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I had to completely negotiate your annual review today. Is now still a good time there for you? Yep. Fantastic. Do you happen to have access to your emails there at the moment as well? Yes. Fantastic. What I'm gonna do is I'm just gonna send you an email. This is some annual review documents there for you just so you can have a look at the information that we are going through just to make it a bit easier on yourself there. Beautiful. Before we jump into the call as well, I do just have to let you know that we do record our calls for quality and training purposes. Are you happy to proceed with that? Yep. Fantastic. Excellent. I'm just pressing send. Send. That should come through quickly for you. No. You're right. I think everything's a little bit slow here as well. It's just the Internet's a tad bit fun with us all at the moment. Wants to work when it wants to. Oh, this is gonna be fun, this Internet today. I love this. I think I pressed send. It just might not come through as fast. Let me just press again. There we go. How's your morning been so far? Yeah. Nice. Nice. Nice. Nice. And this is your week off, essentially? Yep. Oh, fantastic. Okay. It should be coming through any minute for you. It says it has gone through, so that's a positive. We'll take that when. All good. What I can do for you, if you like, because I just start by going through, obviously, the things I need to go through. When when that does happen to pop through, just let me know, and I can direct you through opening up the documents there. But this is part of your annual review this morning. Is there anything particular you wanted to sort of ask or have me touch base on? Or yeah. Yeah. Yep. No. Perfect. Well, just to sort of go through what we do have. So when we did the annual review with you last year, your balance then was about $363,003.79. So your balance this year, you're up to $423,008.98 as of yesterday's date. So it is a good increase on where we were last year, albeit we do know the markets have been a bit up and down, a bit volatile, especially with what has been happening globally there. The US and the Iran war has definitely affected things, but then here in Australia, we've also had high inflationary prices as well, and that has also affected some of the low risk fixed interest side of things. So a little bit of a hit on both sides of it. When I do look at your portfolio as a whole, net of fees, so after fees for the last twelve months, you have received a 7.89% return. So it is really good to see that we've still got some growth in there. Some people do prefer a dollar figure as opposed to a percentage, so it does show that your earnings for the year is about $38,542. So, again, that's a good net figure to receive even though we see what's been going up and down there. Okay? Easy. Now I just wanted to sort of go through I have noticed that one of your investments within your super fund, the Benelon Australian Equities, that one, when I kinda review everything individually, has been underperforming a little bit. So I was thinking as part of what I'd like to do after review is go back and just maybe update the advice for you, maybe look at switching you out of that investment. We wanna make sure that you're not in anything underperforming and maybe just update your investment profile for you. Would that be okay? Yeah. Fantastic. I think when something's underperforming, we know when markets are sort of going up and down, there are points where some investments might not be performing as well as others, and that's why we diversify. However, when we sort of look at the then along Australian equities, but we also look at Australian equities. Generally, Australian equities are actually performing quite well at the moment, and they're not seeing as big of a job as what the Bennelong portion has in your portfolio. So it does kinda tell us that the issue is with the investment itself, with the underlying investments within Benelung and not so much with the market or as, you know, with it normal trading conditions, essentially. So it does kind of flag that we do need to remove that for you. I just wanted to kind of talk a little bit about the different types of investments. So with the way Benelung was putting your portfolio, because it's an actively managed investment, so, essentially, the investment manager within Benelung there, they are they're trying to outperform against the market, and you tend to have a little bit more of a cost involved with having these sorts of investors in your portfolio. Did you want me to look at replacing that with something that is an active manager, or did you want me to look at more of a low cost option for you for investments to replace that one? What would be your preference? Yeah. Yep. Yep. Yep. Yeah. A bit more conservative. Yeah. Absolutely. Yeah. That's okay. No. That's okay. With the investments I do have, obviously, with where you are, you're getting closer to wanting to access. You did sort of mention that you are sort of focused on a little bit more risk mitigation for first sort of a safer route where possible. So if you like, what I could look at doing is I can replace that with a passively managed fund. The passive funds are lower cost. They are not trying to outperform against the market. So it can also lower the risk level of your portfolio as well And, obviously, look at maybe greater diversification. So an investment option with more investments in it than what Van Alon does, because greater diversification can help to mitigate market risk as well. Does that sound like something you'd be comfortable with me looking at? Yeah. Yeah. That's okay. So when you're sort of talking about taking on a bit of risk, what we can do by moving it to a passively managed fund and trying to save a bit of cost and also look at more diversification to mitigate risk, we can do that but still keep you in the same kind of risk profile. So with where you are at the moment, you're actually in a growth portfolio, which generally sees about 80% of your super invested in growth assets. So things like Australian shares, international shares, listed properties, and also commodities. And then the other sort of 20% in lower risk defensive investments, like cash, bonds, and fixed interest. We can look at just maneuvering the investment around so that we have greater diversification, maybe lower fees, more passively managed investment to sort of suit you, but we can still keep that growth asset allocation, which is essentially looking at trying to get greater growth, so more returns over the longer term while still kind of trying to mitigate as much market risk as possible. It's a bit of juggling at, but, essentially, we can replace that with something passive, low cost, provide diversification, and still keep you in that higher risk component trying to get greater returns. Does that make sense? Yeah. Yeah. So I can definitely do the best of both worlds and have a look at those options and generate a portfolio that has been performing well, that has shown great growth, still has the right asset allocation, but maybe might be cheaper for you so you keep more money and you're super working harder. Does that sound alright? Or that sounds good? Yeah. Beautiful. We did have Oh, hasn't it? That's really bizarre. Yeah. That's okay. It may come through after. What I'll even do is after I'll I'll try and resend it again just to see if it's something on this end. We have had a little bit of trouble with the system sending those. That could just be the system too. Right. Okay. Makes sense. Yeah. That's alright. What I'll do is I'll press so resend, and, hopefully, it pops through shortly. If it doesn't and it doesn't come through by the end of the day, if you can just let me know, and we'll try and send it another way for you. Okay? Perfect. So with regards to retirement aspect, we're working on a retirement age of the age 67. Do you still feel like that's where you're tracking or hoping to access super, or do you think you'd like to try and retire earlier? Yes. Yeah. Well, at the moment, like, the age of 67 because are you sort of under the impression that you can't stop working till 67? No. It's like yeah. Yeah. That's okay. So you think you'd probably keep working to age 67? Depend depending on the projected outcome? Yes. That's okay. What I can do, if you like, is I can have a look at, obviously, what we're doing with the advice, look at the investments, and maybe consider what what might be expected at, say, '60, '65, and '67 for you to kinda give you an idea of what's projected based based on the recommendations. And that might give you a bit of an idea of, you know, when you might, if you do wanna sort of stop working earlier, what that might look like for you. Yeah. Perfect. Excellent. And, also, just confirming here. Now I've got it down that you are married as well. Yep. Beautiful. Does your wife have a super? Yeah. That's okay. Do you know roughly if she has a big balance or if it's sorta over or under about a 100,000? No. That's okay. No. That's okay. Just because when I'm projecting out to do retirement aspect, when I'm taking Centrelink into account, I've gotta take you both into account there. So it will just be looking at what your super does without any Centrelink consequences, and then we can kind of go from you know, look at the outcome thereafter. Okay? Beautiful. All good. And just updating a few things here for you. I had it down here, and then I'm looking for a bit of time ahead of you still. So but, realistically, I've got it down here that you are sort of hoping to live on about a thousand dollars a week income in retirement. Is that still what you're thinking? I know that could definitely change. Yep. Perfect. Beautiful. Excellent. And I've got down here, you've got three kids all still at home. Oh, look. I've got a 19 and a 20 year old. They're still technically financial dependent. They still call up and ask for money and they help. No. All good. Not a problem at all. I've got down here. Income was you were on about a 185,000 last year. Is this still about the same? Yep. Yep. Beautiful. So 202,000. Lovely. And I've got down here that you not necessarily putting anything in the super additional to your employer contributions, but you did have a novated lease. So you are salary sacrificing for your vehicle? Yep. Beautiful. Are you open to making additional contributions to super to kind of help build that so you could maybe retire earlier, or you're just wanting to keep what you've got going in now with your employer contributions? Yeah. Yeah. Yeah. That's okay. Did you want me to factor that into the advice for you and maybe make a recommendation on salary sacrificing in the system? Yes. Yeah. Absolutely. So what we can look at doing, is there an amount that you'd be comfortable with? Like, did you wanna start something small, like 50 or $100 a week and then kinda build it from there? Is there an amount and a time frame you'd be comfortable with starting? Yep. Yes. Absolutely. And, like, $50 per week, essentially, starting off small. Because salary sacrifice does reduce your take home pay, it means you can kind of start that off, see how it changes your expenditure, and then just kinda build on it from there. And starting now as opposed to in five or ten years down the track, the compounding effect is larger. So starting with a small amount now still provides a great benefit. But I'll I'll make that recommendation for you, show you what that looks like, and then you can, you know, decide whether you wanna take the recommendations or not. Okay. Perfect. With your assets and liabilities, I had down here your main primary residence last year, rough valuation of 450,000. What sort of value would you put on your house now, do you think? Yes. Fantastic. Excellent. Beautiful. Lovely. And I have a a loan on that one still of about 275,000. Have you reduced the loan a little bit? Oh, fantastic. Are you sort of hoping to have that paid off before you retire, or you still have you're just sipping away at it? What's the plan? And yep. Beautiful. And you're fairly happy with how you're sipping away in a way without reducing it? You're sort of putting extra on top of it on a regular basis? Yeah. That's okay. Well, if you ever did wanna speak to a mortgage broker, I know you probably also got some, but we do also have access to mortgage brokers that can, you know, reassess your loan, the value, help you to sort of structure paying that down before retirement as well. So those are the services that are part of what we do, and it's a complimentary to yourself. So you just need to let us know when and if you want that referral placed through for you. Okay? Yep. Yeah. I've also got down here that you do have some shares with SMG, and they were valued last year about 30,000. Do you still have those? Yep. Oh, fantastic. Excellent. Nice. Nice. No. Okay. It's fantastic. And you're happy just with those sitting there not wanting to look at selling or you'll just keep those until maybe retirement and then look at what to do with the shares. Is that right? Or Pretty much. Yeah. Perfect. And then I've also got your car down here. I'm sorry. It doesn't tell me what kind of car you drive, but it has an asset value of 80,000 around the bounce. Is it how much value you keep on your car? Or yep. Yeah. They do. They absolutely do. Yeah. Perfect. And that's the vehicle that you're paying off through the no dated lease. Is that right? Yep. Fabulous. Lovely. Do you have any other debts, credit cards, personal loans, or anything like that? Yep. Perfect. When we just look at the sorry. The credit card, what's the total value or and that you'd have out in on those? Forty 5,000. Yes. Beautiful. And how much do you owe in personal loans? That is no. That's okay. I understand. Easy. And do you have any other collections or anything else of value that you think you should be that we should note down for you? Or no. That's okay. Not a problem at all. And I've got down here that you hadn't had a will done up, but last year, I believe, it was being finalized. Has that all been completed? Do you have a will, power of attorney, everything set up there? No. That's okay. Something on the list to do. Yep. Yeah. No. No. Understandable. Is that with, like, a solicitor or just a bit of a will kit? Yeah. No. That's okay. All good. I had a look at those the other day. The post office, they used to be about $20.25 bucks. I think they're about 30 odd dollars these days, so getting up there. No. All good. You can also, depending on sort of I I know seeing a solicitor can be a lot more expensive when it comes to doing your will and things like that. But you can also through and I'm just double checking because you're you're in WA. Like, over here in Queensland, New South Wales, we have, like, our RMS and Road and Authority Services. The WA probably has something very similar, and I can find out sort of who who they do them through. But the government agencies that can help you very safely to do up a will, they put you in touch with someone who can draw up a will. They normally charge a very low cost for doing that, and it can also to be done over the phone and by email and things like that. Did you want me to find out if WA has anything like that for you to kinda help get that will and power of attorney completed, or you're happy just with the will kit? Yes. Yeah. That's okay. Someone to take the take the stress away from filling it out. Someone to do it for you. Do you yeah. I've also got on your super here that you don't have a beneficiary nomination applied. I do wanna make sure that is done so that this is obviously protected for you as well. Because if in the event that something happened, if you were to pass away and attached with it, nothing does. But if you were to pass away there with your super not having a beneficiary nomination applied, it means that it goes through probate. The funds aren't paid directly to where you want them to go, and probate can take anywhere from about twelve to eighteen months on a good day. It can take a bit longer, and it means that people can come forward, place a stake on your estate. It doesn't mean that it goes directly to your wife. Normally, it should under state legislation, but if, say, a judge feels that there's someone else with a claim that is valid, they can opt to pay out money to other people as well. So having that beneficiary in place is really important to do. If you I'm happy if you like for my team to prefill the document to make it a bit easier on you so that all you have to do is sign and have a witness. Would you like us to take care of that? Yeah. That's okay. So I've got them here. You just want everything to go to your wife's, is it Kylie? Yep. Beautiful. I've got Kylie's name as Kylie Nadine Condor. Is that right? Fantastic. And do you know her date of birth at all? 04/1982. Beautiful. And this is in the same address that we have for yourself here. Yep. Beautiful. Lovely. And you're happy with a 100% of the benefit being paid to her in the event of something occurring? Yeah. Fantastic. Lovely. And we have a couple of different options for the way a beneficiary can be structured. Obviously, you've got your nonbinding, which is a standard beneficiary nomination. You're essentially putting the direction on your super, and then the trustee has direction as to whether he follows that or not. A binding nomination can be lapsing or non lapsing. So lapsing means you have to redo the form every three years, or non lapsing means it stays in place until you revoke it. Are you happy to have it non lapsed so you don't have to fill the format again, or did you want one of the other options? It does sound good, doesn't it? Not a absolutely. Not a problem. Well, I'll get my team to do that for you, pre fill the document and send it out. Did you want that posted, emailed, or both? What was easier for yourself? That's okay. We can post it if you like to make it easier. Email be okay? Yeah. That's okay. Not a problem at all. And I'll get the team default to make sure it does come through. If anything changes and you need it posted, we can organize that. That's not an issue. Okay. Excellent. So just to kind of look now, as I kinda went through before, you're in that growth kind of environment there. The growth portfolio, we kinda went through with the general asset allocation and how that looks. Because you realistically are retiring or around about 60 or 67 depending on the outcome and the projected forecasted figures forward, you do have time to stay in that kind of growth environment there. The growth portfolio generally suits someone who has at least six years before they want you to access a super because you are in that sort of higher growth environment there. And we are sort of expecting a negative year, sort of one in every six years for this sort of a portfolio. And it's sort of averaging returns of around about seven to 9% on a yearly basis as well. So anything under 7% means the portfolio has underperformed, and anything over 9% means the portfolio has overperformed there. Do you feel like you're fairly comfortable staying within that growth environment, or did you wanna look at reducing the overall risk level of your portfolio as well as altering the investments? Or what's your thoughts there? Yes. Yeah. Beautiful. And the one good thing about where your balance is now so, I mean, the hardest part is we kinda struggle to get our super balance up to that sort of $25,300,000 mark. But once we kinda get over that hump to $2.50 to 300,000, the compounding effect grows a lot more. If you think about someone with a $50,000 balance, a 5% return is much lower, whereas the same 5% return on a $500,000 balance means the return is much higher as well. So that compounding effect as your balance grows a little bit will start to get bigger and bigger and bigger, and you'll see your balance will, you know, grow a lot faster. It is essentially, you know, gets to double and triple a lot faster as we get over that $300,000 hump there. So with your current balance and the current return, it has done very, very well for this year, But we just wanna make sure it continues to do well and just keep it growing and keep it compounding moving forward for you. Okay? Easy. Excellent. I think that's most of everything I needed to go through. When the when the review documents do happen to hit and get to you, they're probably floating over very slowly. They we do have a copy of the hub twenty four performance report in there for you, which outlines the return that you've got there. It also goes through how all the individual investments have sort of performed so you can see what I have gone through. We do have the summary of the insurance and super there as well. And just double checking with that one. So you'll you don't have any insurances paid out of your super at the moment. I know it's something you haven't sort of wanted in the past. We do have the option of having personal insurances, whether it's life cover, total permanent disability cover, income protection, things like that. Are you willing to look at any additional personal insurances, or are you happy just not having those, or do you have them out of pocket elsewhere? Right. So she would have life and TBD and whatnot with Macquarie, but we have you over in Hub 24. So do you know if you have any insurances with Macquarie as well? Okay. Are they sort of paid out of pocket? Or are you do you get not sure. Do you get renewal letters from them at all? Right. Yeah. It would be good to do so. Yeah. Because having a look at the way things are at the moment, you don't have any life, PPD, income protection, or trauma cover. Personal insurance is paid out of your super. So there's no record that I can see that you do have any cover through us or through your super that we can see. If there is anything in Macquarie, it would be kind of worth knowing how much you are covered for just to kind of make sure that, you know, that you the cover is suited to your needs, that it is protecting what you needed to protect. Because at the moment, based on what I can see, if anything happens, if you were to pass away prematurely, the only benefit paid out, to our understanding, is your super, which can be paid out to your beneficiaries. But with total time of disability, that covers you in the event that you're unable to go back to work. I know some employers also have some kind of TBD or income protection benefits. Do you have any of those offered through your employer at all? No. That's okay. And because you work for Rio Tinto. Is that right? Fortescue. No worries. Yep. That's okay. Perfect. Yeah. So TBD pays out like a lump sum benefit or an income stream if you're totally permanently disabled. If you do don't have any TBD, you can get access to your super under that same condition. It's permanent capacity, and we can claim that against your super. But it is worthwhile just making sure that you do have some sort of TBD benefit that suits you because, realistically, if something happened to you, your super balance is quite good. But when you factor in, you know, TBD or not being able to go back to work from, say, now till, you know, ten, twenty, thirty years into retirement, you wanna make sure you've got enough money to cover living expenses and things like that. And that's what TBD is essentially a buffer for. Income protection pays out a lump sum monthly benefit in the event that you're unable to go back to work in the short term due to illness or injury, and they normally have, like, a waiting at a benefit period. And then there's other types of insurances you can't hold inside Superlight Trauma, which pays out a lump sum tax free benefit if you're diagnosed with a major traumatic condition, things like cancer, strokes, heart attacks, certain neurological conditions like Parkinson's and things like that. Trauma is an out of pocket expense. It's not held inside super any longer. But, yeah, if you could have a look at the Macquarie side of things and see what the insurances are there, that would be fantastic. If you do wanna chat to me more about the covers and maybe look at insurances, we absolutely can. They do get more expensive the older you get, but it is still worth making sure that you have the right protection to cover you and your family in the event that something happens. Does that make sense? Yeah. Do you have any questions about insurances or how they work or any other types of cover? Or did you want me to maybe, you know, look at getting some cover just to give you an idea, or did you just wanna look at Macquarie first and see what you've got there? Yep. Yeah. No. That's okay. Not an issue at all. Well, what I'll do is I'll just focus now on just getting the investment side of things sorted for you to the investments, which you're moving the underperforming investments and look at projecting that forward for you to see what that looks like. We can add in that $50 per week salary sacrifice for you and provide the plan. Just takes a couple of weeks to do the research and then get the plan together, and my team will book you back in to have that presented. And then if you decide in the meantime that you do wanna talk about insurance or look at anything additional, just let me know. I'm more than happy to kinda come back and have that conversation and add anything additional into the advice for you. Easy. All good. Is there any other questions or anything else that you wanted me to sort of touch on or anything I might have missed? Or no. That's okay. I'm just sort of having a look back at your last sort of goals there as well. So it was more just about making sure in retirement, you could have the mortgage paid off, looking at salary sacrificing, which we're doing now for you, and then hopefully retiring on about a thousand dollars per week. That still sounds fairly accurate for what you're hoping for. Yep. Beautiful. I've got down here five year goals. We did have this covering the mortgage as much as possible focusing on paying that down prior to you retiring and then again salary sacrifice with a potential to look at in the next five years, and we're happy to do that now for you, which is great. And then under the insurance side of things, when I have a look, as mentioned here, you're comfortable being self insured and understand the risks, not having retail cover, and focusing on paying down debt and building up wealth. So that was kind of the insurance goal that we had back when. Yeah. That's okay. And I'll get the beneficiaries sorted for you as well. Does that sound okay if I missed anything? Or oh, good. Fantastic. Well, I'll go back and do the research there for you. If you find there's anything that you need or something that you wanted to touch base on, let me know. And, yeah, if you could just double check and find out about the Macquarie insurances, I will just let one of my admin team to touch base over the next few weeks to see if you found anything or if you do have anything that we probably need to just be aware of for you. Okay? That's okay. Thank you so much for your time, John. I hope you enjoy the rest of your day. You got any good plans, or just gonna rest until it's time to go get the kids? Beautiful. Beautiful. Oh, oh, good. Well, let me know if that email doesn't come through. Oh, so sorry. I also forgot. You'll also see the ongoing service agreement in that for you as well. So our ongoing service fee, just to make sure I'm clarifying, is 1.65% per annum, and our ongoing service fee is deducting a smaller monthly increments out of your super. That way, it does fluctuate with the market. It means that when our when your super is performing better and increasing, then our fee does increase with it as well. However, when the market takes a bit of a dip, it means that our fee takes a bit of a dip there with it as well. So did you have any questions about the ongoing service fee or any of the other documents that might be attached there? No. All good. And I'll go the on the financial services guide attachment for you with a photo of me and a bit of information on myself as well as a licensed adviser. So you're welcome to have a look at any of that. Let me know if there's any additional questions that you do have. And, yeah, if you're happy with everything and want to stay on board, we just get you to when that eventually gets to you. This time, I'll return those back for me. And if they don't come through by the end of the day, just let me know, and we'll happily make sure we send it out another way for you. Okay? Easy. Thank you so much for your time. I really appreciate you taking the time to speak to me, and I hope you enjoy the rest of your day. Thanks, Donald. Talk to you soon. Thanks. See you 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John. This is Dana from Okie Financial. How are you this afternoon this morning? So sorry. That's good wishful thinking.\n\nApologies about that. I had to completely negotiate your annual review today. Is now still a good time there for you? Yep. Fantastic.\n\nDo you happen to have access to your emails there at the moment as well? Yes. Fantastic. What I'm gonna do is I'm just gonna send you an email. This is some annual review documents there for you just so you can have a look at the information that we are going through just to make it a bit easier on yourself there.\n\nBeautiful. Before we jump into the call as well, I do just have to let you know that we do record our calls for quality and training purposes. Are you happy to proceed with that? Yep. Fantastic.\n\nExcellent. I'm just pressing send. Send. That should come through quickly for you. No.\n\nYou're right. I think everything's a little bit slow here as well. It's just the Internet's a tad bit fun with us all at the moment. Wants to work when it wants to. Oh, this is gonna be fun, this Internet today.\n\nI love this. I think I pressed send. It just might not come through as fast. Let me just press again. There we go.\n\nHow's your morning been so far? Yeah. Nice. Nice. Nice.\n\nNice. And this is your week off, essentially? Yep. Oh, fantastic. Okay.\n\nIt should be coming through any minute for you. It says it has gone through, so that's a positive. We'll take that when. All good. What I can do for you, if you like, because I just start by going through, obviously, the things I need to go through.\n\nWhen when that does happen to pop through, just let me know, and I can direct you through opening up the documents there. But this is part of your annual review this morning. Is there anything particular you wanted to sort of ask or have me touch base on? Or yeah. Yeah.\n\nYep. No. Perfect. Well, just to sort of go through what we do have. So when we did the annual review with you last year, your balance then was about $363,003.79.\n\nSo your balance this year, you're up to $423,008.98 as of yesterday's date. So it is a good increase on where we were last year, albeit we do know the markets have been a bit up and down, a bit volatile, especially with what has been happening globally there. The US and the Iran war has definitely affected things, but then here in Australia, we've also had high inflationary prices as well, and that has also affected some of the low risk fixed interest side of things. So a little bit of a hit on both sides of it. When I do look at your portfolio as a whole, net of fees, so after fees for the last twelve months, you have received a 7.89% return.\n\nSo it is really good to see that we've still got some growth in there. Some people do prefer a dollar figure as opposed to a percentage, so it does show that your earnings for the year is about $38,542. So, again, that's a good net figure to receive even though we see what's been going up and down there. Okay? Easy.\n\nNow I just wanted to sort of go through I have noticed that one of your investments within your super fund, the Benelon Australian Equities, that one, when I kinda review everything individually, has been underperforming a little bit. So I was thinking as part of what I'd like to do after review is go back and just maybe update the advice for you, maybe look at switching you out of that investment. We wanna make sure that you're not in anything underperforming and maybe just update your investment profile for you. Would that be okay? Yeah.\n\nFantastic. I think when something's underperforming, we know when markets are sort of going up and down, there are points where some investments might not be performing as well as others, and that's why we diversify. However, when we sort of look at the then along Australian equities, but we also look at Australian equities. Generally, Australian equities are actually performing quite well at the moment, and they're not seeing as big of a job as what the Bennelong portion has in your portfolio. So it does kinda tell us that the issue is with the investment itself, with the underlying investments within Benelung and not so much with the market or as, you know, with it normal trading conditions, essentially.\n\nSo it does kind of flag that we do need to remove that for you. I just wanted to kind of talk a little bit about the different types of investments. So with the way Benelung was putting your portfolio, because it's an actively managed investment, so, essentially, the investment manager within Benelung there, they are they're trying to outperform against the market, and you tend to have a little bit more of a cost involved with having these sorts of investors in your portfolio. Did you want me to look at replacing that with something that is an active manager, or did you want me to look at more of a low cost option for you for investments to replace that one? What would be your preference?\n\nYeah. Yep. Yep. Yep. Yeah.\n\nA bit more conservative. Yeah. Absolutely. Yeah. That's okay.\n\nNo. That's okay. With the investments I do have, obviously, with where you are, you're getting closer to wanting to access. You did sort of mention that you are sort of focused on a little bit more risk mitigation for first sort of a safer route where possible. So if you like, what I could look at doing is I can replace that with a passively managed fund.\n\nThe passive funds are lower cost. They are not trying to outperform against the market. So it can also lower the risk level of your portfolio as well And, obviously, look at maybe greater diversification. So an investment option with more investments in it than what Van Alon does, because greater diversification can help to mitigate market risk as well. Does that sound like something you'd be comfortable with me looking at?\n\nYeah. Yeah. That's okay. So when you're sort of talking about taking on a bit of risk, what we can do by moving it to a passively managed fund and trying to save a bit of cost and also look at more diversification to mitigate risk, we can do that but still keep you in the same kind of risk profile. So with where you are at the moment, you're actually in a growth portfolio, which generally sees about 80% of your super invested in growth assets.\n\nSo things like Australian shares, international shares, listed properties, and also commodities. And then the other sort of 20% in lower risk defensive investments, like cash, bonds, and fixed interest. We can look at just maneuvering the investment around so that we have greater diversification, maybe lower fees, more passively managed investment to sort of suit you, but we can still keep that growth asset allocation, which is essentially looking at trying to get greater growth, so more returns over the longer term while still kind of trying to mitigate as much market risk as possible. It's a bit of juggling at, but, essentially, we can replace that with something passive, low cost, provide diversification, and still keep you in that higher risk component trying to get greater returns. Does that make sense?\n\nYeah. Yeah. So I can definitely do the best of both worlds and have a look at those options and generate a portfolio that has been performing well, that has shown great growth, still has the right asset allocation, but maybe might be cheaper for you so you keep more money and you're super working harder. Does that sound alright? Or that sounds good?\n\nYeah. Beautiful. We did have Oh, hasn't it? That's really bizarre. Yeah.\n\nThat's okay. It may come through after. What I'll even do is after I'll I'll try and resend it again just to see if it's something on this end. We have had a little bit of trouble with the system sending those. That could just be the system too.\n\nRight. Okay. Makes sense. Yeah. That's alright.\n\nWhat I'll do is I'll press so resend, and, hopefully, it pops through shortly. If it doesn't and it doesn't come through by the end of the day, if you can just let me know, and we'll try and send it another way for you. Okay? Perfect. So with regards to retirement aspect, we're working on a retirement age of the age 67.\n\nDo you still feel like that's where you're tracking or hoping to access super, or do you think you'd like to try and retire earlier? Yes. Yeah. Well, at the moment, like, the age of 67 because are you sort of under the impression that you can't stop working till 67? No.\n\nIt's like yeah. Yeah. That's okay. So you think you'd probably keep working to age 67? Depend depending on the projected outcome?\n\nYes. That's okay. What I can do, if you like, is I can have a look at, obviously, what we're doing with the advice, look at the investments, and maybe consider what what might be expected at, say, '60, '65, and '67 for you to kinda give you an idea of what's projected based based on the recommendations. And that might give you a bit of an idea of, you know, when you might, if you do wanna sort of stop working earlier, what that might look like for you. Yeah.\n\nPerfect. Excellent. And, also, just confirming here. Now I've got it down that you are married as well. Yep.\n\nBeautiful. Does your wife have a super? Yeah. That's okay. Do you know roughly if she has a big balance or if it's sorta over or under about a 100,000?\n\nNo. That's okay. No. That's okay. Just because when I'm projecting out to do retirement aspect, when I'm taking Centrelink into account, I've gotta take you both into account there.\n\nSo it will just be looking at what your super does without any Centrelink consequences, and then we can kind of go from you know, look at the outcome thereafter. Okay? Beautiful. All good. And just updating a few things here for you.\n\nI had it down here, and then I'm looking for a bit of time ahead of you still. So but, realistically, I've got it down here that you are sort of hoping to live on about a thousand dollars a week income in retirement. Is that still what you're thinking? I know that could definitely change. Yep.