiment":"neutral","sentiment_score":-0.01772785186767578}],"sentiment":"neutral","sentiment_score":-0.03733801676167382,"channel":1,"num_words":27,"start":116.3,"end":122.56},{"sentences":[{"text":"Yeah.","start":123.770004,"end":124.17,"sentiment":"neutral","sentiment_score":0.05688364803791046},{"text":"We can sort that out for you.","start":124.17,"end":125.61,"sentiment":"neutral","sentiment_score":0.0782852830099208},{"text":"I just wanted to double check in terms of they still seem to have a little bit of insurances attached to it, a bit of life and disability cover.","start":125.61,"end":133.925,"sentiment":"neutral","sentiment_score":-0.012793014532533186}],"sentiment":"neutral","sentiment_score":0.006321167774699829,"channel":0,"num_words":37,"start":123.770004,"end":133.925},{"sentences":[{"text":"Oh, yeah.","start":135.925,"end":136.825,"sentiment":"neutral","sentiment_score":0.0049293870106339455}],"sentiment":"neutral","sentiment_score":0.0049293870106339455,"channel":1,"num_words":2,"start":135.925,"end":136.825},{"sentences":[{"text":"And I'm just wondering, do you want me to just, like, keep that running for a little while longer, or do you wanna close it?","start":136.465,"end":142.545,"sentiment":"neutral","sentiment_score":-0.030719123408198358},{"text":"It's about 45,000 worth of life 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the bulk of it over.","start":154.65001,"end":156.35,"sentiment":"neutral","sentiment_score":-0.021617291495203972},{"text":"We normally just keep a minimum just to make sure insurances and other benefits aren't lost.","start":156.65001,"end":161.445,"sentiment":"neutral","sentiment_score":0.11663998384028673},{"text":"Like, I can do a movement of most of it if you'd wanna go that way.","start":161.445,"end":165.365,"sentiment":"neutral","sentiment_score":0.08726799208670855},{"text":"But if we close it, they'll they'll delete the insurances.","start":165.365,"end":168.185,"sentiment":"neutral","sentiment_score":-0.1579215869307518},{"text":"That's all.","start":168.24501,"end":169.065,"sentiment":"neutral","sentiment_score":-0.04334034863859415}],"sentiment":"neutral","sentiment_score":0.029338545985519885,"channel":0,"num_words":50,"start":154.65001,"end":169.065},{"sentences":[{"text":"Yeah.","start":168.98001,"end":169.38,"sentiment":"neutral","sentiment_score":0.04104483127593994},{"text":"Well, I don't have any insurances on the hub one, so it probably wouldn't hurt to have a bit of insurance on that one.","start":169.38,"end":174.44,"sentiment":"neutral","sentiment_score":-0.10553723635772864}],"sentiment":"neutral","sentiment_score":-0.0996739536523819,"channel":1,"num_words":25,"start":168.98001,"end":174.44},{"sentences":[{"text":"Yeah.","start":175.5,"end":175.81999,"sentiment":"neutral","sentiment_score":-0.05949094146490097},{"text":"And I don't honestly, I don't think we'd be able to get too much on there.","start":175.81999,"end":180.06,"sentiment":"neutral","sentiment_score":-0.2924403427168727},{"text":"I can do a bit of a quote up because you've got a pretty a pretty office based role.","start":180.06,"end":185.51999,"sentiment":"neutral","sentiment_score":0.058698111262760665},{"text":"Senior payroll officer for UGL.","start":185.73999,"end":188.4,"sentiment":"neutral","sentiment_score":0.01921684518456459}],"sentiment":"neutral","sentiment_score":-0.0860289776834046,"channel":0,"num_words":41,"start":175.5,"end":188.4},{"sentences":[{"text":"Yep.","start":189.02501,"end":189.36,"sentiment":"neutral","sentiment_score":0.050555355846881866}],"sentiment":"neutral","sentiment_score":0.050555355846881866,"channel":1,"num_words":1,"start":189.02501,"end":189.36},{"sentences":[{"text":"Yeah.","start":190.545,"end":190.78499,"sentiment":"neutral","sentiment_score":0.07166624069213867},{"text":"So do you want me to see if I can get maybe just take a little bit of, like, life insurance through the hub in order to get that across?","start":190.78499,"end":198.00499,"sentiment":"neutral","sentiment_score":0.05292995187143485}],"sentiment":"neutral","sentiment_score":0.05353434828500594,"channel":0,"num_words":31,"start":190.545,"end":198.00499},{"sentences":[{"text":"Yeah.","start":198.96,"end":199.28,"sentiment":"neutral","sentiment_score":-0.2024541199207306},{"text":"I just don't wanna pay a fortune.","start":199.28,"end":201.12,"sentiment":"negative","sentiment_score":-0.5126526781490871},{"text":"That's that's why I've I've got rid of it all.","start":201.12,"end":203.28,"sentiment":"negative","sentiment_score":-0.3859618753194809},{"text":"Because I had it all, and then I asked for it all to be taken out because I felt like I was spending more money in fees.","start":203.28,"end":210.14499,"sentiment":"negative","sentiment_score":-0.4527498892060033},{"text":"And and I have I might I am only five years off retirement, so I'm hoping I'm not gonna need insurance.","start":210.14499,"end":218.245,"sentiment":"negative","sentiment_score":-0.41137326047534034}],"sentiment":"negative","sentiment_score":-0.4320261681621725,"channel":1,"num_words":66,"start":198.96,"end":218.245},{"sentences":[{"text":"So it's just nice to have that little bit of a buffer in case something does go wrong.","start":218.79999,"end":223.14,"sentiment":"neutral","sentiment_score":0.08906246887312995}],"sentiment":"neutral","sentiment_score":0.08906246887312995,"channel":1,"num_words":18,"start":218.79999,"end":223.14},{"sentences":[{"text":"That's exactly one thing because I'm trying to get through somebody else.","start":224.735,"end":229.055,"sentiment":"negative","sentiment_score":-0.4052266329526901},{"text":"I reckon we'd be starting to creep up into the thousand, $2,000 mark.","start":229.055,"end":233.71999,"sentiment":"negative","sentiment_score":-0.5985095821894132},{"text":"And it's just gonna eat away at the super.","start":235.21999,"end":237.37999,"sentiment":"negative","sentiment_score":-0.6304114676184125},{"text":"So I'd be more inclined to keep that QSuper going just for a little while because it's it's like $2 a week for the the life insurance.","start":237.37999,"end":244.42,"sentiment":"positive","sentiment_score":0.4256865006906015},{"text":"It's pretty cheap.","start":244.42,"end":245.235,"sentiment":"positive","sentiment_score":0.6263628800710043}],"sentiment":"neutral","sentiment_score":-0.07725661271251738,"channel":0,"num_words":64,"start":224.735,"end":245.235},{"sentences":[{"text":"Righto.","start":246.235,"end":246.635,"sentiment":"positive","sentiment_score":0.4742564558982849},{"text":"So just keep that going.","start":246.635,"end":247.75499,"sentiment":"positive","sentiment_score":0.46032097935676575},{"text":"So then if something does happen, I can at least claim that life insurance through that.","start":247.75499,"end":253.05,"sentiment":"neutral","sentiment_score":0.32774618174880743},{"text":"Hey.","start":253.11,"end":253.61,"sentiment":"neutral","sentiment_score":0.1459682285785675}],"sentiment":"positive","sentiment_score":0.35503341257572174,"channel":1,"num_words":23,"start":246.235,"end":253.61},{"sentences":[{"text":"Yeah.","start":254.035,"end":254.355,"sentiment":"neutral","sentiment_score":0.12836693227291107},{"text":"And then when","start":254.355,"end":254.915,"sentiment":"neutral","sentiment_score":0.11030515283346176}],"sentiment":"neutral","sentiment_score":0.11482059769332409,"channel":0,"num_words":4,"start":254.035,"end":254.915},{"sentences":[{"text":"Yeah.","start":254.87,"end":255.37,"sentiment":"neutral","sentiment_score":0.05894145369529724}],"sentiment":"neutral","sentiment_score":0.05894145369529724,"channel":1,"num_words":1,"start":254.87,"end":255.37},{"sentences":[{"text":"you hit 60, we can close it all and put it into the pension account when you no longer need it.","start":254.915,"end":260.18,"sentiment":"neutral","sentiment_score":0.1159897730464027}],"sentiment":"neutral","sentiment_score":0.1159897730464027,"channel":0,"num_words":21,"start":254.915,"end":260.18},{"sentences":[{"text":"Righto.","start":260.71,"end":261.21,"sentiment":"neutral","sentiment_score":0.21520845592021945},{"text":"Okay.","start":261.27,"end":261.645,"sentiment":"neutral","sentiment_score":0.3262781798839569},{"text":"That sounds good.","start":261.88498,"end":262.865,"sentiment":"positive","sentiment_score":0.5841378966967264},{"text":"Let's we'll do","start":262.925,"end":263.685,"sentiment":"positive","sentiment_score":0.4389236271381378}],"sentiment":"positive","sentiment_score":0.45133390091359615,"channel":1,"num_words":8,"start":260.71,"end":263.685},{"sentences":[{"text":"Cool.","start":263.68,"end":264.18,"sentiment":"positive","sentiment_score":0.4402150511741638}],"sentiment":"positive","sentiment_score":0.4402150511741638,"channel":0,"num_words":1,"start":263.68,"end":264.18},{"sentences":[{"text":"I'll just leave it as it is.","start":263.865,"end":265.345,"sentiment":"positive","sentiment_score":0.3937055085386549}],"sentiment":"positive","sentiment_score":0.3937055085386549,"channel":1,"num_words":7,"start":263.865,"end":265.345},{"sentences":[{"text":"And you've got your contributions going in there, so I can I can move a bunch across into the good portfolio because I know QSuper's had a bit of a wild ride in terms of returns?","start":266.08,"end":276.555,"sentiment":"neutral","sentiment_score":0.269207830230395},{"text":"Don't know if you guys talk at work much, but the 4.9% for five years has been extremely low.","start":276.775,"end":283.015,"sentiment":"neutral","sentiment_score":-0.1617291181495315},{"text":"They used to be the best or top three.","start":283.015,"end":285.355,"sentiment":"neutral","sentiment_score":-0.15257974134551155}],"sentiment":"neutral","sentiment_score":0.08195954642724246,"channel":0,"num_words":64,"start":266.08,"end":285.355},{"sentences":[{"text":"Well, yeah, I've never found them good, which is why I come over went over to