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I had you booked in for a bit of a a quick catch up today in relation to your TBD claim and helping you out with that at the moment. Is now still a good time? Yeah. Fantastic. How's your morning been so far? Yes. Wow. Wow. Is she in labor now? Wow. Is now still okay for a conversation? Because if you need to focus on other things, that's understandable. It's okay. Okay. Yep. Absolutely. Well, look, if this a call comes in and something, you know, comes through and you need me to stop, please let me know because that is absolutely so important. Oh, good. Do you know do you know what she's having? Oh, that's beautiful. Well, congratulations once that's all done. Oh my gosh. Is this your first grandchild? Oh, this is special. Yeah. Yeah. Oh, absolutely. All good. Well, I was trying not to take up too much of your time, but I just wanted to sort of go through and do a bit of a review of things with you, look at what we can definitely do to help. I have done some really in-depth research with Aware, so I understand what's happening on that side of things for you. And we just need to work out whether, you know, how we get some funds out for you and, obviously, what what sort of advice we need to help you with moving forward now. Okay? All good. Now before I jump into the call completely, I do have to let you know we do record our calls moving forward. Are you comfortable with me doing that? Beautiful. And now just for security, I'm about to discuss your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yeah. Beautiful. Thank you so much for that. Now I can see so I did actually get through to Aware. Thank you for doing the TCA for us and having all that on file. I spoke to them last night. Was able to get some full research completed there. I can see your current balance there. I can also see with your workers' compensation claim, you are also receiving contributions if you're aware, which is fantastic. It's really good to see that that's still going in. Not not all states do contributions for workers' compensation claims. So the fact that you're getting contributions is a really good thing. Do you know with the workers' compensation, now that you have been able to claim on TBD, have you had any kind of update with the compensation lawyers and where this might be going? Will you be staying on this, or have they sort of mentioned anything about a payout? Or Okay. No. Correct. Yeah. Okay. That's that's okay. Do you have any do do you have your solicitor to sort of try to help you with that at the moment, or is that something that's just on hold? You're just gonna keep receiving those regular payments until '67 at this point? Or Mhmm. Mhmm. Okay. Yep. Okay. Yeah. Absolutely. Yep. Yes. Yep. Yep. That's okay. No. No. That's okay. You're not a problem at all. If you need me to stop, just let me know. Your breakfast is important, and you got a lot happening today, which is also very exciting. Beautiful. So I've just done a lot of research around your circumstances, having a bit of a look, but can't see anywhere where it's kind of noted what the injury was that stopped you from working. Can I just get you to give me just a little bit of detail on what happened? I understand that might be very sensitive. I'm very sorry about that. But just wanted to find out a bit more around the injury that sort of stopped you from working originally. Okay. Yeah. I'm so sorry. No. Yeah. Yep. Yes. Yes. Yeah. Wow. Yeah. I'm so sorry you went through that. That sounds awfully traumatic. Well, hopefully, you know, things do get a little bit better. And with with your, you know, granddaughter coming, hopefully, that sort of makes a little bit of a difference and brightens things up a little bit for you. Yeah. Something to look forward to. No. Well, thank you very much for opening up. I really do appreciate you giving that information. It can be very difficult to sort of relive some of those things. I really appreciate it. I never want you to feel like you get you have to give me more than you're comfortable doing, but just to make sure that I'm working harder for you and make sure that I have as much information as possible. I do sometimes have to ask some very difficult questions, but thank you so much for answering that one for me. Now the good thing is with the workers' compensation claim continuing to the age of 67, that does take you up until age pension eligibility. So when we get to 67, we can always look at, you know, age pension eligibility. I can help you with that along those lines, looking at what you're able to get, how you're able to get it, and how that works for you. With your contribution still going into I'm not a 100% sure whether they will continue. Do you have they mentioned or are you aware if the employer's contributions will continue through to eight sixty seven into your Aware Super, or is that supposed to stop? Continue. Yep. Continue that. Yep. Yep. No. That's fantastic. That's really good because that will definitely make a bit of a difference there. The other thing I was able to have a look at is with your insurances. So you've had your TPD paid out to your super, which is fantastic. When I spoke to Aware, because you did originally have an income protection policy in there, they've noted that there's a current open claim. Are you aware that there's a an income protection claim in progress, or is that something that you've been looking into? Yep. Yes. Yep. Because yeah. Right. Yeah. Because when I spoke to Aware, I spoke to the insurance team and they had a look and they had noted that on the March 30, they had received the information, and the claim had been sent to TAO. So TAO is the underwriter for the Aware insurances, and TAO they said they'd sent everything to TAO, and it was in progress with TAO. I would like to if you're comfortable with us, so we can certainly help you with all this. You're we're your financial advisers, and we can organize an authority to speak to TAL and to liaise with them on your behalf with regards to claim. We just need to get an authority completed to do that. Are you comfortable with us having an authority signed, having that applied to the tower claim so we can kinda help you with that? Yeah. Yeah. You may as well use us while you can. We can do a lot of the hard questions and liaising with the insurer around the claim and helping you out with that. And unlike the lawyers, you don't pay us an additional fee for doing that. Essentially, you're an ongoing client. So, you know, the advice we do provide in relation to all of this and they're helping you with the claims process, all of that is still all part of the fee that you're paying us currently. So there's no additional cost to you for us helping you out this way. Okay? It's okay. It's honestly okay. We're here to help now. We'll make sure we are. The other thing I wanted to sort of find out now, you do owe about 10,000 to the solicitors for the claims process they went through. You need to take that out of super. Is that right? Mhmm. Yep. Mhmm. Yeah. Absolutely. Can I ask how much is the mortgage that you have left on the property? Okay. Yeah. So 100 and 32,000. Mhmm. Yep. How much are you sort of wanting to reduce the loan by? Okay. Yeah. Yeah. Absolutely. Yeah. Yeah. Absolutely. Well, what we can look at doing to help you out is I can update your advice document. We can look at we'll probably have to retain the the two accounts, the Aware and the Hub 24 at the moment because you are getting your contributions into the Aware super. It's best to kind of I don't know if we can change that. I will look into whether we can. But because you also got the income protection claim in progress, if we go forward with that claim and you are able to claim something on the income protection policy, it has become the aware will stay have have to stay open for that purpose. Yes. So we will get the authority. I'll get my my claims department to sort of help us with this one. We'll get the admin team to send an authority. I've got the contact details with Taos, so we'll give them a call and get the authority that needs to be signed. And then we can get that signed from yourself, and then we can apply that. And we can find out a bit more detail about when the claim was submitted, whether it's still ongoing, what's happening with it, what they're waiting on, and how that looks. And then we can also sort of have a look at whether it's worth moving forward with that claim or whether it should might impact your workers' compensation. Because your your workers' compensation, last time we caught up, you were receiving about 80% of your income. Is that still how much you're receiving income wise from workers' compensation? Okay. Because if you are with income protection, you can't normally claim more than 70% of your, pre disability income. So if you are on the workers' compensation and you're getting more than, that 70%, then the income protection claim won't pay, because your workers' compensation is seen as income, essentially. So there is a chance that the income protection claim may not may not be the way forward, that it may be this may not be approved, essentially. And with the amount you're getting from in from the workers' compensation, how much are you receiving on a weekly or fortnightly or monthly basis from them at the moment? Yep. Yep. Yep. Yeah. You did. You did. You did a very good job. You've definitely given me a lot more than most times. That's fantastic. No. That's really good. And I know with your mortgage and your bills expenditure at the moment, is the amount that you're receiving from workers' compensation, is that covering your expenditure? Are you finding that you've got enough to live on, or do you need anything additional in to support that? Yeah. Yeah. Yep. Yep. That's okay. Okay. So no. That's understandable. This we've had a lot going on, and it definitely takes time. Cash flow and budgeting can definitely take time, especially when we've been working, earning a significant income, and then we're off work due to illness or injury and things go wrong, and we're still having the same amount of bills come out, but our income decreases. It can definitely take a bit of a toll. So it's completely understandable. Yeah. Yeah. Yes. Okay. So given your age, so you're 61 this year. So, realistically, because you're over the age of 60 and not working, we can look to supplement the income that you are receiving and start to draw a little bit out of super. I will just do some research to make sure that it's not gonna impact your workers' compensation amounts at all. It shouldn't, because income from super when you're over 60 is completely tax free and is not considered income for the purposes of employment and tax and things like that. Did you want us to maybe look at as part of the advice maybe trying to draw a little bit of income at maybe a lump sum to replenish or give you some extra money, or did you want to sort of maybe draw a regular income out on a fortnightly or weekly basis to sort of support your income needs? Yep. Yep. That's absolutely fine. Okay. Yep. That's okay. Would you like us to do you have a mortgage broker or someone that you can speak to, or would you like us to refer you through to a mortgage broker that might be able to assist and look at what they can do to help you? We did. Yep. Yeah. Okay. Yep. Yep. Yes. Yep. Yep. Yeah. Of course. Yeah. Yep. Yeah. Absolutely. One thing at a time. Just feel free to call me if you have any problems or need any help or, you know, if there's anything that you just wanna to this fact, you just wanna have a chat. I'm here as your adviser to support you. I'm more than happy to talk you through things if I can help, if I can find some information, or if there's anything I can do or refer you to someone, I will absolutely do that for you. We just wanna work in a way that supports you, looks after your super, make sure you're, you know, working towards your goals because even from here, you've still got you know, most people live in those time of years from 60 plus for ten, twenty, thirty, forty odd years. So you still got a lot of longevity ahead of you, and we just wanna make sure we continue to update the advice and are here to help you sort you know, make sure we're looking after your goals moving forward. Okay? That's okay. Perfect. So what would you would you like me to just start with something simple? Did you want to just maybe withdraw some funds out to cover the cost of the solicitor's fees and maybe put some money on the mortgage, or did you just wanna take some money out to get the solicitor's fees completed? What would you like to do as the next step? No. No. So we can honestly draw it out of the Hub twenty 4 account. Your balance in Hub twenty four is a little bit higher than it is in the Aware. So the Aware account at the moment, the current balance with the rundown I have is last balance, $101,009.79 and 7¢. Within hub twenty four, your current balance there is I'm sorry. I'm just going back to my other screen. It is. Yeah. So 309239. So we can actually physically do the withdrawal from hub twenty four. We just need to essentially have a form signed to note that you're no longer working, that you meet the condition of release. So you're not physically working at all and you're over 60, which meets that condition of release, which means you can draw the funds down completely tax free. We can take it out of the aware account if you'd like to. It's just a little bit can be a little bit longer of a process because we've gotta get the form signed central where they sell things down to your bank account can take a little bit longer. Whereas with Hub twenty four, we can physically do all that for you and complete the withdrawal and monitor it a little bit easier. But it's up to you on how you would like to proceed with it. Yep. Yep. Yes. Yes. Yes. Yes. Yeah. Yeah. We yeah. I definitely wanna do that. Yeah. Yeah. Definitely. No. We normally only like to keep about 10,000 in that account, and I do wanna just update the advice to reflect that. I'm also looking at your hub twenty four account, and I've done a bit of a review of the investments in there. And there are some changes we'd like to make. So one of your investments in hub twenty four at the moment is underperforming. So I would like to move that investment out of there and replace it, maybe update your risk profile within Hub twenty four, reevaluate the investments within Aware as well to make sure that everything is in line with your risk capacity, just to make sure you're not taking on too much risk because the markets are still quite up and down. They are volatile. And just look at whether we need to keep a where open anymore or whether it can be closed off, but it all comes down to whether that income protection claim is viable or whether you won't be able to claim the income protection. So we just need to finalize that bit of research with Taos. So sorry. Yeah. Yeah. Yep. Yeah. No. No. Hub yeah. No. Hub twenty four would definitely accept smaller payments. So so long as the workers' compensation claim, the employer contributions can be paid into Hub twenty four, then they absolutely will accept them. There's, yeah, no no issue with that in any way, shape, or form. Yeah. That yeah. Having a look at the last advice document, it was kept because you needed to retain the that you had. It looks like we were unable to get new cover at that time. So Aware was kept open to keep your contributions going in to retain the level of insurances that you had until such time as you don't need them again. So it's really important that we update the advice. We reevaluate your goals and make changes to the investments as well every so often because investments, you know, that might have been good a couple of years ago might not be any you know, might need to alter or might not be any good anymore. We might need to change them. So I'd love to go back and just reevaluate the investments, have a look at the risk level you're taking, see if we can find a better performing portfolio for you, and also look at whether we can consolidate that or whether the Aware needs to stay open for you. Are you comfortable with me doing that for you? Yeah. Yep. No. That's okay. Can I ask you with the claim for workers' compensation, when you were getting those payments put through, did they ask you what Superfund to pay your contributions to, or was that just something they worked out automatically? Yep. Okay. Probably discontinued. Yep. That's okay. I'll do some research to see if we can have those contributions moved into Hub to try to consolidate everything. Because, realistically, if we can move everything from Aware into Hub 24, having everything invested in one place does give you you have more money, makes more money. So it does ultimately provide a greater benefit. But I'll do the research first. I don't wanna do anything that's gonna impact you, and the first part of my research just needs to be around that income protection claim with Cal to see what's happening there, what we can do to help, and whether or not the claim is gonna go through or not. And then we can look at how best to sort of structure things as well for you. Okay? All good. And in the meantime, did you want us to organize a a bit of a withdrawal? We can do it quickly as a transaction without seeking advice, and that's just you directing us to withdraw some money as much as you need to cover any large bills, to pay the solicitors, to sort of give you some funds in the short term to support you a little bit more. Did you want me to organize that as a matter of priority? Yep. Mhmm. Yeah. Yep. Yes. Mhmm. Yep. Yep. Yep. Yep. Absolutely. And did you want us to organize sorry. Yes. Yeah. So it's taking 50. That's 10,000 there and 40. You said you owed a 132. So, yeah, it gives you a little over that under that $100,000 mark. Yeah. Yep. Perfect. And did you want us to organize that withdrawal from Hub twenty four, or would you like us to withdraw it out of the Aware Super? It's completely up to you. We can do either. Hub twenty four, we obviously have more control over. Yep. Yeah. I mean, with the hub twenty four, we can withdraw it out of individual investments to make it a little bit faster, or we can do it pro rata. Pro rata could take a couple of days. We can also request that once we submit the withdrawal because we're withdrawing less than 80% of the balance, that they pay that out before the withdrawals are completed, so it can be a lot faster to do it from hub twenty four. So we could have this withdrawal done. As long as we get everything signed today, we can have this withdrawal processed within, you know, two to three days, essentially. With Aware, it can take them about a week depending on how they draw things down. Yeah. Yep. That's okay. Mhmm. Yeah. Yeah. Absolutely. Yep. Yep. And that's what we'll do as part of the advice. Yeah. Yes. It'll take me to do the research properly, it'll take us about one to two weeks to complete the research before updating the advice for you. So that's why I'm sort of thinking if we withdraw this now quickly, that gets the solicitor's bill sorted for you and give you some money now. And then we can reevaluate everything with the advice and look at how that benefits moving forward. Does that make sense? Yeah. No. That's okay. Yep. Yep. That's okay. Do you wanna give them a call and find out if they're happy for it to be in, you know, a week or so's time, and we just take that money from Aware? Yep. Yeah. Yeah. That's that's absolutely fine. Yeah. That's absolutely fine. No. Well, in all honesty, if they've got a bit of time, if they want the money quicker, Hub twenty four is easier to take it out of. But because realistically with the advice we'd be trying to consolidate Aware into Hub twenty four, it does it is more beneficial to take it out of the industry fund. It's just that it can be a longer process to take money out of the industry fund because they have their set processes that take three to five days to receive and process things and then the withdrawal. They don't like to pay money up before they sell the investments down to to match it. So it can be a little bit longer of a process to do it that way. But if the if the solicitors are happy just to wait another week or so, we can get the form signed as quickly as possible so we can get everything done. It'll be a transaction without advice. It's the quickest way to do the withdrawal for you. It's just us letting you know that we're not providing advice on this. Is the direction that you need the money now, that we're gonna do it as quickly as possible. And it's just about noting that the funds will no longer be invested, that the money can take some time to sell down, and that, you know, you're comfortable not seeking advice on this withdrawal, that you just need these this money now to to pay these bills and to help you upfront. And as long as you're comfortable with that, we can get the forms. We'll get them signed. We'll send everything to Aware, and then we'll follow-up with a phone call saying, hey, guys. This is important. We need this done as quickly as possible, and we'll try to push it through as fast as possible on their end. Does that make sense? Yeah. Yep. Yeah. The other option is if you are really unsure and you just want us to provide that personal advice is we can do the research. We'll need to obviously get the TPA applied to TAO and do the research with them first up. So we can do some research and try to provide the advice. It'll it normally takes us about a week or two. Normally, about two weeks because we have to incorporate the TAO income protection policy into this research. So in about sort of two to three weeks, we could have the advice completely done up for you, which tells you where to withdraw the funds from, what we're gonna do to the investments, and how best to move forward and structure everything to make it better for you. But that's a little bit longer to get personalized advice. We have a quite a bit of research to do, so it will take a little bit longer to do that. So I just sort of wanted to find out what's more preferable to yourself. No. That's okay. You can take you can take some time to have a think about it if you want. You don't have to make the decision right this minute. Do you wanna take some time to have a think about what you'd like to do? Yep. No. That that's okay. That's alright. Do you want me to just have the withdrawal process? I mean, I can just do the withdrawal out of Aware. We just need you to sign the transaction without advice, and that way it gets processed. It's completely tax free to yourself. And the sooner we start it, the easier it will be to have the funds on the mortgage and have the solicitor's bill completely paid and out of the way for you. One less thing to worry about. Does that sound okay? Mhmm. Yep. She is. Yeah. I'll let her know that you'll be calling back to confirm. But, yeah, the the fastest and easiest way to do this while we do the research around the rest of the advice is to get you some money now so you can pay down the mortgage a little bit, have a bit of a buffer there as well, and also cover the solicitor's bill is to do it as a transaction without seeking advice. We'll just get you to sign the document. I'll outline the risks involved. We'll get the withdrawal form sorted as well, and we'll just need to get a bank statement off you that shows your bank account information because Aware will want to know where to pay the funds to, essentially. Yep. So we just need to see a bank statement or get your bank account information, you'll be seeing account number. And we can get those forms done up for you, get them signed nice and quickly, and then we can push that through as fast as possible. And that means you could have that money a little bit quicker, have it in the bank, gives you a buffer, and it pays the solicitor's bill. Does that sound okay? Yep. That way they're not ringing you and going, hey. You owe us this money. Hurry up. And and yep. Yes. Yes. So Aware will have to pay that money into your bank account, and then you can have that transferred across to to the solicitor's account. Okay? Perfect. So I'll do up a TWA for withdrawal. We want 50,000. Is that right? Yep. From Aware Super ASAP. Beautiful. And we will get that document out to you today. Now with the bank statement side of things, is it easier if I maybe get Michelle to give you a call and get the information? Or are you able to send us a copy of your just a bank statement that shows the BSB, the account, and your name? It might do. I'm just double checking your where's rules because some of the s super funds have changed where they might not request the actual statement be provided. I might be able just to get Michelle to give you a call and get the details over the phone, but I just wanna check Aware's rules for you to make it as easy as possible. Let's have a look. Yeah. So it says here they specifically require a copy of your bank statement. Yeah. Copy of your current bank statement. This must show your account balance, Clarisse. No. Sorry. It's hardship claims. For a lump sum withdrawal or changing payment details, you must provide the following, your member number and account, BSB, and proof of identity. Okay. So Certificate driver's license. Sorry. It looks like they actually should not require the bank statement itself. They may just do a phone call to confirm the information with you, but they do want updated ID, which I believe we already have. So I yeah. Did you wanna call the solicitors first and find out when they want the transaction, or would you just like us to organize it from where nice and quickly for you? Yep. Okay. Yep. Absolutely. Absolutely. Absolutely. No. That's perfect. Well, we will get that TWA done. I will get the benefit payment form sorted. I will get Michelle to give you a call and get your bank information for the form. I don't wanna do it on this line because I don't do it on a recorded line. We have to turn the recording off, and I'm gonna be honest with you. I'm not that good at it. So Michelle knows what to do there. So I'll get so I'll get her to give you a call to get your bank account details before the withdrawal form, and we'll make sure that it can be electronically signed. If we have to get it web signed, we'll let you know. We'll do we'll do all the bits we need to make sure we understand what has to happen to make this as quick as possible for you. And just confirming, you just wanna withdraw 50,000. Yep. Perfect. ASAP. Beautiful. We can do that for you. Yeah. Yeah. Isn't she beautiful? She is really, really sweet. Yeah. No. She is really beautiful. So Michelle is gonna be she's my admin now, and she's been learning to do all the implementations and work with the kind of advice that I give, which is a lot around that retirement space, so quite complex advice scenarios. And, yeah, she's really enjoying it. She's a great person. She's just so personable, and she's really, really good to speak to. Yeah. So whenever you need anything from us, we'll make sure Michelle's the one that you get to talk to there. And if you have any questions or concerns, you can ask for me. I work Monday to Thursday, and I work anywhere up until 7PM at night. So I can call you at any time that you need. Okay? Yeah. Beautiful. That's that's okay. Before I let you go, I just wanted to update a few more, just some details here for you just for the advice. Now just sort of goals wise, I know at the moment, you're not sort of needing to draw anything out of super, and that's a half in this 50,000. And that's okay. If anything changes down the track, you're welcome to let me know. But because the workers' compensation claim is expected to go until about the age of 67, do you think that at that time, you'll wanna start drawing an income out of super? Is that sort of where you think your goal might land for that? Yes. Mhmm. Yes. No. Definitely. Yeah. Yeah. Yeah. Yes. Yeah. So plan to downsize. No. No. It's it's yeah. No. It is definitely not enough for anyone to live on. The good thing is I do a lot with the Centrelink space and age pension and assets and income testing and things like that. So we can absolutely look at, you know, what we can do at that point, whether you're eligible, what that means for you, and how you draw down income from Super to supplement that for you. Okay? Beautiful. Okay. And you're looking to, down the track, sell the house and downsize a little bit. Do you know what when you're sort of thinking about doing that, would that be when you fully retire after age 67 or beforehand? Or yep. Perfect. That's okay. And is there any other goals that you're, you know, looking forward to down the track or that you have down the track that you're hoping to achieve? Okay. Yep. Do you wanna keep that building? Yeah. Okay. Yep. Yep. Right. Yeah. Absolutely. Are those shares held in a a company or a trust or anything? In a trust. Okay. Yep. Yes. Yes. Yes. Okay. Yeah. So, sir, you're doing the non transactional ownership of shares. So transferring the contract between trustees without actually buying and selling. Yep. Yep. That's understandable. Perfect. That's all good. All good. So that's something that's gotta be done down the track. Absolutely. And is there anything else that you might be hoping to achieve goal wise? Or it's okay if there's not. No. Yeah. Yeah. That's okay. Yep. That's okay. From the the trust, I'm assuming it's a family trust that you do have there, do you earn any income from that? Do you receive any income from that as a beneficiary? Yep. How much do you sort of averaging income from that on a yearly basis at the moment, or what was the okay. Family trucks. H. Yeah. Beautiful. Excellent. Lovely. And just having a look at any other assets in your own personal name there as well. You've got your house at the moment. Have you had that, or has anyone had that valued for you recently? Do you know sort of what value the house would be at the moment? Yep. Yep. Wow. Yeah. Perfect. That's right. Yeah. That's it. That's it. No. That's okay. I'll put a mill a million on there for you. And other assets I like to sort of consider as well, do you have contents insurance? Yeah. Yep. That's okay. Yep. That's okay. What kind of car do you drive? Beautiful. Beautiful. And if you have to sell that car tomorrow, what do you think you'd want for it? What's the value of TU? That's okay. Did you if you yep. Okay. That's alright. If you like, I've got some access to some material. I can have a look and see what the the rough valuation is on those sorts of vehicles for you. Yeah. Beautiful. And the shares that you have there in the trust, so that's okay. So having a look income wise, when you consider your growth you're receiving from the from the workers' compensation claim plus the 12,000, you're getting roughly on a yearly basis from the trust there as well. So you're earning roughly a bit over 80,000 per year income wise. Understandable. There's a lot of bills in there with mortgage repayments and all the bits and pieces and food and living and no. That that's okay. So money is a bit tight at the moment. You're not really saving anything. Everything that's coming in is sort of going out towards the bills is what you're sort of finding. Yeah. That's okay. All good. Beautiful. Alright. So what we can do oh, I also just wanted to double check your beneficiaries as well just to make sure everything was in line with your wishes. With everything you've had, I know you've got a lot going on, but have you ever drawn up a will, had a power of attorney, drawn up with a solicitor as well? Yep. Yeah. Yep. Yeah. Yeah. Yep. Yep. Correct. Yeah. I've got Jackson and Natasha on both of the aware and the hub 24 for $50.50 each. So you're happy with the way that's structured? Okay. Yeah. Yeah. Mhmm. Yeah. There there is another way to structure your beneficiaries if it's better for you to be able to do that, where if you had it directed to your legal personal representative that in the event of passing, your super is paid to your will, it becomes an estate asset. And then as part of your will, you can direct how much goes to each of your kids that way. Yeah. It's legal personal representative. Yeah. And that just means that if you ticked legal personal representative on your super, if you were to pass away, your super gets paid to your estate with everything else. And then as part of your will, it just gets combined, and then your will, you just have directed what you want to go to where. And that gives you a bit more control around, you know, having that structured. There's with the beneficiaries $50.50 each at the moment, there's nothing wrong with that in any way, shape, or form. It's just you know, if anything happens, they can claim. They get the benefit paid out $50.50. You know, tax might be considered in there as well. But if you wanted it sort of paid out to your estate combined with everything else that you have on your will and then separated as per your wishes, your will does give you a bit more control around how you want things directed. Yeah. Definitely worth having a chat with a solicitor about. Yeah. Yeah. No. That's okay. One thing at a time. And and for the moment, your beneficiaries are here and applied. So if anything happened in the meantime whilst you're getting the will sorted, then everything just you know, the kids can claim $50.50. It's still legitimate as it is at the moment. Yeah. Yeah. You've got a long list of things there. Just do one thing at a time, make it a little bit easier on yourself. Okay. I'll let Michelle know that you'll be calling yeah. I'll let Michelle know that you'll be calling back in and that we need to get the withdraw form from Aware organized as a matter of priority. And I'll do up that TWA, and we'll find we'll get that organized for you today. Okay. That's okay. Not a not a problem at all. I do just have to let you know I'm gonna also get Michelle to send out some annual review docs to you just to continue with our services for the next twelve months. We just get you to sign and return those back to us. I know we would have gone through, obviously, our ongoing service fee each year with you as part of your annual review, but do you understand how our services work, how our ongoing service fee works, and, you know, what you're sort of paying for with regard to that? Yeah. That's okay. I I can go through it with you. It's honestly fine. With our ongoing service agreement, we do charge an ongoing service fee of 1.65%. That is deducted from super. So you don't pay for that out of your back pocket in any way. On a monthly basis, it's a smaller percentage. So the 1.65% fluctuates with the market. Our fee is linked to the performance of the market and your super. And, yeah, you just pay that on a monthly basis, 1.65% over the course of the year, and that's the ongoing service for us to look after your super, make sure we're providing advice, assist ongoing in any additional areas that we might need that you might need at the moment as well. And we just get that signed each year to continue with our services so we can keep looking after everything for you. With your super, I'll just give you a little bit of a rundown on how it's been going as well. So sorry. One of the things that they kinda mentioned, one of your investments has been underperforming a little bit. So I do wanna kind of remove that out and update your portfolio. So I'll go back and research some investment options to make sure things continue to work harder for you. But over the course of the last year, your portfolio has still made a 9.81% return. Yeah. It's still a very good return. So you're in a growth portfolio, which means that we're chasing around about a seven to 9% return on a yearly basis. The 9.81 is above what we're chasing. And some people prefer a dollar figure instead of a percent. So it means that the earnings your portfolio has made over the year is over $33,630. Yeah. Yeah. Yeah. Beautiful. Beautiful. Lovely. Well, in your portfolio, you've probably also seen you hold the Benelong concentrated Australian equities managed fund. That's the one that's been underperforming a little bit. So I'm gonna remove that investment out and replace that with something that's performing a little bit better. We just wanna make sure that you're not don't have underperforming investments and that things are working harder. I can also just reevaluate the whole portfolio. Just make sure that you're invested correctly, maybe rebalanced if you're taking a bit too much risk in the market, and also just make sure that everything's working harder for you. Okay? That's okay. Now the other thing I just have to sort of talk to you about is the way you are invested. So in that growth portfolio, you normally see about 80% of your super invested in growth assets. So thinking things like Australian shares, international shares, and also listed property, and also commodities. There's some gold and silver in there as well for you. That sort of a portfolio does suit someone who is able to stay invested without accessing their money over the next six years. And because you do see 80% in those high growth or high risk investments, like shares and things, we can expect a negative or a big dip sort of one in every five years. Did you want me to maybe look at reducing some of the risk level for you, or are you comfortable staying where you are at the moment? Yep. Yep. That's okay. I just wanna do a quick questionnaire just to see where you might sit on that risk scope there. Now you do earn some individual shares. They are in a trust there, but you have invested, so I can tick that box. And when we're looking at your time horizon, so if we're saying around about age 67 is your time horizon now, it's realistically giving you about a six year time horizon. So we're kind of right on that cost there. So I'll tick the box for you. Now when you think about risk, if risk was a number between one and five, five being very risky, you're a 100% invested in the market, throw it all on black, and one being very safe, not investing, and getting lower returns. How where do you think you might fit on that scale? Picking a number between one and five, what would you sort of how do you think you might fit? Yep. Perfect. Beautiful. And if you saw your investment fall in value, do you think you might wanna put more money in? It could be a buying opportunity. Are you likely to call us and speak to us, or do you think you'd be really cautious in considering selling your investment? How do you think you might react? Yep. Perfect. And the second last one here is looking at the average return where you're looking for on a yearly basis. Are you wanting the highest return you can get on a yearly basis? Are you comfortable with chasing maybe six to 8%, four to six percent, two to 4%? What sort of average rate of return do you think you'd be chasing with your super annual investment? Yeah. That's absolutely fine. Yep. That's honestly fine. And have you ever thought about taking out a loan to invest in shares or managed funds, or have you only ever wanted to borrow for, say, property? Yep. No. That's okay. That's not a problem. So now you have scored in that growth environment there, which is where you're invested in currently. We can look to because you are getting closer to just maybe starting to reduce your risk level slightly. If we maybe move you down by 10% into that balanced growth environment, it drops the growth investments by 10%. So from 80% invested to 70%, and we're just increasing the lower risk defensive investments gradually. This sort of environment suits a five year time horizon to accessing your money. So you could be in that for the next, you know, one to two years depending on how you feel, but it's more just about stepping down gradually instead of a really big jump in the risk scale. Does that feel like something you'd be comfortable doing now, or what's your thoughts? That'd be good? Yes. Beautiful. Well, I will go and look at the balanced growth side of things. I'll re look at all the the two super funds, how you're invested, what we're looking at, looking towards your goal, projecting things out there for you. I will also organize my team to get the authority for TAL, and we'll do some research with them on the claim to income protection to see what's happening, where it's at. As I said, it'll take a couple of weeks to do that. So for the time being, we'll get that withdrawal sorted for you for the 50,000 so you can get some money now to help you out. Okay? Beautiful. Beautiful. Is there anything I might have missed, or is there anything else that you maybe wanted to bring up with me? Or yep. Oh, beautiful. Beautiful. Was it anything comes up, you're welcome to let me know. You did send that email through the other day with those documents, and thank you for doing that. So you do have my email there as well, Kate. So if there's anything that you find you might want to bring up or any additional questions, you're welcome to email me or call myself and Michelle, and we will take time to answer those with you. Okay? Oh, my pleasure. Thank you so much for your time. Have you had any word on this? I haven't had the phone go off. Any word on where your grandbaby is? Nothing? Watching. Yep. All good. Yeah. All good. Well, thank you. I will let you go so you can make that phone call. Good luck today. I'm very excited for you, and we will get this sorted for you quickly. Okay? My pleasure. Thank you for taking my call, Kate. Have a good day. Thanks. 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Kate. It's Zaina from OQ Financial. How are you today? I'm very well. Thank you.\n\nThanks for asking. I had you booked in for a bit of a a quick catch up today in relation to your TBD claim and helping you out with that at the moment. Is now still a good time? Yeah. Fantastic.\n\nHow's your morning been so far? Yes. Wow. Wow. Is she in labor now?\n\nWow. Is now still okay for a conversation? Because if you need to focus on other things, that's understandable. It's okay. Okay.\n\nYep. Absolutely. Well, look, if this a call comes in and something, you know, comes through and you need me to stop, please let me know because that is absolutely so important. Oh, good. Do you know do you know what she's having?\n\nOh, that's beautiful. Well, congratulations once that's all done. Oh my gosh. Is this your first grandchild? Oh, this is special.\n\nYeah. Yeah. Oh, absolutely. All good. Well, I was trying not to take up too much of your time, but I just wanted to sort of go through and do a bit of a review of things with you, look at what we can definitely do to help.\n\nI have done some really in-depth research with Aware, so I understand what's happening on that side of things for you. And we just need to work out whether, you know, how we get some funds out for you and, obviously, what what sort of advice we need to help you with moving forward now. Okay? All good. Now before I jump into the call completely, I do have to let you know we do record our calls moving forward.\n\nAre you comfortable with me doing that? Beautiful. And now just for security, I'm about to discuss your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yeah.\n\nBeautiful. Thank you so much for that. Now I can see so I did actually get through to Aware. Thank you for doing the TCA for us and having all that on file. I spoke to them last night.\n\nWas able to get some full research completed there. I can see your current balance there. I can also see with your workers' compensation claim, you are also receiving contributions if you're aware, which is fantastic. It's really good to see that that's still going in. Not not all states do contributions for workers' compensation claims.\n\nSo the fact that you're getting contributions is a really good thing. Do you know with the workers' compensation, now that you have been able to claim on TBD, have you had any kind of update with the compensation lawyers and where this might be going? Will you be staying on this, or have they sort of mentioned anything about a payout? Or Okay. No.\n\nCorrect. Yeah. Okay. That's that's okay. Do you have any do do you have your solicitor to sort of try to help you with that at the moment, or is that something that's just on hold?\n\nYou're just gonna keep receiving those regular payments until '67 at this point? Or Mhmm. Mhmm. Okay. Yep.\n\nOkay. Yeah. Absolutely. Yep. Yes.\n\nYep. Yep. That's okay. No. No.\n\nThat's okay. You're not a problem at all. If you need me to stop, just let me know. Your breakfast is important, and you got a lot happening today, which is also very exciting. Beautiful.\n\nSo I've just done a lot of research around your circumstances, having a bit of a look, but can't see anywhere where it's kind of noted what the injury was that stopped you from working. Can I just get you to give me just a little bit of detail on what happened? I understand that might be very sensitive. I'm very sorry about that. But just wanted to find out a bit more around the injury that sort of stopped you from working originally.\n\nOkay. Yeah. I'm so sorry. No. Yeah.\n\nYep. Yes. Yes. Yeah. Wow.\n\nYeah. I'm so sorry you went through that. That sounds awfully traumatic. Well, hopefully, you know, things do get a little bit better. And with with your, you know, granddaughter coming, hopefully, that sort of makes a little bit of a difference and brightens things up a little bit for you.\n\nYeah. Something to look forward to. No. Well, thank you very much for opening up. I really do appreciate you giving that information.\n\nIt can be very difficult to sort of relive some of those things. I really appreciate it. I never want you to feel like you get you have to give me more than you're comfortable doing, but just to make sure that I'm working harder for you and make sure that I have as much information as possible. I do sometimes have to ask some very difficult questions, but thank you so much for answering that one for me. Now the good thing is with the workers' compensation claim continuing to the age of 67, that does take you up until age pension eligibility.\n\nSo when we get to 67, we can always look at, you know, age pension eligibility. I can help you with that along those lines, looking at what you're able to get, how you're able to get it, and how that works for you. With your contribution still going into I'm not a 100% sure whether they will continue. Do you have they mentioned or are you aware if the employer's contributions will continue through to eight sixty seven into your Aware Super, or is that supposed to stop? Continue.\n\nYep. Continue that. Yep. Yep. No.\n\nThat's fantastic. That's really good because that will definitely make a bit of a difference there. The other thing I was able to have a look at is with your insurances. So you've had your TPD paid out to your super, which is fantastic. When I spoke to Aware, because you did originally have an income protection policy in there, they've noted that there's a current open claim.\n\nAre you aware that there's a an income protection claim in progress, or is that something that you've been looking into? Yep. Yes. Yep. Because yeah.\n\nRight. Yeah. Because when I spoke to Aware, I spoke to the insurance team and they had a look and they had noted that on the March 30, they had received the information, and the claim had been sent to TAO. So TAO is the underwriter for the Aware insurances, and TAO they said they'd sent everything to TAO, and it was in progress with TAO. I would like to if you're comfortable with us, so we can certainly help you with all this.\n\nYou're we're your financial advisers, and we can organize an authority to speak to TAL and to liaise with them on your behalf with regards to claim. We just need to get an authority completed to do that. Are you comfortable with us having an authority signed, having that applied to the tower claim so we can kinda help you with that? Yeah. Yeah.\n\nYou may as well use us while you can. We can do a lot of the hard questions and liaising with the insurer around the claim and helping you out with that. And unlike the lawyers, you don't pay us an additional fee for doing that. Essentially, you're an ongoing client. So, you know, the advice we do provide in relation to all of this and they're helping you with the claims process, all of that is still all part of the fee that you're paying us currently.\n\nSo there's no additional cost to you for us helping you out this way. Okay? It's okay. It's honestly okay. We're here to help now.\n\nWe'll make sure we are. The other thing I wanted to sort of find out now, you do owe about 10,000 to the solicitors for the claims process they went through. You need to take that out of super. Is that right? Mhmm.\n\nYep. Mhmm. Yeah. Absolutely. Can I ask how much is the mortgage that you have left on the property?\n\nOkay. Yeah. So 100 and 32,000. Mhmm. Yep.\n\nHow much are you sort of wanting to reduce the loan by? Okay. Yeah. Yeah. Absolutely.\n\nYeah. Yeah. Absolutely. Well, what we can look at doing to help you out is I can update your advice document. We can look at we'll probably have to retain the the two accounts, the Aware and the Hub 24 at the moment because you are getting your contributions into the Aware super.\n\nIt's best to kind of I don't know if we can change that. I will look into whether we can. But because you also got the income protection claim in progress, if we go forward with that claim and you are able to claim something on the income protection policy, it has become the aware will stay have have to stay open for that purpose. Yes. So we will get the authority.\n\nI'll get my my claims department to sort of help us with this one. We'll get the admin team to send an authority. I've got the contact details with Taos, so we'll give them a call and get the authority that needs to be signed. And then we can get that signed from yourself, and then we can apply that. And we can find out a bit more detail about when the claim was submitted, whether it's still ongoing, what's happening with it, what they're waiting on, and how that looks.\n\nAnd then we can also sort of have a look at whether it's worth moving forward with that claim or whether it should might impact your workers' compensation. Because your your workers' compensation, last time we caught up, you were receiving about 80% of your income. Is that still how much you're receiving income wise from workers' compensation? Okay. Because if you are with income protection, you can't normally claim more than 70% of your, pre disability income.\n\nSo if you are on the workers' compensation and you're getting more than, that 70%, then the income protection claim won't pay, because your workers' compensation is seen as income, essentially. So there is a chance that the income protection claim may not may not be the way forward, that it may be this may not be approved, essentially. And with the amount you're getting from in from the workers' compensation, how much are you receiving on a weekly or fortnightly or monthly basis from them at the moment? Yep. Yep.\n\nYep. Yeah. You did. You did. You did a very good job.\n\nYou've definitely given me a lot more than most times. That's fantastic. No. That's really good. And I know with your mortgage and your bills expenditure at the moment, is the amount that you're receiving from workers' compensation, is that covering your expenditure?\n\nAre you finding that you've got enough to live on, or do you need anything additional in to support that? Yeah. Yeah. Yep. Yep.\n\nThat's okay. Okay. So no. That's understandable. This we've had a lot going on, and it definitely takes time.\n\nCash flow and budgeting can definitely take time, especially when we've been working, earning a significant income, and then we're off work due to illness or injury and things go wrong, and we're still having the same amount of bills come out, but our income decreases. It can definitely take a bit of a toll. So it's completely understandable. Yeah. Yeah.\n\nYes. Okay. So given your age, so you're 61 this year. So, realistically, because you're over the age of 60 and not working, we can look to supplement the income that you are receiving and start to draw a little bit out of super. I will just do some research to make sure that it's not gonna impact your workers' compensation amounts at all.\n\nIt shouldn't, because income from super when you're over 60 is completely tax free and is not considered income for the purposes of employment and tax and things like that. Did you want us to maybe look at as part of the advice maybe trying to draw a little bit of income at maybe a lump sum to replenish or give you some extra money, or did you want to sort of maybe draw a regular income out on a fortnightly or weekly basis to sort of support your income needs? Yep. Yep. That's absolutely fine.\n\nOkay. Yep. That's okay. Would you like us to do you have a mortgage broker or someone that you can speak to, or would you like us to refer you through to a mortgage broker that might be able to assist and look at what they can do to help you? We did.\n\nYep. Yeah. Okay. Yep. Yep.\n\nYes. Yep. Yep. Yeah. Of course.\n\nYeah. Yep. Yeah. Absolutely. One thing at a time.\n\nJust feel free to call me if you have any problems or need any help or, you know, if there's anything that you just wanna to this fact, you just wanna have a chat. I'm here as your adviser to support you. I'm more than happy to talk you through things if I can help, if I can find some information, or if there's anything I can do or refer you to someone, I will absolutely do that for you. We just wanna work in a way that supports you, looks after your super, make sure you're, you know, working towards your goals because even from here, you've still got you know, most people live in those time of years from 60 plus for ten, twenty, thirty, forty odd years. So you still got a lot of longevity ahead of you, and we just wanna make sure we continue to update the advice and are here to help you sort you know, make sure we're looking after your goals moving forward.\n\nOkay? That's okay. Perfect. So what would you would you like me to just start with something simple? Did you want to just maybe withdraw some funds out to cover the cost of the solicitor's fees and maybe put some money on the mortgage, or did you just wanna take some money out to get the solicitor's fees completed?\n\nWhat would you like to do as the next step? No. No. So we can honestly draw it out of the Hub twenty 4 account. Your balance in Hub twenty four is a little bit higher than it is in the Aware.\n\nSo the Aware account at the moment, the current balance with the rundown I have is last balance, $101,009.79 and 7¢. Within hub twenty four, your current balance there is I'm sorry. I'm just going back to my other screen. It is. Yeah.\n\nSo 309239. So we can actually physically do the withdrawal from hub twenty four. We just need to essentially have a form signed to note that you're no longer working, that you meet the condition of release. So you're not physically working at all and you're over 60, which meets that condition of release, which means you can draw the funds down completely tax free. We can take it out of the aware account if you'd like to.\n\nIt's just a little bit can be a little bit longer of a process because we've gotta get the form signed central where they sell things down to your bank account can take a little bit longer. Whereas with Hub twenty four, we can physically do all that for you and complete the withdrawal and monitor it a little bit easier. But it's up to you on how you would like to proceed with it. Yep. Yep.\n\nYes. Yes. Yes. Yes. Yeah.\n\nYeah. We yeah. I definitely wanna do that. Yeah. Yeah.\n\nDefinitely. No. We normally only like to keep about 10,000 in that account, and I do wanna just update the advice to reflect that. I'm also looking at your hub twenty four account, and I've done a bit of a review of the investments in there. And there are some changes we'd like to make.\n\nSo one of your investments in hub twenty four at the moment is underperforming. So I would like to move that investment out of there and replace it, maybe update your risk profile within Hub twenty four, reevaluate the investments within Aware as well to make sure that everything is in line with your risk capacity, just to make sure you're not taking on too much risk because the markets are still quite up and down. They are volatile. And just look at whether we need to keep a where open anymore or whether it can be closed off, but it all comes down to whether that income protection claim is viable or whether you won't be able to claim the income protection. So we just need to finalize that bit of research with Taos.\n\nSo sorry. Yeah. Yeah. Yep. Yeah.\n\nNo. No. Hub yeah. No. Hub twenty four would definitely accept smaller payments.\n\nSo so long as the workers' compensation claim, the employer contributions can be paid into Hub twenty four, then they absolutely will accept them. There's, yeah, no no issue with that in any way, shape, or form. Yeah. That yeah. Having a look at the last advice document, it was kept because you needed to retain the that you had.\n\nIt looks like we were unable to get new cover at that time. So Aware was kept open to keep your contributions going in to retain the level of insurances that you had until such time as you don't need them again. So it's really important that we update the advice. We reevaluate your goals and make changes to the investments as well every so often because investments, you know, that might have been good a couple of years ago might not be any you know, might need to alter or might not be any good anymore. We might need to change them.\n\nSo I'd love to go back and just reevaluate the investments, have a look at the risk level you're taking, see if we can find a better performing portfolio for you, and also look at whether we can consolidate that or whether the Aware needs to stay open for you. Are you comfortable with me doing that for you? Yeah. Yep. No.\n\nThat's okay. Can I ask you with the claim for workers' compensation, when you were getting those payments put through, did they ask you what Superfund to pay your contributions to, or was that just something they worked out automatically? Yep. Okay. Probably discontinued.\n\nYep. That's okay. I'll do some research to see if we can have those contributions moved into Hub to try to consolidate everything. Because, realistically, if we can move everything from Aware into Hub 24, having everything invested in one place does give you you have more money, makes more money. So it does ultimately provide a greater benefit.\n\nBut I'll do the research first. I don't wanna do anything that's gonna impact you, and the first part of my research just needs to be around that income protection claim with Cal to see what's happening there, what we can do to help, and whether or not the claim is gonna go through or not. And then we can look at how best to sort of structure things as well for you. Okay? All good.\n\nAnd in the meantime, did you want us to organize a a bit of a withdrawal? We can do it quickly as a transaction without seeking advice, and that's just you directing us to withdraw some money as much as you need to cover any large bills, to pay the solicitors, to sort of give you some funds in the short term to support you a little bit more. Did you want me to organize that as a matter of priority? Yep. Mhmm.\n\nYeah. Yep. Yes. Mhmm. Yep.\n\nYep. Yep. Yep. Absolutely. And did you want us to organize sorry.\n\nYes. Yeah. So it's taking 50. That's 10,000 there and 40. You said you owed a 132.\n\nSo, yeah, it gives you a little over that under that $100,000 mark. Yeah. Yep. Perfect. And did you want us to organize that withdrawal from Hub twenty four, or would you like us to withdraw it out of the Aware Super?\n\nIt's completely up to you. We can do either. Hub twenty four, we obviously have more control over. Yep. Yeah.\n\nI mean, with the hub twenty four, we can withdraw it out of individual investments to make it a little bit faster, or we can do it pro rata. Pro rata could take a couple of days. We can also request that once we submit the withdrawal because we're withdrawing less than 80% of the balance, that they pay that out before the withdrawals are completed, so it can be a lot faster to do it from hub twenty four. So we could have this withdrawal done. As long as we get everything signed today, we can have this withdrawal processed within, you know, two to three days, essentially.\n\nWith Aware, it can take them about a week depending on how they draw things down. Yeah. Yep. That's okay. Mhmm.\n\nYeah. Yeah. Absolutely. Yep. Yep.\n\nAnd that's what we'll do as part of the advice. Yeah. Yes. It'll take me to do the research properly, it'll take us about one to two weeks to complete the research before updating the advice for you. So that's why I'm sort of thinking if we withdraw this now quickly, that gets the solicitor's bill sorted for you and give you some money now.\n\nAnd then we can reevaluate everything with the advice and look at how that benefits moving forward. Does that make sense? Yeah. No. That's okay.\n\nYep. Yep. That's okay. Do you wanna give them a call and find out if they're happy for it to be in, you know, a week or so's time, and we just take that money from Aware? Yep.\n\nYeah. Yeah. That's that's absolutely fine. Yeah. That's absolutely fine.\n\nNo. Well, in all honesty, if they've got a bit of time, if they want the money quicker, Hub twenty four is easier to take it out of. But because realistically with the advice we'd be trying to consolidate Aware into Hub twenty four, it does it is more beneficial to take it out of the industry fund. It's just that it can be a longer process to take money out of the industry fund because they have their set processes that take three to five days to receive and process things and then the withdrawal. They don't like to pay money up before they sell the investments down to to match it.\n\nSo it can be a little bit longer of a process to do it that way. But if the if the solicitors are happy just to wait another week or so, we can get the form signed as quickly as possible so we can get everything done. It'll be a transaction without advice. It's the quickest way to do the withdrawal for you. It's just us letting you know that we're not providing advice on this.\n\nIs the direction that you need the money now, that we're gonna do it as quickly as possible. And it's just about noting that the funds will no longer be invested, that the money can take some time to sell down, and that, you know, you're comfortable not seeking advice on this withdrawal, that you just need these this money now to to pay these bills and to help you upfront. And as long as you're comfortable with that, we can get the forms. We'll get them signed. We'll send everything to Aware, and then we'll follow-up with a phone call saying, hey, guys.\n\nThis is important. We need this done as quickly as possible, and we'll try to push it through as fast as possible on their end. Does that make sense? Yeah. Yep.\n\nYeah. The other option is if you are really unsure and you just want us to provide that personal advice is we can do the research. We'll need to obviously get the TPA applied to TAO and do the research with them first up. So we can do some research and try to provide the advice. It'll it normally takes us about a week or two.\n\nNormally, about two weeks because we have to incorporate the TAO income protection policy into this research. So in about sort of two to three weeks, we could have the advice completely done up for you, which tells you where to withdraw the funds from, what we're gonna do to the investments, and how best to move forward and structure everything to make it better for you. But that's a little bit longer to get personalized advice. We have a quite a bit of research to do, so it will take a little bit longer to do that. So I just sort of wanted to find out what's more preferable to yourself.\n\nNo. That's okay. You can take you can take some time to have a think about it if you want. You don't have to make the decision right this minute. Do you wanna take some time to have a think about what you'd like to do?\n\nYep. No. That that's okay. That's alright. Do you want me to just have the withdrawal process?\n\nI mean, I can just do the withdrawal out of Aware. We just need you to sign the transaction without advice, and that way it gets processed. It's completely tax free to yourself. And the sooner we start it, the easier it will be to have the funds on the mortgage and have the solicitor's bill completely paid and out of the way for you. One less thing to worry about.\n\nDoes that sound okay? Mhmm. Yep. She is. Yeah.\n\nI'll let her know that you'll be calling back to confirm. But, yeah, the the fastest and easiest way to do this while we do the research around the rest of the advice is to get you some money now so you can pay down the mortgage a little bit, have a bit of a buffer there as well, and also cover the solicitor's bill is to do it as a transaction without seeking advice. We'll just get you to sign the document. I'll outline the risks involved. We'll get the withdrawal form sorted as well, and we'll just need to get a bank statement off you that shows your bank account information because Aware will want to know where to pay the funds to, essentially.\n\nYep. So we just need to see a bank statement or get your bank account information, you'll be seeing account number. And we can get those forms done up for you, get them signed nice and quickly, and then we can push that through as fast as possible. And that means you could have that money a little bit quicker, have it in the bank, gives you a buffer, and it pays the solicitor's bill. Does that sound okay?\n\nYep. That way they're not ringing you and going, hey. You owe us this money. Hurry up. And and yep.\n\nYes. Yes. So Aware will have to pay that money into your bank account, and then you can have that transferred across to to the solicitor's account. Okay? Perfect.\n\nSo I'll do up a TWA for withdrawal. We want 50,000. Is that right? Yep. From Aware Super ASAP.\n\nBeautiful. And we will get that document out to you today. Now with the bank statement side of things, is it easier if I maybe get Michelle to give you a call and get the information? Or are you able to send us a copy of your just a bank statement that shows the BSB, the account, and your name? It might do.\n\nI'm just double checking your where's rules because some of the s super funds have changed where they might not request the actual statement be provided. I might be able just to get Michelle to give you a call and get the details over the phone, but I just wanna check Aware's rules for you to make it as easy as possible. Let's have a look. Yeah. So it says here they specifically require a copy of your bank statement.\n\nYeah. Copy of your current bank statement. This must show your account balance, Clarisse. No. Sorry.\n\nIt's hardship claims. For a lump sum withdrawal or changing payment details, you must provide the following, your member number and account, BSB, and proof of identity. Okay. So Certificate driver's license. Sorry.\n\nIt looks like they actually should not require the bank statement itself. They may just do a phone call to confirm the information with you, but they do want updated ID, which I believe we already have. So I yeah. Did you wanna call the solicitors first and find out when they want the transaction, or would you just like us to organize it from where nice and quickly for you? Yep.\n\nOkay. Yep. Absolutely. Absolutely. Absolutely.\n\nNo. That's perfect. Well, we will get that TWA done. I will get the benefit payment form sorted. I will get Michelle to give you a call and get your bank information for the form.\n\nI don't wanna do it on this line because I don't do it on a recorded line. We have to turn the recording off, and I'm gonna be honest with you. I'm not that good at it. So Michelle knows what to do there. So I'll get so I'll get her to give you a call to get your bank account details before the withdrawal form, and we'll make sure that it can be electronically signed.\n\nIf we have to get it web signed, we'll let you know. We'll do we'll do all the bits we need to make sure we understand what has to happen to make this as quick as possible for you. And just confirming, you just wanna withdraw 50,000. Yep. Perfect.\n\nASAP. Beautiful. We can do that for you. Yeah. Yeah.