\n\nPerfect. Beautiful. Excellent. And I've got down here, you've got three kids all still at home. Oh, look.\n\nI've got a 19 and a 20 year old. They're still technically financial dependent. They still call up and ask for money and they help. No. All good.\n\nNot a problem at all. I've got down here. Income was you were on about a 185,000 last year. Is this still about the same? Yep.\n\nYep. Beautiful. So 202,000. Lovely. And I've got down here that you not necessarily putting anything in the super additional to your employer contributions, but you did have a novated lease.\n\nSo you are salary sacrificing for your vehicle? Yep. Beautiful. Are you open to making additional contributions to super to kind of help build that so you could maybe retire earlier, or you're just wanting to keep what you've got going in now with your employer contributions? Yeah.\n\nYeah. Yeah. That's okay. Did you want me to factor that into the advice for you and maybe make a recommendation on salary sacrificing in the system? Yes.\n\nYeah. Absolutely. So what we can look at doing, is there an amount that you'd be comfortable with? Like, did you wanna start something small, like 50 or $100 a week and then kinda build it from there? Is there an amount and a time frame you'd be comfortable with starting?\n\nYep. Yes. Absolutely. And, like, $50 per week, essentially, starting off small. Because salary sacrifice does reduce your take home pay, it means you can kind of start that off, see how it changes your expenditure, and then just kinda build on it from there.\n\nAnd starting now as opposed to in five or ten years down the track, the compounding effect is larger. So starting with a small amount now still provides a great benefit. But I'll I'll make that recommendation for you, show you what that looks like, and then you can, you know, decide whether you wanna take the recommendations or not. Okay. Perfect.\n\nWith your assets and liabilities, I had down here your main primary residence last year, rough valuation of 450,000. What sort of value would you put on your house now, do you think? Yes. Fantastic. Excellent.\n\nBeautiful. Lovely. And I have a a loan on that one still of about 275,000. Have you reduced the loan a little bit? Oh, fantastic.\n\nAre you sort of hoping to have that paid off before you retire, or you still have you're just sipping away at it? What's the plan? And yep. Beautiful. And you're fairly happy with how you're sipping away in a way without reducing it?\n\nYou're sort of putting extra on top of it on a regular basis? Yeah. That's okay. Well, if you ever did wanna speak to a mortgage broker, I know you probably also got some, but we do also have access to mortgage brokers that can, you know, reassess your loan, the value, help you to sort of structure paying that down before retirement as well. So those are the services that are part of what we do, and it's a complimentary to yourself.\n\nSo you just need to let us know when and if you want that referral placed through for you. Okay? Yep. Yeah. I've also got down here that you do have some shares with SMG, and they were valued last year about 30,000.\n\nDo you still have those? Yep. Oh, fantastic. Excellent. Nice.\n\nNice. No. Okay. It's fantastic. And you're happy just with those sitting there not wanting to look at selling or you'll just keep those until maybe retirement and then look at what to do with the shares.\n\nIs that right? Or Pretty much. Yeah. Perfect. And then I've also got your car down here.\n\nI'm sorry. It doesn't tell me what kind of car you drive, but it has an asset value of 80,000 around the bounce. Is it how much value you keep on your car? Or yep. Yeah.\n\nThey do. They absolutely do. Yeah. Perfect. And that's the vehicle that you're paying off through the no dated lease.\n\nIs that right? Yep. Fabulous. Lovely. Do you have any other debts, credit cards, personal loans, or anything like that?\n\nYep. Perfect. When we just look at the sorry. The credit card, what's the total value or and that you'd have out in on those? Forty 5,000.\n\nYes. Beautiful. And how much do you owe in personal loans? That is no. That's okay.\n\nI understand. Easy. And do you have any other collections or anything else of value that you think you should be that we should note down for you? Or no. That's okay.\n\nNot a problem at all. And I've got down here that you hadn't had a will done up, but last year, I believe, it was being finalized. Has that all been completed? Do you have a will, power of attorney, everything set up there? No.\n\nThat's okay. Something on the list to do. Yep. Yeah. No.\n\nNo. Understandable. Is that with, like, a solicitor or just a bit of a will kit? Yeah. No.\n\nThat's okay. All good. I had a look at those the other day. The post office, they used to be about $20.25 bucks. I think they're about 30 odd dollars these days, so getting up there.\n\nNo. All good. You can also, depending on sort of I I know seeing a solicitor can be a lot more expensive when it comes to doing your will and things like that. But you can also through and I'm just double checking because you're you're in WA. Like, over here in Queensland, New South Wales, we have, like, our RMS and Road and Authority Services.\n\nThe WA probably has something very similar, and I can find out sort of who who they do them through. But the government agencies that can help you very safely to do up a will, they put you in touch with someone who can draw up a will. They normally charge a very low cost for doing that, and it can also to be done over the phone and by email and things like that. Did you want me to find out if WA has anything like that for you to kinda help get that will and power of attorney completed, or you're happy just with the will kit? Yes.\n\nYeah. That's okay. Someone to take the take the stress away from filling it out. Someone to do it for you. Do you yeah.\n\nI've also got on your super here that you don't have a beneficiary nomination applied. I do wanna make sure that is done so that this is obviously protected for you as well. Because if in the event that something happened, if you were to pass away and attached with it, nothing does. But if you were to pass away there with your super not having a beneficiary nomination applied, it means that it goes through probate. The funds aren't paid directly to where you want them to go, and probate can take anywhere from about twelve to eighteen months on a good day.\n\nIt can take a bit longer, and it means that people can come forward, place a stake on your estate. It doesn't mean that it goes directly to your wife. Normally, it should under state legislation, but if, say, a judge feels that there's someone else with a claim that is valid, they can opt to pay out money to other people as well. So having that beneficiary in place is really important to do. If you I'm happy if you like for my team to prefill the document to make it a bit easier on you so that all you have to do is sign and have a witness.\n\nWould you like us to take care of that? Yeah. That's okay. So I've got them here. You just want everything to go to your wife's, is it Kylie?\n\nYep. Beautiful. I've got Kylie's name as Kylie Nadine Condor. Is that right? Fantastic.\n\nAnd do you know her date of birth at all? 04/1982. Beautiful. And this is in the same address that we have for yourself here. Yep.\n\nBeautiful. Lovely. And you're happy with a 100% of the benefit being paid to her in the event of something occurring? Yeah. Fantastic.\n\nLovely. And we have a couple of different options for the way a beneficiary can be structured. Obviously, you've got your nonbinding, which is a standard beneficiary nomination. You're essentially putting the direction on your super, and then the trustee has direction as to whether he follows that or not. A binding nomination can be lapsing or non lapsing.\n\nSo lapsing means you have to redo the form every three years, or non lapsing means it stays in place until you revoke it. Are you happy to have it non lapsed so you don't have to fill the format again, or did you want one of the other options? It does sound good, doesn't it? Not a absolutely. Not a problem.\n\nWell, I'll get my team to do that for you, pre fill the document and send it out. Did you want that posted, emailed, or both? What was easier for yourself? That's okay. We can post it if you like to make it easier.\n\nEmail be okay? Yeah. That's okay. Not a problem at all. And I'll get the team default to make sure it does come through.\n\nIf anything changes and you need it posted, we can organize that. That's not an issue. Okay. Excellent. So just to kind of look now, as I kinda went through before, you're in that growth kind of environment there.\n\nThe growth portfolio, we kinda went through with the general asset allocation and how that looks. Because you realistically are retiring or around about 60 or 67 depending on the outcome and the projected forecasted figures forward, you do have time to stay in that kind of growth environment there. The growth portfolio generally suits someone who has at least six years before they want you to access a super because you are in that sort of higher growth environment there. And we are sort of expecting a negative year, sort of one in every six years for this sort of a portfolio. And it's sort of averaging returns of around about seven to 9% on a yearly basis as well.\n\nSo anything under 7% means the portfolio has underperformed, and anything over 9% means the portfolio has overperformed there. Do you feel like you're fairly comfortable staying within that growth environment, or did you wanna look at reducing the overall risk level of your portfolio as well as altering the investments? Or what's your thoughts there? Yes. Yeah.\n\nBeautiful. And the one good thing about where your balance is now so, I mean, the hardest part is we kinda struggle to get our super balance up to that sort of $25,300,000 mark. But once we kinda get over that hump to $2.50 to 300,000, the compounding effect grows a lot more. If you think about someone with a $50,000 balance, a 5% return is much lower, whereas the same 5% return on a $500,000 balance means the return is much higher as well. So that compounding effect as your balance grows a little bit will start to get bigger and bigger and bigger, and you'll see your balance will, you know, grow a lot faster.\n\nIt is essentially, you know, gets to double and triple a lot faster as we get over that $300,000 hump there. So with your current balance and the current return, it has done very, very well for this year, But we just wanna make sure it continues to do well and just keep it growing and keep it compounding moving forward for you. Okay? Easy. Excellent.\n\nI think that's most of everything I needed to go through. When the when the review documents do happen to hit and get to you, they're probably floating over very slowly. They we do have a copy of the hub twenty four performance report in there for you, which outlines the return that you've got there. It also goes through how all the individual investments have sort of performed so you can see what I have gone through. We do have the summary of the insurance and super there as well.\n\nAnd just double checking with that one. So you'll you don't have any insurances paid out of your super at the moment. I know it's something you haven't sort of wanted in the past. We do have the option of having personal insurances, whether it's life cover, total permanent disability cover, income protection, things like that. Are you willing to look at any additional personal insurances, or are you happy just not having those, or do you have them out of pocket elsewhere?\n\nRight. So she would have life and TBD and whatnot with Macquarie, but we have you over in Hub 24. So do you know if you have any insurances with Macquarie as well? Okay. Are they sort of paid out of pocket?\n\nOr are you do you get not sure. Do you get renewal letters from them at all? Right. Yeah. It would be good to do so.\n\nYeah. Because having a look at the way things are at the moment, you don't have any life, PPD, income protection, or trauma cover. Personal insurance is paid out of your super. So there's no record that I can see that you do have any cover through us or through your super that we can see. If there is anything in Macquarie, it would be kind of worth knowing how much you are covered for just to kind of make sure that, you know, that you the cover is suited to your needs, that it is protecting what you needed to protect.\n\nBecause at the moment, based on what I can see, if anything happens, if you were to pass away prematurely, the only benefit paid out, to our understanding, is your super, which can be paid out to your beneficiaries. But with total time of disability, that covers you in the event that you're unable to go back to work. I know some employers also have some kind of TBD or income protection benefits. Do you have any of those offered through your employer at all? No.\n\nThat's okay. And because you work for Rio Tinto. Is that right? Fortescue. No worries.\n\nYep. That's okay. Perfect. Yeah. So TBD pays out like a lump sum benefit or an income stream if you're totally permanently disabled.\n\nIf you do don't have any TBD, you can get access to your super under that same condition. It's permanent capacity, and we can claim that against your super. But it is worthwhile just making sure that you do have some sort of TBD benefit that suits you because, realistically, if something happened to you, your super balance is quite good. But when you factor in, you know, TBD or not being able to go back to work from, say, now till, you know, ten, twenty, thirty years into retirement, you wanna make sure you've got enough money to cover living expenses and things like that. And that's what TBD is essentially a buffer for.\n\nIncome protection pays out a lump sum monthly benefit in the event that you're unable to go back to work in the short term due to illness or injury, and they normally have, like, a waiting at a benefit period. And then there's other types of insurances you can't hold inside Superlight Trauma, which pays out a lump sum tax free benefit if you're diagnosed with a major traumatic condition, things like cancer, strokes, heart attacks, certain neurological conditions like Parkinson's and things like that. Trauma is an out of pocket expense. It's not held inside super any longer. But, yeah, if you could have a look at the Macquarie side of things and see what the insurances are there, that would be fantastic.\n\nIf you do wanna chat to me more about the covers and maybe look at insurances, we absolutely can. They do get more expensive the older you get, but it is still worth making sure that you have the right protection to cover you and your family in the event that something happens. Does that make sense? Yeah. Do you have any questions about insurances or how they work or any other types of cover?\n\nOr did you want me to maybe, you know, look at getting some cover just to give you an idea, or did you just wanna look at Macquarie first and see what you've got there? Yep. Yeah. No. That's okay.\n\nNot an issue at all. Well, what I'll do is I'll just focus now on just getting the investment side of things sorted for you to the investments, which you're moving the underperforming investments and look at projecting that forward for you to see what that looks like. We can add in that $50 per week salary sacrifice for you and provide the plan. Just takes a couple of weeks to do the research and then get the plan together, and my team will book you back in to have that presented. And then if you decide in the meantime that you do wanna talk about insurance or look at anything additional, just let me know.\n\nI'm more than happy to kinda come back and have that conversation and add anything additional into the advice for you. Easy. All good. Is there any other questions or anything else that you wanted me to sort of touch on or anything I might have missed? Or no.\n\nThat's okay. I'm just sort of having a look back at your last sort of goals there as well. So it was more just about making sure in retirement, you could have the mortgage paid off, looking at salary sacrificing, which we're doing now for you, and then hopefully retiring on about a thousand dollars per week. That still sounds fairly accurate for what you're hoping for. Yep.\n\nBeautiful. I've got down here five year goals. We did have this covering the mortgage as much as possible focusing on paying that down prior to you retiring and then again salary sacrifice with a potential to look at in the next five years, and we're happy to do that now for you, which is great. And then under the insurance side of things, when I have a look, as mentioned here, you're comfortable being self insured and understand the risks, not having retail cover, and focusing on paying down debt and building up wealth. So that was kind of the insurance goal that we had back when.\n\nYeah. That's okay. And I'll get the beneficiaries sorted for you as well. Does that sound okay if I missed anything? Or oh, good.\n\nFantastic. Well, I'll go back and do the research there for you. If you find there's anything that you need or something that you wanted to touch base on, let me know. And, yeah, if you could just double check and find out about the Macquarie insurances, I will just let one of my admin team to touch base over the next few weeks to see if you found anything or if you do have anything that we probably need to just be aware of for you. Okay?\n\nThat's okay. Thank you so much for your time, John. I hope you enjoy the rest of your day. You got any good plans, or just gonna rest until it's time to go get the kids? Beautiful.\n\nBeautiful. Oh, oh, good. Well, let me know if that email doesn't come through. Oh, so sorry. I also forgot.\n\nYou'll also see the ongoing service agreement in that for you as well. So our ongoing service fee, just to make sure I'm clarifying, is 1.65% per annum, and our ongoing service fee is deducting a smaller monthly increments out of your super. That way, it does fluctuate with the market. It means that when our when your super is performing better and increasing, then our fee does increase with it as well. However, when the market takes a bit of a dip, it means that our fee takes a bit of a dip there with it as well.\n\nSo did you have any questions about the ongoing service fee or any of the other documents that might be attached there? No. All good. And I'll go the on the financial services guide attachment for you with a photo of me and a bit of information on myself as well as a licensed adviser. So you're welcome to have a look at any of that.\n\nLet me know if there's any additional questions that you do have. And, yeah, if you're happy with everything and want to stay on board, we just get you to when that eventually gets to you. This time, I'll return those back for me. And if they don't come through by the end of the day, just let me know, and we'll happily make sure we send it out another way for you. Okay?\n\nEasy. Thank you so much for your time. I really appreciate you taking the time to speak to me, and I hope you enjoy the rest of your day. Thanks, Donald. Talk to you soon.\n\nThanks. See you later.","paragraphs":[{"sentences":[{"text":"Hi, John.","start":1.92,"end":2.48,"sentiment":"neutral","sentiment_score":0.10230126604437828},{"text":"This is Dana from Okie Financial.","start":2.48,"end":4.1,"sentiment":"neutral","sentiment_score":0.1573080470164617},{"text":"How are you this afternoon this morning?","start":4.16,"end":6.16,"sentiment":"neutral","sentiment_score":0.20131376385688782},{"text":"So sorry.","start":6.16,"end":6.8199997,"sentiment":"neutral","sentiment_score":-0.024833109229803085},{"text":"That's good wishful thinking.","start":8.96,"end":10.32,"sentiment":"positive","sentiment_score":0.40912798047065735}],"sentiment":"neutral","sentiment_score":0.19735680307660783,"num_words":21,"start":1.92,"end":10.32},{"sentences":[{"text":"Apologies about that.","start":10.32,"end":11.62,"sentiment":"neutral","sentiment_score":-0.12576799094676971},{"text":"I had to completely negotiate your annual review today.","start":13.455,"end":15.8550005,"sentiment":"neutral","sentiment_score":-0.04320367404984103},{"text":"Is now still a good time there for you?","start":15.8550005,"end":17.875,"sentiment":"neutral","sentiment_score":0.08778641952408685},{"text":"Yep.","start":18.895,"end":19.375,"sentiment":"neutral","sentiment_score":0.14030101895332336},{"text":"Fantastic.","start":19.375,"end":19.875,"sentiment":"positive","sentiment_score":0.4465634822845459}],"sentiment":"neutral","sentiment_score":0.026556749463729237,"num_words":23,"start":10.32,"end":19.875},{"sentences":[{"text":"Do you happen to have access to your emails there at the moment as well?","start":20.095001,"end":23.315,"sentiment":"neutral","sentiment_score":0.19500341812769573},{"text":"Yes.","start":25.23,"end":25.55,"sentiment":"neutral","sentiment_score":0.23054924607276917},{"text":"Fantastic.","start":25.55,"end":26.05,"sentiment":"positive","sentiment_score":0.5322846174240112},{"text":"What I'm gonna do is I'm just gonna send you an email.","start":26.75,"end":28.75,"sentiment":"neutral","sentiment_score":0.32140665004650754},{"text":"This is some annual review documents there for you just so you can have a look at the information that we are going through just to make it a bit easier on yourself there.","start":28.75,"end":36.85,"sentiment":"neutral","sentiment_score":0.30533339127021675}],"sentiment":"neutral","sentiment_score":0.28454127363742343,"num_words":63,"start":20.095001,"end":36.85},{"sentences":[{"text":"Beautiful.","start":38.285,"end":38.785,"sentiment":"positive","sentiment_score":0.4994361996650696},{"text":"Before we jump into the call as well, I do just have to let you know that we do record our calls for quality and training purposes.","start":39.325,"end":44.525,"sentiment":"neutral","sentiment_score":0.17133039594800384},{"text":"Are you happy to proceed with that?","start":44.525,"end":46.305,"sentiment":"neutral","sentiment_score":0.13451276613133295},{"text":"Yep.","start":47.485,"end":47.965,"sentiment":"neutral","sentiment_score":0.1411769986152649},{"text":"Fantastic.","start":47.965,"end":48.465,"sentiment":"positive","sentiment_score":0.4617510139942169}],"sentiment":"neutral","sentiment_score":0.180266872048378,"num_words":37,"start":38.285,"end":48.465},{"sentences":[{"text":"Excellent.","start":49.245,"end":49.745,"sentiment":"positive","sentiment_score":0.4995066523551941},{"text":"I'm just pressing send.","start":50.285,"end":51.745,"sentiment":"neutral","sentiment_score":0.2972458750009537},{"text":"Send.","start":52.75,"end":53.15,"sentiment":"neutral","sentiment_score":0.24652065336704257},{"text":"That should come through quickly for you.","start":53.15,"end":57.73,"sentiment":"neutral","sentiment_score":0.32188643727983746},{"text":"No.","start":62.190002,"end":62.43,"sentiment":"neutral","sentiment_score":-0.07653576880693436}],"sentiment":"neutral","sentiment_score":0.2936914355627128,"num_words":14,"start":49.245,"end":62.43},{"sentences":[{"text":"You're right.","start":62.43,"end":62.91,"sentiment":"neutral","sentiment_score":-0.07140517234802246},{"text":"I think everything's a little bit slow here as well.","start":62.91,"end":64.91,"sentiment":"neutral","sentiment_score":-0.1280408449470997},{"text":"It's just the Internet's a tad bit fun with us all at the moment.","start":64.91,"end":68.705,"sentiment":"neutral","sentiment_score":-0.05850407600935016},{"text":"Wants to work when it wants to.","start":68.845,"end":70.785,"sentiment":"neutral","sentiment_score":-0.016731238524828638},{"text":"Oh, this is gonna be fun, this Internet today.","start":75.165,"end":77.405,"sentiment":"neutral","sentiment_score":0.17714071025451025}],"sentiment":"neutral","sentiment_score":-0.01821733656383696,"num_words":42,"start":62.43,"end":77.405},{"sentences":[{"text":"I love this.","start":77.405,"end":78.125,"sentiment":"positive","sentiment_score":0.43026482065518695},{"text":"I think I pressed send.","start":78.125,"end":80.93,"sentiment":"neutral","sentiment_score":0.06375249847769737},{"text":"It just might not come through as fast.","start":80.93,"end":83.590004,"sentiment":"neutral","sentiment_score":-0.049560212995857},{"text":"Let me just press again.","start":85.41,"end":86.87,"sentiment":"neutral","sentiment_score":0.018323182128369808},{"text":"There we go.","start":91.57001,"end":92.450005,"sentiment":"neutral","sentiment_score":0.04550505677858988}],"sentiment":"neutral","sentiment_score":0.0600502638068671,"num_words":24,"start":77.405,"end":92.450005},{"sentences":[{"text":"How's your morning been so far?","start":92.450005,"end":94.23,"sentiment":"neutral","sentiment_score":0.08385510991017024},{"text":"Yeah.","start":100.025,"end":100.525,"sentiment":"neutral","sentiment_score":0.06587345898151398},{"text":"Nice.","start":100.585,"end":101.085,"sentiment":"neutral","sentiment_score":0.21878862380981445},{"text":"Nice.","start":102.105,"end":102.605,"sentiment":"neutral","sentiment_score":0.2452349215745926},{"text":"Nice.","start":102.665,"end":103.065,"sentiment":"neutral","sentiment_score":0.2593719959259033}],"sentiment":"neutral","sentiment_score":0.1292399659752846,"num_words":10,"start":92.450005,"end":103.065},{"sentences":[{"text":"Nice.","start":103.065,"end":103.385,"sentiment":"neutral","sentiment_score":0.2141820043325424},{"text":"And this is your week off, essentially?","start":103.385,"end":105.085,"sentiment":"neutral","sentiment_score":0.10361580976418086},{"text":"Yep.","start":106.825005,"end":107.325005,"sentiment":"neutral","sentiment_score":0.08922099322080612},{"text":"Oh, fantastic.","start":107.64,"end":108.3,"sentiment":"neutral","sentiment_score":0.2614753693342209},{"text":"Okay.","start":110.28,"end":110.78,"sentiment":"neutral","sentiment_score":0.2948872745037079}],"sentiment":"neutral","sentiment_score":0.1538793065895637,"num_words":12,"start":103.065,"end":110.78},{"sentences":[{"text":"It should be coming through any minute for you.","start":111.32,"end":113.24,"sentiment":"neutral","sentiment_score":0.318168302377065},{"text":"It says it has gone through, so that's a positive.","start":113.24,"end":116.12,"sentiment":"neutral","sentiment_score":0.3317134350538254},{"text":"We'll take that when.","start":116.12,"end":117.26,"sentiment":"neutral","sentiment_score":0.2521212548017502},{"text":"All good.","start":119.240005,"end":119.9,"sentiment":"positive","sentiment_score":0.3821133077144623},{"text":"What I can do for you, if you like, because I just start by going through, obviously, the things I need to go through.","start":120.335,"end":124.915,"sentiment":"neutral","sentiment_score":0.12275667519619067}],"sentiment":"neutral","sentiment_score":0.2224392022709457,"num_words":49,"start":111.32,"end":124.915},{"sentences":[{"text":"When when that does happen to pop through, just let me know, and I can direct you through opening up the documents there.","start":125.135,"end":130.915,"sentiment":"neutral","sentiment_score":0.06867039236037628},{"text":"But this is part of your annual review this morning.","start":131.055,"end":133.135,"sentiment":"neutral","sentiment_score":0.048455669358372686},{"text":"Is there anything particular you wanted to sort of ask or have me touch base on?","start":133.135,"end":137.23999,"sentiment":"neutral","sentiment_score":0.027619367698207498},{"text":"Or yeah.","start":137.23999,"end":143.18,"sentiment":"neutral","sentiment_score":-0.028271351475268602},{"text":"Yeah.","start":146.59999,"end":147.09999,"sentiment":"neutral","sentiment_score":-0.022590143606066704}],"sentiment":"neutral","sentiment_score":0.046668322201674946,"num_words":52,"start":125.135,"end":147.09999},{"sentences":[{"text":"Yep.","start":148.89499,"end":149.375,"sentiment":"neutral","sentiment_score":0.02622165158390999},{"text":"No.","start":149.375,"end":149.61499,"sentiment":"neutral","sentiment_score":0.0857887715101242},{"text":"Perfect.","start":149.61499,"end":150.11499,"sentiment":"positive","sentiment_score":0.33500969409942627},{"text":"Well, just to sort of go through what we do have.","start":150.33499,"end":152.655,"sentiment":"neutral","sentiment_score":0.1356120759790594},{"text":"So when we did the annual review with you last year, your balance then was about $363,003.79.","start":152.655,"end":159.715,"sentiment":"neutral","sentiment_score":0.1685994986225577}],"sentiment":"neutral","sentiment_score":0.15499820740472886,"num_words":31,"start":148.89499,"end":159.715},{"sentences":[{"text":"So your balance this year, you're up to $423,008.98 as of yesterday's date.","start":159.87,"end":165.23,"sentiment":"neutral","sentiment_score":0.3095439076423645},{"text":"So it is a good increase on where we were last year, albeit we do know the markets have been a bit up and down, a bit volatile, especially with what has been happening globally there.","start":165.23,"end":174.995,"sentiment":"neutral","sentiment_score":0.04454501335405641},{"text":"The US and the Iran war has definitely affected things, but then here in Australia, we've also had high inflationary prices as well, and that has also affected some of the low risk fixed interest side of things.","start":175.295,"end":187.0,"sentiment":"neutral","sentiment_score":-0.3126748839491292},{"text":"So a little bit of a hit on both sides of it.","start":187.0,"end":190.62,"sentiment":"negative","sentiment_score":-0.3830711642901103},{"text":"When I do look at your portfolio as a whole, net of fees, so after fees for the last twelve months, you have received a 7.89% return.","start":191.16,"end":200.54,"sentiment":"neutral","sentiment_score":0.17992577149912162}],"sentiment":"neutral","sentiment_score":-0.047562003579168094,"num_words":126,"start":159.87,"end":200.54},{"sentences":[{"text":"So it is really good to see that we've still got some growth in there.","start":200.6,"end":203.915,"sentiment":"positive","sentiment_score":0.5819635093212128},{"text":"Some people do prefer a dollar figure as opposed to a percentage, so it does show that your earnings for the year is about $38,542.","start":204.215,"end":214.69499,"sentiment":"neutral","sentiment_score":0.24962115287780762},{"text":"So, again, that's a good net figure to receive even though we see what's been going up and down there.","start":214.69499,"end":220.58,"sentiment":"neutral","sentiment_score":0.25602076649665834},{"text":"Okay?","start":220.58,"end":221.08,"sentiment":"neutral","sentiment_score":0.06940671801567078},{"text":"Easy.","start":222.1,"end":222.6,"sentiment":"neutral","sentiment_score":0.11780910193920135}],"sentiment":"neutral","sentiment_score":0.32705826792986165,"num_words":62,"start":200.6,"end":222.6},{"sentences":[{"text":"Now I just wanted to sort of go through I have noticed that one of your investments within your super fund, the Benelon Australian Equities, that one, when I kinda review everything individually, has been underperforming a little bit.","start":223.94,"end":236.365,"sentiment":"neutral","sentiment_score":-0.16361121690044036},{"text":"So I was thinking as part of what I'd like to do after review is go back and just maybe update the advice for you, maybe look at switching you out of that investment.","start":236.365,"end":244.705,"sentiment":"neutral","sentiment_score":-0.12394051012747428},{"text":"We wanna make sure that you're not in anything underperforming and maybe just update your investment profile for you.","start":245.26001,"end":250.54001,"sentiment":"neutral","sentiment_score":-0.0041211933681839395},{"text":"Would that be okay?","start":250.54001,"end":251.6,"sentiment":"neutral","sentiment_score":0.10564255341887474},{"text":"Yeah.","start":253.66,"end":254.06001,"sentiment":"positive","sentiment_score":0.452813982963562}],"sentiment":"neutral","sentiment_score":-0.10100755959595602,"num_words":97,"start":223.94,"end":254.06001},{"sentences":[{"text":"Fantastic.","start":254.06001,"end":254.56001,"sentiment":"positive","sentiment_score":0.7041958570480347},{"text":"I think when something's underperforming, we know when markets are sort of going up and down, there are points where some investments might not be performing as well as others, and that's why we diversify.","start":254.78,"end":264.355,"sentiment":"neutral","sentiment_score":-0.009181112317102296},{"text":"However, when we sort of look at the then along Australian equities, but we also look at Australian equities.","start":265.45502,"end":270.915,"sentiment":"neutral","sentiment_score":-0.01474266759070911},{"text":"Generally, Australian equities are actually performing quite well at the moment, and they're not seeing as big of a job as what the Bennelong portion has in your portfolio.","start":271.54,"end":278.52002,"sentiment":"neutral","sentiment_score":-0.09570083142547257},{"text":"So it does kinda tell us that the issue is with the investment itself, with the underlying investments within Benelung and not so much with the market or as, you know, with it normal trading conditions, essentially.","start":278.66,"end":292.245,"sentiment":"neutral","sentiment_score":-0.1445310377591365}],"sentiment":"neutral","sentiment_score":-0.06628286170827086,"num_words":121,"start":254.06001,"end":292.245},{"sentences":[{"text":"So it does kind of flag that we do need to remove that for you.","start":292.38498,"end":296.245,"sentiment":"neutral","sentiment_score":-0.15035344958305358},{"text":"I just wanted to kind of talk a little bit about the different types of investments.","start":296.85,"end":301.11,"sentiment":"neutral","sentiment_score":-0.004924314096570015},{"text":"So with the way Benelung was putting your portfolio, because it's an actively managed investment, so, essentially, the investment manager within Benelung there, they are they're trying to outperform against the market, and you tend to have a little bit more of a cost involved with having these sorts of investors in your portfolio.","start":301.33,"end":320.815,"sentiment":"neutral","sentiment_score":0.014314591746639323},{"text":"Did you want me to look at replacing that with something that is an active manager, or did you want me to look at more of a low cost option for you for investments to replace that one?","start":321.275,"end":330.38,"sentiment":"neutral","sentiment_score":-0.00034468954330996475},{"text":"What would be your preference?","start":330.38,"end":331.68002,"sentiment":"neutral","sentiment_score":0.027254774421453475}],"sentiment":"neutral","sentiment_score":-0.011233805824304,"num_words":128,"start":292.38498,"end":331.68002},{"sentences":[{"text":"Yeah.","start":340.79498,"end":341.195,"sentiment":"neutral","sentiment_score":0.07889217138290405},{"text":"Yep.","start":341.195,"end":341.695,"sentiment":"neutral","sentiment_score":0.0929839238524437},{"text":"Yep.","start":348.635,"end":349.115,"sentiment":"neutral","sentiment_score":0.07229529321193695},{"text":"Yep.","start":349.115,"end":349.615,"sentiment":"neutral","sentiment_score":0.0655583068728447},{"text":"Yeah.","start":362.58,"end":363.08,"sentiment":"neutral","sentiment_score":-0.028035014867782593}],"sentiment":"neutral","sentiment_score":0.05633893609046936,"num_words":5,"start":340.79498,"end":363.08},{"sentences":[{"text":"A bit more conservative.","start":368.685,"end":369.82498,"sentiment":"neutral","sentiment_score":0.15547615848481655},{"text":"Yeah.","start":370.205,"end":370.525,"sentiment":"neutral","sentiment_score":0.21338501572608948},{"text":"Absolutely.","start":370.525,"end":371.025,"sentiment":"positive","sentiment_score":0.3570775091648102},{"text":"Yeah.","start":371.645,"end":372.145,"sentiment":"neutral","sentiment_score":0.15744245052337646},{"text":"That's okay.","start":374.44498,"end":375.345,"sentiment":"neutral","sentiment_score":-0.02498435787856579}],"sentiment":"neutral","sentiment_score":0.14442676595515674,"num_words":9,"start":368.685,"end":375.345},{"sentences":[{"text":"No.","start":375.88498,"end":376.205,"sentiment":"neutral","sentiment_score":-0.09345673024654388},{"text":"That's okay.","start":376.205,"end":377.025,"sentiment":"neutral","sentiment_score":0.05871308594942093},{"text":"With the investments I do have, obviously, with where you are, you're getting closer to wanting to access.","start":377.62,"end":382.9,"sentiment":"neutral","sentiment_score":0.24511935313542685},{"text":"You did sort of mention that you are sort of focused on a little bit more risk mitigation for first sort of a safer route where possible.","start":382.9,"end":389.96,"sentiment":"neutral","sentiment_score":0.17566647242616723},{"text":"So if you like, what I could look at doing is I can replace that with a passively managed fund.","start":390.785,"end":395.025,"sentiment":"neutral","sentiment_score":0.21305970586836337}],"sentiment":"neutral","sentiment_score":0.1976515686906436,"num_words":68,"start":375.88498,"end":395.025},{"sentences":[{"text":"The passive funds are lower cost.","start":395.025,"end":397.105,"sentiment":"positive","sentiment_score":0.40493668615818024},{"text":"They are not trying to outperform against the market.","start":397.105,"end":399.745,"sentiment":"positive","sentiment_score":0.47612427009476554},{"text":"So it can also lower the risk level of your portfolio as well And, obviously, look at maybe greater diversification.","start":399.745,"end":406.94,"sentiment":"positive","sentiment_score":0.36131579503417016},{"text":"So an investment option with more investments in it than what Van Alon does, because greater diversification can help to mitigate market risk as well.","start":407.32,"end":415.66,"sentiment":"positive","sentiment_score":0.3717969191074371},{"text":"Does that sound like something you'd be comfortable with me looking at?","start":415.72,"end":418.86,"sentiment":"neutral","sentiment_score":0.28269535675644875}],"sentiment":"positive","sentiment_score":0.36983780148956513,"num_words":72,"start":395.025,"end":418.86},{"sentences":[{"text":"Yeah.","start":425.125,"end":425.625,"sentiment":"neutral","sentiment_score":0.1092335283756256},{"text":"Yeah.","start":428.08502,"end":428.58502,"sentiment":"neutral","sentiment_score":0.012161269783973694},{"text":"That's okay.","start":432.005,"end":432.825,"sentiment":"neutral","sentiment_score":0.15786179155111313},{"text":"So when you're sort of talking about taking on a bit of risk, what we can do by moving it to a passively managed fund and trying to save a bit of cost and also look at more diversification to mitigate risk, we can do that but still keep you in the same kind of risk profile.","start":432.885,"end":448.92,"sentiment":"neutral","sentiment_score":0.23321164739236497},{"text":"So with where you are at the