Hub.","start":286.41,"end":290.905,"sentiment":"neutral","sentiment_score":-0.07666201232110753}],"sentiment":"neutral","sentiment_score":-0.07666201232110753,"channel":1,"num_words":17,"start":286.41,"end":290.905},{"sentences":[{"text":"Yeah.","start":291.99,"end":292.38998,"sentiment":"neutral","sentiment_score":0.06203817576169968},{"text":"So what I'm gonna do is I'll see how much we have to keep in there to keep it open because the contributions keeps it active.","start":292.38998,"end":299.70502,"sentiment":"neutral","sentiment_score":0.18905249467262855},{"text":"And then usually the minimum 6,000, maybe maximum of 10 that we need to keep.","start":299.70502,"end":305.08502,"sentiment":"neutral","sentiment_score":0.12218082795540491},{"text":"Anything else I can kind of move across and then wait till 60 for the rest.","start":305.225,"end":309.08502,"sentiment":"neutral","sentiment_score":0.08271250780671835}],"sentiment":"neutral","sentiment_score":0.14023302726704498,"channel":0,"num_words":58,"start":291.99,"end":309.08502},{"sentences":[{"text":"What contributions going in there?","start":309.87,"end":311.97,"sentiment":"neutral","sentiment_score":0.026493104733526708}],"sentiment":"neutral","sentiment_score":0.026493104733526708,"channel":1,"num_words":5,"start":309.87,"end":311.97},{"sentences":[{"text":"I did have you actually, they may actually be going into","start":313.48,"end":317.48,"sentiment":"neutral","sentiment_score":0.0005613336000930179}],"sentiment":"neutral","sentiment_score":0.0005613336000930179,"channel":0,"num_words":11,"start":313.48,"end":317.48},{"sentences":[{"text":"Yeah.","start":317.335,"end":317.835,"sentiment":"neutral","sentiment_score":-0.007213545497506857}],"sentiment":"neutral","sentiment_score":-0.007213545497506857,"channel":1,"num_words":1,"start":317.335,"end":317.835},{"sentences":[{"text":"the other account.","start":317.48,"end":318.2,"sentiment":"neutral","sentiment_score":-0.01838643631587426},{"text":"Sorry.","start":318.2,"end":318.7,"sentiment":"neutral","sentiment_score":-0.06284037232398987}],"sentiment":"neutral","sentiment_score":-0.02949992031790316,"channel":0,"num_words":4,"start":317.48,"end":318.7},{"sentences":[{"text":"I'm sorry.","start":319.335,"end":319.815,"sentiment":"neutral","sentiment_score":-0.09085047245025635},{"text":"I shouldn't have any money well, I thought I transferred everything over into hub.","start":319.815,"end":323.995,"sentiment":"neutral","sentiment_score":-0.12650772290570395}],"sentiment":"neutral","sentiment_score":-0.122050566598773,"channel":1,"num_words":16,"start":319.335,"end":323.995},{"sentences":[{"text":"No.","start":324.94498,"end":325.185,"sentiment":"neutral","sentiment_score":-0.08028719574213028},{"text":"You are right.","start":325.185,"end":325.985,"sentiment":"neutral","sentiment_score":-0.04095996047059695},{"text":"Sorry.","start":325.985,"end":326.38498,"sentiment":"neutral","sentiment_score":-0.10204282402992249},{"text":"Your salary sacrifice and everything is going into hub.","start":326.38498,"end":329.60498,"sentiment":"neutral","sentiment_score":-0.08721358163489236},{"text":"It's just the the remaining balance in q super at the moment.","start":329.82498,"end":335.34497,"sentiment":"neutral","sentiment_score":0.0022287734027486295}],"sentiment":"neutral","sentiment_score":-0.04089949442557274,"channel":0,"num_words":26,"start":324.94498,"end":335.34497},{"sentences":[{"text":"You are right.","start":335.34497,"end":335.985,"sentiment":"neutral","sentiment_score":0.013068929935495058},{"text":"Sorry about that.","start":335.985,"end":336.72,"sentiment":"neutral","sentiment_score":-0.0707953783373038}],"sentiment":"neutral","sentiment_score":-0.02886322420090437,"channel":0,"num_words":6,"start":335.34497,"end":336.72},{"sentences":[{"text":"That's alright.","start":337.43002,"end":338.25,"sentiment":"neutral","sentiment_score":0.01364609831944108}],"sentiment":"neutral","sentiment_score":0.01364609831944108,"channel":1,"num_words":2,"start":337.43002,"end":338.25},{"sentences":[{"text":"So that's all going in there at the moment.","start":338.88,"end":341.06,"sentiment":"neutral","sentiment_score":0.008758411535786258},{"text":"So I'll double check the old opt in to see if we need to do anything.","start":341.92,"end":345.2,"sentiment":"neutral","sentiment_score":0.005815445329062641},{"text":"Have you opted into that cover before online or over any forms to make sure it doesn't","start":345.2,"end":349.365,"sentiment":"neutral","sentiment_score":-0.008770722567158587}],"sentiment":"neutral","sentiment_score":0.0005421558439376808,"channel":0,"num_words":42,"start":338.88,"end":349.365},{"sentences":[{"text":"No.","start":352.885,"end":353.34,"sentiment":"neutral","sentiment_score":-0.16129331290721893},{"text":"I don't really know what you just asked, but I've done nothing with the super account.","start":353.9,"end":358.69998,"sentiment":"neutral","sentiment_score":-0.2361561255529523},{"text":"Is that what you mean?","start":358.69998,"end":359.34,"sentiment":"neutral","sentiment_score":-0.14353735744953156},{"text":"The q","start":359.34,"end":359.66,"sentiment":"neutral","sentiment_score":-0.11965407803654671}],"sentiment":"neutral","sentiment_score":-0.20403276104480028,"channel":1,"num_words":24,"start":352.885,"end":359.66},{"sentences":[{"text":"disappear?","start":359.60498,"end":360.10498,"sentiment":"neutral","sentiment_score":-0.10981015861034392}],"sentiment":"neutral","sentiment_score":-0.10981015861034392,"channel":0,"num_words":1,"start":359.60498,"end":360.10498},{"sentences":[{"text":"super?","start":359.66,"end":360.16,"sentiment":"neutral","sentiment_score":-0.0762629508972168}],"sentiment":"neutral","sentiment_score":-0.0762629508972168,"channel":1,"num_words":1,"start":359.66,"end":360.16},{"sentences":[{"text":"Yeah.","start":361.04498,"end":361.44498,"sentiment":"neutral","sentiment_score":-0.043627604842185974},{"text":"There's usually like something called an opt in 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with them.","start":381.08002,"end":382.30002,"sentiment":"neutral","sentiment_score":-0.17290780941645303}],"sentiment":"neutral","sentiment_score":-0.17290780941645303,"channel":1,"num_words":3,"start":381.08002,"end":382.30002},{"sentences":[{"text":"oh, fair enough.","start":383.43503,"end":384.415,"sentiment":"neutral","sentiment_score":0.14848088721434274},{"text":"I'm gonna dive in.","start":384.875,"end":385.83502,"sentiment":"neutral","sentiment_score":0.22212457656860352},{"text":"I'll get in touch with them and see what the easiest way is to do that.","start":385.83502,"end":389.27502,"sentiment":"neutral","sentiment_score":0.27313614916056395},{"text":"And then what I'm thinking is we just opt into that, keep the minimum that we need to, and that way the insurances are there for the next five years, and then everything can just roll into the hub, and that's all 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got","start":410.485,"end":410.885,"sentiment":"neutral","sentiment_score":0.21294846385717392}],"sentiment":"neutral","sentiment_score":0.321416522860527,"channel":0,"num_words":25,"start":402.36,"end":410.885},{"sentences":[{"text":"Yep.","start":410.79,"end":411.29,"sentiment":"neutral","sentiment_score":0.1926540583372116}],"sentiment":"neutral","sentiment_score":0.1926540583372116,"channel":1,"num_words":1,"start":410.79,"end":411.29},{"sentences":[{"text":"that bit of money in the queue server as well.","start":410.885,"end":412.725,"sentiment":"neutral","sentiment_score":0.2632089823484421},{"text":"So to get it from the three to the five, this is honestly the crunch period where you get your last good returns, but then you also don't wanna risk it all because you don't wanna be sitting there at 59, stock market crashes for the global financial crisis again or COVID, and then you lose 200,000.","start":412.725,"end":431.73,"sentiment":"neutral","sentiment_score":-0.12115759480940669},{"text":"So I need to be very, very careful in the risk level just to make","start":433.865,"end":437.70502,"sentiment":"neutral","sentiment_score":-0.23300637503465016}],"sentiment":"neutral","sentiment_score":-0.09474376470940869,"channel":0,"num_words":82,"start":410.885,"end":437.70502},{"sentences":[{"text":"Mhmm.","start":437.65,"end":438.15,"sentiment":"neutral","sentiment_score":-0.1213262304663658}],"sentiment":"neutral","sentiment_score":-0.1213262304663658,"channel":1,"num_words":1,"start":437.65,"end":438.15},{"sentences":[{"text":"sure I can get you up to the 500.","start":437.70502,"end":439.885,"sentiment":"neutral","sentiment_score":0.04584711127811008},{"text":"And then that way, when you hit sixty sixty one, you can pretty much just hang up the boots.","start":440.505,"end":445.405,"sentiment":"neutral","sentiment_score":-0.06154243804906544}],"sentiment":"neutral","sentiment_score":-0.02702436862247331,"channel":0,"num_words":28,"start":437.70502,"end":445.405},{"sentences":[{"text":"Right.","start":447.025,"end":447.525,"sentiment":"neutral","sentiment_score":0.10022477805614471}],"sentiment":"neutral","sentiment_score":0.10022477805614471,"channel":1,"num_words":1,"start":447.025,"end":447.525},{"sentences":[{"text":"So let me have a quick look at the investment here.","start":448.745,"end":450.89,"sentiment":"neutral","sentiment_score":0.10277526012875816},{"text":"So you're in a growth portfolio.","start":450.89,"end":452.43002,"sentiment":"neutral","sentiment_score":0.059718262404203415},{"text":"That's probably the part that's a little bit of a concern because normally you wanna have seven or eight years left to be at a growth because it's kinda like a four out of five on the risk scale.","start":453.05002,"end":464.945,"sentiment":"neutral","sentiment_score":-0.06761610727661695},{"text":"And I'm thinking maybe we drop it down a peg to, like, a three or so or a three and a half just to still keep it growing, but just make sure we're not risking too much in case something explodes in the