\n\nIsn't she beautiful? She is really, really sweet. Yeah. No. She is really beautiful.\n\nSo Michelle is gonna be she's my admin now, and she's been learning to do all the implementations and work with the kind of advice that I give, which is a lot around that retirement space, so quite complex advice scenarios. And, yeah, she's really enjoying it. She's a great person. She's just so personable, and she's really, really good to speak to. Yeah.\n\nSo whenever you need anything from us, we'll make sure Michelle's the one that you get to talk to there. And if you have any questions or concerns, you can ask for me. I work Monday to Thursday, and I work anywhere up until 7PM at night. So I can call you at any time that you need. Okay?\n\nYeah. Beautiful. That's that's okay. Before I let you go, I just wanted to update a few more, just some details here for you just for the advice. Now just sort of goals wise, I know at the moment, you're not sort of needing to draw anything out of super, and that's a half in this 50,000.\n\nAnd that's okay. If anything changes down the track, you're welcome to let me know. But because the workers' compensation claim is expected to go until about the age of 67, do you think that at that time, you'll wanna start drawing an income out of super? Is that sort of where you think your goal might land for that? Yes.\n\nMhmm. Yes. No. Definitely. Yeah.\n\nYeah. Yeah. Yes. Yeah. So plan to downsize.\n\nNo. No. It's it's yeah. No. It is definitely not enough for anyone to live on.\n\nThe good thing is I do a lot with the Centrelink space and age pension and assets and income testing and things like that. So we can absolutely look at, you know, what we can do at that point, whether you're eligible, what that means for you, and how you draw down income from Super to supplement that for you. Okay? Beautiful. Okay.\n\nAnd you're looking to, down the track, sell the house and downsize a little bit. Do you know what when you're sort of thinking about doing that, would that be when you fully retire after age 67 or beforehand? Or yep. Perfect. That's okay.\n\nAnd is there any other goals that you're, you know, looking forward to down the track or that you have down the track that you're hoping to achieve? Okay. Yep. Do you wanna keep that building? Yeah.\n\nOkay. Yep. Yep. Right. Yeah.\n\nAbsolutely. Are those shares held in a a company or a trust or anything? In a trust. Okay. Yep.\n\nYes. Yes. Yes. Okay. Yeah.\n\nSo, sir, you're doing the non transactional ownership of shares. So transferring the contract between trustees without actually buying and selling. Yep. Yep. That's understandable.\n\nPerfect. That's all good. All good. So that's something that's gotta be done down the track. Absolutely.\n\nAnd is there anything else that you might be hoping to achieve goal wise? Or it's okay if there's not. No. Yeah. Yeah.\n\nThat's okay. Yep. That's okay. From the the trust, I'm assuming it's a family trust that you do have there, do you earn any income from that? Do you receive any income from that as a beneficiary?\n\nYep. How much do you sort of averaging income from that on a yearly basis at the moment, or what was the okay. Family trucks. H. Yeah.\n\nBeautiful. Excellent. Lovely. And just having a look at any other assets in your own personal name there as well. You've got your house at the moment.\n\nHave you had that, or has anyone had that valued for you recently? Do you know sort of what value the house would be at the moment? Yep. Yep. Wow.\n\nYeah. Perfect. That's right. Yeah. That's it.\n\nThat's it. No. That's okay. I'll put a mill a million on there for you. And other assets I like to sort of consider as well, do you have contents insurance?\n\nYeah. Yep. That's okay. Yep. That's okay.\n\nWhat kind of car do you drive? Beautiful. Beautiful. And if you have to sell that car tomorrow, what do you think you'd want for it? What's the value of TU?\n\nThat's okay. Did you if you yep. Okay. That's alright. If you like, I've got some access to some material.\n\nI can have a look and see what the the rough valuation is on those sorts of vehicles for you. Yeah. Beautiful. And the shares that you have there in the trust, so that's okay. So having a look income wise, when you consider your growth you're receiving from the from the workers' compensation claim plus the 12,000, you're getting roughly on a yearly basis from the trust there as well.\n\nSo you're earning roughly a bit over 80,000 per year income wise. Understandable. There's a lot of bills in there with mortgage repayments and all the bits and pieces and food and living and no. That that's okay. So money is a bit tight at the moment.\n\nYou're not really saving anything. Everything that's coming in is sort of going out towards the bills is what you're sort of finding. Yeah. That's okay. All good.\n\nBeautiful. Alright. So what we can do oh, I also just wanted to double check your beneficiaries as well just to make sure everything was in line with your wishes. With everything you've had, I know you've got a lot going on, but have you ever drawn up a will, had a power of attorney, drawn up with a solicitor as well? Yep.\n\nYeah. Yep. Yeah. Yeah. Yep.\n\nYep. Correct. Yeah. I've got Jackson and Natasha on both of the aware and the hub 24 for $50.50 each. So you're happy with the way that's structured?\n\nOkay. Yeah. Yeah. Mhmm. Yeah.\n\nThere there is another way to structure your beneficiaries if it's better for you to be able to do that, where if you had it directed to your legal personal representative that in the event of passing, your super is paid to your will, it becomes an estate asset. And then as part of your will, you can direct how much goes to each of your kids that way. Yeah. It's legal personal representative. Yeah.\n\nAnd that just means that if you ticked legal personal representative on your super, if you were to pass away, your super gets paid to your estate with everything else. And then as part of your will, it just gets combined, and then your will, you just have directed what you want to go to where. And that gives you a bit more control around, you know, having that structured. There's with the beneficiaries $50.50 each at the moment, there's nothing wrong with that in any way, shape, or form. It's just you know, if anything happens, they can claim.\n\nThey get the benefit paid out $50.50. You know, tax might be considered in there as well. But if you wanted it sort of paid out to your estate combined with everything else that you have on your will and then separated as per your wishes, your will does give you a bit more control around how you want things directed. Yeah. Definitely worth having a chat with a solicitor about.\n\nYeah. Yeah. No. That's okay. One thing at a time.\n\nAnd and for the moment, your beneficiaries are here and applied. So if anything happened in the meantime whilst you're getting the will sorted, then everything just you know, the kids can claim $50.50. It's still legitimate as it is at the moment. Yeah. Yeah.\n\nYou've got a long list of things there. Just do one thing at a time, make it a little bit easier on yourself. Okay. I'll let Michelle know that you'll be calling yeah. I'll let Michelle know that you'll be calling back in and that we need to get the withdraw form from Aware organized as a matter of priority.\n\nAnd I'll do up that TWA, and we'll find we'll get that organized for you today. Okay. That's okay. Not a not a problem at all. I do just have to let you know I'm gonna also get Michelle to send out some annual review docs to you just to continue with our services for the next twelve months.\n\nWe just get you to sign and return those back to us. I know we would have gone through, obviously, our ongoing service fee each year with you as part of your annual review, but do you understand how our services work, how our ongoing service fee works, and, you know, what you're sort of paying for with regard to that? Yeah. That's okay. I I can go through it with you.\n\nIt's honestly fine. With our ongoing service agreement, we do charge an ongoing service fee of 1.65%. That is deducted from super. So you don't pay for that out of your back pocket in any way. On a monthly basis, it's a smaller percentage.\n\nSo the 1.65% fluctuates with the market. Our fee is linked to the performance of the market and your super. And, yeah, you just pay that on a monthly basis, 1.65% over the course of the year, and that's the ongoing service for us to look after your super, make sure we're providing advice, assist ongoing in any additional areas that we might need that you might need at the moment as well. And we just get that signed each year to continue with our services so we can keep looking after everything for you. With your super, I'll just give you a little bit of a rundown on how it's been going as well.\n\nSo sorry. One of the things that they kinda mentioned, one of your investments has been underperforming a little bit. So I do wanna kind of remove that out and update your portfolio. So I'll go back and research some investment options to make sure things continue to work harder for you. But over the course of the last year, your portfolio has still made a 9.81% return.\n\nYeah. It's still a very good return. So you're in a growth portfolio, which means that we're chasing around about a seven to 9% return on a yearly basis. The 9.81 is above what we're chasing. And some people prefer a dollar figure instead of a percent.\n\nSo it means that the earnings your portfolio has made over the year is over $33,630. Yeah. Yeah. Yeah. Beautiful.\n\nBeautiful. Lovely. Well, in your portfolio, you've probably also seen you hold the Benelong concentrated Australian equities managed fund. That's the one that's been underperforming a little bit. So I'm gonna remove that investment out and replace that with something that's performing a little bit better.\n\nWe just wanna make sure that you're not don't have underperforming investments and that things are working harder. I can also just reevaluate the whole portfolio. Just make sure that you're invested correctly, maybe rebalanced if you're taking a bit too much risk in the market, and also just make sure that everything's working harder for you. Okay? That's okay.\n\nNow the other thing I just have to sort of talk to you about is the way you are invested. So in that growth portfolio, you normally see about 80% of your super invested in growth assets. So thinking things like Australian shares, international shares, and also listed property, and also commodities. There's some gold and silver in there as well for you. That sort of a portfolio does suit someone who is able to stay invested without accessing their money over the next six years.\n\nAnd because you do see 80% in those high growth or high risk investments, like shares and things, we can expect a negative or a big dip sort of one in every five years. Did you want me to maybe look at reducing some of the risk level for you, or are you comfortable staying where you are at the moment? Yep. Yep. That's okay.\n\nI just wanna do a quick questionnaire just to see where you might sit on that risk scope there. Now you do earn some individual shares. They are in a trust there, but you have invested, so I can tick that box. And when we're looking at your time horizon, so if we're saying around about age 67 is your time horizon now, it's realistically giving you about a six year time horizon. So we're kind of right on that cost there.\n\nSo I'll tick the box for you. Now when you think about risk, if risk was a number between one and five, five being very risky, you're a 100% invested in the market, throw it all on black, and one being very safe, not investing, and getting lower returns. How where do you think you might fit on that scale? Picking a number between one and five, what would you sort of how do you think you might fit? Yep.\n\nPerfect. Beautiful. And if you saw your investment fall in value, do you think you might wanna put more money in? It could be a buying opportunity. Are you likely to call us and speak to us, or do you think you'd be really cautious in considering selling your investment?\n\nHow do you think you might react? Yep. Perfect. And the second last one here is looking at the average return where you're looking for on a yearly basis. Are you wanting the highest return you can get on a yearly basis?\n\nAre you comfortable with chasing maybe six to 8%, four to six percent, two to 4%? What sort of average rate of return do you think you'd be chasing with your super annual investment? Yeah. That's absolutely fine. Yep.\n\nThat's honestly fine. And have you ever thought about taking out a loan to invest in shares or managed funds, or have you only ever wanted to borrow for, say, property? Yep. No. That's okay.\n\nThat's not a problem. So now you have scored in that growth environment there, which is where you're invested in currently. We can look to because you are getting closer to just maybe starting to reduce your risk level slightly. If we maybe move you down by 10% into that balanced growth environment, it drops the growth investments by 10%. So from 80% invested to 70%, and we're just increasing the lower risk defensive investments gradually.\n\nThis sort of environment suits a five year time horizon to accessing your money. So you could be in that for the next, you know, one to two years depending on how you feel, but it's more just about stepping down gradually instead of a really big jump in the risk scale. Does that feel like something you'd be comfortable doing now, or what's your thoughts? That'd be good? Yes.\n\nBeautiful. Well, I will go and look at the balanced growth side of things. I'll re look at all the the two super funds, how you're invested, what we're looking at, looking towards your goal, projecting things out there for you. I will also organize my team to get the authority for TAL, and we'll do some research with them on the claim to income protection to see what's happening, where it's at. As I said, it'll take a couple of weeks to do that.\n\nSo for the time being, we'll get that withdrawal sorted for you for the 50,000 so you can get some money now to help you out. Okay? Beautiful. Beautiful. Is there anything I might have missed, or is there anything else that you maybe wanted to bring up with me?\n\nOr yep. Oh, beautiful. Beautiful. Was it anything comes up, you're welcome to let me know. You did send that email through the other day with those documents, and thank you for doing that.\n\nSo you do have my email there as well, Kate. So if there's anything that you find you might want to bring up or any additional questions, you're welcome to email me or call myself and Michelle, and we will take time to answer those with you. Okay? Oh, my pleasure. Thank you so much for your time.\n\nHave you had any word on this? I haven't had the phone go off. Any word on where your grandbaby is? Nothing? Watching.\n\nYep. All good. Yeah. All good. Well, thank you.\n\nI will let you go so you can make that phone call. Good luck today. I'm very excited for you, and we will get this sorted for you quickly. Okay? My pleasure.\n\nThank you for taking my call, Kate. Have a good day. Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Kate.","start":1.92,"end":2.48,"sentiment":"neutral","sentiment_score":0.18796779960393906},{"text":"It's Zaina from OQ Financial.","start":2.48,"end":4.1,"sentiment":"neutral","sentiment_score":0.22901457846164702},{"text":"How are you today?","start":4.24,"end":5.22,"sentiment":"neutral","sentiment_score":0.27340080589056015},{"text":"I'm very well.","start":7.52,"end":8.4,"sentiment":"positive","sentiment_score":0.6356019179026285},{"text":"Thank you.","start":8.4,"end":8.8,"sentiment":"positive","sentiment_score":0.7072837650775909}],"sentiment":"positive","sentiment_score":0.37099906243383884,"num_words":16,"start":1.92,"end":8.8},{"sentences":[{"text":"Thanks for asking.","start":8.8,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6604014237721761},{"text":"I had you booked in for a bit of a a quick catch up today in relation to your TBD claim and helping you out with that at the moment.","start":9.5199995,"end":16.715,"sentiment":"neutral","sentiment_score":0.23584823906421662},{"text":"Is now still a good time?","start":16.715,"end":18.095,"sentiment":"neutral","sentiment_score":0.20007279763619104},{"text":"Yeah.","start":19.035,"end":19.435,"sentiment":"neutral","sentiment_score":0.22832883894443512},{"text":"Fantastic.","start":19.435,"end":19.935,"sentiment":"positive","sentiment_score":0.5147808194160461}],"sentiment":"neutral","sentiment_score":0.26829750944928427,"num_words":41,"start":8.8,"end":19.935},{"sentences":[{"text":"How's your morning been so far?","start":20.635,"end":22.494999,"sentiment":"neutral","sentiment_score":0.24090841164191565},{"text":"Yes.","start":26.075,"end":26.575,"sentiment":"neutral","sentiment_score":-0.04532655328512192},{"text":"Wow.","start":29.43,"end":29.93,"sentiment":"neutral","sentiment_score":-0.07099585235118866},{"text":"Wow.","start":32.55,"end":33.03,"sentiment":"neutral","sentiment_score":-0.022111546248197556},{"text":"Is she in labor now?","start":33.03,"end":34.41,"sentiment":"neutral","sentiment_score":-0.02348322756588459}],"sentiment":"neutral","sentiment_score":0.08497145572411162,"num_words":14,"start":20.635,"end":34.41},{"sentences":[{"text":"Wow.","start":36.07,"end":36.57,"sentiment":"neutral","sentiment_score":0.01099180430173874},{"text":"Is now still okay for a conversation?","start":36.63,"end":38.65,"sentiment":"neutral","sentiment_score":0.0009159767734152931},{"text":"Because if you need to focus on other things, that's understandable.","start":38.79,"end":41.85,"sentiment":"neutral","sentiment_score":-0.13009578057310797},{"text":"It's okay.","start":42.71,"end":43.45,"sentiment":"neutral","sentiment_score":-0.09532292932271957},{"text":"Okay.","start":45.725,"end":46.225,"sentiment":"neutral","sentiment_score":-0.08203918486833572}],"sentiment":"neutral","sentiment_score":-0.07665159036828713,"num_words":22,"start":36.07,"end":46.225},{"sentences":[{"text":"Yep.","start":48.364998,"end":48.864998,"sentiment":"neutral","sentiment_score":-0.04561487585306168},{"text":"Absolutely.","start":49.484997,"end":49.984997,"sentiment":"neutral","sentiment_score":0.05878910422325134},{"text":"Well, look, if this a call comes in and something, you know, comes through and you need me to stop, please let me know because that is absolutely so important.","start":50.125,"end":57.344997,"sentiment":"neutral","sentiment_score":-0.052773077475527924},{"text":"Oh, good.","start":59.07,"end":59.63,"sentiment":"neutral","sentiment_score":0.20077919960021973},{"text":"Do you know do you know what she's having?","start":59.63,"end":61.81,"sentiment":"neutral","sentiment_score":0.006761811466680633}],"sentiment":"neutral","sentiment_score":-0.02575821845337402,"num_words":43,"start":48.364998,"end":61.81},{"sentences":[{"text":"Oh, that's beautiful.","start":64.43,"end":65.41,"sentiment":"positive","sentiment_score":0.34475309650103253},{"text":"Well, congratulations once that's all done.","start":65.47,"end":67.87,"sentiment":"positive","sentiment_score":0.3832044303417206},{"text":"Oh my gosh.","start":67.87,"end":68.67,"sentiment":"neutral","sentiment_score":0.15009265144666037},{"text":"Is this your first grandchild?","start":68.67,"end":70.13,"sentiment":"neutral","sentiment_score":0.05190135315060616},{"text":"Oh, this is special.","start":73.375,"end":74.675,"sentiment":"neutral","sentiment_score":0.20271972939372063}],"sentiment":"neutral","sentiment_score":0.23114997662958645,"num_words":21,"start":64.43,"end":74.675},{"sentences":[{"text":"Yeah.","start":76.175,"end":76.675,"sentiment":"neutral","sentiment_score":0.1370462030172348},{"text":"Yeah.","start":78.335,"end":78.835,"sentiment":"neutral","sentiment_score":0.2304115444421768},{"text":"Oh, absolutely.","start":81.055,"end":82.115005,"sentiment":"neutral","sentiment_score":0.32807911932468414},{"text":"All good.","start":83.055,"end":83.875,"sentiment":"positive","sentiment_score":0.3518769443035126},{"text":"Well, I was trying not to take up too much of your time, but I just wanted to sort of go through and do a bit of a review of things with you, look at what we can definitely do to help.","start":84.175,"end":91.810005,"sentiment":"neutral","sentiment_score":0.11544443613716535}],"sentiment":"neutral","sentiment_score":0.13700075400993228,"num_words":48,"start":76.175,"end":91.810005},{"sentences":[{"text":"I have done some really in-depth research with Aware, so I understand what's happening on that side of things for you.","start":92.350006,"end":98.53,"sentiment":"neutral","sentiment_score":0.08107277480441899},{"text":"And we just need to work out whether, you know, how we get some funds out for you and, obviously, what what sort of advice we need to help you with moving forward now.","start":99.07,"end":108.345,"sentiment":"neutral","sentiment_score":0.09814985485418755},{"text":"Okay?","start":108.345,"end":108.845,"sentiment":"neutral","sentiment_score":0.06125494837760925},{"text":"All good.","start":110.025,"end":110.585,"sentiment":"positive","sentiment_score":0.5524777770042419},{"text":"Now before I jump into the call completely, I do have to let you know we do record our calls moving forward.","start":110.585,"end":115.145,"sentiment":"neutral","sentiment_score":0.06742484876039354}],"sentiment":"neutral","sentiment_score":0.09611475638812408,"num_words":80,"start":92.350006,"end":115.145},{"sentences":[{"text":"Are you comfortable with me doing that?","start":115.145,"end":117.165,"sentiment":"neutral","sentiment_score":0.03774472379258701},{"text":"Beautiful.","start":118.5,"end":118.979996,"sentiment":"positive","sentiment_score":0.6071111559867859},{"text":"And now just for security, I'm about to discuss your personal information.","start":118.979996,"end":122.02,"sentiment":"neutral","sentiment_score":0.14905432611703873},{"text":"So I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":122.02,"end":126.2,"sentiment":"neutral","sentiment_score":0.10574360901401156},{"text":"Yeah.","start":129.86,"end":130.36,"sentiment":"neutral","sentiment_score":0.015120629221200945}],"sentiment":"neutral","sentiment_score":0.11656458462987628,"num_words":42,"start":115.145,"end":130.36},{"sentences":[{"text":"Beautiful.","start":135.03499,"end":135.53499,"sentiment":"positive","sentiment_score":0.5819012522697449},{"text":"Thank you so much for that.","start":135.595,"end":137.375,"sentiment":"positive","sentiment_score":0.726176381111145},{"text":"Now I can see so I did actually get through to Aware.","start":137.515,"end":141.75499,"sentiment":"positive","sentiment_score":0.4477662891149521},{"text":"Thank you for doing the TCA for us and having all that on file.","start":141.75499,"end":144.715,"sentiment":"positive","sentiment_score":0.6214933863707951},{"text":"I spoke to them last night.","start":144.715,"end":145.995,"sentiment":"positive","sentiment_score":0.362398495276769}],"sentiment":"positive","sentiment_score":0.5432680356196868,"num_words":39,"start":135.03499,"end":145.995},{"sentences":[{"text":"Was able to get some full research completed there.","start":145.995,"end":149.2,"sentiment":"positive","sentiment_score":0.4652622739473979},{"text":"I can see your current balance there.","start":149.73999,"end":151.57999,"sentiment":"positive","sentiment_score":0.4191502715860094},{"text":"I can also see with your workers' compensation claim, you are also receiving contributions if you're aware, which is fantastic.","start":151.57999,"end":158.31999,"sentiment":"positive","sentiment_score":0.4273517683148384},{"text":"It's really good to see that that's still going in.","start":160.62,"end":162.85999,"sentiment":"positive","sentiment_score":0.378760951757431},{"text":"Not not all states do contributions for workers' compensation claims.","start":162.85999,"end":167.235,"sentiment":"neutral","sentiment_score":0.03596879318356514}],"sentiment":"positive","sentiment_score":0.35385259254170315,"num_words":56,"start":145.995,"end":167.235},{"sentences":[{"text":"So the fact that you're getting contributions is a really good thing.","start":167.235,"end":170.215,"sentiment":"positive","sentiment_score":0.5200278535485268},{"text":"Do you know with the workers' compensation, now that you have been able to claim on TBD, have you had any kind of update with the compensation lawyers and where this might be going?","start":171.795,"end":183.29001,"sentiment":"neutral","sentiment_score":0.028405725188991603},{"text":"Will you be staying on this, or have they sort of mentioned anything about a payout?","start":183.29001,"end":187.07,"sentiment":"neutral","sentiment_score":-0.036310709663666785},{"text":"Or Okay.","start":187.37,"end":195.075,"sentiment":"neutral","sentiment_score":-0.04216347075998783},{"text":"No.","start":210.43999,"end":210.93999,"sentiment":"negative","sentiment_score":-0.42036789655685425}],"sentiment":"neutral","sentiment_score":0.09416096471250057,"num_words":65,"start":167.235,"end":210.93999},{"sentences":[{"text":"Correct.","start":211.4,"end":211.9,"sentiment":"neutral","sentiment_score":-0.16682182252407074},{"text":"Yeah.","start":212.28,"end":212.78,"sentiment":"neutral","sentiment_score":-0.13189363479614258},{"text":"Okay.","start":216.885,"end":217.385,"sentiment":"neutral","sentiment_score":-0.03085022233426571},{"text":"That's that's okay.","start":220.885,"end":222.00499,"sentiment":"neutral","sentiment_score":-0.03249110064158837},{"text":"Do you have any do do you have your solicitor to sort of try to help you with that at the moment, or is that something that's just on hold?","start":222.00499,"end":228.885,"sentiment":"neutral","sentiment_score":-0.012380142416805028}],"sentiment":"neutral","sentiment_score":-0.022178979280094307,"num_words":36,"start":211.4,"end":228.885},{"sentences":[{"text":"You're just gonna keep receiving those regular payments until '67 at this point?","start":228.885,"end":233.79001,"sentiment":"neutral","sentiment_score":-0.030137014073821213},{"text":"Or Mhmm.","start":233.79001,"end":240.69,"sentiment":"neutral","sentiment_score":-0.049558743834495544},{"text":"Mhmm.","start":241.47,"end":241.97,"sentiment":"neutral","sentiment_score":-0.12892970442771912},{"text":"Okay.","start":251.885,"end":252.385,"sentiment":"neutral","sentiment_score":-0.0001453673467040062},{"text":"Yep.","start":264.03,"end":264.53,"sentiment":"neutral","sentiment_score":0.03231076896190643}],"sentiment":"neutral","sentiment_score":-0.032647942968954645,"num_words":18,"start":228.885,"end":264.53},{"sentences":[{"text":"Okay.","start":264.59,"end":265.09,"sentiment":"neutral","sentiment_score":0.12261220812797546},{"text":"Yeah.","start":266.75,"end":267.15,"sentiment":"neutral","sentiment_score":0.13009150326251984},{"text":"Absolutely.","start":267.15,"end":267.65,"sentiment":"neutral","sentiment_score":0.15153419971466064},{"text":"Yep.","start":270.19,"end":270.69,"sentiment":"neutral","sentiment_score":0.01965381950139999},{"text":"Yes.","start":275.155,"end":275.655,"sentiment":"neutral","sentiment_score":0.020940950140357018}],"sentiment":"neutral","sentiment_score":0.08896653614938259,"num_words":5,"start":264.59,"end":275.655},{"sentences":[{"text":"Yep.","start":277.555,"end":278.055,"sentiment":"neutral","sentiment_score":0.01043576654046774},{"text":"Yep.","start":279.155,"end":279.655,"sentiment":"neutral","sentiment_score":0.022214729338884354},{"text":"That's okay.","start":280.595,"end":281.57498,"sentiment":"neutral","sentiment_score":0.11679617315530777},{"text":"No.","start":283.155,"end":283.395,"sentiment":"neutral","sentiment_score":-0.03017842397093773},{"text":"No.","start":283.395,"end":283.63498,"sentiment":"neutral","sentiment_score":-0.05260078608989715}],"sentiment":"neutral","sentiment_score":0.030577272021522123,"num_words":6,"start":277.555,"end":283.63498},{"sentences":[{"text":"That's okay.","start":283.63498,"end":284.35498,"sentiment":"neutral","sentiment_score":0.06221630983054638},{"text":"You're not a problem at all.","start":284.35498,"end":286.05,"sentiment":"neutral","sentiment_score":0.29123978565136593},{"text":"If you need me to stop, just let me know.","start":286.53,"end":288.77,"sentiment":"neutral","sentiment_score":0.18764236867427825},{"text":"Your breakfast is important, and you got a lot happening today, which is also very exciting.","start":288.77,"end":293.34998,"sentiment":"positive","sentiment_score":0.5586173161864281},{"text":"Beautiful.","start":294.69,"end":295.19,"sentiment":"positive","sentiment_score":0.5181501507759094}],"sentiment":"positive","sentiment_score":0.3772663494305951,"num_words":35,"start":283.63498,"end":295.19},{"sentences":[{"text":"So I've just done a lot of research around your circumstances, having a bit of a look, but can't see anywhere where it's kind of noted what the injury was that stopped you from working.","start":295.33,"end":304.85498,"sentiment":"neutral","sentiment_score":-0.10389062421662466},{"text":"Can I just get you to give me just a little bit of detail on what happened?","start":305.47498,"end":308.435,"sentiment":"neutral","sentiment_score":-0.09778422906118281},{"text":"I understand that might be very sensitive.","start":308.435,"end":310.115,"sentiment":"negative","sentiment_score":-0.3791756459644863},{"text":"I'm very sorry about that.","start":310.115,"end":311.895,"sentiment":"negative","sentiment_score":-0.4457460641860962},{"text":"But just wanted to find out a bit more around the injury that sort of stopped you from working originally.","start":312.54,"end":317.04,"sentiment":"neutral","sentiment_score":-0.29979553297162054}],"sentiment":"neutral","sentiment_score":-0.19258778861590795,"num_words":84,"start":295.33,"end":317.04},{"sentences":[{"text":"Okay.","start":323.74,"end":324.24,"sentiment":"neutral","sentiment_score":-0.09570984542369844},{"text":"Yeah.","start":324.78,"end":325.28,"sentiment":"neutral","sentiment_score":-0.11830679327249528},{"text":"I'm so sorry.","start":327.645,"end":329.425,"sentiment":"neutral","sentiment_score":-0.28684569398562115},{"text":"No.","start":332.76498,"end":333.26498,"sentiment":"neutral","sentiment_score":-0.20475129783153537},{"text":"Yeah.","start":338.525,"end":339.025,"sentiment":"neutral","sentiment_score":-0.14852315187454224}],"sentiment":"neutral","sentiment_score":-0.20397545290844782,"num_words":7,"start":323.74,"end":339.025},{"sentences":[{"text":"Yep.","start":342.39,"end":342.89,"sentiment":"neutral","sentiment_score":-0.24169939756393433},{"text":"Yes.","start":349.6575,"end":350.1575,"sentiment":"neutral","sentiment_score":-0.13483987748622894},{"text":"Yes.","start":371.17,"end":371.67,"sentiment":"neutral","sentiment_score":-0.0769353061914444},{"text":"Yeah.","start":378.45,"end":378.95,"sentiment":"neutral","sentiment_score":-0.03191579133272171},{"text":"Wow.","start":381.97,"end":382.47,"sentiment":"neutral","sentiment_score":0.005676615983247757}],"sentiment":"neutral","sentiment_score":-0.09594275131821632,"num_words":5,"start":342.39,"end":382.47},{"sentences":[{"text":"Yeah.","start":383.175,"end":383.675,"sentiment":"neutral","sentiment_score":-0.019284062087535855},{"text":"I'm so sorry you went through that.","start":383.975,"end":385.735,"sentiment":"neutral","sentiment_score":-0.3197203917162759},{"text":"That sounds awfully traumatic.","start":385.735,"end":387.195,"sentiment":"negative","sentiment_score":-0.5212017297744751},{"text":"Well, hopefully, you know, things do get a little bit better.","start":389.415,"end":391.895,"sentiment":"neutral","sentiment_score":0.2921712100505829},{"text":"And with with your, you know, granddaughter coming, hopefully, that sort of makes a little bit of a difference and brightens things up a little bit for you.","start":391.895,"end":399.81,"sentiment":"positive","sentiment_score":0.44348884373903275}],"sentiment":"neutral","sentiment_score":0.22136151396176396,"num_words":51,"start":383.175,"end":399.81},{"sentences":[{"text":"Yeah.","start":400.99,"end":401.31,"sentiment":"neutral","sentiment_score":0.20562437176704407},{"text":"Something to look forward to.","start":401.31,"end":402.93,"sentiment":"neutral","sentiment_score":0.2101194828748703},{"text":"No.","start":404.51,"end":405.01,"sentiment":"neutral","sentiment_score":0.008076481521129608},{"text":"Well, thank you very much for opening up.","start":406.11002,"end":408.03,"sentiment":"positive","sentiment_score":0.4555213898420334},{"text":"I really do appreciate you giving that information.","start":408.03,"end":410.19,"sentiment":"positive","sentiment_score":0.599820151925087}],"sentiment":"positive","sentiment_score":0.4220448087738908,"num_words":23,"start":400.99,"end":410.19},{"sentences":[{"text":"It can be very difficult to sort of relive some of those things.","start":410.19,"end":413.635,"sentiment":"neutral","sentiment_score":0.1647841345805388},{"text":"I really appreciate it.","start":413.635,"end":414.67502,"sentiment":"positive","sentiment_score":0.5317719131708145},{"text":"I never want you to feel like you get you have to give me more than you're comfortable doing, but just to make sure that I'm working harder for you and make sure that I have as much information as possible.","start":414.67502,"end":423.635,"sentiment":"neutral","sentiment_score":0.15779980599153332},{"text":"I do sometimes have to ask some very difficult questions, but thank you so much for answering that one for me.","start":423.635,"end":428.52002,"sentiment":"neutral","sentiment_score":0.12008582640971456},{"text":"Now the good thing is with the workers' compensation claim continuing to the age of 67, that does take you up until age pension eligibility.","start":430.34003,"end":437.64,"sentiment":"neutral","sentiment_score":0.26194368183612826}],"sentiment":"neutral","sentiment_score":0.19047565238836867,"num_words":104,"start":410.19,"end":437.64},{"sentences":[{"text":"So when we get to 67, we can always look at, you know, age pension eligibility.","start":438.695,"end":443.675,"sentiment":"neutral","sentiment_score":0.20404180698096752},{"text":"I can help you with that along those lines, looking at what you're able to get, how you're able to get it, and how that works for you.","start":443.735,"end":450.235,"sentiment":"neutral","sentiment_score":0.3039197799350534},{"text":"With your contribution still going into I'm not a 100% sure whether they will continue.","start":451.69,"end":458.35,"sentiment":"neutral","sentiment_score":-0.05880154743790626},{"text":"Do you have they mentioned or are you aware if the employer's contributions will continue through to eight sixty seven into your Aware Super, or is that supposed to stop?","start":458.41,"end":468.775,"sentiment":"neutral","sentiment_score":-0.03108923602849245},{"text":"Continue.","start":472.915,"end":473.415,"sentiment":"neutral","sentiment_score":-0.0401545874774456}],"sentiment":"neutral","sentiment_score":0.11021742077751293,"num_words":90,"start":438.695,"end":473.415},{"sentences":[{"text":"Yep.","start":474.755,"end":475.255,"sentiment":"neutral","sentiment_score":0.041429437696933746},{"text":"Continue that.","start":476.83502,"end":477.89502,"sentiment":"neutral","sentiment_score":0.044186800718307495},{"text":"Yep.","start":478.035,"end":478.535,"sentiment":"neutral","sentiment_score":0.0786280632019043},{"text":"Yep.","start":479.31,"end":479.62997,"sentiment":"neutral","sentiment_score":0.08729897439479828},{"text":"No.","start":479.62997,"end":479.87,"sentiment":"neutral","sentiment_score":0.18353545665740967}],"sentiment":"neutral","sentiment_score":0.0798775888979435,"num_words":6,"start":474.755,"end":479.87},{"sentences":[{"text":"That's fantastic.","start":479.87,"end":480.68997,"sentiment":"positive","sentiment_score":0.5212073177099228},{"text":"That's really good because that will definitely make a bit of a difference there.","start":480.75,"end":483.97,"sentiment":"positive","sentiment_score":0.6147662826946804},{"text":"The other thing I was able to have a look at is with your insurances.","start":484.34998,"end":488.61,"sentiment":"neutral","sentiment_score":0.16238284409046172},{"text":"So you've had your TPD paid out to your super, which is fantastic.","start":488.75,"end":492.37,"sentiment":"neutral","sentiment_score":0.318410571378011},{"text":"When I spoke to Aware, because you did originally have an income protection policy in there, they've noted that there's a current open claim.","start":493.24503,"end":501.105,"sentiment":"neutral","sentiment_score":-0.008761883538682014}],"sentiment":"neutral","sentiment_score":0.23549908055129515,"num_words":68,"start":479.87,"end":501.105},{"sentences":[{"text":"Are you aware that there's a an income protection claim in progress, or is that something that you've been looking into?","start":501.325,"end":507.345,"sentiment":"neutral","sentiment_score":-0.014871496563067748},{"text":"Yep.","start":520.66,"end":521.16,"sentiment":"neutral","sentiment_score":-0.0637887716293335},{"text":"Yes.","start":523.925,"end":524.425,"sentiment":"neutral","sentiment_score":0.025153806433081627},{"text":"Yep.","start":524.565,"end":525.065,"sentiment":"neutral","sentiment_score":0.02882297709584236},{"text":"Because yeah.","start":525.365,"end":529.945,"sentiment":"neutral","sentiment_score":0.0016061272472143173}],"sentiment":"neutral","sentiment_score":-0.012265429285784753,"num_words":26,"start":501.325,"end":529.945},{"sentences":[{"text":"Right.","start":535.045,"end":535.545,"sentiment":"neutral","sentiment_score":-0.0752066969871521},{"text":"Yeah.","start":544.25,"end":544.64996,"sentiment":"neutral","sentiment_score":-0.010220453143119812},{"text":"Because when I spoke to Aware, I spoke to the insurance team and they had a look and they had noted that on the March 30, they had received the information, and the claim had been sent to TAO.","start":544.64996,"end":556.945,"sentiment":"neutral","sentiment_score":-0.0042761817383460505},{"text":"So TAO is the underwriter for the Aware insurances, and TAO they said they'd sent everything to TAO, and it was in progress with TAO.","start":557.165,"end":566.385,"sentiment":"neutral","sentiment_score":-0.0012448582798242568},{"text":"I would like to if you're comfortable with us, so we can certainly help you with all this.","start":567.24,"end":571.4,"sentiment":"neutral","sentiment_score":0.3025185200903151}],"sentiment":"neutral","sentiment_score":0.06145254365124163,"num_words":84,"start":535.045,"end":571.4},{"sentences":[{"text":"You're we're your financial advisers, and we can organize an authority to speak to TAL and to liaise with them on your behalf with regards to claim.","start":571.4,"end":580.12,"sentiment":"neutral","sentiment_score":0.17070544373106072},{"text":"We just need to get an authority completed to do that.","start":580.12,"end":583.475,"sentiment":"neutral","sentiment_score":0.04262909530238672},{"text":"Are you comfortable with us having an authority signed, having that applied to the tower claim so we can kinda help you with that?","start":583.535,"end":591.71497,"sentiment":"neutral","sentiment_score":0.16805811785161495},{"text":"Yeah.","start":594.575,"end":594.975,"sentiment":"neutral","sentiment_score":0.12895888090133667},{"text":"Yeah.","start":594.975,"end":595.29,"sentiment":"neutral","sentiment_score":0.1687624305486679}],"sentiment":"neutral","sentiment_score":0.1470169245149009,"num_words":64,"start":571.4,"end":595.29},{"sentences":[{"text":"You may as well use us while you can.","start":595.37,"end":596.97,"sentiment":"neutral","sentiment_score":0.2430963781144884},{"text":"We can do a lot of the hard questions and liaising with the insurer around the claim and helping you out with that.","start":596.97,"end":603.47,"sentiment":"neutral","sentiment_score":0.280085577265076},{"text":"And unlike the lawyers, you don't pay us an additional fee for doing that.","start":603.76996,"end":607.76996,"sentiment":"neutral","sentiment_score":0.09082864969968796},{"text":"Essentially, you're an ongoing client.","start":607.76996,"end":610.445,"sentiment":"neutral","sentiment_score":0.2561854958534241},{"text":"So, you know, the advice we do provide in relation to all of this and they're helping you with the claims process, all of that is still all part of the fee that you're paying us currently.","start":610.585,"end":620.025,"sentiment":"neutral","sentiment_score":0.3179351731732085}],"sentiment":"neutral","sentiment_score":0.2607496098022569,"num_words":88,"start":595.37,"end":620.025},{"sentences":[{"text":"So there's no additional cost to you for us helping you out this way.","start":620.025,"end":623.46497,"sentiment":"positive","sentiment_score":0.41962646692991257},{"text":"Okay?","start":623.46497,"end":623.96497,"sentiment":"neutral","sentiment_score":0.15085530281066897},{"text":"It's okay.","start":628.01996,"end":628.83997,"sentiment":"neutral","sentiment_score":0.13971824944019318},{"text":"It's honestly okay.","start":628.89996,"end":630.19995,"sentiment":"positive","sentiment_score":0.5647554794947306},{"text":"We're here to help now.","start":630.33997,"end":631.54,"sentiment":"positive","sentiment_score":0.6012417554855347}],"sentiment":"positive","sentiment_score":0.4402215021848679,"num_words":25,"start":620.025,"end":631.54},{"sentences":[{"text":"We'll make sure we are.","start":631.54,"end":633.0,"sentiment":"positive","sentiment_score":0.3666796088218689},{"text":"The other thing I wanted to sort of find out now, you do owe about 10,000 to the solicitors for the claims process they went through.","start":633.54,"end":642.38495,"sentiment":"neutral","sentiment_score":-0.0842101019448959},{"text":"You need to take that out of super.","start":643.725,"end":645.485,"sentiment":"neutral","sentiment_score":-0.2910364493727684},{"text":"Is that right?","start":645.485,"end":646.38495,"sentiment":"neutral","sentiment_score":-0.08603646357854207},{"text":"Mhmm.","start":652.11,"end":652.61,"sentiment":"neutral","sentiment_score":-0.006474661640822887}],"sentiment":"neutral","sentiment_score":-0.06858000590271035,"num_words":43,"start":631.54,"end":652.61},{"sentences":[{"text":"Yep.","start":658.1175,"end":658.6175,"sentiment":"neutral","sentiment_score":0.032623227685689926},{"text":"Mhmm.","start":664.445,"end":664.945,"sentiment":"neutral","sentiment_score":0.06798789650201797},{"text":"Yeah.","start":670.365,"end":670.865,"sentiment":"neutral","sentiment_score":0.09493852406740189},{"text":"Absolutely.","start":670.925,"end":671.425,"sentiment":"neutral","sentiment_score":0.1190485805273056},{"text":"Can I ask how much is the mortgage that you have left on the property?","start":672.205,"end":675.905,"sentiment":"neutral","sentiment_score":0.038430513938268025}],"sentiment":"neutral","sentiment_score":0.04689768093981241,"num_words":19,"start":658.1175,"end":675.905},{"sentences":[{"text":"Okay.","start":679.325,"end":679.825,"sentiment":"neutral","sentiment_score":0.007422883994877338},{"text":"Yeah.","start":686.98,"end":687.48,"sentiment":"neutral","sentiment_score":0.001980850473046303},{"text":"So 100 and 32,000.","start":689.06,"end":690.83997,"sentiment":"neutral","sentiment_score":0.0017870583978947252},{"text":"Mhmm.","start":698.635,"end":699.135,"sentiment":"neutral","sentiment_score":0.01353388000279665},{"text":"Yep.","start":700.315,"end":700.815,"sentiment":"neutral","sentiment_score":0.05137874186038971}],"sentiment":"neutral","sentiment_score":0.010183073740336113,"num_words":8,"start":679.325,"end":700.815},{"sentences":[{"text":"How much are you sort of wanting to reduce the loan by?","start":700.955,"end":704.41504,"sentiment":"neutral","sentiment_score":0.008388623129576445},{"text":"Okay.","start":708.74,"end":709.24,"sentiment":"neutral","sentiment_score":0.08724901080131531},{"text":"Yeah.","start":720.5,"end":720.81995,"sentiment":"neutral","sentiment_score":0.12697087228298187},{"text":"Yeah.","start":720.81995,"end":721.06,"sentiment":"neutral","sentiment_score":0.14754581451416016},{"text":"Absolutely.","start":721.06,"end":721.56,"sentiment":"neutral","sentiment_score":0.18959146738052368}],"sentiment":"neutral","sentiment_score":0.04075129015836865,"num_words":16,"start":700.955,"end":721.56},{"sentences":[{"text":"Yeah.","start":724.725,"end":724.7472,"sentiment":"neutral","sentiment_score":0.1274004727602005},{"text":"Yeah.","start":724.7472,"end":724.7694,"sentiment":"neutral","sentiment_score":0.16117475926876068},{"text":"Absolutely.","start":724.7694,"end":724.7916,"sentiment":"neutral","sentiment_score":0.2128838002681732},{"text":"Well, what we can look at doing to help you out is I can update your advice document.","start":724.7916,"end":726.345,"sentiment":"neutral","sentiment_score":0.1752376121779283},{"text":"We can look at we'll probably have to retain the the two accounts, the Aware and the Hub 24 at the moment because you are getting your contributions into the Aware super.","start":727.365,"end":738.22,"sentiment":"neutral","sentiment_score":0.11332680005580187}],"sentiment":"neutral","sentiment_score":0.13739988025066988,"num_words":53,"start":724.725,"end":738.22},{"sentences":[{"text":"It's best to kind of I don't know if we can change that.","start":738.22,"end":741.98,"sentiment":"neutral","sentiment_score":-0.025100475607010033},{"text":"I will look into whether we can.","start":741.98,"end":743.33997,"sentiment":"neutral","sentiment_score":0.044243423002106805},{"text":"But because you also got the income protection claim in progress, if we go forward with that claim and you are able to claim something on the income protection policy, it has become the aware will stay have have to stay open for that purpose.","start":743.33997,"end":757.26495,"sentiment":"neutral","sentiment_score":0.07089753258559439},{"text":"Yes.","start":759.805,"end":760.305,"sentiment":"neutral","sentiment_score":0.11017883569002151},{"text":"So we will get the authority.","start":760.52496,"end":762.685,"sentiment":"neutral","sentiment_score":0.1067262093226115}],"sentiment":"neutral","sentiment_score":0.054504483834736876,"num_words":72,"start":738.22,"end":762.685},{"sentences":[{"text":"I'll get my my claims department to sort of help us with this one.","start":762.685,"end":766.65,"sentiment":"neutral","sentiment_score":0.13982876177345002},{"text":"We'll get the admin team to send an authority.","start":766.65,"end":769.31,"sentiment":"neutral","sentiment_score":0.09639287408855227},{"text":"I've got the contact details with Taos, so we'll give them a call and get the authority that needs to be signed.","start":769.45,"end":774.11,"sentiment":"neutral","sentiment_score":0.09725950048728423},{"text":"And then we can get that signed from yourself, and then we can apply that.","start":774.65,"end":778.865,"sentiment":"neutral","sentiment_score":0.080215751628081},{"text":"And we can find out a bit more detail about when the claim was submitted, whether it's still ongoing, what's happening with it, what they're waiting on, and how that looks.","start":778.865,"end":787.125,"sentiment":"neutral","sentiment_score":0.06304953493658573}],"sentiment":"neutral","sentiment_score":0.0892595538439659,"num_words":91,"start":762.685,"end":787.125},{"sentences":[{"text":"And then we can also sort of have a look at whether it's worth moving forward with that claim or whether it should might impact your workers' compensation.","start":788.225,"end":795.56,"sentiment":"neutral","sentiment_score":0.037276083270886114},{"text":"Because your your workers' compensation, last time we caught up, you were receiving about 80% of your income.","start":796.5,"end":804.44,"sentiment":"neutral","sentiment_score":-0.019788454700675275},{"text":"Is that still how much you're receiving income wise from workers' compensation?","start":804.5,"end":809.085,"sentiment":"neutral","sentiment_score":-0.007972724425295988},{"text":"Okay.","start":809.945,"end":810.445,"sentiment":"neutral","sentiment_score":-0.020082013681530952},{"text":"Because if you are with income protection, you can't normally claim more than 70% of your, pre disability income.","start":811.305,"end":823.29004,"sentiment":"neutral","sentiment_score":-0.06205163817656668}],"sentiment":"neutral","sentiment_score":-0.00778458570727171,"num_words":78,"start":788.225,"end":823.29004},{"sentences":[{"text":"So if you are on the workers' compensation and you're getting more than, that 70%, then the income protection claim won't pay, because your workers' compensation is seen as income, essentially.","start":823.59,"end":836.165,"sentiment":"neutral","sentiment_score":-0.08594733789082497},{"text":"So there is a chance that the income protection claim may not may not be the way forward, that it may be this may not be approved, essentially.","start":838.305,"end":848.9,"sentiment":"neutral","sentiment_score":-0.13826263935438224},{"text":"And with the amount you're getting from in from the workers' compensation, how much are you receiving on a weekly or fortnightly or monthly basis from them at the moment?","start":851.28,"end":859.86005,"sentiment":"neutral","sentiment_score":-0.024596319409708182},{"text":"Yep.","start":864.295,"end":864.795,"sentiment":"neutral","sentiment_score":0.008306003175675869},{"text":"Yep.","start":866.855,"end":867.355,"sentiment":"neutral","sentiment_score":0.008242557756602764}],"sentiment":"neutral","sentiment_score":-0.07974793843843125,"num_words":91,"start":823.59,"end":867.355},{"sentences":[{"text":"Yep.","start":871.255,"end":871.755,"sentiment":"neutral","sentiment_score":0.017316024750471115},{"text":"Yeah.","start":877.23,"end":877.63,"sentiment":"neutral","sentiment_score":0.010448881424963474},{"text":"You did.","start":877.63,"end":878.27,"sentiment":"neutral","sentiment_score":0.0057739499025046825},{"text":"You did.","start":878.27,"end":879.01,"sentiment":"neutral","sentiment_score":0.004678821656852961},{"text":"You did a very good job.","start":882.03,"end":883.89,"sentiment":"positive","sentiment_score":0.4294138600428899}],"sentiment":"neutral","sentiment_score":0.21876280079595745,"num_words":12,"start":871.255,"end":883.89},{"sentences":[{"text":"You've definitely given me a lot more than most times.","start":885.39,"end":887.95,"sentiment":"positive","sentiment_score":0.4341494619846344},{"text":"That's fantastic.","start":887.95,"end":888.85004,"sentiment":"positive","sentiment_score":0.5647265315055847},{"text":"No.","start":889.23,"end":889.39,"sentiment":"neutral","sentiment_score":0.006819896399974823},{"text":"That's really good.","start":889.39,"end":890.53,"sentiment":"neutral","sentiment_score":0.03866017237305641},{"text":"And I know with your mortgage and your bills expenditure at the moment, is the amount that you're receiving from workers' compensation, is that covering your expenditure?","start":891.005,"end":900.385,"sentiment":"neutral","sentiment_score":0.025307011238678737}],"sentiment":"neutral","sentiment_score":0.1459776139493252,"num_words":43,"start":885.39,"end":900.385},{"sentences":[{"text":"Are you finding that you've got enough to live on, or do you need anything additional in to support that?","start":900.525,"end":906.305,"sentiment":"neutral","sentiment_score":-0.013877267576754093},{"text":"Yeah.","start":915.74,"end":916.24,"sentiment":"neutral","sentiment_score":-0.18319980800151825},{"text":"Yeah.","start":928.165,"end":928.665,"sentiment":"neutral","sentiment_score":0.008467935025691986},{"text":"Yep.","start":931.125,"end":931.525,"sentiment":"neutral","sentiment_score":0.034936126321554184},{"text":"Yep.","start":931.525,"end":931.845,"sentiment":"neutral","sentiment_score":0.043000172823667526}],"sentiment":"neutral","sentiment_score":-0.0155975385569036,"num_words":24,"start":900.525,"end":931.845},{"sentences":[{"text":"That's okay.","start":931.845,"end":932.665,"sentiment":"neutral","sentiment_score":0.12038741260766983},{"text":"Okay.","start":939.14,"end":939.64,"sentiment":"neutral","sentiment_score":-0.1397375464439392},{"text":"So no.","start":942.74,"end":944.18,"sentiment":"neutral","sentiment_score":-0.2860845550894737},{"text":"That's understandable.","start":944.18,"end":945.0,"sentiment":"neutral","sentiment_score":-0.22861694544553757},{"text":"This we've had a lot going on, and it definitely takes time.","start":945.54,"end":948.635,"sentiment":"neutral","sentiment_score":-0.2746619830528895}],"sentiment":"neutral","sentiment_score":-0.2223320799438577,"num_words":19,"start":931.845,"end":948.635},{"sentences":[{"text":"Cash flow and budgeting can definitely take time, especially when we've been working, earning a significant income, and then we're off work due to illness or injury and things go wrong, and we're still having the same amount of bills come out, but our income decreases.","start":948.635,"end":961.615,"sentiment":"neutral","sentiment_score":-0.3194495209533235},{"text":"It can definitely take a bit of a toll.","start":961.755,"end":963.56,"sentiment":"negative","sentiment_score":-0.4381766716639201},{"text":"So it's completely understandable.","start":963.56,"end":965.18,"sentiment":"neutral","sentiment_score":-0.15190627798438072},{"text":"Yeah.","start":971.95996,"end":972.45996,"sentiment":"neutral","sentiment_score":-0.12621501088142395},{"text":"Yeah.","start":982.915,"end":983.415,"sentiment":"neutral","sentiment_score":-0.2751837968826294}],"sentiment":"neutral","sentiment_score":-0.322086752926717,"num_words":61,"start":948.635,"end":983.415},{"sentences":[{"text":"Yes.","start":990.93,"end":991.43,"sentiment":"neutral","sentiment_score":-0.019813349470496178},{"text":"Okay.","start":995.25,"end":995.75,"sentiment":"neutral","sentiment_score":-0.013061977922916412},{"text":"So given your age, so you're 61 this year.","start":996.69,"end":1000.47,"sentiment":"neutral","sentiment_score":-0.0069033985233141314},{"text":"So, realistically, because you're over the age of 60 and not working, we can look to supplement the income that you are receiving and start to draw a little bit out of super.","start":1002.215,"end":1014.555,"sentiment":"neutral","sentiment_score":-0.004001312804493037},{"text":"I will just do some research to make sure that it's not gonna impact your workers' compensation amounts at all.","start":1014.8,"end":1020.07996,"sentiment":"neutral","sentiment_score":-0.010356853157281876}],"sentiment":"neutral","sentiment_score":-0.00678416093433043,"num_words":64,"start":990.93,"end":1020.07996},{"sentences":[{"text":"It shouldn't, because income from super when you're over 60 is completely tax free and is not considered income for the purposes of employment and tax and things like that.","start":1020.07996,"end":1031.175,"sentiment":"neutral","sentiment_score":-0.10636395240823428},{"text":"Did you want us to maybe look at as part of the advice maybe trying to draw a little bit of income at maybe a lump sum to replenish or give you some extra money, or did you want to sort of maybe draw a regular income out on a fortnightly or weekly basis to sort of support your income needs?","start":1031.9551,"end":1049.2101,"sentiment":"neutral","sentiment_score":0.020598034359148292},{"text":"Yep.","start":1062.5751,"end":1063.0751,"sentiment":"neutral","sentiment_score":-0.004832459148019552},{"text":"Yep.","start":1077.07,"end":1077.57,"sentiment":"neutral","sentiment_score":-0.004427204839885235},{"text":"That's absolutely fine.","start":1088.235,"end":1089.935,"sentiment":"neutral","sentiment_score":0.24465196331342062}],"sentiment":"neutral","sentiment_score":-0.012601481774860682,"num_words":96,"start":1020.07996,"end":1089.935},{"sentences":[{"text":"Okay.","start":1098.0751,"end":1098.5751,"sentiment":"neutral","sentiment_score":0.0818081647157669},{"text":"Yep.","start":1105.46,"end":1105.96,"sentiment":"neutral","sentiment_score":0.14714694023132324},{"text":"That's okay.","start":1106.9,"end":1107.62,"sentiment":"neutral","sentiment_score":0.30814142525196075},{"text":"Would you like us to do you have a mortgage broker or someone that you can speak to, or would you like us to refer you through to a mortgage broker that might be able to assist and look at what they can do to help you?","start":1107.62,"end":1119.085,"sentiment":"neutral","sentiment_score":0.12573273368972412},{"text":"We did.","start":1122.505,"end":1123.145,"sentiment":"neutral","sentiment_score":-0.03927890956401825}],"sentiment":"neutral","sentiment_score":0.12596450225924546,"num_words":53,"start":1098.0751,"end":1123.145},{"sentences":[{"text":"Yep.","start":1123.145,"end":1123.645,"sentiment":"neutral","sentiment_score":-0.0994184911251068},{"text":"Yeah.","start":1129.55,"end":1130.05,"sentiment":"neutral","sentiment_score":-0.17854344844818115},{"text":"Okay.","start":1144.195,"end":1144.695,"sentiment":"neutral","sentiment_score":-0.024530967697501183},{"text":"Yep.","start":1146.4349,"end":1146.9349,"sentiment":"neutral","sentiment_score":0.011475814506411552},{"text":"Yep.","start":1147.235,"end":1147.735,"sentiment":"neutral","sentiment_score":0.023790908977389336}],"sentiment":"neutral","sentiment_score":-0.05344523675739765,"num_words":5,"start":1123.145,"end":1147.735},{"sentences":[{"text":"Yes.","start":1152.755,"end":1153.255,"sentiment":"neutral","sentiment_score":0.004955950193107128},{"text":"Yep.","start":1159.98,"end":1160.4601,"sentiment":"neutral","sentiment_score":-0.03898047283291817},{"text":"Yep.","start":1160.4601,"end":1160.9601,"sentiment":"neutral","sentiment_score":-0.13909810781478882},{"text":"Yeah.","start":1162.4601,"end":1162.9601,"sentiment":"neutral","sentiment_score":-0.07993639260530472},{"text":"Of course.","start":1164.38,"end":1165.12,"sentiment":"neutral","sentiment_score":-0.0449709128588438}],"sentiment":"neutral","sentiment_score":-0.0571668081295987,"num_words":6,"start":1152.755,"end":1165.12},{"sentences":[{"text":"Yeah.","start":1168.78,"end":1169.28,"sentiment":"neutral","sentiment_score":-0.022648973390460014},{"text":"Yep.","start":1169.74,"end":1170.24,"sentiment":"neutral","sentiment_score":-0.008034389466047287},{"text":"Yeah.","start":1171.365,"end":1171.765,"sentiment":"neutral","sentiment_score":0.14207583665847778},{"text":"Absolutely.","start":1171.765,"end":1172.265,"sentiment":"neutral","sentiment_score":0.2708314061164856},{"text":"One thing at a time.","start":1172.405,"end":1173.525,"sentiment":"neutral","sentiment_score":0.2092260330915451}],"sentiment":"neutral","sentiment_score":0.15870600504179797,"num_words":9,"start":1168.78,"end":1173.525},{"sentences":[{"text":"Just feel free to call me if you have any problems or need any help or, you know, if there's anything that you just wanna to this fact, you just wanna have a chat.","start":1173.525,"end":1182.345,"sentiment":"neutral","sentiment_score":0.2261353604057256},{"text":"I'm here as your adviser to support you.","start":1182.885,"end":1184.82,"sentiment":"positive","sentiment_score":0.3681377060711384},{"text":"I'm more than happy to talk you through things if I can help, if I can find some information, or if there's anything I can do or refer you to someone, I will absolutely do that for you.","start":1184.82,"end":1194.0,"sentiment":"positive","sentiment_score":0.44484016652169983},{"text":"We just wanna work in a way that supports you, looks after your super, make sure you're, you know, working towards your goals because even from here, you've still got you know, most people live in those time of years from 60 plus for ten, twenty, thirty, forty odd years.","start":1194.86,"end":1210.7949,"sentiment":"neutral","sentiment_score":0.3002815988659859},{"text":"So you still got a lot of longevity ahead of you, and we just wanna make sure we continue to update the advice and are here to help you sort you know, make sure we're looking after your goals moving forward.","start":1210.7949,"end":1222.3401,"sentiment":"neutral","sentiment_score":0.3267776613555303}],"sentiment":"neutral","sentiment_score":0.32719060987756965,"num_words":171,"start":1173.525,"end":1222.3401},{"sentences":[{"text":"Okay?","start":1222.48,"end":1222.98,"sentiment":"neutral","sentiment_score":0.2487551271915436},{"text":"That's okay.","start":1224.015,"end":1224.8351,"sentiment":"positive","sentiment_score":0.3654279410839081},{"text":"Perfect.","start":1225.935,"end":1226.435,"sentiment":"neutral","sentiment_score":0.1353607326745987},{"text":"So what would you would you like me to just start with something simple?","start":1226.5751,"end":1232.1951,"sentiment":"neutral","sentiment_score":0.28133183824164526},{"text":"Did you want to just maybe withdraw some funds out to cover the cost of the solicitor's fees and maybe put some money on the mortgage, or did you just wanna take some money out to get the solicitor's fees completed?","start":1232.9751,"end":1246.7,"sentiment":"neutral","sentiment_score":0.16567634482209276}],"sentiment":"neutral","sentiment_score":0.20078555279869145,"num_words":59,"start":1222.48,"end":1246.7},{"sentences":[{"text":"What would you like to do as the next step?","start":1246.7599,"end":1249.34,"sentiment":"neutral","sentiment_score":0.09590819031000138},{"text":"No.","start":1260.615,"end":1260.9349,"sentiment":"neutral","sentiment_score":-0.24672628939151764},{"text":"No.","start":1260.9349,"end":1261.255,"sentiment":"neutral","sentiment_score":-0.24152787029743197},{"text":"So we can honestly draw it out of the Hub twenty 4 account.","start":1261.255,"end":1264.695,"sentiment":"neutral","sentiment_score":-0.12359869078947948},{"text":"Your balance in Hub twenty four is a little bit higher than it is in the Aware.","start":1264.695,"end":1269.0901,"sentiment":"neutral","sentiment_score":-0.17386962341911652}],"sentiment":"neutral","sentiment_score":-0.09742235321374167,"num_words":42,"start":1246.7599,"end":1269.0901},{"sentences":[{"text":"So the Aware account at the moment, the current balance with the rundown I have is last balance, $101,009.79 and 7¢.","start":1269.15,"end":1281.81,"sentiment":"neutral","sentiment_score":0.03834597542881966},{"text":"Within hub twenty four, your current balance there is I'm sorry.","start":1282.245,"end":1289.205,"sentiment":"neutral","sentiment_score":-0.02772743356498805},{"text":"I'm just going back to my other screen.","start":1289.205,"end":1291.0651,"sentiment":"neutral","sentiment_score":-0.07969741383567452},{"text":"It is.","start":1295.65,"end":1296.2101,"sentiment":"neutral","sentiment_score":0.0018699972424656153},{"text":"Yeah.","start":1296.2101,"end":1296.53,"sentiment":"neutral","sentiment_score":0.02761264704167843}],"sentiment":"neutral","sentiment_score":-0.003435926899934808,"num_words":43,"start":1269.15,"end":1296.53},{"sentences":[{"text":"So 309239.","start":1296.53,"end":1299.99,"sentiment":"neutral","sentiment_score":0.04600892961025238},{"text":"So we can actually physically do the withdrawal from hub twenty four.","start":1300.05,"end":1304.0701,"sentiment":"neutral","sentiment_score":0.18130956341822943},{"text":"We just need to essentially have a form signed to note that you're no longer working, that you meet the condition of release.","start":1304.37,"end":1314.745,"sentiment":"neutral","sentiment_score":0.06710342459542595},{"text":"So you're not physically working at all and you're over 60, which meets that condition of release, which means you can draw the funds down completely tax free.","start":1314.745,"end":1322.38,"sentiment":"neutral","sentiment_score":0.15387121907302312},{"text":"We can take it out of the aware account if you'd like to.","start":1322.76,"end":1325.64,"sentiment":"neutral","sentiment_score":0.1283014061359259}],"sentiment":"neutral","sentiment_score":0.12547979230443254,"num_words":78,"start":1296.53,"end":1325.64},{"sentences":[{"text":"It's just a little bit can be a little bit longer of a process because we've gotta get the form signed central where they sell things down to your bank account can take a little bit longer.","start":1325.64,"end":1335.565,"sentiment":"neutral","sentiment_score":-0.026227471494191402},{"text":"Whereas with Hub twenty four, we can physically do all that for you and complete the withdrawal and monitor it a little bit easier.","start":1335.565,"end":1342.1449,"sentiment":"neutral","sentiment_score":0.2658116252472003},{"text":"But it's up to you on how you would like to proceed with it.","start":1343.6449,"end":1347.0249,"sentiment":"neutral","sentiment_score":0.2172656516943659},{"text":"Yep.","start":1350.03,"end":1350.53,"sentiment":"neutral","sentiment_score":0.13027726113796234},{"text":"Yep.","start":1354.91,"end":1355.41,"sentiment":"neutral","sentiment_score":0.11405980587005617}],"sentiment":"neutral","sentiment_score":0.11292362014775152,"num_words":77,"start":1325.64,"end":1355.41},{"sentences":[{"text":"Yes.","start":1362.315,"end":1362.815,"sentiment":"neutral","sentiment_score":0.10393746942281724},{"text":"Yes.","start":1365.0349,"end":1365.5349,"sentiment":"neutral","sentiment_score":0.07194644957780838},{"text":"Yes.","start":1368.955,"end":1369.455,"sentiment":"neutral","sentiment_score":0.23177459836006165},{"text":"Yes.","start":1381.1599,"end":1381.6599,"sentiment":"neutral","sentiment_score":0.2448384165763855},{"text":"Yeah.","start":1382.7599,"end":1383.24,"sentiment":"neutral","sentiment_score":0.1106005758047104}],"sentiment":"neutral","sentiment_score":0.15261950194835663,"num_words":5,"start":1362.315,"end":1383.24},{"sentences":[{"text":"Yeah.","start":1383.24,"end":1383.6399,"sentiment":"neutral","sentiment_score":0.05630388855934143},{"text":"We yeah.","start":1383.6399,"end":1385.4199,"sentiment":"neutral","sentiment_score":0.05403025820851326},{"text":"I definitely wanna do that.","start":1385.48,"end":1387.1,"sentiment":"positive","sentiment_score":0.4292496144771576},{"text":"Yeah.","start":1387.3999,"end":1387.8999,"sentiment":"neutral","sentiment_score":0.1228271871805191},{"text":"Yeah.","start":1393.995,"end":1394.395,"sentiment":"neutral","sentiment_score":-0.03835204243659973}],"sentiment":"neutral","sentiment_score":0.23950876221060752,"num_words":10,"start":1383.24,"end":1394.395},{"sentences":[{"text":"Definitely.","start":1394.395,"end":1394.895,"sentiment":"neutral","sentiment_score":0.04619310796260834},{"text":"No.","start":1402.0901,"end":1402.41,"sentiment":"neutral","sentiment_score":-0.1227412447333336},{"text":"We normally only like to keep about 10,000 in that account, and I do wanna just update the advice to reflect that.","start":1402.41,"end":1410.65,"sentiment":"neutral","sentiment_score":0.06956181471998041},{"text":"I'm also looking at your hub twenty four account, and I've done a bit of a review of the investments in there.","start":1410.65,"end":1415.87,"sentiment":"neutral","sentiment_score":0.0722852958874269},{"text":"And there are some changes we'd like to make.","start":1417.385,"end":1420.585,"sentiment":"neutral","sentiment_score":0.019982789953549702}],"sentiment":"neutral","sentiment_score":0.05861697102134878,"num_words":55,"start":1394.395,"end":1420.585},{"sentences":[{"text":"So one of your investments in hub twenty four at the moment is underperforming.","start":1420.585,"end":1424.205,"sentiment":"neutral","sentiment_score":-0.32220110510076794},{"text":"So I would like to move that investment out of there and replace it, maybe update your risk profile within Hub twenty four, reevaluate the investments within Aware as well to make sure that everything is in line with your risk capacity, just to make sure you're not taking on too much risk because the markets are still quite up and down.","start":1425.225,"end":1445.1799,"sentiment":"neutral","sentiment_score":-0.12366689495261639},{"text":"They are volatile.","start":1445.1799,"end":1446.1599,"sentiment":"negative","sentiment_score":-0.4623192250728607},{"text":"And just look at whether we need to keep a where open anymore or whether it can be closed off, but it all comes down to whether that income protection claim is viable or whether you won't be able to claim the income protection.","start":1447.5449,"end":1461.96,"sentiment":"neutral","sentiment_score":-0.13978674804622476},{"text":"So we just need to finalize that bit of research with Taos.","start":1462.02,"end":1466.02,"sentiment":"neutral","sentiment_score":0.027146319548288982}],"sentiment":"neutral","sentiment_score":-0.14362949417145163,"num_words":135,"start":1420.585,"end":1466.02},{"sentences":[{"text":"So