moment, you're actually in a growth portfolio, which generally sees about 80% of your super invested in growth assets.","start":449.14,"end":457.99503,"sentiment":"neutral","sentiment_score":0.2309832378075673}],"sentiment":"neutral","sentiment_score":0.22684766052440666,"num_words":87,"start":425.125,"end":457.99503},{"sentences":[{"text":"So things like Australian shares, international shares, listed properties, and also commodities.","start":457.99503,"end":463.05502,"sentiment":"neutral","sentiment_score":0.19870363796750704},{"text":"And then the other sort of 20% in lower risk defensive investments, like cash, bonds, and fixed interest.","start":463.67502,"end":469.96,"sentiment":"neutral","sentiment_score":0.2265334352850914},{"text":"We can look at just maneuvering the investment around so that we have greater diversification, maybe lower fees, more passively managed investment to sort of suit you, but we can still keep that growth asset allocation, which is essentially looking at trying to get greater growth, so more returns over the longer term while still kind of trying to mitigate as much market risk as possible.","start":470.65997,"end":494.97,"sentiment":"neutral","sentiment_score":0.25172726945443585},{"text":"It's a bit of juggling at, but, essentially, we can replace that with something passive, low cost, provide diversification, and still keep you in that higher risk component trying to get greater returns.","start":495.11002,"end":507.785,"sentiment":"neutral","sentiment_score":0.21571921015327628},{"text":"Does that make sense?","start":507.785,"end":508.845,"sentiment":"neutral","sentiment_score":0.16078610345721245}],"sentiment":"neutral","sentiment_score":0.2318640873956501,"num_words":133,"start":457.99503,"end":508.845},{"sentences":[{"text":"Yeah.","start":509.385,"end":509.885,"sentiment":"neutral","sentiment_score":0.19754645228385925},{"text":"Yeah.","start":510.425,"end":510.825,"sentiment":"positive","sentiment_score":0.3668746650218963},{"text":"So I can definitely do the best of both worlds and have a look at those options and generate a portfolio that has been performing well, that has shown great growth, still has the right asset allocation, but maybe might be cheaper for you so you keep more money and you're super working harder.","start":510.825,"end":526.72,"sentiment":"positive","sentiment_score":0.5333726869689094},{"text":"Does that sound alright?","start":526.72,"end":527.86,"sentiment":"neutral","sentiment_score":0.2118210755288601},{"text":"Or that sounds good?","start":529.6,"end":530.88,"sentiment":"neutral","sentiment_score":0.13767436146736145}],"sentiment":"positive","sentiment_score":0.48069574940018356,"num_words":64,"start":509.385,"end":530.88},{"sentences":[{"text":"Yeah.","start":530.88,"end":531.19995,"sentiment":"neutral","sentiment_score":0.06804398447275162},{"text":"Beautiful.","start":531.19995,"end":531.69995,"sentiment":"neutral","sentiment_score":0.19648277759552},{"text":"We did have Oh, hasn't it?","start":532.72,"end":535.72504,"sentiment":"neutral","sentiment_score":-0.12218592315912247},{"text":"That's really bizarre.","start":535.72504,"end":536.945,"sentiment":"neutral","sentiment_score":-0.1644469822446505},{"text":"Yeah.","start":539.085,"end":539.325,"sentiment":"neutral","sentiment_score":-0.04408745840191841}],"sentiment":"neutral","sentiment_score":-0.08383476516852777,"num_words":12,"start":530.88,"end":539.325},{"sentences":[{"text":"That's okay.","start":539.325,"end":539.965,"sentiment":"neutral","sentiment_score":-0.04596911557018757},{"text":"It may come through after.","start":539.965,"end":541.505,"sentiment":"neutral","sentiment_score":-0.07176323980093002},{"text":"What I'll even do is after I'll I'll try and resend it again just to see if it's something on this end.","start":541.965,"end":549.66504,"sentiment":"neutral","sentiment_score":-0.024608340484767476},{"text":"We have had a little bit of trouble with the system sending those.","start":551.07,"end":555.23,"sentiment":"neutral","sentiment_score":-0.27300984584368193},{"text":"That could just be the system too.","start":555.23,"end":557.25,"sentiment":"neutral","sentiment_score":-0.2787970666374479}],"sentiment":"neutral","sentiment_score":-0.1325070486375492,"num_words":49,"start":539.325,"end":557.25},{"sentences":[{"text":"Right.","start":561.70996,"end":562.11,"sentiment":"neutral","sentiment_score":-0.009839942678809166},{"text":"Okay.","start":562.11,"end":562.61,"sentiment":"neutral","sentiment_score":0.013889674097299576},{"text":"Makes sense.","start":562.75,"end":563.57,"sentiment":"neutral","sentiment_score":0.03249805606901646},{"text":"Yeah.","start":563.63,"end":564.02997,"sentiment":"neutral","sentiment_score":0.05386406183242798},{"text":"That's alright.","start":564.02997,"end":564.85,"sentiment":"neutral","sentiment_score":0.11926969140768051}],"sentiment":"neutral","sentiment_score":0.05163561260061605,"num_words":7,"start":561.70996,"end":564.85},{"sentences":[{"text":"What I'll do is I'll press so resend, and, hopefully, it pops through shortly.","start":565.33496,"end":569.75494,"sentiment":"neutral","sentiment_score":0.09084472432732582},{"text":"If it doesn't and it doesn't come through by the end of the day, if you can just let me know, and we'll try and send it another way for you.","start":570.055,"end":576.535,"sentiment":"neutral","sentiment_score":-0.01806335547758687},{"text":"Okay?","start":576.535,"end":577.035,"sentiment":"neutral","sentiment_score":0.034660134464502335},{"text":"Perfect.","start":578.35004,"end":578.85004,"sentiment":"neutral","sentiment_score":0.03146059066057205},{"text":"So with regards to retirement aspect, we're working on a retirement age of the age 67.","start":580.35004,"end":587.23004,"sentiment":"neutral","sentiment_score":0.01908966340124607}],"sentiment":"neutral","sentiment_score":0.017197102544799683,"num_words":63,"start":565.33496,"end":587.23004},{"sentences":[{"text":"Do you still feel like that's where you're tracking or hoping to access super, or do you think you'd like to try and retire earlier?","start":587.23004,"end":593.01,"sentiment":"neutral","sentiment_score":0.003686145283281803},{"text":"Yes.","start":596.805,"end":597.305,"sentiment":"neutral","sentiment_score":0.10061036050319672},{"text":"Yeah.","start":600.165,"end":600.485,"sentiment":"neutral","sentiment_score":0.003660479560494423},{"text":"Well, at the moment, like, the age of 67 because are you sort of under the impression that you can't stop working till 67?","start":600.485,"end":606.985,"sentiment":"neutral","sentiment_score":-0.10534863251571853},{"text":"No.","start":608.46,"end":608.96,"sentiment":"neutral","sentiment_score":-0.3246021866798401}],"sentiment":"neutral","sentiment_score":-0.051087401825218245,"num_words":52,"start":587.23004,"end":608.96},{"sentences":[{"text":"It's like yeah.","start":609.58,"end":619.74005,"sentiment":"neutral","sentiment_score":-0.17123794555664062},{"text":"Yeah.","start":619.74005,"end":619.98004,"sentiment":"neutral","sentiment_score":0.000317426398396492},{"text":"That's okay.","start":619.98004,"end":620.62,"sentiment":"neutral","sentiment_score":0.052759163081645966},{"text":"So you think you'd probably keep working to age 67?","start":620.62,"end":623.44,"sentiment":"neutral","sentiment_score":-0.034779942408204076},{"text":"Depend depending on the projected outcome?","start":625.665,"end":628.40497,"sentiment":"neutral","sentiment_score":-0.017610396258533}],"sentiment":"neutral","sentiment_score":-0.03915181298824874,"num_words":22,"start":609.58,"end":628.40497},{"sentences":[{"text":"Yes.","start":629.90497,"end":630.14496,"sentiment":"neutral","sentiment_score":0.14835619926452637},{"text":"That's okay.","start":630.14496,"end":630.785,"sentiment":"neutral","sentiment_score":0.22204726934432983},{"text":"What I can do, if you like, is I can have a look at, obviously, what we're doing with the advice, look at the investments, and maybe consider what what might be expected at, say, '60, '65, and '67 for you to kinda give you an idea of what's projected based based on the recommendations.","start":630.785,"end":647.33,"sentiment":"neutral","sentiment_score":0.1083226854828271},{"text":"And that might give you a bit of an idea of, you know, when you might, if you do wanna sort of stop working earlier, what that might look like for you.","start":648.19,"end":655.77496,"sentiment":"neutral","sentiment_score":0.05704214749857783},{"text":"Yeah.","start":660.15497,"end":660.65497,"sentiment":"neutral","sentiment_score":0.3064742088317871}],"sentiment":"neutral","sentiment_score":0.09540682822302148,"num_words":91,"start":629.90497,"end":660.65497},{"sentences":[{"text":"Perfect.","start":661.115,"end":661.615,"sentiment":"positive","sentiment_score":0.6675103902816772},{"text":"Excellent.","start":663.115,"end":663.615,"sentiment":"positive","sentiment_score":0.6803638935089111},{"text":"And, also, just confirming here.","start":665.4,"end":666.92,"sentiment":"neutral","sentiment_score":0.26983106434345244},{"text":"Now I've got it down that you are married as well.","start":666.92,"end":670.14,"sentiment":"neutral","sentiment_score":0.13562181862917813},{"text":"Yep.","start":671.48,"end":671.88,"sentiment":"neutral","sentiment_score":0.1397593319416046}],"sentiment":"neutral","sentiment_score":0.22782257591423236,"num_words":19,"start":661.115,"end":671.88},{"sentences":[{"text":"Beautiful.","start":671.88,"end":672.38,"sentiment":"positive","sentiment_score":0.4083569049835205},{"text":"Does your wife have a super?","start":672.44,"end":674.3,"sentiment":"neutral","sentiment_score":0.14523847897847494},{"text":"Yeah.","start":679.915,"end":680.155,"sentiment":"neutral","sentiment_score":0.03766726702451706},{"text":"That's okay.","start":680.155,"end":680.715,"sentiment":"neutral","sentiment_score":0.05936342105269432},{"text":"Do you know roughly if she has a big balance or if it's sorta over or under about a 100,000?","start":680.715,"end":687.135,"sentiment":"neutral","sentiment_score":-0.024554153066128494}],"sentiment":"neutral","sentiment_score":0.03150329422205687,"num_words":30,"start":671.88,"end":687.135},{"sentences":[{"text":"No.","start":689.915,"end":690.155,"sentiment":"neutral","sentiment_score":-0.16400013864040375},{"text":"That's okay.","start":690.155,"end":690.975,"sentiment":"neutral","sentiment_score":-0.18297164142131805},{"text":"No.","start":692.01,"end":692.17004,"sentiment":"neutral","sentiment_score":-0.2072959691286087},{"text":"That's okay.","start":692.17004,"end":692.99,"sentiment":"neutral","sentiment_score":-0.10729001089930534},{"text":"Just because when I'm projecting out to do retirement aspect, when I'm taking Centrelink into account, I've gotta take you both into account 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contributions?","start":795.625,"end":806.57,"sentiment":"neutral","sentiment_score":0.06884984873436592},{"text":"Yeah.","start":812.79,"end":813.29,"sentiment":"neutral","sentiment_score":-0.0121173532679677}],"sentiment":"neutral","sentiment_score":0.05328345463688796,"num_words":48,"start":790.185,"end":813.29},{"sentences":[{"text":"Yeah.","start":813.99,"end":814.31,"sentiment":"neutral","sentiment_score":0.032889775931835175},{"text":"Yeah.","start":814.31,"end":814.81,"sentiment":"neutral","sentiment_score":0.04113873094320297},{"text":"That's okay.","start":816.035,"end":816.595,"sentiment":"neutral","sentiment_score":0.24118874222040176},{"text":"Did you want me to factor that into the advice for you and maybe make a recommendation on salary sacrificing in the 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5,000.","start":1068.115,"end":1069.255,"sentiment":"neutral","sentiment_score":0.005088221048936248}],"sentiment":"neutral","sentiment_score":0.028439098848374905,"num_words":27,"start":1054.6901,"end":1069.255},{"sentences":[{"text":"Yes.","start":1069.315,"end":1069.635,"sentiment":"neutral","sentiment_score":0.057559411972761154},{"text":"Beautiful.","start":1069.635,"end":1070.0349,"sentiment":"neutral","sentiment_score":0.3102025091648102},{"text":"And how much do you owe in personal loans?","start":1070.0349,"end":1072.375,"sentiment":"neutral","sentiment_score":0.04970091829697291},{"text":"That is no.","start":1078.9199,"end":1082.2,"sentiment":"neutral","sentiment_score":-0.029600501681367557},{"text":"That's okay.","start":1082.2,"end":1083.02,"sentiment":"neutral","sentiment_score":0.041811034083366394}],"sentiment":"neutral","sentiment_score":0.05061817180830985,"num_words":16,"start":1069.315,"end":1083.02},{"sentences":[{"text":"I understand.","start":1083.32,"end":1084.0599,"sentiment":"neutral","sentiment_score":0.08980583399534225},{"text":"Easy.","start":1084.44,"end":1084.94,"sentiment":"neutral","sentiment_score":0.1126224547624588},{"text":"And do you have any other collections or anything else of value that you think you should be that we should note down for you?","start":1085.48,"end":1091.5599,"sentiment":"neutral","sentiment_score":0.0419774229824543},{"text":"Or no.","start":1091.5599,"end":1094.6549,"sentiment":"neutral","sentiment_score":-0.025552038103342056},{"text":"That's okay.","start":1094.6549,"end":1095.475,"sentiment":"neutral","sentiment_score":0.005803239182569087}],"sentiment":"neutral","sentiment_score":0.04069287810852984,"num_words":32,"start":1083.32,"end":1095.475},{"sentences":[{"text":"Not a problem at all.","start":1095.5349,"end":1096.995,"sentiment":"neutral","sentiment_score":0.07202648818492889},{"text":"And I've got down here that you hadn't had a will done up, but last year, I believe, it was being finalized.","start":1098.095,"end":1104.2749,"sentiment":"neutral","sentiment_score":0.009763431417840448},{"text":"Has that all been completed?","start":1104.495,"end":1105.7749,"sentiment":"neutral","sentiment_score":0.016474482789635658},{"text":"Do you have a will, power of attorney, everything set up there?","start":1105.7749,"end":1108.515,"sentiment":"neutral","sentiment_score":-0.008792112270991007},{"text":"No.","start":1113.39,"end":1113.7101,"sentiment":"neutral","sentiment_score":-0.0957723706960678}],"sentiment":"neutral","sentiment_score":0.010133836180385616,"num_words":45,"start":1095.5349,"end":1113.7101},{"sentences":[{"text":"That's okay.","start":1113.7101,"end":1114.53,"sentiment":"neutral","sentiment_score":-0.06397614628076553},{"text":"Something on the list to do.","start":1114.8301,"end":1116.3701,"sentiment":"neutral","sentiment_score":-0.026623837028940518},{"text":"Yep.","start":1117.9501,"end":1118.4501,"sentiment":"neutral","sentiment_score":-0.0030929981730878353},{"text":"Yeah.","start":1121.8049,"end":1122.3049,"sentiment":"neutral","sentiment_score":-0.025565633550286293},{"text":"No.","start":1127.445,"end":1127.945,"sentiment":"neutral","sentiment_score":-0.12530165910720825}],"sentiment":"neutral","sentiment_score":-0.04015050959688696,"num_words":11,"start":1113.7101,"end":1127.945},{"sentences":[{"text":"No.","start":1133.085,"end":1133.4049,"sentiment":"neutral","sentiment_score":-0.12318240106105804},{"text":"Understandable.","start":1133.4049,"end":1133.9049,"sentiment":"neutral","sentiment_score":-0.10698890686035156},{"text":"Is that with, like, a solicitor or just a bit of a will kit?","start":1134.205,"end":1137.2649,"sentiment":"neutral","sentiment_score":-0.04551455458360059},{"text":"Yeah.","start":1139.54,"end":1140.02,"sentiment":"neutral","sentiment_score":0.0686236023902893},{"text":"No.","start":1140.02,"end":1140.26,"sentiment":"neutral","sentiment_score":0.000612899661064148}],"sentiment":"neutral","sentiment_score":-0.04434103166891469,"num_words":18,"start":1133.085,"end":1140.26},{"sentences":[{"text":"That's okay.","start":1140.26,"end":1141.0,"sentiment":"neutral","sentiment_score":0.247604601085186},{"text":"All good.","start":1141.2201,"end":1142.04,"sentiment":"positive","sentiment_score":0.5587848126888275},{"text":"I had a look at those the other day.","start":1142.26,"end":1143.7001,"sentiment":"neutral","sentiment_score":0.05163614244924651},{"text":"The post office, they used to be about $20.25 bucks.","start":1143.7001,"end":1146.1001,"sentiment":"neutral","sentiment_score":-0.006421076320111752},{"text":"I think they're about 30 odd dollars these days, so getting up there.","start":1146.1001,"end":1151.4451,"sentiment":"neutral","sentiment_score":0.0037604281678795815}],"sentiment":"neutral","sentiment_score":0.057282747571460076,"num_words":36,"start":1140.26,"end":1151.4451},{"sentences":[{"text":"No.","start":1152.145,"end":1152.645,"sentiment":"neutral","sentiment_score":0.0035251230001449585},{"text":"All good.","start":1152.705,"end":1153.365,"sentiment":"neutral","sentiment_score":0.16589970886707306},{"text":"You can also, depending on sort of I I know seeing a solicitor can be a lot more expensive when it comes to doing your will and things like that.","start":1153.905,"end":1161.75,"sentiment":"neutral","sentiment_score":-0.006685418883959452},{"text":"But you can also through and I'm just double checking because you're you're in WA.","start":1161.99,"end":1168.97,"sentiment":"neutral","sentiment_score":0.0283647566412886},{"text":"Like, over here in Queensland, New South Wales, we have, like, our RMS and Road and Authority Services.","start":1169.27,"end":1174.15,"sentiment":"neutral","sentiment_score":0.028108258214261796}],"sentiment":"neutral","sentiment_score":0.016154272298356802,"num_words":66,"start":1152.145,"end":1174.15},{"sentences":[{"text":"The WA probably has something very similar, and I can find out sort of who who they do them through.","start":1174.15,"end":1179.755,"sentiment":"neutral","sentiment_score":0.025136419758200645},{"text":"But the government agencies that can help you very safely to do up a will, they put you in touch with someone who can draw up a will.","start":1180.215,"end":1186.715,"sentiment":"neutral","sentiment_score":0.09059997062597956},{"text":"They normally charge a very low cost for doing that, and it can also to be done over the phone and by email and things like that.","start":1187.175,"end":1194.3099,"sentiment":"neutral","sentiment_score":0.13407667947036248},{"text":"Did you want me to find out if WA has anything like that for you to kinda help get that will and power of attorney completed, or you're happy just with the will kit?","start":1194.3099,"end":1203.21,"sentiment":"neutral","sentiment_score":0.10309314771610148},{"text":"Yes.","start":1206.525,"end":1206.765,"sentiment":"neutral","sentiment_score":0.1708139926195145}],"sentiment":"neutral","sentiment_score":0.09395980848507447,"num_words":110,"start":1174.15,"end":1206.765},{"sentences":[{"text":"Yeah.","start":1206.765,"end":1207.005,"sentiment":"neutral","sentiment_score":0.22153794765472412},{"text":"That's okay.","start":1207.005,"end":1207.645,"sentiment":"neutral","sentiment_score":0.3135160207748413},{"text":"Someone to take the take the stress away from filling it out.","start":1207.645,"end":1210.605,"sentiment":"neutral","sentiment_score":0.2575308382511139},{"text":"Someone to do it for you.","start":1210.605,"end":1211.985,"sentiment":"neutral","sentiment_score":0.24581741044918695},{"text":"Do you yeah.","start":1213.8049,"end":1215.905,"sentiment":"neutral","sentiment_score":0.15410568565130234}],"sentiment":"neutral","sentiment_score":0.24484006532778343,"num_words":24,"start":1206.765,"end":1215.905},{"sentences":[{"text":"I've also got on your super here that you don't have a beneficiary nomination applied.","start":1217.1799,"end":1221.82,"sentiment":"neutral","sentiment_score":0.09279580414295197},{"text":"I do wanna make sure that is done so that this is obviously protected for you as well.","start":1221.82,"end":1226.38,"sentiment":"neutral","sentiment_score":0.16980237555172709},{"text":"Because if in the event that something happened, if you were to pass away and attached with it, nothing does.","start":1226.38,"end":1231.44,"sentiment":"neutral","sentiment_score":0.008833257481455803},{"text":"But if you were to pass away there with your super not having a beneficiary nomination applied, it means that it goes through probate.","start":1232.335,"end":1238.595,"sentiment":"neutral","sentiment_score":-0.02863341849297285},{"text":"The funds aren't paid directly to where you want them to go, and probate can take anywhere from about twelve to eighteen months on a good day.","start":1238.6549,"end":1246.115,"sentiment":"neutral","sentiment_score":-0.007962745545362984}],"sentiment":"neutral","sentiment_score":0.0357966230591186,"num_words":104,"start":1217.1799,"end":1246.115},{"sentences":[{"text":"It can take a bit longer, and it means that people can come forward, place a stake on your estate.","start":1246.6,"end":1251.74,"sentiment":"neutral","sentiment_score":0.020196814159862696},{"text":"It doesn't mean that it goes directly to your wife.","start":1252.44,"end":1255.1,"sentiment":"neutral","sentiment_score":0.005952045880258083},{"text":"Normally, it should under state legislation, but if, say, a judge feels that there's someone else with a claim that is valid, they can opt to pay out money to other people as well.","start":1255.48,"end":1267.455,"sentiment":"neutral","sentiment_score":0.07060908274177242},{"text":"So having that beneficiary in place is really important to do.","start":1267.455,"end":1271.635,"sentiment":"positive","sentiment_score":0.3766742429950021},{"text":"If you I'm happy if you like for my team to prefill the document to make it a bit easier on you so that all you have to do is sign and have a witness.","start":1272.4149,"end":1281.02,"sentiment":"positive","sentiment_score":0.4331669236932482}],"sentiment":"neutral","sentiment_score":0.20153113234026188,"num_words":110,"start":1246.6,"end":1281.02},{"sentences":[{"text":"Would you like us to take care of that?","start":1281.02,"end":1282.88,"sentiment":"neutral","sentiment_score":0.250692003303104},{"text":"Yeah.","start":1284.46,"end":1284.96,"sentiment":"neutral","sentiment_score":0.01156146265566349},{"text":"That's okay.","start":1286.355,"end":1287.095,"sentiment":"neutral","sentiment_score":0.11747581511735916},{"text":"So I've got them here.","start":1287.5549,"end":1288.595,"sentiment":"neutral","sentiment_score":0.12040993869304657},{"text":"You just want everything to go to your wife's, is it Kylie?","start":1288.595,"end":1292.135,"sentiment":"neutral","sentiment_score":0.078390891974171}],"sentiment":"neutral","sentiment_score":0.13949936275081387,"num_words":29,"start":1281.02,"end":1292.135},{"sentences":[{"text":"Yep.","start":1293.5549,"end":1294.035,"sentiment":"neutral","sentiment_score":0.11458152532577516},{"text":"Beautiful.","start":1294.035,"end":1294.535,"sentiment":"positive","sentiment_score":0.4435488283634186},{"text":"I've got Kylie's name as Kylie Nadine Condor.","start":1295.395,"end":1298.115,"sentiment":"neutral","sentiment_score":0.2071383073925972},{"text":"Is that right?","start":1298.115,"end":1299.015,"sentiment":"neutral","sentiment_score":0.1477142721414566},{"text":"Fantastic.","start":1300.24,"end":1300.74,"sentiment":"neutral","sentiment_score":0.3330220878124237}],"sentiment":"neutral","sentiment_score":0.21367155121905462,"num_words":14,"start":1293.5549,"end":1300.74},{"sentences":[{"text":"And do you know her date of birth at all?","start":1300.88,"end":1302.9,"sentiment":"neutral","sentiment_score":0.07587380297482013},{"text":"04/1982.","start":1306.48,"end":1307.84,"sentiment":"neutral","sentiment_score":0.0326654314994812},{"text":"Beautiful.","start":1307.84,"end":1308.34,"sentiment":"neutral","sentiment_score":0.2957843542098999},{"text":"And this is in the same address that we have for yourself here.","start":1308.7999,"end":1311.86,"sentiment":"neutral","sentiment_score":0.12747614601483712},{"text":"Yep.","start":1313.1951,"end":1313.6951,"sentiment":"neutral","sentiment_score":0.15969407558441162}],"sentiment":"neutral","sentiment_score":0.11169506881672603,"num_words":26,"start":1300.88,"end":1313.6951},{"sentences":[{"text":"Beautiful.","start":1313.755,"end":1314.255,"sentiment":"positive","sentiment_score":0.4450645446777344},{"text":"Lovely.","start":1315.1951,"end":1315.595,"sentiment":"positive","sentiment_score":0.4609213173389435},{"text":"And you're happy with a 100% of the benefit being paid to her in the event of something occurring?","start":1315.595,"end":1320.175,"sentiment":"positive","sentiment_score":0.3989273074426149},{"text":"Yeah.","start":1321.755,"end":1322.155,"sentiment":"neutral","sentiment_score":0.27729088068008423},{"text":"Fantastic.","start":1322.155,"end":1322.655,"sentiment":"positive","sentiment_score":0.5343436598777771}],"sentiment":"positive","sentiment_score":0.4042277932167053,"num_words":23,"start":1313.755,"end":1322.655},{"sentences":[{"text":"Lovely.","start":1323.035,"end":1323.535,"sentiment":"positive","sentiment_score":0.4451032280921936},{"text":"And we have a couple of different options for the way a beneficiary can be structured.","start":1324.395,"end":1328.3401,"sentiment":"neutral","sentiment_score":0.17933307541534305},{"text":"Obviously, you've got your nonbinding, which is a standard beneficiary nomination.","start":1329.28,"end":1334.26,"sentiment":"neutral","sentiment_score":0.1151597797870636},{"text":"You're essentially putting the direction on your super, and then the trustee has direction as to whether he follows that or not.","start":1334.8,"end":1342.02,"sentiment":"neutral","sentiment_score":0.13973056795922192},{"text":"A binding nomination can be lapsing or non lapsing.","start":1342.515,"end":1346.035,"sentiment":"neutral","sentiment_score":0.0617214362654421}],"sentiment":"neutral","sentiment_score":0.13916534633707192,"num_words":59,"start":1323.035,"end":1346.035},{"sentences":[{"text":"So lapsing means you have to redo the form every three years, or non lapsing means it stays in place until you revoke it.","start":1346.035,"end":1353.0951,"sentiment":"neutral","sentiment_score":0.08154523714135091},{"text":"Are you happy to have it non lapsed so you don't have to fill the format again, or did you want one of the other options?","start":1353.635,"end":1358.84,"sentiment":"neutral","sentiment_score":0.1243749290991288},{"text":"It does sound good, doesn't it?","start":1361.62,"end":1363.48,"sentiment":"neutral","sentiment_score":0.32618321230014163},{"text":"Not a absolutely.","start":1364.9,"end":1366.44,"sentiment":"neutral","sentiment_score":-0.08485603084166844},{"text":"Not a problem.","start":1367.0599,"end":1367.78,"sentiment":"negative","sentiment_score":-0.48202067613601685}],"sentiment":"neutral","sentiment_score":0.08785972581996072,"num_words":62,"start":1346.035,"end":1367.78},{"sentences":[{"text":"Well, I'll get my team to do that for you, pre fill the document and send it out.","start":1367.78,"end":1372.305,"sentiment":"neutral","sentiment_score":0.04098738222900364},{"text":"Did you want that posted, emailed, or both?","start":1372.305,"end":1374.785,"sentiment":"neutral","sentiment_score":0.028981879353523254},{"text":"What was easier for yourself?","start":1374.785,"end":1376.405,"sentiment":"neutral","sentiment_score":0.051705864071846006},{"text":"That's okay.","start":1381.265,"end":1381.905,"sentiment":"neutral","sentiment_score":0.06829416379332542},{"text":"We can post it if you like to make it easier.","start":1381.905,"end":1384.245,"sentiment":"neutral","sentiment_score":0.08563332056457346}],"sentiment":"neutral","sentiment_score":0.0524252747524191,"num_words":44,"start":1367.78,"end":1384.245},{"sentences":[{"text":"Email be okay?","start":1386.35,"end":1387.49,"sentiment":"neutral","sentiment_score":0.004793353378772736},{"text":"Yeah.","start":1388.0299,"end":1388.27,"sentiment":"neutral","sentiment_score":0.06144246459007263},{"text":"That's okay.","start":1388.27,"end":1389.09,"sentiment":"neutral","sentiment_score":0.09809669852256775},{"text":"Not a problem at all.","start":1389.15,"end":1390.19,"sentiment":"neutral","sentiment_score":0.17563774287700654},{"text":"And I'll get the team default to make sure it does come through.","start":1390.19,"end":1392.9299,"sentiment":"neutral","sentiment_score":0.1410835012793541}],"sentiment":"neutral","sentiment_score":0.12434542303284009,"num_words":24,"start":1386.35,"end":1392.9299},{"sentences":[{"text":"If anything changes and you need it posted, we can organize that.","start":1393.39,"end":1396.4299,"sentiment":"neutral","sentiment_score":0.11894255504012108},{"text":"That's not an issue.","start":1396.4299,"end":1397.65,"sentiment":"neutral","sentiment_score":0.03552766051143408},{"text":"Okay.","start":1397.7899,"end":1398.2899,"sentiment":"neutral","sentiment_score":0.10101646184921265},{"text":"Excellent.","start":1399.23,"end":1399.73,"sentiment":"positive","sentiment_score":0.40244561433792114},{"text":"So just to kind of look now, as I kinda went through before, you're in that growth kind of environment there.","start":1401.175,"end":1406.295,"sentiment":"neutral","sentiment_score":0.0743713229894638}],"sentiment":"neutral","sentiment_score":0.09319695285879649,"num_words":39,"start":1393.39,"end":1406.295},{"sentences":[{"text":"The growth portfolio, we kinda went through with the general asset allocation and how that looks.","start":1406.295,"end":1412.235,"sentiment":"neutral","sentiment_score":0.04825371957849711},{"text":"Because you realistically are retiring or around about 60 or 67 depending on the outcome and the projected forecasted figures forward, you do have time to stay in that kind of growth environment there.","start":1412.63,"end":1425.8301,"sentiment":"neutral","sentiment_score":0.002853048061404158},{"text":"The growth portfolio generally suits someone who has at least six years before they want you to access a super because you are in that sort of higher growth environment there.","start":1425.8301,"end":1435.395,"sentiment":"neutral","sentiment_score":-0.061926874181916634},{"text":"And we are sort of expecting a negative year, sort of one in every six years for this sort of a portfolio.","start":1435.4551,"end":1440.915,"sentiment":"negative","sentiment_score":-0.36211678182536905},{"text":"And it's sort of averaging returns of around about seven to 9% on a yearly basis as well.","start":1441.9701,"end":1447.73,"sentiment":"neutral","sentiment_score":0.016977047444217734}],"sentiment":"neutral","sentiment_score":-0.07199712643353653,"num_words":121,"start":1406.295,"end":1447.73},{"sentences":[{"text":"So anything under 7% means the portfolio has underperformed, and anything over 9% means the portfolio has overperformed there.","start":1447.73,"end":1455.8301,"sentiment":"neutral","sentiment_score":0.01669857415713762},{"text":"Do you feel like you're fairly comfortable staying within that growth environment, or did you wanna look at reducing the overall risk level of your portfolio as well as altering the investments?","start":1456.1749,"end":1465.5549,"sentiment":"neutral","sentiment_score":0.011825491557829082},{"text":"Or what's your thoughts there?","start":1465.695,"end":1467.395,"sentiment":"neutral","sentiment_score":0.005264105275273325},{"text":"Yes.","start":1469.7201,"end":1470.2201,"sentiment":"neutral","sentiment_score":-0.029821068048477173},{"text":"Yeah.","start":1475.4801,"end":1475.9801,"sentiment":"neutral","sentiment_score":-0.031895849853754044}],"sentiment":"neutral","sentiment_score":0.011384349091556566,"num_words":58,"start":1447.73,"end":1475.9801},{"sentences":[{"text":"Beautiful.","start":1478.04,"end":1478.54,"sentiment":"positive","sentiment_score":0.6871230602264404},{"text":"And the one good thing about where your balance is now so, I mean, the hardest part is we kinda struggle to get our super balance up to that sort of $25,300,000 mark.","start":1478.68,"end":1488.195,"sentiment":"neutral","sentiment_score":0.13067338995240402},{"text":"But once we kinda get over that hump to $2.50 to 300,000, the compounding effect grows a lot more.","start":1488.195,"end":1494.0549,"sentiment":"neutral","sentiment_score":0.10119769075199177},{"text":"If you think about someone with a $50,000 balance, a 5% return is much lower, whereas the same 5% return on a $500,000 balance means the return is much higher as well.","start":1494.195,"end":1505.2699,"sentiment":"neutral","sentiment_score":0.11632312508299947},{"text":"So that compounding effect as your balance grows a little bit will start to get bigger and bigger and bigger, and you'll see your balance will, you know, grow a lot faster.","start":1505.2699,"end":1514.33,"sentiment":"positive","sentiment_score":0.5436296183615923}],"sentiment":"neutral","sentiment_score":0.23966315250573123,"num_words":117,"start":1478.04,"end":1514.33},{"sentences":[{"text":"It is essentially, you know, gets to double and triple a lot faster as we get over that $300,000 hump there.","start":1514.3899,"end":1521.505,"sentiment":"positive","sentiment_score":0.4463829511687869},{"text":"So with your current balance and the current return, it has done very, very well for this year, But we just wanna make sure it continues to do well and just keep it growing and keep it compounding moving forward for you.","start":1521.505,"end":1534.13,"sentiment":"positive","sentiment_score":0.5209522467283976},{"text":"Okay?","start":1534.1901,"end":1534.6901,"sentiment":"neutral","sentiment_score":0.17739111185073853},{"text":"Easy.","start":1536.43,"end":1536.93,"sentiment":"positive","sentiment_score":0.3619567751884461},{"text":"Excellent.","start":1537.0701,"end":1537.5701,"sentiment":"positive","sentiment_score":0.5935217142105103}],"sentiment":"positive","sentiment_score":0.4907106960361654,"num_words":66,"start":1514.3899,"end":1537.5701},{"sentences":[{"text":"I think that's most of everything I needed to go through.","start":1538.67,"end":1542.3251,"sentiment":"neutral","sentiment_score":0.28439423170956696},{"text":"When the when the review documents do happen to hit and get to you, they're probably floating over very slowly.","start":1542.3251,"end":1548.8251,"sentiment":"neutral","sentiment_score":0.06701187621802092},{"text":"They we do have a copy of the hub twenty four performance report in there for you, which outlines the return that you've got there.","start":1550.485,"end":1557.6799,"sentiment":"neutral","sentiment_score":0.14977419555187224},{"text":"It also goes through how all the individual investments have sort of performed so you can see what I have gone through.","start":1557.98,"end":1563.44,"sentiment":"neutral","sentiment_score":0.18088846856897528},{"text":"We do have the summary of the insurance and super there as well.","start":1563.58,"end":1567.42,"sentiment":"neutral","sentiment_score":0.12869141766658196}],"sentiment":"neutral","sentiment_score":0.15236773296863168,"num_words":91,"start":1538.67,"end":1567.42},{"sentences":[{"text":"And just double checking with that one.","start":1567.42,"end":1569.26,"sentiment":"neutral","sentiment_score":0.08548578087772642},{"text":"So you'll you don't have any insurances paid out of your super at the moment.","start":1569.26,"end":1573.825,"sentiment":"neutral","sentiment_score":-0.007121069480975469},{"text":"I know it's something you haven't sort of wanted in the past.","start":1574.205,"end":1576.865,"sentiment":"neutral","sentiment_score":-0.08203734395404656},{"text":"We do have the option of having personal insurances, whether it's life cover, total permanent disability cover, income protection, things like that.","start":1578.285,"end":1585.62,"sentiment":"neutral","sentiment_score":0.05678643828088587},{"text":"Are you willing to look at any additional personal insurances, or are you happy just not having those, or do you have them out of pocket elsewhere?","start":1585.7,"end":1592.6,"sentiment":"neutral","sentiment_score":0.02197329189490389}],"sentiment":"neutral","sentiment_score":0.016261648431599857,"num_words":83,"start":1567.42,"end":1592.6},{"sentences":[{"text":"Right.","start":1603.9249,"end":1604.325,"sentiment":"neutral","sentiment_score":0.12437832355499268},{"text":"So she would have life and TBD and whatnot with Macquarie, but we have you over in Hub 24.","start":1604.325,"end":1611.6,"sentiment":"neutral","sentiment_score":0.10082381904909485},{"text":"So do you know if you have any insurances with Macquarie as well?","start":1611.98,"end":1616.72,"sentiment":"neutral","sentiment_score":0.08341461620651759},{"text":"Okay.","start":1619.26,"end":1619.74,"sentiment":"neutral","sentiment_score":0.02500014752149582},{"text":"Are they sort of paid out of pocket?","start":1619.74,"end":1621.4199,"sentiment":"neutral","sentiment_score":-0.043903165496885777}],"sentiment":"neutral","sentiment_score":0.06662370761235555,"num_words":42,"start":1603.9249,"end":1621.4199},{"sentences":[{"text":"Or are you do you get not sure.","start":1621.4199,"end":1629.255,"sentiment":"neutral","sentiment_score":-0.07899896893650293},{"text":"Do you get renewal letters from them at all?","start":1629.255,"end":1631.675,"sentiment":"neutral","sentiment_score":-0.0597903182109197},{"text":"Right.","start":1637.6901,"end":1638.1901,"sentiment":"neutral","sentiment_score":-0.10289707779884338},{"text":"Yeah.","start":1642.5701,"end":1642.97,"sentiment":"neutral","sentiment_score":0.0319226011633873},{"text":"It would be good to do so.","start":1642.97,"end":1644.67,"sentiment":"neutral","sentiment_score":0.0680938647793872}],"sentiment":"neutral","sentiment_score":-0.029400847637309477,"num_words":26,"start":1621.4199,"end":1644.67},{"sentences":[{"text":"Yeah.","start":1644.89,"end":1645.2101,"sentiment":"neutral","sentiment_score":0.00032522156834602356},{"text":"Because having a look at the way things are at the moment, you don't have any life, PPD, income protection, or trauma cover.","start":1645.2101,"end":1651.4651,"sentiment":"neutral","sentiment_score":-0.16614296870387119},{"text":"Personal insurance is paid out of your super.","start":1651.4651,"end":1653.785,"sentiment":"neutral","sentiment_score":-0.24180940352380276},{"text":"So there's no record that I can see that you do have any cover through us or through your super that we can see.","start":1653.785,"end":1660.605,"sentiment":"neutral","sentiment_score":-0.17821830355872711},{"text":"If there is anything in Macquarie, it would be kind of worth knowing how much you are covered for just to kind of make sure that, you know, that you the cover is suited to your needs, that it is protecting what you needed to protect.","start":1661.0299,"end":1672.49,"sentiment":"neutral","sentiment_score":0.06642828185273253}],"sentiment":"neutral","sentiment_score":-0.06840173144112616,"num_words":102,"start":1644.89,"end":1672.49},{"sentences":[{"text":"Because at the moment, based on what I can see, if anything happens, if you were to pass away prematurely, the only benefit paid out, to our understanding, is your super, which