next","start":465.005,"end":477.72,"sentiment":"neutral","sentiment_score":0.038408220703290266}],"sentiment":"neutral","sentiment_score":0.00541770962998271,"channel":0,"num_words":100,"start":448.745,"end":477.72},{"sentences":[{"text":"Yep.","start":479.05502,"end":479.55502,"sentiment":"neutral","sentiment_score":0.03764881566166878},{"text":"Right.","start":479.61502,"end":480.11502,"sentiment":"neutral","sentiment_score":0.06338285654783249}],"sentiment":"neutral","sentiment_score":0.05051583610475063,"channel":1,"num_words":2,"start":479.05502,"end":480.11502},{"sentences":[{"text":"couple of 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you","start":566.29,"end":567.11,"sentiment":"neutral","sentiment_score":0.03763936460018158}],"sentiment":"neutral","sentiment_score":0.03763936460018158,"channel":1,"num_words":3,"start":566.29,"end":567.11},{"sentences":[{"text":"So is there, like, a set amount that you're putting aside, and do you have anything that you need?","start":568.27,"end":573.07,"sentiment":"neutral","sentiment_score":0.08460412743060212}],"sentiment":"neutral","sentiment_score":0.08460412743060212,"channel":0,"num_words":19,"start":568.27,"end":573.07},{"sentences":[{"text":"mean?","start":572.76996,"end":573.26996,"sentiment":"neutral","sentiment_score":0.02006288431584835}],"sentiment":"neutral","sentiment_score":0.02006288431584835,"channel":1,"num_words":1,"start":572.76996,"end":573.26996},{"sentences":[{"text":"You know, you're obviously finishing off the mortgage, Any debts and things like that, you're just trying to prioritize?","start":573.07,"end":578.545,"sentiment":"neutral","sentiment_score":0.03141274665923495}],"sentiment":"neutral","sentiment_score":0.03141274665923495,"channel":0,"num_words":19,"start":573.07,"end":578.545},{"sentences":[{"text":"Yeah.","start":579.435,"end":579.935,"sentiment":"neutral","sentiment_score":0.02214299887418747},{"text":"I'm just trying to get the the mortgage down and my car paid off and that sort of stuff over the next few years.","start":580.075,"end":590.815,"sentiment":"neutral","sentiment_score":0.020537127148903284}],"sentiment":"neutral","sentiment_score":0.020601362017914654,"channel":1,"num_words":25,"start":579.435,"end":590.815},{"sentences":[{"text":"Yeah.","start":592.06,"end":592.46,"sentiment":"neutral","sentiment_score":0.07244309037923813},{"text":"Because I've got you there with the there's a caravan, a boat, a few cars, and the home.","start":592.46,"end":596.78,"sentiment":"neutral","sentiment_score":0.054774593147966594},{"text":"And I'm sort of thinking, are you still okay to do that salary sacrifice and then focus the rest on the mortgage and the car loans?","start":596.78,"end":604.635,"sentiment":"neutral","sentiment_score":0.019447703872664042}],"sentiment":"neutral","sentiment_score":0.03475613483848671,"channel":0,"num_words":45,"start":592.06,"end":604.635},{"sentences":[{"text":"Yes.","start":605.23,"end":605.565,"sentiment":"neutral","sentiment_score":0.21725882589817047}],"sentiment":"neutral","sentiment_score":0.21725882589817047,"channel":1,"num_words":1,"start":605.23,"end":605.565},{"sentences":[{"text":"Cool.","start":606.85504,"end":607.255,"sentiment":"positive","sentiment_score":0.3350486755371094},{"text":"Alright.","start":607.255,"end":607.575,"sentiment":"neutral","sentiment_score":0.1750623881816864},{"text":"So I just wanted to update the cash flow projections.","start":607.575,"end":610.79504,"sentiment":"neutral","sentiment_score":0.10921300761401653},{"text":"When I had a look at your contributions, it seemed like maybe your income had bumped up a little bit.","start":612.135,"end":618.06,"sentiment":"neutral","sentiment_score":-0.04201161302626133},{"text":"I'm not","start":618.52,"end":618.76,"sentiment":"neutral","sentiment_score":-0.058164119720458984}],"sentiment":"neutral","sentiment_score":0.018990607055671075,"channel":0,"num_words":34,"start":606.85504,"end":618.76},{"sentences":[{"text":"Yes.","start":618.605,"end":618.93,"sentiment":"neutral","sentiment_score":-0.06466306746006012}],"sentiment":"neutral","sentiment_score":-0.06466306746006012,"channel":1,"num_words":1,"start":618.605,"end":618.93},{"sentences":[{"text":"sure if you've done your tax return for the year, but are you sitting in around a 105,000 now, or is it still back towards the 90 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got you on some partner fee discounts with us.","start":637.92505,"end":642.025,"sentiment":"neutral","sentiment_score":0.24211671203374863},{"text":"We've Shane 1.1% with the partner fee.","start":642.24506,"end":646.17,"sentiment":"neutral","sentiment_score":0.20663646076406753}],"sentiment":"neutral","sentiment_score":0.2946060769485705,"channel":0,"num_words":33,"start":629.8,"end":646.17},{"sentences":[{"text":"Just to let you know that we do have, at Oakview, some tiered fees coming along next year.","start":646.81,"end":652.57,"sentiment":"neutral","sentiment_score":0.20127123925420973},{"text":"So for everybody above 200,000, there's some discounts.","start":652.57,"end":656.11,"sentiment":"neutral","sentiment_score":0.16773070208728313},{"text":"And above 500,000, we do provide some further discounts as","start":656.49,"end":660.45496,"sentiment":"neutral","sentiment_score":0.12335818745195866}],"sentiment":"neutral","sentiment_score":0.1721752721609341,"channel":0,"num_words":36,"start":646.81,"end":660.45496},{"sentences":[{"text":"Oh, awesome.","start":661.245,"end":662.065,"sentiment":"positive","sentiment_score":0.43362000584602356}],"sentiment":"positive","sentiment_score":0.43362000584602356,"channel":1,"num_words":2,"start":661.245,"end":662.065},{"sentences":[{"text":"well.","start":661.71497,"end":662.21497,"sentiment":"neutral","sentiment_score":0.25827857851982117},{"text":"But we have had to increase the the lower fee next year just because we haven't touched it for five years.","start":663.475,"end":670.595,"sentiment":"neutral","sentiment_score":-0.04621762143714087},{"text":"And, obviously, the electricity has gone up, and the taxes have gone up and everything's gone up.","start":670.595,"end":675.56,"sentiment":"neutral","sentiment_score":-0.1602071234408547},{"text":"So when we come to the review next year, I'll make sure I've got an updated calculation for you just to factor in the discounts and everything and make sure you know what we'd be charging then as well.","start":675.56,"end":686.455,"sentiment":"neutral","sentiment_score":0.14305009138889802},{"text":"Make sure you're still happy with 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time.","start":694.21497,"end":697.755,"sentiment":"neutral","sentiment_score":0.029020404586425193},{"text":"Do you know what it's sitting","start":697.895,"end":699.015,"sentiment":"neutral","sentiment_score":0.0040488518619289}],"sentiment":"neutral","sentiment_score":0.03740073160068797,"channel":0,"num_words":28,"start":690.77496,"end":699.015},{"sentences":[{"text":"Yep.","start":698.765,"end":699.265,"sentiment":"neutral","sentiment_score":0.002488336293026805}],"sentiment":"neutral","sentiment_score":0.002488336293026805,"channel":1,"num_words":1,"start":698.765,"end":699.265},{"sentences":[{"text":"out at the moment?","start":699.015,"end":699.69,"sentiment":"neutral","sentiment_score":-0.004593485966324806}],"sentiment":"neutral","sentiment_score":-0.004593485966324806,"channel":0,"num_words":4,"start":699.015,"end":699.69},{"sentences":[{"text":"Yeah.","start":699.96497,"end":700.285,"sentiment":"neutral","sentiment_score":0.00809444859623909},{"text":"It's still a bit the 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my","start":1059.86,"end":1060.1799,"sentiment":"neutral","sentiment_score":-0.09708748012781143}],"sentiment":"neutral","sentiment_score":-0.09708748012781143,"channel":1,"num_words":2,"start":1059.86,"end":1060.1799},{"sentences":[{"text":"to plan","start":1059.9601,"end":1060.28,"sentiment":"neutral","sentiment_score":-0.0654413290321827}],"sentiment":"neutral","sentiment_score":-0.0654413290321827,"channel":0,"num_words":2,"start":1059.9601,"end":1060.28},{"sentences":[{"text":"options.","start":1060.1799,"end":1060.6799,"sentiment":"neutral","sentiment_score":-0.022284064441919327}],"sentiment":"neutral","sentiment_score":-0.022284064441919327,"channel":1,"num_words":1,"start":1060.1799,"end":1060.6799},{"sentences":[{"text":"it all now, 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closer and closer and your life changes, just let me know, and I'll adjust things and go through those options with you each year.","start":1073.7051,"end":1081.03,"sentiment":"positive","sentiment_score":0.3551668221580571}],"sentiment":"positive","sentiment_score":0.342498059633752,"channel":0,"num_words":71,"start":1062.28,"end":1081.03},{"sentences":[{"text":"Righty.","start":1081.635,"end":1082.135,"sentiment":"neutral","sentiment_score":0.3268502950668335},{"text":"And does 500,000 each sound a reasonable amount to retire on?","start":1082.595,"end":1090.34,"sentiment":"neutral","sentiment_score":0.23899700831283222}],"sentiment":"neutral","sentiment_score":0.24631811554233232,"channel":1,"num_words":12,"start":1081.635,"end":1090.34},{"sentences":[{"text":"Yeah.","start":1091.89,"end":1092.29,"sentiment":"neutral","sentiment_score":0.2300395369529724},{"text":"Great question.","start":1092.29,"end":1092.93,"sentiment":"positive","sentiment_score":0.5165154933929443},{"text":"So have you ever looked up the government retirement standard before?","start":1092.93,"end":1097.4249,"sentiment":"neutral","sentiment_score":0.04659098522229628}],"sentiment":"neutral","sentiment_score":0.12682652579886572,"channel":0,"num_words":14,"start":1091.89,"end":1097.4249},{"sentences":[{"text":"No.","start":1099.0399,"end":1099.455,"sentiment":"neutral","sentiment_score":-0.060281600803136826}],"sentiment":"neutral","sentiment_score":-0.060281600803136826,"channel":1,"num_words":1,"start":1099.0399,"end":1099.455},{"sentences":[{"text":"So it's just a bit of an estimate from ASFA, ASFA, and