sorry.","start":1466.02,"end":1466.76,"sentiment":"neutral","sentiment_score":-0.11063714325428009},{"text":"Yeah.","start":1469.38,"end":1469.88,"sentiment":"neutral","sentiment_score":0.031080860644578937},{"text":"Yeah.","start":1471.54,"end":1472.04,"sentiment":"neutral","sentiment_score":0.07977285236120224},{"text":"Yep.","start":1473.025,"end":1473.525,"sentiment":"neutral","sentiment_score":0.11274795979261398},{"text":"Yeah.","start":1482.3049,"end":1482.785,"sentiment":"neutral","sentiment_score":-0.008924275636672974}],"sentiment":"neutral","sentiment_score":-0.0010994815578063328,"num_words":6,"start":1466.02,"end":1482.785},{"sentences":[{"text":"No.","start":1482.785,"end":1483.025,"sentiment":"neutral","sentiment_score":-0.12783238291740415},{"text":"No.","start":1483.025,"end":1483.525,"sentiment":"neutral","sentiment_score":-0.12877720594406128},{"text":"Hub yeah.","start":1483.665,"end":1485.2899,"sentiment":"neutral","sentiment_score":-0.031779928132891655},{"text":"No.","start":1485.2899,"end":1485.45,"sentiment":"neutral","sentiment_score":-0.08841384202241898},{"text":"Hub twenty four would definitely accept smaller payments.","start":1485.45,"end":1488.27,"sentiment":"neutral","sentiment_score":0.17599873431026936}],"sentiment":"neutral","sentiment_score":0.0768774297948067,"num_words":13,"start":1482.785,"end":1488.27},{"sentences":[{"text":"So so long as the workers' compensation claim, the employer contributions can be paid into Hub twenty four, then they absolutely will accept them.","start":1488.4099,"end":1499.45,"sentiment":"neutral","sentiment_score":0.2353609586134553},{"text":"There's, yeah, no no issue with that in any way, shape, or form.","start":1499.45,"end":1503.885,"sentiment":"neutral","sentiment_score":0.08805283502890514},{"text":"Yeah.","start":1506.585,"end":1507.085,"sentiment":"neutral","sentiment_score":-0.009161988273262978},{"text":"That yeah.","start":1510.585,"end":1511.705,"sentiment":"neutral","sentiment_score":-0.04160752892494202},{"text":"Having a look at the last advice document, it was kept because you needed to retain the that you had.","start":1511.705,"end":1518.05,"sentiment":"neutral","sentiment_score":-0.1718251474201679}],"sentiment":"neutral","sentiment_score":0.05440783112620314,"num_words":60,"start":1488.4099,"end":1518.05},{"sentences":[{"text":"It looks like we were unable to get new cover at that time.","start":1518.05,"end":1521.43,"sentiment":"negative","sentiment_score":-0.40897836077671784},{"text":"So Aware was kept open to keep your contributions going in to retain the level of insurances that you had until such time as you don't need them again.","start":1522.13,"end":1532.315,"sentiment":"neutral","sentiment_score":0.12634338168748493},{"text":"So it's really important that we update the advice.","start":1532.315,"end":1535.595,"sentiment":"neutral","sentiment_score":0.14949821887744796},{"text":"We reevaluate your goals and make changes to the investments as well every so often because investments, you know, that might have been good a couple of years ago might not be any you know, might need to alter or might not be any good anymore.","start":1535.595,"end":1550.17,"sentiment":"neutral","sentiment_score":-0.0300945020078317},{"text":"We might need to change them.","start":1550.17,"end":1551.53,"sentiment":"neutral","sentiment_score":-0.11284528548518817}],"sentiment":"neutral","sentiment_score":-0.022997043267326447,"num_words":103,"start":1518.05,"end":1551.53},{"sentences":[{"text":"So I'd love to go back and just reevaluate the investments, have a look at the risk level you're taking, see if we can find a better performing portfolio for you, and also look at whether we can consolidate that or whether the Aware needs to stay open for you.","start":1551.53,"end":1568.005,"sentiment":"neutral","sentiment_score":0.15123850531876087},{"text":"Are you comfortable with me doing that for you?","start":1568.005,"end":1570.4249,"sentiment":"neutral","sentiment_score":0.08655278384685516},{"text":"Yeah.","start":1572.8,"end":1573.3,"sentiment":"neutral","sentiment_score":0.20188459753990173},{"text":"Yep.","start":1576.24,"end":1576.74,"sentiment":"neutral","sentiment_score":0.06700563430786133},{"text":"No.","start":1582.48,"end":1582.88,"sentiment":"neutral","sentiment_score":-0.1556750237941742}],"sentiment":"neutral","sentiment_score":0.13635670207440853,"num_words":62,"start":1551.53,"end":1582.88},{"sentences":[{"text":"That's okay.","start":1582.88,"end":1583.94,"sentiment":"neutral","sentiment_score":-0.06654245406389236},{"text":"Can I ask you with the claim for workers' compensation, when you were getting those payments put through, did they ask you what Superfund to pay your contributions to, or was that just something they worked out automatically?","start":1584.7949,"end":1597.9349,"sentiment":"neutral","sentiment_score":-0.023410143379710223},{"text":"Yep.","start":1611.91,"end":1612.41,"sentiment":"neutral","sentiment_score":-0.04058711975812912},{"text":"Okay.","start":1616.395,"end":1616.895,"sentiment":"neutral","sentiment_score":-0.04443685710430145},{"text":"Probably discontinued.","start":1618.875,"end":1619.775,"sentiment":"neutral","sentiment_score":-0.07452228665351868}],"sentiment":"neutral","sentiment_score":-0.028562247880141844,"num_words":44,"start":1582.88,"end":1619.775},{"sentences":[{"text":"Yep.","start":1620.3151,"end":1620.635,"sentiment":"neutral","sentiment_score":0.012615753337740898},{"text":"That's okay.","start":1620.635,"end":1621.4551,"sentiment":"neutral","sentiment_score":0.090989138931036},{"text":"I'll do some research to see if we can have those contributions moved into Hub to try to consolidate everything.","start":1621.8351,"end":1627.675,"sentiment":"neutral","sentiment_score":0.10230876170098782},{"text":"Because, realistically, if we can move everything from Aware into Hub 24, having everything invested in one place does give you you have more money, makes more money.","start":1627.675,"end":1639.02,"sentiment":"neutral","sentiment_score":0.28299279138445854},{"text":"So it does ultimately provide a greater benefit.","start":1639.02,"end":1642.08,"sentiment":"positive","sentiment_score":0.33736836537718773}],"sentiment":"neutral","sentiment_score":0.21802566689833747,"num_words":59,"start":1620.3151,"end":1642.08},{"sentences":[{"text":"But I'll do the research first.","start":1643.745,"end":1645.745,"sentiment":"neutral","sentiment_score":-0.014132764811317125},{"text":"I don't wanna do anything that's gonna impact you, and the first part of my research just needs to be around that income protection claim with Cal to see what's happening there, what we can do to help, and whether or not the claim is gonna go through or not.","start":1645.745,"end":1660.51,"sentiment":"neutral","sentiment_score":-0.023935501091182233},{"text":"And then we can look at how best to sort of structure things as well for you.","start":1661.6901,"end":1666.27,"sentiment":"neutral","sentiment_score":0.09265477056888972},{"text":"Okay?","start":1666.33,"end":1666.83,"sentiment":"neutral","sentiment_score":0.11752870678901672},{"text":"All good.","start":1668.765,"end":1669.245,"sentiment":"positive","sentiment_score":0.3940660208463669}],"sentiment":"neutral","sentiment_score":0.015779213220077127,"num_words":76,"start":1643.745,"end":1669.245},{"sentences":[{"text":"And in the meantime, did you want us to organize a a bit of a withdrawal?","start":1669.245,"end":1673.485,"sentiment":"neutral","sentiment_score":0.15898688975721598},{"text":"We can do it quickly as a transaction without seeking advice, and that's just you directing us to withdraw some money as much as you need to cover any large bills, to pay the solicitors, to sort of give you some funds in the short term to support you a little bit more.","start":1673.485,"end":1691.57,"sentiment":"positive","sentiment_score":0.3612387632986285},{"text":"Did you want me to organize that as a matter of priority?","start":1691.71,"end":1694.85,"sentiment":"neutral","sentiment_score":0.1626886191467444},{"text":"Yep.","start":1714.42,"end":1714.92,"sentiment":"neutral","sentiment_score":-0.019480025395751},{"text":"Mhmm.","start":1737.555,"end":1738.035,"sentiment":"neutral","sentiment_score":-0.03501385450363159}],"sentiment":"neutral","sentiment_score":0.28418330410607606,"num_words":83,"start":1669.245,"end":1738.035},{"sentences":[{"text":"Yeah.","start":1738.035,"end":1738.535,"sentiment":"neutral","sentiment_score":-0.0224649291485548},{"text":"Yep.","start":1738.835,"end":1739.335,"sentiment":"neutral","sentiment_score":-0.02131127566099167},{"text":"Yes.","start":1748.97,"end":1749.47,"sentiment":"neutral","sentiment_score":-0.1591813564300537},{"text":"Mhmm.","start":1773.6599,"end":1774.1599,"sentiment":"neutral","sentiment_score":0.02836691401898861},{"text":"Yep.","start":1778.0599,"end":1778.5599,"sentiment":"neutral","sentiment_score":0.02266824245452881}],"sentiment":"neutral","sentiment_score":-0.030384480953216553,"num_words":5,"start":1738.035,"end":1778.5599},{"sentences":[{"text":"Yep.","start":1781.895,"end":1782.395,"sentiment":"neutral","sentiment_score":0.1310092806816101},{"text":"Yep.","start":1791.5751,"end":1792.0751,"sentiment":"neutral","sentiment_score":0.17953269183635712},{"text":"Yep.","start":1795.52,"end":1796.0,"sentiment":"neutral","sentiment_score":0.13647449016571045},{"text":"Absolutely.","start":1796.0,"end":1796.5,"sentiment":"neutral","sentiment_score":0.21241912245750427},{"text":"And did you want us to organize sorry.","start":1796.72,"end":1799.22,"sentiment":"neutral","sentiment_score":0.0582919311709702}],"sentiment":"neutral","sentiment_score":0.0938142528757453,"num_words":12,"start":1781.895,"end":1799.22},{"sentences":[{"text":"Yes.","start":1800.72,"end":1801.22,"sentiment":"neutral","sentiment_score":0.05039788782596588},{"text":"Yeah.","start":1806.8451,"end":1807.165,"sentiment":"neutral","sentiment_score":0.017971768975257874},{"text":"So it's taking 50.","start":1807.165,"end":1809.245,"sentiment":"neutral","sentiment_score":0.019453415414318442},{"text":"That's 10,000 there and 40.","start":1809.245,"end":1811.885,"sentiment":"neutral","sentiment_score":0.01211134884506464},{"text":"You said you owed a 132.","start":1811.885,"end":1813.7251,"sentiment":"neutral","sentiment_score":-0.007383216870948672}],"sentiment":"neutral","sentiment_score":0.009555338909301688,"num_words":17,"start":1800.72,"end":1813.7251},{"sentences":[{"text":"So, yeah, it gives you a little over that under that $100,000 mark.","start":1813.7251,"end":1818.145,"sentiment":"neutral","sentiment_score":0.05845777948315327},{"text":"Yeah.","start":1818.3651,"end":1818.8651,"sentiment":"neutral","sentiment_score":0.07869270443916321},{"text":"Yep.","start":1819.005,"end":1819.505,"sentiment":"neutral","sentiment_score":0.20808756351470947},{"text":"Perfect.","start":1820.69,"end":1821.19,"sentiment":"positive","sentiment_score":0.4694444239139557},{"text":"And did you want us to organize that withdrawal from Hub twenty four, or would you like us to withdraw it out of the Aware Super?","start":1821.41,"end":1828.39,"sentiment":"neutral","sentiment_score":0.08527627773582935}],"sentiment":"neutral","sentiment_score":0.0888895011019139,"num_words":42,"start":1813.7251,"end":1828.39},{"sentences":[{"text":"It's completely up to you.","start":1828.53,"end":1830.15,"sentiment":"neutral","sentiment_score":0.1065378725528717},{"text":"We can do either.","start":1830.21,"end":1831.51,"sentiment":"neutral","sentiment_score":0.07286480022594333},{"text":"Hub twenty four, we obviously have more control over.","start":1831.57,"end":1834.39,"sentiment":"neutral","sentiment_score":0.002055921902259191},{"text":"Yep.","start":1860.3,"end":1860.8,"sentiment":"neutral","sentiment_score":-0.03639906272292137},{"text":"Yeah.","start":1863.6749,"end":1864.075,"sentiment":"neutral","sentiment_score":0.03848637640476227}],"sentiment":"neutral","sentiment_score":0.042236958723515274,"num_words":20,"start":1828.53,"end":1864.075},{"sentences":[{"text":"I mean, with the hub twenty four, we can withdraw it out of individual investments to make it a little bit faster, or we can do it pro rata.","start":1864.075,"end":1872.075,"sentiment":"neutral","sentiment_score":0.1390537177694255},{"text":"Pro rata could take a couple of days.","start":1872.075,"end":1874.335,"sentiment":"neutral","sentiment_score":0.13892429415136576},{"text":"We can also request that once we submit the withdrawal because we're withdrawing less than 80% of the balance, that they pay that out before the withdrawals are completed, so it can be a lot faster to do it from hub twenty four.","start":1874.875,"end":1887.23,"sentiment":"neutral","sentiment_score":0.22857838210671447},{"text":"So we could have this withdrawal done.","start":1887.77,"end":1889.85,"sentiment":"positive","sentiment_score":0.35195956911359516},{"text":"As long as we get everything signed today, we can have this withdrawal processed within, you know, two to three days, essentially.","start":1889.85,"end":1897.505,"sentiment":"neutral","sentiment_score":0.28055499612607737}],"sentiment":"neutral","sentiment_score":0.21659403208882436,"num_words":109,"start":1864.075,"end":1897.505},{"sentences":[{"text":"With Aware, it can take them about a week depending on how they draw things down.","start":1897.565,"end":1903.985,"sentiment":"neutral","sentiment_score":-0.05567833373788744},{"text":"Yeah.","start":1908.01,"end":1908.51,"sentiment":"neutral","sentiment_score":0.032637763768434525},{"text":"Yep.","start":1921.995,"end":1922.495,"sentiment":"neutral","sentiment_score":0.0160537026822567},{"text":"That's okay.","start":1933.915,"end":1934.655,"sentiment":"neutral","sentiment_score":0.056118374690413475},{"text":"Mhmm.","start":1943.59,"end":1944.09,"sentiment":"neutral","sentiment_score":-0.15639424324035645}],"sentiment":"neutral","sentiment_score":-0.042205684153097014,"num_words":21,"start":1897.565,"end":1944.09},{"sentences":[{"text":"Yeah.","start":1955.895,"end":1956.2151,"sentiment":"neutral","sentiment_score":0.004121778532862663},{"text":"Yeah.","start":1956.2151,"end":1956.4551,"sentiment":"neutral","sentiment_score":0.013415908440947533},{"text":"Absolutely.","start":1956.4551,"end":1956.9551,"sentiment":"neutral","sentiment_score":0.00798705779016018},{"text":"Yep.","start":1959.415,"end":1959.915,"sentiment":"neutral","sentiment_score":0.05382075905799866},{"text":"Yep.","start":1959.9751,"end":1960.295,"sentiment":"neutral","sentiment_score":0.05450095981359482}],"sentiment":"neutral","sentiment_score":0.02676929272711277,"num_words":5,"start":1955.895,"end":1960.295},{"sentences":[{"text":"And that's what we'll do as part of the advice.","start":1960.295,"end":1962.395,"sentiment":"neutral","sentiment_score":0.055277307704091075},{"text":"Yeah.","start":1963.015,"end":1963.515,"sentiment":"neutral","sentiment_score":0.042816415429115295},{"text":"Yes.","start":1977.165,"end":1977.405,"sentiment":"neutral","sentiment_score":0.07151404023170471},{"text":"It'll take me to do the research properly, it'll take us about one to two weeks to complete the research before updating the advice for you.","start":1977.405,"end":1986.045,"sentiment":"neutral","sentiment_score":0.01006944957547463},{"text":"So that's why I'm sort of thinking if we withdraw this now quickly, that gets the solicitor's bill sorted for you and give you some money now.","start":1986.045,"end":1993.52,"sentiment":"neutral","sentiment_score":0.21604141910318975}],"sentiment":"neutral","sentiment_score":0.10403119288384914,"num_words":65,"start":1960.295,"end":1993.52},{"sentences":[{"text":"And then we can reevaluate everything with the advice and look at how that benefits moving forward.","start":1993.9,"end":2000.62,"sentiment":"neutral","sentiment_score":0.25724773459574757},{"text":"Does that make sense?","start":2000.62,"end":2001.68,"sentiment":"neutral","sentiment_score":0.15965692698955536},{"text":"Yeah.","start":2005.635,"end":2006.135,"sentiment":"neutral","sentiment_score":-0.06835828721523285},{"text":"No.","start":2008.6749,"end":2008.835,"sentiment":"neutral","sentiment_score":-0.1278677135705948},{"text":"That's okay.","start":2008.835,"end":2009.655,"sentiment":"neutral","sentiment_score":0.00002670101821422577}],"sentiment":"neutral","sentiment_score":0.19262666389346123,"num_words":25,"start":1993.9,"end":2009.655},{"sentences":[{"text":"Yep.","start":2019.05,"end":2019.55,"sentiment":"neutral","sentiment_score":0.00990197341889143},{"text":"Yep.","start":2023.69,"end":2024.19,"sentiment":"neutral","sentiment_score":0.1564117670059204},{"text":"That's okay.","start":2024.8099,"end":2025.61,"sentiment":"neutral","sentiment_score":0.21008941531181335},{"text":"Do you wanna give them a call and find out if they're happy for it to be in, you know, a week or so's time, and we just take that money from Aware?","start":2025.61,"end":2034.27,"sentiment":"neutral","sentiment_score":0.20185822496811548},{"text":"Yep.","start":2037.345,"end":2037.845,"sentiment":"neutral","sentiment_score":0.12656113505363464}],"sentiment":"neutral","sentiment_score":0.1940625034223654,"num_words":38,"start":2019.05,"end":2037.845},{"sentences":[{"text":"Yeah.","start":2047.2101,"end":2047.53,"sentiment":"neutral","sentiment_score":0.05254314094781875},{"text":"Yeah.","start":2047.53,"end":2048.03,"sentiment":"neutral","sentiment_score":0.05999184027314186},{"text":"That's that's absolutely fine.","start":2048.6501,"end":2050.6501,"sentiment":"neutral","sentiment_score":0.2685765065252781},{"text":"Yeah.","start":2050.6501,"end":2050.97,"sentiment":"neutral","sentiment_score":0.15677255392074585},{"text":"That's absolutely fine.","start":2050.97,"end":2052.43,"sentiment":"neutral","sentiment_score":0.2805888503789902}],"sentiment":"neutral","sentiment_score":0.21853801123797895,"num_words":10,"start":2047.2101,"end":2052.43},{"sentences":[{"text":"No.","start":2056.73,"end":2056.97,"sentiment":"neutral","sentiment_score":-0.11007318645715714},{"text":"Well, in all honesty, if they've got a bit of time, if they want the money quicker, Hub twenty four is easier to take it out of.","start":2056.97,"end":2064.1948,"sentiment":"neutral","sentiment_score":-0.07103060999954189},{"text":"But because realistically with the advice we'd be trying to consolidate Aware into Hub twenty four, it does it is more beneficial to take it out of the industry fund.","start":2064.1948,"end":2075.015,"sentiment":"neutral","sentiment_score":0.035446733608841895},{"text":"It's just that it can be a longer process to take money out of the industry fund because they have their set processes that take three to five days to receive and process things and then the withdrawal.","start":2075.34,"end":2085.6,"sentiment":"neutral","sentiment_score":0.007608022966642717},{"text":"They don't like to pay money up before they sell the investments down to to match it.","start":2085.74,"end":2090.8801,"sentiment":"neutral","sentiment_score":-0.0701578103882425}],"sentiment":"neutral","sentiment_score":-0.016531642053515313,"num_words":113,"start":2056.73,"end":2090.8801},{"sentences":[{"text":"So it can be a little bit longer of a process to do it that way.","start":2091.525,"end":2094.825,"sentiment":"neutral","sentiment_score":-0.0028362718876451254},{"text":"But if the if the solicitors are happy just to wait another week or so, we can get the form signed as quickly as possible so we can get everything done.","start":2096.4849,"end":2106.18,"sentiment":"neutral","sentiment_score":0.30592493184151187},{"text":"It'll be a transaction without advice.","start":2106.18,"end":2108.28,"sentiment":"neutral","sentiment_score":0.32240302860736847},{"text":"It's the quickest way to do the withdrawal for you.","start":2109.06,"end":2112.12,"sentiment":"neutral","sentiment_score":0.29444858580827715},{"text":"It's just us letting you know that we're not providing advice on this.","start":2112.6602,"end":2116.065,"sentiment":"neutral","sentiment_score":-0.18863872753886077}],"sentiment":"neutral","sentiment_score":0.1561170145869255,"num_words":76,"start":2091.525,"end":2116.065},{"sentences":[{"text":"Is the direction that you need the money now, that we're gonna do it as quickly as possible.","start":2116.145,"end":2120.325,"sentiment":"neutral","sentiment_score":-0.03050412444604768},{"text":"And it's just about noting that the funds will no longer be invested, that the money can take some time to sell down, and that, you know, you're comfortable not seeking advice on this withdrawal, that you just need these this money now to to pay these bills and to help you upfront.","start":2120.625,"end":2136.65,"sentiment":"neutral","sentiment_score":-0.03711750994454015},{"text":"And as long as you're comfortable with that, we can get the forms.","start":2137.1099,"end":2140.0698,"sentiment":"neutral","sentiment_score":0.23743584752082825},{"text":"We'll get them signed.","start":2140.0698,"end":2141.2898,"sentiment":"neutral","sentiment_score":0.2750716656446457},{"text":"We'll send everything to Aware, and then we'll follow-up with a phone call saying, hey, guys.","start":2141.99,"end":2146.405,"sentiment":"neutral","sentiment_score":0.2780882688239217}],"sentiment":"neutral","sentiment_score":0.058846756869640485,"num_words":104,"start":2116.145,"end":2146.405},{"sentences":[{"text":"This is important.","start":2146.405,"end":2147.2048,"sentiment":"neutral","sentiment_score":0.24856522679328918},{"text":"We need this done as quickly as possible, and we'll try to push it through as fast as possible on their end.","start":2147.2048,"end":2153.045,"sentiment":"neutral","sentiment_score":0.21131413904103366},{"text":"Does that make sense?","start":2153.045,"end":2154.185,"sentiment":"neutral","sentiment_score":0.07322571240365505},{"text":"Yeah.","start":2156.92,"end":2157.42,"sentiment":"neutral","sentiment_score":-0.19904962182044983},{"text":"Yep.","start":2170.5051,"end":2171.0051,"sentiment":"neutral","sentiment_score":-0.2645154893398285}],"sentiment":"neutral","sentiment_score":0.16851433799151452,"num_words":31,"start":2146.405,"end":2171.0051},{"sentences":[{"text":"Yeah.","start":2172.585,"end":2173.085,"sentiment":"neutral","sentiment_score":-0.0682864859700203},{"text":"The other option is if you are really unsure and you just want us to provide that personal advice is we can do the research.","start":2173.145,"end":2180.445,"sentiment":"neutral","sentiment_score":-0.10382750183343888},{"text":"We'll need to obviously get the TPA applied to TAO and do the research with them first up.","start":2181.625,"end":2187.26,"sentiment":"neutral","sentiment_score":-0.01703292814393838},{"text":"So we can do some research and try to provide the advice.","start":2187.4802,"end":2191.9001,"sentiment":"neutral","sentiment_score":0.026795594332118828},{"text":"It'll it normally takes us about a week or two.","start":2192.28,"end":2194.84,"sentiment":"neutral","sentiment_score":-0.016093119420111178}],"sentiment":"neutral","sentiment_score":-0.042575012130493466,"num_words":66,"start":2172.585,"end":2194.84},{"sentences":[{"text":"Normally, about two weeks because we have to incorporate the TAO income protection policy into this research.","start":2194.84,"end":2200.495,"sentiment":"neutral","sentiment_score":-0.03161476048476556},{"text":"So in about sort of two to three weeks, we could have the advice completely done up for you, which tells you where to withdraw the funds from, what we're gonna do to the investments, and how best to move forward and structure everything to make it better for you.","start":2201.355,"end":2215.9402,"sentiment":"neutral","sentiment_score":0.13532708942890168},{"text":"But that's a little bit longer to get personalized advice.","start":2216.56,"end":2219.36,"sentiment":"negative","sentiment_score":-0.3731592774391174},{"text":"We have a quite a bit of research to do, so it will take a little bit longer to do that.","start":2219.36,"end":2223.795,"sentiment":"neutral","sentiment_score":-0.3308391585236504},{"text":"So I just sort of wanted to find out what's more preferable to yourself.","start":2223.795,"end":2227.255,"sentiment":"neutral","sentiment_score":-0.11902974625783307}],"sentiment":"neutral","sentiment_score":-0.054613642926727025,"num_words":112,"start":2194.84,"end":2227.255},{"sentences":[{"text":"No.","start":2239.3699,"end":2239.77,"sentiment":"neutral","sentiment_score":-0.2596684396266937},{"text":"That's okay.","start":2239.77,"end":2240.67,"sentiment":"neutral","sentiment_score":0.023842464201152325},{"text":"You can take you can take some time to have a think about it if you want.","start":2254.625,"end":2257.585,"sentiment":"positive","sentiment_score":0.39401473718530994},{"text":"You don't have to make the decision right this minute.","start":2257.585,"end":2260.005,"sentiment":"neutral","sentiment_score":0.17974278777837754},{"text":"Do you wanna take some time to have a think about what you'd like to do?","start":2263.24,"end":2266.3,"sentiment":"neutral","sentiment_score":0.19310004683211446}],"sentiment":"neutral","sentiment_score":0.24724555756572797,"num_words":46,"start":2239.3699,"end":2266.3},{"sentences":[{"text":"Yep.","start":2278.645,"end":2279.145,"sentiment":"neutral","sentiment_score":-0.11066658794879912},{"text":"No.","start":2280.165,"end":2280.405,"sentiment":"neutral","sentiment_score":-0.21269598603248596},{"text":"That that's okay.","start":2280.405,"end":2281.385,"sentiment":"neutral","sentiment_score":-0.10038184622923534},{"text":"That's alright.","start":2281.445,"end":2282.2651,"sentiment":"neutral","sentiment_score":0.15058929473161697},{"text":"Do you want me to just have the withdrawal process?","start":2282.405,"end":2286.0051,"sentiment":"neutral","sentiment_score":0.04591064304113388}],"sentiment":"neutral","sentiment_score":0.00798687689444598,"num_words":17,"start":2278.645,"end":2286.0051},{"sentences":[{"text":"I mean, I can just do the withdrawal out of Aware.","start":2286.0051,"end":2289.29,"sentiment":"neutral","sentiment_score":0.24842109869826923},{"text":"We just need you to sign the transaction without advice, and that way it gets processed.","start":2289.35,"end":2293.4302,"sentiment":"neutral","sentiment_score":0.32614099234342575},{"text":"It's completely tax free to yourself.","start":2293.4302,"end":2295.29,"sentiment":"positive","sentiment_score":0.5879402359326681},{"text":"And the sooner we start it, the easier it will be to have the funds on the mortgage and have the solicitor's bill completely paid and out of the way for you.","start":2295.6702,"end":2304.835,"sentiment":"positive","sentiment_score":0.6029546754434705},{"text":"One less thing to worry about.","start":2304.835,"end":2306.375,"sentiment":"positive","sentiment_score":0.46624121566613513}],"sentiment":"positive","sentiment_score":0.4728243139008401,"num_words":71,"start":2286.0051,"end":2306.375},{"sentences":[{"text":"Does that sound okay?","start":2310.035,"end":2311.255,"sentiment":"neutral","sentiment_score":0.10802641697227955},{"text":"Mhmm.","start":2318.03,"end":2318.53,"sentiment":"neutral","sentiment_score":0.12166927009820938},{"text":"Yep.","start":2327.3901,"end":2327.8901,"sentiment":"neutral","sentiment_score":0.11848247051239014},{"text":"She is.","start":2336.325,"end":2336.805,"sentiment":"neutral","sentiment_score":0.09076352044939995},{"text":"Yeah.","start":2336.805,"end":2337.045,"sentiment":"neutral","sentiment_score":0.07834823429584503}],"sentiment":"neutral","sentiment_score":0.10357029818826252,"num_words":9,"start":2310.035,"end":2337.045},{"sentences":[{"text":"I'll let her know that you'll be calling back to confirm.","start":2337.045,"end":2339.945,"sentiment":"neutral","sentiment_score":0.11371673711321571},{"text":"But, yeah, the the fastest and easiest way to do this while we do the research around the rest of the advice is to get you some money now so you can pay down the mortgage a little bit, have a bit of a buffer there as well, and also cover the solicitor's bill is to do it as a transaction without seeking advice.","start":2341.285,"end":2360.24,"sentiment":"neutral","sentiment_score":0.22895478724967688},{"text":"We'll just get you to sign the document.","start":2360.895,"end":2362.915,"sentiment":"neutral","sentiment_score":0.18252549413591623},{"text":"I'll outline the risks involved.","start":2363.135,"end":2365.075,"sentiment":"neutral","sentiment_score":0.1249901607632637},{"text":"We'll get the withdrawal form sorted as well, and we'll just need to get a bank statement off you that shows your bank account information because Aware will want to know where to pay the funds to, essentially.","start":2366.175,"end":2379.59,"sentiment":"neutral","sentiment_score":0.11406180380206359}],"sentiment":"neutral","sentiment_score":0.1771705856635457,"num_words":126,"start":2337.045,"end":2379.59},{"sentences":[{"text":"Yep.","start":2382.61,"end":2383.09,"sentiment":"neutral","sentiment_score":0.028877541422843933},{"text":"So we just need to see a bank statement or get your bank account information, you'll be seeing account number.","start":2383.09,"end":2390.55,"sentiment":"neutral","sentiment_score":0.057826214283704755},{"text":"And we can get those forms done up for you, get them signed nice and quickly, and then we can push that through as fast as possible.","start":2393.4148,"end":2400.2148,"sentiment":"neutral","sentiment_score":0.17345714403523338},{"text":"And that means you could have that money a little bit quicker, have it in the bank, gives you a buffer, and it pays the solicitor's bill.","start":2400.2148,"end":2406.7798,"sentiment":"neutral","sentiment_score":0.22677677207522923},{"text":"Does that sound okay?","start":2406.7798,"end":2408.16,"sentiment":"neutral","sentiment_score":0.12408610619604588}],"sentiment":"neutral","sentiment_score":0.1580767340109318,"num_words":79,"start":2382.61,"end":2408.16},{"sentences":[{"text":"Yep.","start":2410.38,"end":2410.88,"sentiment":"neutral","sentiment_score":0.26056772470474243},{"text":"That way they're not ringing you and going, hey.","start":2411.0999,"end":2413.3398,"sentiment":"neutral","sentiment_score":0.13228455930948257},{"text":"You owe us this money.","start":2413.3398,"end":2414.6199,"sentiment":"neutral","sentiment_score":0.09947099834680558},{"text":"Hurry up.","start":2414.6199,"end":2415.52,"sentiment":"neutral","sentiment_score":0.13307655975222588},{"text":"And and yep.","start":2417.98,"end":2423.9348,"sentiment":"neutral","sentiment_score":0.04857089122136434}],"sentiment":"neutral","sentiment_score":0.11801747716963291,"num_words":20,"start":2410.38,"end":2423.9348},{"sentences":[{"text":"Yes.","start":2424.155,"end":2424.655,"sentiment":"neutral","sentiment_score":0.03435206413269043},{"text":"Yes.","start":2425.755,"end":2426.2349,"sentiment":"neutral","sentiment_score":0.07737243175506592},{"text":"So Aware will have to pay that money into your bank account, and then you can have that transferred across to to the solicitor's account.","start":2426.2349,"end":2433.375,"sentiment":"neutral","sentiment_score":0.06222926750779152},{"text":"Okay?","start":2433.595,"end":2434.095,"sentiment":"neutral","sentiment_score":0.0922163650393486},{"text":"Perfect.","start":2436.7002,"end":2437.2002,"sentiment":"positive","sentiment_score":0.5130830407142639}],"sentiment":"neutral","sentiment_score":0.07837088239090197,"num_words":29,"start":2424.155,"end":2437.2002},{"sentences":[{"text":"So I'll do up a TWA for withdrawal.","start":2438.3801,"end":2441.1802,"sentiment":"neutral","sentiment_score":0.1536799632012844},{"text":"We want 50,000.","start":2441.1802,"end":2442.3801,"sentiment":"neutral","sentiment_score":0.10916115343570709},{"text":"Is that right?","start":2442.3801,"end":2443.28,"sentiment":"neutral","sentiment_score":0.11761962870756786},{"text":"Yep.","start":2445.4202,"end":2445.9001,"sentiment":"neutral","sentiment_score":0.2446712851524353},{"text":"From Aware Super ASAP.","start":2445.9001,"end":2448.1602,"sentiment":"positive","sentiment_score":0.4244280457496643}],"sentiment":"neutral","sentiment_score":0.2027455536942733,"num_words":19,"start":2438.3801,"end":2448.1602},{"sentences":[{"text":"Beautiful.","start":2450.125,"end":2450.625,"sentiment":"positive","sentiment_score":0.69075608253479},{"text":"And we will get that document out to you today.","start":2450.925,"end":2454.385,"sentiment":"positive","sentiment_score":0.43298362791538236},{"text":"Now with the bank statement side of things, is it easier if I maybe get Michelle to give you a call and get the information?","start":2458.0452,"end":2468.22,"sentiment":"neutral","sentiment_score":0.027878318876028062},{"text":"Or are you able to send us a copy of your just a bank statement that shows the BSB, the account, and your name?","start":2468.9202,"end":2476.62,"sentiment":"neutral","sentiment_score":0.008425338698240617},{"text":"It might do.","start":2489.9949,"end":2490.715,"sentiment":"neutral","sentiment_score":0.02252378190557162}],"sentiment":"neutral","sentiment_score":0.09503698108037786,"num_words":63,"start":2450.125,"end":2490.715},{"sentences":[{"text":"I'm just double checking your where's rules because some of the s super funds have changed where they might not request the actual statement be provided.","start":2490.715,"end":2499.11,"sentiment":"neutral","sentiment_score":-0.016873893686212026},{"text":"I might be able just to get Michelle to give you a call and get the details over the phone, but I just wanna check Aware's rules for you to make it as easy as possible.","start":2499.73,"end":2510.045,"sentiment":"neutral","sentiment_score":0.07889404660090804},{"text":"Let's have a look.","start":2521.065,"end":2522.045,"sentiment":"neutral","sentiment_score":0.011321647092700005},{"text":"Yeah.","start":2530.61,"end":2530.93,"sentiment":"neutral","sentiment_score":0.010780047625303268},{"text":"So it says here they specifically require a copy of your bank statement.","start":2530.93,"end":2535.19,"sentiment":"neutral","sentiment_score":-0.020028514930835135}],"sentiment":"neutral","sentiment_score":0.027464504796080293,"num_words":80,"start":2490.715,"end":2535.19},{"sentences":[{"text":"Yeah.","start":2538.93,"end":2539.43,"sentiment":"neutral","sentiment_score":0.00034064240753650665},{"text":"Copy of your current bank statement.","start":2541.645,"end":2543.5051,"sentiment":"neutral","sentiment_score":-0.01252508753289779},{"text":"This must show your account balance, Clarisse.","start":2543.5652,"end":2546.385,"sentiment":"neutral","sentiment_score":-0.0042246820604694745},{"text":"No.","start":2547.5652,"end":2547.8052,"sentiment":"neutral","sentiment_score":-0.1241522580385208},{"text":"Sorry.","start":2547.8052,"end":2548.0452,"sentiment":"neutral","sentiment_score":-0.16544902324676514}],"sentiment":"neutral","sentiment_score":-0.024623996156151406,"num_words":16,"start":2538.93,"end":2548.0452},{"sentences":[{"text":"It's hardship claims.","start":2548.0452,"end":2549.345,"sentiment":"neutral","sentiment_score":-0.18978154162565866},{"text":"For a lump sum withdrawal or changing payment details, you must provide the following, your member number and account, BSB, and proof of identity.","start":2550.845,"end":2560.2202,"sentiment":"neutral","sentiment_score":-0.04605776828248054},{"text":"Okay.","start":2560.36,"end":2560.86,"sentiment":"neutral","sentiment_score":0.014716511592268944},{"text":"So Certificate driver's license.","start":2561.0,"end":2572.075,"sentiment":"neutral","sentiment_score":0.009776439750567079},{"text":"Sorry.","start":2592.6902,"end":2593.1902,"sentiment":"neutral","sentiment_score":-0.01932341791689396}],"sentiment":"neutral","sentiment_score":-0.04970400639329896,"num_words":33,"start":2548.0452,"end":2593.1902},{"sentences":[{"text":"It looks like they actually should not require the bank statement itself.","start":2607.385,"end":2611.08,"sentiment":"neutral","sentiment_score":-0.06392356070379417},{"text":"They may just do a phone call to confirm the information with you, but they do want updated ID, which I believe we already have.","start":2611.32,"end":2621.26,"sentiment":"neutral","sentiment_score":0.009267008379101754},{"text":"So I yeah.","start":2621.8801,"end":2626.165,"sentiment":"neutral","sentiment_score":0.04599446306626002},{"text":"Did you wanna call the solicitors first and find out when they want the transaction, or would you just like us to organize it from where nice and quickly for you?","start":2626.165,"end":2636.425,"sentiment":"neutral","sentiment_score":0.06714490710967971},{"text":"Yep.","start":2640.1,"end":2640.6,"sentiment":"neutral","sentiment_score":0.09480178356170654}],"sentiment":"neutral","sentiment_score":0.024706524641563494,"num_words":72,"start":2607.385,"end":2640.6},{"sentences":[{"text":"Okay.","start":2650.02,"end":2650.52,"sentiment":"neutral","sentiment_score":0.07661935687065125},{"text":"Yep.","start":2651.3,"end":2651.8,"sentiment":"neutral","sentiment_score":0.012769652530550957},{"text":"Absolutely.","start":2653.545,"end":2654.045,"sentiment":"neutral","sentiment_score":0.1730797290802002},{"text":"Absolutely.","start":2655.385,"end":2655.885,"sentiment":"neutral","sentiment_score":0.160808265209198},{"text":"Absolutely.","start":2656.7449,"end":2657.2449,"sentiment":"neutral","sentiment_score":0.14088553190231323}],"sentiment":"neutral","sentiment_score":0.11283250711858273,"num_words":5,"start":2650.02,"end":2657.2449},{"sentences":[{"text":"No.","start":2658.185,"end":2658.425,"sentiment":"neutral","sentiment_score":0.07214271277189255},{"text":"That's perfect.","start":2658.425,"end":2659.065,"sentiment":"neutral","sentiment_score":0.2061767727136612},{"text":"Well, we will get that TWA done.","start":2659.065,"end":2660.825,"sentiment":"neutral","sentiment_score":0.18246306904724666},{"text":"I will get the benefit payment form sorted.","start":2660.825,"end":2663.7249,"sentiment":"neutral","sentiment_score":0.13825824297964573},{"text":"I will get Michelle to give you a call and get your bank information for the form.","start":2664.265,"end":2668.96,"sentiment":"neutral","sentiment_score":0.04491770168875947}],"sentiment":"neutral","sentiment_score":0.10375441754502909,"num_words":35,"start":2658.185,"end":2668.96},{"sentences":[{"text":"I don't wanna do it on this line because I don't do it on a recorded line.","start":2669.26,"end":2672.8599,"sentiment":"neutral","sentiment_score":-0.28828467078068676},{"text":"We have to turn the recording off, and I'm gonna be honest with you.","start":2672.8599,"end":2675.98,"sentiment":"neutral","sentiment_score":-0.2429845013788768},{"text":"I'm not that good at it.","start":2675.98,"end":2677.26,"sentiment":"negative","sentiment_score":-0.4491758545239766},{"text":"So Michelle knows what to do there.","start":2677.26,"end":2679.92,"sentiment":"neutral","sentiment_score":-0.12500460020133428},{"text":"So I'll get so I'll get her to give you a call to get your bank account details before the withdrawal form, and we'll make sure that it can be electronically signed.","start":2679.98,"end":2691.635,"sentiment":"neutral","sentiment_score":-0.041066105070058256}],"sentiment":"neutral","sentiment_score":-0.17351085675488176,"num_words":76,"start":2669.26,"end":2691.635},{"sentences":[{"text":"If we have to get it web signed, we'll let you know.","start":2691.635,"end":2693.875,"sentiment":"neutral","sentiment_score":0.0007550371810793877},{"text":"We'll do we'll do all the bits we need to make sure we understand what has to happen to make this as quick as possible for you.","start":2693.875,"end":2700.4402,"sentiment":"neutral","sentiment_score":0.037577911383575864},{"text":"And just confirming, you just wanna withdraw 50,000.","start":2700.6602,"end":2703.72,"sentiment":"neutral","sentiment_score":0.2571316547691822},{"text":"Yep.","start":2706.5,"end":2706.9001,"sentiment":"neutral","sentiment_score":0.26026463508605957},{"text":"Perfect.","start":2706.9001,"end":2707.4001,"sentiment":"positive","sentiment_score":0.4782005250453949}],"sentiment":"neutral","sentiment_score":0.07794249901662068,"num_words":49,"start":2691.635,"end":2707.4001},{"sentences":[{"text":"ASAP.","start":2708.34,"end":2708.84,"sentiment":"positive","sentiment_score":0.4261320829391479},{"text":"Beautiful.","start":2709.4602,"end":2709.9602,"sentiment":"positive","sentiment_score":0.623616635799408},{"text":"We can do that for you.","start":2710.26,"end":2711.9602,"sentiment":"positive","sentiment_score":0.5146690557400385},{"text":"Yeah.","start":2715.805,"end":2716.305,"sentiment":"neutral","sentiment_score":0.06197613105177879},{"text":"Yeah.","start":2721.005,"end":2721.505,"sentiment":"neutral","sentiment_score":0.0442032516002655}],"sentiment":"positive","sentiment_score":0.42439424358308314,"num_words":10,"start":2708.34,"end":2721.505},{"sentences":[{"text":"Isn't she beautiful?","start":2722.845,"end":2723.9849,"sentiment":"neutral","sentiment_score":-0.08395589888095856},{"text":"She is really, really sweet.","start":2726.76,"end":2728.7002,"sentiment":"positive","sentiment_score":0.42359638810157774},{"text":"Yeah.","start":2729.9602,"end":2730.4602,"sentiment":"neutral","sentiment_score":0.24433501064777377},{"text":"No.","start":2731.0,"end":2731.32,"sentiment":"neutral","sentiment_score":0.2661363482475281},{"text":"She is really beautiful.","start":2731.32,"end":2732.4402,"sentiment":"positive","sentiment_score":0.4778716117143631}],"sentiment":"neutral","sentiment_score":0.30629086068698336,"num_words":14,"start":2722.845,"end":2732.4402},{"sentences":[{"text":"So Michelle is gonna be she's my admin now, and she's been learning to do all the implementations and work with the kind of advice that I give, which is a lot around that retirement space, so quite complex advice scenarios.","start":2732.4402,"end":2745.855,"sentiment":"neutral","sentiment_score":0.1417060796080566},{"text":"And, yeah, she's really enjoying it.","start":2746.955,"end":2748.875,"sentiment":"positive","sentiment_score":0.6109498838583628},{"text":"She's a great person.","start":2748.875,"end":2750.415,"sentiment":"positive","sentiment_score":0.7543528378009796},{"text":"She's just so personable, and she's really, really good to speak to.","start":2750.475,"end":2755.36,"sentiment":"positive","sentiment_score":0.5642420028646787},{"text":"Yeah.","start":2755.82,"end":2756.32,"sentiment":"neutral","sentiment_score":0.16691264510154724}],"sentiment":"neutral","sentiment_score":0.30360744684003294,"num_words":64,"start":2732.4402,"end":2756.32},{"sentences":[{"text":"So whenever you need anything from us, we'll make sure Michelle's the one that you get to talk to there.","start":2756.4602,"end":2762.2402,"sentiment":"neutral","sentiment_score":0.0843657199293375},{"text":"And if you have any questions or concerns, you can ask for me.","start":2762.4602,"end":2766.78,"sentiment":"neutral","sentiment_score":0.07591067627072334},{"text":"I work Monday to Thursday, and I work anywhere up until 7PM at night.","start":2766.78,"end":2771.765,"sentiment":"neutral","sentiment_score":0.04945445193776062},{"text":"So I can call you at any time that you need.","start":2771.765,"end":2774.7449,"sentiment":"neutral","sentiment_score":0.07014490393075076},{"text":"Okay?","start":2774.885,"end":2775.385,"sentiment":"neutral","sentiment_score":0.055962543934583664}],"sentiment":"neutral","sentiment_score":0.07108596617640076,"num_words":59,"start":2756.4602,"end":2775.385},{"sentences":[{"text":"Yeah.","start":2777.765,"end":2778.265,"sentiment":"neutral","sentiment_score":0.1788632571697235},{"text":"Beautiful.","start":2778.4849,"end":2778.9849,"sentiment":"positive","sentiment_score":0.5641441941261292},{"text":"That's that's okay.","start":2783.13,"end":2784.0298,"sentiment":"neutral","sentiment_score":0.15088660518328348},{"text":"Before I let you go, I just wanted to update a few more, just some details here for you just for the advice.","start":2784.25,"end":2790.19,"sentiment":"neutral","sentiment_score":0.05372889226545458},{"text":"Now just sort of goals wise, I know at the moment, you're not sort of needing to draw anything out of super, and that's a half in this 50,000.","start":2791.5298,"end":2800.005,"sentiment":"neutral","sentiment_score":0.022166879719187474}],"sentiment":"neutral","sentiment_score":0.05393458422469465,"num_words":57,"start":2777.765,"end":2800.005},{"sentences":[{"text":"And that's okay.","start":2800.005,"end":2801.045,"sentiment":"neutral","sentiment_score":0.07401625066995621},{"text":"If anything changes down the track, you're welcome to let me know.","start":2801.045,"end":2804.265,"sentiment":"neutral","sentiment_score":0.08708669058978558},{"text":"But because the workers' compensation claim is expected to go until about the age of 67, do you think that at that time, you'll wanna start drawing an income out of super?","start":2805.445,"end":2815.5898,"sentiment":"neutral","sentiment_score":-0.004461256623471854},{"text":"Is that sort of where you think your goal might land for that?","start":2815.5898,"end":2818.97,"sentiment":"neutral","sentiment_score":0.012642745788280781},{"text":"Yes.","start":2831.125,"end":2831.625,"sentiment":"neutral","sentiment_score":-0.127049058675766}],"sentiment":"neutral","sentiment_score":0.019043204323083283,"num_words":61,"start":2800.005,"end":2831.625},{"sentences":[{"text":"Mhmm.","start":2843.93,"end":2844.43,"sentiment":"neutral","sentiment_score":-0.06710672378540039},{"text":"Yes.","start":2853.85,"end":2854.35,"sentiment":"neutral","sentiment_score":-0.08056332170963287},{"text":"No.","start":2859.155,"end":2859.655,"sentiment":"neutral","sentiment_score":-0.14081533253192902},{"text":"Definitely.","start":2859.715,"end":2860.215,"sentiment":"neutral","sentiment_score":-0.06122893840074539},{"text":"Yeah.","start":2874.07,"end":2874.57,"sentiment":"neutral","sentiment_score":0.004748111590743065}],"sentiment":"neutral","sentiment_score":-0.06899324096739293,"num_words":5,"start":2843.93,"end":2874.57},{"sentences":[{"text":"Yeah.","start":2875.11,"end":2875.61,"sentiment":"neutral","sentiment_score":0.07743145525455475},{"text":"Yeah.","start":2880.47,"end":2880.97,"sentiment":"neutral","sentiment_score":0.06705902516841888},{"text":"Yes.","start":2890.3452,"end":2890.8452,"sentiment":"neutral","sentiment_score":0.15558308362960815},{"text":"Yeah.","start":2890.905,"end":2891.405,"sentiment":"neutral","sentiment_score":0.15357297658920288},{"text":"So plan to downsize.","start":2901.6199,"end":2903.0,"sentiment":"neutral","sentiment_score":-0.09026030544191599}],"sentiment":"neutral","sentiment_score":0.011575664859265089,"num_words":8,"start":2875.11,"end":2903.0},{"sentences":[{"text":"No.","start":2910.2048,"end":2910.525,"sentiment":"neutral","sentiment_score":-0.1845388561487198},{"text":"No.","start":2910.525,"end":2910.845,"sentiment":"neutral","sentiment_score":-0.2314746379852295},{"text":"It's it's yeah.","start":2910.845,"end":2913.805,"sentiment":"neutral","sentiment_score":-0.17053969701131186},{"text":"No.","start":2913.805,"end":2914.045,"sentiment":"negative","sentiment_score":-0.3388170599937439},{"text":"It is definitely not enough for anyone to live on.","start":2914.045,"end":2917.585,"sentiment":"negative","sentiment_score":-0.4395869165658951}],"sentiment":"negative","sentiment_score":-0.3538949256762862,"num_words":16,"start":2910.2048,"end":2917.585},{"sentences":[{"text":"The good thing is I do a lot with the Centrelink space and age pension and assets and income testing and things like that.","start":2918.045,"end":2924.525,"sentiment":"positive","sentiment_score":0.37437724073727924},{"text":"So we can absolutely look at, you know, what we can do at that point, whether you're eligible, what that means for you, and how you draw down income from Super to supplement that for you.","start":2924.525,"end":2938.1802,"sentiment":"neutral","sentiment_score":0.2781705740425322},{"text":"Okay?","start":2938.2402,"end":2938.7402,"sentiment":"neutral","sentiment_score":0.08079179376363754},{"text":"Beautiful.","start":2940.815,"end":2941.315,"sentiment":"positive","sentiment_score":0.47368723154067993},{"text":"Okay.","start":2943.055,"end":2943.535,"sentiment":"neutral","sentiment_score":0.17909494042396543}],"sentiment":"neutral","sentiment_score":0.3132185461738753,"num_words":63,"start":2918.045,"end":2943.535},{"sentences":[{"text":"And you're looking to, down the track, sell the house and downsize a little bit.","start":2943.535,"end":2948.095,"sentiment":"neutral","sentiment_score":0.07093468507130941},{"text":"Do you know what when you're sort of thinking about doing that, would that be when you fully retire after age 67 or beforehand?","start":2948.095,"end":2954.4348,"sentiment":"neutral","sentiment_score":0.01964250540671249},{"text":"Or yep.","start":2954.7349,"end":2965.5999,"sentiment":"neutral","sentiment_score":0.07451849617064},{"text":"Perfect.","start":2965.98,"end":2966.48,"sentiment":"positive","sentiment_score":0.4591469168663025},{"text":"That's okay.","start":2966.94,"end":2967.8398,"sentiment":"positive","sentiment_score":0.40448541939258575}],"sentiment":"neutral","sentiment_score":0.06710443531417033,"num_words":44,"start":2943.535,"end":2967.8398},{"sentences":[{"text":"And is there any other goals that you're, you know, looking forward to down the track or that you have down the track that you're hoping to achieve?","start":2968.835,"end":2975.7349,"sentiment":"neutral","sentiment_score":0.20131389424204826},{"text":"Okay.","start":3006.775,"end":3007.095,"sentiment":"neutral","sentiment_score":0.021651577204465863},{"text":"Yep.","start":3007.095,"end":3007.595,"sentiment":"neutral","sentiment_score":0.015179943293333054},{"text":"Do you wanna keep that building?","start":3007.655,"end":3009.1948,"sentiment":"neutral","sentiment_score":0.007937888304392496},{"text":"Yeah.","start":3009.815,"end":3010.315,"sentiment":"neutral","sentiment_score":-0.004881259985268116}],"sentiment":"neutral","sentiment_score":0.15449639538151994,"num_words":37,"start":2968.835,"end":3010.315},{"sentences":[{"text":"Okay.","start":3038.935,"end":3039.435,"sentiment":"neutral","sentiment_score":-0.006971755065023899},{"text":"Yep.","start":3041.2551,"end":3041.7551,"sentiment":"neutral","sentiment_score":0.03645734488964081},{"text":"Yep.","start":3043.52,"end":3044.02,"sentiment":"neutral","sentiment_score":0.02421901375055313},{"text":"Right.","start":3048.32,"end":3048.82,"sentiment":"neutral","sentiment_score":-0.006242183968424797},{"text":"Yeah.","start":3064.845,"end":3065.345,"sentiment":"neutral","sentiment_score":-0.026812709867954258}],"sentiment":"neutral","sentiment_score":0.004129941947758197,"num_words":5,"start":3038.935,"end":3065.345},{"sentences":[{"text":"Absolutely.","start":3074.22,"end":3074.72,"sentiment":"neutral","sentiment_score":0.05501040816307068},{"text":"Are those shares held in a a company or a trust or anything?","start":3074.94,"end":3078.64,"sentiment":"neutral","sentiment_score":0.0003381306305527687},{"text":"In a trust.","start":3081.66,"end":3082.48,"sentiment":"neutral","sentiment_score":-0.005731900998701652},{"text":"Okay.","start":3082.54,"end":3083.04,"sentiment":"neutral","sentiment_score":0.010562222450971603},{"text":"Yep.","start":3094.145,"end":3094.645,"sentiment":"neutral","sentiment_score":0.014630569145083427}],"sentiment":"neutral","sentiment_score":0.003547536576852987,"num_words":19,"start":3074.22,"end":3094.645},{"sentences":[{"text":"Yes.","start":3102.1401,"end":3102.6401,"sentiment":"neutral","sentiment_score":0.012842735275626184},{"text":"Yes.","start":3104.46,"end":3104.96,"sentiment":"neutral","sentiment_score":-0.005624854937195778},{"text":"Yes.","start":3122.7249,"end":3123.2249,"sentiment":"neutral","sentiment_score":-0.013610083609819412},{"text":"Okay.","start":3141.175,"end":3141.4949,"sentiment":"neutral","sentiment_score":-0.019448284059762955},{"text":"Yeah.","start":3141.4949,"end":3141.7349,"sentiment":"neutral","sentiment_score":-0.0015794094651937485}],"sentiment":"neutral","sentiment_score":-0.005483979359269142,"num_words":5,"start":3102.1401,"end":3141.7349},{"sentences":[{"text":"So, sir, you're doing the non transactional ownership of shares.","start":3141.7349,"end":3145.335,"sentiment":"neutral","sentiment_score":-0.001280297664925456},{"text":"So transferring the contract between trustees without actually buying and selling.","start":3145.335,"end":3150.635,"sentiment":"neutral","sentiment_score":-0.004199369725855914},{"text":"Yep.","start":3153.09,"end":3153.33,"sentiment":"neutral","sentiment_score":0.0834437906742096},{"text":"Yep.","start":3153.33,"end":3153.81,"sentiment":"neutral","sentiment_score":0.10333973169326782},{"text":"That's understandable.","start":3153.81,"end":3154.79,"sentiment":"neutral","sentiment_score":0.21174530684947968}],"sentiment":"neutral","sentiment_score":0.022051123697310687,"num_words":25,"start":3141.7349,"end":3154.79},{"sentences":[{"text":"Perfect.","start":3155.4102,"end":3155.9102,"sentiment":"positive","sentiment_score":0.6166132688522339},{"text":"That's all good.","start":3157.01,"end":3158.1501,"sentiment":"positive","sentiment_score":0.6091696818669637},{"text":"All good.","start":3159.73,"end":3160.29,"sentiment":"positive","sentiment_score":0.5033237934112549},{"text":"So that's something that's gotta be done down the track.","start":3160.29,"end":3162.79,"sentiment":"neutral","sentiment_score":0.2231859087944031},{"text":"Absolutely.","start":3162.9302,"end":3163.4302,"sentiment":"neutral","sentiment_score":0.2114027738571167}],"sentiment":"positive","sentiment_score":0.3467077507692225,"num_words":17,"start":3155.4102,"end":3163.4302},{"sentences":[{"text":"And is there anything else that you might be hoping to achieve goal wise?","start":3166.9949,"end":3172.135,"sentiment":"neutral","sentiment_score":0.11721172130533627},{"text":"Or it's okay if there's 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that?","start":3194.595,"end":3201.075,"sentiment":"neutral","sentiment_score":0.05398144556040114},{"text":"Do you receive any income from that as a beneficiary?","start":3201.075,"end":3203.4949,"sentiment":"neutral","sentiment_score":0.03214660137891769}],"sentiment":"neutral","sentiment_score":0.05030323544869552,"num_words":37,"start":3188.79,"end":3203.4949},{"sentences":[{"text":"Yep.","start":3204.035,"end":3204.535,"sentiment":"neutral","sentiment_score":0.03227413445711136},{"text":"How much do you sort of averaging income from that on a yearly basis at the moment, or what was the okay.","start":3205.875,"end":3213.73,"sentiment":"neutral","sentiment_score":0.0289265078661794},{"text":"Family 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the moment.","start":3234.765,"end":3236.545,"sentiment":"neutral","sentiment_score":0.06821824610233307}],"sentiment":"neutral","sentiment_score":0.23110868478262866,"num_words":27,"start":3226.525,"end":3236.545},{"sentences":[{"text":"Have you had that, or has anyone had that valued for you recently?","start":3237.86,"end":3241.54,"sentiment":"neutral","sentiment_score":0.046657852398661465},{"text":"Do you know sort of what value the house would be at the moment?","start":3241.54,"end":3244.84,"sentiment":"neutral","sentiment_score":0.0028356024995446205},{"text":"Yep.","start":3257.895,"end":3258.395,"sentiment":"neutral","sentiment_score":-0.0015469081699848175},{"text":"Yep.","start":3269.98,"end":3270.48,"sentiment":"neutral","sentiment_score":0.005158940330147743},{"text":"Wow.","start":3274.22,"end":3274.72,"sentiment":"neutral","sentiment_score":-0.00012002140283584596}],"sentiment":"neutral","sentiment_score":0.02165808423111836,"num_words":30,"start":3237.86,"end":3274.72},{"sentences":[{"text":"Yeah.","start":3278.54,"end":3279.04,"sentiment":"neutral","sentiment_score":-0.08080457150936127},{"text":"Perfect.","start":3280.0598,"end":3280.5598,"sentiment":"negative","sentiment_score":-0.40509653091430664},{"text":"That's right.","start":3285.455,"end":3286.2751,"sentiment":"neutral","sentiment_score":-0.07904595881700516},{"text":"Yeah.","start":3286.3352,"end":3286.8352,"sentiment":"neutral","sentiment_score":-0.015768487006425858},{"text":"That's it.","start":3287.855,"end":3288.895,"sentiment":"neutral","sentiment_score":-0.02844254393130541}],"sentiment":"neutral","sentiment_score":-0.1023780849895307,"num_words":7,"start":3278.54,"end":3288.895},{"sentences":[{"text":"That's it.","start":3288.895,"end":3289.695,"sentiment":"neutral","sentiment_score":-0.0351148322224617},{"text":"No.","start":3289.695,"end":3290.0151,"sentiment":"neutral","sentiment_score":-0.12665268778800964},{"text":"That's okay.","start":3290.0151,"end":3290.8152,"sentiment":"neutral","sentiment_score":-0.05290439538657665},{"text":"I'll put a mill a million on there for you.","start":3290.8152,"end":3293.395,"sentiment":"neutral","sentiment_score":0.03635819386690855},{"text":"And other assets I like to sort of consider as well, do you have contents insurance?","start":3293.935,"end":3298.675,"sentiment":"neutral","sentiment_score":0.013702462310902774}],"sentiment":"neutral","sentiment_score":0.009036457827014307,"num_words":31,"start":3288.895,"end":3298.675},{"sentences":[{"text":"Yeah.","start":3321.7751,"end":3322.2751,"sentiment":"neutral","sentiment_score":-0.09782116115093233},{"text":"Yep.","start":3344.445,"end":3344.945,"sentiment":"neutral","sentiment_score":-0.052970074117183685},{"text":"That's okay.","start":3345.885,"end":3346.705,"sentiment":"neutral","sentiment_score":-0.12434528768062592},{"text":"Yep.","start":3353.565,"end":3354.065,"sentiment":"neutral","sentiment_score":0.05716827139258385},{"text":"That's okay.","start":3355.1199,"end":3355.94,"sentiment":"neutral","sentiment_score":0.13960423693060875}],"sentiment":"neutral","sentiment_score":-0.00901500933936664,"num_words":7,"start":3321.7751,"end":3355.94},{"sentences":[{"text":"What kind of car do you drive?","start":3357.28,"end":3358.98,"sentiment":"neutral","sentiment_score":0.0316103028931788},{"text":"Beautiful.","start":3368.645,"end":3369.045,"sentiment":"positive","sentiment_score":0.6081679463386536},{"text":"Beautiful.","start":3369.045,"end":3369.545,"sentiment":"positive","sentiment_score":0.5922221541404724},{"text":"And if you have to sell that car tomorrow, what do you think you'd want for it?","start":3370.085,"end":3374.5051,"sentiment":"neutral","sentiment_score":0.04784973086241413},{"text":"What's the value of TU?","start":3374.885,"end":3376.5051,"sentiment":"neutral","sentiment_score":-0.014421307761222125}],"sentiment":"neutral","sentiment_score":0.06977422924471958,"num_words":31,"start":3357.28,"end":3376.5051},{"sentences":[{"text":"That's okay.","start":3384.3,"end":3385.1199,"sentiment":"neutral","sentiment_score":-0.058951761573553085},{"text":"Did you if you yep.","start":3386.7,"end":3391.68,"sentiment":"neutral","sentiment_score":-0.022672830149531364},{"text":"Okay.","start":3395.645,"end":3396.145,"sentiment":"neutral","sentiment_score":-0.060699861496686935},{"text":"That's alright.","start":3399.485,"end":3400.205,"sentiment":"neutral","sentiment_score":0.04861769080162048},{"text":"If you like, I've got some access to some material.","start":3400.205,"end":3403.105,"sentiment":"neutral","sentiment_score":0.03631755169481039}],"sentiment":"neutral","sentiment_score":0.008422168157994746,"num_words":20,"start":3384.3,"end":3403.105},{"sentences":[{"text":"I can have a look and see what the the rough valuation is on those sorts of vehicles for you.","start":3403.165,"end":3407.905,"sentiment":"neutral","sentiment_score":0.0404434910044074},{"text":"Yeah.","start":3411.2402,"end":3411.7402,"sentiment":"neutral","sentiment_score":0.19846534729003903},{"text":"Beautiful.","start":3411.8,"end":3412.3,"sentiment":"positive","sentiment_score":0.4177960753440857},{"text":"And the shares that you have there in the trust, so that's okay.","start":3413.7202,"end":3416.9402,"sentiment":"neutral","sentiment_score":0.20096359573877776},{"text":"So having a look income wise, when you consider your growth you're receiving from the from the workers' compensation claim plus the 12,000, you're getting roughly on a yearly basis from the trust there as well.","start":3419.08,"end":3435.0852,"sentiment":"neutral","sentiment_score":0.14611323405471113}],"sentiment":"neutral","sentiment_score":0.1309540058210702,"num_words":71,"start":3403.165,"end":3435.0852},{"sentences":[{"text":"So you're earning roughly a bit over 80,000 per year income wise.","start":3435.225,"end":3439.55,"sentiment":"neutral","sentiment_score":0.028576612938195467},{"text":"Understandable.","start":3448.33,"end":3448.83,"sentiment":"neutral","sentiment_score":-0.15525558590888977},{"text":"There's a lot of bills in there with mortgage repayments and all the bits and pieces and food and living and no.","start":3449.21,"end":3456.7952,"sentiment":"neutral","sentiment_score":-0.12889541042121974},{"text":"That that's okay.","start":3456.7952,"end":3458.495,"sentiment":"neutral","sentiment_score":-0.11655532817045848},{"text":"So money is a bit tight at the moment.","start":3458.875,"end":3460.5552,"sentiment":"neutral","sentiment_score":-0.3075383421447542}],"sentiment":"neutral","sentiment_score":-0.12267119837726684,"num_words":47,"start":3435.225,"end":3460.5552},{"sentences":[{"text":"You're not really saving anything.","start":3460.5552,"end":3461.995,"sentiment":"neutral","sentiment_score":-0.2724876433610916},{"text":"Everything that's coming in is sort of going out towards the bills is what you're sort of finding.","start":3461.995,"end":3466.655,"sentiment":"neutral","sentiment_score":-0.1274814535346296},{"text":"Yeah.","start":3468.16,"end":3468.66,"sentiment":"neutral","sentiment_score":0.0328550860285759},{"text":"That's okay.","start":3471.2,"end":3472.1,"sentiment":"neutral","sentiment_score":0.13018321618437767},{"text":"All good.","start":3472.56,"end":3473.3,"sentiment":"neutral","sentiment_score":0.3285323828458786}],"sentiment":"neutral","sentiment_score":-0.0966720748692751,"num_words":28,"start":3460.5552,"end":3473.3},{"sentences":[{"text":"Beautiful.","start":3473.76,"end":3474.26,"sentiment":"positive","sentiment_score":0.35255858302116394},{"text":"Alright.","start":3475.44,"end":3475.94,"sentiment":"neutral","sentiment_score":0.1674501895904541},{"text":"So what we can do oh, I also just wanted to double check your beneficiaries as well just to make sure everything was in line with your wishes.","start":3476.32,"end":3485.335,"sentiment":"neutral","sentiment_score":0.1435867827385664},{"text":"With everything you've had, I know you've got a lot going on, but have you ever drawn up a will, had a power of attorney, drawn up with a solicitor as well?","start":3486.5151,"end":3493.655,"sentiment":"neutral","sentiment_score":0.021558615670073777},{"text":"Yep.","start":3503.33,"end":3503.83,"sentiment":"neutral","sentiment_score":-0.0314255952835083}],"sentiment":"neutral","sentiment_score":0.08252204437222746,"num_words":63,"start":3473.76,"end":3503.83},{"sentences":[{"text":"Yeah.","start":3509.705,"end":3510.205,"sentiment":"neutral","sentiment_score":0.011486418545246124},{"text":"Yep.","start":3515.465,"end":3515.965,"sentiment":"neutral","sentiment_score":-0.04779454693198204},{"text":"Yeah.","start":3520.745,"end":3521.245,"sentiment":"neutral","sentiment_score":-0.16414371132850647},{"text":"Yeah.","start":3524.5198,"end":3525.0198,"sentiment":"neutral","sentiment_score":-0.043639443814754486},{"text":"Yep.","start":3525.24,"end":3525.74,"sentiment":"neutral","sentiment_score":-0.022668704390525814}],"sentiment":"neutral","sentiment_score":-0.05335199758410454,"num_words":5,"start":3509.705,"end":3525.74},{"sentences":[{"text":"Yep.","start":3530.5198,"end":3531.0198,"sentiment":"neutral","sentiment_score":0.1046094447374344},{"text":"Correct.","start":3539.075,"end":3539.575,"sentiment":"neutral","sentiment_score":0.2101653963327408},{"text":"Yeah.","start":3539.875,"end":3540.2751,"sentiment":"neutral","sentiment_score":0.18315088748931885},{"text":"I've got Jackson and Natasha on both of the aware and the hub 24 for $50.50 each.","start":3540.2751,"end":3546.675,"sentiment":"neutral","sentiment_score":0.17038649057640748},{"text":"So you're happy with the way that's structured?","start":3546.675,"end":3548.615,"sentiment":"positive","sentiment_score":0.5135770179331303}],"sentiment":"neutral","sentiment_score":0.2679682932794094,"num_words":28,"start":3530.5198,"end":3548.615},{"sentences":[{"text":"Okay.","start":3584.4702,"end":3584.9702,"sentiment":"neutral","sentiment_score":0.1027820035815239},{"text":"Yeah.","start":3585.11,"end":3585.61,"sentiment":"neutral","sentiment_score":0.12183185666799544},{"text":"Yeah.","start":3586.31,"end":3586.81,"sentiment":"neutral","sentiment_score":0.25933220982551575},{"text":"Mhmm.","start":3596.755,"end":3597.155,"sentiment":"neutral","sentiment_score":0.04024462029337883},{"text":"Yeah.","start":3597.155,"end":3597.655,"sentiment":"neutral","sentiment_score":0.09499794244766235}],"sentiment":"neutral","sentiment_score":0.12383772656321526,"num_words":5,"start":3584.4702,"end":3597.655},{"sentences":[{"text":"There there is another way to structure your beneficiaries if it's better for you to be able to do that, where if you had it directed to your legal personal representative that in the event of passing, your super is paid to your will, it becomes an estate asset.","start":3597.715,"end":3614.44,"sentiment":"neutral","sentiment_score":0.13847937548951228},{"text":"And then as part of your will, you can direct how much goes to each of your kids that way.","start":3614.5,"end":3620.36,"sentiment":"neutral","sentiment_score":0.18548567742109298},{"text":"Yeah.","start":3631.2751,"end":3631.7751,"sentiment":"neutral","sentiment_score":-0.02145897038280964},{"text":"It's legal personal representative.","start":3632.395,"end":3634.495,"sentiment":"neutral","sentiment_score":-0.017518845852464437},{"text":"Yeah.","start":3634.955,"end":3635.455,"sentiment":"neutral","sentiment_score":0.028784606605768204}],"sentiment":"neutral","sentiment_score":0.1390993760029475,"num_words":75,"start":3597.715,"end":3635.455},{"sentences":[{"text":"And that just means that if you ticked legal personal representative on your super, if you were to pass away, your super gets paid to your estate with everything else.","start":3639.2698,"end":3649.19,"sentiment":"neutral","sentiment_score":0.03663185425102711},{"text":"And then as part of your will, it just gets combined, and then your will, you just have directed what you want to go to where.","start":3649.19,"end":3656.8152,"sentiment":"neutral","sentiment_score":0.08817268807727557},{"text":"And that gives you a bit more control around, you know, having that structured.","start":3658.875,"end":3663.0552,"sentiment":"neutral","sentiment_score":0.2635741744722639},{"text":"There's with the beneficiaries $50.50 each at the moment, there's nothing wrong with that in any way, shape, or form.","start":3663.56,"end":3669.32,"sentiment":"neutral","sentiment_score":0.2077326111495495},{"text":"It's just you know, if anything happens, they can claim.","start":3669.32,"end":3671.98,"sentiment":"neutral","sentiment_score":0.19793720096349715}],"sentiment":"neutral","sentiment_score":0.13215508192777634,"num_words":100,"start":3639.2698,"end":3671.98},{"sentences":[{"text":"They get the benefit paid out $50.50.","start":3672.76,"end":3675.26,"sentiment":"neutral","sentiment_score":0.19050720121179307},{"text":"You know, tax might be considered in there as well.","start":3675.88,"end":3679.1,"sentiment":"neutral","sentiment_score":0.13689717128872872},{"text":"But if you wanted it sort of paid out to your estate combined with everything else that you have on your will and then separated as per your wishes, your will does give you a bit more control around how you want things directed.","start":3681.0552,"end":3694.675,"sentiment":"neutral","sentiment_score":0.2431597032330253},{"text":"Yeah.","start":3698.44,"end":3698.94,"sentiment":"neutral","sentiment_score":0.06816346943378448},{"text":"Definitely worth having a chat with a solicitor about.","start":3701.3198,"end":3704.2998,"sentiment":"neutral","sentiment_score":0.1688067697816425}],"sentiment":"neutral","sentiment_score":0.21111230226889463,"num_words":71,"start":3672.76,"end":3704.2998},{"sentences":[{"text":"Yeah.","start":3704.44,"end":3704.94,"sentiment":"neutral","sentiment_score":-0.012813735753297806},{"text":"Yeah.","start":3719.2651,"end":3719.7651,"sentiment":"neutral","sentiment_score":-0.09092504531145096},{"text":"No.","start":3719.985,"end":3720.225,"sentiment":"neutral","sentiment_score":-0.12326468527317049},{"text":"That's okay.","start":3720.225,"end":3721.0251,"sentiment":"neutral","sentiment_score":-0.010431036353111267},{"text":"One thing at a time.","start":3721.0251,"end":3722.325,"sentiment":"neutral","sentiment_score":0.026139676570892334}],"sentiment":"neutral","sentiment_score":-0.01171671561896801,"num_words":10,"start":3704.44,"end":3722.325},{"sentences":[{"text":"And and for the moment, your beneficiaries are here and