can be paid out to your beneficiaries.","start":1673.605,"end":1684.985,"sentiment":"neutral","sentiment_score":-0.040717627662114605},{"text":"But with total time of disability, that covers you in the event that you're unable to go back to work.","start":1686.02,"end":1690.84,"sentiment":"neutral","sentiment_score":-0.04361226167529821},{"text":"I know some employers also have some kind of TBD or income protection benefits.","start":1691.22,"end":1696.6,"sentiment":"neutral","sentiment_score":0.004810810089111328},{"text":"Do you have any of those offered through your employer at all?","start":1696.6599,"end":1700.36,"sentiment":"neutral","sentiment_score":0.0026244892117877803},{"text":"No.","start":1705.035,"end":1705.1151,"sentiment":"neutral","sentiment_score":-0.13968178629875183}],"sentiment":"neutral","sentiment_score":-0.02908220100974621,"num_words":86,"start":1673.605,"end":1705.1151},{"sentences":[{"text":"That's okay.","start":1705.1151,"end":1705.935,"sentiment":"neutral","sentiment_score":-0.024510614573955536},{"text":"And because you work for Rio Tinto.","start":1706.155,"end":1708.155,"sentiment":"neutral","sentiment_score":0.017037218968783106},{"text":"Is that right?","start":1708.155,"end":1708.9751,"sentiment":"neutral","sentiment_score":0.029165007174015045},{"text":"Fortescue.","start":1712.2351,"end":1712.7351,"sentiment":"neutral","sentiment_score":-0.004419973585754633},{"text":"No worries.","start":1713.1151,"end":1713.935,"sentiment":"neutral","sentiment_score":0.01751419249922037}],"sentiment":"neutral","sentiment_score":0.012556182437886794,"num_words":15,"start":1705.1151,"end":1713.935},{"sentences":[{"text":"Yep.","start":1715.1201,"end":1715.3601,"sentiment":"neutral","sentiment_score":0.0979822427034378},{"text":"That's okay.","start":1715.3601,"end":1716.18,"sentiment":"neutral","sentiment_score":0.24179144203662872},{"text":"Perfect.","start":1716.8,"end":1717.3,"sentiment":"positive","sentiment_score":0.509665310382843},{"text":"Yeah.","start":1718.4801,"end":1718.8,"sentiment":"neutral","sentiment_score":0.011585114523768423},{"text":"So TBD pays out like a lump sum benefit or an income stream if you're totally permanently disabled.","start":1718.8,"end":1723.9401,"sentiment":"neutral","sentiment_score":0.11357924342155457}],"sentiment":"neutral","sentiment_score":0.13683660579440388,"num_words":23,"start":1715.1201,"end":1723.9401},{"sentences":[{"text":"If you do don't have any TBD, you can get access to your super under that same condition.","start":1724.56,"end":1730.395,"sentiment":"neutral","sentiment_score":0.09576929174363613},{"text":"It's permanent capacity, and we can claim that against your super.","start":1730.395,"end":1733.6951,"sentiment":"neutral","sentiment_score":0.11718512732874263},{"text":"But it is worthwhile just making sure that you do have some sort of TBD benefit that suits you because, realistically, if something happened to you, your super balance is quite good.","start":1734.155,"end":1743.835,"sentiment":"positive","sentiment_score":0.4124714629724622},{"text":"But when you factor in, you know, TBD or not being able to go back to work from, say, now till, you know, ten, twenty, thirty years into retirement, you wanna make sure you've got enough money to cover living expenses and things like that.","start":1743.835,"end":1756.76,"sentiment":"neutral","sentiment_score":0.07129662781953812},{"text":"And that's what TBD is essentially a buffer for.","start":1757.0599,"end":1759.905,"sentiment":"neutral","sentiment_score":0.17125323745939466}],"sentiment":"neutral","sentiment_score":0.18227476396638415,"num_words":115,"start":1724.56,"end":1759.905},{"sentences":[{"text":"Income protection pays out a lump sum monthly benefit in the event that you're unable to go back to work in the short term due to illness or injury, and they normally have, like, a waiting at a benefit period.","start":1760.4651,"end":1771.925,"sentiment":"neutral","sentiment_score":0.07614196818321943},{"text":"And then there's other types of insurances you can't hold inside Superlight Trauma, which pays out a lump sum tax free benefit if you're diagnosed with a major traumatic condition, things like cancer, strokes, heart attacks, certain neurological conditions like Parkinson's and things like that.","start":1772.25,"end":1788.645,"sentiment":"neutral","sentiment_score":0.015782939249442685},{"text":"Trauma is an out of pocket expense.","start":1789.1849,"end":1791.025,"sentiment":"neutral","sentiment_score":-0.07220639181988579},{"text":"It's not held inside super any longer.","start":1791.025,"end":1793.365,"sentiment":"neutral","sentiment_score":-0.1013621176992144},{"text":"But, yeah, if you could have a look at the Macquarie side of things and see what the insurances are there, that would be fantastic.","start":1794.225,"end":1800.245,"sentiment":"neutral","sentiment_score":0.24652552455663682}],"sentiment":"neutral","sentiment_score":0.07019410920028965,"num_words":124,"start":1760.4651,"end":1800.245},{"sentences":[{"text":"If you do wanna chat to me more about the covers and maybe look at insurances, we absolutely can.","start":1801.3701,"end":1806.81,"sentiment":"neutral","sentiment_score":0.19013482842006182},{"text":"They do get more expensive the older you get, but it is still worth making sure that you have the right protection to cover you and your family in the event that something happens.","start":1806.81,"end":1815.4701,"sentiment":"neutral","sentiment_score":0.1824776940047741},{"text":"Does that make sense?","start":1815.9049,"end":1817.1849,"sentiment":"neutral","sentiment_score":0.1793210133910179},{"text":"Yeah.","start":1817.1849,"end":1817.6849,"sentiment":"neutral","sentiment_score":0.1707500517368317},{"text":"Do you have any questions about insurances or how they work or any other types of cover?","start":1818.945,"end":1823.105,"sentiment":"neutral","sentiment_score":0.0922440301407786}],"sentiment":"neutral","sentiment_score":0.16363981271783512,"num_words":75,"start":1801.3701,"end":1823.105},{"sentences":[{"text":"Or did you want me to maybe, you know, look at getting some cover just to give you an idea, or did you just wanna look at Macquarie first and see what you've got there?","start":1823.105,"end":1831.6849,"sentiment":"neutral","sentiment_score":0.13808270086135183},{"text":"Yep.","start":1834.3601,"end":1834.8601,"sentiment":"neutral","sentiment_score":0.04430946335196495},{"text":"Yeah.","start":1838.8401,"end":1839.3401,"sentiment":"neutral","sentiment_score":0.014614281244575976},{"text":"No.","start":1839.7201,"end":1839.9601,"sentiment":"neutral","sentiment_score":-0.007857151329517365},{"text":"That's okay.","start":1839.9601,"end":1840.78,"sentiment":"neutral","sentiment_score":0.07278602942824364}],"sentiment":"neutral","sentiment_score":0.1257383295567706,"num_words":40,"start":1823.105,"end":1840.78},{"sentences":[{"text":"Not an issue at all.","start":1841.24,"end":1842.9401,"sentiment":"neutral","sentiment_score":0.09277162700891495},{"text":"Well, what I'll do is I'll just focus now on just getting the investment side of things sorted for you to the investments, which you're moving the underperforming investments and look at projecting that forward for you to see what that looks like.","start":1843.3201,"end":1853.815,"sentiment":"neutral","sentiment_score":0.15376630182876144},{"text":"We can add in that $50 per week salary sacrifice for you and provide the plan.","start":1854.115,"end":1859.34,"sentiment":"neutral","sentiment_score":0.24458182137459517},{"text":"Just takes a couple of weeks to do the research and then get the plan together, and my team will book you back in to have that presented.","start":1859.34,"end":1865.4401,"sentiment":"neutral","sentiment_score":0.2212370383952345},{"text":"And then if you decide in the meantime that you do wanna talk about insurance or look at anything additional, just let me know.","start":1866.38,"end":1872.855,"sentiment":"neutral","sentiment_score":0.15021893164763847}],"sentiment":"neutral","sentiment_score":0.17921560077831664,"num_words":116,"start":1841.24,"end":1872.855},{"sentences":[{"text":"I'm more than happy to kinda come back and have that conversation and add anything additional into the advice for you.","start":1872.855,"end":1878.795,"sentiment":"positive","sentiment_score":0.43899819254875183},{"text":"Easy.","start":1880.775,"end":1881.275,"sentiment":"positive","sentiment_score":0.4112383723258972},{"text":"All good.","start":1881.415,"end":1882.155,"sentiment":"positive","sentiment_score":0.519724041223526},{"text":"Is there any other questions or anything else that you wanted me to sort of touch on or anything I might have missed?","start":1882.6951,"end":1888.46,"sentiment":"neutral","sentiment_score":0.11737125042987906},{"text":"Or no.","start":1888.46,"end":1892.0599,"sentiment":"neutral","sentiment_score":-0.027057512663304806}],"sentiment":"neutral","sentiment_score":0.2717361680174969,"num_words":49,"start":1872.855,"end":1892.0599},{"sentences":[{"text":"That's okay.","start":1892.0599,"end":1892.86,"sentiment":"neutral","sentiment_score":0.028746542520821095},{"text":"I'm just sort of having a look back at your last sort of goals there as well.","start":1892.86,"end":1896.0599,"sentiment":"neutral","sentiment_score":0.034757171921870285},{"text":"So it was more just about making sure in retirement, you could have the mortgage paid off, looking at salary sacrificing, which we're doing now for you, and then hopefully retiring on about a thousand dollars per week.","start":1896.0599,"end":1909.855,"sentiment":"neutral","sentiment_score":0.033211789731132355},{"text":"That still sounds fairly accurate for what you're hoping for.","start":1909.855,"end":1913.135,"sentiment":"neutral","sentiment_score":0.1592860609292984},{"text":"Yep.","start":1913.135,"end":1913.635,"sentiment":"neutral","sentiment_score":0.13105887174606323}],"sentiment":"neutral","sentiment_score":0.053446066154934024,"num_words":68,"start":1892.0599,"end":1913.635},{"sentences":[{"text":"Beautiful.","start":1913.6951,"end":1914.1951,"sentiment":"positive","sentiment_score":0.6117827892303467},{"text":"I've got down here five year goals.","start":1915.27,"end":1917.11,"sentiment":"neutral","sentiment_score":0.2814042142459324},{"text":"We did have this covering the mortgage as much as possible focusing on paying that down prior to you retiring and then again salary sacrifice with a potential to look at in the next five years, and we're happy to do that now for you, which is great.","start":1917.11,"end":1930.25,"sentiment":"positive","sentiment_score":0.40199894178658724},{"text":"And then under the insurance side of things, when I have a look, as mentioned here, you're comfortable being self insured and understand the risks, not having retail cover, and focusing on paying down debt and building up wealth.","start":1931.525,"end":1942.405,"sentiment":"neutral","sentiment_score":0.21900745252004036},{"text":"So that was kind of the insurance goal that we had back when.","start":1942.405,"end":1946.5,"sentiment":"neutral","sentiment_score":0.2122702839282843}],"sentiment":"neutral","sentiment_score":0.3072070910560864,"num_words":108,"start":1913.6951,"end":1946.5},{"sentences":[{"text":"Yeah.","start":1948.16,"end":1948.66,"sentiment":"neutral","sentiment_score":0.19398099184036255},{"text":"That's okay.","start":1948.8,"end":1949.54,"sentiment":"neutral","sentiment_score":0.2992737293243408},{"text":"And I'll get the beneficiaries sorted for you as well.","start":1951.44,"end":1954.16,"sentiment":"neutral","sentiment_score":0.2291715070605278},{"text":"Does that sound okay if I missed anything?","start":1954.16,"end":1956.42,"sentiment":"neutral","sentiment_score":0.06284118338953704},{"text":"Or oh, good.","start":1956.48,"end":1961.0449,"sentiment":"positive","sentiment_score":0.35285449773073196}],"sentiment":"neutral","sentiment_score":0.1935640200584506,"num_words":24,"start":1948.16,"end":1961.0449},{"sentences":[{"text":"Fantastic.","start":1961.0449,"end":1961.5449,"sentiment":"positive","sentiment_score":0.7373793125152588},{"text":"Well, I'll go back and do the research there for you.","start":1961.845,"end":1964.245,"sentiment":"positive","sentiment_score":0.3954550732265819},{"text":"If you find there's anything that you need or something that you wanted to touch base on, let me know.","start":1964.245,"end":1968.4049,"sentiment":"neutral","sentiment_score":0.186840733140707},{"text":"And, yeah, if you could just double check and find out about the Macquarie insurances, I will just let one of my admin team to touch base over the next few weeks to see if you found anything or if you do have anything that we probably need to just be aware of for you.","start":1968.4049,"end":1981.68,"sentiment":"neutral","sentiment_score":0.10027265711264177},{"text":"Okay?","start":1981.68,"end":1982.18,"sentiment":"neutral","sentiment_score":0.05817883834242821}],"sentiment":"neutral","sentiment_score":0.16360653136772188,"num_words":88,"start":1961.0449,"end":1982.18},{"sentences":[{"text":"That's okay.","start":1984.32,"end":1985.04,"sentiment":"positive","sentiment_score":0.43191245198249817},{"text":"Thank you so much for your time, John.","start":1985.04,"end":1986.64,"sentiment":"positive","sentiment_score":0.6917631030082703},{"text":"I hope you enjoy the rest of your day.","start":1986.64,"end":1988.74,"sentiment":"positive","sentiment_score":0.6804686453607347},{"text":"You got any good plans, or just gonna rest until it's time to go get the kids?","start":1990.9049,"end":1994.5249,"sentiment":"neutral","sentiment_score":0.2672809940927169},{"text":"Beautiful.","start":2000.1849,"end":2000.6849,"sentiment":"positive","sentiment_score":0.34767091274261475}],"sentiment":"positive","sentiment_score":0.4706377121242317,"num_words":37,"start":1984.32,"end":2000.6849},{"sentences":[{"text":"Beautiful.","start":2000.985,"end":2001.485,"sentiment":"neutral","sentiment_score":0.29530879855155945},{"text":"Oh, oh, good.","start":2001.7849,"end":2002.585,"sentiment":"neutral","sentiment_score":0.12384496380885442},{"text":"Well, let me know if that email doesn't come through.","start":2002.585,"end":2004.6649,"sentiment":"neutral","sentiment_score":0.00032738689333200455},{"text":"Oh, so sorry.","start":2004.6649,"end":2005.3849,"sentiment":"neutral","sentiment_score":-0.013771058060228825},{"text":"I also forgot.","start":2005.3849,"end":2006.73,"sentiment":"neutral","sentiment_score":-0.01524831106265386}],"sentiment":"neutral","sentiment_score":0.029152972577139735,"num_words":20,"start":2000.985,"end":2006.73},{"sentences":[{"text":"You'll also see the ongoing service agreement in that for you as well.","start":2007.0299,"end":2010.7899,"sentiment":"neutral","sentiment_score":0.013406072725326968},{"text":"So our ongoing service fee, just to make sure I'm clarifying, is 1.65% per annum, and our ongoing service fee is deducting a smaller monthly increments out of your super.","start":2010.7899,"end":2021.69,"sentiment":"neutral","sentiment_score":0.02306011791030566},{"text":"That way, it does fluctuate with the market.","start":2021.885,"end":2023.9851,"sentiment":"neutral","sentiment_score":0.04192218999378383},{"text":"It means that when our when your super is performing better and increasing, then our fee does increase with it as well.","start":2024.6051,"end":2030.6051,"sentiment":"neutral","sentiment_score":0.04403783931312236},{"text":"However, when the market takes a bit of a dip, it means that our fee takes a bit of a dip there with it as well.","start":2030.6051,"end":2035.3251,"sentiment":"neutral","sentiment_score":-0.007350963468735035}],"sentiment":"neutral","sentiment_score":0.019991590074649214,"num_words":99,"start":2007.0299,"end":2035.3251},{"sentences":[{"text":"So did you have any questions about the ongoing service fee or any of the other documents that might be attached there?","start":2035.3251,"end":2042.13,"sentiment":"neutral","sentiment_score":0.011655655647204681},{"text":"No.","start":2043.5499,"end":2044.0299,"sentiment":"neutral","sentiment_score":-0.07932978868484497},{"text":"All good.","start":2044.0299,"end":2044.51,"sentiment":"neutral","sentiment_score":-0.002877756953239441},{"text":"And I'll go the on the financial services guide attachment for you with a photo of me and a bit of information on myself as well as a licensed adviser.","start":2044.51,"end":2052.765,"sentiment":"neutral","sentiment_score":0.07613251159588495},{"text":"So you're welcome to have a look at any of that.","start":2052.765,"end":2055.085,"sentiment":"neutral","sentiment_score":0.1816630498929457}],"sentiment":"neutral","sentiment_score":0.06747890936888078,"num_words":66,"start":2035.3251,"end":2055.085},{"sentences":[{"text":"Let me know if there's any additional questions that you do have.","start":2055.085,"end":2057.565,"sentiment":"neutral","sentiment_score":0.23729714130361876},{"text":"And, yeah, if you're happy with everything and want to stay on board, we just get you to when that eventually gets to you.","start":2057.565,"end":2062.92,"sentiment":"positive","sentiment_score":0.4361722817023595},{"text":"This time, I'll return those back for me.","start":2062.92,"end":2065.24,"sentiment":"neutral","sentiment_score":0.14400567300617695},{"text":"And if they don't come through by the end of the day, just let me know, and we'll happily make sure we send it out another way for you.","start":2065.24,"end":2070.84,"sentiment":"neutral","sentiment_score":0.11790695471753335},{"text":"Okay?","start":2070.84,"end":2071.34,"sentiment":"neutral","sentiment_score":0.11493682861328124}],"sentiment":"neutral","sentiment_score":0.24327005886447592,"num_words":74,"start":2055.085,"end":2071.34},{"sentences":[{"text":"Easy.","start":2072.84,"end":2073.32,"sentiment":"positive","sentiment_score":0.585320234298706},{"text":"Thank you so much for your time.","start":2073.32,"end":2074.615,"sentiment":"positive","sentiment_score":0.832105781350817},{"text":"I really appreciate you taking the time to speak to me, and I hope you enjoy the rest of your day.","start":2074.615,"end":2078.7952,"sentiment":"positive","sentiment_score":0.8210100730260214},{"text":"Thanks, 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Not too bad. Thank you. Yep. Yes. I do. Yep. Yep. Okay. So we are in WA. Everything's a bit slower over here. Yep. Yep. Yep. Not so bad. Yeah. Just done the usual drop kids at school, and now just yeah. I was waiting for this phone call. Yeah. Yep. Thursday off today. Yeah. Alright. Yep. Not really. I had checked it a few times during the year. Obviously, it's going up, and then it drops with what's going on in the world. But yeah. No no real questions. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. I'd sort of with everything that's going on, I'm probably looking at the safer options. But, obviously, I'm I'm well, well, I'm 48 now, so I've got another ten years of working or so, hopefully. So I'd I'd like to yeah. I think when I first set this up, I was I went more of a high risk option because I I wanna get some super built. But also, like I said, I'm I'm more of a safer person usually, if that makes sense. Yeah. So yeah. I'm not really sure which way to go. Yep. Yep. So like I said, I'm I'm in the two minds on it. Like, I I I wanna see it grow, obviously. And to do that, I've gotta take that bit of a risk. So, yeah, I I don't know. Yeah. Yep. Yep. Yep. That that's it. Yep. Yeah. No. That does sound alright. Yep. Yep. Sorry. This email still hasn't come through. No. Like I said, we are in WA. Yep. It's usually I think last time I did this, it it took ages for it to come through as well. Yep. Yep. Yeah. Right. Yep. I'd definitely like to go earlier, but yeah. Yeah. At this point, it is what it is, I suppose. No. It's just more building that that level up to to a point where I can stop working, I suppose. Let's see if I have. Yeah. Yep. Yep. Alright. Yeah. Yep. Yep. Yes. She does. I don't know who it's with. I think it might be Macquarie. I don't know. That's something I've actually never asked us. Yep. Okay. Yep. Yeah. Yeah. I would have thought that should be enough at at that retirement age. Yeah. Yeah. Also, I'm at the moment. I'm trying to get rid of them, but they won't leave. Yep. Yeah. It's gone up a little bit. So my total package is 202,000. Yes. Yep. No. I am actually starting to get to that point where I I realize I've gotta add a bit more in. Well, I want to add a bit more in. So yeah. Yep. Yeah. Yes, please. Yeah. Just so I can sort of have a look at the the edit. It's probably I don't know. Anything's better than nothing, isn't it? So if it was even if it was that $50 a week sort of thing, that'd be yeah. Yep. Yep. Yep. So with everything that's been going on, yeah, there's been a few houses around my area that have sold for a bit more. Yeah. I think it's gone up to around that 500 sort of mark at the moment. Yeah. It's about 255 now. I'd I'd I'd like I'd like to have it gone before our entire, but yeah. It yeah. Yeah. It's wrong. So yeah. Yep. Okay. That's yeah. It's good to know. I do have majority of them, and it's about I think it was 39 now. And we're about to get another lot in the next two months. So yeah. Pretty much. Yeah. Yep. Yeah. It sort of is up around that. Well, yeah. Yeah. It's only three years old. So, yeah, it's it's not too bad. Board ranges. So, yeah, they seem to hold their value okay. Yes. Yep. I do. Yeah. Yep. The credit cards, I think that's about 45 at the moment, 45,000. Yep. I've got a loan for I think it's 30 ish. I haven't looked at that one for a while. It just comes out of my pay, and I yeah. Not really. No. It's written out. It hasn't been finalized still. Yeah. Yeah. It's one of those ones that you start doing it, and then it gets put to the side, and I was thinking about it. No. Me me and my wife are both yeah. We've realized that we we should have one, and we've started it, I think, about three times now. And it just yeah. It never quite get finished. It's just a wheel kit. Yeah. Yeah. Yeah. Yep. No. Actually, if you could, yeah, that'd be that'd be good. Yep. Alright. Let's get it finished. Yeah. Right. Yep. Yes, please. Yeah. I thought my wife was, but yeah. Yep. Yep. Yep. Yep. It's first of the fourth nineteen eighty two. Yep. Yes. Yep. Yep. No. No. The nonlapsing sounds good. Yeah. It's a lot easier. That's good. Okay. I'd like to say email would be easier, but I still haven't received the other email yet. No. Email would be alright. It'll, yeah, it'll get here eventually. Yep. Yep. Okay. Yep. Yep. Yep. No. I'm happy with how it's been going. Like I said, I understand that, you know, it's it's stocks and that, they go up and down and and all that. So, yeah, no, I'm happy with where it's at at the moment. Yep. Yes. Yep. Yep. Yeah. I'm pretty sure I've got them through my my old super with Macquarie, which is why my wife's still with them, I believe. Yes. I believe I still do. Yeah. It must be. I don't because it all went to my wife's life, so she all set it up ages ago. Yeah. I would have to have a look into that. I probably should. Yep. No. I don't think so. I used to. I'm with Ford dispute now. Right. Yeah. With Benblin. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. I'll find out what we've got first. Like I said, I know my wife had it all sorted ages ago, but yeah. Yep. Okay. Okay. No. I don't think so. No. Yep. Yep. Yep. That sounds good. Yep. Yep. Yep. No. I think you covered it all. Yep. Yep. Okay. Thank you very much. Thank you. Yeah. Yeah. It's pretty much just, yeah, waiting in for children today. Yep. Yep. Yep. No. No. Yeah. No problems. Uh-huh. Thank you. Uh-huh. Thank you. 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Not too bad. Thank you. Yep. Yes.\n\nI do. Yep. Yep. Okay. So we are in WA.\n\nEverything's a bit slower over here. Yep. Yep. Yep. Not so bad.\n\nYeah. Just done the usual drop kids at school, and now just yeah. I was waiting for this phone call. Yeah. Yep.\n\nThursday off today. Yeah. Alright. Yep. Not really.\n\nI had checked it a few times during the year. Obviously, it's going up, and then it drops with what's going on in the world. But yeah. No no real questions. Yep.\n\nYep. Yep. Yep. Yeah. Yep.\n\nYep. Yep. I'd sort of with everything that's going on, I'm probably looking at the safer options. But, obviously, I'm I'm well, well, I'm 48 now, so I've got another ten years of working or so, hopefully. So I'd I'd like to yeah.\n\nI think when I first set this up, I was I went more of a high risk option because I I wanna get some super built. But also, like I said, I'm I'm more of a safer person usually, if that makes sense. Yeah. So yeah. I'm not really sure which way to go.\n\nYep. Yep. So like I said, I'm I'm in the two minds on it. Like, I I I wanna see it grow, obviously. And to do that, I've gotta take that bit of a risk.\n\nSo, yeah, I I don't know. Yeah. Yep. Yep. Yep.\n\nThat that's it. Yep. Yeah. No. That does sound alright.\n\nYep. Yep. Sorry. This email still hasn't come through. No.\n\nLike I said, we are in WA. Yep. It's usually I think last time I did this, it it took ages for it to come through as well. Yep. Yep.\n\nYeah. Right. Yep. I'd definitely like to go earlier, but yeah. Yeah.\n\nAt this point, it is what it is, I suppose. No. It's just more building that that level up to to a point where I can stop working, I suppose. Let's see if I have. Yeah.\n\nYep. Yep. Alright. Yeah. Yep.\n\nYep. Yes. She does. I don't know who it's with. I think it might be Macquarie.\n\nI don't know. That's something I've actually never asked us. Yep. Okay. Yep.\n\nYeah. Yeah. I would have thought that should be enough at at that retirement age. Yeah. Yeah.\n\nAlso, I'm at the moment. I'm trying to get rid of them, but they won't leave. Yep. Yeah. It's gone up a little bit.\n\nSo my total package is 202,000. Yes. Yep. No. I am actually starting to get to that point where I I realize I've gotta add a bit more in.\n\nWell, I want to add a bit more in. So yeah. Yep. Yeah. Yes, please.\n\nYeah. Just so I can sort of have a look at the the edit. It's probably I don't know. Anything's better than nothing, isn't it? So if it was even if it was that $50 a week sort of thing, that'd be yeah.\n\nYep. Yep. Yep. So with everything that's been going on, yeah, there's been a few houses around my area that have sold for a bit more. Yeah.\n\nI think it's gone up to around that 500 sort of mark at the moment. Yeah. It's about 255 now. I'd I'd I'd like I'd like to have it gone before our entire, but yeah. It yeah.\n\nYeah. It's wrong. So yeah. Yep. Okay.\n\nThat's yeah. It's good to know. I do have majority of them, and it's about I think it was 39 now. And we're about to get another lot in the next two months. So yeah.\n\nPretty much. Yeah. Yep. Yeah. It sort of is up around that.\n\nWell, yeah. Yeah. It's only three years old. So, yeah, it's it's not too bad. Board ranges.\n\nSo, yeah, they seem to hold their value okay. Yes. Yep. I do. Yeah.\n\nYep. The credit cards, I think that's about 45 at the moment, 45,000. Yep. I've got a loan for I think it's 30 ish. I haven't looked at that one for a while.\n\nIt just comes out of my pay, and I yeah. Not really. No. It's written out. It hasn't been finalized still.\n\nYeah. Yeah. It's one of those ones that you start doing it, and then it gets put to the side, and I was thinking about it. No. Me me and my wife are both yeah.\n\nWe've realized that we we should have one, and we've started it, I think, about three times now. And it just yeah. It never quite get finished. It's just a wheel kit. Yeah.\n\nYeah. Yeah. Yep. No. Actually, if you could, yeah, that'd be that'd be good.\n\nYep. Alright. Let's get it finished. Yeah. Right.\n\nYep. Yes, please. Yeah. I thought my wife was, but yeah. Yep.\n\nYep. Yep. Yep. It's first of the fourth nineteen eighty two. Yep.\n\nYes. Yep. Yep. No. No.\n\nThe nonlapsing sounds good. Yeah. It's a lot easier. That's good. Okay.\n\nI'd like to say email would be easier, but I still haven't received the other email yet. No. Email would be alright. It'll, yeah, it'll get here eventually. Yep.\n\nYep. Okay. Yep. Yep. Yep.\n\nNo. I'm happy with how it's been going. Like I said, I understand that, you know, it's it's stocks and that, they go up and down and and all that. So, yeah, no, I'm happy with where it's at at the moment. Yep.\n\nYes. Yep. Yep. Yeah. I'm pretty sure I've got them through my my old super with Macquarie, which is why my wife's still with them, I believe.\n\nYes. I believe I still do. Yeah. It must be. I don't because it all went to my wife's life, so she all set it up ages ago.\n\nYeah. I would have to have a look into that. I probably should. Yep. No.\n\nI don't think so. I used to. I'm with Ford dispute now. Right. Yeah.\n\nWith Benblin. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yeah. I'll find out what we've got first. Like I said, I know my wife had it all sorted ages ago, but yeah.\n\nYep. Okay. Okay. No. I don't think so.\n\nNo. Yep. Yep. Yep. That sounds good.\n\nYep. Yep. Yep. No. I think you covered it all.\n\nYep. Yep. Okay. Thank you very much. Thank you.\n\nYeah. Yeah. It's pretty much just, yeah, waiting in for children today. Yep. Yep.\n\nYep. No. No. Yeah. No problems.\n\nUh-huh. Thank you. Uh-huh. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.031898919492959976},{"text":"Not too bad.","start":7.44,"end":8.16,"sentiment":"neutral","sentiment_score":0.038743299742539726},{"text":"Thank you.","start":8.16,"end":8.82,"sentiment":"positive","sentiment_score":0.43897947669029236},{"text":"Yep.","start":18.045,"end":18.545,"sentiment":"neutral","sentiment_score":0.07238081097602844},{"text":"Yes.","start":24.125,"end":24.285,"sentiment":"neutral","sentiment_score":0.10492731630802156}],"sentiment":"neutral","sentiment_score":0.15042448742315173,"num_words":8,"start":0.56,"end":24.285},{"sentences":[{"text":"I 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really.","start":1093.035,"end":1093.675,"sentiment":"neutral","sentiment_score":-0.0379704125225544},{"text":"No.","start":1093.675,"end":1094.175,"sentiment":"neutral","sentiment_score":-0.04510442167520523},{"text":"It's written out.","start":1109.3099,"end":1110.19,"sentiment":"neutral","sentiment_score":-0.031695678209265075},{"text":"It hasn't been finalized still.","start":1110.19,"end":1116.335,"sentiment":"neutral","sentiment_score":-0.05378133505582809}],"sentiment":"neutral","sentiment_score":-0.0327835190775139,"num_words":21,"start":1079.48,"end":1116.335},{"sentences":[{"text":"Yeah.","start":1116.475,"end":1116.975,"sentiment":"neutral","sentiment_score":0.002220931462943554},{"text":"Yeah.","start":1117.035,"end":1117.275,"sentiment":"neutral","sentiment_score":0.0027593206614255905},{"text":"It's one of those ones that you start doing it, and then it gets put to the side, and I was thinking about it.","start":1117.275,"end":1121.455,"sentiment":"neutral","sentiment_score":-0.018011822287614148},{"text":"No.","start":1121.915,"end":1122.155,"sentiment":"neutral","sentiment_score":-0.07885456830263138},{"text":"Me me and my wife are both yeah.","start":1122.155,"end":1124.3151,"sentiment":"neutral","sentiment_score":-0.08418204076588154}],"sentiment":"neutral","sentiment_score":-0.033703267920230116,"num_words":35,"start":1116.475,"end":1124.3151},{"sentences":[{"text":"We've realized that we we should have one, and we've started it, I think, about three times now.","start":1124.3151,"end":1129.48,"sentiment":"neutral","sentiment_score":-0.09083666507568625},{"text":"And it just yeah.","start":1129.48,"end":1130.52,"sentiment":"neutral","sentiment_score":-0.1023747269064188},{"text":"It never quite get finished.","start":1130.52,"end":1131.82,"sentiment":"neutral","sentiment_score":-0.16351519525051117},{"text":"It's just a wheel kit.","start":1137.5599,"end":1138.6,"sentiment":"neutral","sentiment_score":-0.0201713889837265},{"text":"Yeah.","start":1138.6,"end":1138.965,"sentiment":"neutral","sentiment_score":-0.012440919876098633}],"sentiment":"neutral","sentiment_score":-0.09016462787985802,"num_words":33,"start":1124.3151,"end":1138.965},{"sentences":[{"text":"Yeah.","start":1148.885,"end":1149.385,"sentiment":"neutral","sentiment_score":0.022185981273651123},{"text":"Yeah.","start":1150.4049,"end":1150.9049,"sentiment":"neutral","sentiment_score":0.03128192573785782},{"text":"Yep.","start":1176.895,"end":1177.395,"sentiment":"neutral","sentiment_score":0.025048017501831055},{"text":"No.","start":1203.865,"end":1204.1849,"sentiment":"neutral","sentiment_score":-0.014165621250867844},{"text":"Actually, if you could, yeah, that'd be that'd be good.","start":1204.1849,"end":1206.525,"sentiment":"neutral","sentiment_score":0.07751789279282092}],"sentiment":"neutral","sentiment_score":0.059966373656477244,"num_words":14,"start":1148.885,"end":1206.525},{"sentences":[{"text":"Yep.","start":1207.065,"end":1207.565,"sentiment":"neutral","sentiment_score":0.28886207938194275},{"text":"Alright.","start":1213.12,"end":1213.4401,"sentiment":"neutral","sentiment_score":0.18798935413360596},{"text":"Let's get it finished.","start":1213.4401,"end":1214.5,"sentiment":"neutral","sentiment_score":0.18002956360578537},{"text":"Yeah.","start":1267.87,"end":1268.03,"sentiment":"neutral","sentiment_score":0.13189035654067993},{"text":"Right.","start":1268.03,"end":1268.35,"sentiment":"neutral","sentiment_score":0.2089836299419403}],"sentiment":"neutral","sentiment_score":0.1922304593026638,"num_words":8,"start":1207.065,"end":1268.35},{"sentences":[{"text":"Yep.","start":1268.35,"end":1268.85,"sentiment":"neutral","sentiment_score":0.2802606225013733},{"text":"Yes, please.","start":1283.245,"end":1283.725,"sentiment":"neutral","sentiment_score":0.09798748791217804},{"text":"Yeah.","start":1283.725,"end":1283.965,"sentiment":"neutral","sentiment_score":0.04576639831066131},{"text":"I thought my wife was, but yeah.","start":1283.965,"end":1285.745,"sentiment":"neutral","sentiment_score":0.006112551316618919},{"text":"Yep.","start":1292.525,"end":1292.925,"sentiment":"neutral","sentiment_score":0.05370970815420151}],"sentiment":"neutral","sentiment_score":0.05154163033391038,"num_words":12,"start":1268.35,"end":1292.925},{"sentences":[{"text":"Yep.","start":1292.925,"end":1293.425,"sentiment":"neutral","sentiment_score":0.05927349627017975},{"text":"Yep.","start":1302.24,"end":1302.74,"sentiment":"neutral","sentiment_score":0.10560958087444304},{"text":"Yep.","start":1302.88,"end":1303.36,"sentiment":"neutral","sentiment_score":0.025954708456993103},{"text":"It's first of the fourth nineteen eighty two.","start":1303.36,"end":1305.94,"sentiment":"neutral","sentiment_score":0.03629843844100833},{"text":"Yep.","start":1319.4951,"end":1319.9951,"sentiment":"neutral","sentiment_score":0.1998253762722015}],"sentiment":"neutral","sentiment_score":0.05675422245015701,"num_words":12,"start":1292.925,"end":1319.9951},{"sentences":[{"text":"Yes.","start":1320.6151,"end":1320.935,"sentiment":"neutral","sentiment_score":0.14079120755195618},{"text":"Yep.","start":1320.935,"end":1321.435,"sentiment":"neutral","sentiment_score":0.11608384549617767},{"text":"Yep.","start":1358.61,"end":1359.11,"sentiment":"neutral","sentiment_score":0.033718496561050415},{"text":"No.","start":1359.33,"end":1359.6499,"sentiment":"neutral","sentiment_score":-0.0232374370098114},{"text":"No.","start":1359.6499,"end":1359.8099,"sentiment":"neutral","sentiment_score":0.01576659083366394}],"sentiment":"neutral","sentiment_score":0.05662454068660736,"num_words":5,"start":1320.6151,"end":1359.8099},{"sentences":[{"text":"The nonlapsing sounds good.","start":1359.8099,"end":1361.325,"sentiment":"neutral","sentiment_score":0.19114740379154682},{"text":"Yeah.","start":1363.565,"end":1364.065,"sentiment":"neutral","sentiment_score":0.15164250135421753},{"text":"It's a lot easier.","start":1364.205,"end":1365.2649,"sentiment":"neutral","sentiment_score":0.26011569052934647},{"text":"That's good.","start":1366.9249,"end":1367.745,"sentiment":"negative","sentiment_score":-0.6585454940795898},{"text":"Okay.","start":1370.445,"end":1370.945,"sentiment":"neutral","sentiment_score":0.04858440160751343}],"sentiment":"neutral","sentiment_score":0.05734902434051037,"num_words":12,"start":1359.8099,"end":1370.945},{"sentences":[{"text":"I'd like to say email would be easier, but I still haven't received the other email yet.","start":1376.89,"end":1380.59,"sentiment":"neutral","sentiment_score":-0.07715692831312909},{"text":"No.","start":1384.89,"end":1385.0499,"sentiment":"neutral","sentiment_score":-0.07453841716051102},{"text":"Email would be alright.","start":1385.0499,"end":1385.9299,"sentiment":"neutral","sentiment_score":-0.028668309561908245},{"text":"It'll, yeah, it'll get here eventually.","start":1385.9299,"end":1387.47,"sentiment":"neutral","sentiment_score":-0.0010371431708335876},{"text":"Yep.","start":1387.69,"end":1388.19,"sentiment":"neutral","sentiment_score":0.04525190219283104}],"sentiment":"neutral","sentiment_score":-0.05040863426081065,"num_words":29,"start":1376.89,"end":1388.19},{"sentences":[{"text":"Yep.","start":1388.505,"end":1389.005,"sentiment":"neutral","sentiment_score":0.1039312183856964},{"text":"Okay.","start":1397.865,"end":1398.365,"sentiment":"neutral","sentiment_score":0.11826607584953308},{"text":"Yep.","start":1398.825,"end":1399.325,"sentiment":"neutral","sentiment_score":0.2222331017255783},{"text":"Yep.","start":1422.005,"end":1422.505,"sentiment":"neutral","sentiment_score":0.025778895244002346},{"text":"Yep.","start":1441.71,"end":1442.21,"sentiment":"neutral","sentiment_score":-0.033609893172979355}],"sentiment":"neutral","sentiment_score":0.08731987960636615,"num_words":5,"start":1388.505,"end":1442.21},{"sentences":[{"text":"No.","start":1467.41,"end":1467.73,"sentiment":"negative","sentiment_score":-0.4813835024833679},{"text":"I'm happy with how it's been going.","start":1467.73,"end":1469.35,"sentiment":"negative","sentiment_score":-0.4505567933831896},{"text":"Like I said, I understand that, you know, it's it's stocks and that, they go up and down and and all that.","start":1470.0499,"end":1475.295,"sentiment":"neutral","sentiment_score":-0.08481852591715076},{"text":"So, yeah, no, I'm happy with where it's at at the moment.","start":1475.295,"end":1477.635,"sentiment":"neutral","sentiment_score":-0.060167374865462385},{"text":"Yep.","start":1494.4299,"end":1494.9299,"sentiment":"neutral","sentiment_score":0.06157238408923149}],"sentiment":"neutral","sentiment_score":-0.14329592420091464,"num_words":43,"start":1467.41,"end":1494.9299},{"sentences":[{"text":"Yes.","start":1505.7251,"end":1506.2251,"sentiment":"positive","sentiment_score":0.35459014773368835},{"text":"Yep.","start":1535.285,"end":1535.785,"sentiment":"neutral","sentiment_score":0.2525961995124817},{"text":"Yep.","start":1548.77,"end":1549.27,"sentiment":"neutral","sentiment_score":0.09351754188537598},{"text":"Yeah.","start":1593.42,"end":1593.82,"sentiment":"neutral","sentiment_score":0.006593706551939249},{"text":"I'm