they basically say that, you know, for a comfortable lifestyle, you you wanna have as a couple around $78,000 a year worth of income coming out as a bit of a benchmark.","start":1100.9249,"end":1116.65,"sentiment":"neutral","sentiment_score":0.09751760417764838}],"sentiment":"neutral","sentiment_score":0.09751760417764838,"channel":0,"num_words":44,"start":1100.9249,"end":1116.65},{"sentences":[{"text":"Mhmm.","start":1117.63,"end":1118.13,"sentiment":"neutral","sentiment_score":0.04625322669744491}],"sentiment":"neutral","sentiment_score":0.04625322669744491,"channel":1,"num_words":1,"start":1117.63,"end":1118.13},{"sentences":[{"text":"Now to produce 78,000, you basically need one of two figures.","start":1118.63,"end":1123.725,"sentiment":"neutral","sentiment_score":0.05171229216185483},{"text":"If you had $780,000 between you, you could pull out 10% of that balance, and it would still last around about twenty, twenty five years until you hit your nineties.","start":1124.6849,"end":1137.63,"sentiment":"neutral","sentiment_score":0.06226121721168359},{"text":"So you need a minimum of $7.80 combined to hit that amount.","start":1138.59,"end":1144.13,"sentiment":"neutral","sentiment_score":0.08119043552627166},{"text":"Now if you doubled it just for for argument's sake and you had 1,500,000 just just for argument's sake, you could pull out that $78,000 a year, and it would never go down.","start":1144.51,"end":1157.565,"sentiment":"neutral","sentiment_score":0.25953388891436835},{"text":"You would kind of earn 5%, pull out 5%, and you would always have $1,500,000 sitting there.","start":1157.7849,"end":1163.705,"sentiment":"neutral","sentiment_score":0.31400572552400474}],"sentiment":"neutral","sentiment_score":0.16809390897600396,"channel":0,"num_words":103,"start":1118.63,"end":1163.705},{"sentences":[{"text":"So the range is from $7.80 to 1.5, anywhere in between, and you're on 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gonna do is I'll get the team to reach out soon to get him booked in.","start":1391.435,"end":1394.97,"sentiment":"neutral","sentiment_score":0.2508741406833424},{"text":"And then look.","start":1396.33,"end":1398.09,"sentiment":"neutral","sentiment_score":0.16963994999726614},{"text":"Staggered retirement's fine too.","start":1398.09,"end":1399.85,"sentiment":"neutral","sentiment_score":0.24155880138278008},{"text":"If there's a couple of years difference where he goes, look, I'll stop at 60 and you go through to 63 for those five years difference, that shouldn't cause too much trouble.","start":1399.85,"end":1410.685,"sentiment":"neutral","sentiment_score":0.08296038280241191},{"text":"We can work with 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conversation with him, make sure everything's on track well, And then possibly next year or the year after, we should probably have both of you guys on the same call just to have a bit of a joint chat, make sure we're we're pretty serious about what when we change the major changes.","start":1415.885,"end":1432.605,"sentiment":"neutral","sentiment_score":0.29097795022422807}],"sentiment":"neutral","sentiment_score":0.29097795022422807,"channel":0,"num_words":57,"start":1415.885,"end":1432.605},{"sentences":[{"text":"Yeah.","start":1433.79,"end":1434.11,"sentiment":"neutral","sentiment_score":0.12346994876861572},{"text":"Righto.","start":1434.11,"end":1434.61,"sentiment":"neutral","sentiment_score":0.15101265907287598}],"sentiment":"neutral","sentiment_score":0.13724130392074585,"channel":1,"num_words":2,"start":1433.79,"end":1434.61},{"sentences":[{"text":"That 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soon.","start":1909.735,"end":1910.635,"sentiment":"positive","sentiment_score":0.6135979741811752}],"sentiment":"positive","sentiment_score":0.5526960752904415,"channel":0,"num_words":8,"start":1908.535,"end":1910.635},{"sentences":[{"text":"Okay.","start":1910.8348,"end":1911.3348,"sentiment":"positive","sentiment_score":0.3697851300239563},{"text":"See you.","start":1911.4749,"end":1912.2148,"sentiment":"positive","sentiment_score":0.4579702317714691},{"text":"Bye.","start":1912.2748,"end":1912.7748,"sentiment":"positive","sentiment_score":0.3446575999259949}],"sentiment":"positive","sentiment_score":0.40759579837322235,"channel":1,"num_words":4,"start":1910.8348,"end":1912.7748},{"sentences":[{"text":"Cheers.","start":1913.735,"end":1914.2151,"sentiment":"positive","sentiment_score":0.5930384993553162},{"text":"Bye.","start":1914.2151,"end":1914.7151,"sentiment":"neutral","sentiment_score":-0.09637853503227234}],"sentiment":"neutral","sentiment_score":0.2483299821615219,"channel":0,"num_words":2,"start":1913.735,"end":1914.7151}]},"summary":{"result":"success","short":"Representatives from MmR Real Estate speak with various customers to confirm retirement goals and update their retirement plans. They discuss insurance coverage, reducing risk levels, and potential opportunities to lower fees. The speakers emphasize the importance of maintaining a stable lifestyle and updating retirement plans to produce a comfortable amount of income. They also discuss retirement plans, joint accounts, and the importance of updating financial situation and discussing retirement options with employers. The goal is to retire between 60 and 67 years and update the customer's retirement plans and retirement plans to reflect their retirement goals."},"intents":{"segments":[{"text":"So we've got some information here, and I've been tracking your your old retirement goal that you had with us when you first started with Oakview. Mhmm. And I had you wanting to have around about 500,000 in the super and possibly retiring early towards the age of 60. Does that sound about right? Yeah.","start_word":56,"end_word":110,"intents":[{"intent":"Obtain retirement information","confidence_score":0.00010938392}]},{"text":"And I'm just wondering, do you want me to just, like, keep that running for a little while longer, or do you wanna close it?","start_word":388,"end_word":412,"intents":[{"intent":"Request policy change","confidence_score":0.00063915626}]},{"text":"Your salary sacrifice and everything is going into hub. It's just the the remaining balance in q super at the moment.","start_word":980,"end_word":1000,"intents":[{"intent":"Manage q super accounts","confidence_score":0.0051299357}]},{"text":"So I'm gonna do some updated projections. I'll do the opt in for the q super. I'll see what we can move between the accounts, and then I'll see if I can just reduce the risk level just down a peg and still keep you on track for that goal. Righto.","start_word":1456,"end_word":1506,"intents":[{"intent":"Update projections","confidence_score":0.5628194}]},{"text":"At the same time, I'll do an engine tune up. There's a couple of options I wanna switch out in there, so I'll get the portfolio updated for you. I think just from what I can see you're invested in, there's one or two there that I think I can get the fees a little bit lower as well. And I think if we go for some lower fee options, that will help boost it up as well.","start_word":1509,"end_word":1586,"intents":[{"intent":"Change fee options","confidence_score":0.004259471},{"intent":"Optimize portfolio","confidence_score":0.100170225}]},{"text":"What do you So is there, like, a set amount that you're putting aside, and do you have anything that you need? mean?","start_word":1708,"end_word":1730,"intents":[{"intent":"Assist with finances","confidence_score":0.0031571472},{"intent":"Perform budget checks","confidence_score":9.811431e-7}]},{"text":"So I just wanted to update the cash flow projections. When I had a look at your contributions, it seemed like maybe your income had bumped up a little bit. I'm not Yes.","start_word":1823,"end_word":1855,"intents":[{"intent":"Update cash flow projections","confidence_score":0.19088429}]},{"text":"So if anything happens next year, please feel free to give us a buzz, and I'd be more than happy to kind of walk through some updated plans, any kind of ideas, and a few pros and cons as well.","start_word":2404,"end_word":2443,"intents":[{"intent":"Think about future plans","confidence_score":0.00013930204}]},{"text":"I wanted to stay working a bit longer than sixty, because of the job I've got, Mhmm. it'd be easy for me to be able to work a bit over. Would it be worth me doing that?","start_word":2500,"end_word":2536,"intents":[{"intent":"Stay working","confidence_score":0.18960224}]},{"text":"Would I make enough extra money in my super if I work an extra five years?","start_word":2536,"end_word":2551,"intents":[{"intent":"Make extra money","confidence_score":0.4104483}]},{"text":"Or if you wanna go part time, you can pull out just a small amount to top you up from your super, and we can set up a bit of a pension account for you. Righto.","start_word":2623,"end_word":2658,"intents":[{"intent":"Set up pension account","confidence_score":0.8147359}]},{"text":"Or do I have to actually retire to be able to take a lump sum out of my super? Yeah.","start_word":2694,"end_word":2713,"intents":[{"intent":"Plan retirement","confidence_score":0.06561311}]},{"text":"So when you hit 60, you can access up to 10%, and that can be in any way you wish. It can be monthly payments. It can be a one off lump sum. If you really wanted to, you could hit 60 and, you know, June comes, you pull out 10%, and then July of the new financial year, you pull out another 10%.","start_word":2714,"end_word":2777,"intents":[{"intent":"Access super","confidence_score":0.8677911}]},{"text":"So at the moment, the main thing is I wanna just kind of fix up the q super and the hub portfolio a little bit, reduce the risk down, sort of a few things out there. And then as you get closer and closer and your life changes, just let me know, and I'll adjust things and go through those options with you each year. Righty.","start_word":3121,"end_word":3186,"intents":[{"intent":"Reducing risk","confidence_score":0.008084839}]},{"text":"So these