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Do you still have a bit of time to go over the under review with me now? Yes. Okay. Perfect. Now before I kind of jump into things, I do like to start by asking if there is anything specific you're hoping to get out of the review today or any particular questions you might have or just a bit of an update and kind of the Mhmm. Yeah. Mhmm. Yeah. The last twelve months. Yeah. Yep. Yep. Yep. Perfect. We can definitely go through all of that today. Now what I will go through quickly with you first before I kind of jump in through your super and your insurances is just to go through just a quick after the fact find just to see if there is anything major that has changed in your life, if we also need to take that into consideration if we need to make any changes. Kind of bear with me as I go through this information here, James. Now when it comes to your personal information, I have you down here single with the one financial dependent. Is that correct? With one financial dependent with with a daughter? Yep. Yep. Yep. Perfect. And next up, 10. So in the event something ever were to happen to you, I have your your mom, Leanne, nominated. That's still the case as well? Yep. Perfect. Occupation wise, are you still working as a security guard, or has that changed? Perfect. And is that still with Millennium Security or with a different contractor? Okay. Perfect. And when did you start there? Hi. Mhmm. Yeah. That'd be great. Yeah. Sure. Okay. Beautiful. And enjoying it so far? Yeah. Yeah. Yeah. I can imagine. And still unarmed, or do you have to wear a weapon still armed off? Okay. Yeah. Perfect. And working part time or full time? Beautiful. Now income wise, that may have changed. Do you know roughly what your income is? Oh, perfect. $98.05 100. And they just pay you that standard 12% contribution into super? Like, there's no EBA fortnightly. Yep. No. That's all good. And you get paid fortnightly as well? Yep. Right. And you are not making additional contributions to Super. Otherwise, it's just that from your employer? Yep. Yep. Perfect. And how much are you thinking? Yeah. And that will be per fortnight? Yeah. Perfect. Now I can have a kind of rough figure. So if it is something obviously, it's a great way to boost your super in a very tax effective way. And, obviously, because you still have plenty of time until retirement, it will obviously compound and grow for you, which is great. The the biggest thing to be mindful of is obviously your your take home pay, making sure that obviously you have enough to cover bills and expenses. So if it's in there. Now do you have private health care, James? Yep. Okay. Beautiful. Let me see. So if your income is about 98,500, after tax, that's about 70 6,460. Now if we salary sacrifice a $100 a fortnight, that reduces your yearly income to about 74,692. So that is a difference, let's see here, of about 1,768. Would that be like, that will be okay cash flow wise for you? Yeah. Yeah. Sweet. And what it will do as well is, obviously, because contributions going into superannuation is taxed at 15%, which is obviously kind of where the tax saving comes in. Because on your income at the moment, you are on that 30% tax bracket. That's obviously the medical levy. So you will save a bit of tax, which is great. So income tax saving will be around 832 for you if you do a $100 a fortnight. But then, obviously, contributions are taxed in super. So, basically, net savings. So aside from, obviously, all the benefits with compounding to superannuation and growing it, it will save you a net tax of about $442, which is pretty good. Yep. Now one thing to obviously be mindful of is that when you do put the money in, it will be locked in until you meet a condition of release. So for example, retiring stopped working at 60. So, obviously, be mindful that it's not money that you need access to anytime soon. Yeah. Perfect. And does that all all sound good? That's something that you would like to look at doing with your employer? Yes. Yeah. So there is basically two ways. You can either go directly to your employer and tell them that you want to do it, or I can get the team to draft a letter to say that you would like to start doing a $100 per fortnight that you forward on to the employer. It's up to you. What would you prefer? Yeah. Of course. Yeah. So what we can do is we can just draft a letter, and then all you all you do is just pull it out on through HR or your employer, and then they would kind of set it up, and we can keep a little lookout on your hub 24 for your superannuation just to make sure that's going in. I can definitely get the team to do that. Now with our sacrifice as well, it's something that you can always adjust. So if your situation change and you go, no. I have to stop for a bit, whatever it might be, it's not like you're locked in. So you can tell your employer whenever you want to if you need to stop it. So you can just tell them directly if if