applied.","start":3722.6,"end":3725.74,"sentiment":"neutral","sentiment_score":0.05125978538258509},{"text":"So if anything happened in the meantime whilst you're getting the will sorted, then everything just you know, the kids can claim $50.50.","start":3725.8,"end":3734.52,"sentiment":"neutral","sentiment_score":0.055835470881151116},{"text":"It's still legitimate as it is at the moment.","start":3734.52,"end":3737.02,"sentiment":"neutral","sentiment_score":0.0720769456691212},{"text":"Yeah.","start":3739.665,"end":3740.165,"sentiment":"neutral","sentiment_score":0.1860763430595398},{"text":"Yeah.","start":3742.8652,"end":3743.3652,"sentiment":"neutral","sentiment_score":0.11350919306278227}],"sentiment":"neutral","sentiment_score":0.06214114481376277,"num_words":45,"start":3722.6,"end":3743.3652},{"sentences":[{"text":"You've got a long list of things there.","start":3744.8652,"end":3746.705,"sentiment":"neutral","sentiment_score":0.09646116755902767},{"text":"Just do one thing at a time, make it a little bit easier on yourself.","start":3746.705,"end":3749.7651,"sentiment":"neutral","sentiment_score":0.07678564911087354},{"text":"Okay.","start":3754.6301,"end":3755.1301,"sentiment":"neutral","sentiment_score":0.035237159579992294},{"text":"I'll let Michelle know that you'll be calling yeah.","start":3755.19,"end":3758.3901,"sentiment":"neutral","sentiment_score":0.05505334585905075},{"text":"I'll let Michelle know that you'll be calling back in and that we need to get the withdraw form from Aware organized as a matter of priority.","start":3758.3901,"end":3766.97,"sentiment":"neutral","sentiment_score":0.06100662935663153}],"sentiment":"neutral","sentiment_score":0.06835617236793042,"num_words":60,"start":3744.8652,"end":3766.97},{"sentences":[{"text":"And I'll do up that TWA, and we'll find we'll get that organized for you today.","start":3767.805,"end":3772.065,"sentiment":"neutral","sentiment_score":0.11292002024129033},{"text":"Okay.","start":3772.2048,"end":3772.7048,"sentiment":"neutral","sentiment_score":0.22427980601787567},{"text":"That's okay.","start":3775.325,"end":3776.285,"sentiment":"positive","sentiment_score":0.36618979275226593},{"text":"Not a not a problem at all.","start":3776.285,"end":3778.765,"sentiment":"neutral","sentiment_score":0.30197096935340334},{"text":"I do just have to let you know I'm gonna also get Michelle to send out some annual review docs to you just to continue with our services for the next twelve months.","start":3778.765,"end":3787.5898,"sentiment":"neutral","sentiment_score":0.18680956146933816}],"sentiment":"neutral","sentiment_score":0.18715071236178027,"num_words":59,"start":3767.805,"end":3787.5898},{"sentences":[{"text":"We just get you to sign and return those back to us.","start":3787.5898,"end":3790.41,"sentiment":"neutral","sentiment_score":0.24131870766480765},{"text":"I know we would have gone through, obviously, our ongoing service fee each year with you as part of your annual review, but do you understand how our services work, how our ongoing service fee works, and, you know, what you're sort of paying for with regard to that?","start":3791.3499,"end":3803.875,"sentiment":"neutral","sentiment_score":-0.016655315359940335},{"text":"Yeah.","start":3811.43,"end":3811.67,"sentiment":"neutral","sentiment_score":0.06861352920532227},{"text":"That's okay.","start":3811.67,"end":3812.47,"sentiment":"neutral","sentiment_score":0.25955691933631897},{"text":"I I can go through it with you.","start":3812.47,"end":3814.1501,"sentiment":"positive","sentiment_score":0.38243018463253975}],"sentiment":"neutral","sentiment_score":0.07954004005942908,"num_words":72,"start":3787.5898,"end":3814.1501},{"sentences":[{"text":"It's honestly fine.","start":3814.1501,"end":3815.37,"sentiment":"positive","sentiment_score":0.45955462257067364},{"text":"With our ongoing service agreement, we do charge an ongoing service fee of 1.65%.","start":3815.99,"end":3821.77,"sentiment":"neutral","sentiment_score":0.21062224358320236},{"text":"That is deducted from super.","start":3821.9102,"end":3823.605,"sentiment":"neutral","sentiment_score":0.2105591744184494},{"text":"So you don't pay for that out of your back pocket in any way.","start":3823.605,"end":3826.5051,"sentiment":"neutral","sentiment_score":0.12277397300515856},{"text":"On a monthly basis, it's a smaller percentage.","start":3827.365,"end":3830.025,"sentiment":"neutral","sentiment_score":0.12371782399713993}],"sentiment":"neutral","sentiment_score":0.1838352128186009,"num_words":44,"start":3814.1501,"end":3830.025},{"sentences":[{"text":"So the 1.65% fluctuates with the market.","start":3830.165,"end":3833.605,"sentiment":"neutral","sentiment_score":0.14139258861541748},{"text":"Our fee is linked to the performance of the market and your super.","start":3833.605,"end":3836.905,"sentiment":"neutral","sentiment_score":0.23027209249826577},{"text":"And, yeah, you just pay that on a monthly basis, 1.65% over the course of the year, and that's the ongoing service for us to look after your super, make sure we're providing advice, assist ongoing in any additional areas that we might need that you might need at the moment as well.","start":3837.91,"end":3854.2852,"sentiment":"neutral","sentiment_score":0.23720043096339927},{"text":"And we just get that signed each year to continue with our services so we can keep looking after everything for you.","start":3854.825,"end":3861.645,"sentiment":"positive","sentiment_score":0.36048049005595123},{"text":"With your super, I'll just give you a little bit of a rundown on how it's been going as well.","start":3863.85,"end":3869.1501,"sentiment":"neutral","sentiment_score":0.2687771074473858}],"sentiment":"neutral","sentiment_score":0.2596610529915146,"num_words":115,"start":3830.165,"end":3869.1501},{"sentences":[{"text":"So sorry.","start":3869.4502,"end":3870.11,"sentiment":"neutral","sentiment_score":-0.07900774106383324},{"text":"One of the things that they kinda mentioned, one of your investments has been underperforming a little bit.","start":3871.6902,"end":3876.1702,"sentiment":"neutral","sentiment_score":-0.2745584746201833},{"text":"So I do wanna kind of remove that out and update your portfolio.","start":3876.1702,"end":3879.6448,"sentiment":"neutral","sentiment_score":-0.23143373429775238},{"text":"So I'll go back and research some investment options to make sure things continue to work harder for you.","start":3879.9448,"end":3886.2048,"sentiment":"neutral","sentiment_score":-0.0938639162402404},{"text":"But over the course of the last year, your portfolio has still made a 9.81% return.","start":3886.7449,"end":3898.48,"sentiment":"neutral","sentiment_score":0.11089122388511896}],"sentiment":"neutral","sentiment_score":-0.11938031467006487,"num_words":68,"start":3869.4502,"end":3898.48},{"sentences":[{"text":"Yeah.","start":3898.48,"end":3898.96,"sentiment":"neutral","sentiment_score":0.2865959703922272},{"text":"It's still a very good return.","start":3898.96,"end":3900.58,"sentiment":"positive","sentiment_score":0.49713580310344696},{"text":"So you're in a growth portfolio, which means that we're chasing around about a seven to 9% return on a yearly basis.","start":3900.72,"end":3908.32,"sentiment":"neutral","sentiment_score":0.24785538559610193},{"text":"The 9.81 is above what we're chasing.","start":3908.32,"end":3911.0051,"sentiment":"neutral","sentiment_score":0.2156808078289032},{"text":"And some people prefer a dollar figure instead of a percent.","start":3912.0251,"end":3915.225,"sentiment":"neutral","sentiment_score":0.09081206030466339}],"sentiment":"neutral","sentiment_score":0.23895590617618662,"num_words":47,"start":3898.48,"end":3915.225},{"sentences":[{"text":"So it means that the earnings your portfolio has made over the year is over $33,630.","start":3915.225,"end":3922.605,"sentiment":"neutral","sentiment_score":0.03149561071768403},{"text":"Yeah.","start":3927.18,"end":3927.66,"sentiment":"neutral","sentiment_score":0.26730263233184814},{"text":"Yeah.","start":3927.66,"end":3928.16,"sentiment":"neutral","sentiment_score":0.29775935411453247},{"text":"Yeah.","start":3937.66,"end":3938.16,"sentiment":"neutral","sentiment_score":0.2631083130836487},{"text":"Beautiful.","start":3942.415,"end":3942.915,"sentiment":"positive","sentiment_score":0.6329763531684875}],"sentiment":"neutral","sentiment_score":0.09825382120907307,"num_words":20,"start":3915.225,"end":3942.915},{"sentences":[{"text":"Beautiful.","start":3943.135,"end":3943.635,"sentiment":"positive","sentiment_score":0.6128044128417969},{"text":"Lovely.","start":3945.535,"end":3946.035,"sentiment":"positive","sentiment_score":0.5364908576011658},{"text":"Well, in your portfolio, you've probably also seen you hold the Benelong concentrated Australian equities managed fund.","start":3946.175,"end":3953.135,"sentiment":"neutral","sentiment_score":0.00438543817247538},{"text":"That's the one that's been underperforming a little bit.","start":3953.135,"end":3956.04,"sentiment":"neutral","sentiment_score":-0.13082479933897653},{"text":"So I'm gonna remove that investment out and replace that with something that's performing a little bit better.","start":3956.12,"end":3961.6602,"sentiment":"neutral","sentiment_score":-0.0737837352272537}],"sentiment":"neutral","sentiment_score":-0.027862667581876336,"num_words":46,"start":3943.135,"end":3961.6602},{"sentences":[{"text":"We just wanna make sure that you're not don't have underperforming investments and that things are working harder.","start":3962.2,"end":3967.42,"sentiment":"neutral","sentiment_score":-0.06542153211517467},{"text":"I can also just reevaluate the whole portfolio.","start":3967.96,"end":3970.7852,"sentiment":"neutral","sentiment_score":-0.0010230187326669693},{"text":"Just make sure that you're invested correctly, maybe rebalanced if you're taking a bit too much risk in the market, and also just make sure that everything's working harder for you.","start":3971.0051,"end":3981.725,"sentiment":"neutral","sentiment_score":-0.028222024778745348},{"text":"Okay?","start":3981.725,"end":3982.225,"sentiment":"neutral","sentiment_score":0.06450656801462173},{"text":"That's okay.","start":3985.17,"end":3986.07,"sentiment":"neutral","sentiment_score":0.19509929418563843}],"sentiment":"neutral","sentiment_score":-0.026765822328161448,"num_words":60,"start":3962.2,"end":3986.07},{"sentences":[{"text":"Now the other thing I just have to sort of talk to you about is the way you are invested.","start":3986.29,"end":3990.15,"sentiment":"neutral","sentiment_score":0.012956922221928836},{"text":"So in that growth portfolio, you normally see about 80% of your super invested in growth assets.","start":3990.21,"end":3997.01,"sentiment":"neutral","sentiment_score":0.023493674748084125},{"text":"So thinking things like Australian shares, international shares, and also listed property, and also commodities.","start":3997.01,"end":4003.545,"sentiment":"neutral","sentiment_score":0.03760997826854388},{"text":"There's some gold and silver in there as well for you.","start":4003.545,"end":4006.285,"sentiment":"neutral","sentiment_score":0.07988123561848294},{"text":"That sort of a portfolio does suit someone who is able to stay invested without accessing their money over the next six years.","start":4007.385,"end":4015.8,"sentiment":"neutral","sentiment_score":-0.09184534037890642}],"sentiment":"neutral","sentiment_score":-0.00012870520613221252,"num_words":86,"start":3986.29,"end":4015.8},{"sentences":[{"text":"And because you do see 80% in those high growth or high risk investments, like shares and things, we can expect a negative or a big dip sort of one in every five years.","start":4016.6602,"end":4027.985,"sentiment":"neutral","sentiment_score":-0.09821355605826658},{"text":"Did you want me to maybe look at reducing some of the risk level for you, or are you comfortable staying where you are at the moment?","start":4028.445,"end":4035.265,"sentiment":"neutral","sentiment_score":-0.10052220716520592},{"text":"Yep.","start":4046.38,"end":4046.78,"sentiment":"neutral","sentiment_score":0.04367493838071823},{"text":"Yep.","start":4046.78,"end":4047.26,"sentiment":"neutral","sentiment_score":0.052699051797389984},{"text":"That's okay.","start":4047.26,"end":4048.16,"sentiment":"neutral","sentiment_score":0.1150594912469387}],"sentiment":"neutral","sentiment_score":-0.08810565425799444,"num_words":65,"start":4016.6602,"end":4048.16},{"sentences":[{"text":"I just wanna do a quick questionnaire just to see where you might sit on that risk scope there.","start":4048.22,"end":4054.32,"sentiment":"neutral","sentiment_score":0.031730681461723226},{"text":"Now you do earn some individual shares.","start":4055.2852,"end":4057.2852,"sentiment":"neutral","sentiment_score":0.039066490318093984},{"text":"They are in a trust there, but you have invested, so I can tick that box.","start":4057.2852,"end":4061.865,"sentiment":"neutral","sentiment_score":0.0547659897711128},{"text":"And when we're looking at your time horizon, so if we're saying around about age 67 is your time horizon now, it's realistically giving you about a six year time horizon.","start":4063.2852,"end":4075.36,"sentiment":"neutral","sentiment_score":0.02882798328515022},{"text":"So we're kind of right on that cost there.","start":4075.4202,"end":4077.74,"sentiment":"neutral","sentiment_score":0.039528146386146545}],"sentiment":"neutral","sentiment_score":0.036610061166489995,"num_words":82,"start":4048.22,"end":4077.74},{"sentences":[{"text":"So I'll tick the box for you.","start":4077.74,"end":4079.76,"sentiment":"neutral","sentiment_score":0.08564079446452004},{"text":"Now when you think about risk, if risk was a number between one and five, five being very risky, you're a 100% invested in the market, throw it all on black, and one being very safe, not investing, and getting lower returns.","start":4080.7148,"end":4097.03,"sentiment":"neutral","sentiment_score":-0.012088310638708728},{"text":"How where do you think you might fit on that scale?","start":4097.73,"end":4100.63,"sentiment":"neutral","sentiment_score":0.007412286136638035},{"text":"Picking a number between one and five, what would you sort of how do you think you might fit?","start":4100.69,"end":4105.27,"sentiment":"neutral","sentiment_score":-0.00538903151295687},{"text":"Yep.","start":4107.705,"end":4108.205,"sentiment":"neutral","sentiment_score":0.12141700834035872}],"sentiment":"neutral","sentiment_score":0.0024042133940383793,"num_words":80,"start":4077.74,"end":4108.205},{"sentences":[{"text":"Perfect.","start":4108.665,"end":4109.165,"sentiment":"positive","sentiment_score":0.5501447916030884},{"text":"Beautiful.","start":4110.3447,"end":4110.8447,"sentiment":"positive","sentiment_score":0.58197021484375},{"text":"And if you saw your investment fall in value, do you think you might wanna put more money in?","start":4111.465,"end":4117.2246,"sentiment":"neutral","sentiment_score":-0.038327643549756},{"text":"It could be a buying opportunity.","start":4117.2246,"end":4118.7646,"sentiment":"neutral","sentiment_score":-0.02740505151450634},{"text":"Are you likely to call us and speak to us, or do you think you'd be really cautious in considering selling your investment?","start":4119.065,"end":4125.84,"sentiment":"neutral","sentiment_score":-0.09806022031799606}],"sentiment":"neutral","sentiment_score":-0.040318511947989466,"num_words":50,"start":4108.665,"end":4125.84},{"sentences":[{"text":"How do you think you might react?","start":4126.0596,"end":4127.76,"sentiment":"neutral","sentiment_score":-0.049440059278692515},{"text":"Yep.","start":4132.1396,"end":4132.6396,"sentiment":"neutral","sentiment_score":0.10412033647298811},{"text":"Perfect.","start":4132.78,"end":4133.28,"sentiment":"neutral","sentiment_score":0.28567492961883545},{"text":"And the second last one here is looking at the average return where you're looking for on a yearly basis.","start":4135.355,"end":4142.2554,"sentiment":"neutral","sentiment_score":0.06534388605505229},{"text":"Are you wanting the highest return you can get on a yearly basis?","start":4142.315,"end":4146.2354,"sentiment":"neutral","sentiment_score":0.0776261856349615}],"sentiment":"neutral","sentiment_score":0.05618411870229812,"num_words":42,"start":4126.0596,"end":4146.2354},{"sentences":[{"text":"Are you comfortable with chasing maybe six to 8%, four to six percent, two to 4%?","start":4146.2354,"end":4151.9097,"sentiment":"neutral","sentiment_score":0.03281969437375665},{"text":"What sort of average rate of return do you think you'd be chasing with your super annual investment?","start":4152.13,"end":4156.71,"sentiment":"neutral","sentiment_score":0.008260024090607962},{"text":"Yeah.","start":4163.6353,"end":4163.875,"sentiment":"neutral","sentiment_score":-0.02004889026284218},{"text":"That's absolutely fine.","start":4163.875,"end":4165.335,"sentiment":"neutral","sentiment_score":0.002680642995983362},{"text":"Yep.","start":4166.6753,"end":4167.1753,"sentiment":"neutral","sentiment_score":0.09974543750286102}],"sentiment":"neutral","sentiment_score":0.019526513329205606,"num_words":39,"start":4146.2354,"end":4167.1753},{"sentences":[{"text":"That's honestly fine.","start":4167.235,"end":4168.775,"sentiment":"neutral","sentiment_score":0.180435578028361},{"text":"And have you ever thought about taking out a loan to invest in shares or managed funds, or have you only ever wanted to borrow for, say, property?","start":4170.115,"end":4177.975,"sentiment":"neutral","sentiment_score":-0.01140639345560755},{"text":"Yep.","start":4190.91,"end":4191.41,"sentiment":"neutral","sentiment_score":-0.10317707061767578},{"text":"No.","start":4193.415,"end":4193.735,"sentiment":"neutral","sentiment_score":-0.036876942962408066},{"text":"That's okay.","start":4193.735,"end":4194.5347,"sentiment":"neutral","sentiment_score":0.07137308269739151}],"sentiment":"neutral","sentiment_score":0.006417710546936308,"num_words":35,"start":4167.235,"end":4194.5347},{"sentences":[{"text":"That's not a problem.","start":4194.5347,"end":4195.835,"sentiment":"neutral","sentiment_score":0.1429188158363104},{"text":"So now you have scored in that growth environment there, which is where you're invested in currently.","start":4196.295,"end":4202.235,"sentiment":"neutral","sentiment_score":0.13902981491649852},{"text":"We can look to because you are getting closer to just maybe starting to reduce your risk level slightly.","start":4203.5747,"end":4209.5303,"sentiment":"neutral","sentiment_score":0.04680042792307703},{"text":"If we maybe move you down by 10% into that balanced growth environment, it drops the growth investments by 10%.","start":4209.83,"end":4217.5903,"sentiment":"neutral","sentiment_score":-0.04350761035457253},{"text":"So from 80% invested to 70%, and we're just increasing the lower risk defensive investments gradually.","start":4217.5903,"end":4224.4653,"sentiment":"neutral","sentiment_score":0.10975249437615275}],"sentiment":"neutral","sentiment_score":0.06197734145251544,"num_words":76,"start":4194.5347,"end":4224.4653},{"sentences":[{"text":"This sort of environment suits a five year time horizon to accessing your money.","start":4225.565,"end":4230.205,"sentiment":"neutral","sentiment_score":0.21272107639483043},{"text":"So you could be in that for the next, you know, one to two years depending on how you feel, but it's more just about stepping down gradually instead of a really big jump in the risk scale.","start":4230.205,"end":4241.5796,"sentiment":"neutral","sentiment_score":0.050532679024495576},{"text":"Does that feel like something you'd be comfortable doing now, or what's your thoughts?","start":4241.8,"end":4246.2197,"sentiment":"neutral","sentiment_score":0.0693615349009633},{"text":"That'd be good?","start":4249.8247,"end":4250.8047,"sentiment":"neutral","sentiment_score":0.09643159806728363},{"text":"Yes.","start":4252.465,"end":4252.8647,"sentiment":"neutral","sentiment_score":0.28255903720855713}],"sentiment":"neutral","sentiment_score":0.09201788846403361,"num_words":70,"start":4225.565,"end":4252.8647},{"sentences":[{"text":"Beautiful.","start":4252.8647,"end":4253.3647,"sentiment":"positive","sentiment_score":0.49327176809310913},{"text":"Well, I will go and look at the balanced growth side of things.","start":4253.425,"end":4256.385,"sentiment":"neutral","sentiment_score":0.2746896113340671},{"text":"I'll re look at all the the two super funds, how you're invested, what we're looking at, looking towards your goal, projecting things out there for you.","start":4256.385,"end":4265.6797,"sentiment":"neutral","sentiment_score":0.27539865893346294},{"text":"I will also organize my team to get the authority for TAL, and we'll do some research with them on the claim to income protection to see what's happening, where it's at.","start":4266.38,"end":4277.655,"sentiment":"neutral","sentiment_score":0.1577003514394164},{"text":"As I said, it'll take a couple of weeks to do that.","start":4278.515,"end":4280.755,"sentiment":"neutral","sentiment_score":0.08689750296374162}],"sentiment":"neutral","sentiment_score":0.20693155045018477,"num_words":85,"start":4252.8647,"end":4280.755},{"sentences":[{"text":"So for the time being, we'll get that withdrawal sorted for you for the 50,000 so you can get some money now to help you out.","start":4280.755,"end":4288.355,"sentiment":"neutral","sentiment_score":0.217929363823854},{"text":"Okay?","start":4288.355,"end":4288.855,"sentiment":"neutral","sentiment_score":0.1429789662361145},{"text":"Beautiful.","start":4291.69,"end":4292.19,"sentiment":"positive","sentiment_score":0.5922310948371887},{"text":"Beautiful.","start":4292.81,"end":4293.31,"sentiment":"positive","sentiment_score":0.5436452031135559},{"text":"Is there anything I might have missed, or is there anything else that you maybe wanted to bring up with me?","start":4293.85,"end":4299.29,"sentiment":"neutral","sentiment_score":0.06138083143603234}],"sentiment":"neutral","sentiment_score":0.16468032367527485,"num_words":50,"start":4280.755,"end":4299.29},{"sentences":[{"text":"Or yep.","start":4299.29,"end":4307.645,"sentiment":"neutral","sentiment_score":-0.043740661814808846},{"text":"Oh, beautiful.","start":4309.4653,"end":4310.285,"sentiment":"positive","sentiment_score":0.38000521063804626},{"text":"Beautiful.","start":4310.665,"end":4311.165,"sentiment":"positive","sentiment_score":0.3680272698402405},{"text":"Was it anything comes up, you're welcome to let me know.","start":4311.305,"end":4314.205,"sentiment":"neutral","sentiment_score":0.23455013470216232},{"text":"You did send that email through the other day with those documents, and thank you for doing that.","start":4314.825,"end":4319.1504,"sentiment":"neutral","sentiment_score":0.3278433572914865}],"sentiment":"neutral","sentiment_score":0.280052596484037,"num_words":34,"start":4299.29,"end":4319.1504},{"sentences":[{"text":"So you do have my email there as well, Kate.","start":4319.1504,"end":4321.71,"sentiment":"neutral","sentiment_score":0.17030809950083495},{"text":"So if there's anything that you find you might want to bring up or any additional questions, you're welcome to email me or call myself and Michelle, and we will take time to answer those with you.","start":4321.71,"end":4332.355,"sentiment":"neutral","sentiment_score":0.20604285114520304},{"text":"Okay?","start":4335.935,"end":4336.435,"sentiment":"positive","sentiment_score":0.4339357614517212},{"text":"Oh, my pleasure.","start":4336.8154,"end":4338.015,"sentiment":"positive","sentiment_score":0.5641489426294962},{"text":"Thank you so much for your time.","start":4338.015,"end":4339.535,"sentiment":"positive","sentiment_score":0.7003557085990906}],"sentiment":"neutral","sentiment_score":0.2819920523605984,"num_words":58,"start":4319.1504,"end":4339.535},{"sentences":[{"text":"Have you had any word on this?","start":4339.535,"end":4341.2954,"sentiment":"neutral","sentiment_score":0.09183080600840705},{"text":"I haven't had the phone go off.","start":4341.2954,"end":4342.575,"sentiment":"neutral","sentiment_score":-0.1715143769979477},{"text":"Any word on where your grandbaby is?","start":4342.575,"end":4344.6553,"sentiment":"neutral","sentiment_score":-0.11511008547885078},{"text":"Nothing?","start":4344.6553,"end":4345.1553,"sentiment":"neutral","sentiment_score":-0.09411495923995972},{"text":"Watching.","start":4351.57,"end":4352.07,"sentiment":"neutral","sentiment_score":-0.01564848981797695}],"sentiment":"neutral","sentiment_score":-0.06405734975376855,"num_words":23,"start":4339.535,"end":4352.07},{"sentences":[{"text":"Yep.","start":4352.77,"end":4353.27,"sentiment":"neutral","sentiment_score":-0.03879449889063835},{"text":"All good.","start":4353.73,"end":4354.55,"sentiment":"neutral","sentiment_score":0.073917455971241},{"text":"Yeah.","start":4355.89,"end":4356.39,"sentiment":"neutral","sentiment_score":0.0982946753501892},{"text":"All good.","start":4356.4497,"end":4357.09,"sentiment":"neutral","sentiment_score":0.28396524488925934},{"text":"Well, thank you.","start":4357.09,"end":4357.81,"sentiment":"positive","sentiment_score":0.46870354811350506}],"sentiment":"neutral","sentiment_score":0.24237513583567408,"num_words":9,"start":4352.77,"end":4357.81},{"sentences":[{"text":"I will let you go so you can make that phone call.","start":4357.81,"end":4360.61,"sentiment":"neutral","sentiment_score":0.20098372052113214},{"text":"Good luck today.","start":4360.61,"end":4361.835,"sentiment":"positive","sentiment_score":0.46080548564593},{"text":"I'm very excited for you, and we will get this sorted for you quickly.","start":4361.9746,"end":4366.315,"sentiment":"positive","sentiment_score":0.6284162678888866},{"text":"Okay?","start":4366.4546,"end":4366.9546,"sentiment":"neutral","sentiment_score":0.2892439067363739},{"text":"My pleasure.","start":4369.735,"end":4370.4546,"sentiment":"positive","sentiment_score":0.7914082705974579}],"sentiment":"positive","sentiment_score":0.4520034156739712,"num_words":32,"start":4357.81,"end":4370.4546},{"sentences":[{"text":"Thank you for taking my call, Kate.","start":4370.4546,"end":4372.215,"sentiment":"positive","sentiment_score":0.8043990816388812},{"text":"Have a good day.","start":4372.215,"end":4373.195,"sentiment":"positive","sentiment_score":0.6977463513612747},{"text":"Thanks.","start":4375.335,"end":4375.815,"sentiment":"positive","sentiment_score":0.5933343172073364},{"text":"See you later.","start":4375.815,"end":4376.5547,"sentiment":"neutral","sentiment_score":0.28063131123781204}],"sentiment":"positive","sentiment_score":0.6571338151892027,"num_words":15,"start":4370.4546,"end":4376.5547}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Thank you. How are you? Yes. Yes. Oh, been very busy. Oh, I've been trying to be busy. My daughter's in labor. So I'm I'm trying to just speak for herself. Yes. She is. No. No. No. That's okay because I need to distract myself because there's not much I can do from this this end. So I will. So thank you. Yeah. She's having a girl. So yeah. My thing. My first no. First granddaughter, though. I've got two grandsons, so it's very and very exciting. Yes. Yes. Okay. Yeah. Okay. Sure. Yeah. Thank you. Catherine Luella Branchley, Unit 2 24 Carousel Street, Boling, 20th Of January 65. Mhmm. Yeah. Yeah. Well, so at this stage, I am they've just sit on on it till sixty seven, But I am in the process of doing a you know, you've gotta you've gotta get this passivity certificate and all sorts of stuff. They work they don't just give you your lump sum. You've gotta actually sue them for so I'm in that limbo thing. No. So I've I mean, it it will continue according to work cover. They're not there'll be no return to work for me. But with the solicitor, I'm in the process of getting a affidavit completed to submit with our application. So I've got a second appointment because that's pretty full on. Yeah. So I'm not sure when the next appointment's gonna be that just they'll contact me and go from there. But alright. I'm just having my breakfast. Right. So it was a mental health thing. I I refer to it as a physical and mental breakdown, but I don't think they use those terms these days. And, you know, now now that Aftermath is have a lot of unmanaged anxiety and have a few social issues and things around that. The physical side of things now has improved, but it's still a bit of a thing hanging over my head with food and stuff like that. So I have to monitor my diet and how I manage that because I lost 10, and, yeah, it was bad. Yeah. I'd say Yeah. Mhmm. No worries. Mhmm. No. That's supposed to continue while I'm still getting payments. They will process. So yeah. Mhmm. Oh, no. I don't think I don't think we were going ahead with that because anything that they pay me just comes off the workers' compensation payment. So it would just neutralize any, you know, any income that I was getting from workers' comp. So I don't know. I I might have to call the solicitor and ask them about that. Right. Yeah. Sure. Yeah. Okay. I wish I'd known that before I went. Yeah. Well yeah. What I'm trying to do is I've still got a mortgage on my house, and I'm thinking if I can use some of that money for that as well to just reduce the mortgage and make, you know, make my life a bit easier. I'm trying it's 132, which I need to refinance because I'm paying too much interest. But but I'm thinking if I refinance, I'll pay down some of that loan, I think, if I can. Well, if I could get it under 100, that would be encouraging. Oh, okay. Mhmm. Yeah. Yeah. Yeah. So gross weekly, I get $13.76, which works out to $11.12 net. I did the right homework, didn't I? Been busy writing stuff down. I'm sorry. Well, I have been eating into my savings, but, you know, I've I didn't used to feel like I had to budget, and it's taken me a long time to manage all of that because I have been seriously unable to do that sort of shit. But I think I'm getting a bit of a handle on it now. But, yeah, I did blow a lot of savings over it, sadly. Yeah. Well, I actually my bills all went up because I was home all the time, and and I've got you know, I don't they don't cover my 100% of my medical fees and bills and stuff either. So that's been an added expense. Mhmm. Look. I think I really need to get this mortgage situation sorted out and get it refinanced because that will save me not save me, but it will help reduce the mortgage quicker over the next few years. And I have kinda learned to pull my head in. So I think for now, no. I'm okay. If I can get this refinancing and all that. You you did refer me, and they needed documents. And as I said, my life's been a mess. So I've been getting those documents, and I I'm behind in my tax and all that sort of stuff. So I actually have to get that have to try and get that sorted first before I move forward. But I have the details. I've made contact with me. So once once I cross over that first line, it's a process, and it's a bit overwhelming. That's that's not okay. I'll keep trying to get that done. Thank you. Thank you. Yep. Is it is it complicated to to draw the money out? I looked it up this morning. It's 309230 9. So in the past, I've used that Aware as, like, a parking ground. And then, generally, once it gets over a certain amount, do you make a lump sum withdrawal and swap it into the hub? I just I'd because that yours is, I think, earning a better return than Aware for Hub '24. So either way, I'll probably bring that Aware back to sort of $20 or whatever I needed to. I don't actually if I'm not paying the insurance anymore, I don't know that I have to have $20 in there. Yeah. Mhmm. Well no. That's alright. I just also thought that with Aware, they would accept the small payments in, whereas Hub twenty four wouldn't do that. That was my understanding. I think maybe then I only kept it for the insurance portion. Yeah. Mhmm. Yep. That would be great. Yeah. Things change, and I don't seem to keep up with that. They probably just paid because I was with Aware when I was working. It probably just came through the employer, I think. Yeah. Okay. Sounds perfect. Well, I will need to pay this list. Are they gonna be hassling me soon. I did ask them to give me a few days, and I've taken a week already. I so I'll need the 10,000, and I don't even know how to pay the money off off the mortgage because I sit I sit money in an offset account, and that makes the mortgage look prettier than it is. I'm not sure whether the best what this is what I wanna refinance and just get that. And then I can see it. I don't like this offset set up. It's not how I spent all my money. It's too accessible. What do I wanna do? So okay. So I take 50 out, and I'll just sit 40 of the offsets while I try and sort out my tax. And then I can do something productive and get onto a break your your broker and get a better mortgage set up and something that works better for me. So that will bring me under a 100 for my interest for my oh, no. It'll bring me down to about a 100. If I put 40 yeah. A bit under a 100. Yeah. Is it what am I trying to say? It's not what I'm trying to say. I what do you is it gonna impact financially more if I take it out of the? I mean, I can ring this list and say we're going through the withdrawal process. Can you give me I don't know what would it be, two weeks? Okay. If you're gonna be reevaluating my portfolio with Hub, I'm not very sure what this process looks like, but if you were to take the, like, the higher risk portion, some of that out, and then get the I mean, you could do 80,000 out of the way 90,000 out of the way and that out of the you know, to to put back in. Does that make sense? To put back into hub? Otherwise, I am so otherwise, I I could just ring this list and say, right. It's it's a process to get this out. I need I need a week or so to or a week, do you think, would be safe or, say, ten working days? Yeah. So I'm still not sure where I'm taking the money at. Because if the solicitor says it's okay to, you know, that they'll they're happy for me to pay that bill in two weeks' time, then I I think I would just take it out of Aware, I think. Does it? Yeah. That might be. And I'll I'll call you back once I hit when I once I is that alright? Is that is that the right thing to do, or is it not gonna make a huge difference either way? Yeah. It does. I just I still don't know whether that's I'm making the right decision to do it that way or whether and I don't know what the difference is going to be if I just go direct from other than PACE. Yep. Right. It's another problem I have is I can't make any decisions anymore. Okay. Just want someone else to take control. I don't wanna play adults anymore. Okay. Let's do that. I will ring the solicitor. Yeah. So if I because I could give them a little bit now. You know, like, I could pay them 2 and a half grand or something now and then just the balance when that comes through, and and I'm I'm sure they'll be okay with that. So I might, you know, scream, but I'll confirm with you. I'll ring is Michelle working today? Is it Michelle? Yeah. Oh, okay. Yeah. That sounds good. Yeah. So so you will pay it will all go into the bank account, and then I can send that on to the solicitor. Okay. Let's do that. Perfect. Alright. Excellent. Okay. Yes, please. Mhmm. Yeah. Yeah. I can probably get that I could get that online with a screenshot of it work or not. That's who needs to be the same. Okay. Mhmm. Okay. Okay. Well, if you go ahead and organize it, and I will try and bribe them into letting me make a payment today and the balance when the super withdrawal happens. I'm sure they'll understand. I'm sure they've faced this before. So Yep. Oh, I feel your pain. Perfect. That's right. And I have to say, Michelle rang me the other day for some it's about DocuSign thing. She's a legend. I love her. She's my new friend. Yeah. Yes. Yep. Yes. Definitely. Yeah. Yep. Oh, I love that. Okay. Perfect. Excellent. Wonderful. Thank you so much. Yes. Yeah. I think so. I don't I don't know how it's gonna look for getting any pension support for me because I don't understand the whole asset thing. So, yeah, I would need to look at even if I were getting a pension, I would need extra support, however that works, because the pension's not enough. I mean, I will there's a lot of things that were in my plan that I will still probably implement because I don't need to be living in a double story townhouse with three bedrooms and three bathrooms by myself. That's not so downsizing was definitely something I was always going to do, which is why I wasn't worried about having a smaller mortgage because I can just, you know, just get a cheaper house. And that'll kill the rest of the mortgage, and I'll be fine with that. But, yeah, it's just managing on a pension alone won't be even doable for anybody, I don't believe. But Try and tell Albanese that. Mhmm. Yep. Yeah. Probably beforehand. I'm probably looking at maybe the next three or four years, I suppose. I haven't thought that far ahead. I do have a a share portfolio, but I've been I've complicated my life with that. So I will probably look at restructuring that, and I don't know what I'll do. Growing that, I think, over time a little bit more. I I'm asking this. Yeah. So I I need to sort that out because it was I changed trustees, and I've gotta do a I can't remember the name of it, but we changed the name on the ownership of the shares without selling them or buying them again. So I have to do that for for every individual holding. And I can't I can't I have no relationship with my broker that collapsed number of years ago. So just even getting away from her has been the biggest headache in the world. So I've gotta do that. I've gotta take take that leap of faith. I'm fine. They're in a trust. So what I yeah. So I I changed trustees. My dad was dying, and I swapped the kids as minor trustees. I'm the major trustee and put the kids in, but the shares were all held because it's in the trust. It states the person's name as well as the name of the trust. And and I have to swap that over so the kids' names are there on the stairs. So there is a name for it that's like a I don't know, nontransactional transfer or some something. So I made it. But I I just panicked, and I was trying to swap it over before I had to try and get death certificates and stuff. So I do a panic and probably made a mistake, but whatever. That's not that I don't know. I'm just, you know, treading water treading water's worked for me the last few years. So so if I can keep treading water, I'll be okay. I do. Yeah. I think it's about 12,000. I haven't had it valued since I refinanced in 2018 or something like that. But in COVID, my neighbor's property sold, which is, like, identical to this one. It's the front street. And they got a million and 50. So I just say it's worth about a million, but I can't you know, it's only worth what someone's prepared to pay for it. Isn't that the isn't that what you're saying? Mhmm. I do. And I think I'm insured for about 135, which might sound underinsured, but, seriously, everything worth anything was stolen a few years ago. So I didn't bother to review that after that because all my good jewelry and everything went. So, you know, I'm not like that. I've got computer and a shitty old television and that sort of thing, but nothing nothing of any major value anymore. Well, one one ring that I wear all the time, so that's it. Everything else is gone. 2020 RAV four Toyota. I don't know enough about cars to really I don't know. Well, I I bought it in 20 24 for 40,000. So I don't know what the depreciation is on that, but Sure. Mhmm. Well, where the fuck does that all go? Sorry. I'm not. Yeah. Yeah. Yeah. I am about to do that because my will is so old. And, like, I I drew that up when my husband died, so that and the kids were baby you know, five and three. So it's like pages and pages of complicated crap, and that's not necessary anymore because they're both in their thirties. So so I definitely need to do a new will. And I think in the super, I've just got $50.50 for the kids. There's yeah. Yeah. I think so. I'm I'm gonna do some I think I'll put it my son owes me a shit ton of money now after I've got nothing left. And I don't think she plans on paying that back. So I need to somehow make sure my daughter is compensated for that. But I feel like the will's probably the easiest way rather than I mean, doing it in the hub super will ensure that if anything happens to me today or in the next week before I do anything about it, you won't walk away with extra. What did you call that? Because when I talked to the oh, I oh, I have to sorry. Sorry. That was the the super Okay. Yeah. Put that on my list. No wonder I'm overwhelmed. I'm putting everything off and not dealing with anything. That's no good. Alright. Okay. Alright. Perfect. Okeydokey. I know. I will. I'll ring this list, though, as soon as I hang up and get that one ticked off my list. Yeah. Mhmm. Thank you so much. Beautiful. Alright. Yes. Okay. They would have told me when I changed over to you, I'm sure. But Yep. Sure. Yeah. Mhmm. Okay. Mhmm. Oh, I like that. I like I've you know, I'm I'm okay with that 9.8 because I know what what my shares have been making and stuff. So I sort of have my head around that. So I'm happy with the 981, but I do like that number. That's good. Alright. Good. Okay. Okay. Perfect. Thank you so much. Mhmm. Yeah. Maybe let's reduce some of the risk. Mhmm. Mhmm. Probably a three. Probably Colgate. No. I'm gonna say the higher one. I want the 8% or whatever reason. At one stage, I did borrow for shares, but it wasn't something I was very comfortable with. I probably wouldn't go back down that path. Mhmm. Mhmm. Yeah. Yeah. No. I think that that's gonna stick stick well with me. Yep. Mhmm. Beautiful. Excellent. No. I think I think we've covered everything I was looking for at the moment. So mhmm. Beautiful. Alright. Wonderful. Thank you so much. No. Nothing. No. But I've missed a few phone calls from mom who's probably sitting there anxiously waiting too. So I'll ring her and say, I have no news. Yeah. Okay. No worries. Thank you. Thanks. Perfect. Thank you. Okay. You too. 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I'm good. Thank you. How are you? Yes.\n\nYes. Oh, been very busy. Oh, I've been trying to be busy. My daughter's in labor. So I'm I'm trying to just speak for herself.\n\nYes. She is. No. No. No.\n\nThat's okay because I need to distract myself because there's not much I can do from this this end. So I will. So thank you. Yeah. She's having a girl.\n\nSo yeah. My thing. My first no. First granddaughter, though. I've got two grandsons, so it's very and very exciting.\n\nYes. Yes. Okay. Yeah. Okay.\n\nSure. Yeah. Thank you. Catherine Luella Branchley, Unit 2 24 Carousel Street, Boling, 20th Of January 65. Mhmm.\n\nYeah. Yeah. Well, so at this stage, I am they've just sit on on it till sixty seven, But I am in the process of doing a you know, you've gotta you've gotta get this passivity certificate and all sorts of stuff. They work they don't just give you your lump sum. You've gotta actually sue them for so I'm in that limbo thing.\n\nNo. So I've I mean, it it will continue according to work cover. They're not there'll be no return to work for me. But with the solicitor, I'm in the process of getting a affidavit completed to submit with our application. So I've got a second appointment because that's pretty full on.\n\nYeah. So I'm not sure when the next appointment's gonna be that just they'll contact me and go from there. But alright. I'm just having my breakfast. Right.\n\nSo it was a mental health thing. I I refer to it as a physical and mental breakdown, but I don't think they use those terms these days. And, you know, now now that Aftermath is have a lot of unmanaged anxiety and have a few social issues and things around that. The physical side of things now has improved, but it's still a bit of a thing hanging over my head with food and stuff like that. So I have to monitor my diet and how I manage that because I lost 10, and, yeah, it was bad.\n\nYeah. I'd say Yeah. Mhmm. No worries. Mhmm.\n\nNo. That's supposed to continue while I'm still getting payments. They will process. So yeah. Mhmm.\n\nOh, no. I don't think I don't think we were going ahead with that because anything that they pay me just comes off the workers' compensation payment. So it would just neutralize any, you know, any income that I was getting from workers' comp. So I don't know. I I might have to call the solicitor and ask them about that.\n\nRight. Yeah. Sure. Yeah. Okay.\n\nI wish I'd known that before I went. Yeah. Well yeah. What I'm trying to do is I've still got a mortgage on my house, and I'm thinking if I can use some of that money for that as well to just reduce the mortgage and make, you know, make my life a bit easier. I'm trying it's 132, which I need to refinance because I'm paying too much interest.\n\nBut but I'm thinking if I refinance, I'll pay down some of that loan, I think, if I can. Well, if I could get it under 100, that would be encouraging. Oh, okay. Mhmm. Yeah.\n\nYeah. Yeah. So gross weekly, I get $13.76, which works out to $11.12 net. I did the right homework, didn't I? Been busy writing stuff down.\n\nI'm sorry. Well, I have been eating into my savings, but, you know, I've I didn't used to feel like I had to budget, and it's taken me a long time to manage all of that because I have been seriously unable to do that sort of shit. But I think I'm getting a bit of a handle on it now. But, yeah, I did blow a lot of savings over it, sadly. Yeah.\n\nWell, I actually my bills all went up because I was home all the time, and and I've got you know, I don't they don't cover my 100% of my medical fees and bills and stuff either. So that's been an added expense. Mhmm. Look. I think I really need to get this mortgage situation sorted out and get it refinanced because that will save me not save me, but it will help reduce the mortgage quicker over the next few years.\n\nAnd I have kinda learned to pull my head in. So I think for now, no. I'm okay. If I can get this refinancing and all that. You you did refer me, and they needed documents.\n\nAnd as I said, my life's been a mess. So I've been getting those documents, and I I'm behind in my tax and all that sort of stuff. So I actually have to get that have to try and get that sorted first before I move forward. But I have the details. I've made contact with me.\n\nSo once once I cross over that first line, it's a process, and it's a bit overwhelming. That's that's not okay. I'll keep trying to get that done. Thank you. Thank you.\n\nYep. Is it is it complicated to to draw the money out? I looked it up this morning. It's 309230 9. So in the past, I've used that Aware as, like, a parking ground.\n\nAnd then, generally, once it gets over a certain amount, do you make a lump sum withdrawal and swap it into the hub? I just I'd because that yours is, I think, earning a better return than Aware for Hub '24. So either way, I'll probably bring that Aware back to sort of $20 or whatever I needed to. I don't actually if I'm not paying the insurance anymore, I don't know that I have to have $20 in there. Yeah.\n\nMhmm. Well no. That's alright. I just also thought that with Aware, they would accept the small payments in, whereas Hub twenty four wouldn't do that. That was my understanding.\n\nI think maybe then I only kept it for the insurance portion. Yeah. Mhmm. Yep. That would be great.\n\nYeah. Things change, and I don't seem to keep up with that. They probably just paid because I was with Aware when I was working. It probably just came through the employer, I think. Yeah.\n\nOkay. Sounds perfect. Well, I will need to pay this list. Are they gonna be hassling me soon. I did ask them to give me a few days, and I've taken a week already.\n\nI so I'll need the 10,000, and I don't even know how to pay the money off off the mortgage because I sit I sit money in an offset account, and that makes the mortgage look prettier than it is. I'm not sure whether the best what this is what I wanna refinance and just get that. And then I can see it. I don't like this offset set up. It's not how I spent all my money.\n\nIt's too accessible. What do I wanna do? So okay. So I take 50 out, and I'll just sit 40 of the offsets while I try and sort out my tax. And then I can do something productive and get onto a break your your broker and get a better mortgage set up and something that works better for me.\n\nSo that will bring me under a 100 for my interest for my oh, no. It'll bring me down to about a 100. If I put 40 yeah. A bit under a 100. Yeah.\n\nIs it what am I trying to say? It's not what I'm trying to say. I what do you is it gonna impact financially more if I take it out of the? I mean, I can ring this list and say we're going through the withdrawal process. Can you give me I don't know what would it be, two weeks?\n\nOkay. If you're gonna be reevaluating my portfolio with Hub, I'm not very sure what this process looks like, but if you were to take the, like, the higher risk portion, some of that out, and then get the I mean, you could do 80,000 out of the way 90,000 out of the way and that out of the you know, to to put back in. Does that make sense? To put back into hub? Otherwise, I am so otherwise, I I could just ring this list and say, right.\n\nIt's it's a process to get this out. I need I need a week or so to or a week, do you think, would be safe or, say, ten working days? Yeah. So I'm still not sure where I'm taking the money at. Because if the solicitor says it's okay to, you know, that they'll they're happy for me to pay that bill in two weeks' time, then I I think I would just take it out of Aware, I think.\n\nDoes it? Yeah. That might be. And I'll I'll call you back once I hit when I once I is that alright? Is that is that the right thing to do, or is it not gonna make a huge difference either way?\n\nYeah. It does. I just I still don't know whether that's I'm making the right decision to do it that way or whether and I don't know what the difference is going to be if I just go direct from other than PACE. Yep. Right.\n\nIt's another problem I have is I can't make any decisions anymore. Okay. Just want someone else to take control. I don't wanna play adults anymore. Okay.\n\nLet's do that. I will ring the solicitor. Yeah. So if I because I could give them a little bit now. You know, like, I could pay them 2 and a half grand or something now and then just the balance when that comes through, and and I'm I'm sure they'll be okay with that.\n\nSo I might, you know, scream, but I'll confirm with you. I'll ring is Michelle working today? Is it Michelle? Yeah. Oh, okay.\n\nYeah. That sounds good. Yeah. So so you will pay it will all go into the bank account, and then I can send that on to the solicitor. Okay.\n\nLet's do that. Perfect. Alright. Excellent. Okay.\n\nYes, please. Mhmm. Yeah. Yeah. I can probably get that I could get that online with a screenshot of it work or not.\n\nThat's who needs to be the same. Okay. Mhmm. Okay. Okay.\n\nWell, if you go ahead and organize it, and I will try and bribe them into letting me make a payment today and the balance when the super withdrawal happens. I'm sure they'll understand. I'm sure they've faced this before. So Yep. Oh, I feel your pain.\n\nPerfect. That's right. And I have to say, Michelle rang me the other day for some it's about DocuSign thing. She's a legend. I love her.\n\nShe's my new friend. Yeah. Yes. Yep. Yes.\n\nDefinitely. Yeah. Yep. Oh, I love that. Okay.\n\nPerfect. Excellent. Wonderful. Thank you so much. Yes.\n\nYeah. I think so. I don't I don't know how it's gonna look for getting any pension support for me because I don't understand the whole asset thing. So, yeah, I would need to look at even if I were getting a pension, I would need extra support, however that works, because the pension's not enough. I mean, I will there's a lot of things that were in my plan that I will still probably implement because I don't need to be living in a double story townhouse with three bedrooms and three bathrooms by myself.\n\nThat's not so downsizing was definitely something I was always going to do, which is why I wasn't worried about having a smaller mortgage because I can just, you know, just get a cheaper house. And that'll kill the rest of the mortgage, and I'll be fine with that. But, yeah, it's just managing on a pension alone won't be even doable for anybody, I don't believe. But Try and tell Albanese that. Mhmm.\n\nYep. Yeah. Probably beforehand. I'm probably looking at maybe the next three or four years, I suppose. I haven't thought that far ahead.\n\nI do have a a share portfolio, but I've been I've complicated my life with that. So I will probably look at restructuring that, and I don't know what I'll do. Growing that, I think, over time a little bit more. I I'm asking this. Yeah.\n\nSo I I need to sort that out because it was I changed trustees, and I've gotta do a I can't remember the name of it, but we changed the name on the ownership of the shares without selling them or buying them again. So I have to do that for for every individual holding. And I can't I can't I have no relationship with my broker that collapsed number of years ago. So just even getting away from her has been the biggest headache in the world. So I've gotta do that.\n\nI've gotta take take that leap of faith. I'm fine. They're in a trust. So what I yeah. So I I changed trustees.\n\nMy dad was dying, and I swapped the kids as minor trustees. I'm the major trustee and put the kids in, but the shares were all held because it's in the trust. It states the person's name as well as the name of the trust. And and I have to swap that over so the kids' names are there on the stairs. So there is a name for it that's like a I don't know, nontransactional transfer or some something.\n\nSo I made it. But I I just panicked, and I was trying to swap it over before I had to try and get death certificates and stuff. So I do a panic and probably made a mistake, but whatever. That's not that I don't know. I'm just, you know, treading water treading water's worked for me the last few years.\n\nSo so if I can keep treading water, I'll be okay. I do. Yeah. I think it's about 12,000. I haven't had it valued since I refinanced in 2018 or something like that.\n\nBut in COVID, my neighbor's property sold, which is, like, identical to this one. It's the front street. And they got a million and 50. So I just say it's worth about a million, but I can't you know, it's only worth what someone's prepared to pay for it. Isn't that the isn't that what you're saying?\n\nMhmm. I do. And I think I'm insured for about 135, which might sound underinsured, but, seriously, everything worth anything was stolen a few years ago. So I didn't bother to review that after that because all my good jewelry and everything went. So, you know, I'm not like that.\n\nI've got computer and a shitty old television and that sort of thing, but nothing nothing of any major value anymore. Well, one one ring that I wear all the time, so that's it. Everything else is gone. 2020 RAV four Toyota. I don't know enough about cars to really I don't know.\n\nWell, I I bought it in 20 24 for 40,000. So I don't know what the depreciation is on that, but Sure. Mhmm. Well, where the fuck does that all go? Sorry.\n\nI'm not. Yeah. Yeah. Yeah. I am about to do that because my will is so old.\n\nAnd, like, I I drew that up when my husband died, so that and the kids were baby you know, five and three. So it's like pages and pages of complicated crap, and that's not necessary anymore because they're both in their thirties. So so I definitely need to do a new will. And I think in the super, I've just got $50.50 for the kids. There's yeah.\n\nYeah. I think so. I'm I'm gonna do some I think I'll put it my son owes me a shit ton of money now after I've got nothing left. And I don't think she plans on paying that back. So I need to somehow make sure my daughter is compensated for that.\n\nBut I feel like the will's probably the easiest way rather than I mean, doing it in the hub super will ensure that if anything happens to me today or in the next week before I do anything about it, you won't walk away with extra. What did you call that? Because when I talked to the oh, I oh, I have to sorry. Sorry. That was the the super Okay.\n\nYeah. Put that on my list. No wonder I'm overwhelmed. I'm putting everything off and not dealing with anything. That's no good.\n\nAlright. Okay. Alright. Perfect. Okeydokey.\n\nI know. I will. I'll ring this list, though, as soon as I hang up and get that one ticked off my list. Yeah. Mhmm.\n\nThank you so much. Beautiful. Alright. Yes. Okay.\n\nThey would have told me when I changed over to you, I'm sure. But Yep. Sure. Yeah. Mhmm.\n\nOkay. Mhmm. Oh, I like that. I like I've you know, I'm I'm okay with that 9.8 because I know what what my shares have been making and stuff. So I sort of have my head around that.\n\nSo I'm happy with the 981, but I do like that number. That's good. Alright. Good. Okay.\n\nOkay. Perfect. Thank you so much. Mhmm. Yeah.\n\nMaybe let's reduce some of the risk. Mhmm. Mhmm. Probably a three. Probably Colgate.\n\nNo. I'm gonna say the higher one. I want the 8% or whatever reason. At one stage, I did borrow for shares, but it wasn't something I was very comfortable with. I probably wouldn't go back down that path.\n\nMhmm. Mhmm. Yeah. Yeah. No.\n\nI think that that's gonna stick stick well with me. Yep. Mhmm. Beautiful. Excellent.\n\nNo. I think I think we've covered everything I was looking for at the moment. So mhmm. Beautiful. Alright.\n\nWonderful. Thank you so much. No. Nothing. No.\n\nBut I've missed a few phone calls from mom who's probably sitting there anxiously waiting too. So I'll ring her and say, I have no news. Yeah. Okay. No worries.\n\nThank you. Thanks. Perfect. Thank you. Okay.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.04460342973470688},{"text":"I'm good.","start":5.44,"end":5.92,"sentiment":"positive","sentiment_score":0.6047611236572266},{"text":"Thank you.","start":5.92,"end":6.3999996,"sentiment":"positive","sentiment_score":0.6836570799350739},{"text":"How are you?","start":6.3999996,"end":7.22,"sentiment":"positive","sentiment_score":0.4003601272900899},{"text":"Yes.","start":17.415,"end":17.915,"sentiment":"neutral","sentiment_score":0.207968145608902}],"sentiment":"positive","sentiment_score":0.44783204048871994,"num_words":9,"start":0.64,"end":17.915},{"sentences":[{"text":"Yes.","start":18.375,"end":18.875,"sentiment":"neutral","sentiment_score":0.10813482850790024},{"text":"Oh, been very busy.","start":22.695,"end":25.175,"sentiment":"neutral","sentiment_score":-0.13370490819215775},{"text":"Oh, I've been trying to be busy.","start":25.175,"end":26.695,"sentiment":"neutral","sentiment_score":-0.07786261183874947},{"text":"My daughter's in labor.","start":26.695,"end":28.075,"sentiment":"neutral","sentiment_score":-0.07343153841793537},{"text":"So I'm I'm trying to just speak for herself.","start":28.98,"end":31.8,"sentiment":"neutral","sentiment_score":-0.08665285632014275}],"sentiment":"neutral","sentiment_score":-0.08181299790740013,"num_words":25,"start":18.375,"end":31.8},{"sentences":[{"text":"Yes.","start":34.98,"end":35.46,"sentiment":"neutral","sentiment_score":0.009281768463551998},{"text":"She is.","start":35.46,"end":36.2,"sentiment":"neutral","sentiment_score":0.007181450258940457},{"text":"No.","start":41.115,"end":41.355,"sentiment":"neutral","sentiment_score":-0.24913546442985535},{"text":"No.","start":41.355,"end":41.515,"sentiment":"neutral","sentiment_score":-0.1981750130653381},{"text":"No.","start":41.515,"end":41.915,"sentiment":"neutral","sentiment_score":-0.19043315947055817}],"sentiment":"neutral","sentiment_score":-0.10234982799738646,"num_words":6,"start":34.98,"end":41.915},{"sentences":[{"text":"That's okay because I need to distract myself because there's not much I can do from this this end.","start":41.915,"end":48.955,"sentiment":"neutral","sentiment_score":-0.13019842576039464},{"text":"So I will.","start":48.955,"end":56.36,"sentiment":"neutral","sentiment_score":-0.011023003607988358},{"text":"So thank you.","start":57.7,"end":60.04,"sentiment":"neutral","sentiment_score":0.17232278734445572},{"text":"Yeah.","start":61.86,"end":62.18,"sentiment":"neutral","sentiment_score":0.02521655336022377},{"text":"She's having a girl.","start":62.18,"end":63.46,"sentiment":"neutral","sentiment_score":0.08089474774897099}],"sentiment":"neutral","sentiment_score":-0.054702506462732954,"num_words":30,"start":41.915,"end":63.46},{"sentences":[{"text":"So yeah.","start":63.46,"end":65.4,"sentiment":"neutral","sentiment_score":0.22190596535801888},{"text":"My thing.","start":65.62,"end":67.655,"sentiment":"positive","sentiment_score":0.41957026720046997},{"text":"My first no.","start":69.075,"end":70.995,"sentiment":"neutral","sentiment_score":0.031637859220306076},{"text":"First granddaughter, though.","start":70.995,"end":72.615,"sentiment":"neutral","sentiment_score":0.024804536253213882},{"text":"I've got two grandsons, so it's very and very exciting.","start":73.635,"end":80.24,"sentiment":"neutral","sentiment_score":0.2428980752825737}],"sentiment":"neutral","sentiment_score":0.19406302021816374,"num_words":20,"start":63.46,"end":80.24},{"sentences":[{"text":"Yes.","start":92.22,"end":92.72,"sentiment":"neutral","sentiment_score":0.12713046371936798},{"text":"Yes.","start":97.895004,"end":98.395004,"sentiment":"neutral","sentiment_score":0.0810525044798851},{"text":"Okay.","start":98.775,"end":99.275,"sentiment":"neutral","sentiment_score":-0.030197130516171455},{"text":"Yeah.","start":108.69,"end":109.09,"sentiment":"neutral","sentiment_score":0.08517400920391083},{"text":"Okay.","start":109.09,"end":109.59,"sentiment":"neutral","sentiment_score":0.11302371323108672}],"sentiment":"neutral","sentiment_score":0.07523671202361584,"num_words":5,"start":92.22,"end":109.59},{"sentences":[{"text":"Sure.","start":109.729996,"end":110.229996,"sentiment":"neutral","sentiment_score":0.3162987530231476},{"text":"Yeah.","start":117.17,"end":117.57,"sentiment":"neutral","sentiment_score":0.1519431322813034},{"text":"Thank you.","start":117.57,"end":118.31,"sentiment":"positive","sentiment_score":0.5666281431913376},{"text":"Catherine Luella Branchley, Unit 2 24 Carousel Street, Boling, 20th Of January 65.","start":127.435,"end":134.31,"sentiment":"neutral","sentiment_score":0.018222658680035517},{"text":"Mhmm.","start":158.695,"end":159.095,"sentiment":"neutral","sentiment_score":0.09199610352516174}],"sentiment":"neutral","sentiment_score":0.10724382433626387,"num_words":18,"start":109.729996,"end":159.095},{"sentences":[{"text":"Yeah.","start":159.095,"end":159.595,"sentiment":"neutral","sentiment_score":0.20847812294960025},{"text":"Yeah.","start":178.06,"end":178.56,"sentiment":"neutral","sentiment_score":0.019951891154050827},{"text":"Well, so at this stage, I am they've just sit on on it till sixty seven, But I am in the process of doing a you know, you've gotta you've gotta get this passivity certificate and all sorts of stuff.","start":188.215,"end":207.135,"sentiment":"neutral","sentiment_score":-0.07437932677567005},{"text":"They work they don't just give you your lump sum.","start":207.135,"end":209.455,"sentiment":"neutral","sentiment_score":-0.17934258207678794},{"text":"You've gotta actually sue them for so I'm in that limbo thing.","start":209.455,"end":216.675,"sentiment":"neutral","sentiment_score":-0.2555552087724209}],"sentiment":"neutral","sentiment_score":-0.11885674035875127,"num_words":64,"start":159.095,"end":216.675},{"sentences":[{"text":"No.","start":235.52501,"end":235.845,"sentiment":"neutral","sentiment_score":-0.17560437321662903},{"text":"So I've I mean, it it will continue according to work cover.","start":235.845,"end":240.74501,"sentiment":"neutral","sentiment_score":-0.13584530477722487},{"text":"They're not there'll be no return to work for me.","start":241.365,"end":245.545,"sentiment":"neutral","sentiment_score":-0.25285118222236636},{"text":"But with the solicitor, I'm in the process of getting a affidavit completed to submit with our application.","start":248.45,"end":260.71,"sentiment":"neutral","sentiment_score":0.014895311867197355},{"text":"So I've got a second appointment because that's pretty full on.","start":261.09,"end":266.275,"sentiment":"neutral","sentiment_score":0.06127588450908661}],"sentiment":"neutral","sentiment_score":-0.0652328751837978,"num_words":52,"start":235.52501,"end":266.275},{"sentences":[{"text":"Yeah.","start":268.815,"end":269.315,"sentiment":"neutral","sentiment_score":0.06785860657691956},{"text":"So I'm not sure when the next appointment's gonna be that just they'll contact me and go from there.","start":269.455,"end":278.06998,"sentiment":"neutral","sentiment_score":0.005422680491679593},{"text":"But alright.","start":278.06998,"end":280.15,"sentiment":"neutral","sentiment_score":0.04065208323299885},{"text":"I'm just having my breakfast.","start":280.15,"end":281.69,"sentiment":"neutral","sentiment_score":0.09548465237021446},{"text":"Right.","start":318.145,"end":318.625,"sentiment":"neutral","sentiment_score":-0.1367567479610443}],"sentiment":"neutral","sentiment_score":0.021173579152673483,"num_words":28,"start":268.815,"end":318.625},{"sentences":[{"text":"So it was a mental health thing.","start":318.625,"end":323.745,"sentiment":"neutral","sentiment_score":-0.22275172173976898},{"text":"I I refer to it as a physical and mental breakdown, but I don't think they use those terms these days.","start":323.745,"end":331.93002,"sentiment":"neutral","sentiment_score":-0.19750765746548063},{"text":"And, you know, now now that Aftermath is have a lot of unmanaged anxiety and have a few social issues and things around that.","start":335.99002,"end":352.17502,"sentiment":"neutral","sentiment_score":-0.2572916867211461},{"text":"The physical side of things now has improved, but it's still a bit of a thing hanging over my head with food and stuff like that.","start":358.78,"end":369.785,"sentiment":"negative","sentiment_score":-0.3853177147415968},{"text":"So I have to monitor my diet and how I manage that because I lost 10, and, yeah, it was bad.","start":369.785,"end":387.03,"sentiment":"neutral","sentiment_score":-0.07515448030261766}],"sentiment":"neutral","sentiment_score":-0.23715583848381283,"num_words":99,"start":318.625,"end":387.03},{"sentences":[{"text":"Yeah.","start":399.315,"end":399.815,"sentiment":"neutral","sentiment_score":0.22519603371620175},{"text":"I'd say Yeah.","start":400.35498,"end":405.095,"sentiment":"neutral","sentiment_score":0.1241732935110728},{"text":"Mhmm.","start":427.955,"end":428.455,"sentiment":"neutral","sentiment_score":0.056607868522405624},{"text":"No worries.","start":428.51498,"end":429.335,"sentiment":"neutral","sentiment_score":0.1557939127087593},{"text":"Mhmm.","start":450.04498,"end":450.54498,"sentiment":"neutral","sentiment_score":0.013339021243155004}],"sentiment":"neutral","sentiment_score":0.12240632867906243,"num_words":8,"start":399.315,"end":450.54498},{"sentences":[{"text":"No.","start":470.31,"end":470.71,"sentiment":"neutral","sentiment_score":-0.09126891195774078},{"text":"That's supposed to continue while I'm still getting payments.","start":470.71,"end":475.12997,"sentiment":"neutral","sentiment_score":-0.04860098949737019},{"text":"They will process.","start":475.18997,"end":477.98502,"sentiment":"neutral","sentiment_score":0.040144180258115135},{"text":"So yeah.","start":477.98502,"end":484.465,"sentiment":"neutral","sentiment_score":0.10913699492812157},{"text":"Mhmm.","start":484.465,"end":484.965,"sentiment":"neutral","sentiment_score":0.08514581620693207}],"sentiment":"neutral","sentiment_score":-0.0065515919122844934,"num_words":16,"start":470.31,"end":484.965},{"sentences":[{"text":"Oh, no.","start":511.845,"end":512.245,"sentiment":"neutral","sentiment_score":-0.12841450423002243},{"text":"I don't think I don't think we were going ahead with that because anything that they pay me just comes off the workers' compensation payment.","start":512.245,"end":523.25,"sentiment":"neutral","sentiment_score":-0.21033938139677047},{"text":"So it would just neutralize any, you know, any income that I was getting from workers' comp.","start":524.91,"end":534.235,"sentiment":"neutral","sentiment_score":-0.037963419714394736},{"text":"So I don't know.","start":538.135,"end":539.755,"sentiment":"neutral","sentiment_score":-0.1400462482124567},{"text":"I I might have to call the solicitor and ask them about