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If I could just pass you through security just with that name, date of birth, and current address, we'll get stuck into that one. Perfect. Thank you for that one there, Allison. Now the reason I had you booked in there was mainly due to, obviously, having your retained account. I know you were sorta just waiting on the results of, like, your roster and how much you'd be working and things before looking at doing a potential rollover or just revisiting your retention strategy. Is that correct? Yeah. So with that one there, I just had it here that it was to to reach out in the new year regarding that one just because you didn't have your your roster or when you'd be free for a call to have a discussion around it. So you you sent through your your statement. When was that about? Sorry. I'll just see if it's the most recent one I'm looking. Yep. And have you forwarded that through to us at all? Just see if I can see that one. And was that the info for you financial, was it? Sorry. Yes, sir. Just because we've been through a system change, I'm just trying to find the actual document that Yep. Let me just So as I said, there's been a bit of a system change. I'm just trying to make sure I've got the right one. Yeah. And I'll do the 12/15/2025. Perfect. Brilliant. And, yeah, it has 35,000 there. Now in regards to that one there, Allison, now, obviously, you've been doing just the retention review, the 10 over $10,000. Now with that one, just because it has been a few years there as well, generally, we would like to review it just in general in terms of making sure it's still appropriate. Your investment is still up to date. Now within regards to your portfolio there too, Allison, there is one asset within the active portion of that fund that hasn't been performing too well and then in recent years has not performed the best as a whole either for the price you pay for a managed account. So we were looking at potentially removing that and substitute for a different investment moving forward, which we would have to provide in the advice document there as well. Now if you're you're comfortable, obviously, we'll just put together the advice piece. We wouldn't be doing the rollover just this yet. We'd be using that statement there. We'd put the advice piece together based on that. And if you're happy with everything else and how everything else is tracking, then we can just look at doing just an investment update of that retention review. Or if you is there anything else that you want addressed? We can have a look at that as well. Yep. Yep. Yeah. Yep. In terms of your salary sacrifice, yeah, it is up to payroll at the end of the day. So with in regards to your employer, do you get the 12% and then plus the 5% that you're contributing extra at the moment? So it's like 17% total. Yep. We can show you in that document what it looks like going up to the 7.5%. Obviously, with that as well Yep. Okay. Yep. Yep. Because with that one there as well, because I know you do have the personal loan still that you're looking to pay down and the car there as well now would increase Yep. And you'd be, like, still able to make those repayments if you did increase that? Yep. And do you know roughly as an annual amount if you sort of average out the weeks you work and how many hours what that yep. And how many hours is that roughly on a weekly basis with that? Perfect. And then, obviously, you'd like to just get the penalty hours and things like that for different hours? Yeah. Four nightly. Yep. So So to bump the a $60,000 salary up to, like, the 75 with the additional penalty rates and things like that? Yep. Yep. And then, yeah. And with the personal loan, if you don't mind me asking, how much debt value is left on that one at the moment? Yep. Okay. Perfect. And then the car loan sitting around the 30 mark? Yep. Yeah. Yeah. You're just sort of paying it off. Yep. Brilliant. And then as far as your role, are you still considered an assistant nurse? Are you full time, like, nurse assistant nurse? Yeah? So you're no longer in the aged care section? Yep. Yep. No worries. I'll just update that. Brent, and then as far as the the goals that you're still working towards, I know you're sort of just looking at sort of paying down the debts as the main thing before, like, you were looking to retire and then saving up a little bit to be able to spend some time with the the family and do a bit of travel around Australia. Is that sort of still the main thing? Yep. Yep. Yep. Okay. Yep. Yep. Yeah. And I it it is. And then you you might get additional long service leave for being there for an extra yeah. Right. Perfect. And then when it comes down to your investment, as I said, it's just sort of more that we've identified that we wanna look at removing those investments. One, due to the fact that it it is no longer available sort of in a a few years as they they are phasing it out. And then within regards to the the Ben Long, it is an active portion within the fund, and it is an actively managed to try and outperform that market. Now there is an option to replace it with an active alternative or given that you are sort of, you know, approaching 60 where you potentially look at potentially maybe making some withdrawals, whether or not be for fully retiring, but for other expenses if you do take a holiday, things like that as well. Would you look be more comfortable with a passive investment option that is a little bit more, like, cheaper that just tracks the index, or do you still want an active portion to be able to outperform the market potentially for a smaller portion of your portfolio? Conservative? The GFC 2008 there? Yep. Yeah. Yeah. No. Completely understandable. It's what happened to a lot of people, unfortunately. So with that one there, you are in a balanced growth portfolio. And then with that, you still have an active portion within that even though that you're sort of around that sixty forty sort of split in terms of, like, growth assets to defensive assets. You're still aim to get a little bit of growth out of your super while not sort of putting too much at the risk of the markets. Now in relation to that one, obviously, we can look to potentially do, like, a full update of your portfolio and then use the the losses of that Ben Long to offset any capital gains to potentially look at just updating as a whole moving forward given your time on board. Or we can just look to update those few ones that I spoke about there because, like, your heavy metals have been going quite well, your gold and your silver, and then the battery and the fintech's also done quite well. It's just in regards to techs taking a little bit of a dip, and then at the start of this year with that been a long fund given that it had an asset in the end of last year that was announced they weren't reporting correctly, which means that they lost a bit of consumer confidence in not only the fund, but also, yeah, the managers themselves and their ability to to move forward, if that makes sense. Yeah. So we can look to do oh, sorry. Yeah. We can look to do just a more passive approach within line of that balance growth. Now it wouldn't mean that you're sort of losing any sort of asset to the growth to be able to still get those potential returns. It just means that you wouldn't be actively trying to outperform the market, and it's actually a little bit cheaper in terms of, like, ongoing investment costs as well. Yeah. No. A 100% we yeah. I completely understand. And when you hit 60 as well, there's actually strategies we can do to utilize your eligibility to potentially make drawdowns because you can draw down from your super and not not form part of, like, your your taxable income there because you've already drawn it down from, like, a pension, and it can do up to 10% per annum, and then you can contribute from your wages into superannuation. So what you're basically doing is you're paying tax at the super rate of 15% instead of at the the rate that is your marginal tax rate. And it actually works out that you help contribute a bit more to your super after the age of 60 because you're paying a little bit less in those taxes to be able to bolster it up a little bit for those years that you are working after the age of 60, if that makes sense. But in saying that now, you're still getting the benefits of being taxed at that 15% and putting more into your super for that bit of growth over the next sort of ten year period as well, even though you can't do that transition to retirement strategy just yet. Yeah. The same take home pay. Yeah. Exactly. That's what those strategies look towards. So, yeah, very, very similar in what that was sort of yeah, in regards to that. Yes. So if he did wanna sort of look at doing one of those transition to retirement strategies, feel free to have him reach out to us there, and we can sort of have that conversation about about that and what that sort of looks like and what you can do to to help sort of grow that towards your retirement. Does that make sense? Yep. Yeah. It it's not to say that you you can't have, like, the singular one, but in saying that in regards to you can't you do sort of get some benefits to having it with your your employer as well. And I believe it was even me that spoke with your partner previously about those transition to retirement strategies. So we could revisit that if you'd wanna sort of go down that route and look at Yep. Yeah. And even and then if you sort of still felt like you did need to work, you can sort of utilize your super a little bit as well. It's sort of the Centrelink entitlements once you hit that 67 to, like, not have to work as much and sort of still be able to draw down some form of income from either Centrelink or your superannuation there as well after that 67, but you can also utilize that in that after the age of 60 mark as well. Yeah. Yeah. Well, that that's good to hear as well. But, yeah, like you said, you've done the the hard yards now. Yeah. Now so you're looking to sort of make sure you're getting something for your retirement there at the end of the day as well. Yeah. Yeah. So you sort of want that that time to be able to do that sort of. Yeah. Yeah. It definitely gets hard, especially when you're busy with work trying to see, you know, grandkids and things like that. Yeah. And it it seems like it's working quite well for you and your sort of lifestyle and everything as well at the moment at least, which is good. Perfect. And I will do a quick risk profile just because we are potentially looking at or are looking at look updating those investments, Allison. So in regards to investing, have you had direct shares prior or anything like that? Yep. Yep. And you said in regards to risk, you're still quite conservative in relation to, like, the cost of living and the rising prices. Are you still willing to take on sort of a moderate amount of risk to try and outpace that inflation and get a return out of your superannuation? Yep. No problem. And much like sort of COVID period where your super did take a a dip there and it went back like 20% there, would you be quite concerned? Would that make you wanna sorta shift out of, like, investing and be more, like, defensive, or would you just hold and wait, you know, given that you've got the time still working life behind you to recover those sort of dips in the market? Or how do you think you'd feel about that? Yep. Not a problem. Yeah. Yep. And then as far as, like, an expected return that you'd be hoping to get year on year out of your more conservative portfolio, if you're getting sort of 4% to 6% per annum on that more defensive investment, you'd be happy? Or yeah. At the moment, it came up quite obviously, you'd suffered a bit of the COVID dip and it has sort of recovered from that and so it did dip towards the end of last year, but I think it's, like, a twelve month return. It's sitting in around 11% as a return. Yep. So if you're getting sort of six to eight, you'd be sort of happy if you were getting that out of your superannuation. Yep. Perfect. So it does bring you out as a moderate investor, which is, like, in line with being in that sort of sixtyforty split of, like, growth to defensive assets. Now as I said, we will have a look at just updating the portfolio and reviewing your retention strategy there as well. Obviously, with you still working and you've still got a few debts there, you may wanna sort of still hold on to those insurances just for, you know, another couple years at least until you potentially have access to your superannuation. Because then after that, obviously, after the age of 60, you could look to potentially draw down some of that if you were unable to sort of work and things like that without having to be totally permanently disabled, those sort of things. But currently, yeah, you've got that life and and TPD insurance held within that q super, which has been retained there for that purpose. Yeah. Yep. Any you're still happy with retaining those in the retention strategy and, like, from your previous advice pieces? Yeah. Perfect. Not a problem at all. Obviously, we could look at reviewing and sort of looking at some sort of, like, retail cover, but given as you get older, retail cover gets quite a bit more expensive. It may sort of be worth just holding on to those if you're sort of happy holding on to those. Obviously, you don't have income protection or trauma insurance currently, but they would come at sort of a a much higher cost than the insurance cost you're paying for your life and total permanent disability, if that makes sense. Any are you comfortable with that? Is that something you did wanna have a look into? Or Yep. Yep. Yep. Yeah. Yeah. No. Under understandable. It's not like you're you're downhill mountain biking on the on the weekend, so completely understand. Yeah. Not a problem. Yeah. Don't worry. My nephews run circles around me as well. In so in regards to the advice piece, then we'll probably just look at reviewing that retention strategy and that rollover amount and just make sure that's still appropriate and then just look at updating those investments there. In relation to your estate planning, I know you don't have a will in place there currently. Now, obviously, these things sort of are important to have, but, generally, they're done like, you know, with lawyers, we can sort of have a discussion around generally how you might split it up and things like that. But, ultimately, it is a lot. Okay. That that's perfect. I do oh, just the checkups. Yep. Perfect. Okay. All the advanced health care yeah. Okay. Yep. Yeah. Okay. Yep. And do do you kinda set up a power of attorney with that one as well? Yep. It it is a little bit morbid. A lot of people don't like to do it, but it is a fact of life even if it's accidental or, you know, just just old age, things like that. You know, it can come out of anywhere and does help to have those sort of documents in place than to leave the family scrambling, you know, for eighteen months to put everything together and after the fact when it is a time when you'd rather be sort of grieving. Yeah. Brian, that's good to to hear. So we won't even look at estate planning matters just to like, normally, as reminders, anyway, we put in, like, sort of your beneficiary nominations, reviewing those and the wills and power of attorney. But if you've already sorted that out and got your bookings all sorted, that's not a problem. We'll just look to do that investment update. But is there anything else that you sort of want to address there, Allison, in regards to updating your adviser, or are you happy just to be that investment update? Yep. Yep. Not a problem at all. And as far as, like, your savings per week currently on your current wage, do you know what roughly that might look like as savings per week? Yep. 7,000. Brilliant. Just because, obviously, you know, increasing it would obviously affect, like, what you might be taking home at the end of the day there as well. But we can show oh, sorry. Yeah. That's good to hear that you've got a bit of a rainy day fund there as well. So with that and the advice piece, I can show you what the 7.5 looks like, and we can put 5% in the appendix as well to show you the difference. And then from there, you can obviously choose to bump it up with the 7.5 if your payroll is happy to do that or keeping it at the five. You can see what that sort of looks like just as a breakdown there as well. There's concessional caps for how much you can contribute. Do you know if they pay contributions based on your total salary or just the base income amount? Yep. So yep. Okay. Perfect. And then so with that one, there are, like, limits on how many con like, amount of concessional contributions you can make to superannuation. Now with that currently there so based on $75,000 per annum sort of thing, you're looking at, like, based on the 12%, it would be, like, 9,000, but, obviously, you're doing more than that now. It's based on, like, 17%. So you'd be doing around, like, sort of 12,750 in terms of, like, employer pay contributions. And then from there, if you're doing the max amount so if you were getting $2.30 per fortnight for twenty six weeks, which might be a little bit less, you're probably not working fifty two weeks of the year, it would be, like, a maximum of 6,000. So as long as you're not exceeding that concessional cap of 30,000, it's you're not breaching any rules. It's just obviously up to your employer if they're happy to do the salary sacrifice there for you. Yeah. And then if you did breach the 30,000, what happens is you basically just have to pay more tax because the concessional and the accounts for that 15% tax in super for 30,000. After that, you get slapped with an additional tax because they don't want everyone dumping all their money into superannuation, if that makes sense. No. So even if we you were, like, getting 17% on 75,000 plus your your contributions there, you'd still be sort of well under the actual cap there. Yeah. Plus you gotta take into account, like, yeah, your your growth as well and what you're you're getting out of that each year. And then also if your income like CPI is up throughout that time as well, what that looks like. Yeah. Yeah. I can let you know your balance there currently. So at the moment, it's sitting around a $139,670. Yeah. And then you you yeah. Yeah. Plus your q super balance there as well. But, yeah, obviously, we'll base it off those fees. We might have to call you just to get an updated fee for the the s like, the SOA. So we'll use this statement for the research. But just to make sure that the statement advice is more accurate, we might give you a quick call just to get an actual balance that's more current for when we actually put the finalized document together just to make sure that the the figures line up with the what would be rolled over and what's the recommendations as well. Yeah. We might just send you an email even. And if you just respond to the email, that'd be more than fine as well. Yep. All over the shop. Yeah. No. Completely understand. Yeah. So same with the booking too. If we don't get ahold of you, we'll just shoot you an email to get you booked back in to have a discussion around that. But do you have any other questions for me there, Allison, in regards to perfect. If anything does come up in the meantime, feel free to always reach out and touch base. The team will obviously get you in touch with me, but we'll just start that. It is quite straightforward in terms of what the advice is. Like you said, normally, it just gets rolled over, but just given that the time, we'll we'll just review those investments in addition to the rollover retention strategy as well. No problem. Well, thanks for your time today, Allison. I'll let you get back to your afternoon. Stop taking up your time, and I'll talk soon, I'm sure. Thanks. 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It's Carl calling from OPU Financial. How are you today? That's good to hear. I just scheduled in for a bit of a follow-up if now is still a good time for you.\n\nBrilliant. If I could just pass you through security just with that name, date of birth, and current address, we'll get stuck into that one. Perfect. Thank you for that one there, Allison. Now the reason I had you booked in there was mainly due to, obviously, having your retained account.\n\nI know you were sorta just waiting on the results of, like, your roster and how much you'd be working and things before looking at doing a potential rollover or just revisiting your retention strategy. Is that correct? Yeah. So with that one there, I just had it here that it was to to reach out in the new year regarding that one just because you didn't have your your roster or when you'd be free for a call to have a discussion around it. So you you sent through your your statement.\n\nWhen was that about? Sorry. I'll just see if it's the most recent one I'm looking. Yep. And have you forwarded that through to us at all?\n\nJust see if I can see that one. And was that the info for you financial, was it? Sorry. Yes, sir. Just because we've been through a system change, I'm just trying to find the actual document that Yep.\n\nLet me just So as I said, there's been a bit of a system change. I'm just trying to make sure I've got the right one. Yeah. And I'll do the 12/15/2025. Perfect.\n\nBrilliant. And, yeah, it has 35,000 there. Now in regards to that one there, Allison, now, obviously, you've been doing just the retention review, the 10 over $10,000. Now with that one, just because it has been a few years there as well, generally, we would like to review it just in general in terms of making sure it's still appropriate. Your investment is still up to date.\n\nNow within regards to your portfolio there too, Allison, there is one asset within the active portion of that fund that hasn't been performing too well and then in recent years has not performed the best as a whole either for the price you pay for a managed account. So we were looking at potentially removing that and substitute for a different investment moving forward, which we would have to provide in the advice document there as well. Now if you're you're comfortable, obviously, we'll just put together the advice piece. We wouldn't be doing the rollover just this yet. We'd be using that statement there.\n\nWe'd put the advice piece together based on that. And if you're happy with everything else and how everything else is tracking, then we can just look at doing just an investment update of that retention review. Or if you is there anything else that you want addressed? We can have a look at that as well. Yep.\n\nYep. Yeah. Yep. In terms of your salary sacrifice, yeah, it is up to payroll at the end of the day. So with in regards to your employer, do you get the 12% and then plus the 5% that you're contributing extra at the moment?\n\nSo it's like 17% total. Yep. We can show you in that document what it looks like going up to the 7.5%. Obviously, with that as well Yep. Okay.\n\nYep. Yep. Because with that one there as well, because I know you do have the personal loan still that you're looking to pay down and the car there as well now would increase Yep. And you'd be, like, still able to make those repayments if you did increase that? Yep.\n\nAnd do you know roughly as an annual amount if you sort of average out the weeks you work and how many hours what that yep. And how many hours is that roughly on a weekly basis with that? Perfect. And then, obviously, you'd like to just get the penalty hours and things like that for different hours? Yeah.\n\nFour nightly. Yep. So So to bump the a $60,000 salary up to, like, the 75 with the additional penalty rates and things like that? Yep. Yep.\n\nAnd then, yeah. And with the personal loan, if you don't mind me asking, how much debt value is left on that one at the moment? Yep. Okay. Perfect.\n\nAnd then the car loan sitting around the 30 mark? Yep. Yeah. Yeah. You're just sort of paying it off.\n\nYep. Brilliant. And then as far as your role, are you still considered an assistant nurse? Are you full time, like, nurse assistant nurse? Yeah?\n\nSo you're no longer in the aged care section? Yep. Yep. No worries. I'll just update that.\n\nBrent, and then as far as the the goals that you're still working towards, I know you're sort of just looking at sort of paying down the debts as the main thing before, like, you were looking to retire and then saving up a little bit to be able to spend some time with the the family and do a bit of travel around Australia. Is that sort of still the main thing? Yep. Yep. Yep.\n\nOkay. Yep. Yep. Yeah. And I it it is.\n\nAnd then you you might get additional long service leave for being there for an extra yeah. Right. Perfect. And then when it comes down to your investment, as I said, it's just sort of more that we've identified that we wanna look at removing those investments. One, due to the fact that it it is no longer available sort of in a a few years as they they are phasing it out.\n\nAnd then within regards to the the Ben Long, it is an active portion within the fund, and it is an actively managed to try and outperform that market. Now there is an option to replace it with an active alternative or given that you are sort of, you know, approaching 60 where you potentially look at potentially maybe making some withdrawals, whether or not be for fully retiring, but for other expenses if you do take a holiday, things like that as well. Would you look be more comfortable with a passive investment option that is a little bit more, like, cheaper that just tracks the index, or do you still want an active portion to be able to outperform the market potentially for a smaller portion of your portfolio? Conservative? The GFC 2008 there?\n\nYep. Yeah. Yeah. No. Completely understandable.\n\nIt's what happened to a lot of people, unfortunately. So with that one there, you are in a balanced growth portfolio. And then with that, you still have an active portion within that even though that you're sort of around that sixty forty sort of split in terms of, like, growth assets to defensive assets. You're still aim to get a little bit of growth out of your super while not sort of putting too much at the risk of the markets. Now in relation to that one, obviously, we can look to potentially do, like, a full update of your portfolio and then use the the losses of that Ben Long to offset any capital gains to potentially look at just updating as a whole moving forward given your time on board.\n\nOr we can just look to update those few ones that I spoke about there because, like, your heavy metals have been going quite well, your gold and your silver, and then the battery and the fintech's also done quite well. It's just in regards to techs taking a little bit of a dip, and then at the start of this year with that been a long fund given that it had an asset in the end of last year that was announced they weren't reporting correctly, which means that they lost a bit of consumer confidence in not only the fund, but also, yeah, the managers themselves and their ability to to move forward, if that makes sense. Yeah. So we can look to do oh, sorry. Yeah.\n\nWe can look to do just a more passive approach within line of that balance growth. Now it wouldn't mean that you're sort of losing any sort of asset to the growth to be able to still get those potential returns. It just means that you wouldn't be actively trying to outperform the market, and it's actually a little bit cheaper in terms of, like, ongoing investment costs as well. Yeah. No.\n\nA 100% we yeah. I completely understand. And when you hit 60 as well, there's actually strategies we can do to utilize your eligibility to potentially make drawdowns because you can draw down from your super and not not form part of, like, your your taxable income there because you've already drawn it down from, like, a pension, and it can do up to 10% per annum, and then you can contribute from your wages into superannuation. So what you're basically doing is you're paying tax at the super rate of 15% instead of at the the rate that is your marginal tax rate. And it actually works out that you help contribute a bit more to your super after the age of 60 because you're paying a little bit less in those taxes to be able to bolster it up a little bit for those years that you are working after the age of 60, if that makes sense.\n\nBut in saying that now, you're still getting the benefits of being taxed at that 15% and putting more into your super for that bit of growth over the next sort of ten year period as well, even though you can't do that transition to retirement strategy just yet. Yeah. The same take home pay. Yeah. Exactly.\n\nThat's what those strategies look towards. So, yeah, very, very similar in what that was sort of yeah, in regards to that. Yes. So if he did wanna sort of look at doing one of those transition to retirement strategies, feel free to have him reach out to us there, and we can sort of have that conversation about about that and what that sort of looks like and what you can do to to help sort of grow that towards your retirement. Does that make sense?\n\nYep. Yeah. It it's not to say that you you can't have, like, the singular one, but in saying that in regards to you can't you do sort of get some benefits to having it with your your employer as well. And I believe it was even me that spoke with your partner previously about those transition to retirement strategies. So we could revisit that if you'd wanna sort of go down that route and look at Yep.\n\nYeah. And even and then if you sort of still felt like you did need to work, you can sort of utilize your super a little bit as well. It's sort of the Centrelink entitlements once you hit that 67 to, like, not have to work as much and sort of still be able to draw down some form of income from either Centrelink or your superannuation there as well after that 67, but you can also utilize that in that after the age of 60 mark as well. Yeah. Yeah.\n\nWell, that that's good to hear as well. But, yeah, like you said, you've done the the hard yards now. Yeah. Now so you're looking to sort of make sure you're getting something for your retirement there at the end of the day as well. Yeah.\n\nYeah. So you sort of want that that time to be able to do that sort of. Yeah. Yeah. It definitely gets hard, especially when you're busy with work trying to see, you know, grandkids and things like that.\n\nYeah. And it it seems like it's working quite well for you and your sort of lifestyle and everything as well at the moment at least, which is good. Perfect. And I will do a quick risk profile just because we are potentially looking at or are looking at look updating those investments, Allison. So in regards to investing, have you had direct shares prior or anything like that?\n\nYep. Yep. And you said in regards to risk, you're still quite conservative in relation to, like, the cost of living and the rising prices. Are you still willing to take on sort of a moderate amount of risk to try and outpace that inflation and get a return out of your superannuation? Yep.\n\nNo problem. And much like sort of COVID period where your super did take a a dip there and it went back like 20% there, would you be quite concerned? Would that make you wanna sorta shift out of, like, investing and be more, like, defensive, or would you just hold and wait, you know, given that you've got the time still working life behind you to recover those sort of dips in the market? Or how do you think you'd feel about that? Yep.\n\nNot a problem. Yeah. Yep. And then as far as, like, an expected return that you'd be hoping to get year on year out of your more conservative portfolio, if you're getting sort of 4% to 6% per annum on that more defensive investment, you'd be happy? Or yeah.\n\nAt the moment, it came up quite obviously, you'd suffered a bit of the COVID dip and it has sort of recovered from that and so it did dip towards the end of last year, but I think it's, like, a twelve month return. It's sitting in around 11% as a return. Yep. So if you're getting sort of six to eight, you'd be sort of happy if you were getting that out of your superannuation. Yep.\n\nPerfect. So it does bring you out as a moderate investor, which is, like, in line with being in that sort of sixtyforty split of, like, growth to defensive assets. Now as I said, we will have a look at just updating the portfolio and reviewing your retention strategy there as well. Obviously, with you still working and you've still got a few debts there, you may wanna sort of still hold on to those insurances just for, you know, another couple years at least until you potentially have access to your superannuation. Because then after that, obviously, after the age of 60, you could look to potentially draw down some of that if you were unable to sort of work and things like that without having to be totally permanently disabled, those sort of things.\n\nBut currently, yeah, you've got that life and and TPD insurance held within that q super, which has been retained there for that purpose. Yeah. Yep. Any you're still happy with retaining those in the retention strategy and, like, from your previous advice pieces? Yeah.\n\nPerfect. Not a problem at all. Obviously, we could look at reviewing and sort of looking at some sort of, like, retail cover, but given as you get older, retail cover gets quite a bit more expensive. It may sort of be worth just holding on to those if you're sort of happy holding on to those. Obviously, you don't have income protection or trauma insurance currently, but they would come at sort of a a much higher cost than the insurance cost you're paying for your life and total permanent disability, if that makes sense.