pretty sure I've got them through my my old super with Macquarie, which is why my wife's still with them, I believe.","start":1593.82,"end":1602.96,"sentiment":"neutral","sentiment_score":0.10093557381111642}],"sentiment":"neutral","sentiment_score":0.1121783627162653,"num_words":27,"start":1505.7251,"end":1602.96},{"sentences":[{"text":"Yes.","start":1609.035,"end":1609.535,"sentiment":"neutral","sentiment_score":0.17001259326934814},{"text":"I believe I still do.","start":1617.115,"end":1618.8151,"sentiment":"neutral","sentiment_score":0.09971311986446381},{"text":"Yeah.","start":1624.39,"end":1624.4601,"sentiment":"neutral","sentiment_score":-0.05019831657409668},{"text":"It must be.","start":1624.4601,"end":1625.53,"sentiment":"neutral","sentiment_score":-0.0638020100692908},{"text":"I don't because it all went to my wife's life, so she all set it up ages ago.","start":1632.825,"end":1636.9249,"sentiment":"neutral","sentiment_score":-0.3139052275154326}],"sentiment":"neutral","sentiment_score":-0.18654715176671743,"num_words":28,"start":1609.035,"end":1636.9249},{"sentences":[{"text":"Yeah.","start":1639.385,"end":1639.865,"sentiment":"neutral","sentiment_score":-0.08791911602020264},{"text":"I would have to have a look into that.","start":1639.865,"end":1642.125,"sentiment":"neutral","sentiment_score":-0.12493894663121966},{"text":"I probably should.","start":1643.385,"end":1644.5249,"sentiment":"neutral","sentiment_score":0.058285764108101525},{"text":"Yep.","start":1661.1,"end":1661.595,"sentiment":"neutral","sentiment_score":0.036357514560222626},{"text":"No.","start":1701.125,"end":1701.3651,"sentiment":"neutral","sentiment_score":-0.1897944211959839}],"sentiment":"neutral","sentiment_score":-0.07939661666750908,"num_words":15,"start":1639.385,"end":1701.3651},{"sentences":[{"text":"I don't think so.","start":1701.3651,"end":1702.425,"sentiment":"neutral","sentiment_score":-0.21630166098475456},{"text":"I used to.","start":1709.54,"end":1710.18,"sentiment":"neutral","sentiment_score":-0.030948442096511524},{"text":"I'm with Ford dispute now.","start":1710.18,"end":1711.88,"sentiment":"neutral","sentiment_score":-0.0501538909971714},{"text":"Right.","start":1712.8201,"end":1713.14,"sentiment":"neutral","sentiment_score":0.02989231608808041},{"text":"Yeah.","start":1713.14,"end":1713.4601,"sentiment":"neutral","sentiment_score":0.011263890191912653}],"sentiment":"neutral","sentiment_score":-0.08340465849531549,"num_words":14,"start":1701.3651,"end":1713.4601},{"sentences":[{"text":"With Benblin.","start":1713.4601,"end":1714.12,"sentiment":"neutral","sentiment_score":0.005905512720346451},{"text":"Yep.","start":1714.18,"end":1714.68,"sentiment":"neutral","sentiment_score":0.06283368170261383},{"text":"Yep.","start":1757.0449,"end":1757.5449,"sentiment":"neutral","sentiment_score":0.15100859105587006},{"text":"Yep.","start":1760.4049,"end":1760.79,"sentiment":"neutral","sentiment_score":0.1694871187210083},{"text":"Yep.","start":1788.99,"end":1789.49,"sentiment":"neutral","sentiment_score":0.053278014063835144}],"sentiment":"neutral","sentiment_score":0.07473640516400337,"num_words":6,"start":1713.4601,"end":1789.49},{"sentences":[{"text":"Yep.","start":1816.115,"end":1816.59,"sentiment":"neutral","sentiment_score":0.1465226411819458},{"text":"Yep.","start":1817.3099,"end":1817.8099,"sentiment":"neutral","sentiment_score":0.16637954115867615},{"text":"Yeah.","start":1831.8451,"end":1832.0851,"sentiment":"neutral","sentiment_score":0.0436365120112896},{"text":"I'll find out what we've got first.","start":1832.0851,"end":1833.865,"sentiment":"neutral","sentiment_score":0.044024206697940826},{"text":"Like I said, I know my wife had it all sorted ages ago, but yeah.","start":1834.005,"end":1838.355,"sentiment":"neutral","sentiment_score":0.016418468579649924}],"sentiment":"neutral","sentiment_score":0.036439406797289846,"num_words":25,"start":1816.115,"end":1838.355},{"sentences":[{"text":"Yep.","start":1854.22,"end":1854.72,"sentiment":"neutral","sentiment_score":0.2311933636665344},{"text":"Okay.","start":1866.105,"end":1866.605,"sentiment":"neutral","sentiment_score":0.1699291318655014},{"text":"Okay.","start":1879.22,"end":1879.72,"sentiment":"neutral","sentiment_score":0.30901098251342773},{"text":"No.","start":1889.805,"end":1890.125,"sentiment":"neutral","sentiment_score":-0.0599558986723423},{"text":"I don't think so.","start":1890.125,"end":1891.105,"sentiment":"neutral","sentiment_score":-0.07777743320912123}],"sentiment":"neutral","sentiment_score":0.042383480817079544,"num_words":8,"start":1854.22,"end":1891.105},{"sentences":[{"text":"No.","start":1891.405,"end":1891.905,"sentiment":"neutral","sentiment_score":-0.07146669179201126},{"text":"Yep.","start":1910.08,"end":1910.58,"sentiment":"neutral","sentiment_score":0.1374465674161911},{"text":"Yep.","start":1911.92,"end":1912.42,"sentiment":"neutral","sentiment_score":0.12185760587453842},{"text":"Yep.","start":1913.2,"end":1913.6,"sentiment":"neutral","sentiment_score":0.21358458697795868},{"text":"That sounds good.","start":1913.6,"end":1914.66,"sentiment":"positive","sentiment_score":0.5527318716049194}],"sentiment":"neutral","sentiment_score":0.29423109761306215,"num_words":7,"start":1891.405,"end":1914.66},{"sentences":[{"text":"Yep.","start":1930.5599,"end":1931.0599,"sentiment":"neutral","sentiment_score":0.241466760635376},{"text":"Yep.","start":1946.985,"end":1947.485,"sentiment":"neutral","sentiment_score":0.07959360629320145},{"text":"Yep.","start":1956.665,"end":1957.165,"sentiment":"neutral","sentiment_score":0.015904100611805916},{"text":"No.","start":1957.305,"end":1957.7051,"sentiment":"neutral","sentiment_score":-0.02551814168691635},{"text":"I think you covered it all.","start":1957.7051,"end":1959.06,"sentiment":"neutral","sentiment_score":-0.016227411416669685}],"sentiment":"neutral","sentiment_score":0.021408185735344885,"num_words":10,"start":1930.5599,"end":1959.06},{"sentences":[{"text":"Yep.","start":1968.8201,"end":1969.3201,"sentiment":"neutral","sentiment_score":0.08788194507360458},{"text":"Yep.","start":1977.4451,"end":1977.9451,"sentiment":"neutral","sentiment_score":0.0580437108874321},{"text":"Okay.","start":1982.725,"end":1982.9651,"sentiment":"neutral","sentiment_score":0.13293540477752686},{"text":"Thank you very much.","start":1982.9651,"end":1984.105,"sentiment":"positive","sentiment_score":0.42042791843414307},{"text":"Thank you.","start":1989.13,"end":1989.87,"sentiment":"positive","sentiment_score":0.4873777776956558}],"sentiment":"neutral","sentiment_score":0.3261475877629386,"num_words":9,"start":1968.8201,"end":1989.87},{"sentences":[{"text":"Yeah.","start":1994.89,"end":1995.13,"sentiment":"neutral","sentiment_score":0.08853460848331451},{"text":"Yeah.","start":1995.13,"end":1995.29,"sentiment":"neutral","sentiment_score":0.0926894098520279},{"text":"It's pretty much just, yeah, waiting in for children today.","start":1995.29,"end":1999.39,"sentiment":"neutral","sentiment_score":0.12463317215442657},{"text":"Yep.","start":2000.97,"end":2001.47,"sentiment":"neutral","sentiment_score":0.18378806114196777},{"text":"Yep.","start":2022.1599,"end":2022.6599,"sentiment":"neutral","sentiment_score":0.05075548216700554}],"sentiment":"neutral","sentiment_score":0.11872137737061296,"num_words":14,"start":1994.89,"end":2022.6599},{"sentences":[{"text":"Yep.","start":2042.275,"end":2042.515,"sentiment":"neutral","sentiment_score":0.0013371383538469672},{"text":"No.","start":2042.515,"end":2042.755,"sentiment":"neutral","sentiment_score":-0.06089184060692787},{"text":"No.","start":2042.755,"end":2043.255,"sentiment":"neutral","sentiment_score":-0.06381744891405106},{"text":"Yeah.","start":2065.715,"end":2066.215,"sentiment":"neutral","sentiment_score":-0.0070982445031404495},{"text":"No problems.","start":2071.155,"end":2071.895,"sentiment":"positive","sentiment_score":0.41401031613349915}],"sentiment":"neutral","sentiment_score":0.11625837276612098,"num_words":6,"start":2042.275,"end":2071.895},{"sentences":[{"text":"Uh-huh.","start":2079.25,"end":2079.4102,"sentiment":"neutral","sentiment_score":0.2448870688676834},{"text":"Thank you.","start":2079.4102,"end":2081.6702,"sentiment":"positive","sentiment_score":0.682849109172821},{"text":"Uh-huh.","start":2083.25,"end":2083.33,"sentiment":"neutral","sentiment_score":0.15622182190418243},{"text":"Thank you.","start":2083.33,"end":2083.81,"sentiment":"positive","sentiment_score":0.579512894153595},{"text":"Bye.","start":2083.81,"end":2084.31,"sentiment":"positive","sentiment_score":0.4030150771141052}],"sentiment":"positive","sentiment_score":0.47554971064840046,"num_words":7,"start":2079.25,"end":2084.31}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, John. This is Dana from Okie Financial. How are you this afternoon this morning? So sorry.\n\nChannel 1: Not too bad. Thank you.\n\nChannel 0: That's good wishful thinking. Apologies about that. I had to completely negotiate your annual review today. Is now still a good time there for you?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Fantastic. Do you happen to have access to your emails there at the moment as well?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yes. Fantastic. What I'm gonna do is I'm just gonna send you an email. This is some annual review documents there for you just so you can have a look at the information that we are going through just to make it a bit easier on yourself there.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Before we jump into the call as well, I do just have to let you know that we do record our calls for quality and training purposes. Are you happy to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Fantastic. Excellent. I'm just pressing send. Send.\n\nThat should come through quickly for you.\n\nChannel 1: Okay. So we are in WA. Everything's a bit slower over here. Yep.\n\nChannel 0: No. You're right. I think everything's a little bit slow here as well. It's just the Internet's a tad bit fun with us all at the moment. Wants to work when it wants to.\n\nChannel 1: Yep.\n\nChannel 0: Oh, this is gonna be fun, this Internet today. I love this. I think I pressed send. It just might not come through as fast.\n\nChannel 1: Yep.\n\nChannel 0: Let me just press again. There we go. How's your morning been so far?\n\nChannel 1: Not so bad. Yeah. Just done the usual drop kids at school, and now just yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I was waiting\n\nChannel 0: Nice.\n\nChannel 1: for this phone call.\n\nChannel 0: Nice. Nice. Nice. And this is your week off, essentially?\n\nChannel 1: Yeah. Yep. Thursday off today.\n\nChannel 0: Yep. Oh,\n\nChannel 1: Yeah.\n\nChannel 0: fantastic. Okay. It should be coming through any minute for you. It says it has gone through, so that's a positive. We'll take that when.\n\nChannel 1: Alright.\n\nChannel 0: All good. What I can do for you, if you like, because I just start by going through, obviously, the things I need to go through. When when that does happen to pop through, just let me know,\n\nChannel 1: Yep.\n\nChannel 0: and I can direct you through opening up the documents there. But this is part of your annual review this morning. Is there anything particular you wanted to sort of ask or have me touch base on? Or\n\nChannel 1: Not really. I had checked it a few times during the year. Obviously,\n\nChannel 0: yeah.\n\nChannel 1: it's going up, and then it drops with what's going on in the world. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah. No no real questions.\n\nChannel 0: Yep. No. Perfect. Well, just to sort of go through what we do have. So when we did the annual review with you last year, your balance then was about $363,003.79.\n\nSo your balance this year, you're up to $423,008.98 as of yesterday's date. So it is a good increase on where we were last year,\n\nChannel 1: Yep.\n\nChannel 0: albeit we do know the markets have been a bit up and down, a bit volatile, especially with what has been happening globally there. The\n\nChannel 1: Yep.\n\nChannel 0: US and the Iran war has definitely affected things, but then here in Australia, we've also had high inflationary prices as well, and that has also affected some of the low risk fixed interest side of things. So a little bit of a hit on both sides of it. When I do look at your portfolio as a whole, net of fees, so after fees for the last twelve months, you have received a 7.89% return. So it is really good to see that we've still got some growth in there. Some people do prefer a dollar figure as opposed to a percentage, so it does show that your earnings for the year is about $38,542.\n\nSo, again, that's a good net figure to receive even though we see what's been going up and down there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Easy. Now I just wanted to sort of go through I have noticed that one of your investments within your super fund, the Benelon Australian Equities, that one, when I kinda review everything individually, has been underperforming a little bit. So I was thinking as part of what I'd like to do after review is go back and just maybe update the advice for you, maybe look at switching you out of that investment. We\n\nChannel 1: Yep.\n\nChannel 0: wanna make sure that you're not in anything underperforming and maybe just update your investment profile for you. Would that be okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Fantastic. I think when something's underperforming, we know when markets are sort of going up and down, there are points where some investments might not be performing as\n\nChannel 1: Yep.\n\nChannel 0: well as others, and that's why we diversify. However, when we sort of look at the then along Australian equities, but we also look at Australian equities. Generally, Australian equities are actually performing quite well at the moment, and they're not seeing as big of a job as what the Bennelong portion has in your portfolio. So it does kinda tell us that the issue is with the investment itself, with the underlying investments within Benelung and not so much with the market or as, you know, with it normal trading conditions, essentially.\n\nChannel 1: Yep.\n\nChannel 0: So it does kind of flag that we do need to remove that for you. I just wanted to kind of talk a little bit about the different types of investments. So with the way Benelung was putting your portfolio, because it's an actively managed investment, so, essentially, the investment manager within Benelung there, they are they're trying to outperform against the market, and you tend to have a little bit more of a cost involved with having these sorts of investors in your portfolio. Did you want me to look at replacing that with something that is an active manager, or did you want me to look at more of a low cost option for you for investments to replace that one? What would be your preference?\n\nChannel 1: I'd sort of with everything that's going on, I'm probably looking at the safer options. But,\n\nChannel 0: Yeah. Yep.\n\nChannel 1: obviously, I'm I'm well, well, I'm 48 now, so I've got another ten years of working or so, hopefully.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So I'd I'd like to yeah. I think when I first set this up, I was I went more of a high risk option because I I wanna get some super built.\n\nChannel 0: Yeah.\n\nChannel 1: But also, like I said, I'm I'm more of a safer person usually,\n\nChannel 0: A\n\nChannel 1: if\n\nChannel 0: bit\n\nChannel 1: that\n\nChannel 0: more\n\nChannel 1: makes\n\nChannel 0: conservative.\n\nChannel 1: sense.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. Yeah.\n\nChannel 1: So yeah. I'm not really sure which\n\nChannel 0: That's\n\nChannel 1: way to\n\nChannel 0: okay.\n\nChannel 1: go.\n\nChannel 0: No. That's okay. With the investments I do have, obviously, with where you are, you're getting closer to wanting to access. You did sort of mention that you are sort of focused on a little bit more risk mitigation for first sort of a safer route where possible.\n\nChannel 1: Yep.\n\nChannel 0: So if you like, what I could look at doing is I can replace that with a passively managed fund. The passive funds are lower cost. They are not trying to outperform against the market. So it can also lower the risk level of your portfolio as well And, obviously, look at maybe greater diversification. So an investment option with more investments in it than what Van Alon does, because greater\n\nChannel 1: Yep.\n\nChannel 0: diversification can help to mitigate market risk as well. Does that sound like something you'd be comfortable with me looking at?\n\nChannel 1: So like I said, I'm I'm in the two minds on it. Like, I I I wanna see it grow, obviously. And\n\nChannel 0: Yeah.\n\nChannel 1: to do that, I've gotta take that bit of a risk. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I I don't know. Yeah.\n\nChannel 0: That's okay. So when you're sort of talking about taking on a bit of risk, what we can do by moving it to a passively managed fund and trying to save a bit of cost and also look at more diversification to mitigate risk, we can do that but still keep you in the same kind of risk profile. So with where you are at the moment, you're actually in a growth portfolio, which generally sees about 80% of your super invested in growth assets. So things like Australian shares, international shares, listed properties, and also commodities. And\n\nChannel 1: Yep.\n\nChannel 0: then the other sort of 20% in lower risk defensive investments, like cash, bonds, and fixed interest.\n\nChannel 1: Yep.\n\nChannel 0: We can look at just maneuvering the investment around so that we have greater diversification, maybe lower fees, more passively managed investment to sort of suit you, but we can still keep that growth asset allocation, which is essentially looking at trying to get greater growth, so more returns over the longer term while still kind of trying to mitigate as much market risk as possible. It's a bit of juggling at, but, essentially, we can replace that with something passive, low cost, provide diversification, and still keep you in that higher risk component trying to get greater returns. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: That that's\n\nChannel 0: Yeah.\n\nChannel 1: it. Yep.\n\nChannel 0: Yeah. So I can definitely do the best of both worlds and have a look at those options and generate a portfolio that has been performing well, that has shown great growth, still has the right asset allocation, but maybe might be cheaper for you so you keep more money and you're super working harder. Does that sound alright?\n\nChannel 1: Yeah. No. That does sound alright.\n\nChannel 0: Or\n\nChannel 1: Yep.\n\nChannel 0: that sounds good? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Sorry. This\n\nChannel 0: We did\n\nChannel 1: email\n\nChannel 0: have\n\nChannel 1: still hasn't come through.\n\nChannel 0: Oh, hasn't it? That's really\n\nChannel 1: No.\n\nChannel 0: bizarre.\n\nChannel 1: Like I said, we are in WA.\n\nChannel 0: Yeah. That's okay. It may come through after. What\n\nChannel 1: Yep.\n\nChannel 0: I'll even do is after I'll I'll try and resend it again just to see\n\nChannel 1: It's\n\nChannel 0: if it's something on this end. We have had\n\nChannel 1: usually\n\nChannel 0: a little bit of trouble with the system sending those. That could just be the system too.\n\nChannel 1: I think last time I did this, it it took ages for it to come through as well.\n\nChannel 0: Right. Okay. Makes sense. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: That's alright. What I'll do is I'll press so resend, and,\n\nChannel 1: Yep.\n\nChannel 0: hopefully, it pops through shortly. If it doesn't and it doesn't come through by the end of the day, if you can just let me know, and we'll try and send it another way for you. Okay?\n\nChannel 1: Yeah. Right. Yep.\n\nChannel 0: Perfect. So with regards to retirement aspect, we're working on a retirement age of the age 67. Do you still feel like that's where you're tracking or hoping to access super, or do you think you'd like to try and retire earlier?\n\nChannel 1: I'd definitely like to go earlier, but yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. At this point, it is what it is, I suppose.\n\nChannel 0: Yeah. Well, at the moment, like, the age of 67 because are you sort of under the impression that you can't stop working till 67?\n\nChannel 1: No.\n\nChannel 0: No. It's like\n\nChannel 1: It's just more building that that level up to to a point where I can stop working, I suppose.\n\nChannel 0: yeah. Yeah. That's okay. So you think you'd probably keep working to age 67?\n\nChannel 1: Let's see if I have.\n\nChannel 0: Depend depending on the projected outcome?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yes. That's okay. What I can do, if you like, is I can have a look at, obviously, what we're doing with the advice, look at the investments, and maybe consider what what might be expected at, say, '60, '65, and '67 for you to kinda give you an idea of what's projected based based on the recommendations. And\n\nChannel 1: Yep.\n\nChannel 0: that might give you a bit of an idea of, you know, when you might, if you do wanna sort of stop working earlier, what that might look like for you.\n\nChannel 1: Alright. Yeah.\n\nChannel 0: Yeah. Perfect. Excellent. And, also, just confirming here. Now I've got it down that you are married as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. Does your wife have a super?\n\nChannel 1: Yes. She does. I don't know who it's with. I think it might be Macquarie.\n\nChannel 0: Yeah. That's okay. Do you know roughly if she has a big balance or if it's sorta over or under about a 100,000?\n\nChannel 1: I don't know. That's\n\nChannel 0: No.\n\nChannel 1: something\n\nChannel 0: That's\n\nChannel 1: I've actually\n\nChannel 0: okay.\n\nChannel 1: never asked us.\n\nChannel 0: No. That's okay. Just because when I'm projecting out to do retirement aspect, when I'm taking Centrelink into account, I've gotta take you both into account there. So\n\nChannel 1: Yep.\n\nChannel 0: it will just be looking at what your super does without any Centrelink consequences, and then we can kind of go from you know, look at the outcome thereafter. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Beautiful. All good. And just updating a few things here for you. I had it down here, and then I'm looking for a bit of time ahead of you still. So but, realistically, I've got it down here that you are sort of hoping to live on about a thousand dollars a week income in retirement.\n\nIs that still what you're thinking? I know that could definitely change.\n\nChannel 1: Yeah. Yeah. I would have thought that should be enough at at that retirement age. Yeah.\n\nChannel 0: Yep. Perfect. Beautiful. Excellent. And I've got down here, you've got three kids all still at home.\n\nChannel 1: Yeah. Also, I'm\n\nChannel 0: Oh,\n\nChannel 1: at the moment. I'm trying to get rid of them, but they won't leave.\n\nChannel 0: look. I've got a 19 and a 20 year old. They're still technically financial dependent. They still call up and ask for money and they help.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: No. All good. Not a problem at all. I've got down here. Income was you were on about a 185,000 last year.\n\nIs this still about the same?\n\nChannel 1: It's gone up a little bit.\n\nChannel 0: Yep.\n\nChannel 1: So my total package is 202,000.\n\nChannel 0: Yep. Beautiful. So 202,000. Lovely. And I've got down here that you not necessarily putting anything in the super additional to your employer contributions, but you did have a novated lease.\n\nSo you are salary sacrificing for your vehicle?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Beautiful. Are you open to making additional contributions to super to kind of help build that so you could maybe retire earlier, or you're just wanting to keep what you've got going in now with your employer contributions?\n\nChannel 1: No. I am actually starting to get to that point where I I realize I've gotta add a bit more in. Well, I want to add\n\nChannel 0: Yeah.\n\nChannel 1: a bit more in.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Yep.\n\nChannel 0: That's okay. Did you want me to factor that into the advice for you and maybe make a recommendation on salary sacrificing in the system?\n\nChannel 1: Yeah. Yes, please. Yeah. Just so I can sort\n\nChannel 0: Yes.\n\nChannel 1: of have a look at the the edit.\n\nChannel 0: Yeah. Absolutely. So what we can look at doing, is there an amount that you'd be comfortable with? Like, did you wanna start something small, like 50 or $100 a week and then kinda build it from there? Is there an amount and a time frame you'd be comfortable with starting?\n\nChannel 1: It's probably I don't know. Anything's better than nothing, isn't it? So if it was even if\n\nChannel 0: Yep.\n\nChannel 1: it was that $50 a week sort of thing, that'd be yeah.\n\nChannel 0: Yes. Absolutely. And, like, $50 per week, essentially, starting off small. Because salary sacrifice does reduce your take home pay, it means you can kind of start that off, see how it changes your expenditure, and\n\nChannel 1: Yep.\n\nChannel 0: then just kinda build on it from there. And starting now as opposed to in five or ten years down the track, the compounding effect is larger. So starting with a small amount now still provides a great benefit. But I'll I'll make that recommendation for you, show you what that looks like,\n\nChannel 1: Yep.\n\nChannel 0: and then you can, you know, decide whether you wanna take the recommendations or not. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. With your assets and liabilities, I had down here your main primary residence last year, rough valuation of 450,000. What sort of value would you put on your house now, do you think?\n\nChannel 1: So with everything that's been going on, yeah, there's been a few houses around my area that have sold for a bit more.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. I think it's gone up to around that 500 sort of mark at the moment.\n\nChannel 0: Fantastic. Excellent. Beautiful. Lovely. And I have a a loan on that one still of about 275,000.\n\nHave you reduced the loan a little bit?\n\nChannel 1: Yeah. It's about 255 now.\n\nChannel 0: Oh, fantastic. Are you sort of hoping to have that paid off before you retire, or you still have you're just sipping\n\nChannel 1: I'd\n\nChannel 0: away at it? What's the plan?\n\nChannel 1: I'd I'd\n\nChannel 0: And\n\nChannel 1: like I'd like to have it gone before our entire, but yeah. It\n\nChannel 0: yep.\n\nChannel 1: yeah.\n\nChannel 0: Beautiful. And you're fairly happy with how you're sipping away in a way without reducing it? You're sort of putting extra on top of it on a regular basis?\n\nChannel 1: Yeah. It's wrong. So yeah.\n\nChannel 0: Yeah. That's okay. Well, if you ever did wanna speak to a mortgage broker, I know you probably also got some, but we do also have access to mortgage brokers that can, you know, reassess your loan, the value, help you to sort of structure\n\nChannel 1: Yep.\n\nChannel 0: paying that down before retirement as well. So those are the services that are part of what we do, and it's a complimentary to yourself. So you just need to let us know when and if you want that referral placed through for you. Okay?\n\nChannel 1: Okay. That's yeah. It's good to know.\n\nChannel 0: Yep. Yeah. I've also got down here that you do have some shares with SMG, and they were valued last year about 30,000. Do you still have those?\n\nChannel 1: I do have majority of them, and it's about\n\nChannel 0: Yep.\n\nChannel 1: I think it was 39 now.\n\nChannel 0: Oh, fantastic. Excellent.\n\nChannel 1: And we're about to get another lot in the next two months. So\n\nChannel 0: Nice.\n\nChannel 1: yeah.\n\nChannel 0: Nice. No. Okay. It's fantastic. And you're happy just with those sitting there not wanting to look at selling or you'll just keep those until maybe retirement and then look at what to do with the shares.\n\nIs that right? Or\n\nChannel 1: Pretty much. Yeah.\n\nChannel 0: Pretty\n\nChannel 1: Yep.\n\nChannel 0: much. Yeah. Perfect. And then I've also got your car down here. I'm sorry.\n\nIt doesn't tell me what kind of car you drive, but it has an asset value of 80,000 around the bounce. Is it how much value you keep on your car? Or\n\nChannel 1: Yeah. It sort of is up around that.\n\nChannel 0: yep.\n\nChannel 1: Well, yeah. Yeah. It's only three years old. So, yeah, it's it's not too\n\nChannel 0: Yeah.\n\nChannel 1: bad. Board ranges. So, yeah, they seem to hold their value okay.\n\nChannel 0: They do. They absolutely do. Yeah. Perfect. And that's the vehicle that you're paying off through the no dated lease.\n\nIs that right?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Fabulous. Lovely. Do you have any other debts, credit cards, personal loans, or anything like that?\n\nChannel 1: I do. Yeah. Yep.\n\nChannel 0: Yep. Perfect. When we just look at the sorry. The credit card, what's the total value or and that you'd have out in on those?\n\nChannel 1: The credit cards, I think that's about 45 at the moment, 45,000.\n\nChannel 0: Forty 5,000. Yes.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And how much do you owe in personal loans?\n\nChannel 1: I've got a loan for I think it's 30 ish. I haven't looked at that\n\nChannel 0: That\n\nChannel 1: one\n\nChannel 0: is\n\nChannel 1: for a while. It just comes out of my pay, and I yeah.\n\nChannel 0: no. That's okay. I understand. Easy. And do you have any other collections or anything else of value that you think you should be that we should note down for you?\n\nOr\n\nChannel 1: Not really. No.\n\nChannel 0: no. That's okay. Not a problem at all. And I've got down here that you hadn't had a will done up, but last year, I believe, it was being finalized. Has that all been completed?\n\nDo you have a will, power of attorney, everything set up there?\n\nChannel 1: It's written out. It hasn't been finalized\n\nChannel 0: No. That's okay. Something on the list to\n\nChannel 1: still.\n\nChannel 0: do.\n\nChannel 1: Yeah. Yeah. It's one of those ones\n\nChannel 0: Yep.\n\nChannel 1: that you start doing it, and then it gets put to the side, and I was thinking about it.\n\nChannel 0: Yeah.\n\nChannel 1: No. Me me and my wife are both yeah. We've realized that we we should have one, and we've started\n\nChannel 0: No.\n\nChannel 1: it, I think, about three times now. And it just yeah. It never quite get finished.\n\nChannel 0: No. Understandable. Is that with, like, a solicitor or just a bit of a will kit?\n\nChannel 1: It's just a wheel kit. Yeah.\n\nChannel 0: Yeah. No. That's okay. All good. I had a look at those the other day.\n\nThe post office, they used to be about $20.25 bucks. I think they're about 30 odd dollars these days, so\n\nChannel 1: Yeah.\n\nChannel 0: getting up\n\nChannel 1: Yeah.\n\nChannel 0: there. No. All good. You can also, depending on sort of I I know seeing a solicitor can be a lot more expensive when it comes to doing your will and things like that. But you can also through and I'm just double checking because you're you're in WA.\n\nLike, over here in Queensland, New South Wales, we have, like, our RMS and Road and Authority Services. The WA probably has something very similar, and\n\nChannel 1: Yep.\n\nChannel 0: I can find out sort of who who they do them through. But the government agencies that can help you very safely to do up a will, they put you in touch with someone who can draw up a will. They normally charge a very low cost for doing that, and it can also to be done over the phone and by email and things like that. Did you want me to find out if WA has anything like that for you to kinda help get that will and power of attorney completed, or you're happy just with the will kit?\n\nChannel 1: No. Actually, if you could, yeah, that'd be that'd be good.\n\nChannel 0: Yes. Yeah. That's\n\nChannel 1: Yep.\n\nChannel 0: okay. Someone to take the take the stress away from filling it out. Someone to do it for you.\n\nChannel 1: Alright. Let's get\n\nChannel 0: Do\n\nChannel 1: it\n\nChannel 0: you\n\nChannel 1: finished.\n\nChannel 0: yeah. I've also got on your super here that you don't have a beneficiary nomination applied. I do wanna make sure that is done so that this is obviously protected for you as well. Because if in the event that something happened, if you were to pass away and attached with it, nothing does. But if you were to pass away there with your super not having a beneficiary nomination applied, it means that it goes through probate.\n\nThe funds aren't paid directly to where you want them to go, and probate can take anywhere from about twelve to eighteen months on a good day. It can take a bit longer, and it means that people can come forward, place a stake on your estate. It doesn't mean that it goes directly to your wife. Normally, it should under state legislation, but if, say, a judge feels that there's someone else with a claim that is valid, they can opt to pay out money to other people as well. So\n\nChannel 1: Yeah. Right.\n\nChannel 0: having\n\nChannel 1: Yep.\n\nChannel 0: that beneficiary in place is really important to do. If you I'm happy if you like for my team to prefill the document to make it a bit easier on you so that all you have to do is sign and have a witness. Would you like us to take care of that?\n\nChannel 1: Yes, please. Yeah. I thought my\n\nChannel 0: Yeah.\n\nChannel 1: wife was, but yeah.\n\nChannel 0: That's okay. So I've got them here. You just want everything to go to your wife's, is it Kylie?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. I've got Kylie's name as Kylie Nadine Condor. Is that right? Fantastic.\n\nAnd do you know her date of birth\n\nChannel 1: Yep.\n\nChannel 0: at all?\n\nChannel 1: Yep. It's first of the fourth nineteen eighty two.\n\nChannel 0: 04/1982. Beautiful. And this is in the same address that we have for yourself here. Yep. Beautiful.\n\nLovely. And you're happy with a 100% of the benefit being paid to her in the event of something\n\nChannel 1: Yep.\n\nChannel 0: occurring?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. Fantastic. Lovely. And we have a couple of different options for the way a beneficiary can be structured. Obviously, you've got your nonbinding, which is a standard beneficiary nomination.\n\nYou're essentially putting the direction on your super, and then the trustee has direction as to whether he follows that or not. A binding nomination can be lapsing or non lapsing. So lapsing means you have to redo the form every three years, or non lapsing means it stays in place until you revoke it. Are you happy to have it non lapsed so you don't have to fill the format again, or did you want one of the other options?\n\nChannel 1: Yep. No. No. The nonlapsing sounds good.\n\nChannel 0: It does sound good, doesn't it?\n\nChannel 1: Yeah. It's a lot easier.\n\nChannel 0: Not a absolutely.\n\nChannel 1: That's\n\nChannel 0: Not\n\nChannel 1: good.\n\nChannel 0: a problem. Well, I'll get my team to do that for you, pre\n\nChannel 1: Okay.\n\nChannel 0: fill the document and send it out. Did you want that posted, emailed, or both? What was easier for yourself?\n\nChannel 1: I'd like to say email would be easier, but I still haven't received the other email yet.\n\nChannel 0: That's okay. We can post it if you like to make it easier.\n\nChannel 1: No. Email would be alright. It'll, yeah,\n\nChannel 0: Email\n\nChannel 1: it'll get here\n\nChannel 0: be\n\nChannel 1: eventually.\n\nChannel 0: okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. That's\n\nChannel 1: Yep.\n\nChannel 0: okay. Not a problem at all. And I'll get the team default to make sure it does come through. If anything changes and you need it posted, we can organize that. That's not an issue.\n\nOkay.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Excellent. So just to kind of look now, as I kinda went through before, you're in that growth kind of environment there. The growth portfolio, we kinda went through with the general asset allocation and how that looks. Because you realistically are retiring or around about 60 or 67 depending on the outcome and the projected forecasted figures forward,\n\nChannel 1: Yep.\n\nChannel 0: you do have time to stay in that kind of growth environment there. The growth portfolio generally suits someone who has at least six years before they want you to access a super because you are in that sort of higher growth environment there. And we are sort of expecting a negative year, sort of one in every six years for this sort of a portfolio.\n\nChannel 1: Yep.\n\nChannel 0: And it's sort of averaging returns of around about seven to 9% on a yearly basis as well. So anything under 7% means the portfolio has underperformed, and anything over 9% means the portfolio has overperformed there. Do you feel like you're fairly comfortable staying within that growth environment, or did you wanna look at reducing the overall risk level of your portfolio as well as altering the investments? Or what's your thoughts there?\n\nChannel 1: No. I'm happy with how it's been going.\n\nChannel 0: Yes.\n\nChannel 1: Like I said, I understand that, you know, it's it's stocks and that, they go up and down and and all that. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, no, I'm happy with where it's at at the moment.\n\nChannel 0: Beautiful. And the one good thing about where your balance is now so, I mean, the hardest part is we kinda struggle to get our super balance up to that sort of $25,300,000 mark. But once we kinda get over that hump to $2.50 to 300,000, the compounding effect grows a lot more. If you\n\nChannel 1: Yep.\n\nChannel 0: think about someone with a $50,000 balance, a 5% return is much lower, whereas the same 5% return on a $500,000 balance means the return is much higher as well. So\n\nChannel 1: Yes.\n\nChannel 0: that compounding effect as your balance grows a little bit will start to get bigger and bigger and bigger, and you'll see your balance will, you know, grow a lot faster. It is essentially, you know, gets to double and triple a lot faster as we get over that $300,000 hump there. So with your current balance and the current return, it has done very, very well for this year, But we just wanna make sure it continues to do well and just keep it growing and keep it compounding moving forward for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Easy. Excellent. I think that's most of everything I needed to go through. When the when the review documents do happen to hit and get to you, they're probably floating over very slowly.