that.","start":540.215,"end":543.6,"sentiment":"neutral","sentiment_score":-0.20587934668247515}],"sentiment":"neutral","sentiment_score":-0.15405423243026264,"num_words":61,"start":511.845,"end":543.6},{"sentences":[{"text":"Right.","start":560.135,"end":560.635,"sentiment":"neutral","sentiment_score":0.018786847591400143},{"text":"Yeah.","start":583.89996,"end":584.39996,"sentiment":"neutral","sentiment_score":0.09106473624706268},{"text":"Sure.","start":593.405,"end":593.905,"sentiment":"neutral","sentiment_score":0.1226370930671692},{"text":"Yeah.","start":603.86,"end":604.36,"sentiment":"neutral","sentiment_score":0.23088960349559784},{"text":"Okay.","start":623.725,"end":624.225,"sentiment":"neutral","sentiment_score":0.07334877550601959}],"sentiment":"neutral","sentiment_score":0.10734541118144988,"num_words":5,"start":560.135,"end":624.225},{"sentences":[{"text":"I wish I'd known that before I went.","start":624.605,"end":626.70496,"sentiment":"neutral","sentiment_score":-0.015510359196923673},{"text":"Yeah.","start":642.62,"end":643.12,"sentiment":"neutral","sentiment_score":-0.1853496879339218},{"text":"Well yeah.","start":647.635,"end":649.17505,"sentiment":"neutral","sentiment_score":-0.027986273169517517},{"text":"What I'm trying to do is I've still got a mortgage on my house, and I'm thinking if I can use some of that money for that as well to just reduce the mortgage and make, you know, make my life a bit easier.","start":650.43506,"end":669.93,"sentiment":"neutral","sentiment_score":0.08311499684879725},{"text":"I'm trying it's 132, which I need to refinance because I'm paying too much interest.","start":672.315,"end":685.835,"sentiment":"neutral","sentiment_score":-0.049829338467679916}],"sentiment":"neutral","sentiment_score":0.036345923949764776,"num_words":70,"start":624.605,"end":685.835},{"sentences":[{"text":"But but I'm thinking if I refinance, I'll pay down some of that loan, I think, if I can.","start":685.835,"end":699.4,"sentiment":"neutral","sentiment_score":0.02857126658292193},{"text":"Well, if I could get it under 100, that would be encouraging.","start":709.885,"end":719.02,"sentiment":"neutral","sentiment_score":0.26554512480894726},{"text":"Oh, okay.","start":758.285,"end":758.945,"sentiment":"neutral","sentiment_score":0.08756760880351067},{"text":"Mhmm.","start":774.55,"end":775.05,"sentiment":"neutral","sentiment_score":0.009216335602104664},{"text":"Yeah.","start":805.92,"end":806.42,"sentiment":"neutral","sentiment_score":-0.0030732848681509495}],"sentiment":"neutral","sentiment_score":0.11173353803211025,"num_words":35,"start":685.835,"end":806.42},{"sentences":[{"text":"Yeah.","start":809.815,"end":810.315,"sentiment":"neutral","sentiment_score":-0.009402177296578884},{"text":"Yeah.","start":845.865,"end":846.365,"sentiment":"neutral","sentiment_score":-0.08270469307899475},{"text":"So gross weekly, I get $13.76, which works out to $11.12 net.","start":861.72504,"end":870.625,"sentiment":"neutral","sentiment_score":0.008337688127843043},{"text":"I did the right homework, didn't I?","start":873.085,"end":875.505,"sentiment":"neutral","sentiment_score":0.035690611095300744},{"text":"Been busy writing stuff down.","start":877.85,"end":879.93,"sentiment":"neutral","sentiment_score":0.0045184439048171045}],"sentiment":"neutral","sentiment_score":0.010783534013451291,"num_words":26,"start":809.815,"end":879.93},{"sentences":[{"text":"I'm sorry.","start":879.93,"end":880.50995,"sentiment":"neutral","sentiment_score":0.00496277492493391},{"text":"Well, I have been eating into my savings, but, you know, I've I didn't used to feel like I had to budget, and it's taken me a long time to manage all of that because I have been seriously unable to do that sort of shit.","start":907.32,"end":927.215,"sentiment":"negative","sentiment_score":-0.42474306860695715},{"text":"But I think I'm getting a bit of a handle on it now.","start":927.215,"end":930.59503,"sentiment":"neutral","sentiment_score":-0.01920191295301685},{"text":"But, yeah, I did blow a lot of savings over it, sadly.","start":933.18,"end":943.20996,"sentiment":"neutral","sentiment_score":-0.19581700706233582},{"text":"Yeah.","start":965.95996,"end":966.27997,"sentiment":"neutral","sentiment_score":-0.0699949711561203}],"sentiment":"neutral","sentiment_score":-0.2999686423022099,"num_words":74,"start":879.93,"end":966.27997},{"sentences":[{"text":"Well, I actually my bills all went up because I was home all the time, and and I've got you know, I don't they don't cover my 100% of my medical fees and bills and stuff either.","start":966.27997,"end":981.785,"sentiment":"neutral","sentiment_score":-0.24504772875760053},{"text":"So that's been an added expense.","start":981.785,"end":989.725,"sentiment":"neutral","sentiment_score":-0.2822244316339493},{"text":"Mhmm.","start":1001.37,"end":1001.87,"sentiment":"neutral","sentiment_score":-0.010192573070526125},{"text":"Look.","start":1055.6,"end":1055.84,"sentiment":"neutral","sentiment_score":-0.04019838944077492},{"text":"I think I really need to get this mortgage situation sorted out and get it refinanced because that will save me not save me, but it will help reduce the mortgage quicker over the next few years.","start":1055.84,"end":1080.81,"sentiment":"neutral","sentiment_score":-0.029487519613089593}],"sentiment":"neutral","sentiment_score":-0.14514075295159184,"num_words":82,"start":966.27997,"end":1080.81},{"sentences":[{"text":"And I have kinda learned to pull my head in.","start":1080.81,"end":1085.4701,"sentiment":"neutral","sentiment_score":0.08850822523236275},{"text":"So I think for now, no.","start":1093.615,"end":1096.335,"sentiment":"neutral","sentiment_score":-0.0007502418011426926},{"text":"I'm okay.","start":1096.335,"end":1097.155,"sentiment":"neutral","sentiment_score":0.026688935235142708},{"text":"If I can get this refinancing and all that.","start":1100.735,"end":1108.17,"sentiment":"neutral","sentiment_score":0.12500476671589744},{"text":"You you did refer me, and they needed documents.","start":1120.125,"end":1123.985,"sentiment":"neutral","sentiment_score":-0.04993323464360502}],"sentiment":"neutral","sentiment_score":0.04471117946215802,"num_words":36,"start":1080.81,"end":1123.985},{"sentences":[{"text":"And as I said, my life's been a mess.","start":1124.205,"end":1128.6849,"sentiment":"neutral","sentiment_score":-0.30148477852344513},{"text":"So I've been getting those documents, and I I'm behind in my tax and all that sort of stuff.","start":1128.6849,"end":1137.65,"sentiment":"neutral","sentiment_score":-0.31282994464824077},{"text":"So I actually have to get that have to try and get that sorted first before I move forward.","start":1137.65,"end":1145.5701,"sentiment":"neutral","sentiment_score":-0.15847726136838136},{"text":"But I have the details.","start":1145.5701,"end":1149.6549,"sentiment":"neutral","sentiment_score":0.02549675703048706},{"text":"I've made contact with me.","start":1149.715,"end":1151.315,"sentiment":"neutral","sentiment_score":0.03404429852962494}],"sentiment":"neutral","sentiment_score":-0.19948236216186432,"num_words":57,"start":1124.205,"end":1151.315},{"sentences":[{"text":"So once once I cross over that first line, it's a process, and it's a bit overwhelming.","start":1151.315,"end":1162.87,"sentiment":"neutral","sentiment_score":-0.11232718025498531},{"text":"That's that's not okay.","start":1162.87,"end":1166.97,"sentiment":"neutral","sentiment_score":-0.07404013350605965},{"text":"I'll keep trying to get that done.","start":1168.39,"end":1170.73,"sentiment":"neutral","sentiment_score":-0.020966691098042896},{"text":"Thank you.","start":1194.4,"end":1196.02,"sentiment":"positive","sentiment_score":0.48760825395584106},{"text":"Thank you.","start":1222.53,"end":1223.3501,"sentiment":"positive","sentiment_score":0.5261702537536621}],"sentiment":"neutral","sentiment_score":-0.010154138144571334,"num_words":32,"start":1151.315,"end":1223.3501},{"sentences":[{"text":"Yep.","start":1223.65,"end":1224.15,"sentiment":"neutral","sentiment_score":0.2449571788311005},{"text":"Is it is it complicated to to draw the money out?","start":1253.99,"end":1259.9751,"sentiment":"neutral","sentiment_score":-0.13532921028408137},{"text":"I looked it up this morning.","start":1292.5149,"end":1293.955,"sentiment":"neutral","sentiment_score":0.0011690771207213402},{"text":"It's 309230 9.","start":1293.955,"end":1296.455,"sentiment":"neutral","sentiment_score":0.0145877031609416},{"text":"So in the past, I've used that Aware as, like, a parking ground.","start":1347.625,"end":1354.14,"sentiment":"neutral","sentiment_score":0.12842387706041336}],"sentiment":"neutral","sentiment_score":0.01401834822643329,"num_words":34,"start":1223.65,"end":1354.14},{"sentences":[{"text":"And then, generally, once it gets over a certain amount, do you make a lump sum withdrawal and swap it into the hub?","start":1355.0,"end":1368.235,"sentiment":"neutral","sentiment_score":0.11980933631243913},{"text":"I just I'd because that yours is, I think, earning a better return than Aware for Hub '24.","start":1372.4551,"end":1384.29,"sentiment":"neutral","sentiment_score":0.2925524537762006},{"text":"So either way, I'll probably bring that Aware back to sort of $20 or whatever I needed to.","start":1384.99,"end":1393.6849,"sentiment":"neutral","sentiment_score":0.10494107018328375},{"text":"I don't actually if I'm not paying the insurance anymore, I don't know that I have to have $20 in there.","start":1393.6849,"end":1401.145,"sentiment":"neutral","sentiment_score":-0.19595578383831752},{"text":"Yeah.","start":1440.54,"end":1441.04,"sentiment":"neutral","sentiment_score":-0.07649210095405579}],"sentiment":"neutral","sentiment_score":0.07060413092466784,"num_words":81,"start":1355.0,"end":1441.04},{"sentences":[{"text":"Mhmm.","start":1446.86,"end":1447.36,"sentiment":"neutral","sentiment_score":-0.13486731052398682},{"text":"Well no.","start":1463.13,"end":1467.45,"sentiment":"neutral","sentiment_score":-0.07876256108283997},{"text":"That's alright.","start":1467.45,"end":1468.09,"sentiment":"neutral","sentiment_score":-0.07781696505844593},{"text":"I just also thought that with Aware, they would accept the small payments in, whereas Hub twenty four wouldn't do that.","start":1468.09,"end":1480.9049,"sentiment":"neutral","sentiment_score":0.004354594541447504},{"text":"That was my understanding.","start":1482.085,"end":1483.3849,"sentiment":"neutral","sentiment_score":-0.03935239417478442}],"sentiment":"neutral","sentiment_score":-0.017132981804509957,"num_words":30,"start":1446.86,"end":1483.3849},{"sentences":[{"text":"I think maybe then I only kept it for the insurance portion.","start":1505.595,"end":1509.535,"sentiment":"neutral","sentiment_score":-0.06661173732330401},{"text":"Yeah.","start":1529.4701,"end":1529.9701,"sentiment":"neutral","sentiment_score":0.05231102555990219},{"text":"Mhmm.","start":1552.23,"end":1552.73,"sentiment":"neutral","sentiment_score":0.04855911061167717},{"text":"Yep.","start":1571.015,"end":1571.515,"sentiment":"neutral","sentiment_score":0.10760176181793212},{"text":"That would be great.","start":1573.735,"end":1575.0349,"sentiment":"positive","sentiment_score":0.39079397171735764}],"sentiment":"neutral","sentiment_score":0.051174049314699675,"num_words":19,"start":1505.595,"end":1575.0349},{"sentences":[{"text":"Yeah.","start":1576.215,"end":1576.715,"sentiment":"neutral","sentiment_score":0.12759806215763092},{"text":"Things change, and I don't seem to keep up with that.","start":1577.85,"end":1581.07,"sentiment":"neutral","sentiment_score":-0.14873007075353104},{"text":"They probably just paid because I was with Aware when I was working.","start":1603.885,"end":1610.35,"sentiment":"neutral","sentiment_score":-0.05466049737655199},{"text":"It probably just came through the employer, I think.","start":1611.21,"end":1614.99,"sentiment":"neutral","sentiment_score":-0.056661306569973625},{"text":"Yeah.","start":1642.78,"end":1643.28,"sentiment":"neutral","sentiment_score":0.05667148530483246}],"sentiment":"neutral","sentiment_score":-0.07635141302432333,"num_words":35,"start":1576.215,"end":1643.28},{"sentences":[{"text":"Okay.","start":1667.04,"end":1667.54,"sentiment":"neutral","sentiment_score":0.19228997826576233},{"text":"Sounds perfect.","start":1669.2,"end":1670.34,"sentiment":"neutral","sentiment_score":0.17862562090158463},{"text":"Well, I will need to pay this list.","start":1697.87,"end":1699.87,"sentiment":"neutral","sentiment_score":-0.049562816275283694},{"text":"Are they gonna be hassling me soon.","start":1699.87,"end":1702.355,"sentiment":"neutral","sentiment_score":-0.05999712539570672},{"text":"I did ask them to give me a few days, and I've taken a week already.","start":1702.355,"end":1705.815,"sentiment":"neutral","sentiment_score":-0.01569515489973128}],"sentiment":"neutral","sentiment_score":-0.015237166655852515,"num_words":34,"start":1667.04,"end":1705.815},{"sentences":[{"text":"I so I'll need the 10,000, and I don't even know how to pay the money off off the mortgage because I sit I sit money in an offset account, and that makes the mortgage look prettier than it is.","start":1709.715,"end":1736.3651,"sentiment":"neutral","sentiment_score":-0.1920586469117552},{"text":"I'm not sure whether the best what this is what I wanna refinance and just get that.","start":1739.55,"end":1747.41,"sentiment":"neutral","sentiment_score":-0.16993947896887274},{"text":"And then I can see it.","start":1747.55,"end":1748.75,"sentiment":"neutral","sentiment_score":-0.06735033790270488},{"text":"I don't like this offset set up.","start":1748.75,"end":1750.75,"sentiment":"neutral","sentiment_score":-0.28578232654503416},{"text":"It's not how I spent all my money.","start":1750.75,"end":1755.2251,"sentiment":"negative","sentiment_score":-0.42083239555358887}],"sentiment":"neutral","sentiment_score":-0.20951992944360542,"num_words":78,"start":1709.715,"end":1755.2251},{"sentences":[{"text":"It's too accessible.","start":1758.405,"end":1759.7051,"sentiment":"negative","sentiment_score":-0.3860256274541219},{"text":"What do I wanna do?","start":1763.8451,"end":1765.2251,"sentiment":"neutral","sentiment_score":-0.13369508534669877},{"text":"So okay.","start":1767.7999,"end":1769.1799,"sentiment":"neutral","sentiment_score":0.0338924266397953},{"text":"So I take 50 out, and I'll just sit 40 of the offsets while I try and sort out my tax.","start":1770.2,"end":1780.38,"sentiment":"neutral","sentiment_score":0.03155021839553401},{"text":"And then I can do something productive and get onto a break your your broker and get a better mortgage set up and something that works better for me.","start":1781.615,"end":1794.115,"sentiment":"neutral","sentiment_score":0.20558046523866982}],"sentiment":"neutral","sentiment_score":0.08109367704018951,"num_words":60,"start":1758.405,"end":1794.115},{"sentences":[{"text":"So that will bring me under a 100 for my interest for my oh, no.","start":1796.18,"end":1802.26,"sentiment":"neutral","sentiment_score":0.052890315651893616},{"text":"It'll bring me down to about a 100.","start":1802.26,"end":1804.28,"sentiment":"neutral","sentiment_score":0.04673221497796476},{"text":"If I put 40 yeah.","start":1806.42,"end":1808.7349,"sentiment":"neutral","sentiment_score":0.013675018399953841},{"text":"A bit under a 100.","start":1808.7349,"end":1810.075,"sentiment":"neutral","sentiment_score":0.011598987318575383},{"text":"Yeah.","start":1818.695,"end":1819.195,"sentiment":"neutral","sentiment_score":0.10885736346244812}],"sentiment":"neutral","sentiment_score":0.04124823078403578,"num_words":34,"start":1796.18,"end":1819.195},{"sentences":[{"text":"Is it what am I trying to say?","start":1835.65,"end":1843.1349,"sentiment":"neutral","sentiment_score":-0.03293126495555043},{"text":"It's not what I'm trying to say.","start":1843.6749,"end":1845.2949,"sentiment":"neutral","sentiment_score":-0.32807089175496784},{"text":"I what do you is it gonna impact financially more if I take it out of the?","start":1846.875,"end":1852.2549,"sentiment":"negative","sentiment_score":-0.3828182413297541},{"text":"I mean, I can ring this list and say we're going through the withdrawal process.","start":1852.53,"end":1857.25,"sentiment":"neutral","sentiment_score":-0.08703866023570299},{"text":"Can you give me I don't know what would it be, two weeks?","start":1857.25,"end":1861.43,"sentiment":"neutral","sentiment_score":-0.08157066685649064}],"sentiment":"neutral","sentiment_score":-0.19056425062008203,"num_words":60,"start":1835.65,"end":1861.43},{"sentences":[{"text":"Okay.","start":1905.835,"end":1906.335,"sentiment":"neutral","sentiment_score":0.039018869400024414},{"text":"If you're gonna be reevaluating my portfolio with Hub, I'm not very sure what this process looks like, but if you were to take the, like, the higher risk portion, some of that out, and then get the I mean, you could do 80,000 out of the way 90,000 out of the way and that out of the you know, to to put back in.","start":1914.37,"end":1953.3401,"sentiment":"neutral","sentiment_score":-0.15311634428799153},{"text":"Does that make sense?","start":1953.3401,"end":1954.515,"sentiment":"neutral","sentiment_score":-0.030307266861200333},{"text":"To put back into hub?","start":1956.435,"end":1957.975,"sentiment":"neutral","sentiment_score":0.01578923538327217},{"text":"Otherwise, I am so otherwise, I I could just ring this list and say, right.","start":1960.115,"end":1965.875,"sentiment":"neutral","sentiment_score":0.05225763606528441}],"sentiment":"neutral","sentiment_score":-0.10191068732076221,"num_words":90,"start":1905.835,"end":1965.875},{"sentences":[{"text":"It's it's a process to get this out.","start":1965.875,"end":1968.1951,"sentiment":"neutral","sentiment_score":0.039435054175555706},{"text":"I need I need a week or so to or a week, do you think, would be safe or, say, ten working days?","start":1968.1951,"end":1975.8701,"sentiment":"neutral","sentiment_score":0.00045937299728393555},{"text":"Yeah.","start":2003.22,"end":2003.72,"sentiment":"neutral","sentiment_score":0.00187829602509737},{"text":"So I'm still not sure where I'm taking the money at.","start":2003.78,"end":2007.16,"sentiment":"neutral","sentiment_score":-0.06374028900807555},{"text":"Because if the solicitor says it's okay to, you know, that they'll they're happy for me to pay that bill in two weeks' time, then I I think I would just take it out of Aware, I think.","start":2008.42,"end":2023.405,"sentiment":"neutral","sentiment_score":0.06185229132442098}],"sentiment":"neutral","sentiment_score":0.024409483945756046,"num_words":81,"start":1965.875,"end":2023.405},{"sentences":[{"text":"Does it?","start":2025.0651,"end":2025.805,"sentiment":"neutral","sentiment_score":0.19865389168262482},{"text":"Yeah.","start":2035.36,"end":2035.86,"sentiment":"neutral","sentiment_score":0.08267543464899063},{"text":"That might be.","start":2036.0,"end":2037.06,"sentiment":"neutral","sentiment_score":0.09279063592354457},{"text":"And I'll I'll call you back once I hit when I once I is that alright?","start":2039.36,"end":2049.275,"sentiment":"neutral","sentiment_score":0.08006604062393308},{"text":"Is that is that the right thing to do, or is it not gonna make a huge difference either way?","start":2050.615,"end":2056.02,"sentiment":"neutral","sentiment_score":0.08953377213329076}],"sentiment":"neutral","sentiment_score":0.09119255281984806,"num_words":42,"start":2025.0651,"end":2056.02},{"sentences":[{"text":"Yeah.","start":2112.98,"end":2113.48,"sentiment":"neutral","sentiment_score":-0.06247282773256302},{"text":"It does.","start":2154.755,"end":2155.415,"sentiment":"neutral","sentiment_score":0.10324695333838463},{"text":"I just I still don't know whether that's I'm making the right decision to do it that way or whether and I don't know what the difference is going to be if I just go direct from other than PACE.","start":2155.635,"end":2171.08,"sentiment":"negative","sentiment_score":-0.34133089520037174},{"text":"Yep.","start":2201.21,"end":2201.71,"sentiment":"neutral","sentiment_score":0.03680006414651871},{"text":"Right.","start":2230.35,"end":2230.85,"sentiment":"neutral","sentiment_score":-0.1893503963947296}],"sentiment":"neutral","sentiment_score":-0.30359477914041944,"num_words":45,"start":2112.98,"end":2230.85},{"sentences":[{"text":"It's another problem I have is I can't make any decisions anymore.","start":2234.0952,"end":2238.0352,"sentiment":"negative","sentiment_score":-0.46855320533116657},{"text":"Okay.","start":2261.09,"end":2261.59,"sentiment":"neutral","sentiment_score":0.2144639790058136},{"text":"Just want someone else to take control.","start":2273.9348,"end":2276.1948,"sentiment":"neutral","sentiment_score":-0.12563113336052215},{"text":"I don't wanna play adults anymore.","start":2276.4148,"end":2285.3298,"sentiment":"neutral","sentiment_score":-0.30967350987096626},{"text":"Okay.","start":2307.17,"end":2307.67,"sentiment":"neutral","sentiment_score":0.3229171335697174}],"sentiment":"neutral","sentiment_score":-0.2897302349684415,"num_words":27,"start":2234.0952,"end":2307.67},{"sentences":[{"text":"Let's do that.","start":2307.73,"end":2308.69,"sentiment":"neutral","sentiment_score":0.24582439661026},{"text":"I will ring the solicitor.","start":2308.69,"end":2310.39,"sentiment":"neutral","sentiment_score":0.1068367376923561},{"text":"Yeah.","start":2311.81,"end":2312.13,"sentiment":"neutral","sentiment_score":0.1257806122303009},{"text":"So if I because I could give them a little bit now.","start":2312.13,"end":2316.63,"sentiment":"neutral","sentiment_score":0.16048994412024817},{"text":"You know, like, I could pay them 2 and a half grand or something now and then just the balance when that comes through, and and I'm I'm sure they'll be okay with that.","start":2317.235,"end":2325.895,"sentiment":"neutral","sentiment_score":0.160620768499725}],"sentiment":"neutral","sentiment_score":0.15971678089011798,"num_words":55,"start":2307.73,"end":2325.895},{"sentences":[{"text":"So I might, you know, scream, but I'll confirm with you.","start":2328.7551,"end":2332.73,"sentiment":"neutral","sentiment_score":0.05197081850333647},{"text":"I'll ring is Michelle working today?","start":2332.73,"end":2335.07,"sentiment":"neutral","sentiment_score":0.06590946825842063},{"text":"Is it Michelle?","start":2336.57,"end":2337.31,"sentiment":"neutral","sentiment_score":0.06815147896607716},{"text":"Yeah.","start":2340.65,"end":2341.15,"sentiment":"neutral","sentiment_score":0.15210336446762085},{"text":"Oh, okay.","start":2380.655,"end":2381.235,"sentiment":"neutral","sentiment_score":0.0831877738237381}],"sentiment":"neutral","sentiment_score":0.06478561574350232,"num_words":23,"start":2328.7551,"end":2381.235},{"sentences":[{"text":"Yeah.","start":2408.445,"end":2408.7651,"sentiment":"neutral","sentiment_score":0.22064879536628723},{"text":"That sounds good.","start":2408.7651,"end":2409.905,"sentiment":"positive","sentiment_score":0.44714821378389996},{"text":"Yeah.","start":2416.445,"end":2416.945,"sentiment":"neutral","sentiment_score":0.09836305677890778},{"text":"So so you will pay it will all go into the bank account, and then I can send that on to the solicitor.","start":2417.0051,"end":2425.0,"sentiment":"neutral","sentiment_score":0.055245172394358597},{"text":"Okay.","start":2425.38,"end":2425.88,"sentiment":"neutral","sentiment_score":0.059793621301651}],"sentiment":"neutral","sentiment_score":0.10313410620237219,"num_words":29,"start":2408.445,"end":2425.88},{"sentences":[{"text":"Let's do that.","start":2426.18,"end":2427.16,"sentiment":"neutral","sentiment_score":0.050668954849243164},{"text":"Perfect.","start":2434.42,"end":2434.92,"sentiment":"positive","sentiment_score":0.38753852248191833},{"text":"Alright.","start":2436.135,"end":2436.5352,"sentiment":"neutral","sentiment_score":0.3124147355556488},{"text":"Excellent.","start":2436.5352,"end":2437.0352,"sentiment":"positive","sentiment_score":0.5642273426055908},{"text":"Okay.","start":2438.5352,"end":2439.0352,"sentiment":"neutral","sentiment_score":0.2245512008666992}],"sentiment":"neutral","sentiment_score":0.23439123800822667,"num_words":7,"start":2426.18,"end":2439.0352},{"sentences":[{"text":"Yes, please.","start":2443.655,"end":2444.475,"sentiment":"neutral","sentiment_score":0.15619220584630966},{"text":"Mhmm.","start":2455.5898,"end":2456.0898,"sentiment":"neutral","sentiment_score":0.05696481466293335},{"text":"Yeah.","start":2479.4502,"end":2479.9502,"sentiment":"neutral","sentiment_score":0.014826560392975807},{"text":"Yeah.","start":2480.1702,"end":2480.57,"sentiment":"neutral","sentiment_score":0.01095667015761137},{"text":"I can probably get that I could get that online with a screenshot of it work or not.","start":2480.57,"end":2488.4102,"sentiment":"neutral","sentiment_score":0.007357068359851837}],"sentiment":"neutral","sentiment_score":0.02293737771232491,"num_words":23,"start":2443.655,"end":2488.4102},{"sentences":[{"text":"That's who needs to be the same.","start":2488.4102,"end":2490.27,"sentiment":"neutral","sentiment_score":-0.0029038736330611365},{"text":"Okay.","start":2505.125,"end":2505.625,"sentiment":"neutral","sentiment_score":0.04696910083293915},{"text":"Mhmm.","start":2511.0198,"end":2511.5198,"sentiment":"neutral","sentiment_score":0.018971286714076996},{"text":"Okay.","start":2536.345,"end":2536.74,"sentiment":"neutral","sentiment_score":0.003597778268158436},{"text":"Okay.","start":2616.205,"end":2616.705,"sentiment":"neutral","sentiment_score":0.015477567911148071}],"sentiment":"neutral","sentiment_score":0.005880783481354063,"num_words":11,"start":2488.4102,"end":2616.705},{"sentences":[{"text":"Well, if you go ahead and organize it, and I will try and bribe them into letting me make a payment today and the balance when the super withdrawal happens.","start":2636.405,"end":2649.8,"sentiment":"neutral","sentiment_score":0.09646014062066872},{"text":"I'm sure they'll understand.","start":2650.1,"end":2651.48,"sentiment":"neutral","sentiment_score":0.06177538447082043},{"text":"I'm sure they've faced this before.","start":2651.7,"end":2653.72,"sentiment":"neutral","sentiment_score":-0.055628580041229725},{"text":"So Yep.","start":2667.225,"end":2669.885,"sentiment":"neutral","sentiment_score":-0.06101517006754875},{"text":"Oh, I feel your pain.","start":2678.81,"end":2680.51,"sentiment":"neutral","sentiment_score":-0.1652541607618332}],"sentiment":"neutral","sentiment_score":0.039549641113014934,"num_words":47,"start":2636.405,"end":2680.51},{"sentences":[{"text":"Perfect.","start":2700.64,"end":2701.14,"sentiment":"neutral","sentiment_score":0.3151138424873352},{"text":"That's right.","start":2704.3198,"end":2705.22,"sentiment":"neutral","sentiment_score":0.21840666979551315},{"text":"And I have to say, Michelle rang me the other day for some it's about DocuSign thing.","start":2712.5352,"end":2719.675,"sentiment":"neutral","sentiment_score":0.10248731032890432},{"text":"She's a legend.","start":2720.2952,"end":2721.2751,"sentiment":"neutral","sentiment_score":0.2034177084763845},{"text":"I love her.","start":2722.7751,"end":2723.835,"sentiment":"neutral","sentiment_score":-0.13109498719374338}],"sentiment":"neutral","sentiment_score":0.1042761392891407,"num_words":26,"start":2700.64,"end":2723.835},{"sentences":[{"text":"She's my new friend.","start":2726.6902,"end":2728.31,"sentiment":"positive","sentiment_score":0.3458543047308922},{"text":"Yeah.","start":2730.61,"end":2731.11,"sentiment":"neutral","sentiment_score":0.23137542605400083},{"text":"Yes.","start":2732.4502,"end":2732.9502,"sentiment":"neutral","sentiment_score":0.2241603583097458},{"text":"Yep.","start":2751.825,"end":2752.325,"sentiment":"positive","sentiment_score":0.45207616686820984},{"text":"Yes.","start":2752.9448,"end":2753.345,"sentiment":"neutral","sentiment_score":0.3227139413356781}],"sentiment":"neutral","sentiment_score":0.3267178889364004,"num_words":8,"start":2726.6902,"end":2753.345},{"sentences":[{"text":"Definitely.","start":2753.345,"end":2753.845,"sentiment":"positive","sentiment_score":0.4132360219955444},{"text":"Yeah.","start":2756.4,"end":2756.72,"sentiment":"neutral","sentiment_score":0.12524692714214325},{"text":"Yep.","start":2756.72,"end":2757.22,"sentiment":"neutral","sentiment_score":0.070733942091465},{"text":"Oh, I love that.","start":2762.0798,"end":2763.54,"sentiment":"neutral","sentiment_score":0.07963347993791103},{"text":"Okay.","start":2775.425,"end":2775.925,"sentiment":"neutral","sentiment_score":0.0759216845035553}],"sentiment":"neutral","sentiment_score":0.12545906193554401,"num_words":8,"start":2753.345,"end":2775.925},{"sentences":[{"text":"Perfect.","start":2776.2249,"end":2776.7249,"sentiment":"neutral","sentiment_score":0.21489550173282623},{"text":"Excellent.","start":2777.9849,"end":2778.4849,"sentiment":"positive","sentiment_score":0.4265744090080261},{"text":"Wonderful.","start":2779.665,"end":2780.165,"sentiment":"positive","sentiment_score":0.5646849870681763},{"text":"Thank you so much.","start":2780.4648,"end":2781.765,"sentiment":"positive","sentiment_score":0.5448956936597824},{"text":"Yes.","start":2790.61,"end":2791.11,"sentiment":"neutral","sentiment_score":0.03672182187438011}],"sentiment":"positive","sentiment_score":0.4278074367903173,"num_words":8,"start":2776.2249,"end":2791.11},{"sentences":[{"text":"Yeah.","start":2820.17,"end":2820.67,"sentiment":"neutral","sentiment_score":-0.02113640308380127},{"text":"I think so.","start":2820.73,"end":2821.85,"sentiment":"neutral","sentiment_score":-0.06068465610345205},{"text":"I don't I don't know how it's gonna look for getting any pension support for me because I don't understand the whole asset thing.","start":2821.85,"end":2834.925,"sentiment":"neutral","sentiment_score":-0.1495489732672771},{"text":"So, yeah, I would need to look at even if I were getting a pension, I would need extra support, however that works, because the pension's not enough.","start":2837.45,"end":2857.415,"sentiment":"neutral","sentiment_score":-0.11280932942671436},{"text":"I mean, I will there's a lot of things that were in my plan that I will still probably implement because I don't need to be living in a double story townhouse with three bedrooms and three bathrooms by myself.","start":2858.755,"end":2872.3098,"sentiment":"neutral","sentiment_score":0.030834523634985088}],"sentiment":"neutral","sentiment_score":-0.05955881258705631,"num_words":96,"start":2820.17,"end":2872.3098},{"sentences":[{"text":"That's not so downsizing was definitely something I was always going to do, which is why I wasn't worried about having a smaller mortgage because I can just, you know, just get a cheaper house.","start":2872.5298,"end":2888.635,"sentiment":"neutral","sentiment_score":0.08440997903900486},{"text":"And that'll kill the rest of the mortgage, and I'll be fine with that.","start":2889.895,"end":2894.37,"sentiment":"neutral","sentiment_score":0.19381313558135713},{"text":"But, yeah, it's just managing on a pension alone won't be even doable for anybody, I don't believe.","start":2894.37,"end":2908.05,"sentiment":"neutral","sentiment_score":-0.07618622399038738},{"text":"But Try and tell Albanese that.","start":2908.05,"end":2911.7852,"sentiment":"neutral","sentiment_score":-0.09742922708392143},{"text":"Mhmm.","start":2937.555,"end":2938.055,"sentiment":"neutral","sentiment_score":0.08407685905694962}],"sentiment":"neutral","sentiment_score":0.05129571120581917,"num_words":74,"start":2872.5298,"end":2938.055},{"sentences":[{"text":"Yep.","start":2939.315,"end":2939.815,"sentiment":"neutral","sentiment_score":0.2126039117574692},{"text":"Yeah.","start":2948.675,"end":2949.175,"sentiment":"neutral","sentiment_score":0.01766527071595192},{"text":"Probably beforehand.","start":2956.15,"end":2957.29,"sentiment":"neutral","sentiment_score":0.02128111757338047},{"text":"I'm probably looking at maybe the next three or four years, I suppose.","start":2957.91,"end":2963.69,"sentiment":"neutral","sentiment_score":0.047082557128025934},{"text":"I haven't thought that far ahead.","start":2982.74,"end":2984.68,"sentiment":"neutral","sentiment_score":-0.12239931647976239}],"sentiment":"neutral","sentiment_score":0.0065438591915628185,"num_words":23,"start":2939.315,"end":2984.68},{"sentences":[{"text":"I do have a a share portfolio, but I've been I've complicated my life with that.","start":2986.18,"end":2995.585,"sentiment":"neutral","sentiment_score":-0.11163141136057675},{"text":"So I will probably look at restructuring that, and I don't know what I'll do.","start":2995.585,"end":3003.7449,"sentiment":"neutral","sentiment_score":-0.06699542825420697},{"text":"Growing that, I think, over time a little bit more.","start":3003.7449,"end":3007.9248,"sentiment":"neutral","sentiment_score":0.015471593476831913},{"text":"I I'm asking this.","start":3013.66,"end":3020.38,"sentiment":"neutral","sentiment_score":-0.030877574812620878},{"text":"Yeah.","start":3020.38,"end":3020.6199,"sentiment":"neutral","sentiment_score":-0.017574824392795563}],"sentiment":"neutral","sentiment_score":-0.06037833031428897,"num_words":46,"start":2986.18,"end":3020.6199},{"sentences":[{"text":"So I I need to sort that out because it was I changed trustees, and I've gotta do a I can't remember the name of it, but we changed the name on the ownership of the shares without selling them or buying them again.","start":3020.6199,"end":3039.68,"sentiment":"neutral","sentiment_score":-0.028757793299684472},{"text":"So I have to do that for for every individual holding.","start":3040.78,"end":3046.48,"sentiment":"neutral","sentiment_score":0.03197376751764254},{"text":"And I can't I can't I have no relationship with my broker that collapsed number of years ago.","start":3048.1401,"end":3055.775,"sentiment":"neutral","sentiment_score":-0.28377970173541045},{"text":"So just even getting away from her has been the biggest headache in the world.","start":3057.035,"end":3063.4348,"sentiment":"negative","sentiment_score":-0.43862808545430504},{"text":"So I've gotta do that.","start":3063.4348,"end":3069.11,"sentiment":"neutral","sentiment_score":-0.010878585278987885}],"sentiment":"neutral","sentiment_score":-0.13608043335418227,"num_words":93,"start":3020.6199,"end":3069.11},{"sentences":[{"text":"I've gotta take take that leap of faith.","start":3069.1702,"end":3071.9102,"sentiment":"neutral","sentiment_score":0.10520002851262689},{"text":"I'm fine.","start":3073.4102,"end":3074.07,"sentiment":"neutral","sentiment_score":0.15860918909311295},{"text":"They're in a trust.","start":3079.225,"end":3080.445,"sentiment":"neutral","sentiment_score":-0.012572383508086205},{"text":"So what I yeah.","start":3082.185,"end":3083.725,"sentiment":"neutral","sentiment_score":0.00765382288955152},{"text":"So I I changed trustees.","start":3083.7852,"end":3085.645,"sentiment":"neutral","sentiment_score":0.011088992934674025}],"sentiment":"neutral","sentiment_score":0.051938666455933584,"num_words":23,"start":3069.1702,"end":3085.645},{"sentences":[{"text":"My dad was dying, and I swapped the kids as minor trustees.","start":3085.7852,"end":3091.03,"sentiment":"neutral","sentiment_score":-0.00605362836116304},{"text":"I'm the major trustee and put the kids in, but the shares were all held because it's in the trust.","start":3091.25,"end":3098.21,"sentiment":"neutral","sentiment_score":0.006500656576827168},{"text":"It states the person's name as well as the name of the trust.","start":3098.21,"end":3102.855,"sentiment":"neutral","sentiment_score":0.004459041027495494},{"text":"And and I have to swap that over so the kids' names are there on the stairs.","start":3103.815,"end":3110.955,"sentiment":"neutral","sentiment_score":-0.03249357295606066},{"text":"So there is a name for it that's like a I don't know, nontransactional transfer or some something.","start":3111.095,"end":3120.97,"sentiment":"neutral","sentiment_score":-0.0673805092357927}],"sentiment":"neutral","sentiment_score":-0.020623784774215892,"num_words":80,"start":3085.7852,"end":3120.97},{"sentences":[{"text":"So I made it.","start":3123.99,"end":3125.27,"sentiment":"neutral","sentiment_score":-0.03140125935897231},{"text":"But I I just panicked, and I was trying to swap it over before I had to try and get death certificates and stuff.","start":3125.27,"end":3132.495,"sentiment":"neutral","sentiment_score":-0.1968681343520681},{"text":"So I do a panic and probably made a mistake, but whatever.","start":3132.495,"end":3138.995,"sentiment":"neutral","sentiment_score":-0.221023245404164},{"text":"That's not that I don't know.","start":3141.5352,"end":3181.63,"sentiment":"neutral","sentiment_score":-0.01175709740103533},{"text":"I'm just, you know, treading water treading water's worked for me the last few years.","start":3181.63,"end":3186.405,"sentiment":"neutral","sentiment_score":0.015366299729794263}],"sentiment":"neutral","sentiment_score":-0.12037323434745557,"num_words":61,"start":3123.99,"end":3186.405},{"sentences":[{"text":"So so if I can keep treading water, I'll be okay.","start":3186.405,"end":3190.9849,"sentiment":"neutral","sentiment_score":-0.010660667988387022},{"text":"I do.","start":3201.52,"end":3202.26,"sentiment":"neutral","sentiment_score":0.03793835639953613},{"text":"Yeah.","start":3202.9602,"end":3203.4602,"sentiment":"neutral","sentiment_score":0.030566561967134476},{"text":"I think it's about 12,000.","start":3208.815,"end":3211.315,"sentiment":"neutral","sentiment_score":0.026942478120326997},{"text":"I haven't had it valued since I refinanced in 2018 or something like that.","start":3245.135,"end":3257.16,"sentiment":"neutral","sentiment_score":-0.13574593194893428}],"sentiment":"neutral","sentiment_score":-0.053834991811802894,"num_words":33,"start":3186.405,"end":3257.16},{"sentences":[{"text":"But in COVID, my neighbor's property sold, which is, like, identical to this one.","start":3259.78,"end":3266.995,"sentiment":"neutral","sentiment_score":-0.037565259129873345},{"text":"It's the front street.","start":3266.995,"end":3268.5352,"sentiment":"neutral","sentiment_score":-0.009369800332933664},{"text":"And they got a million and 50.","start":3270.355,"end":3272.2952,"sentiment":"neutral","sentiment_score":-0.008974643291107245},{"text":"So I just say it's worth about a million, but I can't you know, it's only worth what someone's prepared to pay for it.","start":3273.475,"end":3283.45,"sentiment":"neutral","sentiment_score":-0.20705852833149643},{"text":"Isn't that the isn't that what you're saying?","start":3283.45,"end":3286.5898,"sentiment":"neutral","sentiment_score":-0.10425992496311665}],"sentiment":"neutral","sentiment_score":-0.1128017440675186,"num_words":57,"start":3259.78,"end":3286.5898},{"sentences":[{"text":"Mhmm.","start":3293.595,"end":3294.095,"sentiment":"neutral","sentiment_score":0.009042371064424517},{"text":"I do.","start":3300.075,"end":3300.815,"sentiment":"neutral","sentiment_score":-0.0038649961352348336},{"text":"And I think I'm insured for about 135, which might sound underinsured, but, seriously, everything worth anything was stolen a few years ago.","start":3304.715,"end":3319.45,"sentiment":"neutral","sentiment_score":-0.16590624302625656},{"text":"So I didn't bother to review that after that because all my good jewelry and everything went.","start":3319.45,"end":3331.5852,"sentiment":"neutral","sentiment_score":-0.16452447850914562},{"text":"So, you know, I'm not like that.","start":3331.5852,"end":3335.425,"sentiment":"neutral","sentiment_score":-0.21682049121175492}],"sentiment":"neutral","sentiment_score":-0.16258381567895414,"num_words":50,"start":3293.595,"end":3335.425},{"sentences":[{"text":"I've got computer and a shitty old television and that sort of thing, but nothing nothing of any major value anymore.","start":3335.425,"end":3347.09,"sentiment":"neutral","sentiment_score":-0.13830567399660745},{"text":"Well, one one ring that I wear all the time, so that's it.","start":3347.09,"end":3351.8901,"sentiment":"neutral","sentiment_score":-0.02635838707479147},{"text":"Everything else is gone.","start":3351.8901,"end":3353.4302,"sentiment":"neutral","sentiment_score":-0.17674465291202068},{"text":"2020 RAV four Toyota.","start":3363.2449,"end":3366.305,"sentiment":"neutral","sentiment_score":0.06403282284736633},{"text":"I don't know enough about cars to really I don't know.","start":3380.695,"end":3386.315,"sentiment":"neutral","sentiment_score":-0.07358110086484389}],"sentiment":"neutral","sentiment_score":-0.08504372859760276,"num_words":53,"start":3335.425,"end":3386.315},{"sentences":[{"text":"Well, I I bought it in 20 24 for 40,000.","start":3386.375,"end":3393.7202,"sentiment":"neutral","sentiment_score":-0.023190315160900355},{"text":"So I don't know what the depreciation is on that, but Sure.","start":3393.9402,"end":3410.1948,"sentiment":"neutral","sentiment_score":-0.04623236460611224},{"text":"Mhmm.","start":3435.48,"end":3435.98,"sentiment":"neutral","sentiment_score":0.009493661113083364},{"text":"Well, where the fuck does that all go?","start":3440.825,"end":3442.7651,"sentiment":"neutral","sentiment_score":-0.2735682222992182},{"text":"Sorry.","start":3444.985,"end":3445.485,"sentiment":"neutral","sentiment_score":-0.22274485230445865}],"sentiment":"neutral","sentiment_score":-0.09964026551460847,"num_words":32,"start":3386.375,"end":3445.485},{"sentences":[{"text":"I'm not.","start":3452.1602,"end":3453.06,"sentiment":"neutral","sentiment_score":-0.10272020846605301},{"text":"Yeah.","start":3455.52,"end":3456.02,"sentiment":"neutral","sentiment_score":-0.06526350975036621},{"text":"Yeah.","start":3465.995,"end":3466.495,"sentiment":"neutral","sentiment_score":-0.04112033173441887},{"text":"Yeah.","start":3467.1152,"end":3467.6152,"sentiment":"neutral","sentiment_score":-0.00006397627294063568},{"text":"I am about to do that because my will is so old.","start":3494.935,"end":3501.675,"sentiment":"neutral","sentiment_score":-0.15896249997119108}],"sentiment":"neutral","sentiment_score":-0.13055519025553675,"num_words":17,"start":3452.1602,"end":3501.675},{"sentences":[{"text":"And, like, I I drew that up when my husband died, so that and the kids were baby you know, five and three.","start":3502.695,"end":3513.79,"sentiment":"neutral","sentiment_score":-0.02873760988206967},{"text":"So it's like pages and pages of complicated crap, and that's not necessary anymore because they're both in their thirties.","start":3513.79,"end":3522.815,"sentiment":"neutral","sentiment_score":-0.2998101759701967},{"text":"So so I definitely need to do a new will.","start":3522.815,"end":3528.995,"sentiment":"neutral","sentiment_score":-0.12968214303255082},{"text":"And I think in the super, I've just got $50.50 for the kids.","start":3531.4402,"end":3537.4602,"sentiment":"neutral","sentiment_score":0.2036232168857868},{"text":"There's yeah.","start":3539.9202,"end":3541.3801,"sentiment":"neutral","sentiment_score":0.187969408929348}],"sentiment":"neutral","sentiment_score":-0.07251396087710471,"num_words":68,"start":3502.695,"end":3541.3801},{"sentences":[{"text":"Yeah.","start":3558.1199,"end":3558.3599,"sentiment":"neutral","sentiment_score":0.16016888618469238},{"text":"I think so.","start":3558.3599,"end":3559.0798,"sentiment":"neutral","sentiment_score":0.16151591638724008},{"text":"I'm I'm gonna do some I think I'll put it my son owes me a shit ton of money now after I've got nothing left.","start":3559.0798,"end":3567.5798,"sentiment":"neutral","sentiment_score":-0.1472785853780806},{"text":"And I don't think she plans on paying that back.","start":3568.68,"end":3571.335,"sentiment":"neutral","sentiment_score":-0.2789848059415817},{"text":"So I need to somehow make sure my daughter is compensated for that.","start":3571.335,"end":3576.875,"sentiment":"neutral","sentiment_score":-0.038507078702633195}],"sentiment":"neutral","sentiment_score":-0.12168630926260868,"num_words":52,"start":3558.1199,"end":3576.875},{"sentences":[{"text":"But I feel like the will's probably the easiest way rather than I mean, doing it in the hub super will ensure that if anything happens to me today or in the next week before I do anything about it, you won't walk away with extra.","start":3579.095,"end":3595.18,"sentiment":"neutral","sentiment_score":0.16054347756764162},{"text":"What did you call that?","start":3623.58,"end":3624.7,"sentiment":"neutral","sentiment_score":-0.0018080364912748336},{"text":"Because when I talked to the oh, I oh, I have to sorry.","start":3624.7,"end":3629.975,"sentiment":"neutral","sentiment_score":-0.0655546270024318},{"text":"Sorry.","start":3629.975,"end":3630.2952,"sentiment":"neutral","sentiment_score":-0.1053030639886856},{"text":"That was the the super Okay.","start":3630.2952,"end":3699.245,"sentiment":"neutral","sentiment_score":-0.027459648127357166}],"sentiment":"neutral","sentiment_score":0.088080122279869,"num_words":71,"start":3579.095,"end":3699.245},{"sentences":[{"text":"Yeah.","start":3708.48,"end":3708.98,"sentiment":"neutral","sentiment_score":-0.04122176766395569},{"text":"Put that on my list.","start":3709.04,"end":3710.34,"sentiment":"neutral","sentiment_score":-0.09826917499303818},{"text":"No wonder I'm overwhelmed.","start":3712.9648,"end":3714.2449,"sentiment":"neutral","sentiment_score":-0.22651711478829384},{"text":"I'm putting everything off and not dealing with anything.","start":3714.2449,"end":3717.365,"sentiment":"neutral","sentiment_score":-0.3011184417539173},{"text":"That's no good.","start":3717.365,"end":3718.4248,"sentiment":"negative","sentiment_score":-0.5056859254837036}],"sentiment":"neutral","sentiment_score":-0.25753453881903127,"num_words":22,"start":3708.48,"end":3718.4248},{"sentences":[{"text":"Alright.","start":3720.325,"end":3720.825,"sentiment":"neutral","sentiment_score":-0.0020701526664197445},{"text":"Okay.","start":3737.35,"end":3737.85,"sentiment":"neutral","sentiment_score":0.07940846681594849},{"text":"Alright.","start":3738.9502,"end":3739.4502,"sentiment":"neutral","sentiment_score":0.12442199885845184},{"text":"Perfect.","start":3740.4702,"end":3740.9702,"sentiment":"positive","sentiment_score":0.34728360176086426},{"text":"Okeydokey.","start":3742.705,"end":3743.205,"sentiment":"neutral","sentiment_score":0.18319284915924072}],"sentiment":"neutral","sentiment_score":0.1464473527856171,"num_words":5,"start":3720.325,"end":3743.205},{"sentences":[{"text":"I know.","start":3747.185,"end":3747.765,"sentiment":"neutral","sentiment_score":0.052497124299407005},{"text":"I will.","start":3748.385,"end":3749.045,"sentiment":"neutral","sentiment_score":0.08886505290865898},{"text":"I'll ring this list, though, as soon as I hang up and get that one ticked off my list.","start":3750.065,"end":3756.61,"sentiment":"neutral","sentiment_score":0.03542397386933628},{"text":"Yeah.","start":3761.2302,"end":3761.7302,"sentiment":"neutral","sentiment_score":0.03314068913459778},{"text":"Mhmm.","start":3767.6301,"end":3768.1301,"sentiment":"neutral","sentiment_score":0.04081030935049057}],"sentiment":"neutral","sentiment_score":0.04118923425674439,"num_words":25,"start":3747.185,"end":3768.1301},{"sentences":[{"text":"Thank you so much.","start":3772.435,"end":3773.735,"sentiment":"positive","sentiment_score":0.5293294712901115},{"text":"Beautiful.","start":3774.835,"end":3775.335,"sentiment":"positive","sentiment_score":0.5968562364578247},{"text":"Alright.","start":3775.875,"end":3776.375,"sentiment":"neutral","sentiment_score":0.21881872415542605},{"text":"Yes.","start":3784.67,"end":3785.17,"sentiment":"neutral","sentiment_score":0.16327416896820068},{"text":"Okay.","start":3790.8298,"end":3791.3298,"sentiment":"neutral","sentiment_score":0.07800163328647614}],"sentiment":"positive","sentiment_score":0.3967835810035467,"num_words":8,"start":3772.435,"end":3791.3298},{"sentences":[{"text":"They would have told me when I changed over to you, I'm sure.","start":3806.985,"end":3810.185,"sentiment":"neutral","sentiment_score":-0.06696847940866764},{"text":"But Yep.","start":3810.185,"end":3827.665,"sentiment":"neutral","sentiment_score":0.08558929339051247},{"text":"Sure.","start":3861.945,"end":3862.445,"sentiment":"neutral","sentiment_score":0.2513555884361267},{"text":"Yeah.","start":3869.72,"end":3870.22,"sentiment":"neutral","sentiment_score":-0.07876481115818024},{"text":"Mhmm.","start":3887.2449,"end":3887.7449,"sentiment":"neutral","sentiment_score":0.026348210871219635}],"sentiment":"neutral","sentiment_score":-0.027804036521249346,"num_words":18,"start":3806.985,"end":3887.7449},{"sentences":[{"text":"Okay.","start":3896.285,"end":3896.785,"sentiment":"neutral","sentiment_score":0.13162869215011597},{"text":"Mhmm.","start":3901.3098,"end":3901.8098,"sentiment":"neutral","sentiment_score":0.2037433683872223},{"text":"Oh, I like that.","start":3923.585,"end":3925.49,"sentiment":"positive","sentiment_score":0.4414612725377083},{"text":"I like I've you know, I'm I'm okay with that 9.8 because I know what what my shares have been making and stuff.","start":3927.39,"end":3934.59,"sentiment":"neutral","sentiment_score":0.19271729724562686},{"text":"So I sort of have my head around that.","start":3934.59,"end":3936.43,"sentiment":"neutral","sentiment_score":0.12605762647257912}],"sentiment":"neutral","sentiment_score":0.2017956217260737,"num_words":38,"start":3896.285,"end":3936.43},{"sentences":[{"text":"So I'm happy with the 981, but I do like that number.","start":3936.43,"end":3940.795,"sentiment":"neutral","sentiment_score":0.3325384023288886},{"text":"That's good.","start":3942.615,"end":3943.435,"sentiment":"positive","sentiment_score":0.5941876769065857},{"text":"Alright.","start":3945.895,"end":3946.395,"sentiment":"neutral","sentiment_score":0.18599103391170504},{"text":"Good.","start":3946.455,"end":3946.955,"sentiment":"neutral","sentiment_score":0.11260811984539032},{"text":"Okay.","start":3956.54,"end":3957.04,"sentiment":"neutral","sentiment_score":-0.05792253836989403}],"sentiment":"neutral","sentiment_score":0.3187948704204139,"num_words":17,"start":3936.43,"end":3957.04},{"sentences":[{"text":"Okay.","start":3962.06,"end":3962.56,"sentiment":"neutral","sentiment_score":-0.004696894437074661},{"text":"Perfect.","start":3982.1702,"end":3982.6702,"sentiment":"positive","sentiment_score":0.38232555985450745},{"text":"Thank you so much.","start":3982.81,"end":3984.03,"sentiment":"positive","sentiment_score":0.44666536897420883},{"text":"Mhmm.","start":4006.615,"end":4007.115,"sentiment":"neutral","sentiment_score":-0.02941034734249115},{"text":"Yeah.","start":4042.5798,"end":4042.8198,"sentiment":"neutral","sentiment_score":-0.016836078837513924}],"sentiment":"neutral","sentiment_score":0.2647554643917829,"num_words":8,"start":3962.06,"end":4042.8198},{"sentences":[{"text":"Maybe let's reduce some of the risk.","start":4042.8198,"end":4045.0,"sentiment":"neutral","sentiment_score":-0.03488529846072197},{"text":"Mhmm.","start":4054.9949,"end":4055.4949,"sentiment":"neutral","sentiment_score":0.01151553075760603},{"text":"Mhmm.","start":4078.23,"end":4078.73,"sentiment":"neutral","sentiment_score":0.097185418009758},{"text":"Probably a three.","start":4104.41,"end":4106.2803,"sentiment":"neutral","sentiment_score":0.003127286365876595},{"text":"Probably Colgate.","start":4129.5103,"end":4130.5703,"sentiment":"neutral","sentiment_score":0.00035716500133275986}],"sentiment":"neutral","sentiment_score":-0.008957139382671033,"num_words":14,"start":4042.8198,"end":4130.5703},{"sentences":[{"text":"No.","start":4160.4297,"end":4160.59,"sentiment":"neutral","sentiment_score":-0.10608628392219543},{"text":"I'm gonna say the higher one.","start":4160.59,"end":4162.37,"sentiment":"neutral","sentiment_score":-0.09825445587436359},{"text":"I want the 8% or whatever reason.","start":4163.31,"end":4165.57,"sentiment":"neutral","sentiment_score":-0.005677864753774234},{"text":"At one stage, I did borrow for shares, but it wasn't something I was very comfortable with.","start":4182.92,"end":4189.6396,"sentiment":"neutral","sentiment_score":-0.14453047426307902},{"text":"I probably wouldn't go back down that path.","start":4189.6396,"end":4192.06,"sentiment":"neutral","sentiment_score":-0.19052948523312807}],"sentiment":"neutral","sentiment_score":-0.12093876966108115,"num_words":39,"start":4160.4297,"end":4192.06},{"sentences":[{"text":"Mhmm.","start":4210.315,"end":4210.77,"sentiment":"neutral","sentiment_score":-0.02186058834195137},{"text":"Mhmm.","start":4244.48,"end":4244.56,"sentiment":"neutral","sentiment_score":0.0753612220287323},{"text":"Yeah.","start":4244.56,"end":4245.06,"sentiment":"neutral","sentiment_score":0.038289476186037064},{"text":"Yeah.","start":4246.4,"end":4246.7197,"sentiment":"neutral","sentiment_score":0.012344839051365852},{"text":"No.","start":4246.7197,"end":4247.04,"sentiment":"neutral","sentiment_score":-0.07404985278844833}],"sentiment":"neutral","sentiment_score":0.0060170192271471025,"num_words":5,"start":4210.315,"end":4247.04},{"sentences":[{"text":"I think that that's gonna stick stick well with me.","start":4247.04,"end":4251.12,"sentiment":"neutral","sentiment_score":-0.013671645522117614},{"text":"Yep.","start":4251.12,"end":4251.585,"sentiment":"neutral","sentiment_score":0.1530880630016327},{"text":"Mhmm.","start":4285.695,"end":4286.195,"sentiment":"neutral","sentiment_score":0.14545594155788422},{"text":"Beautiful.","start":4289.295,"end":4289.795,"sentiment":"positive","sentiment_score":0.5374746918678284},{"text":"Excellent.","start":4290.095,"end":4290.595,"sentiment":"positive","sentiment_score":0.6161884069442749}],"sentiment":"neutral","sentiment_score":0.09396361772503171,"num_words":14,"start":4247.04,"end":4290.595},{"sentences":[{"text":"No.","start":4301.34,"end":4301.66,"sentiment":"neutral","sentiment_score":-0.12015713006258012},{"text":"I think I think we've covered everything I was looking for at the moment.","start":4301.66,"end":4308.0,"sentiment":"neutral","sentiment_score":-0.0860351865578975},{"text":"So mhmm.","start":4308.06,"end":4317.0576,"sentiment":"neutral","sentiment_score":0.14317816123366356},{"text":"Beautiful.","start":4332.85,"end":4333.35,"sentiment":"positive","sentiment_score":0.715788722038269},{"text":"Alright.","start":4333.49,"end":4333.97,"sentiment":"positive","sentiment_score":0.6220722198486328}],"sentiment":"neutral","sentiment_score":0.01576671170953073,"num_words":19,"start":4301.34,"end":4333.97},{"sentences":[{"text":"Wonderful.","start":4333.97,"end":4334.47,"sentiment":"positive","sentiment_score":0.8182976245880127},{"text":"Thank you so much.","start":4334.85,"end":4336.035,"sentiment":"positive","sentiment_score":0.8082810044288635},{"text":"No.","start":4342.515,"end":4343.015,"sentiment":"neutral","sentiment_score":-0.14535419642925262},{"text":"Nothing.","start":4343.475,"end":4343.975,"sentiment":"neutral","sentiment_score":-0.1170189529657364},{"text":"No.","start":4344.595,"end":4344.995,"sentiment":"neutral","sentiment_score":-0.11554519832134248}],"sentiment":"positive","sentiment_score":0.4591879118233919,"num_words":8,"start":4333.97,"end":4344.995},{"sentences":[{"text":"But I've missed a few phone calls from mom who's probably sitting there anxiously waiting too.","start":4344.995,"end":4350.7554,"sentiment":"neutral","sentiment_score":-0.09542015846818686},{"text":"So I'll ring her and say, I have no news.","start":4350.7554,"end":4354.19,"sentiment":"neutral","sentiment_score":-0.09129478875547647},{"text":"Yeah.","start":4356.01,"end":4356.51,"sentiment":"neutral","sentiment_score":0.1770261824131012},{"text":"Okay.","start":4359.8496,"end":4360.3496,"sentiment":"neutral","sentiment_score":0.09137047827243804},{"text":"No worries.","start":4361.3696,"end":4362.11,"sentiment":"neutral","sentiment_score":0.25594837218523026}],"sentiment":"neutral","sentiment_score":-0.055312567266325156,"num_words":30,"start":4344.995,"end":4362.11},{"sentences":[{"text":"Thank you.","start":4362.17,"end":4362.9897,"sentiment":"positive","sentiment_score":0.6022045314311981},{"text":"Thanks.","start":4363.8496,"end":4364.3496,"sentiment":"positive","sentiment_score":0.6639915704727173},{"text":"Perfect.","start":4366.855,"end":4367.355,"sentiment":"positive","sentiment_score":0.7447555065155029},{"text":"Thank you.","start":4367.575,"end":4368.315,"sentiment":"positive","sentiment_score":0.7445603013038635},{"text":"Okay.","start":4373.015,"end":4373.415,"sentiment":"positive","sentiment_score":0.3575291633605957}],"sentiment":"positive","sentiment_score":0.6371151294027056,"num_words":7,"start":4362.17,"end":4373.415},{"sentences":[{"text":"You too.","start":4373.415,"end":4373.975,"sentiment":"positive","sentiment_score":0.37994644045829773},{"text":"Bye.","start":4373.975,"end":4374.475,"sentiment":"neutral","sentiment_score":0.31777223944664}],"sentiment":"positive","sentiment_score":0.3592217067877452,"num_words":3,"start":4373.415,"end":4374.475}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Kate. It's Zaina from OQ Financial. How are you today?\n\nChannel 1: I'm good. Thank you. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in for a bit of a a quick catch up today in relation to your TBD claim and helping you out with that at the moment. Is now still a good\n\nChannel 1: Yes.\n\nChannel 0: time?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Fantastic. How's your morning been so far?\n\nChannel 1: Oh, been very busy. Oh, I've been trying to\n\nChannel 0: Yes.\n\nChannel 1: be busy. My daughter's in labor. So I'm\n\nChannel 0: Wow.\n\nChannel 1: I'm trying to just speak for herself.\n\nChannel 0: Wow. Is she in labor now?\n\nChannel 1: Yes. She is.\n\nChannel 0: Wow. Is now still okay for a conversation? Because if you need to focus on other things, that's\n\nChannel 1: No.\n\nChannel 0: understandable.\n\nChannel 1: No. No. That's okay\n\nChannel 0: It's\n\nChannel 1: because\n\nChannel 0: okay.\n\nChannel 1: I need to distract myself because there's not\n\nChannel 0: Okay.\n\nChannel 1: much I can do from this this\n\nChannel 0: Yep.\n\nChannel 1: end. So\n\nChannel 0: Absolutely. Well, look, if this a call comes in and something, you know, comes through and you need me to stop, please let me know because that\n\nChannel 1: I\n\nChannel 0: is\n\nChannel 1: will.\n\nChannel 0: absolutely so important.\n\nChannel 1: So\n\nChannel 0: Oh,\n\nChannel 1: thank\n\nChannel 0: good.\n\nChannel 1: you.\n\nChannel 0: Do you know do you know what she's having?\n\nChannel 1: Yeah. She's having a girl. So\n\nChannel 0: Oh, that's\n\nChannel 1: yeah.\n\nChannel 0: beautiful. Well,\n\nChannel 1: My\n\nChannel 0: congratulations once that's\n\nChannel 1: thing.\n\nChannel 0: all done. Oh my gosh. Is this your\n\nChannel 1: My first\n\nChannel 0: first grandchild?\n\nChannel 1: no. First granddaughter, though.\n\nChannel 0: Oh,\n\nChannel 1: I've\n\nChannel 0: this\n\nChannel 1: got\n\nChannel 0: is special.\n\nChannel 1: two grandsons, so\n\nChannel 0: Yeah.\n\nChannel 1: it's very\n\nChannel 0: Yeah.\n\nChannel 1: and very exciting.\n\nChannel 0: Oh, absolutely. All good. Well, I was trying not to take up too much of your time, but I just wanted to sort of go through and do a bit of a review of things with you, look at what we can definitely do to help.\n\nChannel 1: Yes.\n\nChannel 0: I have done some really in-depth research with Aware, so I understand what's happening on that side of things for\n\nChannel 1: Yes.\n\nChannel 0: you.\n\nChannel 1: Okay.\n\nChannel 0: And we just need to work out whether, you know, how we get some funds out for you and, obviously, what what sort of advice we need to help you with moving forward now. Okay?\n\nChannel 1: Yeah. Okay. Sure.\n\nChannel 0: All good. Now before I jump into the call completely, I do have to let you know we do record our calls moving forward. Are you comfortable with me doing that?\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: Beautiful. And now just for security, I'm about to discuss your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Catherine Luella Branchley, Unit 2\n\nChannel 0: Yeah.\n\nChannel 1: 24 Carousel Street, Boling, 20th Of January 65.\n\nChannel 0: Beautiful. Thank you so much for that. Now I can see so I did actually get through to Aware. Thank you for doing the TCA for us and having all that on file. I spoke to them last night.\n\nWas able to get some full research completed there. I can see your current balance there. I can also see with your workers' compensation claim, you are also receiving contributions if you're aware, which is fantastic.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: It's really good to see that that's still going in. Not not all states do contributions for workers' compensation claims. So the fact that you're getting contributions is a really good thing. Do you know with the workers' compensation, now that you have been able to claim on TBD, have\n\nChannel 1: Yeah.\n\nChannel 0: you had any kind of update with the compensation lawyers and where this might be going? Will you be staying on this, or have they sort of mentioned anything about a payout? Or\n\nChannel 1: Well, so at this stage, I am they've just sit on on it till sixty seven, But\n\nChannel 0: Okay.\n\nChannel 1: I am in the process of doing a you know, you've gotta you've gotta get this passivity certificate and all sorts of stuff. They work they don't just give you your lump sum. You've gotta actually\n\nChannel 0: No.\n\nChannel 1: sue them\n\nChannel 0: Correct.\n\nChannel 1: for\n\nChannel 0: Yeah.\n\nChannel 1: so I'm in that limbo thing.\n\nChannel 0: Okay. That's that's okay. Do you have any do do you have your solicitor to sort of try to help you with that at the moment, or is that something that's just on hold? You're just gonna keep receiving those regular payments until '67 at this point? Or\n\nChannel 1: No. So I've I mean, it it will continue according to work\n\nChannel 0: Mhmm.\n\nChannel 1: cover. They're\n\nChannel 0: Mhmm.\n\nChannel 1: not there'll be no return to work for me. But with the solicitor,\n\nChannel 0: Okay.\n\nChannel 1: I'm in the process of getting a affidavit completed to submit with our application. So I've got a second appointment because that's\n\nChannel 0: Yep.\n\nChannel 1: pretty\n\nChannel 0: Okay.\n\nChannel 1: full on.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah. So I'm\n\nChannel 0: Yep.\n\nChannel 1: not sure when the next appointment's gonna be that just\n\nChannel 0: Yes.\n\nChannel 1: they'll contact me and go from\n\nChannel 0: Yep.\n\nChannel 1: there. But\n\nChannel 0: Yep.\n\nChannel 1: alright. I'm just\n\nChannel 0: That's\n\nChannel 1: having my\n\nChannel 0: okay.\n\nChannel 1: breakfast.\n\nChannel 0: No. No. That's okay. You're not a problem at all. If you need me to stop, just let me know.\n\nYour breakfast is important, and you got a lot happening today, which is also very exciting. Beautiful. So I've just done a lot of research around your circumstances, having a bit of a look, but can't see anywhere where it's kind of noted what the injury was that stopped you from working. Can I just get you to give me just a little bit of detail on what happened? I understand that might be very sensitive.\n\nI'm very sorry about that. But just wanted to find out a bit more around the injury that sort of stopped you from working originally.\n\nChannel 1: Right. So it was a mental health thing.\n\nChannel 0: Okay.\n\nChannel 1: I I refer\n\nChannel 0: Yeah.\n\nChannel 1: to it as a physical and mental breakdown, but\n\nChannel 0: I'm so sorry.\n\nChannel 1: I don't think they use those terms these days.\n\nChannel 0: No.\n\nChannel 1: And, you know, now now that\n\nChannel 0: Yeah.\n\nChannel 1: Aftermath is have a lot of\n\nChannel 0: Yep.\n\nChannel 1: unmanaged anxiety and have a few social\n\nChannel 0: Yes.\n\nChannel 1: issues and things around that. The physical side of things now has improved, but it's still a bit of a thing hanging over my head with food and stuff like that. So\n\nChannel 0: Yes.\n\nChannel 1: I have to monitor my diet and how I manage that because I lost\n\nChannel 0: Yeah.\n\nChannel 1: 10, and, yeah, it was\n\nChannel 0: Wow. Yeah. I'm so sorry you went through that. That sounds awfully\n\nChannel 1: bad.\n\nChannel 0: traumatic. Well, hopefully, you know, things do get a little bit better. And with with your, you know, granddaughter coming, hopefully, that sort of makes a little bit of a difference and brightens things up a little bit for you.\n\nChannel 1: Yeah. I'd say\n\nChannel 0: Yeah. Something to look forward to. No.\n\nChannel 1: Yeah.\n\nChannel 0: Well, thank you very much for opening up. I really do appreciate you giving that information. It can be very difficult to sort of relive some of those things. I really appreciate it. I never want you to feel like you get you have to give me more than you're comfortable doing, but just to make sure that I'm working harder for you and make sure that I have as much information as possible.\n\nI do sometimes have to ask some very difficult questions, but thank you so much for answering that one for\n\nChannel 1: Mhmm.\n\nChannel 0: me.\n\nChannel 1: No worries.\n\nChannel 0: Now the good thing is with the workers' compensation claim continuing to the age of 67, that does take you up until age pension eligibility. So when we get to 67, we can always look at, you know, age pension eligibility. I can help you with that along those lines, looking at what you're able to get, how you're able to get it, and how that works for you.\n\nChannel 1: Mhmm.\n\nChannel 0: With your contribution still going into I'm not a 100% sure whether they will continue. Do you have they mentioned or are you aware if the employer's contributions will continue through to eight sixty seven into your Aware Super, or is that supposed to stop?\n\nChannel 1: No. That's supposed to continue while I'm\n\nChannel 0: Continue.\n\nChannel 1: still getting payments.\n\nChannel 0: Yep.\n\nChannel 1: They will\n\nChannel 0: Continue that.\n\nChannel 1: process. So\n\nChannel 0: Yep. Yep. No. That's fantastic. That's really good because that will definitely make a bit of a difference there.\n\nChannel 1: yeah.\n\nChannel 0: The\n\nChannel 1: Mhmm.\n\nChannel 0: other thing I was able to have a look at is with your insurances. So you've had your TPD paid out to your super, which is fantastic. When I spoke to Aware, because you did originally have an income protection policy in there, they've noted that there's a current open claim. Are you aware that there's a an income protection claim in progress, or is that something that you've been looking into?\n\nChannel 1: Oh, no. I don't think I don't think we were going ahead with that because anything that they pay me just comes\n\nChannel 0: Yep.\n\nChannel 1: off the workers' compensation payment.\n\nChannel 0: Yes. Yep.\n\nChannel 1: So it\n\nChannel 0: Because\n\nChannel 1: would just neutralize any,\n\nChannel 0: yeah.\n\nChannel 1: you know, any income that I was getting from workers' comp.\n\nChannel 0: Right.\n\nChannel 1: So I don't know. I I might have to call the solicitor and ask them about that.\n\nChannel 0: Yeah. Because when I spoke to Aware, I spoke to the insurance team and they had a look and they had noted that on the March 30, they had received the information, and the claim had been sent to TAO. So TAO is the underwriter for the Aware insurances,\n\nChannel 1: Right.\n\nChannel 0: and TAO they said they'd sent everything to TAO, and it was in progress with TAO. I would like to if you're comfortable with us, so we can certainly help you with all this. You're we're your financial advisers, and we can organize an authority to speak to TAL and to liaise with them on your behalf with regards to claim. We just need to get an authority completed to do that. Are you\n\nChannel 1: Yeah.\n\nChannel 0: comfortable with us having an authority signed, having that applied to the tower claim so we can kinda help you with that?\n\nChannel 1: Sure.\n\nChannel 0: Yeah. Yeah. You may as well use us while you can. We can do a lot of the hard questions and liaising with the insurer around the claim and helping you out with that. And\n\nChannel 1: Yeah.\n\nChannel 0: unlike the lawyers, you don't pay us an additional fee for doing that. Essentially, you're an ongoing client. So, you know, the advice we do provide in relation to all of this and they're helping you with the claims process, all of that is still all part of the fee that you're paying us currently. So there's no additional cost to you for us helping you out this way. Okay?\n\nChannel 1: Okay. I wish I'd known that before I went.\n\nChannel 0: It's okay. It's honestly okay. We're here to help now. We'll make sure we are. The other thing I wanted to sort of find out now, you do owe about 10,000 to the solicitors for the claims process they went through.\n\nChannel 1: Yeah.\n\nChannel 0: You need to take that out of super. Is that right?\n\nChannel 1: Well yeah. What I'm trying to\n\nChannel 0: Mhmm.