\n\nAny are you comfortable with that? Is that something you did wanna have a look into? Or Yep. Yep. Yep.\n\nYeah. Yeah. No. Under understandable. It's not like you're you're downhill mountain biking on the on the weekend, so completely understand.\n\nYeah. Not a problem. Yeah. Don't worry. My nephews run circles around me as well.\n\nIn so in regards to the advice piece, then we'll probably just look at reviewing that retention strategy and that rollover amount and just make sure that's still appropriate and then just look at updating those investments there. In relation to your estate planning, I know you don't have a will in place there currently. Now, obviously, these things sort of are important to have, but, generally, they're done like, you know, with lawyers, we can sort of have a discussion around generally how you might split it up and things like that. But, ultimately, it is a lot. Okay.\n\nThat that's perfect. I do oh, just the checkups. Yep. Perfect. Okay.\n\nAll the advanced health care yeah. Okay. Yep. Yeah. Okay.\n\nYep. And do do you kinda set up a power of attorney with that one as well? Yep. It it is a little bit morbid. A lot of people don't like to do it, but it is a fact of life even if it's accidental or, you know, just just old age, things like that.\n\nYou know, it can come out of anywhere and does help to have those sort of documents in place than to leave the family scrambling, you know, for eighteen months to put everything together and after the fact when it is a time when you'd rather be sort of grieving. Yeah. Brian, that's good to to hear. So we won't even look at estate planning matters just to like, normally, as reminders, anyway, we put in, like, sort of your beneficiary nominations, reviewing those and the wills and power of attorney. But if you've already sorted that out and got your bookings all sorted, that's not a problem.\n\nWe'll just look to do that investment update. But is there anything else that you sort of want to address there, Allison, in regards to updating your adviser, or are you happy just to be that investment update? Yep. Yep. Not a problem at all.\n\nAnd as far as, like, your savings per week currently on your current wage, do you know what roughly that might look like as savings per week? Yep. 7,000. Brilliant. Just because, obviously, you know, increasing it would obviously affect, like, what you might be taking home at the end of the day there as well.\n\nBut we can show oh, sorry. Yeah. That's good to hear that you've got a bit of a rainy day fund there as well. So with that and the advice piece, I can show you what the 7.5 looks like, and we can put 5% in the appendix as well to show you the difference. And then from there, you can obviously choose to bump it up with the 7.5 if your payroll is happy to do that or keeping it at the five.\n\nYou can see what that sort of looks like just as a breakdown there as well. There's concessional caps for how much you can contribute. Do you know if they pay contributions based on your total salary or just the base income amount? Yep. So yep.\n\nOkay. Perfect. And then so with that one, there are, like, limits on how many con like, amount of concessional contributions you can make to superannuation. Now with that currently there so based on $75,000 per annum sort of thing, you're looking at, like, based on the 12%, it would be, like, 9,000, but, obviously, you're doing more than that now. It's based on, like, 17%.\n\nSo you'd be doing around, like, sort of 12,750 in terms of, like, employer pay contributions. And then from there, if you're doing the max amount so if you were getting $2.30 per fortnight for twenty six weeks, which might be a little bit less, you're probably not working fifty two weeks of the year, it would be, like, a maximum of 6,000. So as long as you're not exceeding that concessional cap of 30,000, it's you're not breaching any rules. It's just obviously up to your employer if they're happy to do the salary sacrifice there for you. Yeah.\n\nAnd then if you did breach the 30,000, what happens is you basically just have to pay more tax because the concessional and the accounts for that 15% tax in super for 30,000. After that, you get slapped with an additional tax because they don't want everyone dumping all their money into superannuation, if that makes sense. No. So even if we you were, like, getting 17% on 75,000 plus your your contributions there, you'd still be sort of well under the actual cap there. Yeah.\n\nPlus you gotta take into account, like, yeah, your your growth as well and what you're you're getting out of that each year. And then also if your income like CPI is up throughout that time as well, what that looks like. Yeah. Yeah. I can let you know your balance there currently.\n\nSo at the moment, it's sitting around a $139,670. Yeah. And then you you yeah. Yeah. Plus your q super balance there as well.\n\nBut, yeah, obviously, we'll base it off those fees. We might have to call you just to get an updated fee for the the s like, the SOA. So we'll use this statement for the research. But just to make sure that the statement advice is more accurate, we might give you a quick call just to get an actual balance that's more current for when we actually put the finalized document together just to make sure that the the figures line up with the what would be rolled over and what's the recommendations as well. Yeah.\n\nWe might just send you an email even. And if you just respond to the email, that'd be more than fine as well. Yep. All over the shop. Yeah.\n\nNo. Completely understand. Yeah. So same with the booking too. If we don't get ahold of you, we'll just shoot you an email to get you booked back in to have a discussion around that.\n\nBut do you have any other questions for me there, Allison, in regards to perfect. If anything does come up in the meantime, feel free to always reach out and touch base. The team will obviously get you in touch with me, but we'll just start that. It is quite straightforward in terms of what the advice is. Like you said, normally, it just gets rolled over, but just given that the time, we'll we'll just review those investments in addition to the rollover retention strategy as well.\n\nNo problem. Well, thanks for your time today, Allison. I'll let you get back to your afternoon. Stop taking up your time, and I'll talk soon, I'm sure. Thanks.\n\nBye now.","paragraphs":[{"sentences":[{"text":"Good afternoon, Allison.","start":2.48,"end":3.36,"sentiment":"positive","sentiment_score":0.46530279517173767},{"text":"It's Carl calling from OPU Financial.","start":3.36,"end":4.96,"sentiment":"neutral","sentiment_score":0.28461920221646625},{"text":"How are you today?","start":4.96,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.3149303048849106},{"text":"That's good to hear.","start":7.52,"end":8.32,"sentiment":"positive","sentiment_score":0.7297471910715103},{"text":"I just scheduled in for a bit of a follow-up if now is still a good time for you.","start":8.32,"end":11.54,"sentiment":"positive","sentiment_score":0.49829187832380595}],"sentiment":"positive","sentiment_score":0.4652744241886669,"num_words":36,"start":2.48,"end":11.54},{"sentences":[{"text":"Brilliant.","start":12.895,"end":13.395,"sentiment":"positive","sentiment_score":0.5983952283859253},{"text":"If I could just pass you through security just with that name, date of birth, and current address, we'll get stuck into that one.","start":13.535,"end":18.675,"sentiment":"neutral","sentiment_score":0.26353213377296925},{"text":"Perfect.","start":25.230001,"end":25.630001,"sentiment":"positive","sentiment_score":0.5761072039604187},{"text":"Thank you for that one there, Allison.","start":25.630001,"end":27.17,"sentiment":"positive","sentiment_score":0.6404007247516087},{"text":"Now the reason I had you booked in there was mainly due to, obviously, having your retained account.","start":27.310001,"end":33.31,"sentiment":"neutral","sentiment_score":0.0010587241914537203}],"sentiment":"neutral","sentiment_score":0.23531638728637322,"num_words":51,"start":12.895,"end":33.31},{"sentences":[{"text":"I know you were sorta just waiting on the results of, like, your roster and how much you'd be working and things before looking at doing a potential rollover or just revisiting your retention strategy.","start":33.31,"end":44.525,"sentiment":"neutral","sentiment_score":-0.005613988657881107},{"text":"Is that correct?","start":44.525,"end":45.345,"sentiment":"neutral","sentiment_score":0.03870970383286476},{"text":"Yeah.","start":62.235,"end":62.635002,"sentiment":"neutral","sentiment_score":0.01732758991420269},{"text":"So with that one there, I just had it here that it was to to reach out in the new year regarding that one just because you didn't have your your roster or when you'd be free for a call to have a discussion around it.","start":62.635002,"end":75.33,"sentiment":"neutral","sentiment_score":0.03391439581046934},{"text":"So you you sent through your your statement.","start":75.490005,"end":77.490005,"sentiment":"neutral","sentiment_score":-0.007975431974045932}],"sentiment":"neutral","sentiment_score":0.015411030643829895,"num_words":93,"start":33.31,"end":77.490005},{"sentences":[{"text":"When was that about?","start":77.490005,"end":78.770004,"sentiment":"neutral","sentiment_score":-0.024132444988936186},{"text":"Sorry.","start":78.770004,"end":78.93,"sentiment":"neutral","sentiment_score":-0.0504138246178627},{"text":"I'll just see if it's the most recent one I'm looking.","start":78.93,"end":81.03,"sentiment":"neutral","sentiment_score":-0.027659137817946346},{"text":"Yep.","start":88.065,"end":88.305,"sentiment":"neutral","sentiment_score":0.022121574729681015},{"text":"And have you forwarded that through to us at all?","start":88.305,"end":90.405,"sentiment":"neutral","sentiment_score":0.0033522913232445716}],"sentiment":"neutral","sentiment_score":-0.014649986392921872,"num_words":27,"start":77.490005,"end":90.405},{"sentences":[{"text":"Just see if I can see that one.","start":93.345,"end":95.425,"sentiment":"neutral","sentiment_score":0.0006494702538475394},{"text":"And was that the info for you financial, was it?","start":95.425,"end":97.505005,"sentiment":"neutral","sentiment_score":-0.008164704032242297},{"text":"Sorry.","start":97.505005,"end":98.005005,"sentiment":"neutral","sentiment_score":-0.053561627864837646},{"text":"Yes, sir.","start":109.36,"end":109.92,"sentiment":"neutral","sentiment_score":0.0006869198987260461},{"text":"Just because we've been through a system change, I'm just trying to find the actual document that Yep.","start":109.92,"end":127.93,"sentiment":"neutral","sentiment_score":-0.06772969456182586}],"sentiment":"neutral","sentiment_score":-0.034558296627484456,"num_words":39,"start":93.345,"end":127.93},{"sentences":[{"text":"Let me just So as I said, there's been a bit of a system change.","start":127.99,"end":134.39,"sentiment":"neutral","sentiment_score":-0.02975324143966039},{"text":"I'm just trying to make sure I've got the right one.","start":134.39,"end":135.91,"sentiment":"neutral","sentiment_score":-0.023824369937012143},{"text":"Yeah.","start":135.91,"end":136.07,"sentiment":"neutral","sentiment_score":0.03119412064552307},{"text":"And I'll do the 12/15/2025.","start":136.07,"end":138.79,"sentiment":"neutral","sentiment_score":0.07108285576105118},{"text":"Perfect.","start":138.79,"end":139.29,"sentiment":"positive","sentiment_score":0.7855492830276489}],"sentiment":"neutral","sentiment_score":0.014054272472011771,"num_words":33,"start":127.99,"end":139.29},{"sentences":[{"text":"Brilliant.","start":140.925,"end":141.425,"sentiment":"positive","sentiment_score":0.7708441615104675},{"text":"And, yeah, it has 35,000 there.","start":141.80501,"end":144.065,"sentiment":"neutral","sentiment_score":0.27663562446832657},{"text":"Now in regards to that one there, Allison, now, obviously, you've been doing just the retention review, the 10 over $10,000.","start":144.125,"end":150.865,"sentiment":"neutral","sentiment_score":0.06815016358381226},{"text":"Now with that one, just because it has been a few years there as well, generally, we would like to review it just in general in terms of making sure it's still appropriate.","start":151.085,"end":159.12999,"sentiment":"neutral","sentiment_score":0.05880319259383462},{"text":"Your investment is still up to date.","start":159.12999,"end":160.83,"sentiment":"neutral","sentiment_score":0.1670500295502799}],"sentiment":"neutral","sentiment_score":0.10252451332395568,"num_words":68,"start":140.925,"end":160.83},{"sentences":[{"text":"Now within regards to your portfolio there too, Allison, there is one asset within the active portion of that fund that hasn't been performing too well and then in recent years has not performed the best as a whole either for the price you pay for a managed account.","start":161.45,"end":178.99501,"sentiment":"neutral","sentiment_score":-0.13562093439454936},{"text":"So we were looking at potentially removing that and substitute for a different investment moving forward, which we would have to provide in the advice document there as well.","start":179.13501,"end":189.13,"sentiment":"neutral","sentiment_score":-0.06120372390181854},{"text":"Now if you're you're comfortable, obviously, we'll just put together the advice piece.","start":189.27,"end":194.63,"sentiment":"neutral","sentiment_score":0.057199138861436113},{"text":"We wouldn't be doing the rollover just this yet.","start":194.63,"end":196.31,"sentiment":"neutral","sentiment_score":-0.02443055932720502},{"text":"We'd be using that statement there.","start":196.31,"end":198.41,"sentiment":"neutral","sentiment_score":0.10082711651921272}],"sentiment":"neutral","sentiment_score":-0.06878921988789204,"num_words":106,"start":161.45,"end":198.41},{"sentences":[{"text":"We'd put the advice piece together based on that.","start":198.525,"end":201.265,"sentiment":"neutral","sentiment_score":0.1715251323249605},{"text":"And if you're happy with everything else and how everything else is tracking, then we can just look at doing just an investment update of that retention review.","start":201.325,"end":210.06499,"sentiment":"neutral","sentiment_score":0.21168589858072145},{"text":"Or if you is there anything else that you want addressed?","start":210.605,"end":213.08499,"sentiment":"neutral","sentiment_score":0.03875816071575338},{"text":"We can have a look at that as well.","start":213.08499,"end":221.02,"sentiment":"neutral","sentiment_score":0.06836167143450843},{"text":"Yep.","start":223.8,"end":224.3,"sentiment":"neutral","sentiment_score":0.1002492532134056}],"sentiment":"neutral","sentiment_score":0.14849612784796748,"num_words":58,"start":198.525,"end":224.3},{"sentences":[{"text":"Yep.","start":231.095,"end":231.595,"sentiment":"neutral","sentiment_score":0.04697258397936821},{"text":"Yeah.","start":245.67,"end":246.17,"sentiment":"neutral","sentiment_score":0.0058493418619036674},{"text":"Yep.","start":273.06,"end":273.56,"sentiment":"neutral","sentiment_score":0.12839356064796448},{"text":"In terms of your salary sacrifice, yeah, it is up to payroll at the end of the day.","start":295.49,"end":299.65,"sentiment":"neutral","sentiment_score":0.04407452015827099},{"text":"So with in regards to your employer, do you get the 12% and then plus the 5% that you're contributing extra at the moment?","start":299.65,"end":306.415,"sentiment":"neutral","sentiment_score":0.022476211558872212}],"sentiment":"neutral","sentiment_score":0.03364413170557883,"num_words":45,"start":231.095,"end":306.415},{"sentences":[{"text":"So it's like 17% total.","start":306.55502,"end":308.415,"sentiment":"neutral","sentiment_score":0.10408401489257812},{"text":"Yep.","start":309.99503,"end":310.49503,"sentiment":"neutral","sentiment_score":0.21969525516033173},{"text":"We can show you in that document what it looks like going up to the 7.5%.","start":311.195,"end":315.69,"sentiment":"neutral","sentiment_score":0.1748104142025113},{"text":"Obviously, with that as well Yep.","start":315.69,"end":330.025,"sentiment":"neutral","sentiment_score":0.11656030143300693},{"text":"Okay.","start":330.025,"end":330.505,"sentiment":"neutral","sentiment_score":0.09456107020378111}],"sentiment":"neutral","sentiment_score":0.14934499433328366,"num_words":29,"start":306.55502,"end":330.505},{"sentences":[{"text":"Yep.","start":330.505,"end":331.005,"sentiment":"neutral","sentiment_score":0.1104421466588974},{"text":"Yep.","start":343.96002,"end":344.46002,"sentiment":"neutral","sentiment_score":0.1769082248210907},{"text":"Because with that one there as well, because I know you do have the personal loan still that you're looking to pay down and the car there as well now would increase Yep.","start":345.0,"end":367.7,"sentiment":"neutral","sentiment_score":0.14246937542250662},{"text":"And you'd be, like, still able to make those repayments if you did increase that?","start":367.7,"end":371.64,"sentiment":"neutral","sentiment_score":0.19385860115289688},{"text":"Yep.","start":386.75497,"end":387.07498,"sentiment":"neutral","sentiment_score":0.11299598217010498}],"sentiment":"neutral","sentiment_score":0.1570532305860052,"num_words":51,"start":330.505,"end":387.07498},{"sentences":[{"text":"And do you know roughly as an annual amount if you sort of average out the weeks you work and how many hours what that yep.","start":387.07498,"end":402.76,"sentiment":"neutral","sentiment_score":0.0371299901117499},{"text":"And how many hours is that roughly on a weekly basis with that?","start":402.76,"end":406.78,"sentiment":"neutral","sentiment_score":0.02184860293681805},{"text":"Perfect.","start":415.145,"end":415.625,"sentiment":"positive","sentiment_score":0.45937544107437134},{"text":"And then, obviously, you'd like to just get the penalty hours and things like that for different hours?","start":415.625,"end":420.665,"sentiment":"neutral","sentiment_score":0.07023670695101221},{"text":"Yeah.","start":420.665,"end":421.165,"sentiment":"neutral","sentiment_score":0.03732813894748688}],"sentiment":"neutral","sentiment_score":0.05102332010549509,"num_words":59,"start":387.07498,"end":421.165},{"sentences":[{"text":"Four nightly.","start":433.885,"end":434.705,"sentiment":"neutral","sentiment_score":0.029255086556077003},{"text":"Yep.","start":450.14,"end":450.30002,"sentiment":"neutral","sentiment_score":0.0542994849383831},{"text":"So So to bump the a $60,000 salary up to, like, the 75 with the additional penalty rates and things like that?","start":450.30002,"end":457.815,"sentiment":"neutral","sentiment_score":0.004748767411166971},{"text":"Yep.","start":459.73502,"end":460.23502,"sentiment":"neutral","sentiment_score":0.029740508645772937},{"text":"Yep.","start":467.575,"end":468.075,"sentiment":"neutral","sentiment_score":-0.06825508177280426}],"sentiment":"neutral","sentiment_score":0.006621035850710339,"num_words":27,"start":433.885,"end":468.075},{"sentences":[{"text":"And then, yeah.","start":468.295,"end":472.00998,"sentiment":"neutral","sentiment_score":-0.0247619841247797},{"text":"And with the personal loan, if you don't mind me asking, how much debt value is left on that one at the moment?","start":472.15,"end":476.56998,"sentiment":"neutral","sentiment_score":-0.013126345715768959},{"text":"Yep.","start":478.38998,"end":478.71,"sentiment":"neutral","sentiment_score":0.029434701427817345},{"text":"Okay.","start":478.71,"end":479.11,"sentiment":"neutral","sentiment_score":0.10267525911331175},{"text":"Perfect.","start":479.11,"end":479.61,"sentiment":"neutral","sentiment_score":0.24377761781215668}],"sentiment":"neutral","sentiment_score":-0.00001049398219790952,"num_words":29,"start":468.295,"end":479.61},{"sentences":[{"text":"And then the car loan sitting around the 30 mark?","start":479.83,"end":482.72998,"sentiment":"neutral","sentiment_score":0.052316698245704174},{"text":"Yep.","start":485.525,"end":486.025,"sentiment":"neutral","sentiment_score":-0.007913556881248951},{"text":"Yeah.","start":490.405,"end":490.565,"sentiment":"neutral","sentiment_score":-0.009211106225848198},{"text":"Yeah.","start":490.565,"end":490.805,"sentiment":"neutral","sentiment_score":6.5052881836891174e-6},{"text":"You're just sort of paying it off.","start":490.805,"end":492.345,"sentiment":"neutral","sentiment_score":-0.012050605512091092}],"sentiment":"neutral","sentiment_score":0.02108472930267453,"num_words":20,"start":479.83,"end":492.345},{"sentences":[{"text":"Yep.","start":498.1,"end":498.58002,"sentiment":"neutral","sentiment_score":0.2064198702573776},{"text":"Brilliant.","start":498.58002,"end":499.06,"sentiment":"positive","sentiment_score":0.5085403919219971},{"text":"And then as far as your role, are you still considered an assistant nurse?","start":499.06,"end":502.5,"sentiment":"neutral","sentiment_score":0.08792406214135033},{"text":"Are you full time, like, nurse assistant nurse?","start":502.5,"end":504.98,"sentiment":"neutral","sentiment_score":0.016482042032293975},{"text":"Yeah?","start":504.98,"end":505.48,"sentiment":"neutral","sentiment_score":0.004995202179998159}],"sentiment":"neutral","sentiment_score":0.08330994682386518,"num_words":25,"start":498.1,"end":505.48},{"sentences":[{"text":"So you're no longer in the aged care section?","start":512.27496,"end":514.375,"sentiment":"neutral","sentiment_score":-0.04403391449401776},{"text":"Yep.","start":522.93,"end":523.43,"sentiment":"neutral","sentiment_score":0.018707340583205223},{"text":"Yep.","start":548.4,"end":548.9,"sentiment":"neutral","sentiment_score":0.09246259927749634},{"text":"No worries.","start":548.96,"end":549.86,"sentiment":"neutral","sentiment_score":0.1801852062344551},{"text":"I'll just update that.","start":550.08,"end":551.62,"sentiment":"neutral","sentiment_score":0.20109078288078308}],"sentiment":"neutral","sentiment_score":0.051741073729799074,"num_words":17,"start":512.27496,"end":551.62},{"sentences":[{"text":"Brent, and then as far as the the goals that you're still working towards, I know you're sort of just looking at sort of paying down the debts as the main thing before, like, you were looking to retire and then saving up a little bit to be able to spend some time with the the family and do a bit of travel around Australia.","start":552.32,"end":568.295,"sentiment":"neutral","sentiment_score":0.16415208199849496},{"text":"Is that sort of still the main thing?","start":568.295,"end":569.76,"sentiment":"neutral","sentiment_score":0.06843326753005385},{"text":"Yep.","start":577.28,"end":577.78,"sentiment":"neutral","sentiment_score":-0.0376000814139843},{"text":"Yep.","start":583.61505,"end":584.11505,"sentiment":"neutral","sentiment_score":-0.009501008316874504},{"text":"Yep.","start":616.125,"end":616.625,"sentiment":"neutral","sentiment_score":0.02713519148528576}],"sentiment":"neutral","sentiment_score":0.14733402068285564,"num_words":76,"start":552.32,"end":616.625},{"sentences":[{"text":"Okay.","start":616.845,"end":617.345,"sentiment":"neutral","sentiment_score":0.048452891409397125},{"text":"Yep.","start":628.97003,"end":629.47003,"sentiment":"neutral","sentiment_score":0.10102783888578416},{"text":"Yep.","start":639.305,"end":639.805,"sentiment":"neutral","sentiment_score":0.12531787157058716},{"text":"Yeah.","start":648.92,"end":649.4,"sentiment":"neutral","sentiment_score":0.2941897511482239},{"text":"And I it it is.","start":649.4,"end":650.68,"sentiment":"neutral","sentiment_score":0.2327791839838028}],"sentiment":"neutral","sentiment_score":0.19254269699255624,"num_words":9,"start":616.845,"end":650.68},{"sentences":[{"text":"And then you you might get additional long service leave for being there for an extra yeah.","start":650.68,"end":655.58,"sentiment":"neutral","sentiment_score":0.06279677919605199},{"text":"Right.","start":678.24,"end":678.74,"sentiment":"neutral","sentiment_score":0.12282700836658478},{"text":"Perfect.","start":683.135,"end":683.635,"sentiment":"positive","sentiment_score":0.4619108438491822},{"text":"And then when it comes down to your investment, as I said, it's just sort of more that we've identified that we wanna look at removing those investments.","start":683.695,"end":692.995,"sentiment":"neutral","sentiment_score":0.02003316958767495},{"text":"One, due to the fact that it it is no longer available sort of in a a few years as they they are phasing it out.","start":693.695,"end":701.02997,"sentiment":"neutral","sentiment_score":-0.12012955703987525}],"sentiment":"neutral","sentiment_score":-0.012467899123742564,"num_words":73,"start":650.68,"end":701.02997},{"sentences":[{"text":"And then within regards to the the Ben Long, it is an active portion within the fund, and it is an actively managed to try and outperform that market.","start":702.05,"end":710.13,"sentiment":"neutral","sentiment_score":0.101323909286795},{"text":"Now there is an option to replace it with an active alternative or given that you are sort of, you know, approaching 60 where you potentially look at potentially maybe making some withdrawals, whether or not be for fully retiring, but for other expenses if you do take a holiday, things like that as well.","start":710.13,"end":724.99506,"sentiment":"neutral","sentiment_score":0.07017852108586918},{"text":"Would you look be more comfortable with a passive investment option that is a little bit more, like, cheaper that just tracks the index, or do you still want an active portion to be able to outperform the market potentially for a smaller portion of your portfolio?","start":725.215,"end":738.32,"sentiment":"neutral","sentiment_score":0.08904068556396251},{"text":"Conservative?","start":747.66504,"end":748.16504,"sentiment":"neutral","sentiment_score":-0.2158983051776886},{"text":"The GFC 2008 there?","start":767.535,"end":769.95496,"sentiment":"neutral","sentiment_score":-0.12932631932199}],"sentiment":"neutral","sentiment_score":0.07536706373588566,"num_words":136,"start":702.05,"end":769.95496},{"sentences":[{"text":"Yep.","start":771.375,"end":771.875,"sentiment":"neutral","sentiment_score":-0.13901178538799286},{"text":"Yeah.","start":774.75,"end":775.25,"sentiment":"negative","sentiment_score":-0.3984917998313904},{"text":"Yeah.","start":777.95,"end":778.43,"sentiment":"neutral","sentiment_score":-0.25636017322540283},{"text":"No.","start":778.43,"end":778.75,"sentiment":"negative","sentiment_score":-0.3514818549156189},{"text":"Completely understandable.","start":778.75,"end":779.65,"sentiment":"negative","sentiment_score":-0.4222392141819}],"sentiment":"neutral","sentiment_score":-0.3316373402873675,"num_words":6,"start":771.375,"end":779.65},{"sentences":[{"text":"It's what happened to a lot of people, unfortunately.","start":779.71,"end":782.13,"sentiment":"negative","sentiment_score":-0.40653741028573775},{"text":"So with that one there, you are in a balanced growth portfolio.","start":783.31,"end":788.13,"sentiment":"neutral","sentiment_score":0.30087414508064586},{"text":"And then with that, you still have an active portion within that even though that you're sort of around that sixty forty sort of split in terms of, like, growth assets to defensive assets.","start":788.925,"end":798.765,"sentiment":"neutral","sentiment_score":0.19044003022067688},{"text":"You're still aim to get a little bit of growth out of your super while not sort of putting too much at the risk of the markets.","start":798.765,"end":803.90497,"sentiment":"neutral","sentiment_score":0.2366524322165383},{"text":"Now in relation to that one, obviously, we can look to potentially do, like, a full update of your portfolio and then use the the losses of that Ben Long to offset any capital gains to potentially look at just updating as a whole moving forward given your time on board.","start":804.54,"end":820.495,"sentiment":"neutral","sentiment_score":0.2459914270861476}],"sentiment":"neutral","sentiment_score":0.19069016937698638,"num_words":133,"start":779.71,"end":820.495},{"sentences":[{"text":"Or we can just look to update those few ones that I spoke about there because, like, your heavy metals have been going quite well, your gold and your silver, and then the battery and the fintech's also done quite well.","start":821.275,"end":834.32,"sentiment":"neutral","sentiment_score":0.3224819691442862},{"text":"It's just in regards to techs taking a little bit of a dip, and then at the start of this year with that been a long fund given that it had an asset in the end of last year that was announced they weren't reporting correctly, which means that they lost a bit of consumer confidence in not only the fund, but also, yeah, the managers themselves and their ability to to move forward, if that makes sense.","start":834.32,"end":856.235,"sentiment":"neutral","sentiment_score":-0.05522946571596922},{"text":"Yeah.","start":859.43,"end":859.93,"sentiment":"neutral","sentiment_score":-0.04396964609622955},{"text":"So we can look to do oh, sorry.","start":860.14996,"end":862.25,"sentiment":"neutral","sentiment_score":-0.062419134424999356},{"text":"Yeah.","start":864.47,"end":864.70996,"sentiment":"neutral","sentiment_score":0.17465856671333313}],"sentiment":"neutral","sentiment_score":0.06624184693245924,"num_words":129,"start":821.275,"end":864.70996},{"sentences":[{"text":"We can look to do just a more passive approach within line of that balance growth.","start":864.70996,"end":868.55,"sentiment":"neutral","sentiment_score":0.21429772209376097},{"text":"Now it wouldn't mean that you're sort of losing any sort of asset to the growth to be able to still get those potential returns.","start":868.55,"end":875.485,"sentiment":"neutral","sentiment_score":0.09869637235999107},{"text":"It just means that you wouldn't be actively trying to outperform the market, and it's actually a little bit cheaper in terms of, like, ongoing investment costs as well.","start":875.485,"end":883.745,"sentiment":"neutral","sentiment_score":0.2947879413078571},{"text":"Yeah.","start":909.85,"end":910.17,"sentiment":"neutral","sentiment_score":0.00571683794260025},{"text":"No.","start":910.17,"end":910.41,"sentiment":"neutral","sentiment_score":-0.09260503202676772}],"sentiment":"neutral","sentiment_score":0.19941854119921723,"num_words":72,"start":864.70996,"end":910.41},{"sentences":[{"text":"A 100% we yeah.","start":910.41,"end":911.76996,"sentiment":"neutral","sentiment_score":0.009427697397768497},{"text":"I completely understand.","start":911.76996,"end":912.73,"sentiment":"neutral","sentiment_score":0.13292410473028818},{"text":"And when you hit 60 as well, there's actually strategies we can do to utilize your eligibility to potentially make drawdowns because you can draw down from your super and not not form part of, like, your your taxable income there because you've already drawn it down from, like, a pension, and it can do up to 10% per annum, and then you can contribute from your wages into superannuation.","start":912.73,"end":935.125,"sentiment":"neutral","sentiment_score":0.1619362865707704},{"text":"So what you're basically doing is you're paying tax at the super rate of 15% instead of at the the rate that is your marginal tax rate.","start":935.42505,"end":943.99,"sentiment":"neutral","sentiment_score":0.21931324678438682},{"text":"And it actually works out that you help contribute a bit more to your super after the age of 60 because you're paying a little bit less in those taxes to be able to bolster it up a little bit for those years that you are working after the age of 60, if that makes sense.","start":943.99,"end":957.175,"sentiment":"neutral","sentiment_score":0.31905677621918066}],"sentiment":"neutral","sentiment_score":0.22225412684492768,"num_words":160,"start":910.41,"end":957.175},{"sentences":[{"text":"But in saying that now, you're still getting the benefits of being taxed at that 15% and putting more into your super for that bit of growth over the next sort of ten year period as well, even though you can't do that transition to retirement strategy just yet.","start":959.875,"end":973.0,"sentiment":"neutral","sentiment_score":0.2720242607578331},{"text":"Yeah.","start":993.81,"end":994.05,"sentiment":"neutral","sentiment_score":0.03806868195533752},{"text":"The same take home pay.","start":994.05,"end":995.67,"sentiment":"neutral","sentiment_score":0.07640022411942482},{"text":"Yeah.","start":996.20996,"end":996.37,"sentiment":"neutral","sentiment_score":0.09567418694496156},{"text":"Exactly.","start":996.37,"end":996.87,"sentiment":"neutral","sentiment_score":0.13319717347621918}],"sentiment":"neutral","sentiment_score":0.24523034982644676,"num_words":57,"start":959.875,"end":996.87},{"sentences":[{"text":"That's what those strategies look towards.","start":996.93,"end":999.02997,"sentiment":"neutral","sentiment_score":0.14180724571148554},{"text":"So, yeah, very, very similar in what that was sort of yeah, in regards to that.","start":999.81,"end":1006.365,"sentiment":"neutral","sentiment_score":0.04881631530588493},{"text":"Yes.","start":1018.28,"end":1018.52,"sentiment":"positive","sentiment_score":0.494925320148468},{"text":"So if he did wanna sort of look at doing one of those transition to retirement strategies, feel free to have him reach out to us there, and we can sort of have that conversation about about that and what that sort of looks like and what you can do to to help sort of grow that towards your retirement.","start":1018.52,"end":1036.735,"sentiment":"positive","sentiment_score":0.5529088780283928},{"text":"Does that make sense?","start":1036.735,"end":1037.795,"sentiment":"neutral","sentiment_score":0.29581277072429657}],"sentiment":"positive","sentiment_score":0.4193633747576126,"num_words":87,"start":996.93,"end":1037.795},{"sentences":[{"text":"Yep.","start":1046.43,"end":1046.93,"sentiment":"neutral","sentiment_score":0.0934826284646988},{"text":"Yeah.","start":1049.47,"end":1049.97,"sentiment":"neutral","sentiment_score":0.1165057122707367},{"text":"It