reviews will become a bit more important every year as those options come. Our main job at the moment is just still try and get as much growth Yep. as possible without taking on too much risk. And then when it gets closer, we start moving things, changing accounts, and then we can finish off that retirement planning with you guys. Okay.","start_word":3753,"end_word":3816,"intents":[{"intent":"Discuss retirement planning","confidence_score":0.05992542}]},{"text":"So he's the one that's gonna wanna retire dead on 60. I can probably go a bit longer. Yeah.","start_word":3925,"end_word":3943,"intents":[{"intent":"Discuss retirement timeline","confidence_score":0.0010588119}]},{"text":"access the bank accounts, and whatnot.","start_word":4309,"end_word":4314,"intents":[{"intent":"Ask about bank accounts","confidence_score":0.000015074206}]},{"text":"If it helps so I know a lot of people go online or through lawyers to get wills done, but you can get a power of attorney kit from Australia Post that a government approved, like, $25. So if that helps, there's a few options around. Oh, okay.","start_word":4328,"end_word":4375,"intents":[{"intent":"Discuss power of attorney options","confidence_score":0.10468857}]},{"text":"Do you guys have many sort of split bank accounts under each other's names between different banks, or do you guys tend to kind of bank jointly?","start_word":4424,"end_word":4450,"intents":[{"intent":"Discuss split bank accounts","confidence_score":0.6562956},{"intent":"Consider splitting accounts","confidence_score":0.0004258612}]},{"text":"See, that's the issue is if something happens to you own. and you can't act on your own behalf, he would have to go to the court to sue for probate to get access to the accounts, and a power of attorney would kind of skip that process a little bit. So I I do recommend that you guys look into it just because you guys carry that risk a bit more than others. Okay.","start_word":4503,"end_word":4577,"intents":[{"intent":"Explain risk management","confidence_score":0.000331099}]},{"text":"So I I do recommend that you guys look into it just because you guys carry that risk a bit more than others. Okay.","start_word":4554,"end_word":4577,"intents":[{"intent":"Address risk","confidence_score":0.0023520906}]},{"text":"Well, we do have a joint account where our savings goes into. That's good. But, yeah, the rest isn't isn't joint. Because I just transfer money around, you know, like, from one account to another. But yeah.","start_word":4578,"end_word":4614,"intents":[{"intent":"Describe joint account","confidence_score":0.0055456264}]},{"text":"Because I just transfer money around, you know, like, from one account to another. But yeah.","start_word":4599,"end_word":4614,"intents":[{"intent":"Discuss financial transfer","confidence_score":0.045405407}]},{"text":"So what I that means I would make Shane my power of attorney while he's alive, and then we'd make one of the kids if we're both gone. Is that how it work?","start_word":4617,"end_word":4649,"intents":[{"intent":"Discuss plans with shane","confidence_score":0.039212164}]},{"text":"Financially, obviously, that's what's stopping us doing it now was we would be retired now if we could. Yeah.","start_word":5009,"end_word":5027,"intents":[{"intent":"Suggest financial planning","confidence_score":0.000220531}]},{"text":"Yeah.","start_word":5027,"end_word":5027,"intents":[{"intent":"Consider retirement horizon","confidence_score":0.000039323713}]},{"text":"Oh, perfect.","start_word":5183,"end_word":5184,"intents":[{"intent":"Express satisfaction with retirement","confidence_score":0.00011953673}]}]},"sentiments":{"segments":[{"text":"Hello? Hey, Debbie. It's Tommy here again from OkeView. Is that a little bit better? Yeah. That's a little bit better.","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.10206189006567},{"text":"Yep. Amazing. Amazing.","start_word":21,"end_word":23,"sentiment":"positive","sentiment_score":0.5752490162849426},{"text":"So just to let you know that this call is recorded same as the last. Is that alright? Yep.","start_word":24,"end_word":42,"sentiment":"neutral","sentiment_score":0.23022156953811648},{"text":"Perfect. Perfect.","start_word":43,"end_word":44,"sentiment":"positive","sentiment_score":0.6435114145278931},{"text":"So a couple of main things I wanted to do today. So we've got some information here, and I've been tracking your your old retirement goal that you had with us when you first started with Oakview. Mhmm. And I had you wanting to have around about 500,000 in the super and possibly retiring early towards the age of 60. Does that sound about right? Yeah.","start_word":45,"end_word":110,"sentiment":"neutral","sentiment_score":0.1426399052143097},{"text":"Cool.","start_word":111,"end_word":111,"sentiment":"positive","sentiment_score":0.4145626723766327},{"text":"So I've been looking at some updated projections just to make sure that you're on track for that, and you you came very, very close to it. There's a couple little things that I need to do to make sure we can get you there. Mhmm. And then you've had some changes to the old QSuper account. I don't know if you guys talk at work about what happens when you turn 55 with those ones. Yeah. That's all been done. So Okay. that's been So transferred over. That that was the the defined benefit, retired benefit or something, and that finished when I turned 55, Yep. which is beginning of this year. And we transferred it over to the accumulation fund, and I Yep. took out 9,000. I think I ended up selling when you take all the tax net out. So leave 16 Yeah. thousand leave 16,000 left in there now. Oh, perfect. Okay. So you already did the nomination. You got Yep. the so I'm just having a look at the split there. So the amount kept deferred retirement benefit, that was $9.5. You would have taken that out, got a little bit of tax, and then the other 14 just straight across into the accumulation account. Yep. So what I need to do but I think I gotta ring hub to do that. I need to transfer it over into my hub account. Yeah. We can sort that out for you. I just wanted to double check in terms of they still seem to have a little bit of insurances attached to it, a bit of life and disability cover. Oh, yeah. And I'm just wondering, do you want me to just, like, keep that running for a little while longer, or do you wanna close it? It's about 45,000 worth of life insurance and disability insurance. So it's about to keep it. I can't transfer it. Is We that can right? transfer the bulk of it over. We normally just keep a minimum just to make sure insurances and other benefits aren't lost. Like, I can do a movement of most of it if you'd wanna go that way. But if we close it, they'll they'll delete the insurances. That's all. Yeah. Well, I don't have any insurances on the hub one, so it probably wouldn't hurt to have a bit of insurance on that one. Yeah. And I don't honestly, I don't think we'd be able to get too much on there. I can do a bit of a quote up because you've got a pretty a pretty office based role. Senior payroll officer for UGL. Yep. Yeah. So do you want me to see if I can get maybe just take a little bit of, like, life insurance through the hub in order to get that across? Yeah.","start_word":112,"end_word":586,"sentiment":"neutral","sentiment_score":0.0016174866180670888},{"text":"I just don't wanna pay a fortune. That's that's why I've I've got rid of it all. Because I had it all, and then I asked for it all to be taken out because I felt like I was spending more money in fees. And and I have I might I am only five years off retirement, so I'm hoping I'm not gonna need insurance.","start_word":587,"end_word":651,"sentiment":"negative","sentiment_score":-0.4372866153717041},{"text":"So it's just nice to have that little bit of a buffer in case something does go wrong.","start_word":652,"end_word":669,"sentiment":"neutral","sentiment_score":0.07985292375087738},{"text":"That's exactly one thing because I'm trying to get through somebody else. I reckon we'd be starting to creep up into the thousand, $2,000 mark. And it's just gonna eat away at the super.","start_word":670,"end_word":703,"sentiment":"negative","sentiment_score":-0.5495765805244446},{"text":"So I'd be more inclined to keep that QSuper going just for a little while because it's it's like $2 a week for the the life insurance. It's pretty cheap. Righto. So just keep that going.","start_word":704,"end_word":739,"sentiment":"positive","sentiment_score":0.4626956284046173},{"text":"So then if something does happen, I can at least claim that life insurance through that. Hey. Yeah. And then when Yeah. you hit 60, we can close it all and put it into the pension account when you no longer need it. Righto. Okay.","start_word":740,"end_word":784,"sentiment":"neutral","sentiment_score":0.20054224133491516},{"text":"That sounds good. Let's we'll do Cool. I'll just leave it as it is.","start_word":785,"end_word":798,"sentiment":"positive","sentiment_score":0.44729307293891907},{"text":"And you've got your contributions going in there, so I can I can move a bunch across into the good portfolio because I know QSuper's had a bit of a wild ride in terms of returns? Don't know if you guys talk at work much, but the 4.9% for five years has been extremely low. They used to be the best or top three. Well, yeah, I've never found them good, which is why I come over went over to Hub. Yeah. So what I'm gonna do is I'll see how much we have to keep in there to keep it open because the contributions keeps it active. And then usually the minimum 6,000, maybe maximum of 10 that we need to keep. Anything else I can kind of move across and then wait till 60 for the rest. What contributions going in there? I did have you actually, they may actually be going into Yeah. the other account. Sorry. I'm sorry. I shouldn't have any money well, I thought I transferred everything over into hub. No. You are right. Sorry. Your salary sacrifice and