\n\nChannel 1: do is I've still got a mortgage on my house,\n\nChannel 0: Yep.\n\nChannel 1: and I'm thinking if I can use some of that money for that as well to just\n\nChannel 0: Mhmm.\n\nChannel 1: reduce the mortgage and make, you know, make my life a bit easier.\n\nChannel 0: Yeah. Absolutely. Can\n\nChannel 1: I'm\n\nChannel 0: I ask\n\nChannel 1: trying\n\nChannel 0: how much is the mortgage that you have left on the property?\n\nChannel 1: it's 132,\n\nChannel 0: Okay.\n\nChannel 1: which I need to refinance because I'm paying too much interest. But\n\nChannel 0: Yeah. So 100\n\nChannel 1: but I'm\n\nChannel 0: and\n\nChannel 1: thinking\n\nChannel 0: 32,000.\n\nChannel 1: if I refinance, I'll pay down some of that loan, I think, if\n\nChannel 0: Mhmm.\n\nChannel 1: I can.\n\nChannel 0: Yep. How much are you sort of wanting to reduce the loan by? Okay.\n\nChannel 1: Well, if I could get it under 100, that would be encouraging.\n\nChannel 0: Yeah. Yeah. Absolutely. Yeah. Yeah.\n\nAbsolutely. Well, what we can look at doing to help you out is I can update your advice document. We can look at we'll probably have to retain the the two accounts, the Aware and the Hub 24 at the moment because you are getting your contributions into the Aware super. It's best to kind of I don't know if we can change that. I will look into whether we can.\n\nBut because you also got the income protection claim in progress, if we go forward with that claim and you are able to claim something on the income protection policy, it has become the aware will stay have have to stay open for that purpose.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yes. So we will get the authority. I'll get my my claims department to sort of help us with this one. We'll get the admin team to send an authority. I've got the contact details with Taos, so we'll give them a call and get the authority that needs to be signed.\n\nChannel 1: Mhmm.\n\nChannel 0: And then we can get that signed from yourself, and then we can apply that. And we can find out a bit more detail about when the claim was submitted, whether it's still ongoing, what's happening with it, what they're waiting on, and how that looks. And then we can also sort of have a look at whether it's worth moving forward with that claim or whether it should might impact your workers' compensation. Because your your workers' compensation, last time we caught up, you were receiving about 80% of your income. Is that still how\n\nChannel 1: Yeah.\n\nChannel 0: much you're receiving income wise from workers' compensation?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Because if you are with income protection, you can't normally claim more than 70% of your, pre disability income. So if you are on the workers' compensation and you're getting more than, that 70%, then the income protection claim won't pay, because your workers' compensation is seen as income, essentially. So there is a chance that the income protection claim may not may not be the way forward, that it may be\n\nChannel 1: Yeah.\n\nChannel 0: this may not be approved, essentially. And with the amount you're getting from in from the workers' compensation, how much are you receiving on a weekly or fortnightly or monthly basis from them at the moment?\n\nChannel 1: So gross weekly, I get\n\nChannel 0: Yep.\n\nChannel 1: $13.76,\n\nChannel 0: Yep.\n\nChannel 1: which works out to $11.12 net.\n\nChannel 0: Yep.\n\nChannel 1: I did the right homework, didn't I?\n\nChannel 0: Yeah. You\n\nChannel 1: Been\n\nChannel 0: did.\n\nChannel 1: busy\n\nChannel 0: You did.\n\nChannel 1: writing stuff down. I'm sorry.\n\nChannel 0: You did a very good job. You've definitely given me a lot more than most times. That's fantastic. No. That's really good.\n\nAnd I know with your mortgage and your bills expenditure at the moment, is the amount that you're receiving from workers' compensation, is that covering your expenditure? Are you finding that you've got enough to live on, or do you need anything additional in to support that?\n\nChannel 1: Well, I have been eating into my savings, but, you know, I've I didn't used\n\nChannel 0: Yeah.\n\nChannel 1: to feel like I had to budget, and it's taken me a long time to manage all of that because I have been seriously unable to do that sort of shit. But I think\n\nChannel 0: Yeah.\n\nChannel 1: I'm getting a bit of a handle on it now.\n\nChannel 0: Yep. Yep. That's okay.\n\nChannel 1: But, yeah, I did blow a lot of savings over\n\nChannel 0: Okay.\n\nChannel 1: it, sadly.\n\nChannel 0: So no. That's understandable. This we've had a lot going on, and it definitely takes time. Cash flow and budgeting can definitely take time, especially when we've been working, earning a significant income, and then we're off work due to illness or injury and things go wrong, and we're still having the same amount of bills come out, but our income decreases. It can definitely take a bit of a toll.\n\nSo it's completely understandable.\n\nChannel 1: Yeah. Well, I actually my bills all went up because I was home all the time, and\n\nChannel 0: Yeah.\n\nChannel 1: and I've got you know, I don't they don't cover my 100% of my medical fees and bills and stuff either. So\n\nChannel 0: Yeah.\n\nChannel 1: that's been an added expense.\n\nChannel 0: Yes. Okay. So given your age, so you're 61 this year.\n\nChannel 1: Mhmm.\n\nChannel 0: So, realistically, because you're over the age of 60 and not working, we can look to supplement the income that you are receiving and start to draw a little bit out of super. I will just do some research to make sure that it's not gonna impact your workers' compensation amounts at all. It shouldn't, because income from super when you're over 60 is completely tax free and is not considered income for the purposes of employment and tax and things like that. Did you want us to maybe look at as part of the advice maybe trying to draw a little bit of income at maybe a lump sum to replenish or give you some extra money, or did you want to sort of maybe draw a regular income out on a fortnightly or weekly basis to sort of support your income needs?\n\nChannel 1: Look. I think I really need to get this mortgage situation sorted out\n\nChannel 0: Yep.\n\nChannel 1: and get it refinanced because that will save me not save me, but it will help reduce the mortgage quicker over the next few\n\nChannel 0: Yep.\n\nChannel 1: years. And I have kinda learned to pull my head in.\n\nChannel 0: That's absolutely fine.\n\nChannel 1: So I think for now, no. I'm okay.\n\nChannel 0: Okay.\n\nChannel 1: If I can get this refinancing and\n\nChannel 0: Yep. That's okay.\n\nChannel 1: all\n\nChannel 0: Would\n\nChannel 1: that.\n\nChannel 0: you like us to do you have a mortgage broker or someone that you can speak to, or would you like us to refer you through to a mortgage broker that might be able to assist and look at what they can do to help you?\n\nChannel 1: You you did refer me, and\n\nChannel 0: We\n\nChannel 1: they\n\nChannel 0: did.\n\nChannel 1: needed\n\nChannel 0: Yep.\n\nChannel 1: documents. And as I said, my life's been a mess. So\n\nChannel 0: Yeah.\n\nChannel 1: I've been getting those documents, and I I'm behind in my tax and all that sort of stuff. So I actually have to get that have to try and get that sorted first before\n\nChannel 0: Okay.\n\nChannel 1: I move forward. But\n\nChannel 0: Yep. Yep.\n\nChannel 1: I have the details. I've made contact with me. So once\n\nChannel 0: Yes.\n\nChannel 1: once I cross over that first line, it's\n\nChannel 0: Yep.\n\nChannel 1: a process,\n\nChannel 0: Yep.\n\nChannel 1: and it's a bit overwhelming.\n\nChannel 0: Yeah.\n\nChannel 1: That's that's\n\nChannel 0: Of course.\n\nChannel 1: not okay. I'll keep\n\nChannel 0: Yeah.\n\nChannel 1: trying to get\n\nChannel 0: Yep.\n\nChannel 1: that done.\n\nChannel 0: Yeah. Absolutely. One thing at a time. Just feel free to call me if you have any problems or need any help or, you know, if there's anything that you just wanna to this fact, you just wanna have a chat. I'm here as your adviser to support you.\n\nI'm more than happy to talk you through things if I can help, if I can find some information, or if there's anything I can do or refer you to someone, I will absolutely do that for you.\n\nChannel 1: Thank\n\nChannel 0: We just wanna\n\nChannel 1: you.\n\nChannel 0: work in a way that supports you, looks after your super, make sure you're, you know, working towards your goals because even from here, you've still got you know, most people live in those time of years from 60 plus for ten, twenty, thirty, forty odd years. So you still got a lot of longevity ahead of you, and we just wanna make sure we continue to update the advice and are here to help you sort you know, make sure we're looking after your goals moving forward. Okay?\n\nChannel 1: Thank you. Yep.\n\nChannel 0: That's okay. Perfect. So what would you would you like me to just start with something simple? Did you want to just maybe withdraw some funds out to cover the cost of the solicitor's fees and maybe put some money on the mortgage, or did you just wanna take some money out to get the solicitor's fees completed? What would you like to do as the next step?\n\nChannel 1: Is it is it complicated to to draw the money out?\n\nChannel 0: No. No. So we can honestly draw it out of the Hub twenty 4 account. Your balance in Hub twenty four is a little bit higher than it is in the Aware. So the Aware account at the moment, the current balance with the rundown I have is last balance, $101,009.79 and 7¢.\n\nWithin hub twenty four, your current balance there is I'm sorry. I'm just going back to my other screen.\n\nChannel 1: I looked it up this morning. It's 309230\n\nChannel 0: It is.\n\nChannel 1: 9.\n\nChannel 0: Yeah. So 309239. So we can actually physically do the withdrawal from hub twenty four. We just need to essentially have a form signed to note that you're no longer working, that you meet the condition of release. So you're not physically working at all and you're over 60, which meets that condition of release, which means you can draw the funds down completely tax free.\n\nWe can take it out of the aware account if you'd like to. It's just a little bit can be a little bit longer of a process because we've gotta get the form signed central where they sell things down to your bank account can take a little bit longer. Whereas with Hub twenty four, we can physically do all that for you and complete the withdrawal and monitor it a little bit easier. But it's up to you on how you would like to proceed with it.\n\nChannel 1: So in the past,\n\nChannel 0: Yep.\n\nChannel 1: I've used that Aware as, like, a parking ground.\n\nChannel 0: Yep.\n\nChannel 1: And then, generally, once it gets over a certain amount, do you make a lump sum\n\nChannel 0: Yes.\n\nChannel 1: withdrawal\n\nChannel 0: Yes.\n\nChannel 1: and swap it into the hub?\n\nChannel 0: Yes.\n\nChannel 1: I just I'd because that yours is, I think, earning a better return\n\nChannel 0: Yes.\n\nChannel 1: than Aware for\n\nChannel 0: Yeah.\n\nChannel 1: Hub\n\nChannel 0: Yeah.\n\nChannel 1: '24.\n\nChannel 0: We yeah.\n\nChannel 1: So\n\nChannel 0: I\n\nChannel 1: either\n\nChannel 0: definitely\n\nChannel 1: way,\n\nChannel 0: wanna do that.\n\nChannel 1: I'll\n\nChannel 0: Yeah.\n\nChannel 1: probably bring that Aware back to sort of $20 or whatever I needed to. I don't\n\nChannel 0: Yeah.\n\nChannel 1: actually\n\nChannel 0: Definitely.\n\nChannel 1: if I'm not paying the insurance anymore, I don't know that I have to have $20 in there.\n\nChannel 0: No. We normally only like to keep about 10,000 in that account, and I do wanna just update the advice to reflect that. I'm also looking at your hub twenty four account, and I've done a bit of a review of the investments in there. And there are some changes we'd like to make. So one of your investments in hub twenty four at the moment is underperforming.\n\nSo I would like to move that investment out of there and replace it, maybe update your risk profile within Hub twenty four, reevaluate the investments within Aware as well to make sure that everything is in line with your risk capacity,\n\nChannel 1: Yeah.\n\nChannel 0: just to make sure you're not taking on too much risk because the markets are still quite up and down. They are volatile.\n\nChannel 1: Mhmm.\n\nChannel 0: And just look at whether we need to keep a where open anymore or whether it can be closed off, but it all comes down to whether that income protection claim is viable or whether you won't be able to claim the income protection. So we just\n\nChannel 1: Well\n\nChannel 0: need to finalize that bit of research with Taos. So sorry.\n\nChannel 1: no. That's alright. I just also thought\n\nChannel 0: Yeah.\n\nChannel 1: that with Aware,\n\nChannel 0: Yeah. Yep.\n\nChannel 1: they would accept the small payments in, whereas Hub twenty four wouldn't do that. That\n\nChannel 0: Yeah.\n\nChannel 1: was my\n\nChannel 0: No.\n\nChannel 1: understanding.\n\nChannel 0: No. Hub yeah. No. Hub twenty four would definitely accept smaller payments. So so long as the workers' compensation claim, the employer contributions can be paid into Hub twenty four, then they absolutely will accept them.\n\nThere's, yeah, no no issue with that in any way, shape, or form.\n\nChannel 1: I think maybe\n\nChannel 0: Yeah.\n\nChannel 1: then I only kept it for the insurance portion.\n\nChannel 0: That yeah. Having a look at the last advice document, it was kept because you needed to retain the that you had. It looks like we were unable to get new cover at that time. So Aware was kept open to keep your contributions going in to retain the level of insurances that you had\n\nChannel 1: Yeah.\n\nChannel 0: until such time as you don't need them again. So it's really important that we update the advice. We reevaluate your goals and make changes to the investments as well every so often because investments, you know, that might have been good a couple of years ago might not be any you know, might need to alter or might not be any good anymore. We might need to change them. So I'd\n\nChannel 1: Mhmm.\n\nChannel 0: love to go back and just reevaluate the investments, have a look at the risk level you're taking, see if we can find a better performing portfolio for you, and also look at whether we can consolidate that or whether the Aware needs to stay open for you. Are you comfortable with me doing that for you?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: That would be great. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Things change, and I don't seem to keep up with that.\n\nChannel 0: No. That's okay. Can I ask you with the claim for workers' compensation, when you were getting those payments put through, did they ask you what Superfund to pay your contributions to, or was that just something they worked out automatically?\n\nChannel 1: They probably just paid because I was with Aware when I was working. It probably\n\nChannel 0: Yep.\n\nChannel 1: just came through the employer, I think.\n\nChannel 0: Okay. Probably discontinued. Yep. That's okay. I'll do some research to see if we can have those contributions moved into Hub to try to consolidate everything.\n\nBecause, realistically, if we can move everything from Aware into Hub 24, having everything invested in one place does give you you have more money, makes more money. So it does ultimately provide a greater benefit.\n\nChannel 1: Yeah.\n\nChannel 0: But I'll do the research first. I don't wanna do anything that's gonna impact you, and the first part of my research just needs to be around that income protection claim with Cal to see what's happening there, what we can do to help, and whether or not the claim is gonna go through or not. And then we can look at how best to sort of structure things as well for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: All good.\n\nChannel 1: Sounds\n\nChannel 0: And in the meantime,\n\nChannel 1: perfect.\n\nChannel 0: did you want us to organize a a bit of a withdrawal? We can do it quickly as a transaction without seeking advice, and that's just you directing us to withdraw some money as much as you need to cover any large bills, to pay the solicitors, to sort of give you some funds in the short term to support you a little bit more. Did you want me to organize that as a matter of priority?\n\nChannel 1: Well, I will need to pay this list. Are they gonna be hassling me soon. I did ask them to give me a few days, and I've taken a week already. I so I'll need the 10,000, and\n\nChannel 0: Yep.\n\nChannel 1: I don't even know how to pay the money off off the mortgage because I sit I sit money in an offset account, and that makes the mortgage look prettier than it is.\n\nChannel 0: Mhmm. Yeah. Yep.\n\nChannel 1: I'm not sure whether the best what this is what I wanna refinance and just get that. And then I can see it. I don't\n\nChannel 0: Yes.\n\nChannel 1: like this offset set up. It's not how I spent all my money. It's too accessible. What do I wanna do? So okay.\n\nSo I take 50 out, and I'll\n\nChannel 0: Mhmm.\n\nChannel 1: just sit 40 of the offsets while\n\nChannel 0: Yep.\n\nChannel 1: I try and sort out my tax. And then\n\nChannel 0: Yep.\n\nChannel 1: I can do something productive and get onto a break your your broker and get a better mortgage set up and\n\nChannel 0: Yep.\n\nChannel 1: something that works better for me.\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: So that will\n\nChannel 0: And did\n\nChannel 1: bring\n\nChannel 0: you want\n\nChannel 1: me\n\nChannel 0: us to organize\n\nChannel 1: under a 100\n\nChannel 0: sorry.\n\nChannel 1: for my interest for\n\nChannel 0: Yes.\n\nChannel 1: my oh, no. It'll bring me down to about a 100. If I put\n\nChannel 0: Yeah. So it's taking\n\nChannel 1: 40 yeah. A\n\nChannel 0: 50.\n\nChannel 1: bit under\n\nChannel 0: That's\n\nChannel 1: a 100.\n\nChannel 0: 10,000 there and 40. You said you owed a 132. So, yeah, it gives you a little over that under that $100,000 mark. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. And did you want us to organize that withdrawal from Hub twenty four, or would you like us to withdraw it out of the Aware Super? It's completely up to you. We can do either.\n\nHub twenty four, we obviously have more control over.\n\nChannel 1: Is it what am I trying to say? It's not what I'm trying to say. I what do you is it gonna impact financially more if I take it out of the? I mean, I can ring this list and say we're going through the withdrawal process. Can you give me I don't know what would it be,\n\nChannel 0: Yep.\n\nChannel 1: two weeks?\n\nChannel 0: Yeah. I mean, with the hub twenty four, we can withdraw it out of individual investments to make it a little bit faster, or we can do it pro rata. Pro rata could take a couple of days. We can also request that once we submit the withdrawal because we're withdrawing less than 80% of the balance, that they pay that out before the withdrawals are completed, so it can be a lot faster to do it from hub twenty four. So we could have this withdrawal done.\n\nAs long as we get everything signed today, we can have this withdrawal processed within, you know, two to three days, essentially. With Aware, it can take them about a week depending on how they draw things down.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: If you're gonna be reevaluating my portfolio with Hub,\n\nChannel 0: Yep.\n\nChannel 1: I'm not very sure what this process looks like, but\n\nChannel 0: That's okay.\n\nChannel 1: if you were to take the, like, the higher risk portion, some of that out, and then\n\nChannel 0: Mhmm.\n\nChannel 1: get the I mean, you could do 80,000 out of the way 90,000 out of the way and that out of the you know, to to put back in. Does that make sense?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: To\n\nChannel 0: Absolutely.\n\nChannel 1: put back into hub?\n\nChannel 0: Yep. Yep.\n\nChannel 1: Otherwise,\n\nChannel 0: And that's what\n\nChannel 1: I\n\nChannel 0: we'll\n\nChannel 1: am\n\nChannel 0: do as part of the advice.\n\nChannel 1: so otherwise,\n\nChannel 0: Yeah.\n\nChannel 1: I I could just ring this list and say, right. It's it's a process to get this out. I need I need a week or so to or a week, do you think, would be safe or, say, ten working days?\n\nChannel 0: Yes. It'll take me to do the research properly, it'll take us about one to two weeks to complete the research before updating the advice for you. So that's why I'm sort of thinking if we withdraw this now quickly, that gets the solicitor's bill sorted for you and give you some money now. And then we can reevaluate everything with the advice and look at how that benefits moving forward. Does that make sense?\n\nChannel 1: Yeah. So I'm still not sure where\n\nChannel 0: Yeah.\n\nChannel 1: I'm taking the money at. Because\n\nChannel 0: No.\n\nChannel 1: if\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: okay.\n\nChannel 1: solicitor says it's okay to, you know, that they'll they're happy for me to pay that bill in two weeks' time, then I I think I would just\n\nChannel 0: Yep.\n\nChannel 1: take it out of Aware, I think.\n\nChannel 0: Yep. That's\n\nChannel 1: Does\n\nChannel 0: okay.\n\nChannel 1: it?\n\nChannel 0: Do you wanna give them a call and find out if they're happy for it to be in, you know, a week or so's time, and we just take that money from Aware?\n\nChannel 1: Yeah. That might be.\n\nChannel 0: Yep.\n\nChannel 1: And I'll I'll call you back once I hit when I\n\nChannel 0: Yeah.\n\nChannel 1: once\n\nChannel 0: Yeah.\n\nChannel 1: I is that\n\nChannel 0: That's\n\nChannel 1: alright?\n\nChannel 0: that's absolutely fine.\n\nChannel 1: Is\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: That's\n\nChannel 1: is\n\nChannel 0: absolutely\n\nChannel 1: that the right\n\nChannel 0: fine.\n\nChannel 1: thing to do, or is it not gonna make a huge difference either way?\n\nChannel 0: No. Well, in all honesty, if they've got a bit of time, if they want the money quicker, Hub twenty four is easier to take it out of. But because realistically with the advice we'd be trying to consolidate Aware into Hub twenty four, it does it is more beneficial to take it out of the industry fund. It's just that it can be a longer process to take money out of the industry fund because they have their set processes that take three to five days to receive and process things and then the withdrawal. They don't like to pay money up before they sell the investments down to to match it.\n\nSo it can be a little bit longer of a process to do it that way. But if the if the solicitors are happy just to wait another week or so, we can get the form signed as quickly as possible so we can get everything done. It'll be a transaction without advice. It's the quickest way to do the withdrawal for you. It's just\n\nChannel 1: Yeah.\n\nChannel 0: us letting you know that we're not providing advice on this. Is the direction that you need the money now, that we're gonna do it as quickly as possible. And it's just about noting that the funds will no longer be invested, that the money can take some time to sell down, and that, you know, you're comfortable not seeking advice on this withdrawal, that you just need these this money now to to pay these bills and to help you upfront. And as long as you're comfortable with that, we can get the forms. We'll get them signed.\n\nWe'll send everything to Aware, and then we'll follow-up with a phone call saying, hey, guys. This is important. We need this done as quickly as possible, and we'll try to push it through as fast as possible on their end. Does that make sense?\n\nChannel 1: It does. I just I still\n\nChannel 0: Yeah.\n\nChannel 1: don't know whether that's I'm making the right decision to do it that way or whether and I don't know what the difference is going to be if I just go direct from other than\n\nChannel 0: Yep.\n\nChannel 1: PACE.\n\nChannel 0: Yeah. The other option is if you are really unsure and you just want us to provide that personal advice is we can do the research. We'll need to obviously get the TPA applied to TAO and do the research with them first up. So we can do some research and try to provide the advice. It'll it normally takes us about a week or two.\n\nNormally, about two weeks because we have to incorporate the TAO income protection policy into this research.\n\nChannel 1: Yep.\n\nChannel 0: So in about sort of two to three weeks, we could have the advice completely done up for you, which tells you where to withdraw the funds from, what we're gonna do to the investments, and how best to move forward and structure everything to make it better for you. But that's a little bit longer to get personalized advice. We have a quite a bit of research to do, so it will take a little bit longer to do that. So I just sort of wanted to find out what's more preferable to yourself.\n\nChannel 1: Right. It's another problem I have is I can't make any decisions anymore.\n\nChannel 0: No. That's okay. You can take you can take some time to have a think about it if you want. You don't have to make the decision right this minute.\n\nChannel 1: Okay.\n\nChannel 0: Do you wanna take some time to have a think about what you'd like to do?\n\nChannel 1: Just want someone else to take control. I don't wanna play adults\n\nChannel 0: Yep. No. That that's okay. That's alright. Do you want me to just have the\n\nChannel 1: anymore.\n\nChannel 0: withdrawal process? I mean, I can just do the withdrawal out of Aware. We just need you to sign the transaction without advice, and that way it gets processed. It's completely tax free to yourself. And the sooner we start it, the easier it will be to have the funds on the mortgage and have the solicitor's bill completely paid and out of the way for you.\n\nOne less thing to worry about.\n\nChannel 1: Okay. Let's do that. I will ring the solicitor.\n\nChannel 0: Does that sound okay?\n\nChannel 1: Yeah. So if I because I could give them a little bit now. You know, like, I could\n\nChannel 0: Mhmm.\n\nChannel 1: pay them 2 and a half grand or something now and then just the balance when that comes through, and and I'm I'm sure they'll be okay with that.\n\nChannel 0: Yep.\n\nChannel 1: So I might, you know, scream, but I'll confirm with you. I'll ring is Michelle working today?\n\nChannel 0: She is.\n\nChannel 1: Is it\n\nChannel 0: Yeah.\n\nChannel 1: Michelle?\n\nChannel 0: I'll let her know that you'll be calling back to confirm.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah, the the fastest and easiest way to do this while we do the research around the rest of the advice is to get you some money now so you can pay down the mortgage a little bit, have a bit of a buffer there as well, and also cover the solicitor's bill is to do it as a transaction without seeking advice. We'll just get you to sign the document. I'll outline the risks involved. We'll get the withdrawal form sorted as well, and we'll just need to get a bank statement off you that shows your bank account information because Aware will want to know where to pay the funds to, essentially.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yep. So we just need to see a bank statement or get your bank account information, you'll be seeing account number. And we can get those forms done up for you, get them signed nice and quickly, and then we can push that through as fast as possible. And that means you could have that money a little bit quicker, have it in the bank, gives you a buffer, and it pays the solicitor's bill. Does that sound okay?\n\nChannel 1: Yeah. That sounds good.\n\nChannel 0: Yep. That way they're not ringing you and going, hey. You owe us this money. Hurry up.\n\nChannel 1: Yeah. So so you will\n\nChannel 0: And\n\nChannel 1: pay\n\nChannel 0: and\n\nChannel 1: it will all go into the bank account, and then I can send that on to\n\nChannel 0: yep.\n\nChannel 1: the\n\nChannel 0: Yes.\n\nChannel 1: solicitor. Okay.\n\nChannel 0: Yes.\n\nChannel 1: Let's\n\nChannel 0: So\n\nChannel 1: do\n\nChannel 0: Aware\n\nChannel 1: that.\n\nChannel 0: will have to pay that money into your bank account, and then you can have that transferred across to to the solicitor's account. Okay?\n\nChannel 1: Perfect. Alright. Excellent.\n\nChannel 0: Perfect. So\n\nChannel 1: Okay.\n\nChannel 0: I'll do up a TWA for withdrawal. We want 50,000. Is that right?\n\nChannel 1: Yes, please.\n\nChannel 0: Yep. From Aware Super ASAP. Beautiful. And we will get that document out to you today.\n\nChannel 1: Mhmm.\n\nChannel 0: Now with the bank statement side of things, is it easier if I maybe get Michelle to give you a call and get the information? Or are you able to send us a copy of your just a bank statement that shows the BSB, the account, and your name?\n\nChannel 1: Yeah. Yeah. I can probably get that I could get that online with a screenshot of it work or not. That's who needs to be the same.\n\nChannel 0: It might do. I'm just double checking your where's rules because some of the s super funds have changed where they might not request the actual statement be provided. I might be able just to get Michelle to give you a call and get the details over the phone,\n\nChannel 1: Okay.\n\nChannel 0: but I just wanna check Aware's rules for you to make it as easy as possible.\n\nChannel 1: Mhmm.\n\nChannel 0: Let's have a look. Yeah. So it says here they specifically require a copy of your bank statement.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Copy of your current bank statement. This must show your account balance, Clarisse. No. Sorry.\n\nIt's hardship claims. For a lump sum withdrawal or changing payment details, you must provide the following, your member number and account, BSB, and proof of identity. Okay. So Certificate driver's license. Sorry.\n\nIt looks like they actually should not require the bank statement itself. They may just do a phone call to confirm the information with you,\n\nChannel 1: Okay.\n\nChannel 0: but they do want updated ID, which I believe we already have. So I yeah. Did you wanna call the solicitors first and find out when they want the transaction, or would you just like us to organize it from where nice and quickly for you?\n\nChannel 1: Well, if you go ahead and organize it, and I will try\n\nChannel 0: Yep.\n\nChannel 1: and bribe them into letting me make a payment today and the balance when the super withdrawal happens.\n\nChannel 0: Okay.\n\nChannel 1: I'm sure they'll understand.\n\nChannel 0: Yep.\n\nChannel 1: I'm sure they've faced this before.\n\nChannel 0: Absolutely. Absolutely. Absolutely. No. That's perfect.\n\nWell, we will get that TWA done. I will get the benefit payment form sorted. I will get Michelle to give you a call and get your bank\n\nChannel 1: So\n\nChannel 0: information for the form. I\n\nChannel 1: Yep.\n\nChannel 0: don't wanna do it on this line because I don't do it on a recorded line. We have to turn the recording off, and I'm gonna be honest with you. I'm not that good at it. So Michelle knows what\n\nChannel 1: Oh,\n\nChannel 0: to\n\nChannel 1: I\n\nChannel 0: do\n\nChannel 1: feel\n\nChannel 0: there.\n\nChannel 1: your\n\nChannel 0: So\n\nChannel 1: pain.\n\nChannel 0: I'll get so I'll get her to give you a call to get your bank account details before the withdrawal form, and we'll make sure that it can be electronically signed. If we have to get it web signed, we'll let you know. We'll do we'll do all the bits we need to make sure we understand what has to happen to make this as quick as possible for you.\n\nChannel 1: Perfect.\n\nChannel 0: And just confirming, you just wanna withdraw 50,000.\n\nChannel 1: That's right.\n\nChannel 0: Yep. Perfect. ASAP. Beautiful. We can do that for you.\n\nChannel 1: And I have to say, Michelle rang me the other\n\nChannel 0: Yeah.\n\nChannel 1: day for some it's about DocuSign thing. She's a legend.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Isn't\n\nChannel 1: love\n\nChannel 0: she\n\nChannel 1: her.\n\nChannel 0: beautiful?\n\nChannel 1: She's\n\nChannel 0: She\n\nChannel 1: my\n\nChannel 0: is\n\nChannel 1: new\n\nChannel 0: really, really\n\nChannel 1: friend.\n\nChannel 0: sweet. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. She is really beautiful. So\n\nChannel 1: Yes.\n\nChannel 0: Michelle is gonna be she's my admin now, and she's been learning to do all the implementations and work with the kind of advice that I give, which is a lot around that retirement space, so quite complex advice scenarios. And, yeah, she's really enjoying it. She's a great person. She's just so personable,\n\nChannel 1: Yep. Yes.\n\nChannel 0: and\n\nChannel 1: Definitely.\n\nChannel 0: she's really, really good to speak to. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So whenever\n\nChannel 1: Yep.\n\nChannel 0: you need anything from us, we'll make sure Michelle's the one that you get to talk to there.\n\nChannel 1: Oh,\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: if\n\nChannel 1: love\n\nChannel 0: you have\n\nChannel 1: that.\n\nChannel 0: any questions or concerns, you can ask for me. I work Monday to Thursday, and I work anywhere up until 7PM at night. So I can call you at any time that you need. Okay?\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Yeah.\n\nChannel 1: Excellent.\n\nChannel 0: Beautiful.\n\nChannel 1: Wonderful. Thank you so much.\n\nChannel 0: That's that's okay. Before I let you go, I just wanted to update a few more, just some details here for you just for the advice.\n\nChannel 1: Yes.\n\nChannel 0: Now just sort of goals wise, I know at the moment, you're not sort of needing to draw anything out of super, and that's a half in this 50,000. And that's okay. If anything changes down the track, you're welcome to let me know. But because the workers' compensation claim is expected to go until about the age of 67, do you think that at that time, you'll wanna start drawing an income out of super? Is that sort of where you think your goal might land for that?\n\nChannel 1: Yeah. I think so. I don't I don't know how it's gonna look for getting any pension support for me because\n\nChannel 0: Yes.\n\nChannel 1: I don't understand the whole asset thing. So, yeah, I would need to look at even if I were getting a pension, I\n\nChannel 0: Mhmm.\n\nChannel 1: would need extra support, however that works,\n\nChannel 0: Yes.\n\nChannel 1: because the pension's not enough. I mean,\n\nChannel 0: No.\n\nChannel 1: I will\n\nChannel 0: Definitely.\n\nChannel 1: there's a lot of things that were in my plan that I will still probably implement because I don't need to be living in a double story townhouse with three bedrooms and three bathrooms by myself. That's not so\n\nChannel 0: Yeah.\n\nChannel 1: downsizing\n\nChannel 0: Yeah.\n\nChannel 1: was definitely something I was always going to do, which\n\nChannel 0: Yeah.\n\nChannel 1: is why I wasn't worried about having a smaller mortgage because I can just, you know, just get a cheaper house. And\n\nChannel 0: Yes.\n\nChannel 1: that'll\n\nChannel 0: Yeah.\n\nChannel 1: kill the rest of the mortgage, and I'll be fine with that. But, yeah, it's just managing on\n\nChannel 0: So\n\nChannel 1: a pension\n\nChannel 0: plan to downsize.\n\nChannel 1: alone won't be even doable for anybody, I don't believe. But Try and tell\n\nChannel 0: No. No.\n\nChannel 1: Albanese\n\nChannel 0: It's it's\n\nChannel 1: that.\n\nChannel 0: yeah. No. It is definitely not enough for anyone to live on. The good thing is I do a lot with the Centrelink space and age pension and assets and income testing and things like that. So we can absolutely look at, you know, what we can do at that point, whether you're eligible, what that means for you, and how you draw down income from Super to supplement that for\n\nChannel 1: Mhmm.\n\nChannel 0: you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Okay. And you're looking to, down the track, sell the house and downsize a little bit. Do you know\n\nChannel 1: Yeah.\n\nChannel 0: what when you're sort of thinking about doing that, would that be when you fully retire after age 67 or beforehand? Or\n\nChannel 1: Probably beforehand. I'm probably looking at maybe the next three or four years, I suppose.\n\nChannel 0: yep. Perfect. That's okay. And is there any other goals that you're, you know, looking forward to down the track or that you have down the track that you're hoping to achieve?\n\nChannel 1: I haven't thought that far ahead. I do have a a share portfolio, but I've been I've complicated my life with that. So I will probably look at restructuring that, and I don't know what I'll do. Growing that, I think, over time\n\nChannel 0: Okay.\n\nChannel 1: a little\n\nChannel 0: Yep.\n\nChannel 1: bit more.\n\nChannel 0: Do you wanna keep that building? Yeah.\n\nChannel 1: I I'm asking this. Yeah. So I I need to sort that out because it was I changed trustees, and I've gotta do a I can't remember the name of it, but we changed the name on the ownership of the shares without selling them or buying\n\nChannel 0: Okay.\n\nChannel 1: them again. So I have\n\nChannel 0: Yep.\n\nChannel 1: to do that for for\n\nChannel 0: Yep.\n\nChannel 1: every individual holding. And\n\nChannel 0: Right.\n\nChannel 1: I can't I can't I have no relationship with my broker that collapsed number of years ago. So just even getting away from her has been the biggest headache in the world. So\n\nChannel 0: Yeah.\n\nChannel 1: I've gotta do that. I've gotta take take that leap of faith. I'm fine.\n\nChannel 0: Absolutely. Are those shares held in a a company or a trust or anything?\n\nChannel 1: They're in a trust.\n\nChannel 0: In a trust.\n\nChannel 1: So what\n\nChannel 0: Okay.\n\nChannel 1: I yeah. So I I changed trustees. My dad was dying, and I swapped the kids as minor trustees. I'm the major trustee and put the\n\nChannel 0: Yep.\n\nChannel 1: kids in, but the shares were all held because it's in the trust. It states the person's name as well as the name of\n\nChannel 0: Yes.\n\nChannel 1: the trust. And\n\nChannel 0: Yes.\n\nChannel 1: and I have to swap that over so the kids' names are there on the stairs. So there is a name for it that's like a I don't know, nontransactional transfer or some something.\n\nChannel 0: Yes.\n\nChannel 1: So I made it. But I I just panicked, and I was trying to swap it over before I had to try and get death certificates and stuff. So I do a panic and probably made a mistake, but whatever.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: That's\n\nChannel 0: So, sir,\n\nChannel 1: not\n\nChannel 0: you're\n\nChannel 1: that\n\nChannel 0: doing the non transactional ownership of shares. So transferring the contract between trustees without actually buying and selling. Yep. Yep. That's understandable.\n\nPerfect. That's all good. All good. So that's something that's gotta be done down the track. Absolutely.\n\nAnd is there anything else that you might be hoping to achieve goal wise? Or it's okay if there's not.\n\nChannel 1: I don't know. I'm just, you know, treading\n\nChannel 0: No.\n\nChannel 1: water treading water's worked for me the last\n\nChannel 0: Yeah.\n\nChannel 1: few years. So\n\nChannel 0: Yeah.\n\nChannel 1: so if I can\n\nChannel 0: That's\n\nChannel 1: keep treading\n\nChannel 0: okay.\n\nChannel 1: water, I'll be okay.\n\nChannel 0: Yep. That's okay. From the the trust, I'm assuming it's a family trust that you do have there, do you earn any income from that? Do you receive\n\nChannel 1: I do.\n\nChannel 0: any income from that as a\n\nChannel 1: Yeah.\n\nChannel 0: beneficiary? Yep. How much do you sort of averaging income from that on a yearly basis\n\nChannel 1: I think\n\nChannel 0: at\n\nChannel 1: it's\n\nChannel 0: the moment,\n\nChannel 1: about\n\nChannel 0: or what was the\n\nChannel 1: 12,000.\n\nChannel 0: okay. Family trucks. H. Yeah. Beautiful.\n\nExcellent. Lovely. And just having a look at any other assets in your own personal name there as well. You've got your house at the moment. Have you had that, or has anyone had that valued for you recently?\n\nDo you know sort of what value the house would be at the moment?\n\nChannel 1: I haven't had it valued since I refinanced in 2018 or something like that.\n\nChannel 0: Yep.\n\nChannel 1: But in COVID, my neighbor's property sold, which is, like, identical to this one. It's the front street.\n\nChannel 0: Yep.\n\nChannel 1: And they got a million and 50. So I\n\nChannel 0: Wow.\n\nChannel 1: just say it's worth about a million,\n\nChannel 0: Yeah.\n\nChannel 1: but I can't\n\nChannel 0: Perfect.\n\nChannel 1: you know, it's only worth what someone's prepared to pay for it. Isn't that the isn't that\n\nChannel 0: That's\n\nChannel 1: what you're\n\nChannel 0: right.\n\nChannel 1: saying?\n\nChannel 0: Yeah. That's it. That's it. No. That's okay.\n\nI'll put a mill a million on there for you.\n\nChannel 1: Mhmm.\n\nChannel 0: And other assets I like to sort of consider as well, do you have contents insurance?\n\nChannel 1: I do. And I think I'm insured for about 135, which might sound underinsured, but, seriously, everything worth anything was stolen a few years ago. So\n\nChannel 0: Yeah.\n\nChannel 1: I didn't bother to review that after that because all my good jewelry and everything went. So, you know, I'm not like that. I've got computer and a shitty old television and that sort of thing, but nothing\n\nChannel 0: Yep.\n\nChannel 1: nothing of any major\n\nChannel 0: That's okay.\n\nChannel 1: value anymore. Well, one one ring that I wear all the time, so that's it. Everything else is gone.\n\nChannel 0: Yep. That's okay. What kind of car do you drive?\n\nChannel 1: 2020 RAV four Toyota.\n\nChannel 0: Beautiful. Beautiful. And if you have to sell that car tomorrow, what do you think you'd want for it? What's the value of TU?\n\nChannel 1: I don't know enough about cars to really\n\nChannel 0: That's okay.\n\nChannel 1: I don't know. Well, I\n\nChannel 0: Did\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: bought it in\n\nChannel 0: if you\n\nChannel 1: 20 24\n\nChannel 0: yep.\n\nChannel 1: for 40,000. So I don't\n\nChannel 0: Okay.\n\nChannel 1: know what the depreciation is on that, but\n\nChannel 0: That's alright. If you like, I've got some access to some material. I can have a look and see what the the rough valuation is on those sorts of vehicles for you.\n\nChannel 1: Sure.\n\nChannel 0: Yeah. Beautiful. And the shares that you have there in the trust, so that's okay. So having a look income wise, when you consider your growth you're receiving from the from the workers' compensation claim plus the 12,000, you're getting roughly on a yearly basis from the trust there as well. So you're\n\nChannel 1: Mhmm.\n\nChannel 0: earning roughly a bit over 80,000 per year income wise.\n\nChannel 1: Well, where the fuck does that all go? Sorry.\n\nChannel 0: Understandable. There's a lot of bills in there with mortgage repayments and all the\n\nChannel 1: I'm\n\nChannel 0: bits and\n\nChannel 1: not.\n\nChannel 0: pieces and food and living and\n\nChannel 1: Yeah.\n\nChannel 0: no. That that's okay. So money is a bit tight at the moment. You're not really saving anything. Everything that's coming in is sort of going out towards the bills is what you're sort\n\nChannel 1: Yeah.\n\nChannel 0: of finding.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That's okay. All good. Beautiful. Alright.\n\nSo what we can do oh, I also just wanted to double check your beneficiaries as well just to make sure everything was in line with your wishes. With everything you've had, I know you've got a lot going on, but have you ever drawn up a will, had a power of attorney, drawn up with a solicitor as well?\n\nChannel 1: I am about to do that because my will is so old. And,\n\nChannel 0: Yep.\n\nChannel 1: like, I I drew that up when my husband died, so that and the kids were\n\nChannel 0: Yeah.\n\nChannel 1: baby you know, five and three. So\n\nChannel 0: Yep.\n\nChannel 1: it's like pages and pages of complicated crap, and that's not necessary anymore because\n\nChannel 0: Yeah.\n\nChannel 1: they're both in their thirties. So\n\nChannel 0: Yeah. Yep.\n\nChannel 1: so I definitely need to do a new will.\n\nChannel 0: Yep.\n\nChannel 1: And I think in the super, I've just got $50.50 for the kids.\n\nChannel 0: Correct. Yeah.\n\nChannel 1: There's\n\nChannel 0: I've got\n\nChannel 1: yeah.\n\nChannel 0: Jackson and Natasha on both of the aware and the hub 24 for $50.50 each. So you're happy with the way that's structured?\n\nChannel 1: Yeah. I think so. I'm I'm gonna do some I think I'll put it my son owes me a shit ton of money now after I've got nothing left. And I don't think she plans on paying that back. So I need to somehow make sure my daughter is compensated for that.\n\nBut I feel like the will's probably the easiest way rather than I mean,\n\nChannel 0: Okay.\n\nChannel 1: doing it\n\nChannel 0: Yeah.\n\nChannel 1: in the hub super\n\nChannel 0: Yeah.\n\nChannel 1: will ensure that if anything happens to me today or in the next week before I do anything about it, you won't walk away with extra.\n\nChannel 0: Mhmm. Yeah. There there is another way to structure your beneficiaries if it's better for you to be able to do that, where if you had it directed to your legal personal representative that in the event of passing, your super is paid to your will, it becomes an estate asset. And then as part of your will, you can direct how much goes to each of your kids that way.\n\nChannel 1: What did you call that? Because when I talked to the oh, I oh, I have to sorry. Sorry. That was the\n\nChannel 0: Yeah.\n\nChannel 1: the super\n\nChannel 0: It's legal personal representative. Yeah. And that just means that if you ticked legal personal representative on your super, if you were to pass away, your super gets paid to your estate with everything else. And then as part of your will, it just gets combined, and then your will, you just have directed what you want to go to where. And that gives you a bit more control around, you know, having that structured.\n\nThere's with the beneficiaries $50.50 each at the moment, there's nothing wrong with that in any way, shape, or form. It's just you know, if anything happens, they can claim. They get the benefit paid out $50.50. You know, tax might be considered in there as well. But if you wanted it sort of paid out to your estate combined with everything else that you have on your will and then separated as per your wishes, your will does give you a bit more control around how you want things directed.\n\nYeah.\n\nChannel 1: Okay.\n\nChannel 0: Definitely worth having a chat with a solicitor about. Yeah.\n\nChannel 1: Yeah. Put that on my list. No wonder I'm overwhelmed. I'm putting everything off and not dealing with anything. That's no good.\n\nChannel 0: Yeah. No. That's\n\nChannel 1: Alright.\n\nChannel 0: okay. One thing at a time. And and for the moment, your beneficiaries are here and applied. So if anything happened in the meantime whilst you're getting the will sorted, then everything just you know, the kids can claim $50.50. It's still legitimate as it is at the moment.\n\nChannel 1: Okay. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Perfect. Okeydokey.\n\nChannel 0: Yeah. You've got a long list of things there. Just do\n\nChannel 1: I\n\nChannel 0: one\n\nChannel 1: know.\n\nChannel 0: thing at a time, make it\n\nChannel 1: I\n\nChannel 0: a little\n\nChannel 1: will.\n\nChannel 0: bit easier on yourself.\n\nChannel 1: I'll ring this list, though, as soon as I hang up and get\n\nChannel 0: Okay.\n\nChannel 1: that one\n\nChannel 0: I'll\n\nChannel 1: ticked\n\nChannel 0: let\n\nChannel 1: off\n\nChannel 0: Michelle\n\nChannel 1: my\n\nChannel 0: know\n\nChannel 1: list.\n\nChannel 0: that you'll be calling yeah. I'll let Michelle know that you'll be calling back in\n\nChannel 1: Yeah.\n\nChannel 0: and that we need to get the withdraw form from Aware organized as a matter of priority.\n\nChannel 1: Mhmm.\n\nChannel 0: And I'll do up that TWA, and we'll find we'll get that organized for you today. Okay.\n\nChannel 1: Thank you so much. Beautiful.\n\nChannel 0: That's okay.\n\nChannel 1: Alright.\n\nChannel 0: Not a not a problem at all. I do just have to let you know I'm gonna also get Michelle to send out some annual review docs to you\n\nChannel 1: Yes.\n\nChannel 0: just to continue with our services for the next twelve months. We just get you to sign and return those back to us.\n\nChannel 1: Okay.\n\nChannel 0: I know we would have gone through, obviously, our ongoing service fee each year with you as part of your annual review, but do you understand how our services work, how our ongoing service fee works, and, you know, what you're sort of paying for with regard to that?\n\nChannel 1: They would have told me when I changed over to you, I'm sure. But\n\nChannel 0: Yeah. That's okay. I I can go through it with you. It's honestly fine. With our ongoing service agreement, we do charge an ongoing service fee of 1.65%.\n\nThat is deducted from super. So you don't pay for that out of your back pocket in any way.\n\nChannel 1: Yep.\n\nChannel 0: On a monthly basis, it's a smaller percentage. So the 1.65% fluctuates with the market. Our fee is linked to the performance of the market and your super. And, yeah, you just pay that on a monthly basis, 1.65% over the course of the year, and that's the ongoing service for us to look after your super, make sure we're providing advice, assist ongoing in any additional areas that we might need that you might need at the moment as well. And we just get that signed each year to continue with our services so we can keep looking after everything for you.\n\nChannel 1: Sure.\n\nChannel 0: With your super, I'll just give you a little bit of a rundown on how it's been going as well. So sorry.\n\nChannel 1: Yeah.\n\nChannel 0: One of the things that they kinda mentioned, one of your investments has been underperforming a little bit. So I do wanna kind of remove that out and update your portfolio. So I'll go back and research some investment options to make sure things continue to work harder for you. But\n\nChannel 1: Mhmm.\n\nChannel 0: over the course of the last year, your portfolio has still made a 9.81%\n\nChannel 1: Okay.\n\nChannel 0: return. Yeah. It's still a very good return. So you're in a\n\nChannel 1: Mhmm.\n\nChannel 0: growth portfolio, which means that we're chasing around about a seven to 9% return on a yearly basis. The 9.81 is above what we're chasing. And some people prefer a dollar figure instead of a percent. So it means that the earnings your portfolio has made over the year is over $33,630.\n\nChannel 1: Oh, I like that.\n\nChannel 0: Yeah.\n\nChannel 1: I like\n\nChannel 0: Yeah.\n\nChannel 1: I've you know, I'm I'm okay with that 9.8 because I know what what my shares have been making and stuff. So I sort of have my head around that. So I'm happy with\n\nChannel 0: Yeah.\n\nChannel 1: the 981, but I do like that number.\n\nChannel 0: Beautiful.\n\nChannel 1: That's good.\n\nChannel 0: Beautiful. Lovely.\n\nChannel 1: Alright.\n\nChannel 0: Well, in\n\nChannel 1: Good.\n\nChannel 0: your portfolio, you've probably also seen you hold the Benelong concentrated Australian equities managed fund. That's the one that's been underperforming a little bit. So I'm gonna\n\nChannel 1: Okay.\n\nChannel 0: remove that investment out and replace that with something that's performing a little bit better.\n\nChannel 1: Okay.\n\nChannel 0: We just wanna make sure that you're not don't have underperforming investments and that things are working harder. I can also just reevaluate the whole portfolio. Just make sure that you're invested correctly, maybe rebalanced if you're taking a bit too much risk in the market, and also just make sure that everything's working harder for you. Okay?\n\nChannel 1: Perfect. Thank you so much.\n\nChannel 0: That's okay. Now the other thing I just have to sort of talk to you about is the way you are invested. So in that growth portfolio, you normally see about 80% of your super invested in growth assets. So thinking things like Australian shares, international shares, and also listed property, and also commodities. There's some gold and silver in there as well for you.\n\nChannel 1: Mhmm.\n\nChannel 0: That sort of a portfolio does suit someone who is able to stay invested without accessing their money over the next six years. And because you do see 80% in those high growth or high risk investments, like shares and things, we can expect a negative or a big dip sort of one in every five years. Did you want me to maybe look at reducing some of the risk level for you, or are you comfortable staying where you are at the moment?\n\nChannel 1: Yeah. Maybe let's reduce some of the risk.\n\nChannel 0: Yep. Yep. That's okay. I just wanna do a quick questionnaire just to see where you might sit on that risk scope there.\n\nChannel 1: Mhmm.\n\nChannel 0: Now you do earn some individual shares. They are in a trust there, but you have invested, so I can tick that box. And when we're looking at your time horizon, so if we're saying around about age 67 is your time horizon now, it's realistically giving you about a six year time horizon. So we're kind of right on that cost there. So I'll tick\n\nChannel 1: Mhmm.\n\nChannel 0: the box for you. Now when you think about risk, if risk was a number between one and five, five being very risky, you're a 100% invested in the market, throw it all on black, and one being very safe, not investing, and getting lower returns. How where do you think you might fit on that scale? Picking a number between one and five, what would you sort of how do you think you\n\nChannel 1: Probably\n\nChannel 0: might fit?\n\nChannel 1: a three.\n\nChannel 0: Yep. Perfect. Beautiful. And if you saw your investment fall in value, do you think you might wanna put more money in? It could be a buying opportunity.\n\nAre you likely to call us and speak to us, or do you think you'd be really cautious in considering selling your investment? How do you think you might react?\n\nChannel 1: Probably Colgate.\n\nChannel 0: Yep. Perfect. And the second last one here is looking at the average return where you're looking for on a yearly basis. Are you wanting the highest return you can get on a yearly basis? Are you comfortable with chasing maybe six to 8%, four to six percent, two to 4%?\n\nWhat sort of average rate of return do you think you'd be chasing with your super annual investment?\n\nChannel 1: No. I'm gonna say the higher one. I want\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: That's\n\nChannel 1: 8%\n\nChannel 0: absolutely\n\nChannel 1: or whatever\n\nChannel 0: fine.\n\nChannel 1: reason.\n\nChannel 0: Yep. That's honestly fine. And have you ever thought about taking out a loan to invest in shares or managed funds, or have you only ever wanted to borrow for, say, property?\n\nChannel 1: At one stage, I did borrow for shares, but it wasn't something I was very comfortable with. I probably wouldn't go back\n\nChannel 0: Yep.\n\nChannel 1: down that path.\n\nChannel 0: No. That's okay. That's not a problem. So now you have scored in that growth environment there, which is where you're invested in currently. We can look to because you are getting closer to just maybe starting to reduce your risk level slightly.\n\nIf we maybe\n\nChannel 1: Mhmm.\n\nChannel 0: move you down by 10% into that balanced growth environment, it drops the growth investments by 10%. So from 80% invested to 70%, and we're just increasing the lower risk defensive investments gradually. This sort of environment suits a five year time horizon to accessing your money. So you could be in that for the next, you know, one to two years depending on how you feel, but it's more just about stepping down gradually instead of a really big jump in the risk scale. Does that feel like something you'd be comfortable doing\n\nChannel 1: Mhmm.\n\nChannel 0: now,\n\nChannel 1: Yeah.\n\nChannel 0: or what's your thoughts?\n\nChannel 1: Yeah. No. I think that that's gonna stick\n\nChannel 0: That'd be\n\nChannel 1: stick\n\nChannel 0: good?\n\nChannel 1: well with me. Yep.\n\nChannel 0: Yes. Beautiful. Well, I will go and look at the balanced growth side of things. I'll re look at all the the two super funds, how you're invested, what we're looking at, looking towards your goal, projecting things out there for you. I will also organize my team to get the authority for TAL, and we'll do some research with them on the claim to income protection to see what's happening, where it's at.\n\nAs I said, it'll take a couple of weeks to do that. So for the time being, we'll get that withdrawal sorted for you for the 50,000 so you can get\n\nChannel 1: Mhmm.\n\nChannel 0: some money now to help you out. Okay?\n\nChannel 1: Beautiful. Excellent.\n\nChannel 0: Beautiful. Beautiful. Is there anything I might have missed, or is there anything else that you maybe wanted to bring up with me? Or\n\nChannel 1: No. I think I think we've covered everything I was looking for\n\nChannel 0: yep.\n\nChannel 1: at the moment. So\n\nChannel 0: Oh, beautiful. Beautiful. Was it anything comes up, you're welcome to let me know. You did send that email through the other day\n\nChannel 1: mhmm.\n\nChannel 0: with those documents, and thank you for doing that. So you do have my email there as well, Kate. So if there's anything that you find you might want to bring up or any additional questions, you're welcome to email me or call myself and Michelle, and we will take time to answer those with you.\n\nChannel 1: Beautiful. Alright. Wonderful. Thank you so much.\n\nChannel 0: Okay? Oh, my pleasure. Thank you so much for your time. Have you had any word on this? I haven't had the phone go off.\n\nChannel 1: No.\n\nChannel 0: Any word on where your\n\nChannel 1: Nothing.\n\nChannel 0: grandbaby is?\n\nChannel 1: No.\n\nChannel 0: Nothing?\n\nChannel 1: But I've missed a few phone calls from mom who's probably sitting there anxiously waiting too. So\n\nChannel 0: Watching.\n\nChannel 1: I'll ring her and\n\nChannel 0: Yep.\n\nChannel 1: say, I have no news.\n\nChannel 0: All good. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: All good. Well, thank you. I will let you go so you can make that phone\n\nChannel 1: Okay.\n\nChannel 0: call. Good luck today.\n\nChannel 1: No worries.\n\nChannel 0: I'm\n\nChannel 1: Thank\n\nChannel 0: very\n\nChannel 1: you.\n\nChannel 0: excited for you, and\n\nChannel 1: Thanks.\n\nChannel 0: we will get this sorted for you quickly. Okay?\n\nChannel 1: Perfect. Thank you.\n\nChannel 0: My pleasure. Thank you for taking my call, Kate. Have a good day.\n\nChannel 1: Okay. You too. Bye.