it's not to say that you you can't have, like, the singular one, but in saying that in regards to you can't you do sort of get some benefits to having it with your your employer as well.","start":1050.11,"end":1062.735,"sentiment":"neutral","sentiment_score":0.1623764975139728},{"text":"And I believe it was even me that spoke with your partner previously about those transition to retirement strategies.","start":1062.735,"end":1069.315,"sentiment":"neutral","sentiment_score":0.23488364564745048},{"text":"So we could revisit that if you'd wanna sort of go down that route and look at Yep.","start":1069.375,"end":1088.235,"sentiment":"neutral","sentiment_score":0.07557054102006885}],"sentiment":"neutral","sentiment_score":0.15853500960824582,"num_words":78,"start":1046.43,"end":1088.235},{"sentences":[{"text":"Yeah.","start":1101.35,"end":1101.85,"sentiment":"neutral","sentiment_score":0.18700948357582092},{"text":"And even and then if you sort of still felt like you did need to work, you can sort of utilize your super a little bit as well.","start":1102.55,"end":1108.55,"sentiment":"neutral","sentiment_score":0.3071146719157696},{"text":"It's sort of the Centrelink entitlements once you hit that 67 to, like, not have to work as much and sort of still be able to draw down some form of income from either Centrelink or your superannuation there as well after that 67, but you can also utilize that in that after the age of 60 mark as well.","start":1108.55,"end":1124.115,"sentiment":"neutral","sentiment_score":0.2992012950281302},{"text":"Yeah.","start":1133.81,"end":1134.31,"sentiment":"neutral","sentiment_score":0.008648345246911049},{"text":"Yeah.","start":1158.9601,"end":1159.28,"sentiment":"neutral","sentiment_score":0.09922835230827332}],"sentiment":"neutral","sentiment_score":0.29501290875231173,"num_words":91,"start":1101.35,"end":1159.28},{"sentences":[{"text":"Well, that that's good to hear as well.","start":1159.28,"end":1160.9601,"sentiment":"positive","sentiment_score":0.3960878998041153},{"text":"But, yeah, like you said, you've done the the hard yards now.","start":1160.9601,"end":1163.8949,"sentiment":"neutral","sentiment_score":-0.0574514294664065},{"text":"Yeah.","start":1163.8949,"end":1164.215,"sentiment":"neutral","sentiment_score":0.004359804093837738},{"text":"Now so you're looking to sort of make sure you're getting something for your retirement there at the end of the day as well.","start":1164.215,"end":1169.755,"sentiment":"neutral","sentiment_score":0.06702135332549612},{"text":"Yeah.","start":1179.4299,"end":1179.9299,"sentiment":"neutral","sentiment_score":-0.03424476087093353}],"sentiment":"neutral","sentiment_score":0.08821551234501859,"num_words":46,"start":1159.28,"end":1179.9299},{"sentences":[{"text":"Yeah.","start":1187.125,"end":1187.525,"sentiment":"neutral","sentiment_score":-0.051038920879364014},{"text":"So you sort of want that that time to be able to do that sort of.","start":1187.525,"end":1191.5449,"sentiment":"neutral","sentiment_score":-0.10770856915041804},{"text":"Yeah.","start":1203.54,"end":1203.78,"sentiment":"neutral","sentiment_score":-0.014209630899131298},{"text":"Yeah.","start":1203.78,"end":1204.26,"sentiment":"neutral","sentiment_score":0.03476226329803467},{"text":"It definitely gets hard, especially when you're busy with work trying to see, you know, grandkids and things like that.","start":1204.26,"end":1209.8,"sentiment":"neutral","sentiment_score":-0.2583368241786957}],"sentiment":"neutral","sentiment_score":-0.1774502532938734,"num_words":39,"start":1187.125,"end":1209.8},{"sentences":[{"text":"Yeah.","start":1218.275,"end":1218.435,"sentiment":"neutral","sentiment_score":0.27794149518013},{"text":"And it it seems like it's working quite well for you and your sort of lifestyle and everything as well at the moment at least, which is good.","start":1218.435,"end":1225.575,"sentiment":"positive","sentiment_score":0.5020585475223405},{"text":"Perfect.","start":1239.075,"end":1239.5549,"sentiment":"positive","sentiment_score":0.5067906975746155},{"text":"And I will do a quick risk profile just because we are potentially looking at or are looking at look updating those investments, Allison.","start":1239.5549,"end":1246.9349,"sentiment":"neutral","sentiment_score":0.10830041921387117},{"text":"So in regards to investing, have you had direct shares prior or anything like that?","start":1247.075,"end":1251.975,"sentiment":"neutral","sentiment_score":0.01596114138762156}],"sentiment":"neutral","sentiment_score":0.2562463580482248,"num_words":69,"start":1218.275,"end":1251.975},{"sentences":[{"text":"Yep.","start":1251.99,"end":1252.49,"sentiment":"neutral","sentiment_score":0.02180038020014763},{"text":"Yep.","start":1261.27,"end":1261.59,"sentiment":"neutral","sentiment_score":0.10626485198736192},{"text":"And you said in regards to risk, you're still quite conservative in relation to, like, the cost of living and the rising prices.","start":1261.59,"end":1268.715,"sentiment":"neutral","sentiment_score":0.06659876879142679},{"text":"Are you still willing to take on sort of a moderate amount of risk to try and outpace that inflation and get a return out of your superannuation?","start":1268.715,"end":1274.015,"sentiment":"neutral","sentiment_score":0.12112585322133132},{"text":"Yep.","start":1276.635,"end":1277.135,"sentiment":"neutral","sentiment_score":0.19952288269996643}],"sentiment":"neutral","sentiment_score":0.09723858680162165,"num_words":54,"start":1251.99,"end":1277.135},{"sentences":[{"text":"No problem.","start":1280.17,"end":1280.8099,"sentiment":"neutral","sentiment_score":0.16765287518501282},{"text":"And much like sort of COVID period where your super did take a a dip there and it went back like 20% there, would you be quite concerned?","start":1280.8099,"end":1288.25,"sentiment":"neutral","sentiment_score":-0.010637257846870593},{"text":"Would that make you wanna sorta shift out of, like, investing and be more, like, defensive, or would you just hold and wait, you know, given that you've got the time still working life behind you to recover those sort of dips in the market?","start":1288.25,"end":1300.875,"sentiment":"neutral","sentiment_score":-0.020846041581696933},{"text":"Or how do you think you'd feel about that?","start":1300.875,"end":1302.6,"sentiment":"neutral","sentiment_score":0.00686108445127805},{"text":"Yep.","start":1318.775,"end":1319.255,"sentiment":"neutral","sentiment_score":0.2608894407749176}],"sentiment":"neutral","sentiment_score":-0.006799648702144623,"num_words":85,"start":1280.17,"end":1319.255},{"sentences":[{"text":"Not a problem.","start":1319.255,"end":1320.235,"sentiment":"positive","sentiment_score":0.38915873567263287},{"text":"Yeah.","start":1330.55,"end":1331.05,"sentiment":"neutral","sentiment_score":0.3056534230709076},{"text":"Yep.","start":1336.63,"end":1337.13,"sentiment":"positive","sentiment_score":0.3641449213027954},{"text":"And then as far as, like, an expected return that you'd be hoping to get year on year out of your more conservative portfolio, if you're getting sort of 4% to 6% per annum on that more defensive investment, you'd be happy?","start":1337.75,"end":1349.875,"sentiment":"positive","sentiment_score":0.4331612154131844},{"text":"Or yeah.","start":1349.875,"end":1357.25,"sentiment":"neutral","sentiment_score":0.14741101348772645}],"sentiment":"positive","sentiment_score":0.4147932168514449,"num_words":49,"start":1319.255,"end":1357.25},{"sentences":[{"text":"At the moment, it came up quite obviously, you'd suffered a bit of the COVID dip and it has sort of recovered from that and so it did dip towards the end of last year, but I think it's, like, a twelve month return.","start":1357.25,"end":1368.175,"sentiment":"neutral","sentiment_score":-0.0956346821886572},{"text":"It's sitting in around 11% as a return.","start":1368.175,"end":1372.755,"sentiment":"neutral","sentiment_score":0.056895163375884295},{"text":"Yep.","start":1376.75,"end":1376.91,"sentiment":"neutral","sentiment_score":0.26415497064590454},{"text":"So if you're getting sort of six to eight, you'd be sort of happy if you were getting that out of your superannuation.","start":1376.91,"end":1381.17,"sentiment":"positive","sentiment_score":0.5223711431026459},{"text":"Yep.","start":1385.63,"end":1386.13,"sentiment":"positive","sentiment_score":0.4551856517791748}],"sentiment":"neutral","sentiment_score":0.11663782083755964,"num_words":77,"start":1357.25,"end":1386.13},{"sentences":[{"text":"Perfect.","start":1391.6449,"end":1392.1449,"sentiment":"positive","sentiment_score":0.7523549795150757},{"text":"So it does bring you out as a moderate investor, which is, like, in line with being in that sort of sixtyforty split of, like, growth to defensive assets.","start":1392.5249,"end":1399.6649,"sentiment":"positive","sentiment_score":0.42900569788340864},{"text":"Now as I said, we will have a look at just updating the portfolio and reviewing your retention strategy there as well.","start":1400.62,"end":1407.44,"sentiment":"neutral","sentiment_score":0.06268711489709941},{"text":"Obviously, with you still working and you've still got a few debts there, you may wanna sort of still hold on to those insurances just for, you know, another couple years at least until you potentially have access to your superannuation.","start":1407.8999,"end":1421.455,"sentiment":"neutral","sentiment_score":-0.02735141333101726},{"text":"Because then after that, obviously, after the age of 60, you could look to potentially draw down some of that if you were unable to sort of work and things like that without having to be totally permanently disabled, those sort of things.","start":1422.635,"end":1432.5499,"sentiment":"neutral","sentiment_score":-0.06554744401296904}],"sentiment":"neutral","sentiment_score":0.07818153460838777,"num_words":136,"start":1391.6449,"end":1432.5499},{"sentences":[{"text":"But currently, yeah, you've got that life and and TPD insurance held within that q super, which has been retained there for that purpose.","start":1433.01,"end":1441.2699,"sentiment":"neutral","sentiment_score":0.052303281147032976},{"text":"Yeah.","start":1447.405,"end":1447.905,"sentiment":"neutral","sentiment_score":0.07713496685028076},{"text":"Yep.","start":1448.605,"end":1449.105,"sentiment":"neutral","sentiment_score":0.07232429832220078},{"text":"Any you're still happy with retaining those in the retention strategy and, like, from your previous advice pieces?","start":1449.325,"end":1455.905,"sentiment":"neutral","sentiment_score":0.12135598808526993},{"text":"Yeah.","start":1457.1,"end":1457.6,"sentiment":"neutral","sentiment_score":0.1460409015417099}],"sentiment":"neutral","sentiment_score":0.08300414888395204,"num_words":45,"start":1433.01,"end":1457.6},{"sentences":[{"text":"Perfect.","start":1457.98,"end":1458.48,"sentiment":"neutral","sentiment_score":0.2416964620351791},{"text":"Not a problem at all.","start":1458.86,"end":1460.64,"sentiment":"neutral","sentiment_score":0.10053388625383378},{"text":"Obviously, we could look at reviewing and sort of looking at some sort of, like, retail cover, but given as you get older, retail cover gets quite a bit more expensive.","start":1461.66,"end":1468.96,"sentiment":"neutral","sentiment_score":-0.09889666690310885},{"text":"It may sort of be worth just holding on to those if you're sort of happy holding on to those.","start":1470.765,"end":1474.525,"sentiment":"neutral","sentiment_score":0.041821347549557686},{"text":"Obviously, you don't have income protection or trauma insurance currently, but they would come at sort of a a much higher cost than the insurance cost you're paying for your life and total permanent disability, if that makes sense.","start":1474.525,"end":1484.31,"sentiment":"negative","sentiment_score":-0.38886083853550446}],"sentiment":"neutral","sentiment_score":-0.1734435055477661,"num_words":96,"start":1457.98,"end":1484.31},{"sentences":[{"text":"Any are you comfortable with that?","start":1486.55,"end":1487.67,"sentiment":"neutral","sentiment_score":0.14969384918610254},{"text":"Is that something you did wanna have a look into?","start":1487.67,"end":1489.67,"sentiment":"neutral","sentiment_score":0.1582684576511383},{"text":"Or Yep.","start":1489.67,"end":1513.1599,"sentiment":"neutral","sentiment_score":-0.1770175900310278},{"text":"Yep.","start":1518.6599,"end":1519.1599,"sentiment":"neutral","sentiment_score":-0.15542805194854736},{"text":"Yep.","start":1529.235,"end":1529.735,"sentiment":"neutral","sentiment_score":-0.05445260927081108}],"sentiment":"neutral","sentiment_score":0.09584659151732922,"num_words":20,"start":1486.55,"end":1529.735},{"sentences":[{"text":"Yeah.","start":1542.93,"end":1543.43,"sentiment":"neutral","sentiment_score":-0.01337442547082901},{"text":"Yeah.","start":1552.545,"end":1553.045,"sentiment":"neutral","sentiment_score":-0.037517279386520386},{"text":"No.","start":1553.265,"end":1553.505,"sentiment":"neutral","sentiment_score":-0.12751798331737518},{"text":"Under understandable.","start":1553.505,"end":1554.245,"sentiment":"neutral","sentiment_score":-0.11710695922374725},{"text":"It's not like you're you're downhill mountain biking on the on the weekend, so completely understand.","start":1554.9451,"end":1559.605,"sentiment":"neutral","sentiment_score":-0.17767055053263903}],"sentiment":"neutral","sentiment_score":-0.15501678167354493,"num_words":21,"start":1542.93,"end":1559.605},{"sentences":[{"text":"Yeah.","start":1559.91,"end":1560.41,"sentiment":"neutral","sentiment_score":-0.06103835254907608},{"text":"Not a problem.","start":1566.4701,"end":1567.29,"sentiment":"neutral","sentiment_score":-0.09841956198215485},{"text":"Yeah.","start":1568.31,"end":1568.81,"sentiment":"neutral","sentiment_score":0.14285728335380554},{"text":"Don't worry.","start":1569.43,"end":1569.91,"sentiment":"neutral","sentiment_score":0.13404374569654465},{"text":"My nephews run circles around me as well.","start":1569.91,"end":1572.17,"sentiment":"neutral","sentiment_score":0.1401922758668661}],"sentiment":"neutral","sentiment_score":0.07841239621241887,"num_words":15,"start":1559.91,"end":1572.17},{"sentences":[{"text":"In so in regards to the advice piece, then we'll probably just look at reviewing that retention strategy and that rollover amount and just make sure that's still appropriate and then just look at updating those investments there.","start":1575.185,"end":1586.645,"sentiment":"neutral","sentiment_score":0.10235886236554698},{"text":"In relation to your estate planning, I know you don't have a will in place there currently.","start":1587.26,"end":1592.1599,"sentiment":"neutral","sentiment_score":-0.09051290395505288},{"text":"Now, obviously, these things sort of are important to have, but, generally, they're done like, you know, with lawyers, we can sort of have a discussion around generally how you might split it up and things like that.","start":1593.1,"end":1603.305,"sentiment":"neutral","sentiment_score":0.039528995213147844},{"text":"But, ultimately, it is a lot.","start":1603.305,"end":1605.2451,"sentiment":"neutral","sentiment_score":0.14685854564110437},{"text":"Okay.","start":1607.4651,"end":1607.9651,"sentiment":"neutral","sentiment_score":0.16463810205459595}],"sentiment":"neutral","sentiment_score":0.048988085966557265,"num_words":100,"start":1575.185,"end":1607.9651},{"sentences":[{"text":"That that's perfect.","start":1608.7451,"end":1613.1,"sentiment":"positive","sentiment_score":0.35968857010205585},{"text":"I do oh, just the checkups.","start":1613.88,"end":1620.12,"sentiment":"neutral","sentiment_score":0.15705503399173418},{"text":"Yep.","start":1620.12,"end":1620.62,"sentiment":"neutral","sentiment_score":0.1872382611036301},{"text":"Perfect.","start":1621.1599,"end":1621.6599,"sentiment":"positive","sentiment_score":0.46225929260253906},{"text":"Okay.","start":1624.0399,"end":1624.5399,"sentiment":"neutral","sentiment_score":0.12246254831552504}],"sentiment":"neutral","sentiment_score":0.23277966802318892,"num_words":12,"start":1608.7451,"end":1624.5399},{"sentences":[{"text":"All the advanced health care yeah.","start":1626.765,"end":1629.105,"sentiment":"neutral","sentiment_score":0.09543218525747459},{"text":"Okay.","start":1629.565,"end":1629.965,"sentiment":"neutral","sentiment_score":0.08966536819934845},{"text":"Yep.","start":1629.965,"end":1630.465,"sentiment":"neutral","sentiment_score":0.07171717286109924},{"text":"Yeah.","start":1633.405,"end":1633.8049,"sentiment":"neutral","sentiment_score":0.08869560062885284},{"text":"Okay.","start":1633.8049,"end":1634.205,"sentiment":"neutral","sentiment_score":0.087382972240448}],"sentiment":"neutral","sentiment_score":0.09100542254745961,"num_words":10,"start":1626.765,"end":1634.205},{"sentences":[{"text":"Yep.","start":1634.205,"end":1634.705,"sentiment":"neutral","sentiment_score":0.0740019828081131},{"text":"And do do you kinda set up a power of attorney with that one as well?","start":1647.66,"end":1651.095,"sentiment":"neutral","sentiment_score":0.08535556751303375},{"text":"Yep.","start":1661.1749,"end":1661.6749,"sentiment":"neutral","sentiment_score":-0.019273731857538223},{"text":"It it is a little bit morbid.","start":1662.375,"end":1663.86,"sentiment":"neutral","sentiment_score":-0.25400607713631224},{"text":"A lot of people don't like to do it, but it is a fact of life even if it's accidental or, you know, just just old age, things like that.","start":1664.26,"end":1671.72,"sentiment":"neutral","sentiment_score":-0.21523503164450328}],"sentiment":"neutral","sentiment_score":-0.12390320287509397,"num_words":55,"start":1634.205,"end":1671.72},{"sentences":[{"text":"You know, it can come out of anywhere and does help to have those sort of documents in place than to leave the family scrambling, you know, for eighteen months to put everything together and after the fact when it is a time when you'd rather be sort of grieving.","start":1671.86,"end":1686.395,"sentiment":"neutral","sentiment_score":-0.15684644646942617},{"text":"Yeah.","start":1701.5249,"end":1702.0249,"sentiment":"neutral","sentiment_score":0.10569971054792404},{"text":"Brian, that's good to to hear.","start":1717.46,"end":1719.48,"sentiment":"positive","sentiment_score":0.6980995833873749},{"text":"So we won't even look at estate planning matters just to like, normally, as reminders, anyway, we put in, like, sort of your beneficiary nominations, reviewing those and the wills and power of attorney.","start":1719.7,"end":1727.835,"sentiment":"neutral","sentiment_score":0.14264915346661033},{"text":"But if you've already sorted that out and got your bookings all sorted, that's not a problem.","start":1727.835,"end":1732.155,"sentiment":"neutral","sentiment_score":0.19073947869679508}],"sentiment":"neutral","sentiment_score":0.04207978928806605,"num_words":108,"start":1671.86,"end":1732.155},{"sentences":[{"text":"We'll just look to do that investment update.","start":1732.155,"end":1734.255,"sentiment":"neutral","sentiment_score":0.22694670222699642},{"text":"But is there anything else that you sort of want to address there, Allison, in regards to updating your adviser, or are you happy just to be that investment update?","start":1734.315,"end":1742.415,"sentiment":"neutral","sentiment_score":0.0841895600159963},{"text":"Yep.","start":1759.8151,"end":1760.055,"sentiment":"neutral","sentiment_score":0.0693809986114502},{"text":"Yep.","start":1760.055,"end":1760.375,"sentiment":"neutral","sentiment_score":0.07912833988666534},{"text":"Not a problem at all.","start":1760.375,"end":1761.415,"sentiment":"neutral","sentiment_score":0.23810025155544282}],"sentiment":"neutral","sentiment_score":0.12622824476824868,"num_words":45,"start":1732.155,"end":1761.415},{"sentences":[{"text":"And as far as, like, your savings per week currently on your current wage, do you know what roughly that might look like as savings per week?","start":1761.415,"end":1771.55,"sentiment":"neutral","sentiment_score":0.02790526024721287},{"text":"Yep.","start":1776.01,"end":1776.51,"sentiment":"neutral","sentiment_score":0.012447218410670756},{"text":"7,000.","start":1781.865,"end":1782.585,"sentiment":"neutral","sentiment_score":0.07104739546775818},{"text":"Brilliant.","start":1782.585,"end":1783.085,"sentiment":"positive","sentiment_score":0.4139505624771118},{"text":"Just because, obviously, you know, increasing it would obviously affect, like, what you might be taking home at the end of the day there as well.","start":1783.3849,"end":1789.8049,"sentiment":"neutral","sentiment_score":0.10710769834426734}],"sentiment":"neutral","sentiment_score":0.0720658457139507,"num_words":56,"start":1761.415,"end":1789.8049},{"sentences":[{"text":"But we can show oh, sorry.","start":1791.3049,"end":1793.005,"sentiment":"neutral","sentiment_score":0.030057805590331554},{"text":"Yeah.","start":1799.93,"end":1800.25,"sentiment":"neutral","sentiment_score":0.16837340593338013},{"text":"That's good to hear that you've got a bit of a rainy day fund there as well.","start":1800.25,"end":1803.71,"sentiment":"neutral","sentiment_score":0.31486402890261483},{"text":"So with that and the advice piece, I can show you what the 7.5 looks like, and we can put 5% in the appendix as well to show you the difference.","start":1803.93,"end":1812.965,"sentiment":"neutral","sentiment_score":0.1116411309809454},{"text":"And then from there, you can obviously choose to bump it up with the 7.5 if your payroll is happy to do that or keeping it at the five.","start":1813.585,"end":1820.705,"sentiment":"neutral","sentiment_score":0.14233928405005355}],"sentiment":"neutral","sentiment_score":0.1582157503414367,"num_words":84,"start":1791.3049,"end":1820.705},{"sentences":[{"text":"You can see what that sort of looks like just as a breakdown there as well.","start":1820.705,"end":1824.725,"sentiment":"neutral","sentiment_score":0.09000295680016279},{"text":"There's concessional caps for how much you can contribute.","start":1831.71,"end":1835.97,"sentiment":"neutral","sentiment_score":-0.016546560865309503},{"text":"Do you know if they pay contributions based on your total salary or just the base income amount?","start":1836.83,"end":1843.205,"sentiment":"neutral","sentiment_score":-0.004872736728025807},{"text":"Yep.","start":1845.825,"end":1846.325,"sentiment":"neutral","sentiment_score":0.1739308536052704},{"text":"So yep.","start":1846.865,"end":1850.165,"sentiment":"neutral","sentiment_score":0.11966358125209808}],"sentiment":"neutral","sentiment_score":0.03514515252217003,"num_words":46,"start":1820.705,"end":1850.165},{"sentences":[{"text":"Okay.","start":1874.8151,"end":1875.215,"sentiment":"neutral","sentiment_score":0.3206847012042999},{"text":"Perfect.","start":1875.215,"end":1875.715,"sentiment":"positive","sentiment_score":0.5004380941390991},{"text":"And then so with that one, there are, like, limits on how many con like, amount of concessional contributions you can make to superannuation.","start":1875.775,"end":1882.96,"sentiment":"neutral","sentiment_score":0.11157198405514161},{"text":"Now with that currently there so based on $75,000 per annum sort of thing, you're looking at, like, based on the 12%, it would be, like, 9,000, but, obviously, you're doing more than that now.","start":1883.74,"end":1896.015,"sentiment":"neutral","sentiment_score":0.023407230313335147},{"text":"It's based on, like, 17%.","start":1896.015,"end":1898.015,"sentiment":"neutral","sentiment_score":0.0008485265076160431}],"sentiment":"neutral","sentiment_score":0.06549009251775163,"num_words":66,"start":1874.8151,"end":1898.015},{"sentences":[{"text":"So you'd be doing around, like, sort of 12,750 in terms of, like, employer pay contributions.","start":1898.015,"end":1903.475,"sentiment":"neutral","sentiment_score":0.030429537408053875},{"text":"And then from there, if you're doing the max amount so if you were getting $2.30 per fortnight for twenty six weeks, which might be a little bit less, you're probably not working fifty two weeks of the year, it would be, like, a maximum of 6,000.","start":1904.255,"end":1917.56,"sentiment":"neutral","sentiment_score":-0.022215467877686024},{"text":"So as long as you're not exceeding that concessional cap of 30,000, it's you're not breaching any rules.","start":1917.56,"end":1923.675,"sentiment":"neutral","sentiment_score":0.01653405899802844},{"text":"It's just obviously up to your employer if they're happy to do the salary sacrifice there for you.","start":1923.675,"end":1928.3351,"sentiment":"neutral","sentiment_score":-0.004918174662937722},{"text":"Yeah.","start":1930.33,"end":1930.83,"sentiment":"neutral","sentiment_score":0.08213625848293304}],"sentiment":"neutral","sentiment_score":-0.002660322152078152,"num_words":100,"start":1898.015,"end":1930.83},{"sentences":[{"text":"And then if you did breach the 30,000, what happens is you basically just have to pay more tax because the concessional and the accounts for that 15% tax in super for 30,000.","start":1931.2899,"end":1941.1299,"sentiment":"neutral","sentiment_score":-0.20657771554860202},{"text":"After that, you get slapped with an additional tax because they don't want everyone dumping all their money into superannuation, if that makes sense.","start":1941.1299,"end":1949.595,"sentiment":"negative","sentiment_score":-0.37195238020891946},{"text":"No.","start":1957.35,"end":1957.67,"sentiment":"neutral","sentiment_score":-0.3233519196510315},{"text":"So even if we you were, like, getting 17% on 75,000 plus your your contributions there, you'd still be sort of well under the actual cap there.","start":1957.67,"end":1967.9299,"sentiment":"neutral","sentiment_score":-0.10736271021542726},{"text":"Yeah.","start":1991.39,"end":1991.87,"sentiment":"neutral","sentiment_score":0.2836153507232666}],"sentiment":"neutral","sentiment_score":-0.21723780794025854,"num_words":86,"start":1931.2899,"end":1991.87},{"sentences":[{"text":"Plus you gotta take into account, like, yeah, your your growth as well and what you're you're getting out of that each year.","start":1991.87,"end":1998.485,"sentiment":"positive","sentiment_score":0.5055683566176373},{"text":"And then also if your income like CPI is up throughout that time as well, what that looks like.","start":1998.485,"end":2004.425,"sentiment":"neutral","sentiment_score":0.21686817156641106},{"text":"Yeah.","start":2007.7001,"end":2008.2001,"sentiment":"neutral","sentiment_score":0.0026306062936782837},{"text":"Yeah.","start":2012.42,"end":2012.66,"sentiment":"neutral","sentiment_score":0.018018487840890884},{"text":"I can let you know your balance there currently.","start":2012.66,"end":2015.56,"sentiment":"neutral","sentiment_score":0.04967988116873635}],"sentiment":"neutral","sentiment_score":0.30596859408718236,"num_words":53,"start":1991.87,"end":2015.56},{"sentences":[{"text":"So at the moment, it's sitting around a $139,670.","start":2016.02,"end":2020.4401,"sentiment":"neutral","sentiment_score":0.025555032201939158},{"text":"Yeah.","start":2026.6549,"end":2026.975,"sentiment":"neutral","sentiment_score":0.05655064433813095},{"text":"And then you you yeah.","start":2026.975,"end":2030.095,"sentiment":"neutral","sentiment_score":0.060434676334261896},{"text":"Yeah.","start":2030.095,"end":2030.335,"sentiment":"neutral","sentiment_score":0.16256475448608398},{"text":"Plus your q super balance there as well.","start":2030.335,"end":2032.755,"sentiment":"neutral","sentiment_score":0.17047675885260105}],"sentiment":"neutral","sentiment_score":0.08812908921390772,"num_words":24,"start":2016.02,"end":2032.755},{"sentences":[{"text":"But, yeah, obviously, we'll base it off those fees.","start":2033.78,"end":2035.94,"sentiment":"neutral","sentiment_score":0.08757938113477495},{"text":"We might have to call you just to get an updated fee for the the s like, the SOA.","start":2035.94,"end":2040.02,"sentiment":"neutral","sentiment_score":0.08590577464354665},{"text":"So we'll use this statement for the research.","start":2040.02,"end":2042.5,"sentiment":"neutral","sentiment_score":0.15960700623691082},{"text":"But just to make sure that the statement advice is more accurate, we might give you a quick call just to get an actual balance that's more current for when we actually put the finalized document together just to make sure that the the figures line up with the what would be rolled over and what's the recommendations as well.","start":2042.5,"end":2059.26,"sentiment":"neutral","sentiment_score":0.15568863513569037},{"text":"Yeah.","start":2064.62,"end":2064.94,"sentiment":"neutral","sentiment_score":0.10835882276296616}],"sentiment":"neutral","sentiment_score":0.13553564050762923,"num_words":97,"start":2033.78,"end":2064.94},{"sentences":[{"text":"We might just send you an email even.","start":2064.94,"end":2066.94,"sentiment":"neutral","sentiment_score":0.10119362361729145},{"text":"And if you just respond to the email, that'd be more than fine as well.","start":2066.94,"end":2070.8,"sentiment":"neutral","sentiment_score":0.1745447206000487},{"text":"Yep.","start":2078.085,"end":2078.565,"sentiment":"neutral","sentiment_score":-0.001294795423746109},{"text":"All over the shop.","start":2078.565,"end":2079.785,"sentiment":"neutral","sentiment_score":-0.02062129322439432},{"text":"Yeah.","start":2090.02,"end":2090.4202,"sentiment":"neutral","sentiment_score":0.014209151268005373}],"sentiment":"neutral","sentiment_score":0.11579824072019808,"num_words":29,"start":2064.94,"end":2090.4202},{"sentences":[{"text":"No.","start":2090.4202,"end":2090.6602,"sentiment":"neutral","sentiment_score":-0.0941169410943985},{"text":"Completely understand.","start":2090.6602,"end":2091.7202,"sentiment":"neutral","sentiment_score":-0.0319910142570734},{"text":"Yeah.","start":2093.1401,"end":2093.4602,"sentiment":"neutral","sentiment_score":0.0914396420121193},{"text":"So same with the booking too.","start":2093.4602,"end":2094.6602,"sentiment":"neutral","sentiment_score":0.16403964161872864},{"text":"If we don't get ahold of you, we'll just shoot you an email to get you booked back in to have a discussion around that.","start":2094.6602,"end":2099.9248,"sentiment":"neutral","sentiment_score":0.11621183454990387}],"sentiment":"neutral","sentiment_score":0.10922498245324408,"num_words":35,"start":2090.4202,"end":2099.9248},{"sentences":[{"text":"But do you have any other questions for me there, Allison, in regards to perfect.","start":2099.9248,"end":2106.6648,"sentiment":"neutral","sentiment_score":0.0714962994058927},{"text":"If anything does come up in the meantime, feel free to always reach out and touch base.","start":2106.8848,"end":2110.6448,"sentiment":"neutral","sentiment_score":0.1909977714805042},{"text":"The team will obviously get you in touch with me, but we'll just start that.","start":2110.6448,"end":2114.29,"sentiment":"neutral","sentiment_score":0.25156580805778506},{"text":"It is quite straightforward in terms of what the advice is.","start":2114.29,"end":2116.77,"sentiment":"positive","sentiment_score":0.3439122032035481},{"text":"Like you said, normally, it just gets rolled over, but just given that the time, we'll we'll just review those investments in addition to the rollover retention strategy as well.","start":2116.77,"end":2125.695,"sentiment":"neutral","sentiment_score":0.18109675198793412}],"sentiment":"neutral","sentiment_score":0.19669125593182715,"num_words":88,"start":2099.9248,"end":2125.695},{"sentences":[{"text":"No problem.","start":2128.735,"end":2129.375,"sentiment":"positive","sentiment_score":0.5147586911916733},{"text":"Well, thanks for your time today, Allison.","start":2129.375,"end":2130.995,"sentiment":"positive","sentiment_score":0.7245593581880841},{"text":"I'll let you get back to your afternoon.","start":2131.0552,"end":2132.495,"sentiment":"positive","sentiment_score":0.49992258846759796},{"text":"Stop taking up your time, and I'll talk soon, I'm sure.","start":2132.495,"end":2134.915,"sentiment":"neutral","sentiment_score":0.1516101143576882},{"text":"Thanks.","start":2136.2551,"end":2136.655,"sentiment":"positive","sentiment_score":0.6128939390182495}],"sentiment":"positive","sentiment_score":0.42694547566874275,"num_words":29,"start":2128.735,"end":2136.655},{"sentences":[{"text":"Bye now.","start":2136.655,"end":2137.395,"sentiment":"positive","sentiment_score":0.4299332946538925}],"sentiment":"positive","sentiment_score":0.4299332946538925,"num_words":2,"start":2136.655,"end":2137.395}]}}]},{"alternatives":[{"transcript":"Hello. Welcome, speaking. Good. Thank you. Yes. Okay. Allison Down Lane. 6 To The 1st 69. 