\n\nChannel 1: Yep.\n\nChannel 0: They we do have a copy of the hub twenty four performance report in there for you, which outlines the return that you've got there. It also goes through how all the individual investments have sort of performed so you can see what I have gone through. We do have the summary of the insurance and super there as well. And just double checking with that one. So you'll you don't have any insurances paid out of your super at the moment.\n\nI know it's something you haven't sort of wanted in the past. We do have the option of having personal insurances, whether it's life cover, total permanent disability cover, income protection, things like that. Are you willing to look at any additional personal insurances, or are you happy just not having those, or do you have them out of pocket elsewhere?\n\nChannel 1: Yeah. I'm pretty sure I've got them through my my old super with Macquarie, which is why my wife's still with them, I believe.\n\nChannel 0: Right. So she would have life and TBD and whatnot with Macquarie, but\n\nChannel 1: Yes.\n\nChannel 0: we have you over in Hub 24. So do you know if you have any insurances with Macquarie as well?\n\nChannel 1: I believe I still do.\n\nChannel 0: Okay. Are they sort of paid out of pocket? Or\n\nChannel 1: Yeah. It must be.\n\nChannel 0: are you do you get not sure. Do you get renewal letters from them at all?\n\nChannel 1: I don't because it all went to my wife's life, so she all set it up ages ago.\n\nChannel 0: Right.\n\nChannel 1: Yeah. I would have to have a look into that.\n\nChannel 0: Yeah. It would\n\nChannel 1: I\n\nChannel 0: be\n\nChannel 1: probably\n\nChannel 0: good to do\n\nChannel 1: should.\n\nChannel 0: so. Yeah. Because having a look at the way things are at the moment, you don't have any life, PPD, income protection, or trauma cover. Personal insurance is paid out of your super. So there's no record that I can see that you do have any cover through us or through your super that we can see.\n\nIf\n\nChannel 1: Yep.\n\nChannel 0: there is anything in Macquarie, it would be kind of worth knowing how much you are covered for just to kind of make sure that, you know, that you the cover is suited to your needs, that it is protecting what you needed to protect. Because at the moment, based on what I can see, if anything happens, if you were to pass away prematurely, the only benefit paid out, to our understanding, is your super, which can be paid out to your beneficiaries. But with total time of disability, that covers you in the event that you're unable to go back to work. I know some employers also have some kind of TBD or income protection benefits. Do you have any of those offered through your employer at all?\n\nChannel 1: No. I don't think so.\n\nChannel 0: No. That's okay. And because you work for Rio Tinto. Is that right?\n\nChannel 1: I used to. I'm with Ford dispute now.\n\nChannel 0: Fortescue.\n\nChannel 1: Right.\n\nChannel 0: No\n\nChannel 1: Yeah.\n\nChannel 0: worries.\n\nChannel 1: With Benblin. Yep.\n\nChannel 0: Yep. That's okay. Perfect. Yeah. So TBD pays out like a lump sum benefit or an income stream if you're totally permanently disabled.\n\nIf you do don't have any TBD, you can get access to your super under that same condition. It's permanent capacity, and we can claim that against your super. But it is worthwhile just making sure that you do have some sort of TBD benefit that suits you because, realistically, if something happened to you, your super balance is quite good. But when you factor in, you know, TBD or not being able to go back to work from, say, now till, you know, ten, twenty, thirty years into retirement, you wanna make sure you've got enough money to cover living expenses and things like that.\n\nChannel 1: Yep.\n\nChannel 0: And that's what TBD is essentially a buffer for.\n\nChannel 1: Yep.\n\nChannel 0: Income protection pays out a lump sum monthly benefit in the event that you're unable to go back to work in the short term due to illness or injury, and they normally have, like, a waiting at a benefit period. And then there's other types of insurances you can't hold inside Superlight Trauma, which pays out a lump sum tax free benefit if you're diagnosed with a major traumatic condition, things like cancer, strokes, heart attacks, certain neurological conditions like Parkinson's and things like that.\n\nChannel 1: Yep.\n\nChannel 0: Trauma is an out of pocket expense. It's not held inside super any longer. But, yeah, if you could have a look at the Macquarie side of things and see what the insurances are there, that would be fantastic. If you do wanna chat to me more about the covers and maybe look at insurances, we absolutely can. They do get more expensive the older you get, but it is still worth making sure that you have the right protection to cover you and your family in the event that something happens.\n\nDoes that\n\nChannel 1: Yep.\n\nChannel 0: make sense? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any questions about insurances or how they work or any other types of cover? Or did you want me to maybe, you know, look at getting some cover just to give you an idea, or did you just wanna look at Macquarie first and see what you've got there?\n\nChannel 1: Yeah. I'll find out what we've got first. Like I said,\n\nChannel 0: Yep.\n\nChannel 1: I know my wife had it all sorted ages ago, but yeah.\n\nChannel 0: Yeah. No. That's okay. Not an issue at all. Well, what I'll do is I'll just focus now on just getting the investment side of things sorted for you to the investments, which you're moving the underperforming investments and look at projecting that forward for you to see what that looks like.\n\nWe\n\nChannel 1: Yep.\n\nChannel 0: can add in that $50 per week salary sacrifice for you and provide the plan. Just takes a couple of weeks to do the research and then get the plan together, and my team will book you back in to have that presented.\n\nChannel 1: Okay.\n\nChannel 0: And then if you decide in the meantime that you do wanna talk about insurance or look at anything additional, just let me know. I'm more than happy to kinda come back and have that conversation and add anything additional into the advice for you.\n\nChannel 1: Okay.\n\nChannel 0: Easy. All good. Is there any other questions or anything else that you wanted me to sort of touch on or anything I might have missed? Or\n\nChannel 1: No. I don't think so. No.\n\nChannel 0: no. That's okay. I'm just sort of having a look back at your last sort of goals there as well. So it was more just about making sure in retirement, you could have the mortgage paid off, looking at salary sacrificing, which we're doing now for you, and then hopefully retiring on about a thousand dollars per week. That\n\nChannel 1: Yep.\n\nChannel 0: still sounds fairly accurate for what\n\nChannel 1: Yep.\n\nChannel 0: you're hoping for. Yep.\n\nChannel 1: Yep. That\n\nChannel 0: Beautiful.\n\nChannel 1: sounds good.\n\nChannel 0: I've got down here five year goals. We did have this covering the mortgage as much as possible focusing on paying that down prior to you retiring and then again salary sacrifice with a potential to look at in the next five years, and we're happy to do that now for you, which is great.\n\nChannel 1: Yep.\n\nChannel 0: And then under the insurance side of things, when I have a look, as mentioned here, you're comfortable being self insured and understand the risks, not having retail cover, and focusing on paying down debt and building up wealth. So that was kind of the insurance goal that we had back when.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. That's okay. And I'll get the beneficiaries sorted for you as well. Does that sound okay if I missed anything? Or\n\nChannel 1: Yep. No. I think you covered it all.\n\nChannel 0: oh, good. Fantastic. Well, I'll go back and do the research there for you. If you find there's anything that you need or something that you wanted to touch base on, let me know. And, yeah, if\n\nChannel 1: Yep.\n\nChannel 0: you could just double check and find out about the Macquarie insurances, I will just let one of my admin team to touch base over the next few weeks to see if you found anything\n\nChannel 1: Yep.\n\nChannel 0: or if you do have anything that we probably need to just be aware of for you. Okay?\n\nChannel 1: Okay. Thank you very much.\n\nChannel 0: That's okay. Thank you so much for your time, John. I hope you enjoy the rest of your day.\n\nChannel 1: Thank you.\n\nChannel 0: You got any good plans, or just gonna rest until it's time to go get the kids?\n\nChannel 1: Yeah. Yeah. It's pretty much just, yeah, waiting in for children today.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Oh, oh, good. Well, let me know if that email doesn't come through. Oh, so sorry. I also forgot.\n\nYou'll also see the ongoing service agreement in that for you as well. So our ongoing service fee, just to make sure I'm clarifying, is 1.65% per annum, and our ongoing service fee is deducting a smaller monthly increments out of your super. That way,\n\nChannel 1: Yep.\n\nChannel 0: it does fluctuate with the market. It means that when our when your super is performing better and increasing, then our fee does increase with it as well. However, when the market takes a bit of a dip, it means that our fee takes a bit of a dip there with it as well. So did you have any questions about the ongoing service fee or any of the other documents that might be attached there?\n\nChannel 1: Yep. No. No.\n\nChannel 0: No. All good. And I'll go the on the financial services guide attachment for you with a photo of me and a bit of information on myself as well as a licensed adviser. So you're welcome to have a look at any of that. Let me know if there's any additional questions that you do have.\n\nAnd, yeah, if you're happy with everything and want to stay on board, we just get you to when that eventually gets to you. This time, I'll return those back for me. And if they\n\nChannel 1: Yeah.\n\nChannel 0: don't come through by the end of the day, just let me know, and we'll happily make sure we send it out another way for you. Okay?\n\nChannel 1: No problems.\n\nChannel 0: Easy. Thank you so much for your time. I really appreciate you taking the time to speak to me, and I hope you enjoy the rest of your day.\n\nChannel 1: Uh-huh. Thank\n\nChannel 0: Thanks,\n\nChannel 1: you.\n\nChannel 0: Donald. Talk to you soon.\n\nChannel 1: Uh-huh. Thank you. Bye.\n\nChannel 0: Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.031898919492959976}],"sentiment":"neutral","sentiment_score":0.031898919492959976,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Hi, John.","start":1.92,"end":2.48,"sentiment":"neutral","sentiment_score":0.10230126604437828},{"text":"This is Dana from Okie Financial.","start":2.48,"end":4.1,"sentiment":"neutral","sentiment_score":0.1573080470164617},{"text":"How are you this afternoon this morning?","start":4.16,"end":6.16,"sentiment":"neutral","sentiment_score":0.20131376385688782},{"text":"So sorry.","start":6.16,"end":6.8199997,"sentiment":"neutral","sentiment_score":-0.024833109229803085}],"sentiment":"neutral","sentiment_score":0.1475282907485962,"channel":0,"num_words":17,"start":1.92,"end":6.8199997},{"sentences":[{"text":"Not too bad.","start":7.44,"end":8.16,"sentiment":"neutral","sentiment_score":0.038743299742539726},{"text":"Thank you.","start":8.16,"end":8.82,"sentiment":"positive","sentiment_score":0.43897947669029236}],"sentiment":"neutral","sentiment_score":0.19883777052164078,"channel":1,"num_words":5,"start":7.44,"end":8.82},{"sentences":[{"text":"That's good wishful thinking.","start":8.96,"end":10.32,"sentiment":"positive","sentiment_score":0.40912798047065735},{"text":"Apologies about that.","start":10.32,"end":11.62,"sentiment":"neutral","sentiment_score":-0.12576799094676971},{"text":"I had to completely negotiate your annual review today.","start":13.455,"end":15.8550005,"sentiment":"neutral","sentiment_score":-0.04320367404984103},{"text":"Is now still a good time there for you?","start":15.8550005,"end":17.875,"sentiment":"neutral","sentiment_score":0.08778641952408685}],"sentiment":"neutral","sentiment_score":0.0664181063324213,"channel":0,"num_words":25,"start":8.96,"end":17.875},{"sentences":[{"text":"Yep.","start":18.045,"end":18.545,"sentiment":"neutral","sentiment_score":0.07238081097602844}],"sentiment":"neutral","sentiment_score":0.07238081097602844,"channel":1,"num_words":1,"start":18.045,"end":18.545},{"sentences":[{"text":"Yep.","start":18.895,"end":19.375,"sentiment":"neutral","sentiment_score":0.14030101895332336},{"text":"Fantastic.","start":19.375,"end":19.875,"sentiment":"positive","sentiment_score":0.4465634822845459},{"text":"Do you happen to have access to your emails there at the moment as well?","start":20.095001,"end":23.315,"sentiment":"neutral","sentiment_score":0.19500341812769573}],"sentiment":"neutral","sentiment_score":0.20658328077372382,"channel":0,"num_words":17,"start":18.895,"end":23.315},{"sentences":[{"text":"Yes.","start":24.125,"end":24.285,"sentiment":"neutral","sentiment_score":0.10492731630802156},{"text":"I do.","start":24.285,"end":24.945,"sentiment":"neutral","sentiment_score":0.1361876130104065}],"sentiment":"neutral","sentiment_score":0.1257675141096115,"channel":1,"num_words":3,"start":24.125,"end":24.945},{"sentences":[{"text":"Yes.","start":25.23,"end":25.55,"sentiment":"neutral","sentiment_score":0.23054924607276917},{"text":"Fantastic.","start":25.55,"end":26.05,"sentiment":"positive","sentiment_score":0.5322846174240112},{"text":"What I'm gonna do is I'm just gonna send you an email.","start":26.75,"end":28.75,"sentiment":"neutral","sentiment_score":0.32140665004650754},{"text":"This is some annual review documents there for you just so you can have a look at the information that we are going through just to make it a bit easier on yourself there.","start":28.75,"end":36.85,"sentiment":"neutral","sentiment_score":0.30533339127021675}],"sentiment":"neutral","sentiment_score":0.31252185348421335,"channel":0,"num_words":48,"start":25.23,"end":36.85},{"sentences":[{"text":"Yep.","start":37.17,"end":37.67,"sentiment":"neutral","sentiment_score":0.24760232865810392}],"sentiment":"neutral","sentiment_score":0.24760232865810392,"channel":1,"num_words":1,"start":37.17,"end":37.67},{"sentences":[{"text":"Beautiful.","start":38.285,"end":38.785,"sentiment":"positive","sentiment_score":0.4994361996650696},{"text":"Before we jump into the call as well, I do just have to let you know that we do record our calls for quality and training purposes.","start":39.325,"end":44.525,"sentiment":"neutral","sentiment_score":0.17133039594800384},{"text":"Are you happy to proceed with that?","start":44.525,"end":46.305,"sentiment":"neutral","sentiment_score":0.13451276613133295}],"sentiment":"neutral","sentiment_score":0.17334132151944295,"channel":0,"num_words":35,"start":38.285,"end":46.305},{"sentences":[{"text":"Yep.","start":46.574997,"end":47.074997,"sentiment":"neutral","sentiment_score":0.07721202820539474}],"sentiment":"neutral","sentiment_score":0.07721202820539474,"channel":1,"num_words":1,"start":46.574997,"end":47.074997},{"sentences":[{"text":"Yep.","start":47.485,"end":47.965,"sentiment":"neutral","sentiment_score":0.1411769986152649},{"text":"Fantastic.","start":47.965,"end":48.465,"sentiment":"positive","sentiment_score":0.4617510139942169},{"text":"Excellent.","start":49.245,"end":49.745,"sentiment":"positive","sentiment_score":0.4995066523551941},{"text":"I'm just pressing send.","start":50.285,"end":51.745,"sentiment":"neutral","sentiment_score":0.2972458750009537},{"text":"Send.","start":52.75,"end":53.15,"sentiment":"neutral","sentiment_score":0.24652065336704257}],"sentiment":"neutral","sentiment_score":0.31724235229194164,"channel":0,"num_words":8,"start":47.485,"end":53.15},{"sentences":[{"text":"That should come through quickly for you.","start":53.15,"end":57.73,"sentiment":"neutral","sentiment_score":0.32188643727983746}],"sentiment":"neutral","sentiment_score":0.32188643727983746,"channel":0,"num_words":7,"start":53.15,"end":57.73},{"sentences":[{"text":"Okay.","start":57.91,"end":58.23,"sentiment":"neutral","sentiment_score":-0.010566690936684608},{"text":"So we are in WA.","start":58.23,"end":59.27,"sentiment":"neutral","sentiment_score":-0.06187331080436707},{"text":"Everything's a bit slower over here.","start":59.27,"end":60.97,"sentiment":"neutral","sentiment_score":-0.15796452263991037},{"text":"Yep.","start":61.67,"end":62.17,"sentiment":"neutral","sentiment_score":-0.042540472000837326}],"sentiment":"neutral","sentiment_score":-0.10078929636913997,"channel":1,"num_words":13,"start":57.91,"end":62.17},{"sentences":[{"text":"No.","start":62.190002,"end":62.43,"sentiment":"neutral","sentiment_score":-0.07653576880693436},{"text":"You're right.","start":62.43,"end":62.91,"sentiment":"neutral","sentiment_score":-0.07140517234802246},{"text":"I think everything's a little bit slow here as well.","start":62.91,"end":64.91,"sentiment":"neutral","sentiment_score":-0.1280408449470997},{"text":"It's just the Internet's a tad bit fun with us all at the moment.","start":64.91,"end":68.705,"sentiment":"neutral","sentiment_score":-0.05850407600935016},{"text":"Wants to work when it wants to.","start":68.845,"end":70.785,"sentiment":"neutral","sentiment_score":-0.016731238524828638}],"sentiment":"neutral","sentiment_score":-0.07164500872878467,"channel":0,"num_words":34,"start":62.190002,"end":70.785},{"sentences":[{"text":"Yep.","start":71.19,"end":71.565,"sentiment":"neutral","sentiment_score":0.016189757734537125}],"sentiment":"neutral","sentiment_score":0.016189757734537125,"channel":1,"num_words":1,"start":71.19,"end":71.565},{"sentences":[{"text":"Oh, this is gonna be fun, this Internet today.","start":75.165,"end":77.405,"sentiment":"neutral","sentiment_score":0.17714071025451025},{"text":"I love this.","start":77.405,"end":78.125,"sentiment":"positive","sentiment_score":0.43026482065518695},{"text":"I think I pressed send.","start":78.125,"end":80.93,"sentiment":"neutral","sentiment_score":0.06375249847769737},{"text":"It just might not come through as fast.","start":80.93,"end":83.590004,"sentiment":"neutral","sentiment_score":-0.049560212995857}],"sentiment":"neutral","sentiment_score":0.11229366570711136,"channel":0,"num_words":25,"start":75.165,"end":83.590004},{"sentences":[{"text":"Yep.","start":84.285,"end":84.785,"sentiment":"neutral","sentiment_score":0.02004552446305752}],"sentiment":"neutral","sentiment_score":0.02004552446305752,"channel":1,"num_words":1,"start":84.285,"end":84.785},{"sentences":[{"text":"Let me just press again.","start":85.41,"end":86.87,"sentiment":"neutral","sentiment_score":0.018323182128369808},{"text":"There we go.","start":91.57001,"end":92.450005,"sentiment":"neutral","sentiment_score":0.04550505677858988},{"text":"How's your morning been so far?","start":92.450005,"end":94.23,"sentiment":"neutral","sentiment_score":0.08385510991017024}],"sentiment":"neutral","sentiment_score":0.052232981459902864,"channel":0,"num_words":14,"start":85.41,"end":94.23},{"sentences":[{"text":"Not so bad.","start":94.939995,"end":95.92,"sentiment":"neutral","sentiment_score":0.06845416625340779},{"text":"Yeah.","start":96.06,"end":96.38,"sentiment":"neutral","sentiment_score":0.05774856358766556},{"text":"Just done the usual drop kids at school, and now just yeah.","start":96.38,"end":99.84,"sentiment":"neutral","sentiment_score":0.05965455435216427}],"sentiment":"neutral","sentiment_score":0.06118535716086626,"channel":1,"num_words":16,"start":94.939995,"end":99.84},{"sentences":[{"text":"Yeah.","start":100.025,"end":100.525,"sentiment":"neutral","sentiment_score":0.06587345898151398}],"sentiment":"neutral","sentiment_score":0.06587345898151398,"channel":0,"num_words":1,"start":100.025,"end":100.525},{"sentences":[{"text":"I was waiting","start":100.14,"end":100.7,"sentiment":"neutral","sentiment_score":0.08136449381709099}],"sentiment":"neutral","sentiment_score":0.08136449381709099,"channel":1,"num_words":3,"start":100.14,"end":100.7},{"sentences":[{"text":"Nice.","start":100.585,"end":101.085,"sentiment":"neutral","sentiment_score":0.21878862380981445}],"sentiment":"neutral","sentiment_score":0.21878862380981445,"channel":0,"num_words":1,"start":100.585,"end":101.085},{"sentences":[{"text":"for this phone call.","start":100.7,"end":101.715,"sentiment":"neutral","sentiment_score":0.23186500370502472}],"sentiment":"neutral","sentiment_score":0.23186500370502472,"channel":1,"num_words":4,"start":100.7,"end":101.715},{"sentences":[{"text":"Nice.","start":102.105,"end":102.605,"sentiment":"neutral","sentiment_score":0.2452349215745926},{"text":"Nice.","start":102.665,"end":103.065,"sentiment":"neutral","sentiment_score":0.2593719959259033},{"text":"Nice.","start":103.065,"end":103.385,"sentiment":"neutral","sentiment_score":0.2141820043325424},{"text":"And this is your week off, essentially?","start":103.385,"end":105.085,"sentiment":"neutral","sentiment_score":0.10361580976418086}],"sentiment":"neutral","sentiment_score":0.14440995901823045,"channel":0,"num_words":10,"start":102.105,"end":105.085},{"sentences":[{"text":"Yeah.","start":105.634995,"end":105.795,"sentiment":"neutral","sentiment_score":0.055227022618055344},{"text":"Yep.","start":105.795,"end":106.115,"sentiment":"neutral","sentiment_score":0.05743356794118881},{"text":"Thursday off today.","start":106.115,"end":107.174995,"sentiment":"neutral","sentiment_score":0.05627302577098211}],"sentiment":"neutral","sentiment_score":0.056295933574438094,"channel":1,"num_words":5,"start":105.634995,"end":107.174995},{"sentences":[{"text":"Yep.","start":106.825005,"end":107.325005,"sentiment":"neutral","sentiment_score":0.08922099322080612},{"text":"Oh,","start":107.64,"end":107.8,"sentiment":"neutral","sentiment_score":0.1495455801486969}],"sentiment":"neutral","sentiment_score":0.11938328668475151,"channel":0,"num_words":2,"start":106.825005,"end":107.8},{"sentences":[{"text":"Yeah.","start":107.795,"end":108.295,"sentiment":"neutral","sentiment_score":0.2762606739997864}],"sentiment":"neutral","sentiment_score":0.2762606739997864,"channel":1,"num_words":1,"start":107.795,"end":108.295},{"sentences":[{"text":"fantastic.","start":107.8,"end":108.3,"sentiment":"positive","sentiment_score":0.3734051585197449},{"text":"Okay.","start":110.28,"end":110.78,"sentiment":"neutral","sentiment_score":0.2948872745037079},{"text":"It should be coming through any minute for you.","start":111.32,"end":113.24,"sentiment":"neutral","sentiment_score":0.318168302377065},{"text":"It says it has gone through, so that's a positive.","start":113.24,"end":116.12,"sentiment":"neutral","sentiment_score":0.3317134350538254},{"text":"We'll take that when.","start":116.12,"end":117.26,"sentiment":"neutral","sentiment_score":0.2521212548017502}],"sentiment":"neutral","sentiment_score":0.3142970609664917,"channel":0,"num_words":25,"start":107.8,"end":117.26},{"sentences":[{"text":"Alright.","start":117.619995,"end":118.119995,"sentiment":"neutral","sentiment_score":0.2513362765312195}],"sentiment":"neutral","sentiment_score":0.2513362765312195,"channel":1,"num_words":1,"start":117.619995,"end":118.119995},{"sentences":[{"text":"All good.","start":119.240005,"end":119.9,"sentiment":"positive","sentiment_score":0.3821133077144623},{"text":"What I can do for you, if you like, because I just start by going through, obviously, the things I need to go through.","start":120.335,"end":124.915,"sentiment":"neutral","sentiment_score":0.12275667519619067},{"text":"When when that does happen to pop through, just let me know,","start":125.135,"end":127.955,"sentiment":"neutral","sentiment_score":0.05042380901674429}],"sentiment":"neutral","sentiment_score":0.1135650665352219,"channel":0,"num_words":38,"start":119.240005,"end":127.955},{"sentences":[{"text":"Yep.","start":128.035,"end":128.535,"sentiment":"neutral","sentiment_score":0.06858094036579132}],"sentiment":"neutral","sentiment_score":0.06858094036579132,"channel":1,"num_words":1,"start":128.035,"end":128.535},{"sentences":[{"text":"and I can direct you through opening up the documents there.","start":128.095,"end":130.915,"sentiment":"neutral","sentiment_score":0.08857575600797479},{"text":"But this is part of your annual review this morning.","start":131.055,"end":133.135,"sentiment":"neutral","sentiment_score":0.048455669358372686},{"text":"Is there anything particular you wanted to sort of ask or have me touch base on?","start":133.135,"end":137.23999,"sentiment":"neutral","sentiment_score":0.027619367698207498},{"text":"Or","start":137.23999,"end":137.73999,"sentiment":"neutral","sentiment_score":-0.0025243544951081276}],"sentiment":"neutral","sentiment_score":0.049954619430201616,"channel":0,"num_words":38,"start":128.095,"end":137.73999},{"sentences":[{"text":"Not really.","start":138.755,"end":139.475,"sentiment":"neutral","sentiment_score":-0.08012348040938377},{"text":"I had checked it a few times during the year.","start":139.475,"end":141.96,"sentiment":"neutral","sentiment_score":-0.09247998483479022},{"text":"Obviously,","start":142.52,"end":142.92001,"sentiment":"neutral","sentiment_score":-0.061334650963544846}],"sentiment":"neutral","sentiment_score":-0.08818318924078575,"channel":1,"num_words":13,"start":138.755,"end":142.92001},{"sentences":[{"text":"yeah.","start":142.68,"end":143.18,"sentiment":"neutral","sentiment_score":-0.05401834845542908}],"sentiment":"neutral","sentiment_score":-0.05401834845542908,"channel":0,"num_words":1,"start":142.68,"end":143.18},{"sentences":[{"text":"it's going up, and then it drops with what's going on in the 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$363,003.79.","start":152.655,"end":159.715,"sentiment":"neutral","sentiment_score":0.1685994986225577}],"sentiment":"neutral","sentiment_score":0.15499820740472886,"channel":0,"num_words":31,"start":148.89499,"end":159.715},{"sentences":[{"text":"So your balance this year, you're up to $423,008.98 as of yesterday's date.","start":159.87,"end":165.23,"sentiment":"neutral","sentiment_score":0.3095439076423645},{"text":"So it is a good increase on where we were last year,","start":165.23,"end":167.89,"sentiment":"positive","sentiment_score":0.5592985699574152}],"sentiment":"positive","sentiment_score":0.4294261455535889,"channel":0,"num_words":25,"start":159.87,"end":167.89},{"sentences":[{"text":"Yep.","start":168.265,"end":168.765,"sentiment":"neutral","sentiment_score":0.2304542511701584}],"sentiment":"neutral","sentiment_score":0.2304542511701584,"channel":1,"num_words":1,"start":168.265,"end":168.765},{"sentences":[{"text":"albeit we do know the markets have been a bit up and down, a bit volatile, especially with what has been happening globally there.","start":168.34999,"end":174.995,"sentiment":"neutral","sentiment_score":-0.21283176494762301},{"text":"The","start":175.295,"end":175.615,"sentiment":"neutral","sentiment_score":-0.17107486724853516}],"sentiment":"neutral","sentiment_score":-0.2111614890396595,"channel":0,"num_words":25,"start":168.34999,"end":175.615},{"sentences":[{"text":"Yep.","start":175.51999,"end":176.01999,"sentiment":"neutral","sentiment_score":-0.15372708439826965}],"sentiment":"neutral","sentiment_score":-0.15372708439826965,"channel":1,"num_words":1,"start":175.51999,"end":176.01999},{"sentences":[{"text":"US and the Iran war has definitely affected things, but then here in Australia, we've also had high inflationary prices as well, and that has also affected some of the low risk fixed interest side of things.","start":175.615,"end":187.0,"sentiment":"neutral","sentiment_score":-0.31650191142752365},{"text":"So a little bit of a hit on both sides of it.","start":187.0,"end":190.62,"sentiment":"negative","sentiment_score":-0.3830711642901103},{"text":"When I do look at your portfolio as a whole, net of fees, so after fees for the last twelve months, you have received a 7.89% return.","start":191.16,"end":200.54,"sentiment":"neutral","sentiment_score":0.17992577149912162},{"text":"So it is really good to see that we've still got some growth in there.","start":200.6,"end":203.915,"sentiment":"positive","sentiment_score":0.5819635093212128},{"text":"Some people do prefer a dollar figure as opposed to a percentage, so it does show that your earnings for the year is about $38,542.","start":204.215,"end":214.69499,"sentiment":"neutral","sentiment_score":0.24962115287780762}],"sentiment":"neutral","sentiment_score":0.03034959136155145,"channel":0,"num_words":116,"start":175.615,"end":214.69499},{"sentences":[{"text":"So, again, that's a good net figure to receive even though we see what's been going up and down there.","start":214.69499,"end":220.58,"sentiment":"neutral","sentiment_score":0.25602076649665834},{"text":"Okay?","start":220.58,"end":221.08,"sentiment":"neutral","sentiment_score":0.06940671801567078}],"sentiment":"neutral","sentiment_score":0.24713438323565892,"channel":0,"num_words":21,"start":214.69499,"end":221.08},{"sentences":[{"text":"Yep.","start":220.955,"end":221.455,"sentiment":"neutral","sentiment_score":0.08615415543317795}],"sentiment":"neutral","sentiment_score":0.08615415543317795,"channel":1,"num_words":1,"start":220.955,"end":221.455},{"sentences":[{"text":"Easy.","start":222.1,"end":222.6,"sentiment":"neutral","sentiment_score":0.11780910193920135},{"text":"Now I just wanted to sort of go through I have noticed that one of your investments within your super fund, the Benelon Australian Equities, that one, when I kinda review everything individually, has been underperforming a little bit.","start":223.94,"end":236.365,"sentiment":"neutral","sentiment_score":-0.16361121690044036},{"text":"So I was thinking as part of what I'd like to do after review is go back and just maybe update the advice for you, maybe look at switching you out of that investment.","start":236.365,"end":244.705,"sentiment":"neutral","sentiment_score":-0.12394051012747428},{"text":"We","start":245.26001,"end":245.5,"sentiment":"neutral","sentiment_score":0.06123002618551254}],"sentiment":"neutral","sentiment_score":-0.13887700900435448,"channel":0,"num_words":75,"start":222.1,"end":245.5},{"sentences":[{"text":"Yep.","start":245.49,"end":245.895,"sentiment":"neutral","sentiment_score":0.09034198522567748}],"sentiment":"neutral","sentiment_score":0.09034198522567748,"channel":1,"num_words":1,"start":245.49,"end":245.895},{"sentences":[{"text":"wanna make sure that you're not in anything underperforming and maybe just update your investment profile for you.","start":245.5,"end":250.54001,"sentiment":"neutral","sentiment_score":-0.007751816676722633},{"text":"Would that be okay?","start":250.54001,"end":251.6,"sentiment":"neutral","sentiment_score":0.10564255341887474}],"sentiment":"neutral","sentiment_score":0.01286534152247689,"channel":0,"num_words":22,"start":245.5,"end":251.6},{"sentences":[{"text":"Yeah.","start":252.615,"end":252.935,"sentiment":"neutral","sentiment_score":0.07964598387479782},{"text":"Yep.","start":252.935,"end":253.435,"sentiment":"neutral","sentiment_score":0.16649129986763}],"sentiment":"neutral","sentiment_score":0.12306864187121391,"channel":1,"num_words":2,"start":252.615,"end":253.435},{"sentences":[{"text":"Yeah.","start":253.66,"end":254.06001,"sentiment":"positive","sentiment_score":0.452813982963562},{"text":"Fantastic.","start":254.06001,"end":254.56001,"sentiment":"positive","sentiment_score":0.7041958570480347},{"text":"I think when something's underperforming, we know when markets are sort of going up and down, there are points where some investments might not be performing as","start":254.78,"end":262.335,"sentiment":"neutral","sentiment_score":-0.026661225767047318}],"sentiment":"neutral","sentiment_score":0.015074370493148935,"channel":0,"num_words":29,"start":253.66,"end":262.335},{"sentences":[{"text":"Yep.","start":262.32,"end":262.82,"sentiment":"neutral","sentiment_score":-0.030740929767489433}],"sentiment":"neutral","sentiment_score":-0.030740929767489433,"channel":1,"num_words":1,"start":262.32,"end":262.82},{"sentences":[{"text":"well as others, and that's why we diversify.","start":262.335,"end":264.355,"sentiment":"neutral","sentiment_score":0.04981427057646215},{"text":"However, when we sort of look at the then along Australian equities, but we also look at Australian equities.","start":265.45502,"end":270.915,"sentiment":"neutral","sentiment_score":-0.01474266759070911},{"text":"Generally, Australian equities are actually performing quite well at the moment, and they're not seeing as big of a job as what the Bennelong portion has in your portfolio.","start":271.54,"end":278.52002,"sentiment":"neutral","sentiment_score":-0.09570083142547257},{"text":"So it does kinda tell us that the issue is with the investment itself, with the underlying investments within Benelung and not so much with the market or as, you know, with it normal trading conditions, essentially.","start":278.66,"end":292.245,"sentiment":"neutral","sentiment_score":-0.1445310377591365}],"sentiment":"neutral","sentiment_score":-0.08607063471009174,"channel":0,"num_words":93,"start":262.335,"end":292.245},{"sentences":[{"text":"Yep.","start":292.21,"end":292.71,"sentiment":"neutral","sentiment_score":-0.008697057142853737}],"sentiment":"neutral","sentiment_score":-0.008697057142853737,"channel":1,"num_words":1,"start":292.21,"end":292.71},{"sentences":[{"text":"So it does kind of flag that we do need to remove that for you.","start":292.38498,"end":296.245,"sentiment":"neutral","sentiment_score":-0.15035344958305358},{"text":"I just wanted to kind of talk a little bit about the different types of investments.","start":296.85,"end":301.11,"sentiment":"neutral","sentiment_score":-0.004924314096570015},{"text":"So with the way Benelung was putting your portfolio, because it's an actively managed investment, so, essentially, the investment manager within Benelung there, they are they're trying to outperform against the market, and you tend to have a little bit more of a cost involved with having these sorts of investors in your portfolio.","start":301.33,"end":320.815,"sentiment":"neutral","sentiment_score":0.014314591746639323},{"text":"Did you want me to look at replacing that with something that is an active manager, or did you want me to look at more of a low cost option for you for investments to replace that one?","start":321.275,"end":330.38,"sentiment":"neutral","sentiment_score":-0.00034468954330996475},{"text":"What would be your preference?","start":330.38,"end":331.68002,"sentiment":"neutral","sentiment_score":0.027254774421453475}],"sentiment":"neutral","sentiment_score":-0.011233805824304,"channel":0,"num_words":128,"start":292.38498,"end":331.68002},{"sentences":[{"text":"I'd sort of with everything that's going on, I'm probably looking at the safer 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hopefully.","start":341.555,"end":348.455,"sentiment":"neutral","sentiment_score":0.09680720065769396}],"sentiment":"neutral","sentiment_score":0.09680720065769396,"channel":1,"num_words":19,"start":341.555,"end":348.455},{"sentences":[{"text":"Yep.","start":348.635,"end":349.115,"sentiment":"neutral","sentiment_score":0.07229529321193695},{"text":"Yep.","start":349.115,"end":349.615,"sentiment":"neutral","sentiment_score":0.0655583068728447}],"sentiment":"neutral","sentiment_score":0.06892680004239082,"channel":0,"num_words":2,"start":348.635,"end":349.615},{"sentences":[{"text":"So I'd I'd like to yeah.","start":350.05,"end":352.23,"sentiment":"neutral","sentiment_score":0.04442638841768106},{"text":"I think when I first set this up, I was I went more of a high risk option because I I wanna get some super 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to do retirement aspect, when I'm taking Centrelink into account, I've gotta take you both into account there.","start":693.05005,"end":699.69,"sentiment":"neutral","sentiment_score":0.016308176253611844},{"text":"So","start":699.69,"end":700.19,"sentiment":"neutral","sentiment_score":0.0327017605304718}],"sentiment":"neutral","sentiment_score":0.00007935713178345148,"channel":0,"num_words":28,"start":692.01,"end":700.19},{"sentences":[{"text":"Yep.","start":700.145,"end":700.645,"sentiment":"neutral","sentiment_score":0.07770001888275146}],"sentiment":"neutral","sentiment_score":0.07770001888275146,"channel":1,"num_words":1,"start":700.145,"end":700.645},{"sentences":[{"text":"it will just be looking at what your super does without any Centrelink consequences, and then we can kind of go from you know, look at the outcome 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we have a couple of different options for the way a beneficiary can be structured.","start":1324.395,"end":1328.3401,"sentiment":"neutral","sentiment_score":0.17933307541534305},{"text":"Obviously, you've got your nonbinding, which is a standard beneficiary nomination.","start":1329.28,"end":1334.26,"sentiment":"neutral","sentiment_score":0.1151597797870636}],"sentiment":"neutral","sentiment_score":0.17976081843177477,"channel":0,"num_words":30,"start":1321.755,"end":1334.26},{"sentences":[{"text":"You're essentially putting the direction on your super, and then the trustee has direction as to whether he follows that or not.","start":1334.8,"end":1342.02,"sentiment":"neutral","sentiment_score":0.13973056795922192},{"text":"A binding nomination can be lapsing or non lapsing.","start":1342.515,"end":1346.035,"sentiment":"neutral","sentiment_score":0.0617214362654421},{"text":"So lapsing means you have to redo the form every three years, or non lapsing means it stays in place until you 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you.","start":1521.505,"end":1534.13,"sentiment":"positive","sentiment_score":0.5209522467283976},{"text":"Okay?","start":1534.1901,"end":1534.6901,"sentiment":"neutral","sentiment_score":0.17739111185073853}],"sentiment":"positive","sentiment_score":0.5117458682311209,"channel":0,"num_words":95,"start":1506.07,"end":1534.6901},{"sentences":[{"text":"Yep.","start":1535.285,"end":1535.785,"sentiment":"neutral","sentiment_score":0.2525961995124817}],"sentiment":"neutral","sentiment_score":0.2525961995124817,"channel":1,"num_words":1,"start":1535.285,"end":1535.785},{"sentences":[{"text":"Easy.","start":1536.43,"end":1536.93,"sentiment":"positive","sentiment_score":0.3619567751884461},{"text":"Excellent.","start":1537.0701,"end":1537.5701,"sentiment":"positive","sentiment_score":0.5935217142105103},{"text":"I think that's most of everything I needed to go through.","start":1538.67,"end":1542.3251,"sentiment":"neutral","sentiment_score":0.28439423170956696},{"text":"When the when the review documents do happen to hit and get to you, they're probably floating over