\n\nChannel 0: Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.04460342973470688}],"sentiment":"neutral","sentiment_score":0.04460342973470688,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Hi, Kate.","start":1.92,"end":2.48,"sentiment":"neutral","sentiment_score":0.18796779960393906},{"text":"It's Zaina from OQ Financial.","start":2.48,"end":4.1,"sentiment":"neutral","sentiment_score":0.22901457846164702},{"text":"How are you today?","start":4.24,"end":5.22,"sentiment":"neutral","sentiment_score":0.27340080589056015}],"sentiment":"neutral","sentiment_score":0.23769197409803217,"channel":0,"num_words":11,"start":1.92,"end":5.22},{"sentences":[{"text":"I'm good.","start":5.44,"end":5.92,"sentiment":"positive","sentiment_score":0.6047611236572266},{"text":"Thank you.","start":5.92,"end":6.3999996,"sentiment":"positive","sentiment_score":0.6836570799350739},{"text":"How are 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time.","start":1172.405,"end":1173.525,"sentiment":"neutral","sentiment_score":0.2092260330915451},{"text":"Just feel free to call me if you have any problems or need any help or, you know, if there's anything that you just wanna to this fact, you just wanna have a chat.","start":1173.525,"end":1182.345,"sentiment":"neutral","sentiment_score":0.2261353604057256},{"text":"I'm here as your adviser to support you.","start":1182.885,"end":1184.82,"sentiment":"positive","sentiment_score":0.3681377060711384}],"sentiment":"neutral","sentiment_score":0.24679063899176462,"channel":0,"num_words":49,"start":1171.365,"end":1184.82},{"sentences":[{"text":"I'm more than happy to talk you through things if I can help, if I can find some information, or if there's anything I can do or refer you to someone, I will absolutely do that for 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after your super, make sure you're, you know, working towards your goals because even from here, you've still got you know, most people live in those time of years from 60 plus for ten, twenty, thirty, forty odd years.","start":1195.74,"end":1210.7949,"sentiment":"neutral","sentiment_score":0.2911927081803058},{"text":"So you still got a lot of longevity ahead of you, and we just wanna make sure we continue to update the advice and are here to help you sort you know, make sure we're looking after your goals moving forward.","start":1210.7949,"end":1222.3401,"sentiment":"neutral","sentiment_score":0.3267776613555303},{"text":"Okay?","start":1222.48,"end":1222.98,"sentiment":"neutral","sentiment_score":0.2487551271915436}],"sentiment":"neutral","sentiment_score":0.30710894974429953,"channel":0,"num_words":89,"start":1195.74,"end":1222.98},{"sentences":[{"text":"Thank 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not paying the insurance anymore, I don't know that I have to have $20 in there.","start":1395.125,"end":1401.145,"sentiment":"neutral","sentiment_score":-0.21965009636349148}],"sentiment":"neutral","sentiment_score":-0.21965009636349148,"channel":1,"num_words":18,"start":1395.125,"end":1401.145},{"sentences":[{"text":"No.","start":1402.0901,"end":1402.41,"sentiment":"neutral","sentiment_score":-0.1227412447333336},{"text":"We normally only like to keep about 10,000 in that account, and I do wanna just update the advice to reflect that.","start":1402.41,"end":1410.65,"sentiment":"neutral","sentiment_score":0.06956181471998041},{"text":"I'm also looking at your hub twenty four account, and I've done a bit of a review of the investments in there.","start":1410.65,"end":1415.87,"sentiment":"neutral","sentiment_score":0.0722852958874269},{"text":"And there are some changes we'd like to make.","start":1417.385,"end":1420.585,"sentiment":"neutral","sentiment_score":0.019982789953549702},{"text":"So one of your investments in hub twenty four at the moment is underperforming.","start":1420.585,"end":1424.205,"sentiment":"neutral","sentiment_score":-0.32220110510076794}],"sentiment":"neutral","sentiment_score":-0.019604046664693776,"channel":0,"num_words":68,"start":1402.0901,"end":1424.205},{"sentences":[{"text":"So I would like to move that investment out of there and replace it, maybe update your risk profile within Hub twenty four, reevaluate the investments within Aware as well to make sure that everything is in line with your risk capacity,","start":1425.225,"end":1439.6799,"sentiment":"neutral","sentiment_score":-0.01347507101794084}],"sentiment":"neutral","sentiment_score":-0.01347507101794084,"channel":0,"num_words":42,"start":1425.225,"end":1439.6799},{"sentences":[{"text":"Yeah.","start":1440.54,"end":1441.04,"sentiment":"neutral","sentiment_score":-0.07649210095405579}],"sentiment":"neutral","sentiment_score":-0.07649210095405579,"channel":1,"num_words":1,"start":1440.54,"end":1441.04},{"sentences":[{"text":"just to make sure you're not taking on too much risk because the markets are still quite up and down.","start":1440.7799,"end":1445.1799,"sentiment":"negative","sentiment_score":-0.355069725215435},{"text":"They are volatile.","start":1445.1799,"end":1446.1599,"sentiment":"negative","sentiment_score":-0.4623192250728607}],"sentiment":"negative","sentiment_score":-0.3690587904142297,"channel":0,"num_words":23,"start":1440.7799,"end":1446.1599},{"sentences":[{"text":"Mhmm.","start":1446.86,"end":1447.36,"sentiment":"neutral","sentiment_score":-0.13486731052398682}],"sentiment":"neutral","sentiment_score":-0.13486731052398682,"channel":1,"num_words":1,"start":1446.86,"end":1447.36},{"sentences":[{"text":"And just look at whether we need to keep a where open anymore or whether it can be closed off, but it all comes down to whether that income protection claim is viable or whether you won't be able to claim the income protection.","start":1447.5449,"end":1461.96,"sentiment":"neutral","sentiment_score":-0.13978674804622476},{"text":"So we 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alright.","start":1467.45,"end":1468.09,"sentiment":"neutral","sentiment_score":-0.07781696505844593},{"text":"I just also thought","start":1468.09,"end":1469.71,"sentiment":"neutral","sentiment_score":0.006792895495891571}],"sentiment":"neutral","sentiment_score":-0.0390948232795511,"channel":1,"num_words":7,"start":1467.21,"end":1469.71},{"sentences":[{"text":"Yeah.","start":1469.38,"end":1469.88,"sentiment":"neutral","sentiment_score":0.031080860644578937}],"sentiment":"neutral","sentiment_score":0.031080860644578937,"channel":0,"num_words":1,"start":1469.38,"end":1469.88},{"sentences":[{"text":"that with Aware,","start":1470.09,"end":1471.47,"sentiment":"neutral","sentiment_score":0.03296451518932978}],"sentiment":"neutral","sentiment_score":0.03296451518932978,"channel":1,"num_words":3,"start":1470.09,"end":1471.47},{"sentences":[{"text":"Yeah.","start":1471.54,"end":1472.04,"sentiment":"neutral","sentiment_score":0.07977285236120224},{"text":"Yep.","start":1473.025,"end":1473.525,"sentiment":"neutral","sentiment_score":0.11274795979261398}],"sentiment":"neutral","sentiment_score":0.09626040607690811,"channel":0,"num_words":2,"start":1471.54,"end":1473.525},{"sentences":[{"text":"they would accept the small payments in, whereas Hub twenty four wouldn't do 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my","start":1482.325,"end":1482.8849,"sentiment":"neutral","sentiment_score":-0.036507212556898594}],"sentiment":"neutral","sentiment_score":-0.036507212556898594,"channel":1,"num_words":2,"start":1482.325,"end":1482.8849},{"sentences":[{"text":"No.","start":1482.785,"end":1483.025,"sentiment":"neutral","sentiment_score":-0.12783238291740415}],"sentiment":"neutral","sentiment_score":-0.12783238291740415,"channel":0,"num_words":1,"start":1482.785,"end":1483.025},{"sentences":[{"text":"understanding.","start":1482.8849,"end":1483.3849,"sentiment":"neutral","sentiment_score":-0.09575402736663818}],"sentiment":"neutral","sentiment_score":-0.09575402736663818,"channel":1,"num_words":1,"start":1482.8849,"end":1483.3849},{"sentences":[{"text":"No.","start":1483.025,"end":1483.525,"sentiment":"neutral","sentiment_score":-0.12877720594406128},{"text":"Hub 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had","start":1522.13,"end":1528.9501,"sentiment":"neutral","sentiment_score":0.1839628279209137}],"sentiment":"neutral","sentiment_score":-0.0937669115987691,"channel":0,"num_words":55,"start":1510.585,"end":1528.9501},{"sentences":[{"text":"Yeah.","start":1529.4701,"end":1529.9701,"sentiment":"neutral","sentiment_score":0.05231102555990219}],"sentiment":"neutral","sentiment_score":0.05231102555990219,"channel":1,"num_words":1,"start":1529.4701,"end":1529.9701},{"sentences":[{"text":"until such time as you don't need them again.","start":1529.755,"end":1532.315,"sentiment":"neutral","sentiment_score":-0.0016998321645789677},{"text":"So it's really important that we update the advice.","start":1532.315,"end":1535.595,"sentiment":"neutral","sentiment_score":0.14949821887744796},{"text":"We reevaluate your goals and make changes to the investments as well every so often because investments, you know, that might have been good a couple of years ago might not be any you know, might need to alter or might not be any good anymore.","start":1535.595,"end":1550.17,"sentiment":"neutral","sentiment_score":-0.0300945020078317},{"text":"We might need to change them.","start":1550.17,"end":1551.53,"sentiment":"neutral","sentiment_score":-0.11284528548518817},{"text":"So I'd","start":1551.53,"end":1552.41,"sentiment":"neutral","sentiment_score":0.027355050668120384}],"sentiment":"neutral","sentiment_score":-0.009396155882212851,"channel":0,"num_words":72,"start":1529.755,"end":1552.41},{"sentences":[{"text":"Mhmm.","start":1552.23,"end":1552.73,"sentiment":"neutral","sentiment_score":0.04855911061167717}],"sentiment":"neutral","sentiment_score":0.04855911061167717,"channel":1,"num_words":1,"start":1552.23,"end":1552.73},{"sentences":[{"text":"love to go back and just reevaluate the investments, have a look at the risk level you're taking, see if we can find a better performing portfolio for you, and also look at whether we can consolidate that or whether the Aware needs to stay open for you.","start":1552.41,"end":1568.005,"sentiment":"neutral","sentiment_score":0.15640031592920423},{"text":"Are you comfortable with me doing that for you?","start":1568.005,"end":1570.4249,"sentiment":"neutral","sentiment_score":0.08655278384685516}],"sentiment":"neutral","sentiment_score":0.14537175823199122,"channel":0,"num_words":57,"start":1552.41,"end":1570.4249},{"sentences":[{"text":"Yep.","start":1571.015,"end":1571.515,"sentiment":"neutral","sentiment_score":0.10760176181793212}],"sentiment":"neutral","sentiment_score":0.10760176181793212,"channel":1,"num_words":1,"start":1571.015,"end":1571.515},{"sentences":[{"text":"Yeah.","start":1572.8,"end":1573.3,"sentiment":"neutral","sentiment_score":0.20188459753990173}],"sentiment":"neutral","sentiment_score":0.20188459753990173,"channel":0,"num_words":1,"start":1572.8,"end":1573.3},{"sentences":[{"text":"That would be 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okay.","start":1582.88,"end":1583.94,"sentiment":"neutral","sentiment_score":-0.06654245406389236},{"text":"Can I ask you with the claim for workers' compensation, when you were getting those payments put through, did they ask you what Superfund to pay your contributions to, or was that just something they worked out automatically?","start":1584.7949,"end":1597.9349,"sentiment":"neutral","sentiment_score":-0.023410143379710223}],"sentiment":"neutral","sentiment_score":-0.028740131228071886,"channel":0,"num_words":41,"start":1582.48,"end":1597.9349},{"sentences":[{"text":"They probably just paid because I was with Aware when I was working.","start":1603.885,"end":1610.35,"sentiment":"neutral","sentiment_score":-0.05466049737655199},{"text":"It 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discontinued.","start":1618.875,"end":1619.775,"sentiment":"neutral","sentiment_score":-0.07452228665351868},{"text":"Yep.","start":1620.3151,"end":1620.635,"sentiment":"neutral","sentiment_score":0.012615753337740898},{"text":"That's okay.","start":1620.635,"end":1621.4551,"sentiment":"neutral","sentiment_score":0.090989138931036},{"text":"I'll do some research to see if we can have those contributions moved into Hub to try to consolidate everything.","start":1621.8351,"end":1627.675,"sentiment":"neutral","sentiment_score":0.10230876170098782}],"sentiment":"neutral","sentiment_score":0.07874183980031656,"channel":0,"num_words":26,"start":1616.395,"end":1627.675},{"sentences":[{"text":"Because, realistically, if we can move everything from Aware into Hub 24, having everything invested in one place does give you you have more money, makes more money.","start":1627.675,"end":1639.02,"sentiment":"neutral","sentiment_score":0.28299279138445854},{"text":"So it does ultimately provide a greater benefit.","start":1639.02,"end":1642.08,"sentiment":"positive","sentiment_score":0.33736836537718773}],"sentiment":"neutral","sentiment_score":0.2950762522717317,"channel":0,"num_words":36,"start":1627.675,"end":1642.08},{"sentences":[{"text":"Yeah.","start":1642.78,"end":1643.28,"sentiment":"neutral","sentiment_score":0.05667148530483246}],"sentiment":"neutral","sentiment_score":0.05667148530483246,"channel":1,"num_words":1,"start":1642.78,"end":1643.28},{"sentences":[{"text":"But I'll do the research first.","start":1643.745,"end":1645.745,"sentiment":"neutral","sentiment_score":-0.014132764811317125},{"text":"I don't wanna do anything that's gonna impact you, and the first part of my research just needs to be around that income protection claim with Cal to see what's happening there, what we can do to help, and whether or not the claim is gonna go through or not.","start":1645.745,"end":1660.51,"sentiment":"neutral","sentiment_score":-0.023935501091182233},{"text":"And then we can look at how best to sort of structure things as well for you.","start":1661.6901,"end":1666.27,"sentiment":"neutral","sentiment_score":0.09265477056888972},{"text":"Okay?","start":1666.33,"end":1666.83,"sentiment":"neutral","sentiment_score":0.11752870678901672}],"sentiment":"neutral","sentiment_score":0.005555245446393619,"channel":0,"num_words":74,"start":1643.745,"end":1666.83},{"sentences":[{"text":"Okay.","start":1667.04,"end":1667.54,"sentiment":"neutral","sentiment_score":0.19228997826576233}],"sentiment":"neutral","sentiment_score":0.19228997826576233,"channel":1,"num_words":1,"start":1667.04,"end":1667.54},{"sentences":[{"text":"All 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organize a a bit of a withdrawal?","start":1670.365,"end":1673.485,"sentiment":"neutral","sentiment_score":0.11883736650149028},{"text":"We can do it quickly as a transaction without seeking advice, and that's just you directing us to withdraw some money as much as you need to cover any large bills, to pay the solicitors, to sort of give you some funds in the short term to support you a little bit more.","start":1673.485,"end":1691.57,"sentiment":"positive","sentiment_score":0.3612387632986285},{"text":"Did you want me to organize that as a matter of priority?","start":1691.71,"end":1694.85,"sentiment":"neutral","sentiment_score":0.1626886191467444}],"sentiment":"neutral","sentiment_score":0.2925190426312484,"channel":0,"num_words":77,"start":1670.365,"end":1694.85},{"sentences":[{"text":"Well, I will need to pay this list.","start":1697.87,"end":1699.87,"sentiment":"neutral","sentiment_score":-0.049562816275283694},{"text":"Are they gonna be hassling me 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could","start":2317.235,"end":2318.195,"sentiment":"neutral","sentiment_score":0.157062166929245}],"sentiment":"neutral","sentiment_score":0.15760948757330576,"channel":1,"num_words":18,"start":2311.81,"end":2318.195},{"sentences":[{"text":"Mhmm.","start":2318.03,"end":2318.53,"sentiment":"neutral","sentiment_score":0.12166927009820938}],"sentiment":"neutral","sentiment_score":0.12166927009820938,"channel":0,"num_words":1,"start":2318.03,"end":2318.53},{"sentences":[{"text":"pay them 2 and a half grand or something now and then just the balance when that comes through, and and I'm I'm sure they'll be okay with that.","start":2318.195,"end":2325.895,"sentiment":"neutral","sentiment_score":0.16123432049463535}],"sentiment":"neutral","sentiment_score":0.16123432049463535,"channel":1,"num_words":29,"start":2318.195,"end":2325.895},{"sentences":[{"text":"Yep.","start":2327.3901,"end":2327.8901,"sentiment":"neutral","sentiment_score":0.11848247051239014}],"sentiment":"neutral","sentiment_score":0.11848247051239014,"channel":0,"num_words":1,"start":2327.3901,"end":2327.8901},{"sentences":[{"text":"So I might, you know, scream, but I'll confirm with you.","start":2328.7551,"end":2332.73,"sentiment":"neutral","sentiment_score":0.05197081850333647},{"text":"I'll ring is Michelle working today?","start":2332.73,"end":2335.07,"sentiment":"neutral","sentiment_score":0.06590946825842063}],"sentiment":"neutral","sentiment_score":0.05689034194630735,"channel":1,"num_words":17,"start":2328.7551,"end":2335.07},{"sentences":[{"text":"She 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calling back to confirm.","start":2337.045,"end":2339.945,"sentiment":"neutral","sentiment_score":0.11371673711321571}],"sentiment":"neutral","sentiment_score":0.11371673711321571,"channel":0,"num_words":11,"start":2337.045,"end":2339.945},{"sentences":[{"text":"Yeah.","start":2340.65,"end":2341.15,"sentiment":"neutral","sentiment_score":0.15210336446762085}],"sentiment":"neutral","sentiment_score":0.15210336446762085,"channel":1,"num_words":1,"start":2340.65,"end":2341.15},{"sentences":[{"text":"But, yeah, the the fastest and easiest way to do this while we do the research around the rest of the advice is to get you some money now so you can pay down the mortgage a little bit, have a bit of a buffer there as well, and also cover the solicitor's bill is to do it as a transaction without seeking advice.","start":2341.285,"end":2360.24,"sentiment":"neutral","sentiment_score":0.22895478724967688},{"text":"We'll just get you to sign the 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bill.","start":2400.2148,"end":2406.7798,"sentiment":"neutral","sentiment_score":0.22677677207522923},{"text":"Does that sound okay?","start":2406.7798,"end":2408.16,"sentiment":"neutral","sentiment_score":0.12408610619604588}],"sentiment":"neutral","sentiment_score":0.1580767340109318,"channel":0,"num_words":79,"start":2382.61,"end":2408.16},{"sentences":[{"text":"Yeah.","start":2408.445,"end":2408.7651,"sentiment":"neutral","sentiment_score":0.22064879536628723},{"text":"That sounds good.","start":2408.7651,"end":2409.905,"sentiment":"positive","sentiment_score":0.44714821378389996}],"sentiment":"positive","sentiment_score":0.39052335917949677,"channel":1,"num_words":4,"start":2408.445,"end":2409.905},{"sentences":[{"text":"Yep.","start":2410.38,"end":2410.88,"sentiment":"neutral","sentiment_score":0.26056772470474243},{"text":"That way they're not ringing you and going, hey.","start":2411.0999,"end":2413.3398,"sentiment":"neutral","sentiment_score":0.13228455930948257},{"text":"You 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account, and then I can send that on 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have to pay that money into your bank account, and then you can have that transferred across to to the solicitor's 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do up a TWA for withdrawal.","start":2438.7002,"end":2441.1802,"sentiment":"neutral","sentiment_score":0.14282004960945674},{"text":"We want 50,000.","start":2441.1802,"end":2442.3801,"sentiment":"neutral","sentiment_score":0.10916115343570709},{"text":"Is that right?","start":2442.3801,"end":2443.28,"sentiment":"neutral","sentiment_score":0.11761962870756786}],"sentiment":"neutral","sentiment_score":0.1292371302843094,"channel":0,"num_words":13,"start":2438.7002,"end":2443.28},{"sentences":[{"text":"Yes, please.","start":2443.655,"end":2444.475,"sentiment":"neutral","sentiment_score":0.15619220584630966}],"sentiment":"neutral","sentiment_score":0.15619220584630966,"channel":1,"num_words":2,"start":2443.655,"end":2444.475},{"sentences":[{"text":"Yep.","start":2445.4202,"end":2445.9001,"sentiment":"neutral","sentiment_score":0.2446712851524353},{"text":"From Aware Super 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able to send us a copy of your just a bank statement that shows the BSB, the account, and your name?","start":2468.9202,"end":2476.62,"sentiment":"neutral","sentiment_score":0.008425338698240617}],"sentiment":"neutral","sentiment_score":0.018350328584866866,"channel":0,"num_words":49,"start":2458.0452,"end":2476.62},{"sentences":[{"text":"Yeah.","start":2479.4502,"end":2479.9502,"sentiment":"neutral","sentiment_score":0.014826560392975807},{"text":"Yeah.","start":2480.1702,"end":2480.57,"sentiment":"neutral","sentiment_score":0.01095667015761137},{"text":"I can probably get that I could get that online with a screenshot of it work or not.","start":2480.57,"end":2488.4102,"sentiment":"neutral","sentiment_score":0.007357068359851837},{"text":"That's who needs to be the 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phone,","start":2499.73,"end":2504.55,"sentiment":"neutral","sentiment_score":0.05481108939275146}],"sentiment":"neutral","sentiment_score":0.014797385667963904,"channel":0,"num_words":49,"start":2489.9949,"end":2504.55},{"sentences":[{"text":"Okay.","start":2505.125,"end":2505.625,"sentiment":"neutral","sentiment_score":0.04696910083293915}],"sentiment":"neutral","sentiment_score":0.04696910083293915,"channel":1,"num_words":1,"start":2505.125,"end":2505.625},{"sentences":[{"text":"but I just wanna check Aware's rules for you to make it as easy as 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Clarisse.","start":2543.5652,"end":2546.385,"sentiment":"neutral","sentiment_score":-0.0042246820604694745},{"text":"No.","start":2547.5652,"end":2547.8052,"sentiment":"neutral","sentiment_score":-0.1241522580385208},{"text":"Sorry.","start":2547.8052,"end":2548.0452,"sentiment":"neutral","sentiment_score":-0.16544902324676514}],"sentiment":"neutral","sentiment_score":-0.024623996156151406,"channel":0,"num_words":16,"start":2538.93,"end":2548.0452},{"sentences":[{"text":"It's hardship claims.","start":2548.0452,"end":2549.345,"sentiment":"neutral","sentiment_score":-0.18978154162565866},{"text":"For a lump sum withdrawal or changing payment details, you must provide the following, your member number and account, BSB, and proof of identity.","start":2550.845,"end":2560.2202,"sentiment":"neutral","sentiment_score":-0.04605776828248054},{"text":"Okay.","start":2560.36,"end":2560.86,"sentiment":"neutral","sentiment_score":0.014716511592268944},{"text":"So Certificate driver's 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you'll be calling yeah.","start":3756.23,"end":3758.3901,"sentiment":"neutral","sentiment_score":0.06048174053430557},{"text":"I'll let Michelle know that you'll be calling back in","start":3758.3901,"end":3760.8901,"sentiment":"neutral","sentiment_score":0.06057540364563465}],"sentiment":"neutral","sentiment_score":0.06054418260852496,"channel":0,"num_words":15,"start":3756.23,"end":3760.8901},{"sentences":[{"text":"Yeah.","start":3761.2302,"end":3761.7302,"sentiment":"neutral","sentiment_score":0.03314068913459778}],"sentiment":"neutral","sentiment_score":0.03314068913459778,"channel":1,"num_words":1,"start":3761.2302,"end":3761.7302},{"sentences":[{"text":"and that we need to get the withdraw form from Aware organized as a matter of 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to let you know I'm gonna also get Michelle to send out some annual review docs to you","start":3778.765,"end":3784.25,"sentiment":"neutral","sentiment_score":0.1947793425484137}],"sentiment":"neutral","sentiment_score":0.22065318350134225,"channel":0,"num_words":29,"start":3776.285,"end":3784.25},{"sentences":[{"text":"Yes.","start":3784.67,"end":3785.17,"sentiment":"neutral","sentiment_score":0.16327416896820068}],"sentiment":"neutral","sentiment_score":0.16327416896820068,"channel":1,"num_words":1,"start":3784.67,"end":3785.17},{"sentences":[{"text":"just to continue with our services for the next twelve months.","start":3784.8699,"end":3787.5898,"sentiment":"neutral","sentiment_score":0.17086999931118704},{"text":"We just get you to sign and return those back to us.","start":3787.5898,"end":3790.41,"sentiment":"neutral","sentiment_score":0.24131870766480765}],"sentiment":"neutral","sentiment_score":0.20762584714785867,"channel":0,"num_words":23,"start":3784.8699,"end":3790.41},{"sentences":[{"text":"Okay.","start":3790.8298,"end":3791.3298,"sentiment":"neutral","sentiment_score":0.07800163328647614}],"sentiment":"neutral","sentiment_score":0.07800163328647614,"channel":1,"num_words":1,"start":3790.8298,"end":3791.3298},{"sentences":[{"text":"I know we would have gone through, obviously, our ongoing service fee each year with you as part of your annual review, but do you understand how our services work, how our ongoing service fee works, and, you know, what you're sort of paying for with regard to 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you.","start":3812.47,"end":3814.1501,"sentiment":"positive","sentiment_score":0.38243018463253975},{"text":"It's honestly fine.","start":3814.1501,"end":3815.37,"sentiment":"positive","sentiment_score":0.45955462257067364},{"text":"With our ongoing service agreement, we do charge an ongoing service fee of 1.65%.","start":3815.99,"end":3821.77,"sentiment":"neutral","sentiment_score":0.21062224358320236}],"sentiment":"neutral","sentiment_score":0.28480514724339756,"channel":0,"num_words":28,"start":3811.43,"end":3821.77},{"sentences":[{"text":"That is deducted from super.","start":3821.9102,"end":3823.605,"sentiment":"neutral","sentiment_score":0.2105591744184494},{"text":"So you don't pay for that out of your back pocket in any way.","start":3823.605,"end":3826.5051,"sentiment":"neutral","sentiment_score":0.12277397300515856}],"sentiment":"neutral","sentiment_score":0.14587534179812983,"channel":0,"num_words":19,"start":3821.9102,"end":3826.5051},{"sentences":[{"text":"Yep.","start":3827.165,"end":3827.665,"sentiment":"neutral","sentiment_score":0.17030565440654755}],"sentiment":"neutral","sentiment_score":0.17030565440654755,"channel":1,"num_words":1,"start":3827.165,"end":3827.665},{"sentences":[{"text":"On a monthly basis, it's a smaller percentage.","start":3827.365,"end":3830.025,"sentiment":"neutral","sentiment_score":0.12371782399713993},{"text":"So the 1.65% fluctuates with the market.","start":3830.165,"end":3833.605,"sentiment":"neutral","sentiment_score":0.14139258861541748},{"text":"Our fee is linked to the performance of the market and your super.","start":3833.605,"end":3836.905,"sentiment":"neutral","sentiment_score":0.23027209249826577},{"text":"And, yeah, you just pay that on a monthly basis, 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how it's been going as well.","start":3863.85,"end":3869.1501,"sentiment":"neutral","sentiment_score":0.2687771074473858},{"text":"So sorry.","start":3869.4502,"end":3870.11,"sentiment":"neutral","sentiment_score":-0.07900774106383324}],"sentiment":"neutral","sentiment_score":0.23716030303727498,"channel":0,"num_words":22,"start":3863.85,"end":3870.11},{"sentences":[{"text":"Yeah.","start":3869.72,"end":3870.22,"sentiment":"neutral","sentiment_score":-0.07876481115818024}],"sentiment":"neutral","sentiment_score":-0.07876481115818024,"channel":1,"num_words":1,"start":3869.72,"end":3870.22},{"sentences":[{"text":"One of the things that they kinda mentioned, one of your investments has been underperforming a little bit.","start":3871.6902,"end":3876.1702,"sentiment":"neutral","sentiment_score":-0.2745584746201833},{"text":"So I do wanna kind of remove that out and update your portfolio.","start":3876.1702,"end":3879.6448,"sentiment":"neutral","sentiment_score":-0.23143373429775238},{"text":"So I'll go back and research some investment options to make sure things continue to work harder for you.","start":3879.9448,"end":3886.2048,"sentiment":"neutral","sentiment_score":-0.0938639162402404},{"text":"But","start":3886.7449,"end":3887.2449,"sentiment":"neutral","sentiment_score":-0.02744922786951065}],"sentiment":"neutral","sentiment_score":-0.19140303383270899,"channel":0,"num_words":51,"start":3871.6902,"end":3887.2449},{"sentences":[{"text":"Mhmm.","start":3887.2449,"end":3887.7449,"sentiment":"neutral","sentiment_score":0.026348210871219635}],"sentiment":"neutral","sentiment_score":0.026348210871219635,"channel":1,"num_words":1,"start":3887.2449,"end":3887.7449},{"sentences":[{"text":"over the course of the last year, your portfolio has still made a 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gonna","start":3956.12,"end":3957.0,"sentiment":"neutral","sentiment_score":-0.042101687441269554}],"sentiment":"neutral","sentiment_score":-0.05254588695243001,"channel":0,"num_words":27,"start":3946.575,"end":3957.0},{"sentences":[{"text":"Okay.","start":3956.54,"end":3957.04,"sentiment":"neutral","sentiment_score":-0.05792253836989403}],"sentiment":"neutral","sentiment_score":-0.05792253836989403,"channel":1,"num_words":1,"start":3956.54,"end":3957.04},{"sentences":[{"text":"remove that investment out and replace that with something that's performing a little bit better.","start":3957.0,"end":3961.6602,"sentiment":"neutral","sentiment_score":-0.08012014478445054}],"sentiment":"neutral","sentiment_score":-0.08012014478445054,"channel":0,"num_words":15,"start":3957.0,"end":3961.6602},{"sentences":[{"text":"Okay.","start":3962.06,"end":3962.56,"sentiment":"neutral","sentiment_score":-0.004696894437074661}],"sentiment":"neutral","sentiment_score":-0.004696894437074661,"channel":1,"num_words":1,"start":3962.06,"end":3962.56},{"sentences":[{"text":"We just wanna make sure that you're not don't have underperforming investments and that things are working harder.","start":3962.2,"end":3967.42,"sentiment":"neutral","sentiment_score":-0.06542153211517467},{"text":"I can also just reevaluate the whole portfolio.","start":3967.96,"end":3970.7852,"sentiment":"neutral","sentiment_score":-0.0010230187326669693},{"text":"Just make sure that you're invested correctly, maybe rebalanced if you're taking a bit too much risk in the market, and also just make sure that everything's working harder for you.","start":3971.0051,"end":3981.725,"sentiment":"neutral","sentiment_score":-0.028222024778745348},{"text":"Okay?","start":3981.725,"end":3982.225,"sentiment":"neutral","sentiment_score":0.06450656801462173}],"sentiment":"neutral","sentiment_score":-0.034416343587257994,"channel":0,"num_words":58,"start":3962.2,"end":3982.225},{"sentences":[{"text":"Perfect.","start":3982.1702,"end":3982.6702,"sentiment":"positive","sentiment_score":0.38232555985450745},{"text":"Thank you so much.","start":3982.81,"end":3984.03,"sentiment":"positive","sentiment_score":0.44666536897420883}],"sentiment":"positive","sentiment_score":0.43379740715026854,"channel":1,"num_words":5,"start":3982.1702,"end":3984.03},{"sentences":[{"text":"That's okay.","start":3985.17,"end":3986.07,"sentiment":"neutral","sentiment_score":0.19509929418563843},{"text":"Now the other thing I just have to sort of talk to you about is the way you are invested.","start":3986.29,"end":3990.15,"sentiment":"neutral","sentiment_score":0.012956922221928836},{"text":"So in that growth portfolio, you normally see about 80% of your super invested in growth assets.","start":3990.21,"end":3997.01,"sentiment":"neutral","sentiment_score":0.023493674748084125},{"text":"So thinking things like Australian shares, international shares, and also listed property, and also commodities.","start":3997.01,"end":4003.545,"sentiment":"neutral","sentiment_score":0.03760997826854388},{"text":"There's some gold and silver in there as well for you.","start":4003.545,"end":4006.285,"sentiment":"neutral","sentiment_score":0.07988123561848294}],"sentiment":"neutral","sentiment_score":0.03833188875936545,"channel":0,"num_words":65,"start":3985.17,"end":4006.285},{"sentences":[{"text":"Mhmm.","start":4006.615,"end":4007.115,"sentiment":"neutral","sentiment_score":-0.02941034734249115}],"sentiment":"neutral","sentiment_score":-0.02941034734249115,"channel":1,"num_words":1,"start":4006.615,"end":4007.115},{"sentences":[{"text":"That sort of a portfolio does suit someone who is able to stay invested without accessing their money over the next six years.","start":4007.385,"end":4015.8,"sentiment":"neutral","sentiment_score":-0.09184534037890642},{"text":"And because you do see 80% in those high growth or high risk investments, like shares and things, we can expect a negative or a big dip sort of one in every five years.","start":4016.6602,"end":4027.985,"sentiment":"neutral","sentiment_score":-0.09821355605826658},{"text":"Did you want me to maybe look at reducing some of the risk level for you, or are you comfortable staying where you are at the moment?","start":4028.445,"end":4035.265,"sentiment":"neutral","sentiment_score":-0.10052220716520592}],"sentiment":"neutral","sentiment_score":-0.09721194438281514,"channel":0,"num_words":84,"start":4007.385,"end":4035.265},{"sentences":[{"text":"Yeah.","start":4042.5798,"end":4042.8198,"sentiment":"neutral","sentiment_score":-0.016836078837513924},{"text":"Maybe let's reduce some of the risk.","start":4042.8198,"end":4045.0,"sentiment":"neutral","sentiment_score":-0.03488529846072197}],"sentiment":"neutral","sentiment_score":-0.032629146007820964,"channel":1,"num_words":8,"start":4042.5798,"end":4045.0},{"sentences":[{"text":"Yep.","start":4046.38,"end":4046.78,"sentiment":"neutral","sentiment_score":0.04367493838071823},{"text":"Yep.","start":4046.78,"end":4047.26,"sentiment":"neutral","sentiment_score":0.052699051797389984},{"text":"That's okay.","start":4047.26,"end":4048.16,"sentiment":"neutral","sentiment_score":0.1150594912469387},{"text":"I just wanna do a quick questionnaire just to see where you might sit on that risk scope there.","start":4048.22,"end":4054.32,"sentiment":"neutral","sentiment_score":0.031730681461723226}],"sentiment":"neutral","sentiment_score":0.04040764871498813,"channel":0,"num_words":23,"start":4046.38,"end":4054.32},{"sentences":[{"text":"Mhmm.","start":4054.9949,"end":4055.4949,"sentiment":"neutral","sentiment_score":0.01151553075760603}],"sentiment":"neutral","sentiment_score":0.01151553075760603,"channel":1,"num_words":1,"start":4054.9949,"end":4055.4949},{"sentences":[{"text":"Now you do earn some individual shares.","start":4055.2852,"end":4057.2852,"sentiment":"neutral","sentiment_score":0.039066490318093984},{"text":"They are in a trust there, but you have invested, so I can tick that box.","start":4057.2852,"end":4061.865,"sentiment":"neutral","sentiment_score":0.0547659897711128},{"text":"And when we're looking at your time horizon, so if we're saying around about age 67 is your time horizon now, it's realistically giving you about a six year time horizon.","start":4063.2852,"end":4075.36,"sentiment":"neutral","sentiment_score":0.02882798328515022},{"text":"So we're kind of right on that cost there.","start":4075.4202,"end":4077.74,"sentiment":"neutral","sentiment_score":0.039528146386146545},{"text":"So I'll 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scale?","start":4097.73,"end":4100.63,"sentiment":"neutral","sentiment_score":0.007412286136638035},{"text":"Picking a number between one and five, what would you sort of how do you think you","start":4100.69,"end":4104.4497,"sentiment":"neutral","sentiment_score":-0.00559319495497381}],"sentiment":"neutral","sentiment_score":-0.003083828144480248,"channel":0,"num_words":74,"start":4078.4602,"end":4104.4497},{"sentences":[{"text":"Probably","start":4104.41,"end":4104.91,"sentiment":"neutral","sentiment_score":-0.004457301460206509}],"sentiment":"neutral","sentiment_score":-0.004457301460206509,"channel":1,"num_words":1,"start":4104.41,"end":4104.91},{"sentences":[{"text":"might fit?","start":4104.4497,"end":4105.27,"sentiment":"neutral","sentiment_score":-0.0036536422558128834}],"sentiment":"neutral","sentiment_score":-0.0036536422558128834,"channel":0,"num_words":2,"start":4104.4497,"end":4105.27},{"sentences":[{"text":"a three.","start":4105.5303,"end":4106.2803,"sentiment":"neutral","sentiment_score":0.006919580278918147}],"sentiment":"neutral","sentiment_score":0.006919580278918147,"channel":1,"num_words":2,"start":4105.5303,"end":4106.2803},{"sentences":[{"text":"Yep.","start":4107.705,"end":4108.205,"sentiment":"neutral","sentiment_score":0.12141700834035872},{"text":"Perfect.","start":4108.665,"end":4109.165,"sentiment":"positive","sentiment_score":0.5501447916030884},{"text":"Beautiful.","start":4110.3447,"end":4110.8447,"sentiment":"positive","sentiment_score":0.58197021484375},{"text":"And if you saw your investment fall in value, do you think you might wanna put more money in?","start":4111.465,"end":4117.2246,"sentiment":"neutral","sentiment_score":-0.038327643549756},{"text":"It could be a buying 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also organize my team to get the authority for TAL, and we'll do some research with them on the claim to income protection to see what's happening, where it's at.","start":4266.38,"end":4277.655,"sentiment":"neutral","sentiment_score":0.1577003514394164}],"sentiment":"neutral","sentiment_score":0.22741852418796435,"channel":0,"num_words":74,"start":4252.465,"end":4277.655},{"sentences":[{"text":"As I said, it'll take a couple of weeks to do that.","start":4278.515,"end":4280.755,"sentiment":"neutral","sentiment_score":0.08689750296374162},{"text":"So for the time being, we'll get that withdrawal sorted for you for the 50,000 so you can 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that you maybe wanted to bring up with me?","start":4293.85,"end":4299.29,"sentiment":"neutral","sentiment_score":0.06138083143603234},{"text":"Or","start":4299.29,"end":4299.79,"sentiment":"neutral","sentiment_score":-0.013582658022642136}],"sentiment":"neutral","sentiment_score":0.10047046250353257,"channel":0,"num_words":24,"start":4291.69,"end":4299.79},{"sentences":[{"text":"No.","start":4301.34,"end":4301.66,"sentiment":"neutral","sentiment_score":-0.12015713006258012},{"text":"I think I think we've covered everything I was looking 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that.","start":4316.99,"end":4319.1504,"sentiment":"positive","sentiment_score":0.43142952190505135},{"text":"So you do have my email there as well, Kate.","start":4319.1504,"end":4321.71,"sentiment":"neutral","sentiment_score":0.17030809950083495},{"text":"So if there's anything that you find you might want to bring up or any additional questions, you're welcome to email me or call myself and Michelle, and we will take time to answer those with you.","start":4321.71,"end":4332.355,"sentiment":"neutral","sentiment_score":0.20604285114520304}],"sentiment":"neutral","sentiment_score":0.23588450329511293,"channel":0,"num_words":56,"start":4316.99,"end":4332.355},{"sentences":[{"text":"Beautiful.","start":4332.85,"end":4333.35,"sentiment":"positive","sentiment_score":0.715788722038269},{"text":"Alright.","start":4333.49,"end":4333.97,"sentiment":"positive","sentiment_score":0.6220722198486328},{"text":"Wonderful.","start":4333.97,"end":4334.47,"sentiment":"positive","sentiment_score":0.8182976245880127},{"text":"Thank you so much.","start":4334.85,"end":4336.035,"sentiment":"positive","sentiment_score":0.8082810044288635}],"sentiment":"positive","sentiment_score":0.7698975120271955,"channel":1,"num_words":7,"start":4332.85,"end":4336.035},{"sentences":[{"text":"Okay?","start":4335.935,"end":4336.435,"sentiment":"positive","sentiment_score":0.4339357614517212},{"text":"Oh, my pleasure.","start":4336.8154,"end":4338.015,"sentiment":"positive","sentiment_score":0.5641489426294962},{"text":"Thank you so much for your time.","start":4338.015,"end":4339.535,"sentiment":"positive","sentiment_score":0.7003557085990906},{"text":"Have you had any word on this?","start":4339.535,"end":4341.2954,"sentiment":"neutral","sentiment_score":0.09183080600840705},{"text":"I haven't had the phone go off.","start":4341.2954,"end":4342.575,"sentiment":"neutral","sentiment_score":-0.1715143769979477}],"sentiment":"neutral","sentiment_score":0.25884350210428236,"channel":0,"num_words":25,"start":4335.935,"end":4342.575},{"sentences":[{"text":"No.","start":4342.515,"end":4343.015,"sentiment":"neutral","sentiment_score":-0.14535419642925262}],"sentiment":"neutral","sentiment_score":-0.14535419642925262,"channel":1,"num_words":1,"start":4342.515,"end":4343.015},{"sentences":[{"text":"Any word on where your","start":4342.575,"end":4343.535,"sentiment":"neutral","sentiment_score":-0.12061132341623307}],"sentiment":"neutral","sentiment_score":-0.12061132341623307,"channel":0,"num_words":5,"start":4342.575,"end":4343.535},{"sentences":[{"text":"Nothing.","start":4343.475,"end":4343.975,"sentiment":"neutral","sentiment_score":-0.1170189529657364}],"sentiment":"neutral","sentiment_score":-0.1170189529657364,"channel":1,"num_words":1,"start":4343.475,"end":4343.975},{"sentences":[{"text":"grandbaby is?","start":4343.535,"end":4344.6553,"sentiment":"neutral","sentiment_score":-0.10135699063539505}],"sentiment":"neutral","sentiment_score":-0.10135699063539505,"channel":0,"num_words":2,"start":4343.535,"end":4344.6553},{"sentences":[{"text":"No.","start":4344.595,"end":4344.995,"sentiment":"neutral","sentiment_score":-0.11554519832134248}],"sentiment":"neutral","sentiment_score":-0.11554519832134248,"channel":1,"num_words":1,"start":4344.595,"end":4344.995},{"sentences":[{"text":"Nothing?","start":4344.6553,"end":4345.1553,"sentiment":"neutral","sentiment_score":-0.09411495923995972}],"sentiment":"neutral","sentiment_score":-0.09411495923995972,"channel":0,"num_words":1,"start":4344.6553,"end":4345.1553},{"sentences":[{"text":"But I've missed a few phone calls from mom who's probably sitting there anxiously waiting too.","start":4344.995,"end":4350.7554,"sentiment":"neutral","sentiment_score":-0.09542015846818686},{"text":"So","start":4350.7554,"end":4351.2554,"sentiment":"neutral","sentiment_score":0.001798786222934723}],"sentiment":"neutral","sentiment_score":-0.08970139701576794,"channel":1,"num_words":17,"start":4344.995,"end":4351.2554},{"sentences":[{"text":"Watching.","start":4351.57,"end":4352.07,"sentiment":"neutral","sentiment_score":-0.01564848981797695}],"sentiment":"neutral","sentiment_score":-0.01564848981797695,"channel":0,"num_words":1,"start":4351.57,"end":4352.07},{"sentences":[{"text":"I'll ring her and","start":4352.09,"end":4352.9697,"sentiment":"neutral","sentiment_score":-0.01678432384505868}],"sentiment":"neutral","sentiment_score":-0.01678432384505868,"channel":1,"num_words":4,"start":4352.09,"end":4352.9697},{"sentences":[{"text":"Yep.","start":4352.77,"end":4353.27,"sentiment":"neutral","sentiment_score":-0.03879449889063835}],"sentiment":"neutral","sentiment_score":-0.03879449889063835,"channel":0,"num_words":1,"start":4352.77,"end":4353.27},{"sentences":[{"text":"say, I have no news.","start":4352.9697,"end":4354.19,"sentiment":"neutral","sentiment_score":-0.16952187567949295}],"sentiment":"neutral","sentiment_score":-0.16952187567949295,"channel":1,"num_words":5,"start":4352.9697,"end":4354.19},{"sentences":[{"text":"All good.","start":4353.73,"end":4354.55,"sentiment":"neutral","sentiment_score":0.073917455971241},{"text":"Yeah.","start":4355.89,"end":4356.39,"sentiment":"neutral","sentiment_score":0.0982946753501892}],"sentiment":"neutral","sentiment_score":0.08204319576422374,"channel":0,"num_words":3,"start":4353.73,"end":4356.39},{"sentences":[{"text":"Yeah.","start":4356.01,"end":4356.51,"sentiment":"neutral","sentiment_score":0.1770261824131012}],"sentiment":"neutral","sentiment_score":0.1770261824131012,"channel":1,"num_words":1,"start":4356.01,"end":4356.51},{"sentences":[{"text":"All good.","start":4356.4497,"end":4357.09,"sentiment":"neutral","sentiment_score":0.28396524488925934},{"text":"Well, thank you.","start":4357.09,"end":4357.81,"sentiment":"positive","sentiment_score":0.46870354811350506},{"text":"I will let you go so you can make that phone","start":4357.81,"end":4360.13,"sentiment":"neutral","sentiment_score":0.2069277140227231}],"sentiment":"neutral","sentiment_score":0.26564037427306175,"channel":0,"num_words":16,"start":4356.4497,"end":4360.13},{"sentences":[{"text":"Okay.","start":4359.8496,"end":4360.3496,"sentiment":"neutral","sentiment_score":0.09137047827243804}],"sentiment":"neutral","sentiment_score":0.09137047827243804,"channel":1,"num_words":1,"start":4359.8496,"end":4360.3496},{"sentences":[{"text":"call.","start":4360.13,"end":4360.61,"sentiment":"neutral","sentiment_score":0.1355997920036316},{"text":"Good luck today.","start":4360.61,"end":4361.835,"sentiment":"positive","sentiment_score":0.46080548564593}],"sentiment":"positive","sentiment_score":0.3795040622353554,"channel":0,"num_words":4,"start":4360.13,"end":4361.835},{"sentences":[{"text":"No worries.","start":4361.3696,"end":4362.11,"sentiment":"neutral","sentiment_score":0.25594837218523026}],"sentiment":"neutral","sentiment_score":0.25594837218523026,"channel":1,"num_words":2,"start":4361.3696,"end":4362.11},{"sentences":[{"text":"I'm","start":4361.9746,"end":4362.215,"sentiment":"neutral","sentiment_score":0.2876054048538208}],"sentiment":"neutral","sentiment_score":0.2876054048538208,"channel":0,"num_words":1,"start":4361.9746,"end":4362.215},{"sentences":[{"text":"Thank","start":4362.17,"end":4362.4897,"sentiment":"positive","sentiment_score":0.5808694958686829}],"sentiment":"positive","sentiment_score":0.5808694958686829,"channel":1,"num_words":1,"start":4362.17,"end":4362.4897},{"sentences":[{"text":"very","start":4362.215,"end":4362.5347,"sentiment":"positive","sentiment_score":0.739795446395874}],"sentiment":"positive","sentiment_score":0.739795446395874,"channel":0,"num_words":1,"start":4362.215,"end":4362.5347},{"sentences":[{"text":"you.","start":4362.4897,"end":4362.9897,"sentiment":"positive","sentiment_score":0.6235395669937134}],"sentiment":"positive","sentiment_score":0.6235395669937134,"channel":1,"num_words":1,"start":4362.4897,"end":4362.9897},{"sentences":[{"text":"excited for you, and","start":4362.5347,"end":4363.9746,"sentiment":"positive","sentiment_score":0.6950464844703674}],"sentiment":"positive","sentiment_score":0.6950464844703674,"channel":0,"num_words":4,"start":4362.5347,"end":4363.9746},{"sentences":[{"text":"Thanks.","start":4363.8496,"end":4364.3496,"sentiment":"positive","sentiment_score":0.6639915704727173}],"sentiment":"positive","sentiment_score":0.6639915704727173,"channel":1,"num_words":1,"start":4363.8496,"end":4364.3496},{"sentences":[{"text":"we will get this sorted for you quickly.","start":4363.9746,"end":4366.315,"sentiment":"positive","sentiment_score":0.623780120164156},{"text":"Okay?","start":4366.4546,"end":4366.9546,"sentiment":"neutral","sentiment_score":0.2892439067363739}],"sentiment":"positive","sentiment_score":0.5866094297832913,"channel":0,"num_words":9,"start":4363.9746,"end":4366.9546},{"sentences":[{"text":"Perfect.","start":4366.855,"end":4367.355,"sentiment":"positive","sentiment_score":0.7447555065155029},{"text":"Thank you.","start":4367.575,"end":4368.315,"sentiment":"positive","sentiment_score":0.7445603013038635}],"sentiment":"positive","sentiment_score":0.7446253697077433,"channel":1,"num_words":3,"start":4366.855,"end":4368.315},{"sentences":[{"text":"My pleasure.","start":4369.735,"end":4370.4546,"sentiment":"positive","sentiment_score":0.7914082705974579},{"text":"Thank you for taking my call, Kate.","start":4370.4546,"end":4372.215,"sentiment":"positive","sentiment_score":0.8043990816388812},{"text":"Have a good day.","start":4372.215,"end":4373.195,"sentiment":"positive","sentiment_score":0.6977463513612747}],"sentiment":"positive","sentiment_score":0.769584270624014,"channel":0,"num_words":13,"start":4369.735,"end":4373.195},{"sentences":[{"text":"Okay.","start":4373.015,"end":4373.415,"sentiment":"positive","sentiment_score":0.3575291633605957},{"text":"You too.","start":4373.415,"end":4373.975,"sentiment":"positive","sentiment_score":0.37994644045829773},{"text":"Bye.","start":4373.975,"end":4374.475,"sentiment":"neutral","sentiment_score":0.31777223944664}],"sentiment":"positive","sentiment_score":0.3587985709309578,"channel":1,"num_words":4,"start":4373.015,"end":4374.475},{"sentences":[{"text":"Thanks.","start":4375.335,"end":4375.815,"sentiment":"positive","sentiment_score":0.5933343172073364},{"text":"See you later.","start":4375.815,"end":4376.5547,"sentiment":"neutral","sentiment_score":0.28063131123781204}],"sentiment":"positive","sentiment_score":0.35880706273019314,"channel":0,"num_words":4,"start":4375.335,"end":4376.5547}]},"summary":{"result":"success","short":"K gearing representative from OQ Financial called Kate to follow up on her TBD claim and discuss her first grandchild. They also discussed the possibility of getting funds and advice for a payout on a worker's compensation claim. The agent suggested withdrawing money from Kate's account and updating her risk profile, and provided information on the process of transferring money to the solicitor's account and updating their risk profile. The agent also discussed reducing risk levels and staying in a growth portfolio, and mentioned the ongoing service agreement and annual review documents. They will update Kate's portfolio and retirement plans, and will provide updates on her income protection and retirement plans."},"intents":{"segments":[{"text":"I had you booked in for a bit of a a quick catch up today in relation to your TBD claim and helping you out with that at the moment.","start_word":27,"end_word":56,"intents":[{"intent":"Review and assist with tbd claim","confidence_score":0.012618067}]},{"text":"And now just for security, I'm about to discuss your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start_word":392,"end_word":424,"intents":[{"intent":"Confirm personal information","confidence_score":0.009029494},{"intent":"Discuss personal information","confidence_score":0.19872554}]},{"text":"Thank you so much for that. Now I can see so I did actually get through to Aware. Thank you for doing the TCA for us and having all that on file. I spoke to them last night. Was able to get some full research completed there. I can see your current balance there. I can also see with your workers' compensation claim, you are also receiving contributions if you're aware, which is fantastic. Mhmm. Yeah.","start_word":440,"end_word":515,"intents":[{"intent":"Report progress","confidence_score":0.00003295367}]},{"text":"Was able to get some full research completed there. I can see your current balance there. I can also see with your workers' compensation claim, you are also receiving contributions if you're aware, which is fantastic. Mhmm. Yeah.","start_word":478,"end_word":515,"intents":[{"intent":"Discuss research","confidence_score":0.029731313}]},{"text":"you had any kind of update with the compensation lawyers and where this might be going? Will you be staying on this, or have they sort of mentioned anything about a payout?","start_word":567,"end_word":598,"intents":[{"intent":"Update compensation lawyers","confidence_score":0.4014898}]},{"text":"I have to monitor my diet and how I manage that because I lost Yeah.","start_word":1018,"end_word":1032,"intents":[{"intent":"Monitor diet","confidence_score":0.78911364}]},{"text":"Well, thank you very much for opening up. I really do appreciate you giving that information. It can be very difficult to sort of relive some of those things. I really appreciate it. I never want you to feel like you get you have to give me more than you're comfortable doing, but just to make sure that I'm working harder for you and make sure that I have as much information as possible.","start_word":1101,"end_word":1174,"intents":[{"intent":"Obtain information","confidence_score":0.0014025624}]},{"text":"With your contribution still going into I'm not a 100% sure whether they will continue. Do you have they mentioned or are you aware if the employer's contributions will continue through to eight sixty seven into your Aware Super, or is that supposed to stop? No.","start_word":1269,"end_word":1314,"intents":[{"intent":"Continue employer's contributions","confidence_score":0.004417665}]},{"text":"That's supposed to continue while I'm Continue. still getting payments.","start_word":1315,"end_word":1324,"intents":[{"intent":"Continue payments","confidence_score":0.06797431}]},{"text":"What I'm trying to Mhmm. do is I've still got a mortgage on my house, Yep. and I'm thinking if I can use some of that money for that as well to just Mhmm. reduce the mortgage and make, you know, make my life a bit easier. Yeah. Absolutely.","start_word":1811,"end_word":1859,"intents":[{"intent":"Reducing mortgage debt","confidence_score":0.019426}]},{"text":"Well, what we can look at doing to help you out is I can update your advice document. We can look at we'll probably have to retain the the two accounts, the Aware and the Hub 24 at the moment because you are getting your contributions into the Aware super.","start_word":1948,"end_word":1997,"intents":[{"intent":"Restoring accounts","confidence_score":0.12589116},{"intent":"Retentioning contributions","confidence_score":0.0028675091}]},{"text":"So we will get the authority. I'll get my my claims department to sort of help us with this one. We'll get the admin team to send an authority. I've got the contact details with Taos, so we'll give them a call and get the authority that needs to be signed. Mhmm.","start_word":2066,"end_word":2117,"intents":[{"intent":"Amending contact details","confidence_score":5.8185344e-7},{"intent":"Sending authority","confidence_score":0.13411354}]},{"text":"And we can find out a bit more detail about when the claim was submitted, whether it's still ongoing, what's happening with it, what they're waiting on, and how that looks.","start_word":2133,"end_word":2163,"intents":[{"intent":"Confirm claim status","confidence_score":0.0014025866}]},{"text":"much you're receiving income wise from workers' compensation?","start_word":2215,"end_word":2222,"intents":[{"intent":"Determine amount of income","confidence_score":0.012562486}]},{"text":"Because if you are with income protection, you can't normally claim more than 70% of your, pre disability income. So if you are on the workers' compensation and you're getting more than, that 70%, then the income protection claim won't pay, because your workers' compensation is seen as income, essentially. So there is a chance that the income protection claim may not may not be the way forward, that it may be Yeah.","start_word":2225,"end_word":2297,"intents":[{"intent":"Determine eligibility for claim","confidence_score":0.06321005}]},{"text":"Are you finding that you've got enough to live on, or do you need anything additional in to support that?","start_word":2417,"end_word":2436,"intents":[{"intent":"Determine additional support needed","confidence_score":0.001572287}]},{"text":"Well, I have been eating into my savings, but, you know, I've I didn't used Yeah. to feel like I had to budget, and it's taken me a long time to manage all of that because I have been seriously unable to do that sort of shit.","start_word":2437,"end_word":2483,"intents":[{"intent":"Determine budget constraints","confidence_score":0.12649788}]},{"text":"This we've had a lot going on, and it definitely takes time. Cash flow and budgeting can definitely take time, especially when we've been working, earning a significant income, and then we're off work due to illness or injury and things go wrong, and we're still having the same amount of bills come out, but our income decreases.","start_word":2519,"end_word":2576,"intents":[{"intent":"Resolve income issues","confidence_score":0.04273621}]},{"text":"you like us to do you have a mortgage broker or someone that you can speak to, or would you like us to refer you through to a mortgage broker that might be able to assist and look at what they can do to help you?","start_word":2867,"end_word":2912,"intents":[{"intent":"Refer to mortgage broker","confidence_score":0.067663364}]},{"text":"So you still got a lot of longevity ahead of you, and we just wanna make sure we continue to update the advice and are here to help you sort you know, make sure we're looking after your goals moving forward. Okay? Thank you.","start_word":3161,"end_word":3204,"intents":[{"intent":"Update advice","confidence_score":0.038614806}]},{"text":"So we can actually physically do the withdrawal from hub twenty four. We just need to essentially have a form signed to note that you're no longer working, that you meet the condition of release. So you're not physically working at all and you're over 60, which meets that condition of release, which means you can draw the funds down completely tax free.","start_word":3371,"end_word":3433,"intents":[{"intent":"Obtain form to note withdrawal","confidence_score":0.009731264}]},{"text":"Whereas with Hub twenty four, we can physically do all that for you and complete the withdrawal and monitor it a little bit easier. But it's up to you on how you would like to proceed with it.","start_word":3484,"end_word":3521,"intents":[{"intent":"Complete withdrawals","confidence_score":0.012044658}]},{"text":"And then, generally, once it gets over a certain amount, do you make a lump sum Yes. withdrawal Yes.","start_word":3537,"end_word":3555,"intents":[{"intent":"Obtain lump sum","confidence_score":0.0004614028}]},{"text":"So one of your investments in hub twenty four at the moment is underperforming. So I would like to move that investment out of there and replace it, maybe update your risk profile within Hub twenty four, reevaluate the investments within Aware as well to make sure that everything is in line with your risk capacity, Yeah.","start_word":3687,"end_word":3743,"intents":[{"intent":"Manage investments","confidence_score":0.0012045236}]},{"text":"So it's really important that we update the advice.","start_word":3987,"end_word":3995,"intents":[{"intent":"Update advice","confidence_score":0.30881575}]},{"text":"We reevaluate your goals and make changes to the investments as well every so often because investments, you know, that might have been good a couple of years ago might not be any you know, might need to alter or might not be any good anymore. We might need to change them.","start_word":3996,"end_word":4047,"intents":[{"intent":"Evaluate investments","confidence_score":0.40901548}]},{"text":"I'll do some research to see if we can have those contributions moved into Hub to try to consolidate everything. Because, realistically, if we can move everything from Aware into Hub 24, having everything invested in one place does give you you have more money, makes more money. So it does ultimately provide a greater benefit. Yeah.","start_word":4197,"end_word":4253,"intents":[{"intent":"Consolidate contributions","confidence_score":0.86997527}]},{"text":"And then we can look at how best to sort of structure things as well for you. Okay?","start_word":4310,"end_word":4327,"intents":[{"intent":"Structure things","confidence_score":0.3071787}]},{"text":"did you want us to organize a a bit of a withdrawal?","start_word":4338,"end_word":4349,"intents":[{"intent":"Inquire about a withdrawal","confidence_score":0.00019831401}]},{"text":"As long as we get everything signed today, we can have this withdrawal processed within, you know, two to three days, essentially. With Aware, it can take them about a week depending on how they draw things down. Okay. Yeah.","start_word":4862,"end_word":4901,"intents":[{"intent":"Process withdrawals","confidence_score":0.06132861}]},{"text":"And then we can reevaluate everything with the advice and look at how that benefits moving forward. Does that make sense? Yeah.","start_word":5096,"end_word":5117,"intents":[{"intent":"Reevaluate with advice","confidence_score":0.0037488055}]},{"text":"Do you wanna give them a call and find out if they're happy for it to be in, you know, a week or so's time, and we just take that money from Aware? Yeah.","start_word":5177,"end_word":5210,"intents":[{"intent":"Check satisfaction","confidence_score":0.0006207225}]},{"text":"Well, in all honesty, if they've got a bit of time, if they want the money quicker, Hub twenty four is easier to take it out of. But because realistically with the advice we'd be trying to consolidate Aware into Hub twenty four, it does it is more beneficial to take it out of the industry fund.","start_word":5262,"end_word":5318,"intents":[{"intent":"Consolidate aware","confidence_score":0.66401696},{"intent":"Consolidate aware","confidence_score":0.1991909},{"intent":"Remove money from industry fund","confidence_score":0.0014711057}]},{"text":"But if the if the solicitors are happy just to wait another week or so, we can get the form signed as quickly as possible so we can get everything done.","start_word":5390,"end_word":5420,"intents":[{"intent":"Sign form","confidence_score":0.12549426}]},{"text":"And as long as you're comfortable with that, we can get the forms. We'll get them signed.","start_word":5522,"end_word":5538,"intents":[{"intent":"Get forms","confidence_score":0.7614879},{"intent":"Get forms","confidence_score":0.05559956}]},{"text":"We'll get them signed. We'll send everything to Aware, and then we'll follow-up with a phone call saying, hey, guys. This is important. We need this done as quickly as possible, and we'll try to push it through as fast as possible on their end. Does that make sense?","start_word":5535,"end_word":5583,"intents":[{"intent":"Sign forms","confidence_score":0.0041309786}]},{"text":"We'll send everything to Aware, and then we'll follow-up with a phone call saying, hey, guys. This is important. We need this done as quickly as possible, and we'll try to push it through as fast as possible on their end. Does that make sense?","start_word":5539,"end_word":5583,"intents":[{"intent":"Follow up","confidence_score":0.38491085}]},{"text":"We need this done as quickly as possible, and we'll try to push it through as fast as possible on their end. Does that make sense?","start_word":5558,"end_word":5583,"intents":[{"intent":"Push through","confidence_score":0.005402007}]},{"text":"The other option is if you are really unsure and you just want us to provide that personal advice is we can do the research. We'll need to obviously get the TPA applied to TAO and do the research with them first up. So we can do some research and try to provide the advice. It'll it normally takes us about a week or two. Normally, about two weeks because we have to incorporate the TAO income protection policy into this research.","start_word":5629,"end_word":5710,"intents":[{"intent":"Do tao research","confidence_score":0.0000026533562}]},{"text":"So in about sort of two to three weeks, we could have the advice completely done up for you, which tells you where to withdraw the funds from, what we're gonna do to the investments, and how best to move forward and structure everything to make it better for you.","start_word":5712,"end_word":5761,"intents":[{"intent":"Structure advice","confidence_score":0.15925074}]},{"text":"So I just sort of wanted to find out what's more preferable to yourself. Right.","start_word":5793,"end_word":5807,"intents":[{"intent":"Find out preferable advice","confidence_score":0.059970234}]},{"text":"So we just need to see a bank statement or get your bank account information, you'll be seeing account number. And we can get those forms done up for you, get them signed nice and quickly, and then we can push that through as fast as possible. And that means you could have that money a little bit quicker, have it in the bank, gives you a buffer, and it pays the solicitor's bill. Does that sound okay?","start_word":6184,"end_word":6261,"intents":[{"intent":"Request bank statement","confidence_score":0.09963421}]},{"text":"This must show your account balance, Clarisse. No. Sorry.","start_word":6549,"end_word":6557,"intents":[{"intent":"Gather account information","confidence_score":0.0026476406}]},{"text":"For a lump sum withdrawal or changing payment details, you must provide the following, your member number and account, BSB, and proof of identity. Okay.","start_word":6560,"end_word":6584,"intents":[{"intent":"Confirm payment details","confidence_score":0.05109243}]},{"text":"It looks like they actually should not require the bank statement itself. They may just do a phone call to confirm the information with you, Okay.","start_word":6590,"end_word":6615,"intents":[{"intent":"Confirm security","confidence_score":0.00095786335}]},{"text":"Did you wanna call the solicitors first and find out when they want the transaction, or would you just like us to organize it from where nice and quickly for you?","start_word":6631,"end_word":6661,"intents":[{"intent":"Call solicitors","confidence_score":0.0068462077}]},{"text":"Well, we will get that TWA done. I will get the benefit payment form sorted. I will get Michelle to give you a call and get your bank So information for the form. I Yep.","start_word":6711,"end_word":6745,"intents":[{"intent":"Sort benefit payment form","confidence_score":0.08873082}]},{"text":"I'll get so I'll get her to give you a call to get your bank account details before the withdrawal form, and we'll make sure that it can be electronically signed. If we have to get it web signed, we'll let you know. We'll do we'll do all the bits we need to make sure we understand what has to happen to make this as quick as possible for you. Perfect.","start_word":6795,"end_word":6865,"intents":[{"intent":"Get bank account details","confidence_score":0.7439985}]},{"text":"Perfect. And just confirming, you just wanna withdraw 50,000. That's right.","start_word":6865,"end_word":6875,"intents":[{"intent":"Confirm withdrawal amount","confidence_score":0.13538688}]},{"text":"there's a lot of things that were in my plan that I will still probably implement because I don't need to be living in a double story townhouse with three bedrooms and three bathrooms by myself. That's not so Yeah.","start_word":7255,"end_word":7294,"intents":[{"intent":"Implement plan","confidence_score":0.035148244}]},{"text":"So I I need to sort that out because it was I changed trustees, and I've gotta do a I can't remember the name of it, but we changed the name on the ownership of the shares without selling them or buying Okay.","start_word":7603,"end_word":7645,"intents":[{"intent":"Clarify ownership and name","confidence_score":0.00031791403},{"intent":"Sort out","confidence_score":0.013947085}]},{"text":"I can't I can't I have no relationship with my broker that collapsed number of years ago. So just even getting away from her has been the biggest headache in the world. So Yeah.","start_word":7662,"end_word":7695,"intents":[{"intent":"Address concerns over potential liability","confidence_score":1.17536146e-7}]},{"text":"So transferring the contract between trustees without actually buying and selling. Yep.","start_word":7880,"end_word":7891,"intents":[{"intent":"Transfer contract between trustees","confidence_score":0.0055732154}]},{"text":"And is there anything else that you might be hoping to achieve goal wise?","start_word":7912,"end_word":7925,"intents":[{"intent":"Ensure completion of task","confidence_score":0.000059144906}]},{"text":"water treading water's worked for me the last Yeah. few years.","start_word":7941,"end_word":7951,"intents":[{"intent":"Acknowledge success of treading water","confidence_score":0.0011591694}]},{"text":"Do you know sort of what value the house would be at the moment?","start_word":8076,"end_word":8089,"intents":[{"intent":"Assess property value","confidence_score":0.06190665}]},{"text":"What's the value of TU?","start_word":8327,"end_word":8331,"intents":[{"intent":"Ask for valuation and valuation of tu","confidence_score":0.000015890753}]},{"text":"So what we can do oh, I also just wanted to double check your beneficiaries as well just to make sure everything was in line with your wishes.","start_word":8548,"end_word":8575,"intents":[{"intent":"Verify income and beneficiaries","confidence_score":0.0018123012}]},{"text":"With everything you've had, I know you've got a lot going on, but have you ever drawn up a will, had a power of attorney, drawn up with a solicitor as well?","start_word":8576,"end_word":8607,"intents":[{"intent":"Inquire about will and legal representation","confidence_score":0.000008507792}]},{"text":"There there is another way to structure your beneficiaries if it's better for you to be able to do that, where if you had it directed to your legal personal representative that in the event of passing, your super is paid to your will, it becomes an estate asset. And then as part of your will, you can direct how much goes to each of your kids that way. What did you call that?","start_word":8825,"end_word":8898,"intents":[{"intent":"Structure beneficiaries effectively","confidence_score":0.039233435}]},{"text":"There's with the beneficiaries $50.50 each at the moment, there's nothing wrong with that in any way, shape, or form. It's just you know, if anything happens, they can claim. They get the benefit paid out $50.50.","start_word":8994,"end_word":9030,"intents":[{"intent":"Clarify beneficiaries' plans","confidence_score":0.00049867}]},{"text":"I know we would have gone through, obviously, our ongoing service fee each year with you as part of your annual review, but do you understand how our services work, how our ongoing service fee works, and, you know, what you're sort of paying for with regard to that?","start_word":9342,"end_word":9390,"intents":[{"intent":"Review service fee and pay monthly fee","confidence_score":0.000008810603}]},{"text":"One of the things that they kinda mentioned, one of your investments has been underperforming a little bit. So I do wanna kind of remove that out and update your portfolio.","start_word":9580,"end_word":9610,"intents":[{"intent":"Update portfolio","confidence_score":0.030823164}]},{"text":"One of the things that they kinda mentioned, one of your investments has been underperforming a little bit. So I do wanna kind of remove that out and update your portfolio. So I'll go back and research some investment options to make sure things continue to work harder for you. But Mhmm.","start_word":9580,"end_word":9631,"intents":[{"intent":"Discuss investment options","confidence_score":0.22182964}]},{"text":"One of the things that they kinda mentioned, one of your investments has been underperforming a little bit. So I do wanna kind of remove that out and update your portfolio. So I'll go back and research some investment options to make sure things continue to work harder for you. But Mhmm. over the course of the last year, your portfolio has still made a 9.81% Okay. return. Yeah.","start_word":9580,"end_word":9648,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.0021098938}]},{"text":"over the course of the last year, your portfolio has still made a 9.81% Okay. return. Yeah.","start_word":9632,"end_word":9648,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.016365381}]},{"text":"Now when you think about risk, if risk was a number between one and five, five being very risky, you're a 100% invested in the market, throw it all on black, and one being very safe, not investing, and getting lower returns.","start_word":10132,"end_word":10173,"intents":[{"intent":"Evaluate investment risks","confidence_score":0.005720788}]},{"text":"So now you have scored in that growth environment there, which is where you're invested in currently. We can look to because you are getting closer to just maybe starting to reduce your risk level slightly. If we maybe Mhmm. move you down by 10% into that balanced growth environment, it drops the growth investments by 10%. So from 80% invested to 70%, and we're just increasing the lower risk defensive investments gradually.","start_word":10420,"end_word":10492,"intents":[{"intent":"Discuss investment strategy","confidence_score":0.03266261}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Kate. It's Zaina from OQ Financial. How are you today?