16 Chetham Drive, Cowan. I did my key zippers information to you to to to take it from whatever is over 10,000 to take it over to roll over into Hub 20 yeah. Hub 24. Yeah. Yeah, I've just sent it. I had it sent to me on the December 13, I think it was. Yes. I have. Yeah. It has all the the balance and everything on it. What insurance is the insurance is on it and everything. And that well, I only sent it the other day, and the and the person I talked to last week was said that they would they received it. They opened it up and we said they received it. Okay. Okay. The thing is is is seems to be going alright as far as I'm concerned. I have changed positions within my workplace as well. And because it's with Queensland Health employment, if you're a permanent employee, you have need to make a 5% contribution to super, and that that comes out of my my gross wages. And it has been and I've that's only been around 60 or $70 for the last couple of years. But with my new position, it's it's jumped up to about a 140 a $160 a fortnight at the moment. But I'm also just thinking about I've only got, like, roughly ten years left. And I'm thinking about seeing if I can up that 5% to seven and a half percent and see how it goes for the next year with that, and then and then maybe increase it to 10%. I don't know if that's feasible yet. I don't know how if I'm allowed to increase it or not. I should be able to. Yes. Yeah. So I worked it out. I worked it out for seven and a half percent on what my current roughly, my current gross amount is because I'm now full time work. I'm not part time anymore. And then and I would the the seven the seven and a half percent would bump it up to about 200 to $230 a fortnight depending on what type of shifts I work. Yeah. But we've only got two I only got eighteen months left on the personal loan and three years on the car loan. And then and we're doing really good with that. And it's I'm sort of thinking not don't have to pay it out any sooner. I don't yeah. Because my wife is going from getting, like, 1,200 in the hand after tax and that to getting 1,800 to 2,200 in the hand depending on what is the work. And then I'm going from around 47,000 or $49,000 a year to 70 to 75,000 a year. So on a weekly basis, that's thirty three and a half hours. Yes. Yes. So my base my base growth for this if I did Monday to Friday and only morning shifts on that would be 2,500 gross on that. Yeah. On that. And that the and at the moment, I'm averaging around 27 to actually the week when I finish the fortnight this week, I'll earn a 3,300 for the fortnight because I've worked a couple of weekends. Yep. Yep. It's it's yeah. So my wife just has jumped. I know. We're still wrapping our head around that and wrapping around work working full time again. 15,000. Yeah. I think so. Something like that or even maybe even a bit less on that. Because we don't get a statement from it on that. But there's a seven year car loan and that and we've only got three years left. Yes. You know, I'm an assistant nurse, but, yeah, I'm just I've just moved departments on that, and I am in the way. I I'm just aged care at the hospital. I work in the the area geriatric ward and that which are acute acute care. So these people are minimum age of 70 years and over on that, and we're just working in the acute world where I'm assisting the the registered staff to with cares and monitoring their health. Yeah. We still can't go anywhere because we still got our mother-in-law who's, you know, in her middle nineties now on that. So we're looking at that she's probably going to make a 100 now, and we don't wanna go too far away from her because just in case she needs us on that. But with I'm my husband and we sat down and talked with we wanna sit we're not going to I'm get I can retire at 67. And he said that he will work over over he's 67 until I reach retirement age. And it said that we retire together. I went so we're looking at ten years now, and then and I probably won't retire straight at 67. I will retire after my 60 birthday. Because if I stay with this company, I'll be twenty years three months after my 60 birthday on it. So I just wanna stay there and to to achieve that milestone, I think, which is I think it's a good milestone. Oh, yeah. Yep. So I've got the ten years this March. And that and even though I started getting partial long service leave on my seventh year, there's a bonus if you actually achieve it to when you reach the actual tenth year the date on the tenth year. They give us a bonus hours. Mhmm. Yep. I'm not sure because I I should have it in a balance which this you know, because I'm very not yeah. I'm very conservative with the share market. I I have seen so many and I've had a couple of family members lose a lot on the share market. So therefore, I'm I'm not because my father my my own father had to work till 75 because he lost so much in the the early two thousand crash. Yep. And then he lost nearly half his super. And that's how it was devastating blow for him. Mhmm. Mhmm. Yeah. It's probably best to pull out of there. Not now. What yep. No. You're alright. Yeah. And that's why I've also you know, I'm I'm thinking ahead of these last ten years that if I can put a little bit extra into my super, you know, and we can, you know, still live comfortably on a day to day basis and pay our bills and and just boost my super up a little bit quicker. If you if you if you understand what I'm saying. Mhmm. Yeah. Yeah. No. I've been talking talking about my husband. He was and then one of one of the gentlemen who was talking to him was saying that now that he's over 60, he should be able to put so much of his wage into super and then withdraw it out after so that he's still getting the same amount of money in income for the. Yeah. Well, I because I think I've just convinced him that he should be paying coaching his boss about putting 5% of his income into super. Yeah. I know. Because he's fully with Hub twenty four. He doesn't have to have another super with his company, whereas I do because I'm Queensland Health. Yeah. I want him to do I want him to do that because down there and yeah. Like I said, we've got we're looking at ten years. We don't wanna work too much longer over our 67 mark. It's not that, you know, we we can't work. It's just that, you know, we've we've we've done the the tough trials of that, and now we just wanna take it a little bit easier once we get to that to that age. Yeah. Because our kids are all settled. They're all married now, and so we don't have any dependents on that as such. We've just got our parents. You know? And then he's got his mother. He's still alive. His father's gone. And I've got my parents still alive. And that but they're they're only they're only 78, 79 years of age. And that and they're still fighting fit at the moment. But anything can happen. Yeah. I don't because we see live so far away from my own family because I'm all from all from New South Wales, and we live at the top of Queensland. North of Queensland. You know, it's a two day to three day drive to get to to any room. Yeah. Yeah. Yeah. Well, we've had last Christmas off there. We haven't spent Christmas with the family. So we haven't spent any time with them for ten years. That's good. Yeah. But now that I was off well, I was offered this full time job, so it was an opportunity I just couldn't pass up. So oh, yeah. And then it's it's it was it was tough for the first two months of settling in and going full time, working four to five days a week. But, yeah, it's a salad in there. No. No. I've never had shoes before. My family my other family members, my parents, when I've had I've never had shoes. I'm very moderate. And I'm really not a risk taker at all. Yeah. I think I'd like to keep it as it is, see how it goes. I mean, once I reach that 60 mark and see how, you know, we've paid things off and and then just see how the market's all going there. I know. I know. Give us a even us ourselves this couple of years of of a full time job and seeing how we're going. Having that no major incidents has have have occurred. Yeah. I think I got that I got a lot more than that last year. So because I noticed that the q c for one was around the seven seven and a half percent. Yeah. As long as I'm still getting a positive, that is what I'm I'm looking at. I'm happy with. Yep. Yeah. K. I'm gonna keep them while I'm working. Yes. Mhmm. Yeah. No. Not I I mean, I don't think yeah. Life insurance is is something I need it. And then alright. And I mean, I mean, I don't a lot of people say, oh, that's terrible. But I've got permanent disability and death cover with work and that, and I think that's where my biggest risk of an injury is going to be. And that because we're not we're not daredevils or we don't go and do we don't speed drive funny or anything like that. I don't know. So, yeah, I just and then my biggest injury would be work, and that's the same as my husband. He drives the truck, so therefore, he he's he's covered for work. He's he's he's he's more important than anything else. No. And then maybe when we were in our twenties. Really? No. Not now. I have trouble keeping up with the grandkids. I've got an appointment in in the next couple of weeks coming up. We actually are we are being proactive at the moment. And then we've got appointment with the doctors first and that because we're doing our health directives and everything. And and and it is a health directive that we've got. We're updating it because it's the the health directive formula. It's all changed at the moment, so there's all new forms. And that's why and that's why we're doing doing all those things first before and we wanna put them all in place. And then and get the kids to agree who's going to be the POAs and everything for us. Yep. Everything's gonna be and that was sat down with our kids at Christmas, and we've done a lot of frank talking with our children. Yep. Yeah. Yeah. So we've got we've got things in place. We've got our doctors in bookings in the next couple of weeks. And then because then getting into what the doctor does today is quite an advancement on that. And because we have to book longer times for these documents to be done. And then and then we're doing the appointment for the wheel after that's finalized. Mhmm. No. That'll be fine. Just doing the investment update would be great. And then I'm gonna get in contact with my payroll and and do a discussion with them. And then there's few other things that's just, you know, giving we're putting $200 away every week into our savings card. We've currently got about 700,000. Mhmm. Oh, just just we keep them in the electronics because we never know when a washing machine is gonna go. Yeah. Mhmm. I think, like, there would be a limit of how much I can contribute to my super or not. But I would do it monthly. They take it out every fortnight. They calculate it every fortnight. So that the 5% comes out every fortnight, and the 12% gets calculated monthly on the gross income I earn monthly, and then they just put it on that second or third pay slip, how much they contributed to my super fund for the month. Okay. Yep. Mhmm. Yeah. I knew there was a a limit, but I wasn't I didn't think I would be earning enough to get to that limit anyway. I sort of I sort of sort of worked out that, you know, over the next ten years, I'll be putting in roughly a 140,000 at the 7 and a half thousand seven and a half percent, I should say, was my my cap calculations. Yeah. Alright. I must admit I don't even have my balance with HUB at the moment. Mhmm. Alright. And then I've got the well, the 15 thousand going over to it. Yeah. Yeah. Okay. So just when you do ring, if I don't answer, just leave a message, and I'll call yeah. Yeah. Yeah. Do that because at at the moment, I only got a roster up until the March 15. And that's I don't know anything I don't know what my schedule is until after this till Monday. May I bring out a new roster? Yep. No. No. It's an extension one. That sounds good. Okay. Thank you. 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Welcome, speaking. Good. Thank you. Yes.\n\nOkay. Allison Down Lane. 6 To The 1st 69. 16 Chetham Drive, Cowan. I did my key zippers information to you to to to take it from whatever is over 10,000 to take it over to roll over into Hub 20 yeah.\n\nHub 24. Yeah. Yeah, I've just sent it. I had it sent to me on the December 13, I think it was. Yes.\n\nI have. Yeah. It has all the the balance and everything on it. What insurance is the insurance is on it and everything. And that well, I only sent it the other day, and the and the person I talked to last week was said that they would they received it.\n\nThey opened it up and we said they received it. Okay. Okay. The thing is is is seems to be going alright as far as I'm concerned. I have changed positions within my workplace as well.\n\nAnd because it's with Queensland Health employment, if you're a permanent employee, you have need to make a 5% contribution to super, and that that comes out of my my gross wages. And it has been and I've that's only been around 60 or $70 for the last couple of years. But with my new position, it's it's jumped up to about a 140 a $160 a fortnight at the moment. But I'm also just thinking about I've only got, like, roughly ten years left. And I'm thinking about seeing if I can up that 5% to seven and a half percent and see how it goes for the next year with that, and then and then maybe increase it to 10%.\n\nI don't know if that's feasible yet. I don't know how if I'm allowed to increase it or not. I should be able to. Yes. Yeah.\n\nSo I worked it out. I worked it out for seven and a half percent on what my current roughly, my current gross amount is because I'm now full time work. I'm not part time anymore. And then and I would the the seven the seven and a half percent would bump it up to about 200 to $230 a fortnight depending on what type of shifts I work. Yeah.\n\nBut we've only got two I only got eighteen months left on the personal loan and three years on the car loan. And then and we're doing really good with that. And it's I'm sort of thinking not don't have to pay it out any sooner. I don't yeah. Because my wife is going from getting, like, 1,200 in the hand after tax and that to getting 1,800 to 2,200 in the hand depending on what is the work.\n\nAnd then I'm going from around 47,000 or $49,000 a year to 70 to 75,000 a year. So on a weekly basis, that's thirty three and a half hours. Yes. Yes. So my base my base growth for this if I did Monday to Friday and only morning shifts on that would be 2,500 gross on that.\n\nYeah. On that. And that the and at the moment, I'm averaging around 27 to actually the week when I finish the fortnight this week, I'll earn a 3,300 for the fortnight because I've worked a couple of weekends. Yep. Yep.\n\nIt's it's yeah. So my wife just has jumped. I know. We're still wrapping our head around that and wrapping around work working full time again. 15,000.\n\nYeah. I think so. Something like that or even maybe even a bit less on that. Because we don't get a statement from it on that. But there's a seven year car loan and that and we've only got three years left.\n\nYes. You know, I'm an assistant nurse, but, yeah, I'm just I've just moved departments on that, and I am in the way. I I'm just aged care at the hospital. I work in the the area geriatric ward and that which are acute acute care. So these people are minimum age of 70 years and over on that, and we're just working in the acute world where I'm assisting the the registered staff to with cares and monitoring their health.\n\nYeah. We still can't go anywhere because we still got our mother-in-law who's, you know, in her middle nineties now on that. So we're looking at that she's probably going to make a 100 now, and we don't wanna go too far away from her because just in case she needs us on that. But with I'm my husband and we sat down and talked with we wanna sit we're not going to I'm get I can retire at 67. And he said that he will work over over he's 67 until I reach retirement age.\n\nAnd it said that we retire together. I went so we're looking at ten years now, and then and I probably won't retire straight at 67. I will retire after my 60 birthday. Because if I stay with this company, I'll be twenty years three months after my 60 birthday on it. So I just wanna stay there and to to achieve that milestone, I think, which is I think it's a good milestone.\n\nOh, yeah. Yep. So I've got the ten years this March. And that and even though I started getting partial long service leave on my seventh year, there's a bonus if you actually achieve it to when you reach the actual tenth year the date on the tenth year. They give us a bonus hours.\n\nMhmm. Yep. I'm not sure because I I should have it in a balance which this you know, because I'm very not yeah. I'm very conservative with the share market. I I have seen so many and I've had a couple of family members lose a lot on the share market.\n\nSo therefore, I'm I'm not because my father my my own father had to work till 75 because he lost so much in the the early two thousand crash. Yep. And then he lost nearly half his super. And that's how it was devastating blow for him. Mhmm.\n\nMhmm. Yeah. It's probably best to pull out of there. Not now. What yep.\n\nNo. You're alright. Yeah. And that's why I've also you know, I'm I'm thinking ahead of these last ten years that if I can put a little bit extra into my super, you know, and we can, you know, still live comfortably on a day to day basis and pay our bills and and just boost my super up a little bit quicker. If you if you if you understand what I'm saying.\n\nMhmm. Yeah. Yeah. No. I've been talking talking about my husband.\n\nHe was and then one of one of the gentlemen who was talking to him was saying that now that he's over 60, he should be able to put so much of his wage into super and then withdraw it out after so that he's still getting the same amount of money in income for the. Yeah. Well, I because I think I've just convinced him that he should be paying coaching his boss about putting 5% of his income into super. Yeah. I know.\n\nBecause he's fully with Hub twenty four. He doesn't have to have another super with his company, whereas I do because I'm Queensland Health. Yeah. I want him to do I want him to do that because down there and yeah. Like I said, we've got we're looking at ten years.\n\nWe don't wanna work too much longer over our 67 mark. It's not that, you know, we we can't work. It's just that, you know, we've we've we've done the the tough trials of that, and now we just wanna take it a little bit easier once we get to that to that age. Yeah. Because our kids are all settled.\n\nThey're all married now, and so we don't have any dependents on that as such. We've just got our parents. You know? And then he's got his mother. He's still alive.\n\nHis father's gone. And I've got my parents still alive. And that but they're they're only they're only 78, 79 years of age. And that and they're still fighting fit at the moment. But anything can happen.\n\nYeah. I don't because we see live so far away from my own family because I'm all from all from New South Wales, and we live at the top of Queensland. North of Queensland. You know, it's a two day to three day drive to get to to any room. Yeah.\n\nYeah. Yeah. Well, we've had last Christmas off there. We haven't spent Christmas with the family. So we haven't spent any time with them for ten years.\n\nThat's good. Yeah. But now that I was off well, I was offered this full time job, so it was an opportunity I just couldn't pass up. So oh, yeah. And then it's it's it was it was tough for the first two months of settling in and going full time, working four to five days a week.\n\nBut, yeah, it's a salad in there. No. No. I've never had shoes before. My family my other family members, my parents, when I've had I've never had shoes.\n\nI'm very moderate. And I'm really not a risk taker at all. Yeah. I think I'd like to keep it as it is, see how it goes. I mean, once I reach that 60 mark and see how, you know, we've paid things off and and then just see how the market's all going there.\n\nI know. I know. Give us a even us ourselves this couple of years of of a full time job and seeing how we're going. Having that no major incidents has have have occurred. Yeah.\n\nI think I got that I got a lot more than that last year. So because I noticed that the q c for one was around the seven seven and a half percent. Yeah. As long as I'm still getting a positive, that is what I'm I'm looking at. I'm happy with.\n\nYep. Yeah. K. I'm gonna keep them while I'm working. Yes.\n\nMhmm. Yeah. No. Not I I mean, I don't think yeah. Life insurance is is something I need it.\n\nAnd then alright. And I mean, I mean, I don't a lot of people say, oh, that's terrible. But I've got permanent disability and death cover with work and that, and I think that's where my biggest risk of an injury is going to be. And that because we're not we're not daredevils or we don't go and do we don't speed drive funny or anything like that. I don't know.\n\nSo, yeah, I just and then my biggest injury would be work, and that's the same as my husband. He drives the truck, so therefore, he he's he's covered for work. He's he's he's he's more important than anything else. No. And then maybe when we were in our twenties.\n\nReally? No. Not now. I have trouble keeping up with the grandkids. I've got an appointment in in the next couple of weeks coming up.\n\nWe actually are we are being proactive at the moment. And then we've got appointment with the doctors first and that because we're doing our health directives and everything. And and and it is a health directive that we've got. We're updating it because it's the the health directive formula. It's all changed at the moment, so there's all new forms.\n\nAnd that's why and that's why we're doing doing all those things first before and we wanna put them all in place. And then and get the kids to agree who's going to be the POAs and everything for us. Yep. Everything's gonna be and that was sat down with our kids at Christmas, and we've done a lot of frank talking with our children. Yep.\n\nYeah. Yeah. So we've got we've got things in place. We've got our doctors in bookings in the next couple of weeks. And then because then getting into what the doctor does today is quite an advancement on that.\n\nAnd because we have to book longer times for these documents to be done. And then and then we're doing the appointment for the wheel after that's finalized. Mhmm. No. That'll be fine.\n\nJust doing the investment update would be great. And then I'm gonna get in contact with my payroll and and do a discussion with them. And then there's few other things that's just, you know, giving we're putting $200 away every week into our savings card. We've currently got about 700,000. Mhmm.\n\nOh, just just we keep them in the electronics because we never know when a washing machine is gonna go. Yeah. Mhmm. I think, like, there would be a limit of how much I can contribute to my super or not. But I would do it monthly.\n\nThey take it out every fortnight. They calculate it every fortnight. So that the 5% comes out every fortnight, and the 12% gets calculated monthly on the gross income I earn monthly, and then they just put it on that second or third pay slip, how much they contributed to my super fund for the month. Okay. Yep.\n\nMhmm. Yeah. I knew there was a a limit, but I wasn't I didn't think I would be earning enough to get to that limit anyway. I sort of I sort of sort of worked out that, you know, over the next ten years, I'll be putting in roughly a 140,000 at the 7 and a half thousand seven and a half percent, I should say, was my my cap calculations. Yeah.\n\nAlright. I must admit I don't even have my balance with HUB at the moment. Mhmm. Alright. And then I've got the well, the 15 thousand going over to it.\n\nYeah. Yeah. Okay. So just when you do ring, if I don't answer, just leave a message, and I'll call yeah. Yeah.\n\nYeah. Do that because at at the moment, I only got a roster up until the March 15. And that's I don't know anything I don't know what my schedule is until after this till Monday. May I bring out a new roster? Yep.\n\nNo. No. It's an extension one. That sounds good. Okay.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.64,"end":1.04,"sentiment":"neutral","sentiment_score":0.09539653360843658},{"text":"Welcome, speaking.","start":1.04,"end":2.02,"sentiment":"neutral","sentiment_score":0.25668568909168243},{"text":"Good.","start":6.0,"end":6.16,"sentiment":"positive","sentiment_score":0.5705623626708984},{"text":"Thank you.","start":6.16,"end":6.8999996,"sentiment":"positive","sentiment_score":0.7033177018165588},{"text":"Yes.","start":11.679999,"end":12.165,"sentiment":"positive","sentiment_score":0.43366557359695435}],"sentiment":"positive","sentiment_score":0.4313758930989674,"num_words":7,"start":0.64,"end":12.165},{"sentences":[{"text":"Okay.","start":18.805,"end":19.285,"sentiment":"neutral","sentiment_score":0.040396567434072495},{"text":"Allison Down Lane.","start":19.285,"end":20.325,"sentiment":"neutral","sentiment_score":0.018809002203245957},{"text":"6 To The 1st 69.","start":20.325,"end":22.025,"sentiment":"neutral","sentiment_score":0.014502292312681676},{"text":"16 Chetham Drive, Cowan.","start":22.325,"end":24.265,"sentiment":"neutral","sentiment_score":0.030220500426366925},{"text":"I did my key zippers information to you to to to take it from whatever is over 10,000 to take it over to roll over into Hub 20 yeah.","start":46.705,"end":60.62,"sentiment":"neutral","sentiment_score":0.009093620332664457}],"sentiment":"neutral","sentiment_score":0.01318885778476085,"num_words":42,"start":18.805,"end":60.62},{"sentences":[{"text":"Hub 24.","start":60.62,"end":61.6,"sentiment":"neutral","sentiment_score":0.005249818088486791},{"text":"Yeah.","start":79.945,"end":80.445,"sentiment":"neutral","sentiment_score":-0.01273044478148222},{"text":"Yeah, I've just sent it.","start":80.909996,"end":82.13,"sentiment":"neutral","sentiment_score":-0.0018900799797847867},{"text":"I had it sent to me on the December 13, I think it was.","start":82.59,"end":87.25,"sentiment":"neutral","sentiment_score":-0.0027859889503036228},{"text":"Yes.","start":90.27,"end":90.509995,"sentiment":"neutral","sentiment_score":0.027173012495040897}],"sentiment":"neutral","sentiment_score":-0.0010222626657670605,"num_words":23,"start":60.62,"end":90.509995},{"sentences":[{"text":"I have.","start":90.509995,"end":91.17,"sentiment":"neutral","sentiment_score":0.015672362875193357},{"text":"Yeah.","start":98.55499,"end":98.715,"sentiment":"neutral","sentiment_score":-0.032411202788352966},{"text":"It has all the the balance and everything on it.","start":98.715,"end":103.134995,"sentiment":"neutral","sentiment_score":-0.04286090284585953},{"text":"What insurance is the insurance is on it and everything.","start":103.91499,"end":107.134995,"sentiment":"neutral","sentiment_score":-0.05595431104302406},{"text":"And that well, I only sent it the other day, and the and the person I talked to last week was said that they would they received it.","start":109.5,"end":121.325,"sentiment":"neutral","sentiment_score":-0.05542883745926831}],"sentiment":"neutral","sentiment_score":-0.04982796205463363,"num_words":51,"start":90.509995,"end":121.325},{"sentences":[{"text":"They opened it up and we said they received it.","start":121.325,"end":123.744995,"sentiment":"neutral","sentiment_score":0.11601263806223869},{"text":"Okay.","start":185.165,"end":185.665,"sentiment":"neutral","sentiment_score":0.0026048896834254265},{"text":"Okay.","start":210.465,"end":210.965,"sentiment":"neutral","sentiment_score":0.0745251402258873},{"text":"The thing is is is seems to be going alright as far as I'm concerned.","start":218.23001,"end":223.05,"sentiment":"neutral","sentiment_score":0.1435358479619026},{"text":"I have changed positions within my workplace as well.","start":225.91,"end":231.53001,"sentiment":"neutral","sentiment_score":0.05078820428914494}],"sentiment":"neutral","sentiment_score":0.1068718880156262,"num_words":36,"start":121.325,"end":231.53001},{"sentences":[{"text":"And because it's with Queensland Health employment, if you're a permanent employee, you have need to make a 5% contribution to super, and that that comes out of my my gross wages.","start":231.83,"end":247.64499,"sentiment":"neutral","sentiment_score":0.015755168278701603},{"text":"And it has been and I've that's only been around 60 or $70 for the last couple of years.","start":249.03,"end":253.53,"sentiment":"neutral","sentiment_score":-0.051204887463858255},{"text":"But with my new position, it's it's jumped up to about a 140 a $160 a fortnight at the moment.","start":254.31,"end":265.35498,"sentiment":"neutral","sentiment_score":0.09576254803687334},{"text":"But I'm also just thinking about I've only got, like, roughly ten years left.","start":266.455,"end":272.07498,"sentiment":"neutral","sentiment_score":-0.10555516076939446},{"text":"And I'm thinking about seeing if I can up that 5% to seven and a half percent and see how it goes for the next year with that, and then and then maybe increase it to 10%.","start":274.055,"end":287.56,"sentiment":"neutral","sentiment_score":0.13638859181790738}],"sentiment":"neutral","sentiment_score":0.041107615822407066,"num_words":122,"start":231.83,"end":287.56},{"sentences":[{"text":"I don't know if that's feasible yet.","start":289.945,"end":291.945,"sentiment":"negative","sentiment_score":-0.34748564873422894},{"text":"I don't know how if I'm allowed to increase it or not.","start":291.945,"end":294.685,"sentiment":"neutral","sentiment_score":-0.2584135979413986},{"text":"I should be able to.","start":295.625,"end":297.005,"sentiment":"neutral","sentiment_score":-0.00013671815395355225},{"text":"Yes.","start":306.27,"end":306.77,"sentiment":"neutral","sentiment_score":0.07813503593206406},{"text":"Yeah.","start":308.66998,"end":309.16998,"sentiment":"neutral","sentiment_score":0.17602035403251648}],"sentiment":"neutral","sentiment_score":-0.20307272758621436,"num_words":26,"start":289.945,"end":309.16998},{"sentences":[{"text":"So I worked it out.","start":318.395,"end":319.275,"sentiment":"neutral","sentiment_score":0.30302670896053313},{"text":"I worked it out for seven and a half percent on what my current roughly, my current gross amount is because I'm now full time work.","start":319.275,"end":328.095,"sentiment":"neutral","sentiment_score":0.15094171278178692},{"text":"I'm not part time anymore.","start":328.23502,"end":329.695,"sentiment":"neutral","sentiment_score":-0.13098714202642442},{"text":"And then and I would the the seven the seven and a half percent would bump it up to about 200 to $230 a fortnight depending on what type of shifts I work.","start":331.83002,"end":342.49,"sentiment":"neutral","sentiment_score":0.09399832672241962},{"text":"Yeah.","start":351.935,"end":352.25497,"sentiment":"neutral","sentiment_score":0.10724513977766036}],"sentiment":"neutral","sentiment_score":0.11419817555163587,"num_words":70,"start":318.395,"end":352.25497},{"sentences":[{"text":"But we've only got two I only got eighteen months left on the personal loan and three years on the car loan.","start":352.25497,"end":359.49,"sentiment":"neutral","sentiment_score":0.18245372277769176},{"text":"And then and we're doing really good with that.","start":360.75,"end":362.85,"sentiment":"positive","sentiment_score":0.6487521198060777},{"text":"And it's I'm sort of thinking not don't have to pay it out any sooner.","start":363.31,"end":367.09,"sentiment":"neutral","sentiment_score":0.19585120578606924},{"text":"I don't yeah.","start":368.195,"end":371.695,"sentiment":"neutral","sentiment_score":0.1582436440512538},{"text":"Because my wife is going from getting, like, 1,200 in the hand after tax and that to getting 1,800 to 2,200 in the hand depending on what is the work.","start":372.195,"end":386.48,"sentiment":"neutral","sentiment_score":-0.006677040085196495}],"sentiment":"neutral","sentiment_score":0.165378972098137,"num_words":79,"start":352.25497,"end":386.48},{"sentences":[{"text":"And then I'm going from around 47,000 or $49,000 a year to 70 to 75,000 a year.","start":391.58002,"end":406.405,"sentiment":"neutral","sentiment_score":0.02205937520107802},{"text":"So on a weekly basis, that's thirty three and a half hours.","start":406.405,"end":410.745,"sentiment":"neutral","sentiment_score":0.03283011633902788},{"text":"Yes.","start":419.75,"end":420.15002,"sentiment":"neutral","sentiment_score":0.02089434117078781},{"text":"Yes.","start":420.15002,"end":420.63,"sentiment":"neutral","sentiment_score":0.014969538897275925},{"text":"So my base my base growth for this if I did Monday to Friday and only morning shifts on that would be 2,500 gross on that.","start":420.63,"end":434.43503,"sentiment":"neutral","sentiment_score":0.046333576122728676}],"sentiment":"neutral","sentiment_score":0.03525451989027492,"num_words":57,"start":391.58002,"end":434.43503},{"sentences":[{"text":"Yeah.","start":434.975,"end":435.475,"sentiment":"neutral","sentiment_score":0.049072448164224625},{"text":"On that.","start":436.17502,"end":436.915,"sentiment":"neutral","sentiment_score":0.04340127296745777},{"text":"And that the and at the moment, I'm averaging around 27 to actually the week when I finish the fortnight this week, I'll earn a 3,300 for the fortnight because I've worked a couple of weekends.","start":437.135,"end":452.37,"sentiment":"neutral","sentiment_score":0.04373515718099144},{"text":"Yep.","start":457.345,"end":457.845,"sentiment":"neutral","sentiment_score":0.020889392122626305},{"text":"Yep.","start":458.065,"end":458.565,"sentiment":"neutral","sentiment_score":0.02811761572957039}],"sentiment":"neutral","sentiment_score":0.04291091854797631,"num_words":41,"start":434.975,"end":458.565},{"sentences":[{"text":"It's it's yeah.","start":459.585,"end":460.70502,"sentiment":"neutral","sentiment_score":0.025142927343646686},{"text":"So my wife just has jumped.","start":460.70502,"end":462.325,"sentiment":"neutral","sentiment_score":-0.06038333040972551},{"text":"I know.","start":463.185,"end":463.505,"sentiment":"neutral","sentiment_score":-0.07185887359082699},{"text":"We're still wrapping our head around that and wrapping around work working full time again.","start":463.505,"end":471.06,"sentiment":"neutral","sentiment_score":-0.06517250463366508},{"text":"15,000.","start":476.96,"end":477.86,"sentiment":"neutral","sentiment_score":0.009083500131964684}],"sentiment":"neutral","sentiment_score":-0.05181825988822513,"num_words":27,"start":459.585,"end":477.86},{"sentences":[{"text":"Yeah.","start":483.535,"end":483.655,"sentiment":"neutral","sentiment_score":0.01737082004547119},{"text":"I think so.","start":483.655,"end":484.515,"sentiment":"neutral","sentiment_score":0.005271776268879573},{"text":"Something like that or even maybe even a bit less on that.","start":484.895,"end":488.095,"sentiment":"neutral","sentiment_score":-0.020580058296521504},{"text":"Because we don't get a statement from it on