everything is going into hub. It's just the the remaining balance in q super at the moment. You are right. Sorry about that. That's alright. So that's all going in there at the moment. So I'll double check the old opt in to see if we need to do anything. Have you opted into that cover before online or over any forms to make sure it doesn't No. I don't really know what you just asked, but I've done nothing with the super account. Is that what you mean? The q disappear? super? Yeah. There's usually like something called an opt in button where you you hit a button and it says, oh, you're opting in to make sure we don't close your insurances prematurely. It's just basically just like a notice to them, really. Oh, no.","start_word":799,"end_word":1120,"sentiment":"neutral","sentiment_score":-0.0008921198147748198},{"text":"I've never done that. Never didn't even yeah. I don't Cool.","start_word":1121,"end_word":1131,"sentiment":"negative","sentiment_score":-0.44715842604637146},{"text":"even I haven't What I even might been do online with them. oh, fair enough. I'm gonna dive in. I'll get in touch with them and see what the easiest way is to do that.","start_word":1132,"end_word":1166,"sentiment":"neutral","sentiment_score":0.09018117934465408},{"text":"And then what I'm thinking is we just opt into that, keep the minimum that we need to, and that way the insurances are there for the next five years, and then everything can just roll into the hub, and that's all good. Okay. Perfect. Cool.","start_word":1167,"end_word":1212,"sentiment":"positive","sentiment_score":0.4326947331428528},{"text":"And then what I mentioned about the the retirement goal sort of thing is you're getting close to 300,000 in the hub. You've got Yep. that bit of money in the queue server as well. So to get it from the three to the five, this is honestly the crunch period where you get your last good returns, but then you also don't wanna risk it all because you don't wanna be sitting there at 59, stock market crashes for the global financial crisis again or COVID, and then you lose 200,000. So I need to be very, very careful in the risk level just to make Mhmm. sure I can get you up to the 500. And then that way, when you hit sixty sixty one, you can pretty much just hang up the boots. Right. So let me have a quick look at the investment here. So you're in a growth portfolio. That's probably the part that's a little bit of a concern because normally you wanna have seven or eight years left to be at a growth because it's kinda like a four out of five on the risk scale. And I'm thinking maybe we drop it down a peg to, like, a three or so or a three and a half just to still keep it growing, but just make sure we're not risking too much in case something explodes in the next Yep. Right. couple of years. K. So I'm gonna do some updated projections. I'll do the opt in for the q super. I'll see what we can move between the accounts, and then I'll see if I can just reduce the risk level just down a peg and still keep you on track for that goal. Righto.","start_word":1213,"end_word":1506,"sentiment":"neutral","sentiment_score":0.03361441278956881},{"text":"Sounds good.","start_word":1507,"end_word":1508,"sentiment":"positive","sentiment_score":0.5229596495628357},{"text":"At the same time, I'll do an engine tune up. There's a couple of options I wanna switch out in there, so I'll get the portfolio updated for you. I think just from what I can see you're invested in, there's one or two there that I think I can get the fees a little bit lower as well. And I think if we go for some lower fee options, that will help boost it up as well. Yep. Does that sound okay? Yep.","start_word":1509,"end_word":1592,"sentiment":"neutral","sentiment_score":0.2522716820240021},{"text":"That sounds good. Cool.","start_word":1593,"end_word":1596,"sentiment":"positive","sentiment_score":0.5691658854484558},{"text":"So I'll put that research together over the next couple of weeks, update some projections for you, and then I'm gonna get Michelle to book us in, and we'll just run through that, make sure you're happy before I touch anything, and answer any questions you've got. Yep.","start_word":1597,"end_word":1644,"sentiment":"neutral","sentiment_score":0.30505257844924927},{"text":"Sounds good.","start_word":1645,"end_word":1646,"sentiment":"positive","sentiment_score":0.3945103585720062},{"text":"Now last couple of things I wanted to touch on with you before I let you go is just in terms of any other main, like, cash flow priorities for you, because you're obviously doing the salary sacrifice. There was Yeah. mentions of holidays and things like that. What's your your focus for the next couple of years with your savings? What do you So is there, like, a set amount that you're putting aside, and do you have anything that you need? mean? You know, you're obviously finishing off the mortgage, Any debts and things like that, you're just trying to prioritize? Yeah. I'm just trying to get the the mortgage down and my car paid off and that sort of stuff over the next few years. Yeah. Because I've got you there with the there's a caravan, a boat, a few cars, and the home. And I'm sort of thinking, are you still okay to do that salary sacrifice and then focus the rest on the mortgage and the car loans? Yes.","start_word":1647,"end_word":1820,"sentiment":"neutral","sentiment_score":0.050168902281372024},{"text":"Cool.","start_word":1821,"end_word":1821,"sentiment":"positive","sentiment_score":0.3350486755371094},{"text":"Alright. So I just wanted to update the cash flow projections. When I had a look at your contributions, it seemed like maybe your income had bumped up a little bit. I'm not Yes. sure if you've done your tax return for the year, but are you sitting in around a 105,000 now, or is it still back towards the 90 mark? Nah. I think it's a 105 now. Yep.","start_word":1822,"end_word":1891,"sentiment":"neutral","sentiment_score":-0.01964276283979416},{"text":"Perfect. That's what I worked back on the contribution, so that makes sense to me.","start_word":1892,"end_word":1906,"sentiment":"positive","sentiment_score":0.387735903263092},{"text":"We've got you on some partner fee discounts with us. We've Shane 1.1% with the partner fee. Just to let you know that we do have, at Oakview, some tiered fees coming along next year. So for everybody above 200,000, there's some discounts. And above 500,000, we do provide some further discounts as Oh, awesome. well. But we have had to increase the the lower fee next year just because we haven't touched it for five years. And, obviously, the electricity has gone up, and the taxes have gone up and everything's gone up. So when we come to the review next year, I'll make sure I've got an updated calculation for you just to factor in the discounts and everything and make sure you know what we'd be charging then as well. Make sure you're still happy with it. Right. Yeah. Cool. Last couple of details. I've got the income. Just in terms of the mortgage, it was at $2.20 at the time. Do you know what it's sitting Yep. out at the moment? Yeah. It's still a bit the same. Still about the same. And and what about the the valuation? I'm not sure how often you would check the value of it these days. Well, we actually just got an appraised not too long ago because we've been thinking about selling it and moving to her. So, her son's about buying a block, but that may not happen yet. But, yeah. So the house is based around 800 at the moment.","start_word":1907,"end_word":2160,"sentiment":"neutral","sentiment_score":0.06561997034183638},{"text":"Okay. Amazing.","start_word":2161,"end_word":2162,"sentiment":"positive","sentiment_score":0.5582790970802307},{"text":"And potentially over the next couple of years might sell that often. So what just kind of, like, jump on a block with with your son and and build, like, what, a couple of dwellings on there or sharing in in the same house? Or Well, the idea is he's looking to buy an eight a 100 acres. oh, And yeah. the idea is the he's actually looking at a property, but probably won't become available till next year. But, you know, it may not happen yet. But the idea is is we sell this and we build our dwelling on his block, like, a tiny house or a shelf or something like that. So Yeah. that's ideally what we wanna do because then that'll get us debt free quicker and Yeah. money in the bank quicker.","start_word":2163,"end_word":2299,"sentiment":"neutral","sentiment_score":0.12199128419160844},{"text":"And while I'm still working and not paying any bills, it'll help boost my super as well. So that's that's what we want to do. We just gotta see if we can make it happen. That's amazing because that's becoming more and more common these days. I'm seeing the sort of multi generations linking in together, and we're starting to do a lot more estate planning advice where we're talking to people, their children, their grandchildren about those arrangements, how to put them in on paper, and just trying to make sure everyone's looked after.","start_word":2300,"end_word":2394,"sentiment":"positive","sentiment_score":0.4118131399154663},{"text":"Sometimes we jump into aged care conversations as well. So if anything happens next year, please feel free to give us a buzz, and I'd be more than happy to kind of walk through some updated plans, any kind of ideas, and a few pros and cons as well.","start_word":2395,"end_word":2443,"sentiment":"neutral","sentiment_score":0.2514052093029022},{"text":"But it does sound like a great idea.","start_word":2444,"end_word":2451,"sentiment":"positive","sentiment_score":0.5056270956993103},{"text":"Yeah. It's a good idea, but whether we can make it happen or not, it's a different thing. Yeah. Yep. Just gotta sort of go through the motions and see what happens or not. Also, while I'm talking to you, just a question. If I decided Yeah.","start_word":2452,"end_word":2498,"sentiment":"neutral","sentiment_score":0.0445590615272522},{"text":"I