very slowly.","start":1542.3251,"end":1548.8251,"sentiment":"neutral","sentiment_score":0.06701187621802092}],"sentiment":"neutral","sentiment_score":0.1643652291686246,"channel":0,"num_words":33,"start":1536.43,"end":1548.8251},{"sentences":[{"text":"Yep.","start":1548.77,"end":1549.27,"sentiment":"neutral","sentiment_score":0.09351754188537598}],"sentiment":"neutral","sentiment_score":0.09351754188537598,"channel":1,"num_words":1,"start":1548.77,"end":1549.27},{"sentences":[{"text":"They we do have a copy of the hub twenty four performance report in there for you, which outlines the return that you've got there.","start":1550.485,"end":1557.6799,"sentiment":"neutral","sentiment_score":0.14977419555187224},{"text":"It also goes through how all the individual investments have sort of performed so you can see what I have gone through.","start":1557.98,"end":1563.44,"sentiment":"neutral","sentiment_score":0.18088846856897528},{"text":"We do have the summary of the insurance and super there as well.","start":1563.58,"end":1567.42,"sentiment":"neutral","sentiment_score":0.12869141766658196},{"text":"And just double checking with that one.","start":1567.42,"end":1569.26,"sentiment":"neutral","sentiment_score":0.08548578087772642},{"text":"So you'll you don't have any insurances paid out of your super at the moment.","start":1569.26,"end":1573.825,"sentiment":"neutral","sentiment_score":-0.007121069480975469}],"sentiment":"neutral","sentiment_score":0.1205911469623083,"channel":0,"num_words":82,"start":1550.485,"end":1573.825},{"sentences":[{"text":"I know it's something you haven't sort of wanted in the past.","start":1574.205,"end":1576.865,"sentiment":"neutral","sentiment_score":-0.08203734395404656},{"text":"We do have the option of having personal insurances, whether it's life cover, total permanent disability cover, income protection, things like that.","start":1578.285,"end":1585.62,"sentiment":"neutral","sentiment_score":0.05678643828088587},{"text":"Are you willing to look at any additional personal insurances, or are you happy just not having those, or do you have them out of pocket elsewhere?","start":1585.7,"end":1592.6,"sentiment":"neutral","sentiment_score":0.02197329189490389}],"sentiment":"neutral","sentiment_score":0.01406774419497271,"channel":0,"num_words":61,"start":1574.205,"end":1592.6},{"sentences":[{"text":"Yeah.","start":1593.42,"end":1593.82,"sentiment":"neutral","sentiment_score":0.006593706551939249},{"text":"I'm pretty sure I've got them through my my old super with Macquarie, which is why my wife's still with them, I believe.","start":1593.82,"end":1602.96,"sentiment":"neutral","sentiment_score":0.10093557381111642}],"sentiment":"neutral","sentiment_score":0.09700466267531738,"channel":1,"num_words":24,"start":1593.42,"end":1602.96},{"sentences":[{"text":"Right.","start":1603.9249,"end":1604.325,"sentiment":"neutral","sentiment_score":0.12437832355499268},{"text":"So she would have life and TBD and whatnot with Macquarie, but","start":1604.325,"end":1609.205,"sentiment":"neutral","sentiment_score":0.06656198234607776}],"sentiment":"neutral","sentiment_score":0.07100939320830199,"channel":0,"num_words":13,"start":1603.9249,"end":1609.205},{"sentences":[{"text":"Yes.","start":1609.035,"end":1609.535,"sentiment":"neutral","sentiment_score":0.17001259326934814}],"sentiment":"neutral","sentiment_score":0.17001259326934814,"channel":1,"num_words":1,"start":1609.035,"end":1609.535},{"sentences":[{"text":"we have you over in Hub 24.","start":1609.205,"end":1611.6,"sentiment":"neutral","sentiment_score":0.15955839625426702},{"text":"So do you know if you have any insurances with Macquarie as well?","start":1611.98,"end":1616.72,"sentiment":"neutral","sentiment_score":0.08341461620651759}],"sentiment":"neutral","sentiment_score":0.11006493922322988,"channel":0,"num_words":20,"start":1609.205,"end":1616.72},{"sentences":[{"text":"I believe I still do.","start":1617.115,"end":1618.8151,"sentiment":"neutral","sentiment_score":0.09971311986446381}],"sentiment":"neutral","sentiment_score":0.09971311986446381,"channel":1,"num_words":5,"start":1617.115,"end":1618.8151},{"sentences":[{"text":"Okay.","start":1619.26,"end":1619.74,"sentiment":"neutral","sentiment_score":0.02500014752149582},{"text":"Are they sort of paid out of 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all?","start":1629.255,"end":1631.675,"sentiment":"neutral","sentiment_score":-0.0597903182109197}],"sentiment":"neutral","sentiment_score":-0.06880720658227801,"channel":0,"num_words":16,"start":1626.455,"end":1631.675},{"sentences":[{"text":"I don't because it all went to my wife's life, so she all set it up ages ago.","start":1632.825,"end":1636.9249,"sentiment":"neutral","sentiment_score":-0.3139052275154326}],"sentiment":"neutral","sentiment_score":-0.3139052275154326,"channel":1,"num_words":18,"start":1632.825,"end":1636.9249},{"sentences":[{"text":"Right.","start":1637.6901,"end":1638.1901,"sentiment":"neutral","sentiment_score":-0.10289707779884338}],"sentiment":"neutral","sentiment_score":-0.10289707779884338,"channel":0,"num_words":1,"start":1637.6901,"end":1638.1901},{"sentences":[{"text":"Yeah.","start":1639.385,"end":1639.865,"sentiment":"neutral","sentiment_score":-0.08791911602020264},{"text":"I would have to have a look into 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super.","start":1651.4651,"end":1653.785,"sentiment":"neutral","sentiment_score":-0.24180940352380276},{"text":"So there's no record that I can see that you do have any cover through us or through your super that we can see.","start":1653.785,"end":1660.605,"sentiment":"neutral","sentiment_score":-0.17821830355872711}],"sentiment":"neutral","sentiment_score":-0.17570551533840204,"channel":0,"num_words":57,"start":1644.17,"end":1660.605},{"sentences":[{"text":"If","start":1661.0299,"end":1661.19,"sentiment":"neutral","sentiment_score":0.013301298022270204}],"sentiment":"neutral","sentiment_score":0.013301298022270204,"channel":0,"num_words":1,"start":1661.0299,"end":1661.19},{"sentences":[{"text":"Yep.","start":1661.1,"end":1661.595,"sentiment":"neutral","sentiment_score":0.036357514560222626}],"sentiment":"neutral","sentiment_score":0.036357514560222626,"channel":1,"num_words":1,"start":1661.1,"end":1661.595},{"sentences":[{"text":"there is anything in Macquarie, it would be kind of worth knowing how much you are covered for just to kind of make sure that, you know, that you the cover is suited to your needs, that it is protecting what you needed to protect.","start":1661.19,"end":1672.49,"sentiment":"neutral","sentiment_score":0.06760888149340948},{"text":"Because at the moment, based on what I can see, if anything happens, if you were to pass away prematurely, the only benefit paid out, to our understanding, is your super, which can be paid out to your beneficiaries.","start":1673.605,"end":1684.985,"sentiment":"neutral","sentiment_score":-0.040717627662114605},{"text":"But with total time of disability, that covers you in the event that you're unable to go back to work.","start":1686.02,"end":1690.84,"sentiment":"neutral","sentiment_score":-0.04361226167529821},{"text":"I know some employers also have some kind of TBD or income protection benefits.","start":1691.22,"end":1696.6,"sentiment":"neutral","sentiment_score":0.004810810089111328},{"text":"Do you have any of those offered through your employer at all?","start":1696.6599,"end":1700.36,"sentiment":"neutral","sentiment_score":0.0026244892117877803}],"sentiment":"neutral","sentiment_score":0.005238555128184648,"channel":0,"num_words":130,"start":1661.19,"end":1700.36},{"sentences":[{"text":"No.","start":1701.125,"end":1701.3651,"sentiment":"neutral","sentiment_score":-0.1897944211959839},{"text":"I don't think so.","start":1701.3651,"end":1702.425,"sentiment":"neutral","sentiment_score":-0.21630166098475456}],"sentiment":"neutral","sentiment_score":-0.21100021302700042,"channel":1,"num_words":5,"start":1701.125,"end":1702.425},{"sentences":[{"text":"No.","start":1705.035,"end":1705.1151,"sentiment":"neutral","sentiment_score":-0.13968178629875183},{"text":"That's okay.","start":1705.1151,"end":1705.935,"sentiment":"neutral","sentiment_score":-0.024510614573955536},{"text":"And because you work for Rio Tinto.","start":1706.155,"end":1708.155,"sentiment":"neutral","sentiment_score":0.017037218968783106},{"text":"Is that right?","start":1708.155,"end":1708.9751,"sentiment":"neutral","sentiment_score":0.029165007174015045}],"sentiment":"neutral","sentiment_score":0.0013886568351433827,"channel":0,"num_words":13,"start":1705.035,"end":1708.9751},{"sentences":[{"text":"I used to.","start":1709.54,"end":1710.18,"sentiment":"neutral","sentiment_score":-0.030948442096511524},{"text":"I'm with Ford dispute now.","start":1710.18,"end":1711.88,"sentiment":"neutral","sentiment_score":-0.0501538909971714}],"sentiment":"neutral","sentiment_score":-0.04295184765942395,"channel":1,"num_words":8,"start":1709.54,"end":1711.88},{"sentences":[{"text":"Fortescue.","start":1712.2351,"end":1712.7351,"sentiment":"neutral","sentiment_score":-0.004419973585754633}],"sentiment":"neutral","sentiment_score":-0.004419973585754633,"channel":0,"num_words":1,"start":1712.2351,"end":1712.7351},{"sentences":[{"text":"Right.","start":1712.8201,"end":1713.14,"sentiment":"neutral","sentiment_score":0.02989231608808041}],"sentiment":"neutral","sentiment_score":0.02989231608808041,"channel":1,"num_words":1,"start":1712.8201,"end":1713.14},{"sentences":[{"text":"No","start":1713.1151,"end":1713.435,"sentiment":"neutral","sentiment_score":0.02323198691010475}],"sentiment":"neutral","sentiment_score":0.02323198691010475,"channel":0,"num_words":1,"start":1713.1151,"end":1713.435},{"sentences":[{"text":"Yeah.","start":1713.14,"end":1713.4601,"sentiment":"neutral","sentiment_score":0.011263890191912653}],"sentiment":"neutral","sentiment_score":0.011263890191912653,"channel":1,"num_words":1,"start":1713.14,"end":1713.4601},{"sentences":[{"text":"worries.","start":1713.435,"end":1713.935,"sentiment":"neutral","sentiment_score":0.011796398088335993}],"sentiment":"neutral","sentiment_score":0.011796398088335993,"channel":0,"num_words":1,"start":1713.435,"end":1713.935},{"sentences":[{"text":"With Benblin.","start":1713.4601,"end":1714.12,"sentiment":"neutral","sentiment_score":0.005905512720346451},{"text":"Yep.","start":1714.18,"end":1714.68,"sentiment":"neutral","sentiment_score":0.06283368170261383}],"sentiment":"neutral","sentiment_score":0.02488156904776891,"channel":1,"num_words":3,"start":1713.4601,"end":1714.68},{"sentences":[{"text":"Yep.","start":1715.1201,"end":1715.3601,"sentiment":"neutral","sentiment_score":0.0979822427034378},{"text":"That's okay.","start":1715.3601,"end":1716.18,"sentiment":"neutral","sentiment_score":0.24179144203662872},{"text":"Perfect.","start":1716.8,"end":1717.3,"sentiment":"positive","sentiment_score":0.509665310382843},{"text":"Yeah.","start":1718.4801,"end":1718.8,"sentiment":"neutral","sentiment_score":0.011585114523768423},{"text":"So TBD pays out like a lump sum benefit or an income stream if you're totally permanently disabled.","start":1718.8,"end":1723.9401,"sentiment":"neutral","sentiment_score":0.11357924342155457}],"sentiment":"neutral","sentiment_score":0.13683660579440388,"channel":0,"num_words":23,"start":1715.1201,"end":1723.9401},{"sentences":[{"text":"If you do don't have any TBD, you can get access to your super under that same condition.","start":1724.56,"end":1730.395,"sentiment":"neutral","sentiment_score":0.09576929174363613},{"text":"It's permanent capacity, and we can claim that against your super.","start":1730.395,"end":1733.6951,"sentiment":"neutral","sentiment_score":0.11718512732874263},{"text":"But it is worthwhile just making sure that you do have some sort of TBD benefit that suits you because, realistically, if something happened to you, your super balance is quite good.","start":1734.155,"end":1743.835,"sentiment":"positive","sentiment_score":0.4124714629724622},{"text":"But when you factor in, you know, TBD or not being able to go back to work from, say, now till, you know, ten, twenty, thirty years into retirement, you wanna make sure you've got enough money to cover living expenses and things like that.","start":1743.835,"end":1756.76,"sentiment":"neutral","sentiment_score":0.07129662781953812}],"sentiment":"neutral","sentiment_score":0.18321055395282665,"channel":0,"num_words":106,"start":1724.56,"end":1756.76},{"sentences":[{"text":"Yep.","start":1757.0449,"end":1757.5449,"sentiment":"neutral","sentiment_score":0.15100859105587006}],"sentiment":"neutral","sentiment_score":0.15100859105587006,"channel":1,"num_words":1,"start":1757.0449,"end":1757.5449},{"sentences":[{"text":"And that's what TBD is essentially a buffer 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strokes, heart attacks, certain neurological conditions like Parkinson's and things like that.","start":1772.25,"end":1788.645,"sentiment":"neutral","sentiment_score":0.015782939249442685}],"sentiment":"neutral","sentiment_score":0.04418718815945527,"channel":0,"num_words":85,"start":1760.4651,"end":1788.645},{"sentences":[{"text":"Yep.","start":1788.99,"end":1789.49,"sentiment":"neutral","sentiment_score":0.053278014063835144}],"sentiment":"neutral","sentiment_score":0.053278014063835144,"channel":1,"num_words":1,"start":1788.99,"end":1789.49},{"sentences":[{"text":"Trauma is an out of pocket expense.","start":1789.1849,"end":1791.025,"sentiment":"neutral","sentiment_score":-0.07220639181988579},{"text":"It's not held inside super any longer.","start":1791.025,"end":1793.365,"sentiment":"neutral","sentiment_score":-0.1013621176992144},{"text":"But, yeah, if you could have a look at the Macquarie side of things and see what the insurances are there, that would be fantastic.","start":1794.225,"end":1800.245,"sentiment":"neutral","sentiment_score":0.24652552455663682},{"text":"If you do wanna chat to me more about the covers and maybe look at insurances, we absolutely can.","start":1801.3701,"end":1806.81,"sentiment":"neutral","sentiment_score":0.19013482842006182},{"text":"They do get more expensive the older you get, but it is still worth making sure that you have the right protection to cover you and your family in the event that something happens.","start":1806.81,"end":1815.4701,"sentiment":"neutral","sentiment_score":0.1824776940047741}],"sentiment":"neutral","sentiment_score":0.16048871612419252,"channel":0,"num_words":92,"start":1789.1849,"end":1815.4701},{"sentences":[{"text":"Does 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sense?","start":1816.225,"end":1817.1849,"sentiment":"neutral","sentiment_score":0.1558753028512001},{"text":"Yeah.","start":1817.1849,"end":1817.6849,"sentiment":"neutral","sentiment_score":0.1707500517368317}],"sentiment":"neutral","sentiment_score":0.16083355247974396,"channel":0,"num_words":3,"start":1816.225,"end":1817.6849},{"sentences":[{"text":"Yep.","start":1817.3099,"end":1817.8099,"sentiment":"neutral","sentiment_score":0.16637954115867615}],"sentiment":"neutral","sentiment_score":0.16637954115867615,"channel":1,"num_words":1,"start":1817.3099,"end":1817.8099},{"sentences":[{"text":"Do you have any questions about insurances or how they work or any other types of cover?","start":1818.945,"end":1823.105,"sentiment":"neutral","sentiment_score":0.0922440301407786},{"text":"Or did you want me to maybe, you know, look at getting some cover just to give you an idea, or did you just wanna look at Macquarie first and see what you've got 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book you back in to have that presented.","start":1859.34,"end":1865.4401,"sentiment":"neutral","sentiment_score":0.2212370383952345}],"sentiment":"neutral","sentiment_score":0.2293246956758721,"channel":0,"num_words":43,"start":1854.2749,"end":1865.4401},{"sentences":[{"text":"Okay.","start":1866.105,"end":1866.605,"sentiment":"neutral","sentiment_score":0.1699291318655014}],"sentiment":"neutral","sentiment_score":0.1699291318655014,"channel":1,"num_words":1,"start":1866.105,"end":1866.605},{"sentences":[{"text":"And then if you decide in the meantime that you do wanna talk about insurance or look at anything additional, just let me know.","start":1866.38,"end":1872.855,"sentiment":"neutral","sentiment_score":0.15021893164763847},{"text":"I'm more than happy to kinda come back and have that conversation and add anything additional into the advice for 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me.","start":2062.92,"end":2065.24,"sentiment":"neutral","sentiment_score":0.14400567300617695},{"text":"And if they","start":2065.24,"end":2065.8,"sentiment":"neutral","sentiment_score":0.009928600862622261}],"sentiment":"neutral","sentiment_score":0.33285616992839745,"channel":0,"num_words":35,"start":2057.565,"end":2065.8},{"sentences":[{"text":"Yeah.","start":2065.715,"end":2066.215,"sentiment":"neutral","sentiment_score":-0.0070982445031404495}],"sentiment":"neutral","sentiment_score":-0.0070982445031404495,"channel":1,"num_words":1,"start":2065.715,"end":2066.215},{"sentences":[{"text":"don't come through by the end of the day, just let me know, and we'll happily make sure we send it out another way for you.","start":2065.8,"end":2070.84,"sentiment":"neutral","sentiment_score":0.13036599554694617},{"text":"Okay?","start":2070.84,"end":2071.34,"sentiment":"neutral","sentiment_score":0.11493682861328124}],"sentiment":"neutral","sentiment_score":0.12979454491977338,"channel":0,"num_words":27,"start":2065.8,"end":2071.34},{"sentences":[{"text":"No problems.","start":2071.155,"end":2071.895,"sentiment":"positive","sentiment_score":0.41401031613349915}],"sentiment":"positive","sentiment_score":0.41401031613349915,"channel":1,"num_words":2,"start":2071.155,"end":2071.895},{"sentences":[{"text":"Easy.","start":2072.84,"end":2073.32,"sentiment":"positive","sentiment_score":0.585320234298706},{"text":"Thank you so much for your time.","start":2073.32,"end":2074.615,"sentiment":"positive","sentiment_score":0.832105781350817},{"text":"I really appreciate you taking the time to speak to me, and I hope you enjoy the rest of your day.","start":2074.615,"end":2078.7952,"sentiment":"positive","sentiment_score":0.8210100730260214}],"sentiment":"positive","sentiment_score":0.8155611116310646,"channel":0,"num_words":29,"start":2072.84,"end":2078.7952},{"sentences":[{"text":"Uh-huh.","start":2079.25,"end":2079.4102,"sentiment":"neutral","sentiment_score":0.2448870688676834},{"text":"Thank","start":2079.4102,"end":2079.9102,"sentiment":"positive","sentiment_score":0.6481332778930664}],"sentiment":"positive","sentiment_score":0.4465101733803749,"channel":1,"num_words":2,"start":2079.25,"end":2079.9102},{"sentences":[{"text":"Thanks,","start":2080.695,"end":2081.195,"sentiment":"positive","sentiment_score":0.7354104518890381}],"sentiment":"positive","sentiment_score":0.7354104518890381,"channel":0,"num_words":1,"start":2080.695,"end":2081.195},{"sentences":[{"text":"you.","start":2081.1702,"end":2081.6702,"sentiment":"positive","sentiment_score":0.7175649404525757}],"sentiment":"positive","sentiment_score":0.7175649404525757,"channel":1,"num_words":1,"start":2081.1702,"end":2081.6702},{"sentences":[{"text":"Donald.","start":2081.2551,"end":2081.655,"sentiment":"neutral","sentiment_score":0.31522077322006226},{"text":"Talk to you soon.","start":2081.655,"end":2082.635,"sentiment":"neutral","sentiment_score":0.328861303627491}],"sentiment":"neutral","sentiment_score":0.3261331975460052,"channel":0,"num_words":5,"start":2081.2551,"end":2082.635},{"sentences":[{"text":"Uh-huh.","start":2083.25,"end":2083.33,"sentiment":"neutral","sentiment_score":0.15622182190418243},{"text":"Thank you.","start":2083.33,"end":2083.81,"sentiment":"positive","sentiment_score":0.579512894153595},{"text":"Bye.","start":2083.81,"end":2084.31,"sentiment":"positive","sentiment_score":0.4030150771141052}],"sentiment":"positive","sentiment_score":0.4295656718313694,"channel":1,"num_words":4,"start":2083.25,"end":2084.31},{"sentences":[{"text":"Thanks.","start":2084.375,"end":2084.7751,"sentiment":"positive","sentiment_score":0.6262770891189575},{"text":"See you later.","start":2084.7751,"end":2085.5151,"sentiment":"neutral","sentiment_score":0.27247975021600723}],"sentiment":"positive","sentiment_score":0.3609290849417448,"channel":0,"num_words":4,"start":2084.375,"end":2085.5151}]},"summary":{"result":"success","short":"Representatives from Okie Financial speak with John about his annual review and portfolio, highlighting the underperforming investments within his portfolio and the need to remove them from his investment profile. They suggest looking at low-cost options for investments and diversifying his retirement portfolio to mitigate risk. The representatives also discuss retirement plans, retirement age, marital status, and personal insurance coverage. They emphasize the importance of a beneficiary and offer personal insurance options. The speakers emphasize the benefits of Superlight Trauma coverage for out of pocket expenses and offer to help with investment and insurance goals."},"intents":{"segments":[{"text":"I had to completely negotiate your annual review today. Is now still a good time there for you? Yep.","start_word":30,"end_word":48,"intents":[{"intent":"Negotiate annual review","confidence_score":0.7029141}]},{"text":"What I'm gonna do is I'm just gonna send you an email. This is some annual review documents there for you just so you can have a look at the information that we are going through just to make it a bit easier on yourself there. Yep.","start_word":71,"end_word":117,"intents":[{"intent":"Send email","confidence_score":0.61406255},{"intent":"Provide information","confidence_score":0.086528175}]},{"text":"Before we jump into the call as well, I do just have to let you know that we do record our calls for quality and training purposes. Are you happy to proceed with that? Yep.","start_word":119,"end_word":153,"intents":[{"intent":"Record calls","confidence_score":0.80852294}]},{"text":"for this phone call. Nice.","start_word":278,"end_word":282,"intents":[{"intent":"Wait for phone call","confidence_score":0.21391863}]},{"text":"I just wanted to kind of talk a little bit about the different types of investments.","start_word":898,"end_word":913,"intents":[{"intent":"Evaluate portfolio characteristics","confidence_score":0.0011064804}]},{"text":"So if you like, what I could look at doing is I can replace that with a passively managed fund.","start_word":1169,"end_word":1188,"intents":[{"intent":"Promote passive fund options","confidence_score":0.004583355}]},{"text":"We can look at just maneuvering the investment around so that we have greater diversification, maybe lower fees, more passively managed investment to sort of suit you, but we can still keep that growth asset allocation, which is essentially looking at trying to get greater growth, so more returns over the longer term while still kind of trying to mitigate as much market risk as possible.","start_word":1422,"end_word":1487,"intents":[{"intent":"Discuss investment options","confidence_score":0.008026135}]},{"text":"So with regards to retirement aspect, we're working on a retirement age of the age 67.","start_word":1758,"end_word":1773,"intents":[{"intent":"Evaluate retirement age","confidence_score":0.16314758}]},{"text":"Just because when I'm projecting out to do retirement aspect, when I'm taking Centrelink into account, I've gotta take you both into account there. So Yep. it will just be looking at what your super does without any Centrelink consequences, and then we can kind of go from you know, look at the outcome thereafter. Okay? Okay.","start_word":2070,"end_word":2126,"intents":[{"intent":"Plan retirement","confidence_score":0.002008637}]},{"text":"Did you want me to factor that into the advice for you and maybe make a recommendation on salary sacrificing in the system? Yeah. Yes, please.","start_word":2433,"end_word":2458,"intents":[{"intent":"Recommend simplification in salary sacrifice","confidence_score":3.1307614e-8}]},{"text":"So what we can look at doing, is there an amount that you'd be comfortable with? Like, did you wanna start something small, like 50 or $100 a week and then kinda build it from there? Is there an amount and a time frame you'd be comfortable with starting?","start_word":2476,"end_word":2524,"intents":[{"intent":"Explain small monthly payment","confidence_score":0.0000029129974}]},{"text":"And starting now as opposed to in five or ten years down the track, the compounding effect is larger. So starting with a small amount now still provides a great benefit. But I'll I'll make that recommendation for you, show you what that looks like, Yep. and then you can, you know, decide whether you wanna take the recommendations or not. Okay.","start_word":2600,"end_word":2661,"intents":[{"intent":"Discuss compounding effect","confidence_score":0.20106915}]},{"text":"With your assets and liabilities, I had down here your main primary residence last year, rough valuation of 450,000. What sort of value would you put on your house now, do you think?","start_word":2664,"end_word":2696,"intents":[{"intent":"Discuss house value","confidence_score":0.026672967},{"intent":"Share primary residence value","confidence_score":0.000015790363}]},{"text":"So with everything that's been going on, yeah, there's been a few houses around my area that have sold for a bit more. Yes. Yeah.","start_word":2697,"end_word":2721,"intents":[{"intent":"Discuss market for houses","confidence_score":5.167351e-7}]},{"text":"And I have a a loan on that one still of about 275,000. Have you reduced the loan a little bit? Yeah.","start_word":2741,"end_word":2762,"intents":[{"intent":"Confirm loan reduction","confidence_score":0.00043440235},{"intent":"Discuss loan reduction","confidence_score":0.08293866}]},{"text":"Are you sort of hoping to have that paid off before you retire, or you still have you're just sipping I'd away at it? What's the plan?","start_word":2770,"end_word":2796,"intents":[{"intent":"Discuss deposit plan","confidence_score":0.000062869636}]},{"text":"And that's the vehicle that you're paying off through the no dated lease. Is that right? Yes.","start_word":3143,"end_word":3159,"intents":[{"intent":"Verify invoice details","confidence_score":0.00006067995}]},{"text":"Did you want me to find out if WA has anything like that for you to kinda help get that will and power of attorney completed, or you're happy just with the will kit?","start_word":3632,"end_word":3665,"intents":[{"intent":"Request will kit and beneficiary nomination","confidence_score":0.0008763861}]},{"text":"I've also got on your super here that you don't have a beneficiary nomination applied. I do wanna make sure that is done so that this is obviously protected for you as well.","start_word":3708,"end_word":3740,"intents":[{"intent":"Ensuring protection of super and super super.","confidence_score":1.1437143e-8}]},{"text":"I've also got on your super here that you don't have a beneficiary nomination applied. I do wanna make sure that is done so that this is obviously protected for you as well. Because if in the event that something happened, if you were to pass away and attached with it, nothing does. But if you were to pass away there with your super not having a beneficiary nomination applied, it means that it goes through probate.","start_word":3708,"end_word":3784,"intents":[{"intent":"Provide proof of beneficiary nomination and beneficiary nomination.","confidence_score":1.1387964e-8},{"intent":"Ensuring that super is protected from probate","confidence_score":0.0000097500615}]},{"text":"fill the document and send it out. Did you want that posted, emailed, or both?","start_word":4189,"end_word":4203,"intents":[{"intent":"Send document","confidence_score":0.22501776}]},{"text":"fill the document and send it out. Did you want that posted, emailed, or both? What was easier for yourself?","start_word":4189,"end_word":4208,"intents":[{"intent":"Send email","confidence_score":0.02482927}]},{"text":"So just to kind of look now, as I kinda went through before, you're in that growth kind of environment there. The growth portfolio, we kinda went through with the general asset allocation and how that looks. Because you realistically are retiring or around about 60 or 67 depending on the outcome and the projected forecasted figures forward, Yep.","start_word":4296,"end_word":4354,"intents":[{"intent":"Consider portfolio growth","confidence_score":0.012433776}]},{"text":"And it's sort of averaging returns of around about seven to 9% on a yearly basis as well. So anything under 7% means the portfolio has underperformed, and anything over 9% means the portfolio has overperformed there.","start_word":4422,"end_word":4458,"intents":[{"intent":"Understand portfolio performance","confidence_score":0.018840926}]},{"text":"Do you feel like you're fairly comfortable staying within that growth environment, or did you wanna look at reducing the overall risk level of your portfolio as well as altering the investments? Or what's your thoughts there?","start_word":4459,"end_word":4495,"intents":[{"intent":"Discuss portfolio goals","confidence_score":0.0003842441}]},{"text":"And the one good thing about where your balance is now so, I mean, the hardest part is we kinda struggle to get our super balance up to that sort of $25,300,000 mark. But once we kinda get over that hump to $2.50 to 300,000, the compounding effect grows a lot more. If you Yep.","start_word":4541,"end_word":4595,"intents":[{"intent":"Maximize balance and compounding effect","confidence_score":0.0053802156}]},{"text":"I'm pretty sure I've got them through my my old super with Macquarie, which is why my wife's still with them, I believe. Right.","start_word":4903,"end_word":4926,"intents":[{"intent":"Check eligibility","confidence_score":0.000023863817}]},{"text":"But it is worthwhile just making sure that you do have some sort of TBD benefit that suits you because, realistically, if something happened to you, your super balance is quite good. But when you factor in, you know, TBD or not being able to go back to work from, say, now till, you know, ten, twenty, thirty years into retirement, you wanna make sure you've got enough money to cover living expenses and things like that.","start_word":5308,"end_word":5384,"intents":[{"intent":"Provide financial advice","confidence_score":0.0016142423}]},{"text":"you could just double check and find out about the Macquarie insurances, I will just let one of my admin team to touch base over the next few weeks to see if you found anything Yep. or if you do have anything that we probably need to just be aware of for you. Okay? Okay.","start_word":6087,"end_word":6141,"intents":[{"intent":"Inquire about macquarie insurances and inquire about macquarie insurances","confidence_score":0.000067797715}]},{"text":"So did you have any questions about the ongoing service fee or any of the other documents that might be attached there? Yep.","start_word":6318,"end_word":6340,"intents":[{"intent":"Inquire about ongoing service fee","confidence_score":0.02641083},{"intent":"Ask about attached documents","confidence_score":0.013127075},{"intent":"Offer assistance in reviewing documents","confidence_score":0.0002630228}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, John. This is Dana from Okie Financial. How are you this afternoon this morning? So sorry. Not too bad.","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.1191808059811592},{"text":"Thank you. That's good wishful thinking.","start_word":21,"end_word":26,"sentiment":"positive","sentiment_score":0.405871719121933},{"text":"Apologies about that. I had to completely negotiate your annual review today. Is now still a good time there for you? Yep. Yep.","start_word":27,"end_word":49,"sentiment":"neutral","sentiment_score":0.015486258082091808},{"text":"Fantastic.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.4465634822845459},{"text":"Do you happen to have access to your emails there at the moment as well? Yes. I do. Yes.","start_word":51,"end_word":69,"sentiment":"neutral","sentiment_score":0.18182037770748136},{"text":"Fantastic.","start_word":70,"end_word":70,"sentiment":"positive","sentiment_score":0.5322846174240112},{"text":"What I'm gonna do is I'm just gonna send you an email. This is some annual review documents there for you just so you can have a look at the information that we are going through just to make it a bit easier on yourself there. Yep.","start_word":71,"end_word":117,"sentiment":"neutral","sentiment_score":0.31015294790267944},{"text":"Beautiful.","start_word":118,"end_word":118,"sentiment":"positive","sentiment_score":0.4994361996650696},{"text":"Before we jump into the call as well, I do just have to let you know that we do record our calls for quality and training purposes. Are you happy to proceed with that? Yep. Yep.","start_word":119,"end_word":154,"sentiment":"neutral","sentiment_score":0.15480317175388336},{"text":"Fantastic. Excellent.","start_word":155,"end_word":156,"sentiment":"positive","sentiment_score":0.4806288480758667},{"text":"I'm just pressing send. Send. That should come through quickly for you. Okay. So we are in WA. Everything's a bit slower over here. Yep. No. You're right. I think everything's a little bit slow here as well. It's just the Internet's a tad bit fun with us all at the moment. Wants to work when it wants to. Yep. Oh, this is gonna be fun, this Internet today.","start_word":157,"end_word":225,"sentiment":"neutral","sentiment_score":0.012512068264186382},{"text":"I love this.","start_word":226,"end_word":228,"sentiment":"positive","sentiment_score":0.4106166362762451},{"text":"I think I pressed send. It just might not come through as fast. Yep. Let me just press again. There we go. How's your morning been so far? Not so bad. Yeah. Just done the usual drop kids at school, and now just yeah. Yeah. I was waiting Nice. for this phone call. Nice. Nice. Nice. And this is your week off, essentially? Yeah. Yep. Thursday off today. Yep. Oh, Yeah.","start_word":229,"end_word":299,"sentiment":"neutral","sentiment_score":0.08124185353517532},{"text":"fantastic.","start_word":300,"end_word":300,"sentiment":"positive","sentiment_score":0.3734051585197449},{"text":"Okay. It should be coming through any minute for you.","start_word":301,"end_word":310,"sentiment":"neutral","sentiment_score":0.3113592863082886},{"text":"It says it has gone through, so that's a positive.","start_word":311,"end_word":320,"sentiment":"positive","sentiment_score":0.3460443615913391},{"text":"We'll take that when. Alright.","start_word":321,"end_word":325,"sentiment":"neutral","sentiment_score":0.24847917258739471},{"text":"All good.","start_word":326,"end_word":327,"sentiment":"positive","sentiment_score":0.37078857421875},{"text":"What I can do for you, if you like, because I just start by going through, obviously, the things I need to go through. When when that does happen to pop through, just let me know, Yep. and I can direct you through opening up the documents there. But this is part of your annual review this morning. Is there anything particular you wanted to sort of ask or have me touch base on? Or Not really. I had checked it a few times during the year. Obviously, yeah. it's going up, and then it drops with what's going on in the world. But Yeah. yeah. No no real questions. Yep. No.","start_word":328,"end_word":439,"sentiment":"neutral","sentiment_score":0.024172348203137517},{"text":"Perfect.","start_word":440,"end_word":440,"sentiment":"positive","sentiment_score":0.33500969409942627},{"text":"Well, just to sort of go through what we do have. So when we did the annual review with you last year, your balance then was about $363,003.79. So your balance this year, you're up to $423,008.98 as of yesterday's date.","start_word":441,"end_word":481,"sentiment":"neutral","sentiment_score":0.2159290909767151},{"text":"So it is a good increase on where we were last year, Yep.","start_word":482,"end_word":494,"sentiment":"positive","sentiment_score":0.4990339875221253},{"text":"albeit we do know the markets have been a bit up and down, a bit volatile, especially with what has been happening globally there. The Yep. US and the Iran war has definitely affected things, but then here in Australia, we've also had high inflationary prices as well, and that has also affected some of the low risk fixed interest side of things.","start_word":495,"end_word":557,"sentiment":"neutral","sentiment_score":-0.263977974653244},{"text":"So a little bit of a hit on both sides of it.","start_word":558,"end_word":569,"sentiment":"negative","sentiment_score":-0.3839704990386963},{"text":"When I do look at your portfolio as a whole, net of fees, so after fees for the last twelve months, you have received a 7.89% return.","start_word":570,"end_word":596,"sentiment":"neutral","sentiment_score":0.19878524541854856},{"text":"So it is really good to see that we've still got some growth in there.","start_word":597,"end_word":611,"sentiment":"positive","sentiment_score":0.5845843553543091},{"text":"Some people do prefer a dollar figure as opposed to a percentage, so it does show that your earnings for the year is about $38,542. So, again, that's a good net figure to receive even though we see what's been going up and down there. Okay? Yep. Easy. Now I just wanted to sort of go through I have noticed that one of your investments within your super fund, the Benelon Australian Equities, that one, when I kinda review everything individually, has been underperforming a little bit. So I was thinking as part of what I'd like to do after review is go back and just maybe update the advice for you, maybe look at switching you out of that investment. We Yep. wanna make sure that you're not in anything underperforming and maybe just update your investment profile for you. Would that be okay? Yeah. Yep.","start_word":612,"end_word":758,"sentiment":"neutral","sentiment_score":0.01613890327715955},{"text":"Yeah. Fantastic.","start_word":759,"end_word":760,"sentiment":"positive","sentiment_score":0.5785049200057983},{"text":"I think when something's underperforming, we know when markets are sort of going up and down, there are points where some investments might not be performing as Yep. well as others, and that's why we diversify. However, when we sort of look at the then along Australian equities, but we also look at Australian equities. Generally, Australian equities are actually performing quite well at the moment, and they're not seeing as big of a job as what the Bennelong portion has in your portfolio. So it does kinda tell us that the issue is with the investment itself, with the underlying investments within Benelung and not so much with the market or as, you know, with it normal trading conditions, essentially. Yep. So it does kind of flag that we do need to remove that for you. I