that.","start":488.095,"end":491.295,"sentiment":"neutral","sentiment_score":-0.034205495938658716},{"text":"But there's a seven year car loan and that and we've only got three years 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67.","start":589.75,"end":602.185,"sentiment":"neutral","sentiment_score":-0.04777853489548971},{"text":"And he said that he will work over over he's 67 until I reach retirement age.","start":603.92505,"end":611.72003,"sentiment":"neutral","sentiment_score":-0.0084202810539864}],"sentiment":"neutral","sentiment_score":-0.05422233749777661,"num_words":96,"start":569.46497,"end":611.72003},{"sentences":[{"text":"And it said that we retire together.","start":612.82,"end":615.16003,"sentiment":"neutral","sentiment_score":0.010652446054986544},{"text":"I went so we're looking at ten years now, and then and I probably won't retire straight at 67.","start":617.14,"end":624.78503,"sentiment":"neutral","sentiment_score":-0.021032076328992844},{"text":"I will retire after my 60 birthday.","start":624.78503,"end":628.245,"sentiment":"neutral","sentiment_score":-0.008244651768888746},{"text":"Because if I stay with this company, I'll be twenty years three months after my 60 birthday on it.","start":629.265,"end":639.83,"sentiment":"neutral","sentiment_score":0.16472638712117546},{"text":"So I just wanna stay there and to to achieve that milestone, I think, which is I think it's a good milestone.","start":639.83,"end":648.465,"sentiment":"positive","sentiment_score":0.5615180785005743}],"sentiment":"neutral","sentiment_score":0.2040600566495512,"num_words":74,"start":612.82,"end":648.465},{"sentences":[{"text":"Oh, yeah.","start":654.205,"end":654.945,"sentiment":"neutral","sentiment_score":0.09181728214025497},{"text":"Yep.","start":655.485,"end":655.985,"sentiment":"neutral","sentiment_score":0.20119522511959076},{"text":"So I've got the ten years this March.","start":656.365,"end":658.38,"sentiment":"neutral","sentiment_score":0.26273599453270435},{"text":"And that and even though I started getting partial long service leave on my seventh year, there's a bonus if you actually achieve it to when you reach the actual tenth year the date on the tenth 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the share market.","start":750.85,"end":756.45,"sentiment":"neutral","sentiment_score":-0.24787479922884986}],"sentiment":"neutral","sentiment_score":-0.1763166406137102,"num_words":51,"start":699.18,"end":756.45},{"sentences":[{"text":"So therefore, I'm I'm not because my father my my own father had to work till 75 because he lost so much in the the early two thousand crash.","start":756.45,"end":768.065,"sentiment":"neutral","sentiment_score":-0.23721070279335155},{"text":"Yep.","start":770.28503,"end":770.78503,"sentiment":"neutral","sentiment_score":-0.07748093456029892},{"text":"And then he lost nearly half his super.","start":771.005,"end":773.42505,"sentiment":"negative","sentiment_score":-0.3691844046115875},{"text":"And that's how it was devastating blow for 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yep.","start":860.54004,"end":863.04004,"sentiment":"neutral","sentiment_score":-0.043092576786875725}],"sentiment":"neutral","sentiment_score":-0.049629989612315385,"num_words":14,"start":820.99506,"end":863.04004},{"sentences":[{"text":"No.","start":863.10004,"end":863.42004,"sentiment":"neutral","sentiment_score":-0.14473497867584229},{"text":"You're alright.","start":863.42004,"end":864.24,"sentiment":"neutral","sentiment_score":-0.02811419451609254},{"text":"Yeah.","start":884.37994,"end":884.87994,"sentiment":"neutral","sentiment_score":-0.06498990952968597},{"text":"And that's why I've also you know, I'm I'm thinking ahead of these last ten years that if I can put a little bit extra into my super, you know, and we can, you know, still live comfortably on a day to day basis and pay our bills and and just boost my super up a little bit quicker.","start":885.81995,"end":905.625,"sentiment":"positive","sentiment_score":0.4895905642691305},{"text":"If you if you if you understand what I'm saying.","start":906.965,"end":909.86505,"sentiment":"neutral","sentiment_score":0.07593479678034783}],"sentiment":"positive","sentiment_score":0.4024553148280064,"num_words":73,"start":863.10004,"end":909.86505},{"sentences":[{"text":"Mhmm.","start":944.51,"end":945.01,"sentiment":"neutral","sentiment_score":0.2471947968006134},{"text":"Yeah.","start":957.615,"end":957.77496,"sentiment":"neutral","sentiment_score":0.18477794528007507},{"text":"Yeah.","start":957.77496,"end":958.27496,"sentiment":"neutral","sentiment_score":0.21400797367095947},{"text":"No.","start":973.79,"end":974.27,"sentiment":"neutral","sentiment_score":-0.07408304512500763},{"text":"I've been talking talking about my husband.","start":974.27,"end":975.95,"sentiment":"neutral","sentiment_score":-0.03853296222431319}],"sentiment":"neutral","sentiment_score":0.027469721368767998,"num_words":11,"start":944.51,"end":975.95},{"sentences":[{"text":"He was and then one of one of the gentlemen who was talking to him was saying that now that he's over 60, he should be able to put so much of his wage into super and then withdraw it out after so that he's still getting the same amount of money in income for the.","start":975.95,"end":1003.56,"sentiment":"neutral","sentiment_score":0.060927778615483215},{"text":"Yeah.","start":1003.56,"end":1004.06,"sentiment":"neutral","sentiment_score":0.03722022846341133},{"text":"Well, I because I think I've just convinced him that he should be paying coaching his boss about putting 5% of his income into super.","start":1007.225,"end":1015.565,"sentiment":"positive","sentiment_score":0.5750053024291992},{"text":"Yeah.","start":1036.605,"end":1037.105,"sentiment":"neutral","sentiment_score":0.31557637453079224},{"text":"I know.","start":1037.8049,"end":1038.205,"sentiment":"neutral","sentiment_score":0.19695688784122467}],"sentiment":"neutral","sentiment_score":0.21804468872792582,"num_words":85,"start":975.95,"end":1038.205},{"sentences":[{"text":"Because he's fully with Hub twenty four.","start":1038.205,"end":1040.365,"sentiment":"neutral","sentiment_score":0.25596657608236584},{"text":"He doesn't have to have another super with his company, whereas I do because I'm Queensland Health.","start":1040.365,"end":1048.32,"sentiment":"neutral","sentiment_score":0.08893548346617643},{"text":"Yeah.","start":1072.225,"end":1072.465,"sentiment":"neutral","sentiment_score":0.05919815972447395},{"text":"I want him to do I want him to do that because down there and yeah.","start":1072.465,"end":1077.5199,"sentiment":"neutral","sentiment_score":0.0641058397013694},{"text":"Like I said, we've got we're looking at ten years.","start":1077.8999,"end":1080.7799,"sentiment":"neutral","sentiment_score":-0.01181123312562704}],"sentiment":"neutral","sentiment_score":0.08373428461160146,"num_words":51,"start":1038.205,"end":1080.7799},{"sentences":[{"text":"We don't wanna work too much longer over our 67 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monthly.","start":1831.9199,"end":1844.605,"sentiment":"neutral","sentiment_score":0.04252444300800562}],"sentiment":"neutral","sentiment_score":-0.0017740878256711555,"num_words":47,"start":1791.3,"end":1844.605},{"sentences":[{"text":"They take it out every fortnight.","start":1846.505,"end":1848.045,"sentiment":"neutral","sentiment_score":0.11839193478226662},{"text":"They calculate it every fortnight.","start":1850.67,"end":1852.77,"sentiment":"neutral","sentiment_score":0.09726656228303909},{"text":"So that the 5% comes out every fortnight, and the 12% gets calculated monthly on the gross income I earn monthly, and then they just put it on that second or third pay slip, how much they contributed to my super fund for the month.","start":1853.79,"end":1873.555,"sentiment":"neutral","sentiment_score":0.10017210212018755},{"text":"Okay.","start":1928.585,"end":1929.085,"sentiment":"neutral","sentiment_score":0.065850168466568},{"text":"Yep.","start":1930.345,"end":1930.845,"sentiment":"neutral","sentiment_score":0.07836081087589264}],"sentiment":"neutral","sentiment_score":0.10083862060102923,"num_words":58,"start":1846.505,"end":1930.845},{"sentences":[{"text":"Mhmm.","start":1946.745,"end":1947.245,"sentiment":"neutral","sentiment_score":-0.08168025314807892},{"text":"Yeah.","start":1949.865,"end":1950.365,"sentiment":"neutral","sentiment_score":-0.06894257664680481},{"text":"I knew there was a a limit, but I wasn't I didn't think I would be earning enough to get to that limit anyway.","start":1950.825,"end":1956.205,"sentiment":"neutral","sentiment_score":-0.30370409476260346},{"text":"I sort of I sort of sort of worked out that, you know, over the next ten years, I'll be putting in roughly a 140,000 at the 7 and a half thousand seven and a half percent, I should say, was my my cap calculations.","start":1971.295,"end":1988.76,"sentiment":"neutral","sentiment_score":0.039624831991063224},{"text":"Yeah.","start":1992.02,"end":1992.52,"sentiment":"positive","sentiment_score":0.3551184833049774}],"sentiment":"neutral","sentiment_score":-0.07362896084992422,"num_words":72,"start":1946.745,"end":1992.52},{"sentences":[{"text":"Alright.","start":2007.585,"end":2008.085,"sentiment":"neutral","sentiment_score":0.0904487371444702},{"text":"I must admit I don't even have my balance with HUB at the moment.","start":2008.1449,"end":2011.365,"sentiment":"neutral","sentiment_score":-0.21631280492459024},{"text":"Mhmm.","start":2014.05,"end":2014.55,"sentiment":"neutral","sentiment_score":0.068340003490448},{"text":"Alright.","start":2023.01,"end":2023.49,"sentiment":"neutral","sentiment_score":0.10757403075695038},{"text":"And then I've got the well, the 15 thousand going over to it.","start":2023.49,"end":2029.1101,"sentiment":"neutral","sentiment_score":0.05795510170551447}],"sentiment":"neutral","sentiment_score":-0.06695333917935689,"num_words":30,"start":2007.585,"end":2029.1101},{"sentences":[{"text":"Yeah.","start":2029.17,"end":2029.67,"sentiment":"neutral","sentiment_score":0.12116631120443344},{"text":"Yeah.","start":2033.675,"end":2034.175,"sentiment":"neutral","sentiment_score":0.11021752655506134},{"text":"Okay.","start":2052.42,"end":2052.92,"sentiment":"neutral","sentiment_score":0.1557685136795044},{"text":"So just when you do ring, if I don't answer, just leave a message, and I'll call yeah.","start":2060.3152,"end":2068.0952,"sentiment":"neutral","sentiment_score":0.05582127037147681},{"text":"Yeah.","start":2069.5952,"end":2070.0952,"sentiment":"neutral","sentiment_score":0.24830567836761477}],"sentiment":"neutral","sentiment_score":0.07455640438605439,"num_words":22,"start":2029.17,"end":2070.0952},{"sentences":[{"text":"Yeah.","start":2070.635,"end":2070.955,"sentiment":"neutral","sentiment_score":0.02009163424372673},{"text":"Do that because at at the moment, I only got a roster up until the March 15.","start":2070.955,"end":2077.65,"sentiment":"neutral","sentiment_score":-0.020348075229455444},{"text":"And that's I don't know anything I don't know what my schedule is until after this till Monday.","start":2080.19,"end":2087.5698,"sentiment":"neutral","sentiment_score":-0.10659111311866178},{"text":"May I bring out a new roster?","start":2087.735,"end":2102.135,"sentiment":"neutral","sentiment_score":0.0388476276504142},{"text":"Yep.","start":2102.135,"end":2102.635,"sentiment":"neutral","sentiment_score":0.06632108986377716}],"sentiment":"neutral","sentiment_score":-0.04332298175855116,"num_words":44,"start":2070.635,"end":2102.635},{"sentences":[{"text":"No.","start":2102.855,"end":2103.355,"sentiment":"neutral","sentiment_score":-0.06981292366981506},{"text":"No.","start":2103.66,"end":2103.8198,"sentiment":"neutral","sentiment_score":-0.07884956896305084},{"text":"It's an extension one.","start":2103.8198,"end":2109.1199,"sentiment":"neutral","sentiment_score":0.1890178956091404},{"text":"That sounds good.","start":2127.235,"end":2128.209,"sentiment":"positive","sentiment_score":0.7486209869384766},{"text":"Okay.","start":2134.929,"end":2135.249,"sentiment":"positive","sentiment_score":0.33440300822257996}],"sentiment":"neutral","sentiment_score":0.3187675058841705,"num_words":10,"start":2102.855,"end":2135.249},{"sentences":[{"text":"Thank you.","start":2135.249,"end":2135.989,"sentiment":"positive","sentiment_score":0.6749668717384338},{"text":"Bye.","start":2137.569,"end":2138.069,"sentiment":"neutral","sentiment_score":-0.09003350883722305}],"sentiment":"positive","sentiment_score":0.41996674487988156,"num_words":3,"start":2135.249,"end":2138.069}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Welcome, speaking.\n\nChannel 0: Good afternoon, Allison. It's Carl calling from OPU Financial. How are you today?\n\nChannel 1: Good. Thank you.\n\nChannel 0: That's good to hear. I just scheduled in for a bit of a follow-up if now is still a good time for you.\n\nChannel 1: Yes.\n\nChannel 0: Brilliant. If I could just pass you through security just with that name, date of birth, and current address, we'll get stuck into that one.\n\nChannel 1: Okay. Allison Down Lane. 6 To The 1st 69. 16 Chetham Drive, Cowan.\n\nChannel 0: Perfect. Thank you for that one there, Allison. Now the reason I had you booked in there was mainly due to, obviously, having your retained account. I know you were sorta just waiting on the results of, like, your roster and how much you'd be working and things before looking at doing a potential rollover or just revisiting your retention strategy. Is that correct?\n\nChannel 1: I did my key zippers information to you to to to take it from whatever is over 10,000 to take it over to roll over into Hub 20 yeah. Hub 24.\n\nChannel 0: Yeah. So with that one there, I just had it here that it was to to reach out in the new year regarding that one just because you didn't have your your roster or when you'd be free for a call to have a discussion around it. So you you sent through your your statement. When was that about? Sorry.\n\nI'll just see if it's the most recent\n\nChannel 1: Yeah.\n\nChannel 0: one I'm looking.\n\nChannel 1: Yeah, I've just sent it. I had it sent to me on the December 13, I think it was.\n\nChannel 0: Yep. And have you forwarded that through to us at all?\n\nChannel 1: Yes. I have.\n\nChannel 0: Just see if I can see that one. And was that the info for you financial, was it? Sorry.\n\nChannel 1: Yeah. It has all the the balance and everything on it. What insurance is the insurance is on it and everything.\n\nChannel 0: Yes,\n\nChannel 1: And\n\nChannel 0: sir.\n\nChannel 1: that\n\nChannel 0: Just because we've been through a system change, I'm just trying to find the actual\n\nChannel 1: well, I only\n\nChannel 0: document\n\nChannel 1: sent it\n\nChannel 0: that\n\nChannel 1: the other day, and the and the person I talked to last week was said that they would they received it. They opened it up and we said they received it.\n\nChannel 0: Yep. Let me just So as I said, there's been a bit of a system change. I'm just trying to make sure I've got the right one. Yeah. And I'll do the 12/15/2025.\n\nPerfect. Brilliant. And, yeah, it has 35,000 there. Now in regards to that one there, Allison, now, obviously, you've been doing just the retention review, the 10 over $10,000. Now with that one, just because it has been a few years there as well, generally, we would like to review it just in general in terms of making sure it's still appropriate.\n\nYour investment is still up to date. Now within regards to your portfolio there too, Allison, there is one asset within the active portion of that fund that hasn't been performing too well and then in recent years has not performed the best as a whole either for the price you pay for a managed account. So we were looking at potentially removing that and substitute for a different investment moving forward,\n\nChannel 1: Okay.\n\nChannel 0: which we would have to provide in the advice document there as well. Now if you're you're comfortable, obviously, we'll just put together the advice piece. We wouldn't be doing the rollover just this yet. We'd be using that statement there. We'd put the advice piece together based on that.\n\nAnd if you're happy with everything else and how everything else is tracking, then we can just look at doing just an investment update of that retention review.\n\nChannel 1: Okay.\n\nChannel 0: Or if you is there anything else that you want addressed? We can have a look at that as\n\nChannel 1: The thing is is is seems to be going\n\nChannel 0: well.\n\nChannel 1: alright as far as I'm concerned.\n\nChannel 0: Yep.\n\nChannel 1: I have changed positions within my workplace as well.\n\nChannel 0: Yep.\n\nChannel 1: And because it's with Queensland Health employment, if you're a permanent employee, you have need to make a 5% contribution to super, and that that\n\nChannel 0: Yeah.\n\nChannel 1: comes out of my my gross wages. And it has been and I've that's only been around 60 or $70 for the last couple of years. But with my new position, it's it's jumped up to about a 140 a $160 a fortnight at the moment. But I'm also just thinking about I've only got, like, roughly ten years left.\n\nChannel 0: Yep.\n\nChannel 1: And I'm thinking about seeing if I can up that 5% to seven and a half percent and see how it goes for the next year with that, and then and then maybe increase it to 10%. I don't know if that's feasible yet. I don't know how if I'm allowed to increase it or not.\n\nChannel 0: In\n\nChannel 1: I\n\nChannel 0: terms\n\nChannel 1: should\n\nChannel 0: of\n\nChannel 1: be\n\nChannel 0: your\n\nChannel 1: able\n\nChannel 0: salary\n\nChannel 1: to.\n\nChannel 0: sacrifice, yeah, it is up to payroll at the end of the day. So with in regards to your employer, do you get the 12% and then plus the 5% that you're contributing extra at the moment?\n\nChannel 1: Yes.\n\nChannel 0: So it's like 17% total.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. We can show you in that document what it looks like going up to the 7.5%. Obviously, with that as\n\nChannel 1: So I\n\nChannel 0: well\n\nChannel 1: worked it out. I worked it out for seven and a half percent on what my current roughly, my current gross amount is because I'm now full time work. I'm not part time anymore.\n\nChannel 0: Yep. Okay. Yep.\n\nChannel 1: And then and I would the the seven the seven and a half percent would bump it up to about 200 to $230 a fortnight depending on what type of shifts I work.\n\nChannel 0: Yep. Because with that one there as well, because I know you do have the personal loan still that you're looking to pay down and the car there as well now\n\nChannel 1: Yeah.\n\nChannel 0: would\n\nChannel 1: But\n\nChannel 0: increase\n\nChannel 1: we've only got two I only got eighteen months left on the personal loan and three years on the car loan. And then and we're doing really good with that. And it's I'm sort of thinking not don't have to pay it out any sooner.\n\nChannel 0: Yep. And you'd be,\n\nChannel 1: I\n\nChannel 0: like, still able to\n\nChannel 1: don't\n\nChannel 0: make those repayments if you did increase that?\n\nChannel 1: yeah. Because my wife is going from getting, like, 1,200 in the hand after tax and that to getting 1,800 to 2,200 in the hand depending on what is the work.\n\nChannel 0: Yep. And do you know roughly as an annual amount if you sort of average out the weeks you work and how many hours\n\nChannel 1: And then\n\nChannel 0: what\n\nChannel 1: I'm\n\nChannel 0: that\n\nChannel 1: going from around 47,000 or $49,000 a year to 70 to 75,000 a\n\nChannel 0: yep. And how many hours is that roughly on a weekly basis with\n\nChannel 1: year.\n\nChannel 0: that?\n\nChannel 1: So on a weekly basis, that's thirty three and a half hours.\n\nChannel 0: Perfect. And then, obviously, you'd like to just get the penalty hours and things like that for\n\nChannel 1: Yes.\n\nChannel 0: different\n\nChannel 1: Yes.\n\nChannel 0: hours?\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: my base my base growth for this if I did Monday to Friday and only morning shifts on that would be 2,500 gross on\n\nChannel 0: Four\n\nChannel 1: that.\n\nChannel 0: nightly.\n\nChannel 1: Yeah. On that. And that the and at the moment, I'm averaging around 27 to actually the week when I finish the fortnight this week, I'll earn a 3,300 for the fortnight\n\nChannel 0: Yep. So\n\nChannel 1: because I've worked\n\nChannel 0: So\n\nChannel 1: a\n\nChannel 0: to\n\nChannel 1: couple\n\nChannel 0: bump\n\nChannel 1: of\n\nChannel 0: the\n\nChannel 1: weekends.\n\nChannel 0: a $60,000 salary up to, like, the 75 with the additional penalty rates and things like that?\n\nChannel 1: Yep. Yep. It's\n\nChannel 0: Yep.\n\nChannel 1: it's yeah. So my wife just has jumped. I know. We're still wrapping our head around that\n\nChannel 0: Yep. And then,\n\nChannel 1: and wrapping around work working full time again.\n\nChannel 0: yeah. And with the personal loan, if you don't mind me asking, how much debt value is left on that one at the moment?\n\nChannel 1: 15,000.\n\nChannel 0: Yep. Okay. Perfect. And then the car loan sitting around the 30 mark?\n\nChannel 1: Yeah. I think so. Something like that\n\nChannel 0: Yep.\n\nChannel 1: or even maybe even a bit less on that. Because we don't get a statement from it\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: on\n\nChannel 0: You're\n\nChannel 1: that.\n\nChannel 0: just sort\n\nChannel 1: But\n\nChannel 0: of\n\nChannel 1: there's\n\nChannel 0: paying it\n\nChannel 1: a seven\n\nChannel 0: off.\n\nChannel 1: year car loan and that and we've only got three years left.\n\nChannel 0: Yep. Brilliant. And then as far as your role, are you still considered an assistant nurse? Are you full time,\n\nChannel 1: Yes.\n\nChannel 0: like, nurse\n\nChannel 1: You\n\nChannel 0: assistant\n\nChannel 1: know, I'm\n\nChannel 0: nurse?\n\nChannel 1: an assistant\n\nChannel 0: Yeah?\n\nChannel 1: nurse, but, yeah, I'm just I've just moved departments on\n\nChannel 0: So\n\nChannel 1: that,\n\nChannel 0: you're no longer in the aged care section?\n\nChannel 1: and I am in the way. I I'm just aged care at the hospital. I work in the the area geriatric ward\n\nChannel 0: Yep.\n\nChannel 1: and that which are acute acute care. So these people are minimum age of 70 years and over on that, and we're just working in the acute world where I'm assisting the the registered staff to with cares and monitoring their health.\n\nChannel 0: Yep. No worries. I'll just update that. Brent, and then as far as the the goals that you're still working towards, I know you're sort of just looking at sort of paying down the debts as the main thing before, like, you were looking to retire and then saving up a little bit to be able to spend some time with the the family and do a bit of travel around Australia. Is that sort of still the main thing?\n\nChannel 1: Yeah. We still can't go anywhere because we still got our mother-in-law who's, you know, in her middle nineties now\n\nChannel 0: Yep.\n\nChannel 1: on that. So we're looking at that she's probably going to make a 100 now,\n\nChannel 0: Yep.\n\nChannel 1: and we don't wanna go too far away from her because just in case she needs us on that. But with I'm my husband and we sat down and talked with we wanna sit we're not going to I'm get I can retire at 67. And he said that he will work over over he's 67 until I reach retirement age. And it said that we retire together.\n\nChannel 0: Yep. Okay.\n\nChannel 1: I went so we're looking at ten years now, and then and I probably won't retire straight at 67. I will retire after my 60 birthday.\n\nChannel 0: Yep.\n\nChannel 1: Because if I stay with this company, I'll be twenty years three months after my 60 birthday on\n\nChannel 0: Yep.\n\nChannel 1: it. So I just wanna stay there and to to achieve that milestone, I think, which is I think it's a good milestone.\n\nChannel 0: Yeah. And I it it is. And then you you might get additional long service leave for being\n\nChannel 1: Oh,\n\nChannel 0: there\n\nChannel 1: yeah.\n\nChannel 0: for an extra yeah.\n\nChannel 1: Yep. So I've got the ten years this March. And that and even though I started getting partial long service leave on my seventh year, there's a bonus if you actually achieve it to when you reach the actual tenth year the date on the tenth year. They give us a bonus\n\nChannel 0: Right.\n\nChannel 1: hours.\n\nChannel 0: Perfect. And then when it comes down to your investment, as I said, it's just sort of more that we've identified that we wanna look at removing those investments. One, due to the fact that it it is no longer available sort of in a a few years as\n\nChannel 1: Mhmm.\n\nChannel 0: they they are phasing it out.\n\nChannel 1: Yep.\n\nChannel 0: And then within regards to the the Ben Long, it is an active portion within the fund, and it is an actively managed to try and outperform that market. Now there is an option to replace it with an active alternative or given that you are sort of, you know, approaching 60 where you potentially look at potentially maybe making some withdrawals, whether or not be for fully retiring, but for other expenses if you do take a holiday, things like that as well. Would you look be more comfortable with a passive investment option that is a little bit more, like, cheaper that just tracks the index, or do you still want an active portion to be able to outperform the market potentially for a smaller portion of your portfolio?\n\nChannel 1: I'm not sure because I I should have it in a balance which this you know, because I'm very not\n\nChannel 0: Conservative?\n\nChannel 1: yeah. I'm very conservative with the share market. I I have seen so many and I've had a couple of family members lose a lot on the share market. So therefore, I'm I'm not because my father my my own father had to work till 75 because he lost so much in the the early two thousand\n\nChannel 0: The\n\nChannel 1: crash.\n\nChannel 0: GFC 2008 there?\n\nChannel 1: Yep. And then\n\nChannel 0: Yep.\n\nChannel 1: he lost nearly half his super. And\n\nChannel 0: Yeah.\n\nChannel 1: that's how it was devastating blow for him.\n\nChannel 0: Yeah. No. Completely understandable. It's what happened to a lot of people, unfortunately. So with that one there, you are in a balanced growth portfolio.\n\nAnd then with that, you still have an active portion within that even though that you're sort of around that sixty forty sort of split in terms of,\n\nChannel 1: Mhmm.\n\nChannel 0: like, growth assets to defensive assets. You're still aim to get a little bit of growth out of your super while not sort of putting too much at the risk of the markets. Now in relation to that one, obviously, we can look to potentially do, like, a full update of your portfolio and then use the the losses of that Ben Long to offset any capital gains to potentially look at just updating as a whole moving forward given your time on board.\n\nChannel 1: Mhmm.\n\nChannel 0: Or we can just look to update those few ones that I spoke about there because, like, your heavy metals have been going quite well, your gold and your silver, and then the battery and the fintech's also done quite well. It's just in regards to techs taking a little bit of a dip, and then at the start of this year with that been a long fund given that it had an asset in the end of last year that was announced they weren't reporting correctly, which means that they lost a bit of consumer confidence in not only the fund, but also, yeah, the managers themselves and their ability to to move forward, if that makes\n\nChannel 1: Yeah.\n\nChannel 0: sense.\n\nChannel 1: It's probably best to pull out of there.\n\nChannel 0: Yeah.\n\nChannel 1: Not now.\n\nChannel 0: So we can\n\nChannel 1: What\n\nChannel 0: look to do oh, sorry.\n\nChannel 1: yep. No. You're alright.\n\nChannel 0: Yeah. We can look to do just a more passive approach within line of that balance growth. Now it wouldn't mean that you're sort of losing any sort of asset to the growth to be able to still get those potential returns. It just means that you wouldn't be actively trying to outperform the market, and it's actually a little bit cheaper in terms of, like, ongoing investment costs as well.\n\nChannel 1: Yeah. And that's why I've also you know, I'm I'm thinking ahead of these last ten years that if I can put a little bit extra into my super, you know, and we can, you know, still live comfortably on a day to day basis and pay our bills and and just boost my super up a little bit quicker. If you if you if you understand what I'm saying.\n\nChannel 0: Yeah. No. A 100% we yeah. I completely understand. And when you hit 60 as well, there's actually strategies we can do to utilize your eligibility to potentially make drawdowns because you can draw down from your super and not not form part of, like, your your taxable income there because you've already drawn it down from, like, a pension, and it can do up to 10% per annum, and then you can contribute from your wages into superannuation.\n\nSo what you're basically doing is you're paying tax at the super rate of 15% instead of at the the rate that is your marginal tax rate. And it actually\n\nChannel 1: Mhmm.\n\nChannel 0: works out that you help contribute a bit more to your super after the age of 60 because you're paying a little bit less in those taxes to be able to bolster it up a little bit for those years that you are working after the age of 60, if that makes sense.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But in saying that now, you're still getting the benefits of being taxed at that 15% and putting more into your super for that bit of growth over the next sort of ten year period as well, even though you can't do that transition to retirement strategy just yet.\n\nChannel 1: No. I've been talking talking about my husband. He was and then one of one of the gentlemen who was talking to him was saying that now that he's over 60, he should be able to put so much of his wage into super and then withdraw it out after so that he's still getting the same amount of money in income\n\nChannel 0: Yeah. The same\n\nChannel 1: for\n\nChannel 0: take home pay. Yeah. Exactly. That's what those strategies look towards. So, yeah, very, very similar in what that was sort of\n\nChannel 1: the. Yeah.\n\nChannel 0: yeah, in regards to that.\n\nChannel 1: Well, I because I think I've just convinced him that he should be paying coaching his boss about putting 5% of his income into super.\n\nChannel 0: Yes. So if he did wanna sort of look at doing one of those transition to retirement strategies, feel free to have him reach out to us there, and we can sort of have that conversation about about that and what that sort of looks like and what you can do to to help sort of grow that towards your retirement.\n\nChannel 1: Yeah.\n\nChannel 0: Does that make sense?\n\nChannel 1: I know. Because he's fully with Hub twenty four. He doesn't have to have another super with his company, whereas\n\nChannel 0: Yep.\n\nChannel 1: I do because I'm Queensland Health.\n\nChannel 0: Yeah. It it's not to say that you you can't have, like, the singular one, but in saying that in regards to you can't you do sort of get some benefits to having it with your your employer as well. And I believe it was even me that spoke with your partner previously about those transition to retirement strategies. So we could revisit that if you'd wanna sort of go down\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: I want\n\nChannel 0: route and\n\nChannel 1: him\n\nChannel 0: look\n\nChannel 1: to\n\nChannel 0: at\n\nChannel 1: do I want him to do that because down there and yeah. Like I said, we've got we're looking at ten years. We don't wanna work too much longer over our 67 mark. It's\n\nChannel 0: Yep.\n\nChannel 1: not that, you know, we we can't work. It's just that, you know, we've we've we've done the the tough trials of that, and now we just wanna take it a little bit easier once we get to that to that age.\n\nChannel 0: Yeah. And even and then if you sort of still felt like you did need to work, you can sort of utilize your super a little bit as well. It's sort of the Centrelink entitlements once you hit that 67 to, like, not have to work as much and sort of still be able to draw down some form of income from either Centrelink or your superannuation there as well after that 67, but you can also utilize that in that after the age of 60 mark as well.\n\nChannel 1: Yeah. Because our kids are all settled. They're all married now, and so we don't have any dependents on that\n\nChannel 0: Yeah.\n\nChannel 1: as such. We've just got our parents. You know? And then he's got his mother. He's still alive.\n\nHis father's gone. And I've got my parents still alive. And that but they're they're only they're only 78, 79 years of age. And that and they're still fighting fit at the moment.\n\nChannel 0: Yeah. Well, that that's good to hear as well. But, yeah, like you said, you've done\n\nChannel 1: But\n\nChannel 0: the\n\nChannel 1: anything can\n\nChannel 0: the\n\nChannel 1: happen.\n\nChannel 0: hard yards now. Yeah. Now so you're looking to sort of make sure you're getting something for your retirement there at the end of the day as well.\n\nChannel 1: Yeah. I don't because we see live so far away from my own family because I'm all from all from New South Wales, and we live at the top of Queensland. North\n\nChannel 0: Yeah.\n\nChannel 1: of Queensland. You know, it's a two day to three day drive to get to to any room.\n\nChannel 0: Yeah. So you sort of want that that time to be able to do that sort of.\n\nChannel 1: Yeah. Yeah. Yeah. Well, we've had last Christmas off there. We haven't spent Christmas with the family.\n\nSo we haven't spent any time with them for ten years.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: It definitely gets hard, especially when you're busy with work trying to see, you know, grandkids and things like that.