wanted to stay working a bit longer than sixty, because of the job I've got, Mhmm. it'd be easy for me to be able to work a bit over. Would it be worth me doing that?","start_word":2499,"end_word":2535,"sentiment":"positive","sentiment_score":0.44706854224205017},{"text":"Would I make enough extra money in my super if I work an extra five years?","start_word":2536,"end_word":2551,"sentiment":"neutral","sentiment_score":0.2958470582962036},{"text":"Yeah. It's actually one of the best strategies anyone can ever do. It's something called a a transition to retirement, a TTR. Basically, what we can do is if you're still working, we can either do two things. Do a recontribution where you pull some money out of your super and put it back in again for, like, a tax deduction and boost it up that way with the tax differences. Or if you wanna go part time, you can pull out just a small amount to top you up from your super, and we can set up a bit of a pension account for you.","start_word":2552,"end_word":2657,"sentiment":"positive","sentiment_score":0.4450676739215851},{"text":"Righto. So what if could I do if we still because we'll still owe money on the mortgage. Could I could I use some of my super to pay out the mortgage and keep doing that? Or do I have to actually retire to be able to take a lump sum out of my super? Yeah. So when you hit 60, you can access up to 10%, and that can be in any way you wish. It can be monthly payments. It can be a one off lump sum. If you really wanted to, you could hit 60 and, you know, June comes, you pull out 10%, and then July of the new financial year, you pull out another 10%. So there's different ways of doing it, and it really depends on what happens with health and work over the next five years, what happens with the property, the mortgage, and that idea you were telling me. And then once you Nice. do hit 59, we do pre retirement planning with you guys, and we'll work out where's best to move all the money around when you hit 60 and what type of accounts we need to set up. Okay. Righto. So Shane turns Is kinda that okay? he turned 60 two years before me. So Yep. is there a super always gonna stay separate or does it get combined? Or how does that work once you get to retirement age? So once you get there, it still says separate, and then it just turns into so when you know how they say you're an you're an accumulation account with QSuper? Yeah. That's when all your money is locked away and preserved. And then when you hit a condition of release, like hitting 60, fully retiring, and so on, you can then actually move the money from an accumulation account into one of two pension accounts. One is the transition one if you're still working, which is up to 10% can come out, or there's a full account based pension where you're fully retired and you've got access to the whole lot. Righto. But you can never there's never a time where you can take a lump sum out of your super if you're fully Pre retired. retirement, 10%. If you're fully retired, you hit 60, you can pull out the whole lot. 10% Okay. is the max we can do as a lump sum, as a one off, unless there's you know, if you hit TPD where you're disabled, then you'll get the insurance and the super then. Yep. Righty. Okay. Yeah. Sorry. So I'm just a trying few ideas. to think of Don't all need of my to plan options. it all now, but Yeah. yeah. And that's what we do.","start_word":2658,"end_word":3120,"sentiment":"neutral","sentiment_score":0.13685284809211418},{"text":"So at the moment, the main thing is I wanna just kind of fix up the q super and the hub portfolio a little bit, reduce the risk down, sort of a few things out there. And then as you get closer and closer and your life changes, just let me know, and I'll adjust things and go through those options with you each year.","start_word":3121,"end_word":3185,"sentiment":"positive","sentiment_score":0.35315048694610596},{"text":"Righty. And does 500,000 each sound a reasonable amount to retire on? Yeah.","start_word":3186,"end_word":3198,"sentiment":"neutral","sentiment_score":0.25008612871170044},{"text":"Great question.","start_word":3199,"end_word":3200,"sentiment":"positive","sentiment_score":0.4687417447566986},{"text":"So have you ever looked up the government retirement standard before? No. So it's just a bit of an estimate from ASFA, ASFA, and they basically say that, you know, for a comfortable lifestyle, you you wanna have as a couple around $78,000 a year worth of income coming out as a bit of a benchmark. Mhmm. Now to produce 78,000, you basically need one of two figures. If you had $780,000 between you, you could pull out 10% of that balance, and it would still last around about twenty, twenty five years until you hit your nineties. So you need a minimum of $7.80 combined to hit that amount. Now if you doubled it just for for argument's sake and you had 1,500,000 just just for argument's sake, you could pull out that $78,000 a year, and it would never go down. You would kind of earn 5%, pull out 5%, and you would always have $1,500,000 sitting there. So the range is from $7.","start_word":3201,"end_word":3366,"sentiment":"neutral","sentiment_score":0.14340481332626687},{"text":"80 to 1.5, anywhere in between, and you're on track. Right. So we we are in a good position to be on track. I've been trained I can on definitely 400 get yours thousand to at the the moment.","start_word":3366,"end_word":3404,"sentiment":"positive","sentiment_score":0.44509589672088623},{"text":"let me have a quick look.","start_word":3405,"end_word":3410,"sentiment":"neutral","sentiment_score":0.23042204976081848},{"text":"I can definitely get yours towards that 500 mark, like I was saying, by 60.","start_word":3411,"end_word":3425,"sentiment":"positive","sentiment_score":0.36644959449768066},{"text":"And then if you worked an extra couple years, that would help as well. Yep. And if Shane's on about 400,000, then, yeah, trying to get that the last 100 or 2 on a pretty good track. The only main issue you've got is still having the mortgage there. But yeah. Yeah. I know. That's why I was hoping But it's because not I've got sorry? sorry. Debbie, go for it. I'm just gonna say the actual mortgage, if I can't put any more in it than what I'm putting in there at the moment, because I'm already paying more than I I need to. I've got twelve years left. So that's Gotcha. so that's how much is left from the contract. So I'm that's why I'm thinking maybe I worked until I'm 67. There you go, the 60. And I'll have the mortgage paid off Yeah. maybe So a that's couple a bit of of years a sooner. worst case scenario. Yeah. And then I don't have to Well dig into my super to pay off the mortgage. yeah. But worst case scenario, like, unless you're wanting to be quite extravagant with the retirement lifestyle, let's say you hit 63. You could pull out the last $100,000, pay off the mortgage, still have enough for a comfortable amount for a lot of years. And even as the surplus slowly goes down, the age pension will top you up towards the end as well, and that'll keep you going too. So it's not like you have to go to age 67. I definitely think you guys will retire somewhere between 60 and 67. But when we get there, we can move money around where we need to. Like, you don't have to go the full twelve years. We can stop a few years early, pay off a little bit with the soup, and you should still have enough. Yeah. Righto. Okay. That sounds Okay.","start_word":3426,"end_word":3749,"sentiment":"neutral","sentiment_score":0.04660807929381176},{"text":"good.","start_word":3750,"end_word":3750,"sentiment":"positive","sentiment_score":0.35093677043914795},{"text":"Mhmm. Cool. So these reviews will become a bit more important every year as those options come. Our main job at the moment is just still try and get as much growth Yep. as possible without taking on too much risk. And then when it gets closer, we start moving things, changing accounts, and then we can finish off that retirement planning with you guys. Okay. And is Shane having one Cool. of these? He hasn't got his I don't think he's got his appointment yet. Because he's probably been need Let to look me at all have this too a quick because he look. he wants to retire in two and a half years. Two and a half years. Alrighty. Got a Oh, bit well, three. He's 57. So he want he's not working of a day past sixty, apparently. a no. He's That's okay. he he works in retail. He is he works on his own. He's working his ass off, and he's getting worn out. He's getting too old. So yeah. So he's the one that's gonna wanna retire dead on 60. I can probably go a bit longer. Yeah. So I think he's actually coming up now. I can see that he had a bit of a date there on our system for the September 26. So Oh, what okay. I'm gonna do is I'll get the team to reach out soon to get him booked in. And then look. Staggered retirement's fine too. If there's a couple of years difference where he goes, look, I'll stop at 60 and you go through to 63 for those five years difference, that shouldn't cause too much trouble. We can work with that. Righto. But Yeah. definitely worth having that conversation with him, make sure everything's on track well, And then possibly next year or the year after, we should probably have both of you guys on the same call just to have a bit of a joint chat, make sure we're we're pretty serious about what when we change the major changes. Yeah. Righto. That sound And in okay? the meantime, I'm gonna win the lotto and pay the mortgage off, so we'll be fine. Easy done. Let us know, and I'll take it off the system there. Depends how much it is. I might even give you a tip. No. You've done enough for us.","start_word":3751,"end_word":4149,"sentiment":"neutral","sentiment_score":0.0717500847085078},{"text":"Thank you for that, Debbie.","start_word":4150,"end_word":4154,"sentiment":"positive","sentiment_score":0.525945782661438},{"text":"What I would like to just quickly touch on, Shane, we've got listed as the beneficiary for your super for the estate planning. Yes. But I had a note here, and please forgive me if this is out of date just because system removed everything across. Says that you had a company online will that you may have put in place in 2021 that you were possibly needing to update just in terms of wills and powers of attorney. Yeah. We did do, like, an online one. Would have been probably that how long ago? 2020. 