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.21410565078258512},{"text":"I'm good. Thank you. How are you? I'm very well. Thank you. Thanks for asking.","start_word":12,"end_word":26,"sentiment":"positive","sentiment_score":0.6022936701774597},{"text":"I had you booked in for a bit of a a quick catch up today in relation to your TBD claim and helping you out with that at the moment. Is now still a good Yes. time? Yes. Yeah.","start_word":27,"end_word":65,"sentiment":"neutral","sentiment_score":0.2211676388978958},{"text":"Fantastic.","start_word":66,"end_word":66,"sentiment":"positive","sentiment_score":0.5147808194160461},{"text":"How's your morning been so far? Oh, been very busy. Oh, I've been trying to Yes. be busy. My daughter's in labor. So I'm Wow. I'm trying to just speak for herself. Wow. Is she in labor now? Yes. She is. Wow. Is now still okay for a conversation? Because if you need to focus on other things, that's No. understandable. No. No. That's okay It's because okay. I need to distract myself because there's not Okay. much I can do from this this Yep. end. So Absolutely. Well, look, if this a call comes in and something, you know, comes through and you need me to stop, please let me know because that I is will. absolutely so important. So Oh, thank good. you. Do you know do you know what she's having? Yeah. She's having a girl. So Oh, that's yeah.","start_word":67,"end_word":209,"sentiment":"neutral","sentiment_score":-0.03025243245065212},{"text":"beautiful. Well, My congratulations once that's thing.","start_word":210,"end_word":216,"sentiment":"positive","sentiment_score":0.4224945306777954},{"text":"all done. Oh my gosh. Is this your My first first grandchild? no. First granddaughter, though. Oh, I've this got is special. two grandsons, so Yeah. it's very Yeah.","start_word":217,"end_word":245,"sentiment":"neutral","sentiment_score":0.12798550724983215},{"text":"and very exciting.","start_word":246,"end_word":248,"sentiment":"positive","sentiment_score":0.4372877776622772},{"text":"Oh, absolutely.","start_word":249,"end_word":250,"sentiment":"neutral","sentiment_score":0.32807910442352295},{"text":"All good.","start_word":251,"end_word":252,"sentiment":"positive","sentiment_score":0.3354504108428955},{"text":"Well, I was trying not to take up too much of your time, but I just wanted to sort of go through and do a bit of a review of things with you, look at what we can definitely do to help. Yes. I have done some really in-depth research with Aware, so I understand what's happening on that side of things for Yes. you. Okay. And we just need to work out whether, you know, how we get some funds out for you and, obviously, what what sort of advice we need to help you with moving forward now. Okay? Yeah. Okay. Sure.","start_word":253,"end_word":356,"sentiment":"neutral","sentiment_score":0.10267404667460002},{"text":"All good.","start_word":357,"end_word":358,"sentiment":"positive","sentiment_score":0.5436049699783325},{"text":"Now before I jump into the call completely, I do have to let you know we do record our calls moving forward. Are you comfortable with me doing that? Yeah.","start_word":359,"end_word":388,"sentiment":"neutral","sentiment_score":0.06534701585769653},{"text":"Thank you. Beautiful.","start_word":389,"end_word":391,"sentiment":"positive","sentiment_score":0.5668727159500122},{"text":"And now just for security, I'm about to discuss your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Catherine Luella Branchley, Unit 2 Yeah. 24 Carousel Street, Boling, 20th Of January 65.","start_word":392,"end_word":438,"sentiment":"neutral","sentiment_score":0.08064549416303635},{"text":"Beautiful. Thank you so much for that. Now I can see so I did actually get through to Aware. Thank you for doing the TCA for us and having all that on file. I spoke to them last night. Was able to get some full research completed there. I can see your current balance there. I can also see with your workers' compensation claim, you are also receiving contributions if you're aware, which is fantastic.","start_word":439,"end_word":513,"sentiment":"positive","sentiment_score":0.4848792254924774},{"text":"Mhmm. Yeah.","start_word":514,"end_word":515,"sentiment":"neutral","sentiment_score":0.13082346320152283},{"text":"It's really good to see that that's still going in.","start_word":516,"end_word":525,"sentiment":"positive","sentiment_score":0.3622628152370453},{"text":"Not not all states do contributions for workers' compensation claims.","start_word":526,"end_word":535,"sentiment":"neutral","sentiment_score":0.04531317949295044},{"text":"So the fact that you're getting contributions is a really good thing.","start_word":536,"end_word":547,"sentiment":"positive","sentiment_score":0.5209618210792542},{"text":"Do you know with the workers' compensation, now that you have been able to claim on TBD, have Yeah. you had any kind of update with the compensation lawyers and where this might be going? Will you be staying on this, or have they sort of mentioned anything about a payout? Or Well, so at this stage, I am they've just sit on on it till sixty seven, But Okay. I am in the process of doing a you know, you've gotta you've gotta get this passivity certificate and all sorts of stuff. They work they don't just give you your lump sum. You've gotta actually No. sue them Correct. for Yeah. so I'm in that limbo thing. Okay. That's that's okay. Do you have any do do you have your solicitor to sort of try to help you with that at the moment, or is that something that's just on hold? You're just gonna keep receiving those regular payments until '67 at this point? Or No. So I've I mean, it it will continue according to work Mhmm. cover. They're Mhmm. not there'll be no return to work for me. But with the solicitor, Okay. I'm in the process of getting a affidavit completed to submit with our application. So I've got a second appointment because that's Yep. pretty Okay. full on. Yeah. Absolutely. Yeah. So I'm Yep. not sure when the next appointment's gonna be that just Yes. they'll contact me and go from Yep. there. But Yep. alright. I'm just That's having my okay. breakfast. No. No. That's okay. You're not a problem at all. If you need me to stop, just let me know.","start_word":548,"end_word":825,"sentiment":"neutral","sentiment_score":-0.02944237809869454},{"text":"Your breakfast is important, and you got a lot happening today, which is also very exciting. Beautiful.","start_word":826,"end_word":842,"sentiment":"positive","sentiment_score":0.5493447780609131},{"text":"So I've just done a lot of research around your circumstances, having a bit of a look, but can't see anywhere where it's kind of noted what the injury was that stopped you from working. Can I just get you to give me just a little bit of detail on what happened?","start_word":843,"end_word":894,"sentiment":"neutral","sentiment_score":-0.09709150344133376},{"text":"I understand that might be very sensitive. I'm very sorry about that.","start_word":895,"end_word":906,"sentiment":"negative","sentiment_score":-0.4143052101135254},{"text":"But just wanted to find out a bit more around the injury that sort of stopped you from working originally. Right. So it was a mental health thing. Okay. I I refer Yeah. to it as a physical and mental breakdown, but I'm so sorry. I don't think they use those terms these days. No. And, you know, now now that Yeah. Aftermath is have a lot of Yep. unmanaged anxiety and have a few social Yes. issues and things around that.","start_word":907,"end_word":988,"sentiment":"neutral","sentiment_score":-0.2407948523759842},{"text":"The physical side of things now has improved, but it's still a bit of a thing hanging over my head with food and stuff like that.","start_word":989,"end_word":1014,"sentiment":"negative","sentiment_score":-0.37979191541671753},{"text":"So Yes. I have to monitor my diet and how I manage that because I lost Yeah. 10, and, yeah, it was Wow. Yeah. I'm so sorry you went through that.","start_word":1015,"end_word":1045,"sentiment":"neutral","sentiment_score":-0.10863219850486323},{"text":"That sounds awfully bad. traumatic.","start_word":1046,"end_word":1050,"sentiment":"negative","sentiment_score":-0.5099619626998901},{"text":"Well, hopefully, you know, things do get a little bit better.","start_word":1051,"end_word":1061,"sentiment":"neutral","sentiment_score":0.2861756682395935},{"text":"And with with your, you know, granddaughter coming, hopefully, that sort of makes a little bit of a difference and brightens things up a little bit for you.","start_word":1062,"end_word":1089,"sentiment":"positive","sentiment_score":0.4394365549087525},{"text":"Yeah. I'd say Yeah. Something to look forward to. No. Yeah.","start_word":1090,"end_word":1100,"sentiment":"neutral","sentiment_score":0.16287240386009216},{"text":"Well, thank you very much for opening up. I really do appreciate you giving that information.","start_word":1101,"end_word":1116,"sentiment":"positive","sentiment_score":0.5079549551010132},{"text":"It can be very difficult to sort of relive some of those things.","start_word":1117,"end_word":1129,"sentiment":"neutral","sentiment_score":0.15724913775920868},{"text":"I really appreciate it.","start_word":1130,"end_word":1133,"sentiment":"positive","sentiment_score":0.5300247073173523},{"text":"I never want you to feel like you get you have to give me more than you're comfortable doing, but just to make sure that I'm working harder for you and make sure that I have as much information as possible. I do sometimes have to ask some very difficult questions, but thank you so much for answering that one for Mhmm. me. No worries. Now the good thing is with the workers' compensation claim continuing to the age of 67, that does take you up until age pension eligibility. So when we get to 67, we can always look at, you know, age pension eligibility. I can help you with that along those lines, looking at what you're able to get, how you're able to get it, and how that works for you. Mhmm. With your contribution still going into I'm not a 100% sure whether they will continue. Do you have they mentioned or are you aware if the employer's contributions will continue through to eight sixty seven into your Aware Super, or is that supposed to stop? No. That's supposed to continue while I'm Continue. still getting payments. Yep. They will Continue that. process. So Yep. Yep. No.","start_word":1134,"end_word":1334,"sentiment":"neutral","sentiment_score":0.12236399948596954},{"text":"That's fantastic. That's really good because that will definitely make a bit of a difference there.","start_word":1335,"end_word":1350,"sentiment":"positive","sentiment_score":0.5915892124176025},{"text":"yeah. The Mhmm. other thing I was able to have a look at is with your insurances.","start_word":1351,"end_word":1367,"sentiment":"neutral","sentiment_score":0.14895938336849213},{"text":"So you've had your TPD paid out to your super, which is fantastic.","start_word":1368,"end_word":1380,"sentiment":"positive","sentiment_score":0.3541381061077118},{"text":"When I spoke to Aware, because you did originally have an income protection policy in there, they've noted that there's a current open claim. Are you aware that there's a an income protection claim in progress, or is that something that you've been looking into? Oh, no. I don't think I don't think we were going ahead with that because anything that they pay me just comes Yep. off the workers' compensation payment. Yes. Yep. So it Because would just neutralize any, yeah. you know, any income that I was getting from workers' comp. Right. So I don't know. I I might have to call the solicitor and ask them about that. Yeah. Because when I spoke to Aware, I spoke to the insurance team and they had a look and they had noted that on the March 30, they had received the information, and the claim had been sent to TAO. So TAO is the underwriter for the Aware insurances, Right. and TAO they said they'd sent everything to TAO, and it was in progress with TAO. I would like to if you're comfortable with us, so we can certainly help you with all this. You're we're your financial advisers, and we can organize an authority to speak to TAL and to liaise with them on your behalf with regards to claim. We just need to get an authority completed to do that. Are you Yeah. comfortable with us having an authority signed, having that applied to the tower claim so we can kinda help you with that? Sure. Yeah. Yeah. You may as well use us while you can. We can do a lot of the hard questions and liaising with the insurer around the claim and helping you out with that. And Yeah. unlike the lawyers, you don't pay us an additional fee for doing that. Essentially, you're an ongoing client. So, you know, the advice we do provide in relation to all of this and they're helping you with the claims process, all of that is still all part of the fee that you're paying us currently.","start_word":1381,"end_word":1731,"sentiment":"neutral","sentiment_score":0.07794457674026489},{"text":"So there's no additional cost to you for us helping you out this way.","start_word":1732,"end_word":1745,"sentiment":"positive","sentiment_score":0.4135948121547699},{"text":"Okay? Okay. I wish I'd known that before I went. It's okay.","start_word":1746,"end_word":1757,"sentiment":"neutral","sentiment_score":0.057647403329610825},{"text":"It's honestly okay. We're here to help now. We'll make sure we are.","start_word":1758,"end_word":1770,"sentiment":"positive","sentiment_score":0.5111598372459412},{"text":"The other thing I wanted to sort of find out now, you do owe about 10,000 to the solicitors for the claims process they went through. Yeah. You need to take that out of super. Is that right? Well yeah. What I'm trying to Mhmm. do is I've still got a mortgage on my house, Yep. and I'm thinking if I can use some of that money for that as well to just Mhmm. reduce the mortgage and make, you know, make my life a bit easier. Yeah. Absolutely. Can I'm I ask trying how much is the mortgage that you have left on the property? it's 132, Okay. which I need to refinance because I'm paying too much interest. But Yeah. So 100 but I'm and thinking 32,000. if I refinance, I'll pay down some of that loan, I think, if Mhmm. I can. Yep. How much are you sort of wanting to reduce the loan by? Okay. Well, if I could get it under 100, that would be encouraging. Yeah. Yeah. Absolutely. Yeah. Yeah. Absolutely. Well, what we can look at doing to help you out is I can update your advice document. We can look at we'll probably have to retain the the two accounts, the Aware and the Hub 24 at the moment because you are getting your contributions into the Aware super. It's best to kind of I don't know if we can change that. I will look into whether we can. But because you also got the income protection claim in progress, if we go forward with that claim and you are able to claim something on the income protection policy, it has become the aware will stay have have to stay open for that purpose. Oh, okay. Yes. So we will get the authority. I'll get my my claims department to sort of help us with this one. We'll get the admin team to send an authority. I've got the contact details with Taos, so we'll give them a call and get the authority that needs to be signed. Mhmm. And then we can get that signed from yourself, and then we can apply that. And we can find out a bit more detail about when the claim was submitted, whether it's still ongoing, what's happening with it, what they're waiting on, and how that looks. And then we can also sort of have a look at whether it's worth moving forward with that claim or whether it should might impact your workers' compensation. Because your your workers' compensation, last time we caught up, you were receiving about 80% of your income. Is that still how Yeah. much you're receiving income wise from workers' compensation? Yeah. Okay. Because if you are with income protection, you can't normally claim more than 70% of your, pre disability income. So if you are on the workers' compensation and you're getting more than, that 70%, then the income protection claim won't pay, because your workers' compensation is seen as income, essentially. So there is a chance that the income protection claim may not may not be the way forward, that it may be Yeah. this may not be approved, essentially. And with the amount you're getting from in from the workers' compensation, how much are you receiving on a weekly or fortnightly or monthly basis from them at the moment? So gross weekly, I get Yep. $13.76, Yep. which works out to $11.12 net. Yep. I did the right homework, didn't I? Yeah. You Been did. busy You did. writing stuff down. I'm sorry.","start_word":1771,"end_word":2367,"sentiment":"neutral","sentiment_score":0.024811447608960133},{"text":"You did a very good job. You've definitely given me a lot more than most times. That's fantastic.","start_word":2368,"end_word":2385,"sentiment":"positive","sentiment_score":0.4657140076160431},{"text":"No. That's really good. And I know with your mortgage and your bills expenditure at the moment, is the amount that you're receiving from workers' compensation, is that covering your expenditure? Are you finding that you've got enough to live on, or do you need anything additional in to support that? Well, I have been eating into my savings, but, you know, I've I didn't used Yeah.","start_word":2386,"end_word":2452,"sentiment":"neutral","sentiment_score":-0.05378927290439606},{"text":"to feel like I had to budget, and it's taken me a long time to manage all of that because I have been seriously unable to do that sort of shit.","start_word":2453,"end_word":2483,"sentiment":"negative","sentiment_score":-0.5117059946060181},{"text":"But I think Yeah. I'm getting a bit of a handle on it now. Yep. Yep. That's okay. But, yeah, I did blow a lot of savings over Okay. it, sadly. So no. That's understandable. This we've had a lot going on, and it definitely takes time. Cash flow and budgeting can definitely take time, especially when we've been working, earning a significant income, and then we're off work due to illness or injury and things go wrong, and we're still having the same amount of bills come out, but our income decreases.","start_word":2484,"end_word":2576,"sentiment":"neutral","sentiment_score":-0.2151971161365509},{"text":"It can definitely take a bit of a toll.","start_word":2577,"end_word":2585,"sentiment":"negative","sentiment_score":-0.44724011421203613},{"text":"So it's completely understandable. Yeah. Well, I actually my bills all went up because I was home all the time, and Yeah. and I've got you know, I don't they don't cover my 100% of my medical fees and bills and stuff either. So Yeah. that's been an added expense. Yes. Okay. So given your age, so you're 61 this year. Mhmm. So, realistically, because you're over the age of 60 and not working, we can look to supplement the income that you are receiving and start to draw a little bit out of super. I will just do some research to make sure that it's not gonna impact your workers' compensation amounts at all. It shouldn't, because income from super when you're over 60 is completely tax free and is not considered income for the purposes of employment and tax and things like that. Did you want us to maybe look at as part of the advice maybe trying to draw a little bit of income at maybe a lump sum to replenish or give you some extra money, or did you want to sort of maybe draw a regular income out on a fortnightly or weekly basis to sort of support your income needs? Look. I think I really need to get this mortgage situation sorted out Yep. and get it refinanced because that will save me not save me, but it will help reduce the mortgage quicker over the next few Yep. years. And I have kinda learned to pull my head in. That's absolutely fine. So I think for now, no. I'm okay. Okay. If I can get this refinancing and Yep. That's okay. all Would that. you like us to do you have a mortgage broker or someone that you can speak to, or would you like us to refer you through to a mortgage broker that might be able to assist and look at what they can do to help you? You you did refer me, and We they did. needed Yep. documents. And as I said, my life's been a mess. So Yeah. I've been getting those documents, and I I'm behind in my tax and all that sort of stuff. So I actually have to get that have to try and get that sorted first before Okay. I move forward. But Yep. Yep. I have the details. I've made contact with me. So once Yes. once I cross over that first line, it's Yep. a process, Yep. and it's a bit overwhelming. Yeah. That's that's Of course. not okay. I'll keep Yeah. trying to get Yep. that done. Yeah. Absolutely. One thing at a time. Just feel free to call me if you have any problems or need any help or, you know, if there's anything that you just wanna to this fact, you just wanna have a chat.","start_word":2586,"end_word":3062,"sentiment":"neutral","sentiment_score":-0.027013354653598},{"text":"I'm here as your adviser to support you. I'm more than happy to talk you through things if I can help, if I can find some information, or if there's anything I can do or refer you to someone, I will absolutely do that for you. Thank We just wanna you.","start_word":3063,"end_word":3113,"sentiment":"positive","sentiment_score":0.42819344997406006},{"text":"work in a way that supports you, looks after your super, make sure you're, you know, working towards your goals because even from here, you've still got you know, most people live in those time of years from 60 plus for ten, twenty, thirty, forty odd years. So you still got a lot of longevity ahead of you, and we just wanna make sure we continue to update the advice and are here to help you sort you know, make sure we're looking after your goals moving forward. Okay?","start_word":3114,"end_word":3202,"sentiment":"neutral","sentiment_score":0.3068867325782776},{"text":"Thank you.","start_word":3203,"end_word":3204,"sentiment":"positive","sentiment_score":0.514304518699646},{"text":"Yep.","start_word":3205,"end_word":3205,"sentiment":"neutral","sentiment_score":0.2449571788311005},{"text":"That's okay. Perfect.","start_word":3206,"end_word":3208,"sentiment":"positive","sentiment_score":0.4256049692630768},{"text":"So what would you would you like me to just start with something simple? Did you want to just maybe withdraw some funds out to cover the cost of the solicitor's fees and maybe put some money on the mortgage, or did you just wanna take some money out to get the solicitor's fees completed? What would you like to do as the next step? Is it is it complicated to to draw the money out? No. No. So we can honestly draw it out of the Hub twenty 4 account. Your balance in Hub twenty four is a little bit higher than it is in the Aware. So the Aware account at the moment, the current balance with the rundown I have is last balance, $101,009.79 and 7<unk>. Within hub twenty four, your current balance there is I'm sorry. I'm just going back to my other screen. I looked it up this morning. It's 309230 It is. 9. Yeah. So 309239. So we can actually physically do the withdrawal from hub twenty four. We just need to essentially have a form signed to note that you're no longer working, that you meet the condition of release. So you're not physically working at all and you're over 60, which meets that condition of release, which means you can draw the funds down completely tax free. We can take it out of the aware account if you'd like to. It's just a little bit can be a little bit longer of a process because we've gotta get the form signed central where they sell things down to your bank account can take a little bit longer. Whereas with Hub twenty four, we can physically do all that for you and complete the withdrawal and monitor it a little bit easier. But it's up to you on how you would like to proceed with it. So in the past, Yep. I've used that Aware as, like, a parking ground. Yep. And then, generally, once it gets over a certain amount, do you make a lump sum Yes. withdrawal Yes. and swap it into the hub? Yes.","start_word":3209,"end_word":3564,"sentiment":"neutral","sentiment_score":0.07666776329278946},{"text":"I just I'd because that yours is, I think, earning a better return Yes.","start_word":3564,"end_word":3578,"sentiment":"positive","sentiment_score":0.35082241892814636},{"text":"than Aware for Yeah. Hub Yeah. '24. We yeah.","start_word":3578,"end_word":3587,"sentiment":"neutral","sentiment_score":0.09376416355371477},{"text":"So I either definitely way, wanna do that.","start_word":3586,"end_word":3593,"sentiment":"positive","sentiment_score":0.3949849605560303},{"text":"I'll Yeah. probably bring that Aware back to sort of $20 or whatever I needed to. I don't Yeah. actually Definitely. if I'm not paying the insurance anymore, I don't know that I have to have $20 in there. No. We normally only like to keep about 10,000 in that account, and I do wanna just update the advice to reflect that. I'm also looking at your hub twenty four account, and I've done a bit of a review of the investments in there. And there are some changes we'd like to make. So one of your investments in hub twenty four at the moment is underperforming. So I would like to move that investment out of there and replace it, maybe update your risk profile within Hub twenty four, reevaluate the investments within Aware as well to make sure that everything is in line with your risk capacity, Yeah.","start_word":3594,"end_word":3743,"sentiment":"neutral","sentiment_score":-0.028440620750188828},{"text":"just to make sure you're not taking on too much risk because the markets are still quite up and down. They are volatile.","start_word":3744,"end_word":3766,"sentiment":"negative","sentiment_score":-0.3621181845664978},{"text":"Mhmm. And just look at whether we need to keep a where open anymore or whether it can be closed off, but it all comes down to whether that income protection claim is viable or whether you won't be able to claim the income protection. So we just Well need to finalize that bit of research with Taos. So sorry. no. That's alright. I just also thought Yeah. that with Aware, Yeah. Yep. they would accept the small payments in, whereas Hub twenty four wouldn't do that. That Yeah. was my No. understanding. No. Hub yeah. No. Hub twenty four would definitely accept smaller payments. So so long as the workers' compensation claim, the employer contributions can be paid into Hub twenty four, then they absolutely will accept them. There's, yeah, no no issue with that in any way, shape, or form. I think maybe Yeah. then I only kept it for the insurance portion. That yeah. Having a look at the last advice document, it was kept because you needed to retain the that you had.","start_word":3767,"end_word":3943,"sentiment":"neutral","sentiment_score":-0.015941061079502106},{"text":"It looks like we were unable to get new cover at that time.","start_word":3944,"end_word":3956,"sentiment":"negative","sentiment_score":-0.4161771237850189},{"text":"So Aware was kept open to keep your contributions going in to retain the level of insurances that you had Yeah. until such time as you don't need them again. So it's really important that we update the advice. We reevaluate your goals and make changes to the investments as well every so often because investments, you know, that might have been good a couple of years ago might not be any you know, might need to alter or might not be any good anymore. We might need to change them. So I'd Mhmm. love to go back and just reevaluate the investments, have a look at the risk level you're taking, see if we can find a better performing portfolio for you, and also look at whether we can consolidate that or whether the Aware needs to stay open for you. Are you comfortable with me doing that for you? Yep. Yeah.","start_word":3957,"end_word":4109,"sentiment":"neutral","sentiment_score":0.07938577234745026},{"text":"That would be great.","start_word":4110,"end_word":4113,"sentiment":"positive","sentiment_score":0.39992555975914},{"text":"Yeah. Yep. Things change, and I don't seem to keep up with that. No. That's okay. Can I ask you with the claim for workers' compensation, when you were getting those payments put through, did they ask you what Superfund to pay your contributions to, or was that just something they worked out automatically? They probably just paid because I was with Aware when I was working. It probably Yep. just came through the employer, I think. Okay. Probably discontinued. Yep. That's okay. I'll do some research to see if we can have those contributions moved into Hub to try to consolidate everything. Because, realistically, if we can move everything from Aware into Hub 24, having everything invested in one place does give you you have more money, makes more money. So it does ultimately provide a greater benefit. Yeah. But I'll do the research first. I don't wanna do anything that's gonna impact you, and the first part of my research just needs to be around that income protection claim with Cal to see what's happening there, what we can do to help, and whether or not the claim is gonna go through or not. And then we can look at how best to sort of structure things as well for you. Okay? Okay.","start_word":4114,"end_word":4328,"sentiment":"neutral","sentiment_score":0.03895596042275429},{"text":"All good. Sounds And in the meantime, perfect.","start_word":4329,"end_word":4336,"sentiment":"positive","sentiment_score":0.35283228754997253},{"text":"did you want us to organize a a bit of a withdrawal?","start_word":4337,"end_word":4348,"sentiment":"neutral","sentiment_score":0.12649163603782654},{"text":"We can do it quickly as a transaction without seeking advice, and that's just you directing us to withdraw some money as much as you need to cover any large bills, to pay the solicitors, to sort of give you some funds in the short term to support you a little bit more.","start_word":4349,"end_word":4401,"sentiment":"positive","sentiment_score":0.3559764325618744},{"text":"Did you want me to organize that as a matter of priority? Well, I will need to pay this list. Are they gonna be hassling me soon. I did ask them to give me a few days, and I've taken a week already. I so I'll need the 10,000, and Yep. I don't even know how to pay the money off off the mortgage because I sit I sit money in an offset account, and that makes the mortgage look prettier than it is. Mhmm. Yeah. Yep. I'm not sure whether the best what this is what I wanna refinance and just get that. And then I can see it. I don't Yes. like this offset set up.","start_word":4402,"end_word":4519,"sentiment":"neutral","sentiment_score":-0.09620115160942078},{"text":"It's not how I spent all my money. It's too accessible.","start_word":4520,"end_word":4530,"sentiment":"negative","sentiment_score":-0.39941051602363586},{"text":"What do I wanna do? So okay. So I take 50 out, and I'll Mhmm. just sit 40 of the offsets while Yep. I try and sort out my tax. And then Yep. I can do something productive and get onto a break your your broker and get a better mortgage set up and Yep. something that works better for me. Yep. Absolutely. So that will And did bring you want me us to organize under a 100 sorry. for my interest for Yes. my oh, no. It'll bring me down to about a 100. If I put Yeah. So it's taking 40 yeah. A 50. bit under That's a 100. 10,000 there and 40. You said you owed a 132. So, yeah, it gives you a little over that under that $100,000 mark. Yeah. Yeah. Yep.","start_word":4531,"end_word":4667,"sentiment":"neutral","sentiment_score":0.06748110800981522},{"text":"Perfect.","start_word":4668,"end_word":4668,"sentiment":"positive","sentiment_score":0.4694444239139557},{"text":"And did you want us to organize that withdrawal from Hub twenty four, or would you like us to withdraw it out of the Aware Super? It's completely up to you. We can do either. Hub twenty four, we obviously have more control over. Is it what am I trying to say? It's not what I'm trying to say.","start_word":4669,"end_word":4727,"sentiment":"neutral","sentiment_score":0.002469396692211345},{"text":"I what do you is it gonna impact financially more if I take it out of the?","start_word":4728,"end_word":4744,"sentiment":"negative","sentiment_score":-0.3828255534172058},{"text":"I mean, I can ring this list and say we're going through the withdrawal process. Can you give me I don't know what would it be, Yep. two weeks? Yeah. I mean, with the hub twenty four, we can withdraw it out of individual investments to make it a little bit faster, or we can do it pro rata. Pro rata could take a couple of days. We can also request that once we submit the withdrawal because we're withdrawing less than 80% of the balance, that they pay that out before the withdrawals are completed, so it can be a lot faster to do it from hub twenty four.","start_word":4745,"end_word":4854,"sentiment":"neutral","sentiment_score":0.1083994060754776},{"text":"So we could have this withdrawal done.","start_word":4855,"end_word":4861,"sentiment":"positive","sentiment_score":0.3528172969818115},{"text":"As long as we get everything signed today, we can have this withdrawal processed within, you know, two to three days, essentially. With Aware, it can take them about a week depending on how they draw things down. Okay. Yeah. If you're gonna be reevaluating my portfolio with Hub, Yep. I'm not very sure what this process looks like, but That's okay. if you were to take the, like, the higher risk portion, some of that out, and then Mhmm. get the I mean, you could do 80,000 out of the way 90,000 out of the way and that out of the you know, to to put back in. Does that make sense? Yeah. Yeah. To Absolutely. put back into hub? Yep. Yep. Otherwise, And that's what I we'll am do as part of the advice. so otherwise, Yeah. I I could just ring this list and say, right. It's it's a process to get this out. I need I need a week or so to or a week, do you think, would be safe or, say, ten working days? Yes. It'll take me to do the research properly, it'll take us about one to two weeks to complete the research before updating the advice for you. So that's why I'm sort of thinking if we withdraw this now quickly, that gets the solicitor's bill sorted for you and give you some money now. And then we can reevaluate everything with the advice and look at how that benefits moving forward. Does that make sense? Yeah. So I'm still not sure where Yeah. I'm taking the money at. Because No. if That's the okay. solicitor says it's okay to, you know, that they'll they're happy for me to pay that bill in two weeks' time, then I I think I would just Yep. take it out of Aware, I think. Yep. That's Does okay. it? Do you wanna give them a call and find out if they're happy for it to be in, you know, a week or so's time, and we just take that money from Aware? Yeah. That might be. Yep. And I'll I'll call you back once I hit when I Yeah. once Yeah. I is that That's alright? that's absolutely fine. Is Yeah. that That's is absolutely that the right fine. thing to do, or is it not gonna make a huge difference either way? No. Well, in all honesty, if they've got a bit of time, if they want the money quicker, Hub twenty four is easier to take it out of. But because realistically with the advice we'd be trying to consolidate Aware into Hub twenty four, it does it is more beneficial to take it out of the industry fund. It's just that it can be a longer process to take money out of the industry fund because they have their set processes that take three to five days to receive and process things and then the withdrawal. They don't like to pay money up before they sell the investments down to to match it. So it can be a little bit longer of a process to do it that way. But if the if the solicitors are happy just to wait another week or so, we can get the form signed as quickly as possible so we can get everything done. It'll be a transaction without advice. It's the quickest way to do the withdrawal for you. It's just Yeah. us letting you know that we're not providing advice on this. Is the direction that you need the money now, that we're gonna do it as quickly as possible. And it's just about noting that the funds will no longer be invested, that the money can take some time to sell down, and that, you know, you're comfortable not seeking advice on this withdrawal, that you just need these this money now to to pay these bills and to help you upfront. And as long as you're comfortable with that, we can get the forms. We'll get them signed. We'll send everything to Aware, and then we'll follow-up with a phone call saying, hey, guys. This is important. We need this done as quickly as possible, and we'll try to push it through as fast as possible on their end. Does that make sense? It does. I just I still Yeah.","start_word":4862,"end_word":5590,"sentiment":"neutral","sentiment_score":0.0639883617529408},{"text":"don't know whether that's I'm making the right decision to do it that way or whether and I don't know what the difference is going to be if I just go direct from other than Yep.","start_word":5591,"end_word":5626,"sentiment":"negative","sentiment_score":-0.3698633313179016},{"text":"PACE. Yeah. The other option is if you are really unsure and you just want us to provide that personal advice is we can do the research. We'll need to obviously get the TPA applied to TAO and do the research with them first up. So we can do some research and try to provide the advice. It'll it normally takes us about a week or two. Normally, about two weeks because we have to incorporate the TAO income protection policy into this research. Yep. So in about sort of two to three weeks, we could have the advice completely done up for you, which tells you where to withdraw the funds from, what we're gonna do to the investments, and how best to move forward and structure everything to make it better for you.","start_word":5627,"end_word":5761,"sentiment":"neutral","sentiment_score":0.019453372806310657},{"text":"But that's a little bit longer to get personalized advice.","start_word":5762,"end_word":5771,"sentiment":"negative","sentiment_score":-0.36617764830589294},{"text":"We have a quite a bit of research to do, so it will take a little bit longer to do that. So I just sort of wanted to find out what's more preferable to yourself. Right.","start_word":5772,"end_word":5807,"sentiment":"neutral","sentiment_score":-0.23394028842449188},{"text":"It's another problem I have is I can't make any decisions anymore.","start_word":5808,"end_word":5819,"sentiment":"negative","sentiment_score":-0.47724220156669617},{"text":"No. That's okay.","start_word":5820,"end_word":5822,"sentiment":"neutral","sentiment_score":-0.05789542570710182},{"text":"You can take you can take some time to have a think about it if you want.","start_word":5823,"end_word":5839,"sentiment":"positive","sentiment_score":0.3985047936439514},{"text":"You don't have to make the decision right this minute. Okay. Do you wanna take some time to have a think about what you'd like to do? Just want someone else to take control. I don't wanna play adults Yep. No. That that's okay. That's alright. Do you want me to just have the anymore. withdrawal process? I mean, I can just do the withdrawal out of Aware. We just need you to sign the transaction without advice, and that way it gets processed.","start_word":5840,"end_word":5923,"sentiment":"neutral","sentiment_score":0.10829617828130722},{"text":"It's completely tax free to yourself. And the sooner we start it, the easier it will be to have the funds on the mortgage and have the solicitor's bill completely paid and out of the way for you. One less thing to worry about.","start_word":5924,"end_word":5967,"sentiment":"positive","sentiment_score":0.577086865901947},{"text":"Okay. Let's do that. I will ring the solicitor. Does that sound okay? Yeah. So if I because I could give them a little bit now. You know, like, I could Mhmm. pay them 2 and a half grand or something now and then just the balance when that comes through, and and I'm I'm sure they'll be okay with that. Yep. So I might, you know, scream, but I'll confirm with you. I'll ring is Michelle working today? She is. Is it Yeah. Michelle? I'll let her know that you'll be calling back to confirm. Yeah. But, yeah, the the fastest and easiest way to do this while we do the research around the rest of the advice is to get you some money now so you can pay down the mortgage a little bit, have a bit of a buffer there as well, and also cover the solicitor's bill is to do it as a transaction without seeking advice. We'll just get you to sign the document. I'll outline the risks involved. We'll get the withdrawal form sorted as well, and we'll just need to get a bank statement off you that shows your bank account information because Aware will want to know where to pay the funds to, essentially. Oh, okay. Yep. So we just need to see a bank statement or get your bank account information, you'll be seeing account number. And we can get those forms done up for you, get them signed nice and quickly, and then we can push that through as fast as possible. And that means you could have that money a little bit quicker, have it in the bank, gives you a buffer, and it pays the solicitor's bill. Does that sound okay? Yeah.","start_word":5968,"end_word":6261,"sentiment":"neutral","sentiment_score":0.1551571921223686},{"text":"That sounds good.","start_word":6262,"end_word":6264,"sentiment":"positive","sentiment_score":0.4531429708003998},{"text":"Yep. That way they're not ringing you and going, hey. You owe us this money. Hurry up. Yeah. So so you will And pay and it will all go into the bank account, and then I can send that on to yep. the Yes. solicitor. Okay. Yes. Let's So do Aware that. will have to pay that money into your bank account, and then you can have that transferred across to to the solicitor's account. Okay?","start_word":6265,"end_word":6340,"sentiment":"neutral","sentiment_score":0.07886798679828644},{"text":"Perfect.","start_word":6341,"end_word":6341,"sentiment":"positive","sentiment_score":0.38753852248191833},{"text":"Alright.","start_word":6342,"end_word":6342,"sentiment":"neutral","sentiment_score":0.3124147355556488},{"text":"Excellent. Perfect.","start_word":6343,"end_word":6344,"sentiment":"positive","sentiment_score":0.538655161857605},{"text":"So Okay. I'll do up a TWA for withdrawal. We want 50,000. Is that right? Yes, please. Yep.","start_word":6345,"end_word":6362,"sentiment":"neutral","sentiment_score":0.15542522072792053},{"text":"From Aware Super ASAP. Beautiful. And we will get that document out to you today.","start_word":6363,"end_word":6377,"sentiment":"positive","sentiment_score":0.4492386281490326},{"text":"Mhmm. Now with the bank statement side of things, is it easier if I maybe get Michelle to give you a call and get the information? Or are you able to send us a copy of your just a bank statement that shows the BSB, the account, and your name? Yeah. Yeah. I can probably get that I could get that online with a screenshot of it work or not. That's who needs to be the same. It might do. I'm just double checking your where's rules because some of the s super funds have changed where they might not request the actual statement be provided. I might be able just to get Michelle to give you a call and get the details over the phone, Okay. but I just wanna check Aware's rules for you to make it as easy as possible. Mhmm. Let's have a look. Yeah. So it says here they specifically require a copy of your bank statement. Okay. Yeah. Copy of your current bank statement. This must show your account balance, Clarisse. No. Sorry. It's hardship claims. For a lump sum withdrawal or changing payment details, you must provide the following, your member number and account, BSB, and proof of identity. Okay. So Certificate driver's license. Sorry. It looks like they actually should not require the bank statement itself. They may just do a phone call to confirm the information with you, Okay. but they do want updated ID, which I believe we already have. So I yeah. Did you wanna call the solicitors first and find out when they want the transaction, or would you just like us to organize it from where nice and quickly for you? Well, if you go ahead and organize it, and I will try Yep. and bribe them into letting me make a payment today and the balance when the super withdrawal happens. Okay. I'm sure they'll understand. Yep. I'm sure they've faced this before. Absolutely. Absolutely. Absolutely. No. That's perfect. Well, we will get that TWA done. I will get the benefit payment form sorted. I will get Michelle to give you a call and get your bank So information for the form. I Yep. don't wanna do it on this line because I don't do it on a recorded line. We have to turn the recording off, and I'm gonna be honest with you.","start_word":6378,"end_word":6775,"sentiment":"neutral","sentiment_score":0.0032577502667604378},{"text":"I'm not that good at it.","start_word":6776,"end_word":6781,"sentiment":"negative","sentiment_score":-0.4493331015110016},{"text":"So Michelle knows what Oh, to I do feel there. your So pain. I'll get so I'll get her to give you a call to get your bank account details before the withdrawal form, and we'll make sure that it can be electronically signed. If we have to get it web signed, we'll let you know. We'll do we'll do all the bits we need to make sure we understand what has to happen to make this as quick as possible for you. Perfect. And just confirming, you just wanna withdraw 50,000. That's right. Yep.","start_word":6782,"end_word":6876,"sentiment":"neutral","sentiment_score":0.025850454345345497},{"text":"Perfect. ASAP. Beautiful. We can do that for you.","start_word":6877,"end_word":6885,"sentiment":"positive","sentiment_score":0.5056243538856506},{"text":"And I have to say, Michelle rang me the other Yeah. day for some it's about DocuSign thing. She's a legend. Yeah. I Isn't love she her. beautiful?","start_word":6886,"end_word":6913,"sentiment":"neutral","sentiment_score":0.06829094727124486},{"text":"She's She my is new really, really friend. sweet.","start_word":6914,"end_word":6922,"sentiment":"positive","sentiment_score":0.365823358297348},{"text":"Yeah. Yeah. No.","start_word":6923,"end_word":6925,"sentiment":"neutral","sentiment_score":0.2472822666168213},{"text":"She is really beautiful.","start_word":6926,"end_word":6929,"sentiment":"positive","sentiment_score":0.4597003161907196},{"text":"So Yes. Michelle is gonna be she's my admin now, and she's been learning to do all the implementations and work with the kind of advice that I give, which is a lot around that retirement space, so quite complex advice scenarios.","start_word":6930,"end_word":6971,"sentiment":"neutral","sentiment_score":0.14410808682441711},{"text":"And, yeah, she's really enjoying it. She's a great person. She's just so personable, Yep.","start_word":6972,"end_word":6986,"sentiment":"positive","sentiment_score":0.6244993805885315},{"text":"Yes.","start_word":6987,"end_word":6987,"sentiment":"neutral","sentiment_score":0.3227139413356781},{"text":"and Definitely. she's really, really good to speak to.","start_word":6988,"end_word":6996,"sentiment":"positive","sentiment_score":0.50893634557724},{"text":"Yeah. Yeah. So whenever Yep. you need anything from us, we'll make sure Michelle's the one that you get to talk to there. Oh, And I if love you have that. any questions or concerns, you can ask for me. I work Monday to Thursday, and I work anywhere up until 7PM at night. So I can call you at any time that you need. Okay? Okay. Perfect. Yeah.","start_word":6997,"end_word":7065,"sentiment":"neutral","sentiment_score":0.08085609972476959},{"text":"Excellent. Beautiful. Wonderful. Thank you so much.","start_word":7066,"end_word":7072,"sentiment":"positive","sentiment_score":0.5238822102546692},{"text":"That's that's okay. Before I let you go, I just wanted to update a few more, just some details here for you just for the advice. Yes. Now just sort of goals wise, I know at the moment, you're not sort of needing to draw anything out of super, and that's a half in this 50,000. And that's okay. If anything changes down the track, you're welcome to let me know. But because the workers' compensation claim is expected to go until about the age of 67, do you think that at that time, you'll wanna start drawing an income out of super? Is that sort of where you think your goal might land for that? Yeah. I think so. I don't I don't know how it's gonna look for getting any pension support for me because Yes. I don't understand the whole asset thing. So, yeah, I would need to look at even if I were getting a pension, I Mhmm. would need extra support, however that works, Yes. because the pension's not enough. I mean, No. I will Definitely. there's a lot of things that were in my plan that I will still probably implement because I don't need to be living in a double story townhouse with three bedrooms and three bathrooms by myself. That's not so Yeah. downsizing Yeah. was definitely something I was always going to do, which Yeah. is why I wasn't worried about having a smaller mortgage because I can just, you know, just get a cheaper house. And Yes. that'll Yeah. kill the rest of the mortgage, and I'll be fine with that. But, yeah, it's just managing on So a pension plan to downsize. alone won't be even doable for anybody, I don't believe. But Try and tell No. No. Albanese It's it's that. yeah.","start_word":7073,"end_word":7376,"sentiment":"neutral","sentiment_score":-0.003868936646827742},{"text":"No. It is definitely not enough for anyone to live on.","start_word":7377,"end_word":7387,"sentiment":"negative","sentiment_score":-0.4203275740146637},{"text":"The good thing is I do a lot with the Centrelink space and age pension and assets and income testing and things like that.","start_word":7388,"end_word":7411,"sentiment":"positive","sentiment_score":0.3824558854103088},{"text":"So we can absolutely look at, you know, what we can do at that point, whether you're eligible, what that means for you, and how you draw down income from Super to supplement that for Mhmm. you. Okay? Yep.","start_word":7412,"end_word":7450,"sentiment":"neutral","sentiment_score":0.2475635856389999},{"text":"Beautiful.","start_word":7451,"end_word":7451,"sentiment":"positive","sentiment_score":0.47368723154067993},{"text":"Okay. And you're looking to, down the track, sell the house and downsize a little bit. Do you know Yeah. what when you're sort of thinking about doing that, would that be when you fully retire after age 67 or beforehand? Or Probably beforehand. I'm probably looking at maybe the next three or four years, I suppose. yep.","start_word":7452,"end_word":7509,"sentiment":"neutral","sentiment_score":0.050041262060403824},{"text":"Perfect. That's okay.","start_word":7510,"end_word":7512,"sentiment":"positive","sentiment_score":0.4203490614891052},{"text":"And is there any other goals that you're, you know, looking forward to down the track or that you have down the track that you're hoping to achieve? I haven't thought that far ahead. I do have a a share portfolio, but I've been I've complicated my life with that. So I will probably look at restructuring that, and I don't know what I'll do. Growing that, I think, over time Okay. a little Yep. bit more. Do you wanna keep that building? Yeah. I I'm asking this. Yeah. So I I need to sort that out because it was I changed trustees, and I've gotta do a I can't remember the name of it, but we changed the name on the ownership of the shares without selling them or buying Okay. them again. So I have Yep. to do that for for Yep. every individual holding. And Right. I can't I can't I have no relationship with my broker that collapsed number of years ago.","start_word":7513,"end_word":7678,"sentiment":"neutral","sentiment_score":-0.027514455105032188},{"text":"So just even getting away from her has been the biggest headache in the world.","start_word":7679,"end_word":7693,"sentiment":"negative","sentiment_score":-0.4395067095756531},{"text":"So Yeah. I've gotta do that. I've gotta take take that leap of faith. I'm fine. Absolutely. Are those shares held in a a company or a trust or anything? They're in a trust. In a trust. So what Okay. I yeah. So I I changed trustees. My dad was dying, and I swapped the kids as minor trustees. I'm the major trustee and put the Yep. kids in, but the shares were all held because it's in the trust. It states the person's name as well as the name of Yes. the trust. And Yes. and I have to swap that over so the kids' names are there on the stairs. So there is a name for it that's like a I don't know, nontransactional transfer or some something. Yes. So I made it. But I I just panicked, and I was trying to swap it over before I had to try and get death certificates and stuff. So I do a panic and probably made a mistake, but whatever. Okay. Yeah. That's So, sir, not you're that doing the non transactional ownership of shares. So transferring the contract between trustees without actually buying and selling. Yep. Yep. That's understandable.","start_word":7694,"end_word":7894,"sentiment":"neutral","sentiment_score":-0.026687685400247577},{"text":"Perfect. That's all good. All good.","start_word":7895,"end_word":7900,"sentiment":"positive","sentiment_score":0.5716245770454407},{"text":"So that's something that's gotta be done down the track. Absolutely. And is there anything else that you might be hoping to achieve goal wise? Or it's okay if there's not. I don't know. I'm just, you know, treading No. water treading water's worked for me the last Yeah. few years. So Yeah. so if I can That's keep treading okay. water, I'll be okay. Yep. That's okay. From the the trust, I'm assuming it's a family trust that you do have there, do you earn any income from that? Do you receive I do. any income from that as a Yeah. beneficiary? Yep. How much do you sort of averaging income from that on a yearly basis I think at it's the moment, about or what was the 12,000. okay. Family trucks. H. Yeah.","start_word":7901,"end_word":8035,"sentiment":"neutral","sentiment_score":0.05113724536365933},{"text":"Beautiful. Excellent. Lovely.","start_word":8036,"end_word":8038,"sentiment":"positive","sentiment_score":0.7144083976745605},{"text":"And just having a look at any other assets in your own personal name there as well. You've got your house at the moment. Have you had that, or has anyone had that valued for you recently? Do you know sort of what value the house would be at the moment? I haven't had it valued since I refinanced in 2018 or something like that. Yep. But in COVID, my neighbor's property sold, which is, like, identical to this one. It's the front street. Yep. And they got a million and 50. So I Wow. just say it's worth about a million, Yeah.","start_word":8039,"end_word":8141,"sentiment":"neutral","sentiment_score":0.011630548164248466},{"text":"but I can't Perfect.","start_word":8142,"end_word":8145,"sentiment":"negative","sentiment_score":-0.3593893349170685},{"text":"you know, it's only worth what someone's prepared to pay for it. Isn't that the isn't that That's what you're right. saying? Yeah. That's it. That's it. No. That's okay. I'll put a mill a million on there for you. Mhmm. And other assets I like to sort of consider as well, do you have contents insurance? I do. And I think I'm insured for about 135, which might sound underinsured, but, seriously, everything worth anything was stolen a few years ago. So Yeah. I didn't bother to review that after that because all my good jewelry and everything went. So, you know, I'm not like that. I've got computer and a shitty old television and that sort of thing, but nothing Yep. nothing of any major That's okay. value anymore. Well, one one ring that I wear all the time, so that's it. Everything else is gone. Yep. That's okay. What kind of car do you drive? 2020 RAV four Toyota.","start_word":8146,"end_word":8307,"sentiment":"neutral","sentiment_score":-0.09589231143602069},{"text":"Beautiful. Beautiful.","start_word":8308,"end_word":8309,"sentiment":"positive","sentiment_score":0.600195050239563},{"text":"And if you have to sell that car tomorrow, what do you think you'd want for it? What's the value of TU? I don't know enough about cars to really That's okay. I don't know. Well, I Did I you bought it in if you 20 24 yep. for 40,000. So I don't Okay. know what the depreciation is on that, but That's alright. If you like, I've got some access to some material. I can have a look and see what the the rough valuation is on those sorts of vehicles for you. Sure. Yeah.","start_word":8310,"end_word":8405,"sentiment":"neutral","sentiment_score":0.00072248320793733},{"text":"Beautiful.","start_word":8406,"end_word":8406,"sentiment":"positive","sentiment_score":0.4177960753440857},{"text":"And the shares that you have there in the trust, so that's okay. So having a look income wise, when you consider your growth you're receiving from the from the workers' compensation claim plus the 12,000, you're getting roughly on a yearly basis from the trust there as well. So you're Mhmm. earning roughly a bit over 80,000 per year income wise. Well, where the fuck does that all go? Sorry. Understandable. There's a lot of bills in there with mortgage repayments and all the I'm bits and not. pieces and food and living and Yeah. no. That that's okay. So money is a bit tight at the moment. You're not really saving anything. Everything that's coming in is sort of going out towards the bills is what you're sort of Yeah. finding. Yeah. Yeah. That's okay. All good.","start_word":8407,"end_word":8545,"sentiment":"neutral","sentiment_score":-0.024749943986535072},{"text":"Beautiful.","start_word":8546,"end_word":8546,"sentiment":"positive","sentiment_score":0.35255858302116394},{"text":"Alright. So what we can do oh, I also just wanted to double check your beneficiaries as well just to make sure everything was in line with your wishes. With everything you've had, I know you've got a lot going on, but have you ever drawn up a will, had a power of attorney, drawn up with a solicitor as well? I am about to do that because my will is so old. And, Yep. like, I I drew that up when my husband died, so that and the kids were Yeah. baby you know, five and three. So Yep.","start_word":8547,"end_word":8646,"sentiment":"neutral","sentiment_score":0.021927547175437212},{"text":"it's like pages and pages of complicated crap, and that's not necessary anymore because Yeah.","start_word":8647,"end_word":8661,"sentiment":"negative","sentiment_score":-0.3412030041217804},{"text":"they're both in their thirties. So Yeah. Yep. so I definitely need to do a new will. Yep. And I think in the super, I've just got $50.50 for the kids. Correct. Yeah. There's I've got yeah. Jackson and Natasha on both of the aware and the hub 24 for $50.50 each.","start_word":8662,"end_word":8713,"sentiment":"neutral","sentiment_score":0.08150790631771088},{"text":"So you're happy with the way that's structured?","start_word":8714,"end_word":8721,"sentiment":"positive","sentiment_score":0.5106610059738159},{"text":"Yeah. I think so. I'm I'm gonna do some I think I'll put it my son owes me a shit ton of money now after I've got nothing left. And I don't think she plans on paying that back. So I need to somehow make sure my daughter is compensated for that. But I feel like the will's probably the easiest way rather than I mean, Okay. doing it Yeah. in the hub super Yeah. will ensure that if anything happens to me today or in the next week before I do anything about it, you won't walk away with extra. Mhmm. Yeah. There there is another way to structure your beneficiaries if it's better for you to be able to do that, where if you had it directed to your legal personal representative that in the event of passing, your super is paid to your will, it becomes an estate asset. And then as part of your will, you can direct how much goes to each of your kids that way. What did you call that? Because when I talked to the oh, I oh, I have to sorry. Sorry. That was the Yeah. the super It's legal personal representative. Yeah. And that just means that if you ticked legal personal representative on your super, if you were to pass away, your super gets paid to your estate with everything else. And then as part of your will, it just gets combined, and then your will, you just have directed what you want to go to where. And that gives you a bit more control around, you know, having that structured. There's with the beneficiaries $50.50 each at the moment, there's nothing wrong with that in any way, shape, or form. It's just you know, if anything happens, they can claim. They get the benefit paid out $50.50. You know, tax might be considered in there as well. But if you wanted it sort of paid out to your estate combined with everything else that you have on your will and then separated as per your wishes, your will does give you a bit more control around how you want things directed. Yeah. Okay. Definitely worth having a chat with a solicitor about. Yeah. Yeah. Put that on my list. No wonder I'm overwhelmed. I'm putting everything off and not dealing with anything.","start_word":8722,"end_word":9115,"sentiment":"neutral","sentiment_score":0.07841979006901005},{"text":"That's no good.","start_word":9116,"end_word":9118,"sentiment":"negative","sentiment_score":-0.4985588788986206},{"text":"Yeah. No. That's Alright. okay. One thing at a time. And and for the moment, your beneficiaries are here and applied. So if anything happened in the meantime whilst you're getting the will sorted, then everything just you know, the kids can claim $50.50. It's still legitimate as it is at the moment. Okay. Alright. Yeah.","start_word":9119,"end_word":9174,"sentiment":"neutral","sentiment_score":0.04721499606966973},{"text":"Perfect.","start_word":9175,"end_word":9175,"sentiment":"positive","sentiment_score":0.34728360176086426},{"text":"Okeydokey. Yeah. You've got a long list of things there. Just do one I know. thing at a time, make it I a little will. bit easier on yourself. I'll ring this list, though, as soon as I hang up and get Okay. that one I'll ticked let off Michelle my know list. that you'll be calling yeah. I'll let Michelle know that you'll be calling back in Yeah. and that we need to get the withdraw form from Aware organized as a matter of priority. Mhmm. And I'll do up that TWA, and we'll find we'll get that organized for you today. Okay.","start_word":9176,"end_word":9279,"sentiment":"neutral","sentiment_score":0.07633046805858612},{"text":"Thank you so much. Beautiful. That's okay.","start_word":9280,"end_word":9286,"sentiment":"positive","sentiment_score":0.4702916145324707},{"text":"Alright. Not a not a problem at all. I do just have to let you know I'm gonna also get Michelle to send out some annual review docs to you Yes. just to continue with our services for the next twelve months. We just get you to sign and return those back to us. Okay. I know we would have gone through, obviously, our ongoing service fee each year with you as part of your annual review, but do you understand how our services work, how our ongoing service fee works, and, you know, what you're sort of paying for with regard to that? They would have told me when I changed over to you, I'm sure. But Yeah. That's okay.","start_word":9287,"end_word":9407,"sentiment":"neutral","sentiment_score":0.08931251541395818},{"text":"I I can go through it with you. It's honestly fine.","start_word":9408,"end_word":9418,"sentiment":"positive","sentiment_score":0.4219279885292053},{"text":"With our ongoing service agreement, we do charge an ongoing service fee of 1.65%. That is deducted from super. So you don't pay for that out of your back pocket in any way. Yep. On a monthly basis, it's a smaller percentage. So the 1.65% fluctuates with the market. Our fee is linked to the performance of the market and your super. And, yeah, you just pay that on a monthly basis, 1.65% over the course of the year, and that's the ongoing service for us to look after your super, make sure we're providing advice, assist ongoing in any additional areas that we might need that you might need at the moment as well.","start_word":9419,"end_word":9533,"sentiment":"neutral","sentiment_score":0.20233330130577087},{"text":"And we just get that signed each year to continue with our services so we can keep looking after everything for you.","start_word":9534,"end_word":9555,"sentiment":"positive","sentiment_score":0.3542707860469818},{"text":"Sure. With your super, I'll just give you a little bit of a rundown on how it's been going as well. So sorry. Yeah. One of the things that they kinda mentioned, one of your investments has been underperforming a little bit. So I do wanna kind of remove that out and update your portfolio. So I'll go back and research some investment options to make sure things continue to work harder for you. But Mhmm. over the course of the last year, your portfolio has still made a 9.81% Okay. return. Yeah.","start_word":9556,"end_word":9648,"sentiment":"neutral","sentiment_score":-0.006468072533607483},{"text":"It's still a very good return.","start_word":9649,"end_word":9654,"sentiment":"positive","sentiment_score":0.4892806112766266},{"text":"So you're in a Mhmm. growth portfolio, which means that we're chasing around about a seven to 9% return on a yearly basis. The 9.81 is above what we're chasing. And some people prefer a dollar figure instead of a percent. So it means that the earnings your portfolio has made over the year is over $33,630.","start_word":9655,"end_word":9711,"sentiment":"neutral","sentiment_score":0.15872149927574292},{"text":"Oh, I like that.","start_word":9712,"end_word":9715,"sentiment":"positive","sentiment_score":0.4165131449699402},{"text":"Yeah. I like Yeah. I've you know, I'm I'm okay with that 9.8 because I know what what my shares have been making and stuff. So I sort of have my head around that. So I'm happy with Yeah.","start_word":9716,"end_word":9754,"sentiment":"neutral","sentiment_score":0.20078054070472717},{"text":"the 981, but I do like that number. Beautiful. That's good. Beautiful. Lovely.","start_word":9755,"end_word":9767,"sentiment":"positive","sentiment_score":0.46578946709632874},{"text":"Alright. Well, in Good. your portfolio, you've probably also seen you hold the Benelong concentrated Australian equities managed fund. That's the one that's been underperforming a little bit. So I'm gonna Okay. remove that investment out and replace that with something that's performing a little bit better. Okay. We just wanna make sure that you're not don't have underperforming investments and that things are working harder. I can also just reevaluate the whole portfolio. Just make sure that you're invested correctly, maybe rebalanced if you're taking a bit too much risk in the market, and also just make sure that everything's working harder for you. Okay?","start_word":9768,"end_word":9873,"sentiment":"neutral","sentiment_score":-0.03493773192167282},{"text":"Perfect. Thank you so much.","start_word":9874,"end_word":9878,"sentiment":"positive","sentiment_score":0.4236315190792084},{"text":"That's okay. Now the other thing I just have to sort of talk to you about is the way you are invested. So in that growth portfolio, you normally see about 80% of your super invested in growth assets. So thinking things like Australian shares, international shares, and also listed property, and also commodities. There's some gold and silver in there as well for you. Mhmm. That sort of a portfolio does suit someone who is able to stay invested without accessing their money over the next six years. And because you do see 80% in those high growth or high risk investments, like shares and things, we can expect a negative or a big dip sort of one in every five years. Did you want me to maybe look at reducing some of the risk level for you, or are you comfortable staying where you are at the moment? Yeah. Maybe let's reduce some of the risk. Yep. Yep. That's okay. I just wanna do a quick questionnaire just to see where you might sit on that risk scope there. Mhmm. Now you do earn some individual shares. They are in a trust there, but you have invested, so I can tick that box. And when we're looking at your time horizon, so if we're saying around about age 67 is your time horizon now, it's realistically giving you about a six year time horizon. So we're kind of right on that cost there. So I'll tick Mhmm. the box for you. Now when you think about risk, if risk was a number between one and five, five being very risky, you're a 100% invested in the market, throw it all on black, and one being very safe, not investing, and getting lower returns. How where do you think you might fit on that scale? Picking a number between one and five, what would you sort of how do you think you Probably might fit? a three. Yep.","start_word":9879,"end_word":10207,"sentiment":"neutral","sentiment_score":-0.002804883798205019},{"text":"Perfect. Beautiful.","start_word":10208,"end_word":10209,"sentiment":"positive","sentiment_score":0.5660575032234192},{"text":"And if you saw your investment fall in value, do you think you might wanna put more money in? It could be a buying opportunity. Are you likely to call us and speak to us, or do you think you'd be really cautious in considering selling your investment? How do you think you might react? Probably Colgate. Yep. Perfect. And the second last one here is looking at the average return where you're looking for on a yearly basis. Are you wanting the highest return you can get on a yearly basis? Are you comfortable with chasing maybe six to 8%, four to six percent, two to 4%? What sort of average rate of return do you think you'd be chasing with your super annual investment? No. I'm gonna say the higher one. I want Yeah. the That's 8% absolutely or whatever fine. reason. Yep. That's honestly fine. And have you ever thought about taking out a loan to invest in shares or managed funds, or have you only ever wanted to borrow for, say, property? At one stage, I did borrow for shares, but it wasn't something I was very comfortable with. I probably wouldn't go back Yep. down that path. No. That's okay. That's not a problem. So now you have scored in that growth environment there, which is where you're invested in currently. We can look to because you are getting closer to just maybe starting to reduce your risk level slightly. If we maybe Mhmm. move you down by 10% into that balanced growth environment, it drops the growth investments by 10%. So from 80% invested to 70%, and we're just increasing the lower risk defensive investments gradually. This sort of environment suits a five year time horizon to accessing your money. So you could be in that for the next, you know, one to two years depending on how you feel, but it's more just about stepping down gradually instead of a really big jump in the risk scale. Does that feel like something you'd be comfortable doing Mhmm. now, Yeah. or what's your thoughts? Yeah. No. I think that that's gonna stick That'd be stick good? well with me. Yep. Yes.","start_word":10210,"end_word":10576,"sentiment":"neutral","sentiment_score":0.021707543359729343},{"text":"Beautiful.","start_word":10577,"end_word":10577,"sentiment":"positive","sentiment_score":0.49327176809310913},{"text":"Well, I will go and look at the balanced growth side of things. I'll re look at all the the two super funds, how you're invested, what we're looking at, looking towards your goal, projecting things out there for you. I will also organize my team to get the authority for TAL, and we'll do some research with them on the claim to income protection to see what's happening, where it's at. As I said, it'll take a couple of weeks to do that. So for the time being, we'll get that withdrawal sorted for you for the 50,000 so you can get Mhmm. some money now to help you out. Okay?","start_word":10578,"end_word":10689,"sentiment":"neutral","sentiment_score":0.2017461210489273},{"text":"Beautiful. Excellent. Beautiful. Beautiful.","start_word":10690,"end_word":10693,"sentiment":"positive","sentiment_score":0.5723848342895508},{"text":"Is there anything I might have missed, or is there anything else that you maybe wanted to bring up with me? Or No. I think I think we've covered everything I was looking for yep. at the moment. So Oh, beautiful.","start_word":10694,"end_word":10734,"sentiment":"neutral","sentiment_score":0.020267751067876816},{"text":"Beautiful.","start_word":10735,"end_word":10735,"sentiment":"positive","sentiment_score":0.3680272698402405},{"text":"Was it anything comes up, you're welcome to let me know. You did send that email through the other day mhmm.","start_word":10736,"end_word":10756,"sentiment":"neutral","sentiment_score":0.21909154951572415},{"text":"with those documents, and thank you for doing that.","start_word":10757,"end_word":10765,"sentiment":"positive","sentiment_score":0.4165341854095459},{"text":"So you do have my email there as well, Kate. So if there's anything that you find you might want to bring up or any additional questions, you're welcome to email me or call myself and Michelle, and we will take time to answer those with you.","start_word":10766,"end_word":10812,"sentiment":"neutral","sentiment_score":0.19794805886897637},{"text":"Beautiful. Alright. Wonderful. Thank you so much. Okay? Oh, my pleasure. Thank you so much for your time.","start_word":10813,"end_word":10830,"sentiment":"positive","sentiment_score":0.6764510273933411},{"text":"Have you had any word on this? I haven't had the phone go off. No. Any word on where your Nothing. grandbaby is? No. Nothing? But I've missed a few phone calls from mom who's probably sitting there anxiously waiting too. So Watching. I'll ring her and Yep. say, I have no news. All good. Yeah. Yeah. All good.","start_word":10831,"end_word":10889,"sentiment":"neutral","sentiment_score":-0.05527787283062935},{"text":"Well, thank you.","start_word":10890,"end_word":10892,"sentiment":"positive","sentiment_score":0.4432235360145569},{"text":"I will let you go so you can make that phone Okay. call.","start_word":10893,"end_word":10905,"sentiment":"neutral","sentiment_score":0.1820097118616104},{"text":"Good luck today.","start_word":10906,"end_word":10908,"sentiment":"positive","sentiment_score":0.4491734504699707},{"text":"No worries.","start_word":10909,"end_word":10910,"sentiment":"neutral","sentiment_score":0.26855748891830444},{"text":"I'm Thank very you. excited for you, and Thanks. we will get this sorted for you quickly.","start_word":10911,"end_word":10927,"sentiment":"positive","sentiment_score":0.5988714694976807},{"text":"Okay?","start_word":10928,"end_word":10928,"sentiment":"neutral","sentiment_score":0.2892439067363739},{"text":"Perfect. Thank you. My pleasure. Thank you for taking my call, Kate. Have a good day. Okay. You too.","start_word":10929,"end_word":10947,"sentiment":"positive","sentiment_score":0.6911703944206238},{"text":"Bye.","start_word":10948,"end_word":10948,"sentiment":"neutral","sentiment_score":0.31777223944664},{"text":"Thanks. See you later.","start_word":10949,"end_word":10952,"sentiment":"positive","sentiment_score":0.5318810939788818}],"average":{"sentiment":"neutral","sentiment_score":0.05682359466716105}}}}