\n\nChannel 1: Yeah. But now that I was off well, I was offered this full time job, so it was an opportunity I just couldn't pass up. So\n\nChannel 0: Yeah. And it it seems like it's working quite well for you and your sort of lifestyle and everything as well at the moment at least, which is good.\n\nChannel 1: oh, yeah. And then it's it's it was it was tough for the first two months of settling in and going full time, working four to five days a week. But, yeah, it's a salad in there.\n\nChannel 0: Perfect. And I will do a quick risk profile just because we are potentially looking at or are looking at look updating those investments, Allison. So in regards to investing, have you had direct shares prior or anything like that? Yep.\n\nChannel 1: No. No. I've never had shoes before. My family my other family members, my parents, when I've had I've never had shoes.\n\nChannel 0: Yep. And you said in regards to risk, you're still quite conservative in relation to, like, the cost of living and the rising prices. Are you still willing to take on sort of a moderate amount of risk to try and outpace that inflation and get a return out of your superannuation?\n\nChannel 1: I'm very moderate.\n\nChannel 0: Yep.\n\nChannel 1: And I'm really not a risk taker at all.\n\nChannel 0: No problem. And much like sort of COVID period where your super did take a a dip there and it went back like 20% there, would you be quite concerned? Would that make you wanna sorta shift out of, like, investing and be more, like, defensive, or would you just hold and wait, you know, given that you've got the time still working life behind you to recover those sort of dips in the market? Or how do you think you'd\n\nChannel 1: Yeah.\n\nChannel 0: feel about\n\nChannel 1: I think\n\nChannel 0: that?\n\nChannel 1: I'd like to keep it as it is, see how it goes. I mean, once I reach that 60 mark and see how, you know, we've paid things off and and then just see how the market's all going there.\n\nChannel 0: Yep. Not a problem.\n\nChannel 1: I know. I know. Give us a even us ourselves this couple of years of of a full time job and seeing how we're going.\n\nChannel 0: Yeah.\n\nChannel 1: Having that no major incidents has have have occurred.\n\nChannel 0: Yep. And then as far as, like, an expected return that you'd be hoping to get year on year out of your more conservative portfolio, if you're getting sort of 4% to 6% per annum on that more defensive investment, you'd be happy? Or\n\nChannel 1: Yeah. I think I got that I got a lot more than that last year. So\n\nChannel 0: yeah. At the moment, it came up quite obviously, you'd suffered a bit of the COVID dip and it has sort of recovered from that and so it did dip towards the end of last year, but I think it's, like, a twelve month return. It's sitting in around 11% as\n\nChannel 1: because\n\nChannel 0: a\n\nChannel 1: I noticed\n\nChannel 0: return.\n\nChannel 1: that the q c for one was around the seven seven and a half percent.\n\nChannel 0: Yep. So if you're getting sort of six to eight, you'd be sort of happy if you were getting that out of your superannuation.\n\nChannel 1: Yeah. As long as I'm still getting a positive, that is what I'm I'm looking at.\n\nChannel 0: Yep.\n\nChannel 1: I'm happy with.\n\nChannel 0: Perfect. So it does bring you out as a moderate investor, which is, like, in line with being in that sort of sixtyforty split of, like, growth to defensive assets. Now\n\nChannel 1: Yep.\n\nChannel 0: as I said, we will have a look at just updating the portfolio and reviewing your retention strategy there as well. Obviously, with you still working and you've still got a few debts there, you may wanna sort of still hold on to those insurances just for, you know, another couple years at least until you potentially have access to your superannuation. Because then after that, obviously, after the age of 60, you could look to potentially draw down some of that if you were unable to sort of work and things like that without having to be totally permanently disabled, those sort of things.\n\nChannel 1: Yeah.\n\nChannel 0: But currently,\n\nChannel 1: K.\n\nChannel 0: yeah, you've got that life and and TPD insurance held within that q super, which has been retained there for that purpose.\n\nChannel 1: I'm gonna keep them while I'm working.\n\nChannel 0: Yeah. Yep. Any you're still happy with retaining those in the retention strategy and, like, from your previous advice pieces?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Not a problem at all. Obviously, we could look at reviewing and sort of looking at some sort of, like, retail cover, but given as you get older, retail cover gets quite a bit more expensive.\n\nChannel 1: Mhmm.\n\nChannel 0: It may sort of be worth just holding on to those if you're sort of happy holding on to those. Obviously, you don't have income protection or trauma insurance currently, but they would come at sort of a a much higher cost than the insurance cost you're paying for your life and total permanent disability, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: Any are you comfortable with that? Is that something you did wanna have a look into? Or\n\nChannel 1: No. Not I I mean, I don't think yeah. Life insurance is is something I need it. And then alright. And I mean, I mean, I don't a lot of people say, oh, that's terrible.\n\nBut I've got permanent disability and death cover with work\n\nChannel 0: Yep.\n\nChannel 1: and that, and I think that's where my biggest risk of an injury is going to be.\n\nChannel 0: Yep.\n\nChannel 1: And that because we're not we're not daredevils or we don't go and do we don't speed drive funny or anything like that.\n\nChannel 0: Yep.\n\nChannel 1: I don't know. So, yeah, I just and then my biggest injury would be work, and that's the same as my husband. He drives the\n\nChannel 0: Yeah.\n\nChannel 1: truck, so therefore, he he's he's covered for work. He's he's he's he's more important than anything else.\n\nChannel 0: Yeah. No. Under understandable. It's not like you're you're downhill mountain biking on the on the weekend, so completely\n\nChannel 1: No.\n\nChannel 0: understand. Yeah.\n\nChannel 1: And then maybe when we were in our twenties. Really? No. Not now. I have\n\nChannel 0: Not\n\nChannel 1: trouble\n\nChannel 0: a\n\nChannel 1: keeping\n\nChannel 0: problem.\n\nChannel 1: up with the grandkids.\n\nChannel 0: Yeah. Don't worry. My nephews run circles around me as well. In so in regards to the advice piece, then we'll probably just look at reviewing that retention strategy and that rollover amount and just make sure that's still appropriate and then just look at updating those investments there. In relation to your estate planning, I know you don't have a will in place there currently.\n\nNow, obviously, these things sort of are important to have, but, generally, they're done like, you know, with lawyers, we can sort of have a discussion around generally how you might split it up and things like that. But, ultimately,\n\nChannel 1: I've got an appointment\n\nChannel 0: it is a\n\nChannel 1: in\n\nChannel 0: lot.\n\nChannel 1: in the next couple of weeks coming up.\n\nChannel 0: Okay.\n\nChannel 1: We\n\nChannel 0: That\n\nChannel 1: actually are\n\nChannel 0: that's\n\nChannel 1: we are being proactive at the moment.\n\nChannel 0: perfect.\n\nChannel 1: And then we've got\n\nChannel 0: I do\n\nChannel 1: appointment with the doctors first and that because we're doing our health directives and everything.\n\nChannel 0: oh, just the checkups. Yep.\n\nChannel 1: And and\n\nChannel 0: Perfect.\n\nChannel 1: and it is a health directive that we've got.\n\nChannel 0: Okay.\n\nChannel 1: We're updating it because it's the the health\n\nChannel 0: All\n\nChannel 1: directive\n\nChannel 0: the advanced\n\nChannel 1: formula.\n\nChannel 0: health care yeah. Okay.\n\nChannel 1: It's\n\nChannel 0: Yep.\n\nChannel 1: all changed at the moment, so there's all new forms. And\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: Okay.\n\nChannel 1: why\n\nChannel 0: Yep.\n\nChannel 1: and that's why we're doing doing all those things first before and we wanna put them all in place. And then and get the kids to agree who's going to be the POAs and everything for us.\n\nChannel 0: And do do you kinda set up a power of attorney with that one as well?\n\nChannel 1: Yep. Everything's gonna be and that was sat down with our kids at Christmas, and we've done a lot of frank talking with our children.\n\nChannel 0: Yep. It it is a little bit morbid. A lot of people don't like to do it, but it is a fact of life even if it's accidental or,\n\nChannel 1: Yep.\n\nChannel 0: you know, just just old age, things like that. You know, it can come out of anywhere and does help to have those sort of documents in place than to leave the family scrambling, you know, for eighteen months to put everything together and after the fact when it is a time when you'd rather be sort of grieving.\n\nChannel 1: Yeah. Yeah. So we've got we've got things in place. We've got our doctors in bookings in the next couple of weeks. And then because then getting into what the doctor does today is quite an advancement\n\nChannel 0: Yeah.\n\nChannel 1: on that. And because we have to book longer times for these documents to be done. And then and then we're doing the appointment for the wheel after that's finalized.\n\nChannel 0: Brian, that's good to to hear. So we won't even look at estate planning matters just to like, normally, as reminders, anyway, we put in, like, sort of your beneficiary nominations, reviewing those and the wills and power of attorney. But if you've already sorted that out and got your bookings\n\nChannel 1: Mhmm.\n\nChannel 0: all sorted, that's not a problem. We'll just look to do that investment update. But is there anything else that you sort of want to address there, Allison, in regards to updating your adviser, or are you happy just to be that investment update?\n\nChannel 1: No. That'll be fine. Just doing the investment update would be great. And then I'm gonna get in contact with my payroll and and do a discussion with them. And then there's few other things that's just, you know,\n\nChannel 0: Yep.\n\nChannel 1: giving\n\nChannel 0: Yep. Not a problem at all. And as far as, like, your savings per week currently on your current wage, do you know what roughly that might look like as savings per week?\n\nChannel 1: we're putting $200 away every week\n\nChannel 0: Yep.\n\nChannel 1: into our savings card. We've currently got about 700,000. Mhmm.\n\nChannel 0: 7,000. Brilliant. Just because, obviously, you know, increasing it would obviously affect, like, what you might be taking home at the end of the day there as well.\n\nChannel 1: Oh,\n\nChannel 0: But we\n\nChannel 1: just\n\nChannel 0: can show oh, sorry.\n\nChannel 1: just we keep them in the electronics because we never know when a washing machine is gonna go.\n\nChannel 0: Yeah. That's good to hear that you've got a bit of a rainy day fund there as well.\n\nChannel 1: Yeah.\n\nChannel 0: So with that and the advice piece, I can show you what the 7.5 looks like, and we can put 5% in the appendix as well to show you the difference.\n\nChannel 1: Mhmm.\n\nChannel 0: And then from there, you can obviously choose to bump it up with the 7.5 if your payroll is happy to do that or keeping it at the five. You can see what that sort of looks like just as a breakdown there as well.\n\nChannel 1: I think, like, there would be a limit of how much I can contribute to my super or not.\n\nChannel 0: There's\n\nChannel 1: But\n\nChannel 0: concessional caps for how much you can contribute. Do you know if they pay contributions based on your total salary or just the base income amount?\n\nChannel 1: I would do it monthly.\n\nChannel 0: Yep.\n\nChannel 1: They take\n\nChannel 0: So\n\nChannel 1: it out every fortnight.\n\nChannel 0: yep.\n\nChannel 1: They calculate it every fortnight. So that the 5% comes out every fortnight, and the 12% gets calculated monthly on the gross income I earn monthly, and then they just put it on that second or third pay slip, how much they contributed to my super fund for the month.\n\nChannel 0: Okay. Perfect. And then so with that one, there are, like, limits on how many con like, amount of concessional contributions you can make to superannuation. Now with that currently there so based on $75,000 per annum sort of thing, you're looking at, like, based on the 12%, it would be, like, 9,000, but, obviously, you're doing more than that now. It's based on, like, 17%.\n\nSo you'd be doing around, like, sort of 12,750 in terms of, like, employer pay contributions. And then from there, if you're doing the max amount so if you were getting $2.30 per fortnight for twenty six weeks, which might be a little bit less, you're probably not working fifty two weeks of the year, it would be, like, a maximum of 6,000. So as long as you're not exceeding that concessional cap of 30,000, it's you're not breaching any rules. It's just obviously up to your employer if they're happy to do the salary sacrifice there for you.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: And then if you did breach the 30,000, what happens is you basically just have to pay more tax because the concessional and the accounts for that 15% tax in super for 30,000. After that, you get slapped with an additional tax because they don't want everyone dumping all their money into superannuation,\n\nChannel 1: Mhmm.\n\nChannel 0: if that makes sense.\n\nChannel 1: Yeah. I knew there was a a limit, but I wasn't I didn't think I would be earning enough to get to that limit anyway.\n\nChannel 0: No. So even if we you were, like, getting 17% on 75,000 plus your your contributions there, you'd still be sort of well under the actual cap there.\n\nChannel 1: I sort of I sort of sort of worked out that, you know, over the next ten years, I'll be putting in roughly a 140,000 at the 7 and a half thousand seven and a half percent, I should say, was my my cap calculations.\n\nChannel 0: Yeah. Plus\n\nChannel 1: Yeah.\n\nChannel 0: you gotta take into account, like, yeah, your your growth as well and what you're you're getting out of that each year. And then also if your income like CPI is up throughout that time as well, what that looks like.\n\nChannel 1: Alright.\n\nChannel 0: Yeah.\n\nChannel 1: I must admit I don't even have my balance with HUB at the moment.\n\nChannel 0: Yeah. I can let you know your\n\nChannel 1: Mhmm.\n\nChannel 0: balance there currently. So at the moment, it's sitting around a $139,670.\n\nChannel 1: Alright. And then I've got the well, the\n\nChannel 0: Yeah.\n\nChannel 1: 15\n\nChannel 0: And then you\n\nChannel 1: thousand\n\nChannel 0: you\n\nChannel 1: going over to it. Yeah.\n\nChannel 0: yeah. Yeah. Plus your q super balance there as well.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah, obviously, we'll base it off those fees. We might have to call you just to get an updated fee for the the s like, the SOA. So we'll use this statement for the research. But just to make sure that the statement advice is more accurate, we might give you a quick call just to get an actual balance that's more current for when we actually put the finalized document together\n\nChannel 1: Okay.\n\nChannel 0: just to make sure that the the figures line up with the what would be rolled over and what's the recommendations as well.\n\nChannel 1: So just when you do ring, if I don't answer, just leave a message,\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: We might\n\nChannel 1: I'll call\n\nChannel 0: just send you an email even. And if you just\n\nChannel 1: yeah.\n\nChannel 0: respond to the email, that'd be more\n\nChannel 1: Yeah.\n\nChannel 0: than fine as well.\n\nChannel 1: Yeah. Do that because at at the moment, I only got a roster up until the March 15.\n\nChannel 0: Yep. All over the shop.\n\nChannel 1: And that's I don't know anything I don't know what my schedule is until after this till Monday. May I bring out\n\nChannel 0: Yeah. No. Completely understand.\n\nChannel 1: a\n\nChannel 0: Yeah. So\n\nChannel 1: new\n\nChannel 0: same with the booking too. If we don't get ahold of you, we'll just shoot you an email to get you booked back in to have a discussion around that. But do you have any other questions for me there,\n\nChannel 1: roster?\n\nChannel 0: Allison,\n\nChannel 1: Yep.\n\nChannel 0: in regards\n\nChannel 1: No.\n\nChannel 0: to\n\nChannel 1: No. It's an extension\n\nChannel 0: perfect. If anything does come up in the meantime, feel free\n\nChannel 1: one.\n\nChannel 0: to always reach out and touch base. The team will obviously get you in touch with me, but we'll just start that. It is quite straightforward in terms of what the advice is. Like you said, normally, it just gets rolled over, but just given that the time, we'll we'll just review those investments in addition to the rollover retention strategy as well.\n\nChannel 1: That sounds good.\n\nChannel 0: No problem. Well, thanks for your time today, Allison. I'll let you get back to your afternoon. Stop taking up your time, and I'll talk soon, I'm sure.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Thanks. Bye now.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.64,"end":1.04,"sentiment":"neutral","sentiment_score":0.09539653360843658},{"text":"Welcome, speaking.","start":1.04,"end":2.02,"sentiment":"neutral","sentiment_score":0.25668568909168243}],"sentiment":"neutral","sentiment_score":0.2029226372639338,"channel":1,"num_words":3,"start":0.64,"end":2.02},{"sentences":[{"text":"Good afternoon, Allison.","start":2.48,"end":3.36,"sentiment":"positive","sentiment_score":0.46530279517173767},{"text":"It's Carl calling from OPU Financial.","start":3.36,"end":4.96,"sentiment":"neutral","sentiment_score":0.28461920221646625},{"text":"How are you today?","start":4.96,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.3149303048849106}],"sentiment":"positive","sentiment_score":0.33564190910412717,"channel":0,"num_words":13,"start":2.48,"end":5.8599997},{"sentences":[{"text":"Good.","start":6.0,"end":6.16,"sentiment":"positive","sentiment_score":0.5705623626708984},{"text":"Thank you.","start":6.16,"end":6.8999996,"sentiment":"positive","sentiment_score":0.7033177018165588}],"sentiment":"positive","sentiment_score":0.6590659221013387,"channel":1,"num_words":3,"start":6.0,"end":6.8999996},{"sentences":[{"text":"That's good to hear.","start":7.52,"end":8.32,"sentiment":"positive","sentiment_score":0.7297471910715103},{"text":"I just scheduled in for a bit of a follow-up if now is still a good time for you.","start":8.32,"end":11.54,"sentiment":"positive","sentiment_score":0.49829187832380595}],"sentiment":"positive","sentiment_score":0.5385449761929719,"channel":0,"num_words":23,"start":7.52,"end":11.54},{"sentences":[{"text":"Yes.","start":11.679999,"end":12.165,"sentiment":"positive","sentiment_score":0.43366557359695435}],"sentiment":"positive","sentiment_score":0.43366557359695435,"channel":1,"num_words":1,"start":11.679999,"end":12.165},{"sentences":[{"text":"Brilliant.","start":12.895,"end":13.395,"sentiment":"positive","sentiment_score":0.5983952283859253},{"text":"If I could just pass you through security just with that name, date of birth, and current address, we'll get stuck into that one.","start":13.535,"end":18.675,"sentiment":"neutral","sentiment_score":0.26353213377296925}],"sentiment":"neutral","sentiment_score":0.27692665755748747,"channel":0,"num_words":25,"start":12.895,"end":18.675},{"sentences":[{"text":"Okay.","start":18.805,"end":19.285,"sentiment":"neutral","sentiment_score":0.040396567434072495},{"text":"Allison Down Lane.","start":19.285,"end":20.325,"sentiment":"neutral","sentiment_score":0.018809002203245957},{"text":"6 To The 1st 69.","start":20.325,"end":22.025,"sentiment":"neutral","sentiment_score":0.014502292312681676},{"text":"16 Chetham Drive, Cowan.","start":22.325,"end":24.265,"sentiment":"neutral","sentiment_score":0.030220500426366925}],"sentiment":"neutral","sentiment_score":0.022324387485591266,"channel":1,"num_words":13,"start":18.805,"end":24.265},{"sentences":[{"text":"Perfect.","start":25.230001,"end":25.630001,"sentiment":"positive","sentiment_score":0.5761072039604187},{"text":"Thank you for that one there, Allison.","start":25.630001,"end":27.17,"sentiment":"positive","sentiment_score":0.6404007247516087},{"text":"Now the reason I had you booked in there was mainly due to, obviously, having your retained account.","start":27.310001,"end":33.31,"sentiment":"neutral","sentiment_score":0.0010587241914537203},{"text":"I know you were sorta just waiting on the results of, like, your roster and how much you'd be working and things before looking at doing a potential rollover or just revisiting your retention strategy.","start":33.31,"end":44.525,"sentiment":"neutral","sentiment_score":-0.005613988657881107},{"text":"Is that correct?","start":44.525,"end":45.345,"sentiment":"neutral","sentiment_score":0.03870970383286476}],"sentiment":"neutral","sentiment_score":0.07808763783032191,"channel":0,"num_words":64,"start":25.230001,"end":45.345},{"sentences":[{"text":"I did my key zippers information to you to to to take it from whatever is over 10,000 to take it over to roll over into Hub 20 yeah.","start":46.705,"end":60.62,"sentiment":"neutral","sentiment_score":0.009093620332664457},{"text":"Hub 24.","start":60.62,"end":61.6,"sentiment":"neutral","sentiment_score":0.005249818088486791}],"sentiment":"neutral","sentiment_score":0.008845633091104607,"channel":1,"num_words":31,"start":46.705,"end":61.6},{"sentences":[{"text":"Yeah.","start":62.235,"end":62.635002,"sentiment":"neutral","sentiment_score":0.01732758991420269},{"text":"So with that one there, I just had it here that it was to to reach out in the new year regarding that one just because you didn't have your your roster or when you'd be free for a call to have a discussion around it.","start":62.635002,"end":75.33,"sentiment":"neutral","sentiment_score":0.03391439581046934},{"text":"So you you sent through your your statement.","start":75.490005,"end":77.490005,"sentiment":"neutral","sentiment_score":-0.007975431974045932},{"text":"When was that about?","start":77.490005,"end":78.770004,"sentiment":"neutral","sentiment_score":-0.024132444988936186},{"text":"Sorry.","start":78.770004,"end":78.93,"sentiment":"neutral","sentiment_score":-0.0504138246178627}],"sentiment":"neutral","sentiment_score":0.022777378947163623,"channel":0,"num_words":60,"start":62.235,"end":78.93},{"sentences":[{"text":"I'll just see if it's the most recent","start":78.93,"end":80.21,"sentiment":"neutral","sentiment_score":-0.03296347474679351}],"sentiment":"neutral","sentiment_score":-0.03296347474679351,"channel":0,"num_words":8,"start":78.93,"end":80.21},{"sentences":[{"text":"Yeah.","start":79.945,"end":80.445,"sentiment":"neutral","sentiment_score":-0.01273044478148222}],"sentiment":"neutral","sentiment_score":-0.01273044478148222,"channel":1,"num_words":1,"start":79.945,"end":80.445},{"sentences":[{"text":"one I'm looking.","start":80.21,"end":81.03,"sentiment":"neutral","sentiment_score":-0.013514239341020584}],"sentiment":"neutral","sentiment_score":-0.013514239341020584,"channel":0,"num_words":3,"start":80.21,"end":81.03},{"sentences":[{"text":"Yeah, I've just sent it.","start":80.909996,"end":82.13,"sentiment":"neutral","sentiment_score":-0.0018900799797847867},{"text":"I had it sent to me on the December 13, I think it was.","start":82.59,"end":87.25,"sentiment":"neutral","sentiment_score":-0.0027859889503036228}],"sentiment":"neutral","sentiment_score":-0.0025502234317460342,"channel":1,"num_words":19,"start":80.909996,"end":87.25},{"sentences":[{"text":"Yep.","start":88.065,"end":88.305,"sentiment":"neutral","sentiment_score":0.022121574729681015},{"text":"And have you forwarded that through to us at all?","start":88.305,"end":90.405,"sentiment":"neutral","sentiment_score":0.0033522913232445716}],"sentiment":"neutral","sentiment_score":0.005058589814738793,"channel":0,"num_words":11,"start":88.065,"end":90.405},{"sentences":[{"text":"Yes.","start":90.27,"end":90.509995,"sentiment":"neutral","sentiment_score":0.027173012495040897},{"text":"I have.","start":90.509995,"end":91.17,"sentiment":"neutral","sentiment_score":0.015672362875193357}],"sentiment":"neutral","sentiment_score":0.01950591274847587,"channel":1,"num_words":3,"start":90.27,"end":91.17},{"sentences":[{"text":"Just see if I can see that one.","start":93.345,"end":95.425,"sentiment":"neutral","sentiment_score":0.0006494702538475394},{"text":"And was that the info for you financial, was it?","start":95.425,"end":97.505005,"sentiment":"neutral","sentiment_score":-0.008164704032242297},{"text":"Sorry.","start":97.505005,"end":98.005005,"sentiment":"neutral","sentiment_score":-0.053561627864837646}],"sentiment":"neutral","sentiment_score":-0.006842784534551595,"channel":0,"num_words":19,"start":93.345,"end":98.005005},{"sentences":[{"text":"Yeah.","start":98.55499,"end":98.715,"sentiment":"neutral","sentiment_score":-0.032411202788352966},{"text":"It has all the the balance and everything on it.","start":98.715,"end":103.134995,"sentiment":"neutral","sentiment_score":-0.04286090284585953},{"text":"What insurance is the insurance is on it and 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be using that statement there.","start":196.31,"end":198.41,"sentiment":"neutral","sentiment_score":0.10082711651921272},{"text":"We'd put the advice piece together based on that.","start":198.525,"end":201.265,"sentiment":"neutral","sentiment_score":0.1715251323249605}],"sentiment":"neutral","sentiment_score":0.05739269528537989,"channel":0,"num_words":50,"start":185.91,"end":201.265},{"sentences":[{"text":"And if you're happy with everything else and how everything else is tracking, then we can just look at doing just an investment update of that retention 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can do up to 10% per annum, and then you can contribute from your wages into superannuation.","start":912.73,"end":935.125,"sentiment":"neutral","sentiment_score":0.1619362865707704}],"sentiment":"neutral","sentiment_score":0.14791310088166706,"channel":0,"num_words":79,"start":909.85,"end":935.125},{"sentences":[{"text":"So what you're basically doing is you're paying tax at the super rate of 15% instead of at the the rate that is your marginal tax rate.","start":935.42505,"end":943.99,"sentiment":"neutral","sentiment_score":0.21931324678438682},{"text":"And it 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yet.","start":959.875,"end":973.0,"sentiment":"neutral","sentiment_score":0.2720242607578331}],"sentiment":"neutral","sentiment_score":0.2720242607578331,"channel":0,"num_words":49,"start":959.875,"end":973.0},{"sentences":[{"text":"No.","start":973.79,"end":974.27,"sentiment":"neutral","sentiment_score":-0.07408304512500763},{"text":"I've been talking talking about my husband.","start":974.27,"end":975.95,"sentiment":"neutral","sentiment_score":-0.03853296222431319},{"text":"He was and then one of one of the gentlemen who was talking to him was saying that now that he's over 60, he should be able to put so much of his wage into super and then withdraw it out after so that he's still getting the same amount of money in 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retirement.","start":1018.52,"end":1036.735,"sentiment":"positive","sentiment_score":0.5529088780283928}],"sentiment":"positive","sentiment_score":0.5519583278992137,"channel":0,"num_words":61,"start":1018.28,"end":1036.735},{"sentences":[{"text":"Yeah.","start":1036.605,"end":1037.105,"sentiment":"neutral","sentiment_score":0.31557637453079224}],"sentiment":"neutral","sentiment_score":0.31557637453079224,"channel":1,"num_words":1,"start":1036.605,"end":1037.105},{"sentences":[{"text":"Does that make sense?","start":1036.735,"end":1037.795,"sentiment":"neutral","sentiment_score":0.29581277072429657}],"sentiment":"neutral","sentiment_score":0.29581277072429657,"channel":0,"num_words":4,"start":1036.735,"end":1037.795},{"sentences":[{"text":"I know.","start":1037.8049,"end":1038.205,"sentiment":"neutral","sentiment_score":0.19695688784122467},{"text":"Because he's fully with Hub twenty four.","start":1038.205,"end":1040.365,"sentiment":"neutral","sentiment_score":0.25596657608236584},{"text":"He doesn't have to have another super with his company, whereas","start":1040.365,"end":1046.62,"sentiment":"neutral","sentiment_score":0.07260560582984578}],"sentiment":"neutral","sentiment_score":0.1492170736193657,"channel":1,"num_words":20,"start":1037.8049,"end":1046.62},{"sentences":[{"text":"Yep.","start":1046.43,"end":1046.93,"sentiment":"neutral","sentiment_score":0.0934826284646988}],"sentiment":"neutral","sentiment_score":0.0934826284646988,"channel":0,"num_words":1,"start":1046.43,"end":1046.93},{"sentences":[{"text":"I do because I'm Queensland 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definitely gets hard, especially when you're busy with work trying to see, you know, grandkids and things like that.","start":1204.26,"end":1209.8,"sentiment":"neutral","sentiment_score":-0.2583368241786957}],"sentiment":"neutral","sentiment_score":-0.2583368241786957,"channel":0,"num_words":20,"start":1204.26,"end":1209.8},{"sentences":[{"text":"Yeah.","start":1210.125,"end":1210.625,"sentiment":"neutral","sentiment_score":-0.1073468178510666},{"text":"But now that I was off well, I was offered this full time job, so it was an opportunity I just couldn't pass 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two months of settling in and going full time, working four to five days a week.","start":1227.7001,"end":1235.435,"sentiment":"neutral","sentiment_score":-0.18518237570034607},{"text":"But, yeah, it's a salad in there.","start":1235.435,"end":1237.615,"sentiment":"neutral","sentiment_score":-0.07254130552921977}],"sentiment":"neutral","sentiment_score":-0.15329479788606232,"channel":1,"num_words":37,"start":1226.1,"end":1237.615},{"sentences":[{"text":"Perfect.","start":1239.075,"end":1239.5549,"sentiment":"positive","sentiment_score":0.5067906975746155},{"text":"And I will do a quick risk profile just because we are potentially looking at or are looking at look updating those investments, Allison.","start":1239.5549,"end":1246.9349,"sentiment":"neutral","sentiment_score":0.10830041921387117},{"text":"So in regards to investing, have you had direct shares prior or anything like that?","start":1247.075,"end":1251.975,"sentiment":"neutral","sentiment_score":0.01596114138762156},{"text":"Yep.","start":1251.99,"end":1252.49,"sentiment":"neutral","sentiment_score":0.02180038020014763}],"sentiment":"neutral","sentiment_score":0.08212727462736572,"channel":0,"num_words":41,"start":1239.075,"end":1252.49},{"sentences":[{"text":"No.","start":1252.59,"end":1253.0701,"sentiment":"neutral","sentiment_score":-0.15136729180812836},{"text":"No.","start":1253.0701,"end":1253.31,"sentiment":"neutral","sentiment_score":-0.20945952832698825},{"text":"I've never had shoes before.","start":1253.31,"end":1254.6901,"sentiment":"neutral","sentiment_score":-0.16526696234941482},{"text":"My family my other family members, my parents, when I've had I've never had shoes.","start":1255.23,"end":1260.85,"sentiment":"neutral","sentiment_score":-0.05576968317230543}],"sentiment":"neutral","sentiment_score":-0.09198667633939873,"channel":1,"num_words":22,"start":1252.59,"end":1260.85},{"sentences":[{"text":"Yep.","start":1261.27,"end":1261.59,"sentiment":"neutral","sentiment_score":0.10626485198736192},{"text":"And you said in regards to risk, you're still quite conservative in relation to, like, the cost of living and the rising prices.","start":1261.59,"end":1268.715,"sentiment":"neutral","sentiment_score":0.06659876879142679},{"text":"Are you still willing to take on sort of a moderate amount of risk to try and outpace that inflation and get a return out of your superannuation?","start":1268.715,"end":1274.015,"sentiment":"neutral","sentiment_score":0.12112585322133132}],"sentiment":"neutral","sentiment_score":0.0967223158536049,"channel":0,"num_words":52,"start":1261.27,"end":1274.015},{"sentences":[{"text":"I'm very 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quite concerned?","start":1280.8099,"end":1288.25,"sentiment":"neutral","sentiment_score":-0.010637257846870593},{"text":"Would that make you wanna sorta shift out of, like, investing and be more, like, defensive, or would you just hold and wait, you know, given that you've got the time still working life behind you to recover those sort of dips in the market?","start":1288.25,"end":1300.875,"sentiment":"neutral","sentiment_score":-0.020846041581696933},{"text":"Or how do you think you'd","start":1300.875,"end":1301.835,"sentiment":"neutral","sentiment_score":-0.020979981248577435}],"sentiment":"neutral","sentiment_score":-0.012672706518644168,"channel":0,"num_words":81,"start":1280.17,"end":1301.835},{"sentences":[{"text":"Yeah.","start":1301.7151,"end":1302.035,"sentiment":"neutral","sentiment_score":0.033262949436903}],"sentiment":"neutral","sentiment_score":0.033262949436903,"channel":1,"num_words":1,"start":1301.7151,"end":1302.035},{"sentences":[{"text":"feel 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going.","start":1321.625,"end":1329.8049,"sentiment":"positive","sentiment_score":0.37851610495930627}],"sentiment":"positive","sentiment_score":0.3638334083557129,"channel":1,"num_words":25,"start":1320.905,"end":1329.8049},{"sentences":[{"text":"Yeah.","start":1330.55,"end":1331.05,"sentiment":"neutral","sentiment_score":0.3056534230709076}],"sentiment":"neutral","sentiment_score":0.3056534230709076,"channel":0,"num_words":1,"start":1330.55,"end":1331.05},{"sentences":[{"text":"Having that no major incidents has have have