2021. Yeah. Yeah. I don't even remember who we did that Hopefully, it's just registered with the government courthouses there, and it's it's findable. I was just gonna through. ask if you remember doing anything in terms of putting in place a power of attorney. So, you know, if you're sick, someone can talk to the doctors, No.","start_word":4155,"end_word":4308,"sentiment":"neutral","sentiment_score":-0.002919370272233114},{"text":"access the bank accounts, and whatnot.","start_word":4309,"end_word":4314,"sentiment":"negative","sentiment_score":-0.3745449781417846},{"text":"Yeah.","start_word":4315,"end_word":4315,"sentiment":"neutral","sentiment_score":-0.16225366294384003},{"text":"No. We haven't we haven't gone that down that road yet.","start_word":4316,"end_word":4326,"sentiment":"negative","sentiment_score":-0.382550984621048},{"text":"Yeah. If it helps so I know a lot of people go online or through lawyers to get wills done, but you can get a power of attorney kit from Australia Post that a government approved, like, $25. So if that helps, there's a few options around. Oh, okay. Righto. Yeah. Well, it's something that we've we know we're gonna look at, but, you know, because we we're so well now, we haven't really thought about it. But I guess it's something we're better off to do sooner rather than later in case something does happen. Yeah. Do you guys have many sort of split bank accounts under each other's names between different banks, or do you guys tend to kind of bank jointly? We've got one savings account jointly, and the other account pretty much is in my name. You know, like, working account, day to day account, that sort of stuff. Grandkids account, all that sort of stuff. Shane hasn't actually Yeah. So got an that's account the on main his risk you've got.","start_word":4327,"end_word":4502,"sentiment":"neutral","sentiment_score":-0.005480777472257614},{"text":"See, that's the issue is if something happens to you own. and you can't act on your own behalf, he would have to go to the court to sue for probate to get access to the accounts, and a power of attorney would kind of skip that process a little bit.","start_word":4503,"end_word":4553,"sentiment":"negative","sentiment_score":-0.3625662624835968},{"text":"So I I do recommend that you guys look into it just because you guys carry that risk a bit more than others. Okay. Well, we do have a joint account where our savings goes into.","start_word":4554,"end_word":4589,"sentiment":"neutral","sentiment_score":-0.07481779158115387},{"text":"That's good.","start_word":4590,"end_word":4591,"sentiment":"positive","sentiment_score":0.4277467727661133},{"text":"But, yeah, the rest isn't isn't joint. Because I just transfer money around, you know, like, from one account to another. But yeah. Okay. So what I that means I would make Shane my power of attorney while he's alive, and then we'd make one of the kids if we're both gone. Is that how it work? Or not live, but, I mean, Yeah. able, Yeah. you Something know, like able that. to do our own thing. Yeah. The only thing I can't recall is if those basic kits, if they how many steps you can go. I think they do one or two. I just can't quite recall, but definitely worth having a look at for the price, definitely. Right there. Alright. We'll look at that. Alright, Debbie. Anything any other questions for me at this point? No. No. I think we're all good.","start_word":4592,"end_word":4736,"sentiment":"neutral","sentiment_score":0.02343904193619202},{"text":"Cool.","start_word":4737,"end_word":4737,"sentiment":"positive","sentiment_score":0.4537076950073242},{"text":"What I'll basically do is again, we'll do the risk standardize, fix the following a little bit. I'll see what we'll do with the Q's moving around so the insurances don't disappear. And then I've put in a few notes there about possibly that plan you guys are doing with your son if that comes to fruition next year. If not, we'll kind of have that plan to talk to Shane about when he hits 60, and then afterwards whether you go past 60, whether we pay off the mortgage, do a bit of a transition strategy, and I've put all that in the system so everyone can see kind of the direction that we're looking at together.","start_word":4738,"end_word":4855,"sentiment":"neutral","sentiment_score":0.14186875522136688},{"text":"Yep. That sounds good. Amazing. Alright.","start_word":4856,"end_word":4861,"sentiment":"positive","sentiment_score":0.5548888444900513},{"text":"So leave it with me. I'll dive into a few things, and then I'll talk to you in a few weeks once I've got those updated plans put together for you. And I will get someone to reach out to Shane for his review as well.","start_word":4862,"end_word":4907,"sentiment":"neutral","sentiment_score":0.23742078244686127},{"text":"Awesome. Thanks very much. It's exciting.","start_word":4908,"end_word":4913,"sentiment":"positive","sentiment_score":0.7681471705436707},{"text":"Retirement's No getting worries a at bit all, Dean. closer, but it's not close enough for our liking. Actually, can I ask you before you go, how often do you guys think about it, and and is it exciting to think that it's coming close to where you don't have to don't have to go in and clock in? Yes. We think that all the time these days. Yeah. Shane more so because he's closer than me. Because I've got Yeah. a caravan, we just wanna travel. We go away for a month every year. Financially, obviously, that's what's stopping us doing it now was we would be retired now if we could. Yeah. So, yeah, definitely some it's something we never thought about probably twenty years ago. But as we're getting closer Yep. and we see a super growing, we think about it more and more. And then we start to worry, are we gonna have enough? Are we gonna be able to retire? I'm gonna be Yeah. those people who gotta work to 80. Yeah. That's that's sort of things.","start_word":4914,"end_word":5095,"sentiment":"neutral","sentiment_score":0.05774094966741709},{"text":"Well, to be honest, you guys are doing all the right things to make sure you can, and I'm pretty confident that you'll get there.","start_word":5096,"end_word":5120,"sentiment":"positive","sentiment_score":0.5830824971199036},{"text":"And, look, we'll do our our bit alongside you to tweak a few things here and there just to get it up there. But I've seen a lot worse positions than you guys, and I think you're in a pretty good spot, you know, despite having the mortgage there. I think you'll still get to the end point and definitely be okay.","start_word":5121,"end_word":5182,"sentiment":"neutral","sentiment_score":0.0859597697854042},{"text":"Oh, perfect. That's yeah. That's nice to hear.","start_word":5183,"end_word":5190,"sentiment":"positive","sentiment_score":0.4518563449382782},{"text":"Because I mean, it's okay for me to think it, but for someone, like, in your position to tell me that, I think, okay.","start_word":5191,"end_word":5214,"sentiment":"neutral","sentiment_score":0.26670143008232117},{"text":"Well, we are still going on the right track then.","start_word":5215,"end_word":5224,"sentiment":"positive","sentiment_score":0.4714387357234955},{"text":"Yeah.","start_word":5225,"end_word":5225,"sentiment":"neutral","sentiment_score":0.3076851963996887},{"text":"That's the best part of my job is I do have the clients that as they retire, we set them up with a pension Yeah.","start_word":5226,"end_word":5250,"sentiment":"positive","sentiment_score":0.4384022355079651},{"text":"account, and we go, look, here's your monthly payments to live off. And when you want that $10.20 grand to go to Europe, there you go.","start_word":5251,"end_word":5276,"sentiment":"neutral","sentiment_score":0.30682194232940674},{"text":"And then they get to send us a photo from their trip, put it on the office there, and everyone has a bit of a laugh and and a bit of a smile.","start_word":5277,"end_word":5309,"sentiment":"positive","sentiment_score":0.5185985565185547},{"text":"And then we just have that conversation a few years later. They're probably spending a bit too much. They have to go to Europe every six months, maybe just slow down a little bit. Yeah. Actually, that is one of our bucket list. Go to Europe and Las Vegas. That's two places we wanna go. Not necessarily in the first six months of retirement, but at some point before we get too old.","start_word":5310,"end_word":5382,"sentiment":"neutral","sentiment_score":0.09440117329359056},{"text":"Perfect.","start_word":5383,"end_word":5383,"sentiment":"positive","sentiment_score":0.5865179300308228},{"text":"Yeah. No. I think that'd be lovely, and I'll I'll factor that in too.","start_word":5384,"end_word":5397,"sentiment":"neutral","sentiment_score":0.297260046005249},{"text":"But look, thank you very much for taking the time to chat to us, and and it really helps to be able to just have these quick chats, update a few things, and then we can do our bit. So I just wanna say Awesome. Thanks very thank much, Tom. you.","start_word":5398,"end_word":5448,"sentiment":"positive","sentiment_score":0.6300515532493591},{"text":"No.","start_word":5449,"end_word":5449,"sentiment":"neutral","sentiment_score":0.13520076870918274},{"text":"Awesome. Good. Talk to you soon. Okay. See you. Bye. Cheers.","start_word":5450,"end_word":5460,"sentiment":"positive","sentiment_score":0.522622287273407},{"text":"Bye.","start_word":5461,"end_word":5461,"sentiment":"neutral","sentiment_score":0.3269203305244446}],"average":{"sentiment":"neutral","sentiment_score":0.10382482923310378}}}}