just wanted to kind of talk a little bit about the different types of investments. So with the way Benelung was putting your portfolio, because it's an actively managed investment, so, essentially, the investment manager within Benelung there, they are they're trying to outperform against the market, and you tend to have a little bit more of a cost involved with having these sorts of investors in your portfolio. Did you want me to look at replacing that with something that is an active manager, or did you want me to look at more of a low cost option for you for investments to replace that one? What would be your preference? I'd sort of with everything that's going on, I'm probably looking at the safer options. But, Yeah. Yep. obviously, I'm I'm well, well, I'm 48 now, so I've got another ten years of working or so, hopefully. Yep. Yep. So I'd I'd like to yeah. I think when I first set this up, I was I went more of a high risk option because I I wanna get some super built. Yeah. But also, like I said, I'm I'm more of a safer person usually, A if bit that more makes conservative. sense. Yeah. Yeah.","start_word":761,"end_word":1105,"sentiment":"neutral","sentiment_score":-0.007941875606775284},{"text":"Absolutely.","start_word":1106,"end_word":1106,"sentiment":"positive","sentiment_score":0.3570775091648102},{"text":"Yeah. So yeah. I'm not really sure which That's way to okay. go. No. That's okay. With the investments I do have, obviously, with where you are, you're getting closer to wanting to access. You did sort of mention that you are sort of focused on a little bit more risk mitigation for first sort of a safer route where possible. Yep. So if you like, what I could look at doing is I can replace that with a passively managed fund.","start_word":1107,"end_word":1188,"sentiment":"neutral","sentiment_score":0.15553002059459686},{"text":"The passive funds are lower cost. They are not trying to outperform against the market. So it can also lower the risk level of your portfolio as well And, obviously, look at maybe greater diversification. So an investment option with more investments in it than what Van Alon does, because greater Yep. diversification can help to mitigate market risk as well.","start_word":1189,"end_word":1249,"sentiment":"positive","sentiment_score":0.3904226124286651},{"text":"Does that sound like something you'd be comfortable with me looking at? So like I said, I'm I'm in the two minds on it. Like, I I I wanna see it grow, obviously. And Yeah. to do that, I've gotta take that bit of a risk. So, Yeah. yeah, I I don't know. Yeah. That's okay. So when you're sort of talking about taking on a bit of risk, what we can do by moving it to a passively managed fund and trying to save a bit of cost and also look at more diversification to mitigate risk, we can do that but still keep you in the same kind of risk profile. So with where you are at the moment, you're actually in a growth portfolio, which generally sees about 80% of your super invested in growth assets. So things like Australian shares, international shares, listed properties, and also commodities. And Yep. then the other sort of 20% in lower risk defensive investments, like cash, bonds, and fixed interest. Yep. We can look at just maneuvering the investment around so that we have greater diversification, maybe lower fees, more passively managed investment to sort of suit you, but we can still keep that growth asset allocation, which is essentially looking at trying to get greater growth, so more returns over the longer term while still kind of trying to mitigate as much market risk as possible. It's a bit of juggling at, but, essentially, we can replace that with something passive, low cost, provide diversification, and still keep you in that higher risk component trying to get greater returns. Does that make Yep. sense? That that's Yeah. it. Yep.","start_word":1250,"end_word":1529,"sentiment":"neutral","sentiment_score":0.20222623609006404},{"text":"Yeah. So I can definitely do the best of both worlds and have a look at those options and generate a portfolio that has been performing well, that has shown great growth, still has the right asset allocation, but maybe might be cheaper for you so you keep more money and you're super working harder.","start_word":1530,"end_word":1584,"sentiment":"positive","sentiment_score":0.5273799300193787},{"text":"Does that sound alright? Yeah. No. That does sound alright. Or Yep. that sounds good? Yeah. Yep. Beautiful. Sorry. This We did email have still hasn't come through. Oh, hasn't it? That's really No. bizarre. Like I said, we are in WA. Yeah. That's okay. It may come through after. What Yep. I'll even do is after I'll I'll try and resend it again just to see It's if it's something on this end. We have had usually a little bit of trouble with the system sending those. That could just be the system too. I think last time I did this, it it took ages for it to come through as well. Right. Okay. Makes sense. Yeah. Yep. That's alright. What I'll do is I'll press so resend, and, Yep. hopefully, it pops through shortly. If it doesn't and it doesn't come through by the end of the day, if you can just let me know, and we'll try and send it another way for you. Okay? Yeah. Right. Yep.","start_word":1585,"end_word":1755,"sentiment":"neutral","sentiment_score":-0.04152103513479233},{"text":"Perfect.","start_word":1756,"end_word":1756,"sentiment":"positive","sentiment_score":0.4917728304862976},{"text":"So with regards to retirement aspect, we're working on a retirement age of the age 67. Do you still feel like that's where you're tracking or hoping to access super, or do you think you'd like to try and retire earlier? I'd definitely like to go earlier, but yeah. Yes. Yeah. At this point, it is what it is, I suppose. Yeah. Well, at the moment, like, the age of 67 because are you sort of under the impression that you can't stop working till 67? No. No. It's like It's just more building that that level up to to a point where I can stop working, I suppose. yeah. Yeah. That's okay. So you think you'd probably keep working to age 67? Let's see if I have. Depend depending on the projected outcome? Yeah. Yep. Yes. That's okay. What I can do, if you like, is I can have a look at, obviously, what we're doing with the advice, look at the investments, and maybe consider what what might be expected at, say, '60, '65, and '67 for you to kinda give you an idea of what's projected based based on the recommendations. And Yep. that might give you a bit of an idea of, you know, when you might, if you do wanna sort of stop working earlier, what that might look like for you. Alright. Yeah. Yeah.","start_word":1757,"end_word":1986,"sentiment":"neutral","sentiment_score":0.007206316106021404},{"text":"Perfect. Excellent.","start_word":1987,"end_word":1988,"sentiment":"positive","sentiment_score":0.6739371418952942},{"text":"And, also, just confirming here. Now I've got it down that you are married as well. Yep. Yep. Yep.","start_word":1989,"end_word":2007,"sentiment":"neutral","sentiment_score":0.16453295946121216},{"text":"Beautiful.","start_word":2008,"end_word":2008,"sentiment":"positive","sentiment_score":0.4083569049835205},{"text":"Does your wife have a super? Yes. She does. I don't know who it's with. I think it might be Macquarie. Yeah. That's okay. Do you know roughly if she has a big balance or if it's sorta over or under about a 100,000? I don't know. That's No. something That's I've actually okay. never asked us. No. That's okay. Just because when I'm projecting out to do retirement aspect, when I'm taking Centrelink into account, I've gotta take you both into account there. So Yep. it will just be looking at what your super does without any Centrelink consequences, and then we can kind of go from you know, look at the outcome thereafter. Okay? Okay. Yep.","start_word":2009,"end_word":2126,"sentiment":"neutral","sentiment_score":-0.0035551119027501447},{"text":"Beautiful. All good.","start_word":2127,"end_word":2129,"sentiment":"positive","sentiment_score":0.6114579439163208},{"text":"And just updating a few things here for you. I had it down here, and then I'm looking for a bit of time ahead of you still. So but, realistically, I've got it down here that you are sort of hoping to live on about a thousand dollars a week income in retirement. Is that still what you're thinking? I know that could definitely change. Yeah. Yeah. I would have thought that should be enough at at that retirement age. Yeah. Yep.","start_word":2130,"end_word":2211,"sentiment":"neutral","sentiment_score":-0.001533176051452756},{"text":"Perfect. Beautiful. Excellent.","start_word":2212,"end_word":2214,"sentiment":"positive","sentiment_score":0.5187227725982666},{"text":"And I've got down here, you've got three kids all still at home. Yeah. Also, I'm Oh, at the moment. I'm trying to get rid of them, but they won't leave. look. I've got a 19 and a 20 year old. They're still technically financial dependent. They still call up and ask for money and they help. Yep. Yeah. No. All good. Not a problem at all. I've got down here. Income was you were on about a 185,000 last year. Is this still about the same? It's gone up a little bit. Yep. So my total package is 202,000. Yep.","start_word":2215,"end_word":2315,"sentiment":"neutral","sentiment_score":-0.02132105827331543},{"text":"Beautiful.","start_word":2316,"end_word":2316,"sentiment":"positive","sentiment_score":0.33897554874420166},{"text":"So 202,000.","start_word":2317,"end_word":2318,"sentiment":"neutral","sentiment_score":0.17981137335300446},{"text":"Lovely.","start_word":2319,"end_word":2319,"sentiment":"positive","sentiment_score":0.3457998037338257},{"text":"And I've got down here that you not necessarily putting anything in the super additional to your employer contributions, but you did have a novated lease. So you are salary sacrificing for your vehicle? Yes. Yep. Yep. Beautiful. Are you open to making additional contributions to super to kind of help build that so you could maybe retire earlier, or you're just wanting to keep what you've got going in now with your employer contributions? No. I am actually starting to get to that point where I I realize I've gotta add a bit more in. Well, I want to add Yeah. a bit more in. Yeah. So Yeah. yeah. Yep. That's okay. Did you want me to factor that into the advice for you and maybe make a recommendation on salary sacrificing in the system? Yeah. Yes, please. Yeah. Just so I can sort Yes. of have a look at the the edit. Yeah. Absolutely. So what we can look at doing, is there an amount that you'd be comfortable with? Like, did you wanna start something small, like 50 or $100 a week and then kinda build it from there? Is there an amount and a time frame you'd be comfortable with starting? It's probably I don't know. Anything's better than nothing, isn't it? So if it was even if Yep. it was that $50 a week sort of thing, that'd be yeah. Yes. Absolutely. And, like, $50 per week, essentially, starting off small. Because salary sacrifice does reduce your take home pay, it means you can kind of start that off, see how it changes your expenditure, and Yep. then just kinda build on it from there. And starting now as opposed to in five or ten years down the track, the compounding effect is larger.","start_word":2320,"end_word":2618,"sentiment":"neutral","sentiment_score":0.049173137797182895},{"text":"So starting with a small amount now still provides a great benefit.","start_word":2619,"end_word":2630,"sentiment":"positive","sentiment_score":0.4112647473812103},{"text":"But I'll I'll make that recommendation for you, show you what that looks like, Yep. and then you can, you know, decide whether you wanna take the recommendations or not. Okay. Yep.","start_word":2631,"end_word":2662,"sentiment":"neutral","sentiment_score":0.15152624249458313},{"text":"Perfect.","start_word":2663,"end_word":2663,"sentiment":"positive","sentiment_score":0.3975015878677368},{"text":"With your assets and liabilities, I had down here your main primary residence last year, rough valuation of 450,000. What sort of value would you put on your house now, do you think? So with everything that's been going on, yeah, there's been a few houses around my area that have sold for a bit more. Yes. Yeah. I think it's gone up to around that 500 sort of mark at the moment.","start_word":2664,"end_word":2736,"sentiment":"neutral","sentiment_score":0.0746934711933136},{"text":"Fantastic. Excellent. Beautiful. Lovely.","start_word":2737,"end_word":2740,"sentiment":"positive","sentiment_score":0.6633955240249634},{"text":"And I have a a loan on that one still of about 275,000. Have you reduced the loan a little bit? Yeah. It's about 255 now.","start_word":2741,"end_word":2766,"sentiment":"neutral","sentiment_score":0.04755354672670365},{"text":"Oh, fantastic.","start_word":2767,"end_word":2768,"sentiment":"positive","sentiment_score":0.46548646688461304},{"text":"Are you sort of hoping to have that paid off before you retire, or you still have you're just sipping I'd away at it? What's the plan? I'd I'd And like I'd like to have it gone before our entire, but yeah. It yep. yeah.","start_word":2769,"end_word":2813,"sentiment":"neutral","sentiment_score":-0.010200398042798042},{"text":"Beautiful.","start_word":2814,"end_word":2814,"sentiment":"positive","sentiment_score":0.6133034229278564},{"text":"And you're fairly happy with how you're sipping away in a way without reducing it? You're sort of putting extra on top of it on a regular basis? Yeah. It's wrong. So yeah. Yeah. That's okay. Well, if you ever did wanna speak to a mortgage broker, I know you probably also got some, but we do also have access to mortgage brokers that can, you know, reassess your loan, the value, help you to sort of structure Yep. paying that down before retirement as well. So those are the services that are part of what we do, and it's a complimentary to yourself. So you just need to let us know when and if you want that referral placed through for you. Okay? Okay. That's yeah.","start_word":2815,"end_word":2941,"sentiment":"neutral","sentiment_score":0.11095082759857178},{"text":"It's good to know.","start_word":2942,"end_word":2945,"sentiment":"positive","sentiment_score":0.4165723919868469},{"text":"Yep. Yeah. I've also got down here that you do have some shares with SMG, and they were valued last year about 30,000. Do you still have those? I do have majority of them, and it's about Yep. I think it was 39 now.","start_word":2946,"end_word":2989,"sentiment":"neutral","sentiment_score":0.03773079812526703},{"text":"Oh, fantastic. Excellent.","start_word":2990,"end_word":2992,"sentiment":"positive","sentiment_score":0.3980771005153656},{"text":"And we're about to get another lot in the next two months. So Nice. yeah. Nice. No. Okay. It's fantastic. And you're happy just with those sitting there not wanting to look at selling or you'll just keep those until maybe retirement and then look at what to do with the shares. Is that right? Or Pretty much. Yeah. Pretty Yep. much. Yeah. Perfect. And then I've also got your car down here. I'm sorry. It doesn't tell me what kind of car you drive, but it has an asset value of 80,000 around the bounce. Is it how much value you keep on your car? Or Yeah. It sort of is up around that. yep. Well, yeah. Yeah. It's only three years old. So, yeah, it's it's not too Yeah. bad. Board ranges. So, yeah, they seem to hold their value okay. They do.","start_word":2993,"end_word":3137,"sentiment":"neutral","sentiment_score":0.07090208026869543},{"text":"They absolutely do. Yeah. Perfect.","start_word":3138,"end_word":3142,"sentiment":"positive","sentiment_score":0.5551621913909912},{"text":"And that's the vehicle that you're paying off through the no dated lease. Is that right? Yes. Yep. Yep.","start_word":3143,"end_word":3161,"sentiment":"neutral","sentiment_score":0.2404213696718216},{"text":"Fabulous. Lovely.","start_word":3162,"end_word":3163,"sentiment":"positive","sentiment_score":0.6697998046875},{"text":"Do you have any other debts, credit cards, personal loans, or anything like that? I do. Yeah. Yep. Yep. Perfect. When we just look at the sorry. The credit card, what's the total value or and that you'd have out in on those? The credit cards, I think that's about 45 at the moment, 45,000. Forty 5,000. Yes. Yep. Beautiful. And how much do you owe in personal loans? I've got a loan for I think it's 30 ish. I haven't looked at that That one is for a while. It just comes out of my pay, and I yeah. no. That's okay. I understand. Easy. And do you have any other collections or anything else of value that you think you should be that we should note down for you? Or Not really. No. no. That's okay. Not a problem at all. And I've got down here that you hadn't had a will done up, but last year, I believe, it was being finalized. Has that all been completed? Do you have a will, power of attorney, everything set up there? It's written out. It hasn't been finalized No. That's okay. Something on the list to still. do. Yeah. Yeah. It's one of those ones Yep. that you start doing it, and then it gets put to the side, and I was thinking about it. Yeah. No. Me me and my wife are both yeah. We've realized that we we should have one, and we've started No. it, I think, about three times now. And it just yeah. It never quite get finished. No. Understandable. Is that with, like, a solicitor or just a bit of a will kit? It's just a wheel kit. Yeah. Yeah. No. That's okay.","start_word":3164,"end_word":3453,"sentiment":"neutral","sentiment_score":5.815444706842817e-6},{"text":"All good.","start_word":3454,"end_word":3455,"sentiment":"positive","sentiment_score":0.5466914176940918},{"text":"I had a look at those the other day. The post office, they used to be about $20.25 bucks. I think they're about 30 odd dollars these days, so Yeah. getting up Yeah. there. No. All good. You can also, depending on sort of I I know seeing a solicitor can be a lot more expensive when it comes to doing your will and things like that. But you can also through and I'm just double checking because you're you're in WA. Like, over here in Queensland, New South Wales, we have, like, our RMS and Road and Authority Services. The WA probably has something very similar, and Yep. I can find out sort of who who they do them through. But the government agencies that can help you very safely to do up a will, they put you in touch with someone who can draw up a will. They normally charge a very low cost for doing that, and it can also to be done over the phone and by email and things like that. Did you want me to find out if WA has anything like that for you to kinda help get that will and power of attorney completed, or you're happy just with the will kit? No. Actually, if you could, yeah, that'd be that'd be good. Yes. Yeah. That's Yep. okay. Someone to take the take the stress away from filling it out. Someone to do it for you. Alright. Let's get Do it you finished. yeah. I've also got on your super here that you don't have a beneficiary nomination applied. I do wanna make sure that is done so that this is obviously protected for you as well. Because if in the event that something happened, if you were to pass away and attached with it, nothing does. But if you were to pass away there with your super not having a beneficiary nomination applied, it means that it goes through probate. The funds aren't paid directly to where you want them to go, and probate can take anywhere from about twelve to eighteen months on a good day. It can take a bit longer, and it means that people can come forward, place a stake on your estate. It doesn't mean that it goes directly to your wife. Normally, it should under state legislation, but if, say, a judge feels that there's someone else with a claim that is valid, they can opt to pay out money to other people as well. So Yeah. Right. having Yep.","start_word":3456,"end_word":3880,"sentiment":"neutral","sentiment_score":0.06552705433438806},{"text":"that beneficiary in place is really important to do. If you I'm happy if you like for my team to prefill the document to make it a bit easier on you so that all you have to do is sign and have a witness.","start_word":3881,"end_word":3924,"sentiment":"positive","sentiment_score":0.4292224049568176},{"text":"Would you like us to take care of that? Yes, please. Yeah. I thought my Yeah. wife was, but yeah. That's okay. So I've got them here. You just want everything to go to your wife's, is it Kylie? Yep. Yep. Yep.","start_word":3925,"end_word":3966,"sentiment":"neutral","sentiment_score":0.09944261610507964},{"text":"Beautiful.","start_word":3967,"end_word":3967,"sentiment":"positive","sentiment_score":0.4435488283634186},{"text":"I've got Kylie's name as Kylie Nadine Condor. Is that right? Fantastic. And do you know her date of birth at Yep. all? Yep. It's first of the fourth nineteen eighty two. 04/1982. Beautiful. And this is in the same address that we have for yourself here. Yep.","start_word":3968,"end_word":4015,"sentiment":"neutral","sentiment_score":0.1256045401096344},{"text":"Beautiful. Lovely. And you're happy with a 100% of the benefit being paid to her in the event of something Yep.","start_word":4016,"end_word":4036,"sentiment":"positive","sentiment_score":0.3983853757381439},{"text":"occurring? Yes. Yep. Yeah.","start_word":4037,"end_word":4040,"sentiment":"neutral","sentiment_score":0.1840838193893433},{"text":"Fantastic. Lovely.","start_word":4041,"end_word":4042,"sentiment":"positive","sentiment_score":0.48972344398498535},{"text":"And we have a couple of different options for the way a beneficiary can be structured. Obviously, you've got your nonbinding, which is a standard beneficiary nomination. You're essentially putting the direction on your super, and then the trustee has direction as to whether he follows that or not. A binding nomination can be lapsing or non lapsing. So lapsing means you have to redo the form every three years, or non lapsing means it stays in place until you revoke it. Are you happy to have it non lapsed so you don't have to fill the format again, or did you want one of the other options? Yep. No. No. The nonlapsing sounds good. It does sound good, doesn't it? Yeah. It's a lot easier. Not a absolutely.","start_word":4043,"end_word":4171,"sentiment":"neutral","sentiment_score":0.12719500064849854},{"text":"That's Not good. a problem.","start_word":4172,"end_word":4176,"sentiment":"negative","sentiment_score":-0.5453691482543945},{"text":"Well, I'll get my team to do that for you, pre Okay. fill the document and send it out. Did you want that posted, emailed, or both? What was easier for yourself? I'd like to say email would be easier, but I still haven't received the other email yet. That's okay. We can post it if you like to make it easier. No. Email would be alright. It'll, yeah, Email it'll get here be eventually. okay? Yep. Yeah. That's Yep. okay. Not a problem at all. And I'll get the team default to make sure it does come through. If anything changes and you need it posted, we can organize that. That's not an issue. Okay. Okay. Yep.","start_word":4177,"end_word":4294,"sentiment":"neutral","sentiment_score":0.04852299764752388},{"text":"Excellent.","start_word":4295,"end_word":4295,"sentiment":"positive","sentiment_score":0.40244561433792114},{"text":"So just to kind of look now, as I kinda went through before, you're in that growth kind of environment there. The growth portfolio, we kinda went through with the general asset allocation and how that looks. Because you realistically are retiring or around about 60 or 67 depending on the outcome and the projected forecasted figures forward, Yep. you do have time to stay in that kind of growth environment there. The growth portfolio generally suits someone who has at least six years before they want you to access a super because you are in that sort of higher growth environment there.","start_word":4296,"end_word":4398,"sentiment":"neutral","sentiment_score":0.008421467617154121},{"text":"And we are sort of expecting a negative year, sort of one in every six years for this sort of a portfolio.","start_word":4399,"end_word":4420,"sentiment":"negative","sentiment_score":-0.3664028644561768},{"text":"Yep. And it's sort of averaging returns of around about seven to 9% on a yearly basis as well. So anything under 7% means the portfolio has underperformed, and anything over 9% means the portfolio has overperformed there. Do you feel like you're fairly comfortable staying within that growth environment, or did you wanna look at reducing the overall risk level of your portfolio as well as altering the investments? Or what's your thoughts there?","start_word":4421,"end_word":4495,"sentiment":"neutral","sentiment_score":0.016912110149860382},{"text":"No. I'm happy with how it's been going.","start_word":4496,"end_word":4503,"sentiment":"negative","sentiment_score":-0.43713319301605225},{"text":"Yes. Like I said, I understand that, you know, it's it's stocks and that, they go up and down and and all that. So, Yeah. yeah, no, I'm happy with where it's at at the moment.","start_word":4504,"end_word":4539,"sentiment":"neutral","sentiment_score":-0.07078020088374615},{"text":"Beautiful.","start_word":4540,"end_word":4540,"sentiment":"positive","sentiment_score":0.6871230602264404},{"text":"And the one good thing about where your balance is now so, I mean, the hardest part is we kinda struggle to get our super balance up to that sort of $25,300,000 mark. But once we kinda get over that hump to $2.50 to 300,000, the compounding effect grows a lot more. If you Yep. think about someone with a $50,000 balance, a 5% return is much lower, whereas the same 5% return on a $500,000 balance means the return is much higher as well. So Yes.","start_word":4541,"end_word":4627,"sentiment":"neutral","sentiment_score":0.1120990663766861},{"text":"that compounding effect as your balance grows a little bit will start to get bigger and bigger and bigger, and you'll see your balance will, you know, grow a lot faster. It is essentially, you know, gets to double and triple a lot faster as we get over that $300,000 hump there. So with your current balance and the current return, it has done very, very well for this year, But we just wanna make sure it continues to do well and just keep it growing and keep it compounding moving forward for you.","start_word":4628,"end_word":4721,"sentiment":"positive","sentiment_score":0.5063169002532959},{"text":"Okay? Yep.","start_word":4722,"end_word":4723,"sentiment":"neutral","sentiment_score":0.22251415252685547},{"text":"Easy. Excellent.","start_word":4724,"end_word":4725,"sentiment":"positive","sentiment_score":0.47773924469947815},{"text":"I think that's most of everything I needed to go through. When the when the review documents do happen to hit and get to you, they're probably floating over very slowly. Yep. They we do have a copy of the hub twenty four performance report in there for you, which outlines the return that you've got there. It also goes through how all the individual investments have sort of performed so you can see what I have gone through. We do have the summary of the insurance and super there as well. And just double checking with that one. So you'll you don't have any insurances paid out of your super at the moment. I know it's something you haven't sort of wanted in the past. We do have the option of having personal insurances, whether it's life cover, total permanent disability cover, income protection, things like that. Are you willing to look at any additional personal insurances, or are you happy just not having those, or do you have them out of pocket elsewhere? Yeah. I'm pretty sure I've got them through my my old super with Macquarie, which is why my wife's still with them, I believe. Right. So she would have life and TBD and whatnot with Macquarie, but Yes. we have you over in Hub 24. So do you know if you have any insurances with Macquarie as well? I believe I still do. Okay. Are they sort of paid out of pocket? Or Yeah. It must be. are you do you get not sure. Do you get renewal letters from them at all? I don't because it all went to my wife's life, so she all set it up ages ago. Right. Yeah. I would have to have a look into that. Yeah. It would I be probably good to do should. so. Yeah. Because having a look at the way things are at the moment, you don't have any life, PPD, income protection, or trauma cover. Personal insurance is paid out of your super. So there's no record that I can see that you do have any cover through us or through your super that we can see. If Yep. there is anything in Macquarie, it would be kind of worth knowing how much you are covered for just to kind of make sure that, you know, that you the cover is suited to your needs, that it is protecting what you needed to protect. Because at the moment, based on what I can see, if anything happens, if you were to pass away prematurely, the only benefit paid out, to our understanding, is your super, which can be paid out to your beneficiaries. But with total time of disability, that covers you in the event that you're unable to go back to work. I know some employers also have some kind of TBD or income protection benefits. Do you have any of those offered through your employer at all? No. I don't think so. No. That's okay. And because you work for Rio Tinto. Is that right? I used to. I'm with Ford dispute now. Fortescue. Right. No Yeah. worries. With Benblin. Yep. Yep. That's okay.","start_word":4726,"end_word":5258,"sentiment":"neutral","sentiment_score":0.006051272069982919},{"text":"Perfect.","start_word":5259,"end_word":5259,"sentiment":"positive","sentiment_score":0.509665310382843},{"text":"Yeah. So TBD pays out like a lump sum benefit or an income stream if you're totally permanently disabled. If you do don't have any TBD, you can get access to your super under that same condition. It's permanent capacity, and we can claim that against your super.","start_word":5260,"end_word":5307,"sentiment":"neutral","sentiment_score":0.10582131644090016},{"text":"But it is worthwhile just making sure that you do have some sort of TBD benefit that suits you because, realistically, if something happened to you, your super balance is quite good.","start_word":5308,"end_word":5339,"sentiment":"positive","sentiment_score":0.410687267780304},{"text":"But when you factor in, you know, TBD or not being able to go back to work from, say, now till, you know, ten, twenty, thirty years into retirement, you wanna make sure you've got enough money to cover living expenses and things like that. Yep. And that's what TBD is essentially a buffer for. Yep. Income protection pays out a lump sum monthly benefit in the event that you're unable to go back to work in the short term due to illness or injury, and they normally have, like, a waiting at a benefit period. And then there's other types of insurances you can't hold inside Superlight Trauma, which pays out a lump sum tax free benefit if you're diagnosed with a major traumatic condition, things like cancer, strokes, heart attacks, certain neurological conditions like Parkinson's and things like that. Yep. Trauma is an out of pocket expense. It's not held inside super any longer. But, yeah, if you could have a look at the Macquarie side of things and see what the insurances are there, that would be fantastic. If you do wanna chat to me more about the covers and maybe look at insurances, we absolutely can. They do get more expensive the older you get, but it is still worth making sure that you have the right protection to cover you and your family in the event that something happens. Does that Yep. make sense? Yeah. Yep. Do you have any questions about insurances or how they work or any other types of cover? Or did you want me to maybe, you know, look at getting some cover just to give you an idea, or did you just wanna look at Macquarie first and see what you've got there? Yeah. I'll find out what we've got first. Like I said, Yep. I know my wife had it all sorted ages ago, but yeah. Yeah. No. That's okay. Not an issue at all. Well, what I'll do is I'll just focus now on just getting the investment side of things sorted for you to the investments, which you're moving the underperforming investments and look at projecting that forward for you to see what that looks like. We Yep. can add in that $50 per week salary sacrifice for you and provide the plan. Just takes a couple of weeks to do the research and then get the plan together, and my team will book you back in to have that presented. Okay. And then if you decide in the meantime that you do wanna talk about insurance or look at anything additional, just let me know.","start_word":5340,"end_word":5778,"sentiment":"neutral","sentiment_score":0.11685920997198188},{"text":"I'm more than happy to kinda come back and have that conversation and add anything additional into the advice for you.","start_word":5779,"end_word":5799,"sentiment":"positive","sentiment_score":0.44772541522979736},{"text":"Okay.","start_word":5800,"end_word":5800,"sentiment":"neutral","sentiment_score":0.30901098251342773},{"text":"Easy. All good.","start_word":5801,"end_word":5803,"sentiment":"positive","sentiment_score":0.47103309631347656},{"text":"Is there any other questions or anything else that you wanted me to sort of touch on or anything I might have missed? Or No. I don't think so. No. no. That's okay. I'm just sort of having a look back at your last sort of goals there as well. So it was more just about making sure in retirement, you could have the mortgage paid off, looking at salary sacrificing, which we're doing now for you, and then hopefully retiring on about a thousand dollars per week. That Yep. still sounds fairly accurate for what Yep. you're hoping for. Yep. Yep.","start_word":5804,"end_word":5905,"sentiment":"neutral","sentiment_score":0.06050318479537964},{"text":"That Beautiful. sounds good.","start_word":5906,"end_word":5909,"sentiment":"positive","sentiment_score":0.573641836643219},{"text":"I've got down here five year goals.","start_word":5910,"end_word":5916,"sentiment":"neutral","sentiment_score":0.3010999858379364},{"text":"We did have this covering the mortgage as much as possible focusing on paying that down prior to you retiring and then again salary sacrifice with a potential to look at in the next five years, and we're happy to do that now for you, which is great.","start_word":5917,"end_word":5964,"sentiment":"positive","sentiment_score":0.4171781837940216},{"text":"Yep. And then under the insurance side of things, when I have a look, as mentioned here, you're comfortable being self insured and understand the risks, not having retail cover, and focusing on paying down debt and building up wealth. So that was kind of the insurance goal that we had back when. Yep. Yeah. That's okay. And I'll get the beneficiaries sorted for you as well. Does that sound okay if I missed anything? Or Yep. No. I think you covered it all.","start_word":5965,"end_word":6048,"sentiment":"neutral","sentiment_score":0.18055773632866995},{"text":"oh, good. Fantastic. Well, I'll go back and do the research there for you.","start_word":6049,"end_word":6062,"sentiment":"positive","sentiment_score":0.45384129881858826},{"text":"If you find there's anything that you need or something that you wanted to touch base on, let me know. And, yeah, if Yep. you could just double check and find out about the Macquarie insurances, I will just let one of my admin team to touch base over the next few weeks to see if you found anything Yep. or if you do have anything that we probably need to just be aware of for you. Okay? Okay.","start_word":6063,"end_word":6141,"sentiment":"neutral","sentiment_score":0.11990531533956528},{"text":"Thank you very much. That's okay. Thank you so much for your time, John. I hope you enjoy the rest of your day. Thank you.","start_word":6142,"end_word":6166,"sentiment":"positive","sentiment_score":0.5900099873542786},{"text":"You got any good plans, or just gonna rest until it's time to go get the kids? Yeah. Yeah. It's pretty much just, yeah, waiting in for children today.","start_word":6167,"end_word":6195,"sentiment":"neutral","sentiment_score":0.1969405710697174},{"text":"Beautiful.","start_word":6196,"end_word":6196,"sentiment":"positive","sentiment_score":0.34767091274261475},{"text":"Yep. Beautiful. Oh, oh, good. Well, let me know if that email doesn't come through. Oh, so sorry. I also forgot. You'll also see the ongoing service agreement in that for you as well. So our ongoing service fee, just to make sure I'm clarifying, is 1.65% per annum, and our ongoing service fee is deducting a smaller monthly increments out of your super. That way, Yep. it does fluctuate with the market. It means that when our when your super is performing better and increasing, then our fee does increase with it as well. However, when the market takes a bit of a dip, it means that our fee takes a bit of a dip there with it as well. So did you have any questions about the ongoing service fee or any of the other documents that might be attached there? Yep. No. No. No. All good. And I'll go the on the financial services guide attachment for you with a photo of me and a bit of information on myself as well as a licensed adviser. So you're welcome to have a look at any of that. Let me know if there's any additional questions that you do have.","start_word":6197,"end_word":6398,"sentiment":"neutral","sentiment_score":0.05144937340133261},{"text":"And, yeah, if you're happy with everything and want to stay on board, we just get you to when that eventually gets to you.","start_word":6399,"end_word":6422,"sentiment":"positive","sentiment_score":0.4264860451221466},{"text":"This time, I'll return those back for me. And if they Yeah. don't come through by the end of the day, just let me know, and we'll happily make sure we send it out another way for you. Okay?","start_word":6423,"end_word":6461,"sentiment":"neutral","sentiment_score":0.11097577959299088},{"text":"No problems. Easy. Thank you so much for your time. I really appreciate you taking the time to speak to me, and I hope you enjoy the rest of your day.","start_word":6462,"end_word":6492,"sentiment":"positive","sentiment_score":0.7739981412887573},{"text":"Uh-huh.","start_word":6493,"end_word":6493,"sentiment":"neutral","sentiment_score":0.2448870688676834},{"text":"Thank Thanks, you.","start_word":6494,"end_word":6496,"sentiment":"positive","sentiment_score":0.7108168005943298},{"text":"Donald. Talk to you soon. Uh-huh.","start_word":6497,"end_word":6502,"sentiment":"neutral","sentiment_score":0.24404901266098025},{"text":"Thank you. Bye. Thanks. See you later.","start_word":6503,"end_word":6509,"sentiment":"positive","sentiment_score":0.5204319357872009}],"average":{"sentiment":"neutral","sentiment_score":0.09254153256766058}}}}