occurred.","start":1330.745,"end":1335.405,"sentiment":"neutral","sentiment_score":0.18987284931871626}],"sentiment":"neutral","sentiment_score":0.18987284931871626,"channel":1,"num_words":9,"start":1330.745,"end":1335.405},{"sentences":[{"text":"Yep.","start":1336.63,"end":1337.13,"sentiment":"positive","sentiment_score":0.3641449213027954},{"text":"And then as far as, like, an expected return that you'd be hoping to get year on year out of your more conservative 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terrible.","start":1502.4049,"end":1505.465,"sentiment":"neutral","sentiment_score":-0.30977938969930013}],"sentiment":"negative","sentiment_score":-0.3346523233822414,"channel":1,"num_words":35,"start":1490.8049,"end":1505.465},{"sentences":[{"text":"But I've got permanent disability and death cover with work","start":1506.7101,"end":1511.8501,"sentiment":"neutral","sentiment_score":-0.3017037078738213}],"sentiment":"neutral","sentiment_score":-0.3017037078738213,"channel":1,"num_words":10,"start":1506.7101,"end":1511.8501},{"sentences":[{"text":"Yep.","start":1512.6599,"end":1513.1599,"sentiment":"neutral","sentiment_score":-0.29164910316467285}],"sentiment":"neutral","sentiment_score":-0.29164910316467285,"channel":0,"num_words":1,"start":1512.6599,"end":1513.1599},{"sentences":[{"text":"and that, and I think that's where my biggest risk of an injury is going to 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statement advice is more accurate, we might give you a quick call just to get an actual balance that's more current for when we actually put the finalized document together","start":2042.5,"end":2051.925,"sentiment":"neutral","sentiment_score":0.1332091006475526}],"sentiment":"neutral","sentiment_score":0.1181646153739054,"channel":0,"num_words":73,"start":2033.78,"end":2051.925},{"sentences":[{"text":"Okay.","start":2052.42,"end":2052.92,"sentiment":"neutral","sentiment_score":0.1557685136795044}],"sentiment":"neutral","sentiment_score":0.1557685136795044,"channel":1,"num_words":1,"start":2052.42,"end":2052.92},{"sentences":[{"text":"just to make sure that the the figures line up with the what would be rolled over and what's the recommendations as well.","start":2053.825,"end":2059.26,"sentiment":"neutral","sentiment_score":0.19185136452965115}],"sentiment":"neutral","sentiment_score":0.19185136452965115,"channel":0,"num_words":23,"start":2053.825,"end":2059.26},{"sentences":[{"text":"So just when you do ring, if I don't answer, just leave a message,","start":2060.3152,"end":2063.695,"sentiment":"neutral","sentiment_score":0.04861261482749667}],"sentiment":"neutral","sentiment_score":0.04861261482749667,"channel":1,"num_words":14,"start":2060.3152,"end":2063.695},{"sentences":[{"text":"Yeah.","start":2064.62,"end":2064.94,"sentiment":"neutral","sentiment_score":0.10835882276296616}],"sentiment":"neutral","sentiment_score":0.10835882276296616,"channel":0,"num_words":1,"start":2064.62,"end":2064.94},{"sentences":[{"text":"and","start":2064.875,"end":2065.115,"sentiment":"neutral","sentiment_score":0.053590696305036545}],"sentiment":"neutral","sentiment_score":0.053590696305036545,"channel":1,"num_words":1,"start":2064.875,"end":2065.115},{"sentences":[{"text":"We might","start":2064.94,"end":2065.34,"sentiment":"neutral","sentiment_score":0.09268014132976532}],"sentiment":"neutral","sentiment_score":0.09268014132976532,"channel":0,"num_words":2,"start":2064.94,"end":2065.34},{"sentences":[{"text":"I'll call","start":2065.115,"end":2065.7751,"sentiment":"neutral","sentiment_score":0.10264616459608078}],"sentiment":"neutral","sentiment_score":0.10264616459608078,"channel":1,"num_words":2,"start":2065.115,"end":2065.7751},{"sentences":[{"text":"just send you an email even.","start":2065.34,"end":2066.94,"sentiment":"neutral","sentiment_score":0.10403145104646683},{"text":"And if you just","start":2066.94,"end":2067.66,"sentiment":"neutral","sentiment_score":0.08080869074910879}],"sentiment":"neutral","sentiment_score":0.09474234692752362,"channel":0,"num_words":10,"start":2065.34,"end":2067.66},{"sentences":[{"text":"yeah.","start":2067.5952,"end":2068.0952,"sentiment":"neutral","sentiment_score":0.06532323360443115}],"sentiment":"neutral","sentiment_score":0.06532323360443115,"channel":1,"num_words":1,"start":2067.5952,"end":2068.0952},{"sentences":[{"text":"respond to the email, that'd be more","start":2067.66,"end":2069.66,"sentiment":"neutral","sentiment_score":0.11317057056086403}],"sentiment":"neutral","sentiment_score":0.11317057056086403,"channel":0,"num_words":7,"start":2067.66,"end":2069.66},{"sentences":[{"text":"Yeah.","start":2069.5952,"end":2070.0952,"sentiment":"neutral","sentiment_score":0.24830567836761477}],"sentiment":"neutral","sentiment_score":0.24830567836761477,"channel":1,"num_words":1,"start":2069.5952,"end":2070.0952},{"sentences":[{"text":"than fine as well.","start":2069.66,"end":2070.8,"sentiment":"positive","sentiment_score":0.37568551301956177}],"sentiment":"positive","sentiment_score":0.37568551301956177,"channel":0,"num_words":4,"start":2069.66,"end":2070.8},{"sentences":[{"text":"Yeah.","start":2070.635,"end":2070.955,"sentiment":"neutral","sentiment_score":0.02009163424372673},{"text":"Do that because at at the moment, I only got a roster up until the March 15.","start":2070.955,"end":2077.65,"sentiment":"neutral","sentiment_score":-0.020348075229455444}],"sentiment":"neutral","sentiment_score":-0.018101424703167543,"channel":1,"num_words":18,"start":2070.635,"end":2077.65},{"sentences":[{"text":"Yep.","start":2078.085,"end":2078.565,"sentiment":"neutral","sentiment_score":-0.001294795423746109},{"text":"All over the shop.","start":2078.565,"end":2079.785,"sentiment":"neutral","sentiment_score":-0.02062129322439432}],"sentiment":"neutral","sentiment_score":-0.016755993664264678,"channel":0,"num_words":5,"start":2078.085,"end":2079.785},{"sentences":[{"text":"And that's I don't know anything I don't know what my schedule is until after this till Monday.","start":2080.19,"end":2087.5698,"sentiment":"neutral","sentiment_score":-0.10659111311866178},{"text":"May I bring out","start":2087.735,"end":2088.555,"sentiment":"neutral","sentiment_score":0.023241777904331684}],"sentiment":"neutral","sentiment_score":-0.08298513293266296,"channel":1,"num_words":22,"start":2080.19,"end":2088.555},{"sentences":[{"text":"Yeah.","start":2090.02,"end":2090.4202,"sentiment":"neutral","sentiment_score":0.014209151268005373},{"text":"No.","start":2090.4202,"end":2090.6602,"sentiment":"neutral","sentiment_score":-0.0941169410943985},{"text":"Completely understand.","start":2090.6602,"end":2091.7202,"sentiment":"neutral","sentiment_score":-0.0319910142570734}],"sentiment":"neutral","sentiment_score":-0.03597245458513498,"channel":0,"num_words":4,"start":2090.02,"end":2091.7202},{"sentences":[{"text":"a","start":2092.855,"end":2093.355,"sentiment":"neutral","sentiment_score":-0.005274461582303047}],"sentiment":"neutral","sentiment_score":-0.005274461582303047,"channel":1,"num_words":1,"start":2092.855,"end":2093.355},{"sentences":[{"text":"Yeah.","start":2093.1401,"end":2093.4602,"sentiment":"neutral","sentiment_score":0.0914396420121193},{"text":"So","start":2093.4602,"end":2093.7002,"sentiment":"neutral","sentiment_score":0.07929833233356476}],"sentiment":"neutral","sentiment_score":0.08536898717284203,"channel":0,"num_words":2,"start":2093.1401,"end":2093.7002},{"sentences":[{"text":"new","start":2093.655,"end":2094.155,"sentiment":"neutral","sentiment_score":0.1176040917634964}],"sentiment":"neutral","sentiment_score":0.1176040917634964,"channel":1,"num_words":1,"start":2093.655,"end":2094.155},{"sentences":[{"text":"same with the booking too.","start":2093.7002,"end":2094.6602,"sentiment":"neutral","sentiment_score":0.1809879034757614},{"text":"If we don't get ahold of you, we'll just shoot you an email to get you booked back in to have a discussion around that.","start":2094.6602,"end":2099.9248,"sentiment":"neutral","sentiment_score":0.11621183454990387},{"text":"But do you have any other questions for me there,","start":2099.9248,"end":2101.9248,"sentiment":"neutral","sentiment_score":0.06519864685833454}],"sentiment":"neutral","sentiment_score":0.11155554624274373,"channel":0,"num_words":40,"start":2093.7002,"end":2101.9248},{"sentences":[{"text":"roster?","start":2101.885,"end":2102.135,"sentiment":"neutral","sentiment_score":0.06663665175437927}],"sentiment":"neutral","sentiment_score":0.06663665175437927,"channel":1,"num_words":1,"start":2101.885,"end":2102.135},{"sentences":[{"text":"Allison,","start":2101.9248,"end":2102.325,"sentiment":"neutral","sentiment_score":0.0690620094537735}],"sentiment":"neutral","sentiment_score":0.0690620094537735,"channel":0,"num_words":1,"start":2101.9248,"end":2102.325},{"sentences":[{"text":"Yep.","start":2102.135,"end":2102.635,"sentiment":"neutral","sentiment_score":0.06632108986377716}],"sentiment":"neutral","sentiment_score":0.06632108986377716,"channel":1,"num_words":1,"start":2102.135,"end":2102.635},{"sentences":[{"text":"in regards","start":2102.325,"end":2102.9648,"sentiment":"neutral","sentiment_score":0.003936538472771645}],"sentiment":"neutral","sentiment_score":0.003936538472771645,"channel":0,"num_words":2,"start":2102.325,"end":2102.9648},{"sentences":[{"text":"No.","start":2102.855,"end":2103.355,"sentiment":"neutral","sentiment_score":-0.06981292366981506}],"sentiment":"neutral","sentiment_score":-0.06981292366981506,"channel":1,"num_words":1,"start":2102.855,"end":2103.355},{"sentences":[{"text":"to","start":2102.9648,"end":2103.4648,"sentiment":"neutral","sentiment_score":-0.04770371317863464}],"sentiment":"neutral","sentiment_score":-0.04770371317863464,"channel":0,"num_words":1,"start":2102.9648,"end":2103.4648},{"sentences":[{"text":"No.","start":2103.66,"end":2103.8198,"sentiment":"neutral","sentiment_score":-0.07884956896305084},{"text":"It's an extension","start":2103.8198,"end":2104.88,"sentiment":"neutral","sentiment_score":0.21846755842367807}],"sentiment":"neutral","sentiment_score":0.14413827657699585,"channel":1,"num_words":4,"start":2103.66,"end":2104.88},{"sentences":[{"text":"perfect.","start":2106.1648,"end":2106.6648,"sentiment":"positive","sentiment_score":0.3912266492843628},{"text":"If anything does come up in the meantime, feel free","start":2106.8848,"end":2108.7249,"sentiment":"neutral","sentiment_score":0.18133235424757005}],"sentiment":"neutral","sentiment_score":0.20041365379636938,"channel":0,"num_words":11,"start":2106.1648,"end":2108.7249},{"sentences":[{"text":"one.","start":2108.6199,"end":2109.1199,"sentiment":"neutral","sentiment_score":0.10066890716552734}],"sentiment":"neutral","sentiment_score":0.10066890716552734,"channel":1,"num_words":1,"start":2108.6199,"end":2109.1199},{"sentences":[{"text":"to always reach out and touch base.","start":2108.7249,"end":2110.6448,"sentiment":"neutral","sentiment_score":0.20480551038469588},{"text":"The team will obviously get you in touch with me, but we'll just start that.","start":2110.6448,"end":2114.29,"sentiment":"neutral","sentiment_score":0.25156580805778506},{"text":"It is quite straightforward in terms of what the advice is.","start":2114.29,"end":2116.77,"sentiment":"positive","sentiment_score":0.3439122032035481},{"text":"Like you said, normally, it just gets rolled over, but just given that the time, we'll we'll just review those investments in addition to the rollover retention strategy as well.","start":2116.77,"end":2125.695,"sentiment":"neutral","sentiment_score":0.18109675198793412}],"sentiment":"neutral","sentiment_score":0.22893749981645553,"channel":0,"num_words":63,"start":2108.7249,"end":2125.695},{"sentences":[{"text":"That sounds good.","start":2127.235,"end":2128.209,"sentiment":"positive","sentiment_score":0.7486209869384766}],"sentiment":"positive","sentiment_score":0.7486209869384766,"channel":1,"num_words":3,"start":2127.235,"end":2128.209},{"sentences":[{"text":"No problem.","start":2128.735,"end":2129.375,"sentiment":"positive","sentiment_score":0.5147586911916733},{"text":"Well, thanks for your time today, Allison.","start":2129.375,"end":2130.995,"sentiment":"positive","sentiment_score":0.7245593581880841},{"text":"I'll let you get back to your afternoon.","start":2131.0552,"end":2132.495,"sentiment":"positive","sentiment_score":0.49992258846759796},{"text":"Stop taking up your time, and I'll talk soon, I'm sure.","start":2132.495,"end":2134.915,"sentiment":"neutral","sentiment_score":0.1516101143576882}],"sentiment":"positive","sentiment_score":0.4203044591205461,"channel":0,"num_words":28,"start":2128.735,"end":2134.915},{"sentences":[{"text":"Okay.","start":2134.929,"end":2135.249,"sentiment":"positive","sentiment_score":0.33440300822257996},{"text":"Thank you.","start":2135.249,"end":2135.989,"sentiment":"positive","sentiment_score":0.6749668717384338}],"sentiment":"positive","sentiment_score":0.5614455838998159,"channel":1,"num_words":3,"start":2134.929,"end":2135.989},{"sentences":[{"text":"Thanks.","start":2136.2551,"end":2136.655,"sentiment":"positive","sentiment_score":0.6128939390182495},{"text":"Bye now.","start":2136.655,"end":2137.395,"sentiment":"positive","sentiment_score":0.4299332946538925}],"sentiment":"positive","sentiment_score":0.49092017610867816,"channel":0,"num_words":3,"start":2136.2551,"end":2137.395},{"sentences":[{"text":"Bye.","start":2137.569,"end":2138.069,"sentiment":"neutral","sentiment_score":-0.09003350883722305}],"sentiment":"neutral","sentiment_score":-0.09003350883722305,"channel":1,"num_words":1,"start":2137.569,"end":2138.069}]},"summary":{"result":"success","short":"During a call with OPU Financial, Allison discusses her investment strategy and retirement goals with a representative. They discuss updating her retention review and potential salary increases. The conversation also touches on retirement plans and risk management strategies, including updating her portfolio and adding growth to her super while maintaining a balanced growth portfolio. The speaker provides information on savings and retirement plans, and suggests reaching out if anything comes up. They also discuss updating her estate planning and investment strategy, including updating her retirement maximum and maximum contribution."},"intents":{"segments":[{"text":"I just scheduled in for a bit of a follow-up if now is still a good time for you. Yes. Brilliant.","start_word":23,"end_word":43,"intents":[{"intent":"Schedule follow-up","confidence_score":0.67935544}]},{"text":"If I could just pass you through security just with that name, date of birth, and current address, we'll get stuck into that one. Okay.","start_word":44,"end_word":68,"intents":[{"intent":"Pass through security","confidence_score":0.93178254}]},{"text":"And was that the info for you financial, was it? Sorry.","start_word":289,"end_word":299,"intents":[{"intent":"Confirm information","confidence_score":0.022454843},{"intent":"Confirm information","confidence_score":0.024976147}]},{"text":"What insurance is the insurance is on it and everything. Yes, And sir.","start_word":311,"end_word":323,"intents":[{"intent":"Identify insurance coverage","confidence_score":0.001783605}]},{"text":"that Just because we've been through a system change, I'm just trying to find the actual well, I only document sent it that the other day, and the and the person I talked to last week was said that they would they received it.","start_word":324,"end_word":367,"intents":[{"intent":"Report system change","confidence_score":0.0023248543}]},{"text":"Now in regards to that one there, Allison, now, obviously, you've been doing just the retention review, the 10 over $10,000.","start_word":419,"end_word":439,"intents":[{"intent":"Retention review","confidence_score":0.05648788}]},{"text":"Your investment is still up to date.","start_word":473,"end_word":479,"intents":[{"intent":"Investment update","confidence_score":0.6433829},{"intent":"Investment update","confidence_score":0.009222552}]},{"text":"Now within regards to your portfolio there too, Allison, there is one asset within the active portion of that fund that hasn't been performing too well and then in recent years has not performed the best as a whole either for the price you pay for a managed account. So we were looking at potentially removing that and substitute for a different investment moving forward, Okay.","start_word":480,"end_word":545,"intents":[{"intent":"Portfolio management","confidence_score":0.019386949}]},{"text":"Brent, and then as far as the the goals that you're still working towards, I know you're sort of just looking at sort of paying down the debts as the main thing before, like, you were looking to retire and then saving up a little bit to be able to spend some time with the the family and do a bit of travel around Australia.","start_word":1517,"end_word":1581,"intents":[{"intent":"Retire and save money","confidence_score":0.0005374182}]},{"text":"I went so we're looking at ten years now, and then and I probably won't retire straight at 67. I will retire after my 60 birthday. Yep.","start_word":1697,"end_word":1723,"intents":[{"intent":"Reach retirement age","confidence_score":0.21581015}]},{"text":"And then you you might get additional long service leave for being Oh, there yeah.","start_word":1773,"end_word":1787,"intents":[{"intent":"Provide information on long service leave","confidence_score":0.0005251491}]},{"text":"Would you look be more comfortable with a passive investment option that is a little bit more, like, cheaper that just tracks the index, or do you still want an active portion to be able to outperform the market potentially for a smaller portion of your portfolio?","start_word":1986,"end_word":2032,"intents":[{"intent":"Discuss investment options","confidence_score":0.48787203},{"intent":"Discuss preference for passive investment option","confidence_score":0.0009887122}]},{"text":"he lost nearly half his super. And Yeah.","start_word":2120,"end_word":2127,"intents":[{"intent":"Discuss lost super super super super super super loss","confidence_score":0.0001807271}]},{"text":"Now in relation to that one, obviously, we can look to potentially do, like, a full update of your portfolio and then use the the losses of that Ben Long to offset any capital gains to potentially look at just updating as a whole moving forward given your time on board. Mhmm.","start_word":2223,"end_word":2274,"intents":[{"intent":"Update portfolio","confidence_score":0.1411888}]},{"text":"We can look to do just a more passive approach within line of that balance growth. Now it wouldn't mean that you're sort of losing any sort of asset to the growth to be able to still get those potential returns. It just means that you wouldn't be actively trying to outperform the market, and it's actually a little bit cheaper in terms of, like, ongoing investment costs as well. Yeah.","start_word":2420,"end_word":2490,"intents":[{"intent":"Evaluate performance","confidence_score":0.014584348}]},{"text":"And that's why I've also you know, I'm I'm thinking ahead of these last ten years that if I can put a little bit extra into my super, you know, and we can, you know, still live comfortably on a day to day basis and pay our bills and and just boost my super up a little bit quicker.","start_word":2492,"end_word":2550,"intents":[{"intent":"Intends to maximize super income","confidence_score":0.00010623655}]},{"text":"And when you hit 60 as well, there's actually strategies we can do to utilize your eligibility to potentially make drawdowns because you can draw down from your super and not not form part of, like, your your taxable income there because you've already drawn it down from, like, a pension, and it can do up to 10% per annum, and then you can contribute from your wages into superannuation.","start_word":2569,"end_word":2638,"intents":[{"intent":"Intends to clarify super deduction strategy","confidence_score":0.0014046796},{"intent":"Intends to clarify superannuation strategy","confidence_score":0.00008446772}]},{"text":"I've been talking talking about my husband. He was and then one of one of the gentlemen who was talking to him was saying that now that he's over 60, he should be able to put so much of his wage into super and then withdraw it out after so that he's still getting the same amount of money in income Yeah.","start_word":2775,"end_word":2836,"intents":[{"intent":"Intends to underscore husband's financial situation","confidence_score":0.00025920646}]},{"text":"So if he did wanna sort of look at doing one of those transition to retirement strategies, feel free to have him reach out to us there, and we can sort of have that conversation about about that and what that sort of looks like and what you can do to to help sort of grow that towards your retirement. Yeah.","start_word":2895,"end_word":2955,"intents":[{"intent":"Evaluate retirement strategy","confidence_score":0.00020061959},{"intent":"Discuss retirement strategies","confidence_score":0.19018601},{"intent":"Discuss retirement strategy","confidence_score":0.0377854}]},{"text":"It it's not to say that you you can't have, like, the singular one, but in saying that in regards to you can't you do sort of get some benefits to having it with your your employer as well.","start_word":2988,"end_word":3026,"intents":[{"intent":"Discuss benefits","confidence_score":0.19325274}]},{"text":"And even and then if you sort of still felt like you did need to work, you can sort of utilize your super a little bit as well.","start_word":3146,"end_word":3173,"intents":[{"intent":"Utilize super","confidence_score":0.44199103}]},{"text":"Now so you're looking to sort of make sure you're getting something for your retirement there at the end of the day as well. Yeah.","start_word":3332,"end_word":3356,"intents":[{"intent":"Evaluate retirement plans","confidence_score":0.0774627}]},{"text":"And much like sort of COVID period where your super did take a a dip there and it went back like 20% there, would you be quite concerned? Would that make you wanna sorta shift out of, like, investing and be more, like, defensive, or would you just hold and wait, you know, given that you've got the time still working life behind you to recover those sort of dips in the market?","start_word":3698,"end_word":3770,"intents":[{"intent":"Recover market declines","confidence_score":0.00030556635}]},{"text":"I'd like to keep it as it is, see how it goes. I mean, once I reach that 60 mark and see how, you know, we've paid things off and and then just see how the market's all going there. Yep.","start_word":3783,"end_word":3823,"intents":[{"intent":"Assess future performance","confidence_score":0.0011055259}]},{"text":"And then as far as, like, an expected return that you'd be hoping to get year on year out of your more conservative portfolio, if you're getting sort of 4% to 6% per annum on that more defensive investment, you'd be happy? Or Yeah.","start_word":3863,"end_word":3906,"intents":[{"intent":"Assess expected return","confidence_score":0.12848824}]},{"text":"as I said, we will have a look at just updating the portfolio and reviewing your retention strategy there as well.","start_word":4069,"end_word":4089,"intents":[{"intent":"Review portfolio and retention strategy","confidence_score":0.051361736}]},{"text":"Not a problem at all. Obviously, we could look at reviewing and sort of looking at some sort of, like, retail cover, but given as you get older, retail cover gets quite a bit more expensive. Mhmm.","start_word":4230,"end_word":4266,"intents":[{"intent":"Review retail cover","confidence_score":0.684767}]},{"text":"It may sort of be worth just holding on to those if you're sort of happy holding on to those. Obviously, you don't have income protection or trauma insurance currently, but they would come at sort of a a much higher cost than the insurance cost you're paying for your life and total permanent disability, if that makes sense. Yeah.","start_word":4268,"end_word":4327,"intents":[{"intent":"Maintain coverage","confidence_score":0.000018687006}]},{"text":"Now, obviously, these things sort of are important to have, but, generally, they're done like, you know, with lawyers, we can sort of have a discussion around generally how you might split it up and things like that. But, ultimately, I've got an appointment it is a in lot. in the next couple of weeks coming up. Okay.","start_word":4589,"end_word":4646,"intents":[{"intent":"Discuss and organize appointments","confidence_score":0.00067944475}]},{"text":"We're updating it because it's the the health All directive the advanced formula. health care yeah.","start_word":4698,"end_word":4713,"intents":[{"intent":"Update health directive and order documents","confidence_score":0.0012149003}]},{"text":"And do do you kinda set up a power of attorney with that one as well? Yep.","start_word":4770,"end_word":4786,"intents":[{"intent":"Set up power of attorney","confidence_score":0.59545404}]},{"text":"Everything's gonna be and that was sat down with our kids at Christmas, and we've done a lot of frank talking with our children. Yep.","start_word":4787,"end_word":4811,"intents":[{"intent":"Discuss and organize documents for children","confidence_score":0.0013355816}]},{"text":"And because we have to book longer times for these documents to be done. And then and then we're doing the appointment for the wheel after that's finalized.","start_word":4941,"end_word":4968,"intents":[{"intent":"Manage documents and discuss savings","confidence_score":0.00286148}]},{"text":"I think, like, there would be a limit of how much I can contribute to my super or not.","start_word":5306,"end_word":5324,"intents":[{"intent":"Limit contributions","confidence_score":0.11264269},{"intent":"Limit condiments","confidence_score":0.000016630198},{"intent":"Calculate maximum contribution","confidence_score":0.0003107486}]},{"text":"There's But concessional caps for how much you can contribute.","start_word":5324,"end_word":5333,"intents":[{"intent":"Explain concessional caps","confidence_score":0.005900974}]},{"text":"I would do it monthly. Yep. They take So it out every fortnight. yep. They calculate it every fortnight. So that the 5% comes out every fortnight, and the 12% gets calculated monthly on the gross income I earn monthly, and then they just put it on that second or third pay slip, how much they contributed to my super fund for the month. Okay.","start_word":5352,"end_word":5416,"intents":[{"intent":"Calculate monthly payments","confidence_score":0.11269067},{"intent":"Calculate monthly contributions","confidence_score":0.06704285}]},{"text":"And then if you did breach the 30,000, what happens is you basically just have to pay more tax because the concessional and the accounts for that 15% tax in super for 30,000. After that, you get slapped with an additional tax because they don't want everyone dumping all their money into superannuation, Mhmm. if that makes sense. Yeah.","start_word":5584,"end_word":5642,"intents":[{"intent":"Discuss tax implications","confidence_score":0.021479344}]},{"text":"I must admit I don't even have my balance with HUB at the moment. Yeah. I can let you know your Mhmm. balance there currently. So at the moment, it's sitting around a $139,670. Alright.","start_word":5786,"end_word":5820,"intents":[{"intent":"Provide information about current balance","confidence_score":0.00030128978}]},{"text":"So just when you do ring, if I don't answer, just leave a message, Yeah. and We might I'll call just send you an email even. And if you just yeah. respond to the email, that'd be more Yeah. than fine as well. Yeah.","start_word":5948,"end_word":5991,"intents":[{"intent":"Inquire about upcoming meetings","confidence_score":0.000052014773}]}]},"sentiments":{"segments":[{"text":"Hello. Welcome, speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.20292264223098755},{"text":"Good afternoon, Allison.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.4676554799079895},{"text":"It's Carl calling from OPU Financial. How are you today?","start_word":6,"end_word":15,"sentiment":"neutral","sentiment_score":0.3078061640262604},{"text":"Good. Thank you. That's good to hear. I just scheduled in for a bit of a follow-up if now is still a good time for you. Yes. Brilliant.","start_word":16,"end_word":43,"sentiment":"positive","sentiment_score":0.5530135035514832},{"text":"If I could just pass you through security just with that name, date of birth, and current address, we'll get stuck into that one. Okay. Allison Down Lane. 6 To The 1st 69. 16 Chetham Drive, Cowan.","start_word":44,"end_word":80,"sentiment":"neutral","sentiment_score":0.15899021923542023},{"text":"Perfect. Thank you for that one there, Allison.","start_word":81,"end_word":88,"sentiment":"positive","sentiment_score":0.6210963129997253},{"text":"Now the reason I had you booked in there was mainly due to, obviously, having your retained account. I know you were sorta just waiting on the results of, like, your roster and how much you'd be working and things before looking at doing a potential rollover or just revisiting your retention strategy. Is that correct? I did my key zippers information to you to to to take it from whatever is over 10,000 to take it over to roll over into Hub 20 yeah. Hub 24. Yeah. So with that one there, I just had it here that it was to to reach out in the new year regarding that one just because you didn't have your your roster or when you'd be free for a call to have a discussion around it. So you you sent through your your statement. When was that about? Sorry. I'll just see if it's the most recent Yeah. one I'm looking. Yeah, I've just sent it. I had it sent to me on the December 13, I think it was. Yep. And have you forwarded that through to us at all? Yes. I have. Just see if I can see that one. And was that the info for you financial, was it? Sorry. Yeah. It has all the the balance and everything on it. What insurance is the insurance is on it and everything. Yes, And sir. that Just because we've been through a system change, I'm just trying to find the actual well, I only document sent it that the other day, and the and the person I talked to last week was said that they would they received it. They opened it up and we said they received it. Yep. Let me just So as I said, there's been a bit of a system change. I'm just trying to make sure I've got the right one. Yeah. And I'll do the 12/15/2025.","start_word":89,"end_word":410,"sentiment":"neutral","sentiment_score":-0.005493748591784735},{"text":"Perfect. Brilliant.","start_word":411,"end_word":412,"sentiment":"positive","sentiment_score":0.7781966924667358},{"text":"And, yeah, it has 35,000 there. Now in regards to that one there, Allison, now, obviously, you've been doing just the retention review, the 10 over $10,000. Now with that one, just because it has been a few years there as well, generally, we would like to review it just in general in terms of making sure it's still appropriate. Your investment is still up to date. Now within regards to your portfolio there too, Allison, there is one asset within the active portion of that fund that hasn't been performing too well and then in recent years has not performed the best as a whole either for the price you pay for a managed account. So we were looking at potentially removing that and substitute for a different investment moving forward, Okay. which we would have to provide in the advice document there as well. Now if you're you're comfortable, obviously, we'll just put together the advice piece. We wouldn't be doing the rollover just this yet. We'd be using that statement there. We'd put the advice piece together based on that. And if you're happy with everything else and how everything else is tracking, then we can just look at doing just an investment update of that retention review. Okay. Or if you is there anything else that you want addressed? We can have a look at that as The thing is is is seems to be going well. alright as far as I'm concerned. Yep. I have changed positions within my workplace as well. Yep. And because it's with Queensland Health employment, if you're a permanent employee, you have need to make a 5% contribution to super, and that that Yeah. comes out of my my gross wages. And it has been and I've that's only been around 60 or $70 for the last couple of years. But with my new position, it's it's jumped up to about a 140 a $160 a fortnight at the moment. But I'm also just thinking about I've only got, like, roughly ten years left. Yep. And I'm thinking about seeing if I can up that 5% to seven and a half percent and see how it goes for the next year with that, and then and then maybe increase it to 10%.","start_word":413,"end_word":794,"sentiment":"neutral","sentiment_score":0.04153795479869967},{"text":"I don't know if that's feasible yet.","start_word":795,"end_word":801,"sentiment":"negative","sentiment_score":-0.3473183810710907},{"text":"I don't know how if I'm allowed to increase it or not. In I terms should of be your able salary to. sacrifice, yeah, it is up to payroll at the end of the day. So with in regards to your employer, do you get the 12% and then plus the 5% that you're contributing extra at the moment? Yes. So it's like 17% total. Yeah. Yep. We can show you in that document what it looks like going up to the 7.5%. Obviously, with that as So I well worked it out. I worked it out for seven and a half percent on what my current roughly, my current gross amount is because I'm now full time work. I'm not part time anymore. Yep. Okay. Yep. And then and I would the the seven the seven and a half percent would bump it up to about 200 to $230 a fortnight depending on what type of shifts I work. Yep. Because with that one there as well, because I know you do have the personal loan still that you're looking to pay down and the car there as well now Yeah. would But increase we've only got two I only got eighteen months left on the personal loan and three years on the car loan.","start_word":802,"end_word":1017,"sentiment":"neutral","sentiment_score":0.08295363932847977},{"text":"And then and we're doing really good with that.","start_word":1018,"end_word":1026,"sentiment":"positive","sentiment_score":0.6611712574958801},{"text":"And it's I'm sort of thinking not don't have to pay it out any sooner. Yep. And you'd be, I like, still able to don't make those repayments if you did increase that? yeah. Because my wife is going from getting, like, 1,200 in the hand after tax and that to getting 1,800 to 2,200 in the hand depending on what is the work. Yep. And do you know roughly as an annual amount if you sort of average out the weeks you work and how many hours And then what I'm that going from around 47,000 or $49,000 a year to 70 to 75,000 a yep. And how many hours is that roughly on a weekly basis with year. that? So on a weekly basis, that's thirty three and a half hours.","start_word":1027,"end_word":1159,"sentiment":"neutral","sentiment_score":0.07100468819358743},{"text":"Perfect.","start_word":1160,"end_word":1160,"sentiment":"positive","sentiment_score":0.45937544107437134},{"text":"And then, obviously, you'd like to just get the penalty hours and things like that for Yes. different Yes. hours? So Yeah. my base my base growth for this if I did Monday to Friday and only morning shifts on that would be 2,500 gross on Four that. nightly. Yeah. On that. And that the and at the moment, I'm averaging around 27 to actually the week when I finish the fortnight this week, I'll earn a 3,300 for the fortnight Yep. So because I've worked So a to couple bump of the weekends. a $60,000 salary up to, like, the 75 with the additional penalty rates and things like that? Yep. Yep. It's Yep. it's yeah. So my wife just has jumped. I know. We're still wrapping our head around that Yep. And then, and wrapping around work working full time again. yeah. And with the personal loan, if you don't mind me asking, how much debt value is left on that one at the moment? 15,000. Yep. Okay. Perfect. And then the car loan sitting around the 30 mark? Yeah. I think so. Something like that Yep. or even maybe even a bit less on that. Because we don't get a statement from it Yeah. Yeah. on You're that. just sort But of there's paying it a seven off. year car loan and that and we've only got three years left. Yep.","start_word":1161,"end_word":1394,"sentiment":"neutral","sentiment_score":0.016662312671542168},{"text":"Brilliant.","start_word":1395,"end_word":1395,"sentiment":"positive","sentiment_score":0.5085403919219971},{"text":"And then as far as your role, are you still considered an assistant nurse? Are you full time, Yes. like, nurse You assistant know, I'm nurse? an assistant Yeah? nurse, but, yeah, I'm just I've just moved departments on So that, you're no longer in the aged care section? and I am in the way. I I'm just aged care at the hospital. I work in the the area geriatric ward Yep. and that which are acute acute care. So these people are minimum age of 70 years and over on that, and we're just working in the acute world where I'm assisting the the registered staff to with cares and monitoring their health. Yep. No worries. I'll just update that. Brent, and then as far as the the goals that you're still working towards, I know you're sort of just looking at sort of paying down the debts as the main thing before, like, you were looking to retire and then saving up a little bit to be able to spend some time with the the family and do a bit of travel around Australia. Is that sort of still the main thing? Yeah. We still can't go anywhere because we still got our mother-in-law who's, you know, in her middle nineties now Yep. on that. So we're looking at that she's probably going to make a 100 now, Yep. and we don't wanna go too far away from her because just in case she needs us on that. But with I'm my husband and we sat down and talked with we wanna sit we're not going to I'm get I can retire at 67. And he said that he will work over over he's 67 until I reach retirement age. And it said that we retire together. Yep. Okay. I went so we're looking at ten years now, and then and I probably won't retire straight at 67. I will retire after my 60 birthday. Yep. Because if I stay with this company, I'll be twenty years three months after my 60 birthday on Yep. it.","start_word":1396,"end_word":1743,"sentiment":"neutral","sentiment_score":0.03434361224116265},{"text":"So I just wanna stay there and to to achieve that milestone, I think, which is I think it's a good milestone.","start_word":1744,"end_word":1765,"sentiment":"positive","sentiment_score":0.5723747611045837},{"text":"Yeah. And I it it is. And then you you might get additional long service leave for being Oh, there yeah. for an extra yeah. Yep. So I've got the ten years this March. And that and even though I started getting partial long service leave on my seventh year, there's a bonus if you actually achieve it to when you reach the actual tenth year the date on the tenth year. They give us a bonus Right. hours.","start_word":1766,"end_word":1844,"sentiment":"neutral","sentiment_score":0.20727732381488703},{"text":"Perfect.","start_word":1845,"end_word":1845,"sentiment":"positive","sentiment_score":0.4619108438491822},{"text":"And then when it comes down to your investment, as I said, it's just sort of more that we've identified that we wanna look at removing those investments. One, due to the fact that it it is no longer available sort of in a a few years as Mhmm. they they are phasing it out. Yep. And then within regards to the the Ben Long, it is an active portion within the fund, and it is an actively managed to try and outperform that market. Now there is an option to replace it with an active alternative or given that you are sort of, you know, approaching 60 where you potentially look at potentially maybe making some withdrawals, whether or not be for fully retiring, but for other expenses if you do take a holiday, things like that as well. Would you look be more comfortable with a passive investment option that is a little bit more, like, cheaper that just tracks the index, or do you still want an active portion to be able to outperform the market potentially for a smaller portion of your portfolio? I'm not sure because I I should have it in a balance which this you know, because I'm very not Conservative? yeah. I'm very conservative with the share market. I I have seen so many and I've had a couple of family members lose a lot on the share market. So therefore, I'm I'm not because my father my my own father had to work till 75 because he lost so much in the the early two thousand The crash. GFC 2008 there? Yep. And then Yep.","start_word":1846,"end_word":2119,"sentiment":"neutral","sentiment_score":-0.03447818011045456},{"text":"he lost nearly half his super. And Yeah. that's how it was devastating blow for him.","start_word":2120,"end_word":2135,"sentiment":"negative","sentiment_score":-0.5256490111351013},{"text":"Yeah.","start_word":2136,"end_word":2136,"sentiment":"neutral","sentiment_score":-0.25636017322540283},{"text":"No. Completely understandable. It's what happened to a lot of people, unfortunately.","start_word":2137,"end_word":2148,"sentiment":"negative","sentiment_score":-0.4170920252799988},{"text":"So with that one there, you are in a balanced growth portfolio. And then with that, you still have an active portion within that even though that you're sort of around that sixty forty sort of split in terms of, Mhmm. like, growth assets to defensive assets. You're still aim to get a little bit of growth out of your super while not sort of putting too much at the risk of the markets. Now in relation to that one, obviously, we can look to potentially do, like, a full update of your portfolio and then use the the losses of that Ben Long to offset any capital gains to potentially look at just updating as a whole moving forward given your time on board. Mhmm. Or we can just look to update those few ones that I spoke about there because, like, your heavy metals have been going quite well, your gold and your silver, and then the battery and the fintech's also done quite well. It's just in regards to techs taking a little bit of a dip, and then at the start of this year with that been a long fund given that it had an asset in the end of last year that was announced they weren't reporting correctly, which means that they lost a bit of consumer confidence in not only the fund, but also, yeah, the managers themselves and their ability to to move forward, if that makes Yeah. sense. It's probably best to pull out of there. Yeah. Not now. So we can What look to do oh, sorry. yep. No. You're alright. Yeah. We can look to do just a more passive approach within line of that balance growth. Now it wouldn't mean that you're sort of losing any sort of asset to the growth to be able to still get those potential returns. It just means that you wouldn't be actively trying to outperform the market, and it's actually a little bit cheaper in terms of, like, ongoing investment costs as well. Yeah.","start_word":2149,"end_word":2490,"sentiment":"neutral","sentiment_score":0.1459634155035019},{"text":"And that's why I've also you know, I'm I'm thinking ahead of these last ten years that if I can put a little bit extra into my super, you know, and we can, you know, still live comfortably on a day to day basis and pay our bills and and just boost my super up a little bit quicker.","start_word":2491,"end_word":2549,"sentiment":"positive","sentiment_score":0.4673011898994446},{"text":"If you if you if you understand what I'm saying. Yeah. No. A 100% we yeah. I completely understand. And when you hit 60 as well, there's actually strategies we can do to utilize your eligibility to potentially make drawdowns because you can draw down from your super and not not form part of, like, your your taxable income there because you've already drawn it down from, like, a pension, and it can do up to 10% per annum, and then you can contribute from your wages into superannuation. So what you're basically doing is you're paying tax at the super rate of 15% instead of at the the rate that is your marginal tax rate. And it actually Mhmm. works out that you help contribute a bit more to your super after the age of 60 because you're paying a little bit less in those taxes to be able to bolster it up a little bit for those years that you are working after the age of 60, if that makes sense. Yeah. Yeah. But in saying that now, you're still getting the benefits of being taxed at that 15% and putting more into your super for that bit of growth over the next sort of ten year period as well, even though you can't do that transition to retirement strategy just yet. No. I've been talking talking about my husband. He was and then one of one of the gentlemen who was talking to him was saying that now that he's over 60, he should be able to put so much of his wage into super and then withdraw it out after so that he's still getting the same amount of money in income Yeah. The same for take home pay. Yeah. Exactly. That's what those strategies look towards. So, yeah, very, very similar in what that was sort of the. Yeah. yeah, in regards to that.","start_word":2550,"end_word":2868,"sentiment":"neutral","sentiment_score":0.1703624427318573},{"text":"Well, I because I think I've just convinced him that he should be paying coaching his boss about putting 5% of his income into super. Yes. So if he did wanna sort of look at doing one of those transition to retirement strategies, feel free to have him reach out to us there, and we can sort of have that conversation about about that and what that sort of looks like and what you can do to to help sort of grow that towards your retirement.","start_word":2869,"end_word":2954,"sentiment":"positive","sentiment_score":0.5551920533180237},{"text":"Yeah. Does that make sense? I know. Because he's fully with Hub twenty four. He doesn't have to have another super with his company, whereas Yep. I do because I'm Queensland Health. Yeah. It it's not to say that you you can't have, like, the singular one, but in saying that in regards to you can't you do sort of get some benefits to having it with your your employer as well. And I believe it was even me that spoke with your partner previously about those transition to retirement strategies. So we could revisit that if you'd wanna sort of go down Yeah. that I want route and him look to at do I want him to do that because down there and yeah. Like I said, we've got we're looking at ten years. We don't wanna work too much longer over our 67 mark. It's Yep. not that, you know, we we can't work. It's just that, you know, we've we've we've done the the tough trials of that, and now we just wanna take it a little bit easier once we get to that to that age. Yeah. And even and then if you sort of still felt like you did need to work, you can sort of utilize your super a little bit as well. It's sort of the Centrelink entitlements once you hit that 67 to, like, not have to work as much and sort of still be able to draw down some form of income from either Centrelink or your superannuation there as well after that 67, but you can also utilize that in that after the age of 60 mark as well. Yeah. Because our kids are all settled. They're all married now, and so we don't have any dependents on that Yeah. as such. We've just got our parents. You know? And then he's got his mother. He's still alive. His father's gone. And I've got my parents still alive. And that but they're they're only they're only 78, 79 years of age. And that and they're still fighting fit at the moment. Yeah.","start_word":2955,"end_word":3306,"sentiment":"neutral","sentiment_score":0.11691803275607526},{"text":"Well, that that's good to hear as well.","start_word":3307,"end_word":3314,"sentiment":"positive","sentiment_score":0.3765891492366791},{"text":"But, yeah, like you said, you've done But the anything can the happen. hard yards now. Yeah. Now so you're looking to sort of make sure you're getting something for your retirement there at the end of the day as well. Yeah. I don't because we see live so far away from my own family because I'm all from all from New South Wales, and we live at the top of Queensland. North Yeah. of Queensland. You know, it's a two day to three day drive to get to to any room. Yeah. So you sort of want that that time to be able to do that sort of. Yeah. Yeah. Yeah. Well, we've had last Christmas off there. We haven't spent Christmas with the family. So we haven't spent any time with them for ten years. Yeah. That's Yeah. good. It definitely gets hard, especially when you're busy with work trying to see, you know, grandkids and things like that. Yeah. But now that I was off well, I was offered this full time job, so it was an opportunity I just couldn't pass up. So Yeah.","start_word":3315,"end_word":3502,"sentiment":"neutral","sentiment_score":-0.07304798811674118},{"text":"And it it seems like it's working quite well for you and your sort of lifestyle and everything as well at the moment at least, which is good.","start_word":3503,"end_word":3530,"sentiment":"positive","sentiment_score":0.4981129765510559},{"text":"oh, yeah. And then it's it's it was it was tough for the first two months of settling in and going full time, working four to five days a week. But, yeah, it's a salad in there.","start_word":3531,"end_word":3567,"sentiment":"neutral","sentiment_score":-0.12817434966564178},{"text":"Perfect.","start_word":3568,"end_word":3568,"sentiment":"positive","sentiment_score":0.5067906975746155},{"text":"And I will do a quick risk profile just because we are potentially looking at or are looking at look updating those investments, Allison. So in regards to investing, have you had direct shares prior or anything like that? Yep. No. No. I've never had shoes before. My family my other family members, my parents, when I've had I've never had shoes. Yep. And you said in regards to risk, you're still quite conservative in relation to, like, the cost of living and the rising prices. Are you still willing to take on sort of a moderate amount of risk to try and outpace that inflation and get a return out of your superannuation? I'm very moderate. Yep. And I'm really not a risk taker at all. No problem. And much like sort of COVID period where your super did take a a dip there and it went back like 20% there, would you be quite concerned? Would that make you wanna sorta shift out of, like, investing and be more, like, defensive, or would you just hold and wait, you know, given that you've got the time still working life behind you to recover those sort of dips in the market? Or how do you think you'd Yeah. feel about I think that?","start_word":3569,"end_word":3782,"sentiment":"neutral","sentiment_score":0.02345192425440405},{"text":"I'd like to keep it as it is, see how it goes.","start_word":3783,"end_word":3794,"sentiment":"positive","sentiment_score":0.3878529667854309},{"text":"I mean, once I reach that 60 mark and see how, you know, we've paid things off and and then just see how the market's all going there. Yep.","start_word":3795,"end_word":3823,"sentiment":"neutral","sentiment_score":0.2520134747028351},{"text":"Not a problem.","start_word":3824,"end_word":3826,"sentiment":"positive","sentiment_score":0.3863578140735626},{"text":"I know. I know.","start_word":3827,"end_word":3830,"sentiment":"neutral","sentiment_score":0.2890683710575104},{"text":"Give us a even us ourselves this couple of years of of a full time job and seeing how we're going.","start_word":3831,"end_word":3851,"sentiment":"positive","sentiment_score":0.3891493976116181},{"text":"Yeah. Having that no major incidents has have have occurred.","start_word":3852,"end_word":3861,"sentiment":"neutral","sentiment_score":0.21450485289096832},{"text":"Yep. And then as far as, like, an expected return that you'd be hoping to get year on year out of your more conservative portfolio, if you're getting sort of 4% to 6% per annum on that more defensive investment, you'd be happy?","start_word":3862,"end_word":3904,"sentiment":"positive","sentiment_score":0.4334554970264435},{"text":"Or Yeah.","start_word":3905,"end_word":3906,"sentiment":"neutral","sentiment_score":0.33136221766471863},{"text":"I think I got that I got a lot more than that last year.","start_word":3907,"end_word":3920,"sentiment":"positive","sentiment_score":0.4840579032897949},{"text":"So yeah. At the moment, it came up quite obviously, you'd suffered a bit of the COVID dip and it has sort of recovered from that and so it did dip towards the end of last year, but I think it's, like, a twelve month return. It's sitting in around 11% as because a I noticed return. that the q c for one was around the seven seven and a half percent. Yep.","start_word":3921,"end_word":3993,"sentiment":"neutral","sentiment_score":-0.008535243009459483},{"text":"So if you're getting sort of six to eight, you'd be sort of happy if you were getting that out of your superannuation. Yeah. As long as I'm still getting a positive, that is what I'm I'm looking at. Yep. I'm happy with. Perfect. So it does bring you out as a moderate investor, which is, like, in line with being in that sort of sixtyforty split of, like, growth to defensive assets.","start_word":3994,"end_word":4066,"sentiment":"positive","sentiment_score":0.4700638353824615},{"text":"Now Yep. as I said, we will have a look at just updating the portfolio and reviewing your retention strategy there as well. Obviously, with you still working and you've still got a few debts there, you may wanna sort of still hold on to those insurances just for, you know, another couple years at least until you potentially have access to your superannuation. Because then after that, obviously, after the age of 60, you could look to potentially draw down some of that if you were unable to sort of work and things like that without having to be totally permanently disabled, those sort of things. Yeah. But currently, K. yeah, you've got that life and and TPD insurance held within that q super, which has been retained there for that purpose. I'm gonna keep them while I'm working. Yeah. Yep. Any you're still happy with retaining those in the retention strategy and, like, from your previous advice pieces? Yes. Yeah. Perfect. Not a problem at all. Obviously, we could look at reviewing and sort of looking at some sort of, like, retail cover, but given as you get older, retail cover gets quite a bit more expensive. Mhmm. It may sort of be worth just holding on to those if you're sort of happy holding on to those.","start_word":4067,"end_word":4286,"sentiment":"neutral","sentiment_score":0.008937720548022877},{"text":"Obviously, you don't have income protection or trauma insurance currently, but they would come at sort of a a much higher cost than the insurance cost you're paying for your life and total permanent disability, if that makes sense.","start_word":4287,"end_word":4325,"sentiment":"negative","sentiment_score":-0.38045382499694824},{"text":"Yeah. Any are you comfortable with that? Is that something you did wanna have a look into? Or No.","start_word":4326,"end_word":4344,"sentiment":"neutral","sentiment_score":0.11115723848342896},{"text":"Not I I mean, I don't think yeah. Life insurance is is something I need it.","start_word":4345,"end_word":4360,"sentiment":"negative","sentiment_score":-0.3804168701171875},{"text":"And then alright. And I mean, I mean, I don't a lot of people say, oh, that's terrible. But I've got permanent disability and death cover with work Yep.","start_word":4361,"end_word":4389,"sentiment":"neutral","sentiment_score":-0.3011694550514221},{"text":"and that, and I think that's where my biggest risk of an injury is going to be.","start_word":4390,"end_word":4406,"sentiment":"negative","sentiment_score":-0.5456724166870117},{"text":"Yep. And that because we're not we're not daredevils or we don't go and do we don't speed drive funny or anything like that. Yep. I don't know. So, yeah, I just and then my biggest injury would be work, and that's the same as my husband. He drives the Yeah. truck, so therefore, he he's he's covered for work. He's he's he's he's more important than anything else. Yeah. No. Under understandable. It's not like you're you're downhill mountain biking on the on the weekend, so completely No. understand. Yeah. And then maybe when we were in our twenties. Really? No. Not now. I have Not trouble a keeping problem. up with the grandkids. Yeah. Don't worry. My nephews run circles around me as well. In so in regards to the advice piece, then we'll probably just look at reviewing that retention strategy and that rollover amount and just make sure that's still appropriate and then just look at updating those investments there. In relation to your estate planning, I know you don't have a will in place there currently. Now, obviously, these things sort of are important to have, but, generally, they're done like, you know, with lawyers, we can sort of have a discussion around generally how you might split it up and things like that. But, ultimately, I've got an appointment it is a in lot. in the next couple of weeks coming up. Okay. We That actually that's are we are being proactive at the moment.","start_word":4407,"end_word":4657,"sentiment":"neutral","sentiment_score":-0.03317873212564514},{"text":"perfect.","start_word":4658,"end_word":4658,"sentiment":"positive","sentiment_score":0.588946521282196},{"text":"And then we've got I do appointment with the doctors first and that because we're doing our health directives and everything. oh, just the checkups. Yep.","start_word":4659,"end_word":4684,"sentiment":"neutral","sentiment_score":0.21866336464881897},{"text":"And and Perfect.","start_word":4685,"end_word":4687,"sentiment":"positive","sentiment_score":0.3400109112262726},{"text":"and it is a health directive that we've got. Okay. We're updating it because it's the the health All directive the advanced formula. health care yeah. Okay. It's Yep. all changed at the moment, so there's all new forms. And Yeah. that's Okay. why Yep. and that's why we're doing doing all those things first before and we wanna put them all in place. And then and get the kids to agree who's going to be the POAs and everything for us. And do do you kinda set up a power of attorney with that one as well? Yep. Everything's gonna be and that was sat down with our kids at Christmas, and we've done a lot of frank talking with our children. Yep. It it is a little bit morbid. A lot of people don't like to do it, but it is a fact of life even if it's accidental or, Yep. you know, just just old age, things like that. You know, it can come out of anywhere and does help to have those sort of documents in place than to leave the family scrambling, you know, for eighteen months to put everything together and after the fact when it is a time when you'd rather be sort of grieving. Yeah. Yeah. So we've got we've got things in place. We've got our doctors in bookings in the next couple of weeks. And then because then getting into what the doctor does today is quite an advancement Yeah. on that. And because we have to book longer times for these documents to be done. And then and then we're doing the appointment for the wheel after that's finalized.","start_word":4688,"end_word":4967,"sentiment":"neutral","sentiment_score":0.021528951078653335},{"text":"Brian, that's good to to hear.","start_word":4968,"end_word":4973,"sentiment":"positive","sentiment_score":0.6817118525505066},{"text":"So we won't even look at estate planning matters just to like, normally, as reminders, anyway, we put in, like, sort of your beneficiary nominations, reviewing those and the wills and power of attorney. But if you've already sorted that out and got your bookings Mhmm. all sorted, that's not a problem. We'll just look to do that investment update. But is there anything else that you sort of want to address there, Allison, in regards to updating your adviser, or are you happy just to be that investment update? No. That'll be fine.","start_word":4974,"end_word":5067,"sentiment":"neutral","sentiment_score":0.1492796093225479},{"text":"Just doing the investment update would be great.","start_word":5068,"end_word":5075,"sentiment":"positive","sentiment_score":0.5561268329620361},{"text":"And then I'm gonna get in contact with my payroll and and do a discussion with them. And then there's few other things that's just, you know, Yep. giving Yep. Not a problem at all. And as far as, like, your savings per week currently on your current wage, do you know what roughly that might look like as savings per week? we're putting $200 away every week Yep. into our savings card. We've currently got about 700,000. Mhmm. 7,000.","start_word":5076,"end_word":5155,"sentiment":"neutral","sentiment_score":0.08380777388811111},{"text":"Brilliant.","start_word":5156,"end_word":5156,"sentiment":"positive","sentiment_score":0.4139505624771118},{"text":"Just because, obviously, you know, increasing it would obviously affect, like, what you might be taking home at the end of the day there as well. Oh, But we just can show oh, sorry. just we keep them in the electronics because we never know when a washing machine is gonna go. Yeah. That's good to hear that you've got a bit of a rainy day fund there as well. Yeah. So with that and the advice piece, I can show you what the 7.5 looks like, and we can put 5% in the appendix as well to show you the difference. Mhmm. And then from there, you can obviously choose to bump it up with the 7.5 if your payroll is happy to do that or keeping it at the five. You can see what that sort of looks like just as a breakdown there as well. I think, like, there would be a limit of how much I can contribute to my super or not. There's But concessional caps for how much you can contribute. Do you know if they pay contributions based on your total salary or just the base income amount? I would do it monthly. Yep. They take So it out every fortnight. yep. They calculate it every fortnight. So that the 5% comes out every fortnight, and the 12% gets calculated monthly on the gross income I earn monthly, and then they just put it on that second or third pay slip, how much they contributed to my super fund for the month. Okay.","start_word":5157,"end_word":5416,"sentiment":"neutral","sentiment_score":0.0939073418195431},{"text":"Perfect.","start_word":5417,"end_word":5417,"sentiment":"positive","sentiment_score":0.5004380941390991},{"text":"And then so with that one, there are, like, limits on how many con like, amount of concessional contributions you can make to superannuation. Now with that currently there so based on $75,000 per annum sort of thing, you're looking at, like, based on the 12%, it would be, like, 9,000, but, obviously, you're doing more than that now. It's based on, like, 17%. So you'd be doing around, like, sort of 12,750 in terms of, like, employer pay contributions. And then from there, if you're doing the max amount so if you were getting $2.30 per fortnight for twenty six weeks, which might be a little bit less, you're probably not working fifty two weeks of the year, it would be, like, a maximum of 6,000. So as long as you're not exceeding that concessional cap of 30,000, it's you're not breaching any rules. It's just obviously up to your employer if they're happy to do the salary sacrifice there for you. Okay. Yeah. Yep. And then if you did breach the 30,000, what happens is you basically just have to pay more tax because the concessional and the accounts for that 15% tax in super for 30,000.","start_word":5418,"end_word":5616,"sentiment":"neutral","sentiment_score":-0.007460718974471092},{"text":"After that, you get slapped with an additional tax because they don't want everyone dumping all their money into superannuation, Mhmm.","start_word":5617,"end_word":5637,"sentiment":"negative","sentiment_score":-0.3727424144744873},{"text":"if that makes sense. Yeah. I knew there was a a limit, but I wasn't I didn't think I would be earning enough to get to that limit anyway. No. So even if we you were, like, getting 17% on 75,000 plus your your contributions there, you'd still be sort of well under the actual cap there. I sort of I sort of sort of worked out that, you know, over the next ten years, I'll be putting in roughly a 140,000 at the 7 and a half thousand seven and a half percent, I should say, was my my cap calculations. Yeah. Plus Yeah.","start_word":5638,"end_word":5742,"sentiment":"neutral","sentiment_score":-0.07100928415145193},{"text":"you gotta take into account, like, yeah, your your growth as well and what you're you're getting out of that each year.","start_word":5743,"end_word":5764,"sentiment":"positive","sentiment_score":0.5121903419494629},{"text":"And then also if your income like CPI is up throughout that time as well, what that looks like. Alright. Yeah. I must admit I don't even have my balance with HUB at the moment. Yeah. I can let you know your Mhmm. balance there currently. So at the moment, it's sitting around a $139,670. Alright. And then I've got the well, the Yeah. 15 And then you thousand you going over to it. Yeah. yeah. Yeah. Plus your q super balance there as well. Yeah. But, yeah, obviously, we'll base it off those fees. We might have to call you just to get an updated fee for the the s like, the SOA. So we'll use this statement for the research. But just to make sure that the statement advice is more accurate, we might give you a quick call just to get an actual balance that's more current for when we actually put the finalized document together Okay. just to make sure that the the figures line up with the what would be rolled over and what's the recommendations as well. So just when you do ring, if I don't answer, just leave a message, Yeah. and We might I'll call just send you an email even. And if you just yeah. respond to the email, that'd be more Yeah.","start_word":5765,"end_word":5986,"sentiment":"neutral","sentiment_score":0.09299104660749435},{"text":"than fine as well.","start_word":5987,"end_word":5990,"sentiment":"positive","sentiment_score":0.373689204454422},{"text":"Yeah. Do that because at at the moment, I only got a roster up until the March 15. Yep. All over the shop. And that's I don't know anything I don't know what my schedule is until after this till Monday. May I bring out Yeah. No. Completely understand. a Yeah. So new same with the booking too. If we don't get ahold of you, we'll just shoot you an email to get you booked back in to have a discussion around that. But do you have any other questions for me there, roster? Allison, Yep. in regards No. to No. It's an extension perfect. If anything does come up in the meantime, feel free one. to always reach out and touch base. The team will obviously get you in touch with me, but we'll just start that. It is quite straightforward in terms of what the advice is. Like you said, normally, it just gets rolled over, but just given that the time, we'll we'll just review those investments in addition to the rollover retention strategy as well.","start_word":5991,"end_word":6169,"sentiment":"neutral","sentiment_score":0.10383605307706908},{"text":"That sounds good. No problem. Well, thanks for your time today, Allison. I'll let you get back to your afternoon.","start_word":6170,"end_word":6189,"sentiment":"positive","sentiment_score":0.6134049892425537},{"text":"Stop taking up your time, and I'll talk soon, I'm sure.","start_word":6190,"end_word":6200,"sentiment":"neutral","sentiment_score":0.17064432799816132},{"text":"Okay. Thank you. Thanks. Bye now.","start_word":6201,"end_word":6206,"sentiment":"positive","sentiment_score":0.5114270448684692},{"text":"Bye.","start_word":6207,"end_word":6207,"sentiment":"neutral","sentiment_score":0.25978490710258484}],"average":{"sentiment":"neutral","sentiment_score":0.07653580457220652}}}}