something happens and you were like, no. I actually really need that extra money at the moment. You can just tell them. You can put more in as well. The only thing I would say, if you do wanna put more in, even just give me a call because I can just kind of run through the numbers because the one thing I do wanna make sure that you don't exceed is the the cap base available. So with the new financial year, it's up to 32,000 500, and that also includes what your employer puts in. So your employer puts in if your income is about 98,500, they put in about 11,820, and you would do about $2.06. So you still have plenty of space. So even if you wanted to, you know, later put in more, there is space. Exactly. And that's right. So the the net tax saving is up per year about $442, which is how it is very effective. Yeah. So, yeah, it's a great way to boost super, save on tax, compound for retirement. Downside is it is locked in until you meet that condition of release. So that's kind of the only thing to be mindful of. Yep. Yeah. Perfect. Well, I will get the team to draft that letter for you and send it through. If you have any questions later or anything, just just let me know. It's pretty straightforward. Yeah. And I think we have spoken about this before. I think we spoke last time your review as well, and we were kind of tossing out. But I think you had a little bit more potential expenses and stuff going on at the time because, you know, yeah, it's something you've been willing to do. So so that's great, especially with the increase in income and not being the contact anymore, which is good. Yeah. Beautiful. Now, otherwise, when it comes to assets and liabilities, I have here that you have a motor vehicle ride at about 65,000. Is that still the case? That you have a motor vehicle, like a car, valued at about 65,000? You still have that one? Yep. And you had about 55 owing on it. Does that sound about right? Roughly? Yeah. Perfect. Now do you have any other assets, James? Any other savings in the banks, motorbikes, boats? No. Perfect. And any other, like, liabilities, personal loans, credit cards, ZipPay? Nope. Not perfect. And when it comes to your health and lifestyle, are you still a nonsmoker? Yep. And have you had any changes to your health or any health issues or injuries? Nope. And medication, is that just for the diabetes? Nothing else? Just yep. Perfect. Yep. No. Perfect. And when it comes to estate planning, do you have a will or power of attorney in place? Nope. That's all good. And when it comes to your super and your insurances, I can see here that we don't currently have a a nomination on file for you. So that is if something ever were to happen to you, someone that you would like to nominate for it. Do you have someone in mind, or did you receive those letters in the post by any chance? No? No. That's okay. What I would suggest is obviously have a have a think about it of who you want just to make sure it goes through the person that you would like it to go to. Now they make it pretty strict on who you can actually nominate directly through Super. So it can go directly through a spouse. It can go directly to a child or if there is someone who you have a financial and interdependency relationship with. Like if you live with someone who's relying on you financially. Otherwise, what a lot of people do, obviously, if if you don't have any of those or you wanted to give it. So if, for example, you wanna give it through your mom or brother or sister or cousin or whoever, you can you can still do it, but it would have to go through a will, essentially. Yep. Yep. Now just so you have those forms, because it is important to have a look at, obviously, when you have a moment. So there's not someone else coming and trying to make a claim for anything if something ever were to happen to you. Do you have access to a printer, or do you prefer us to repost those forms so that you do have it for when you have decided what you would like to do? No. That's okay. No. That's okay, James. I I said, do you have access to a printer, or would you like us to repost those forms so that you have it handy if something were to happen? Yes. Perfect. And you're still at Baringa? Yep. Okay. Perfect. Now I'll get the team to repost those. If you do have any questions, obviously, when you complete them, just give me a call. Okay? Yep. Yep. Otherwise, when it comes to, I guess, goals for staff that are working towards or that you are wanting to achieve during the annual review review. Yeah? No. Yeah. Yeah. No. Perfect. And that's still good goals. Trying to, you know, focus on that, which, obviously, the salary sacrifice will help, which then kind of ties us into your your superannuation. So what I want to quickly go through with you next, James, is just a bit of a risk profile questionnaire. You may remember from last time, it is pretty straightforward. Just a couple of multiple choice questions, and that is just to see if your risk tolerance has changed. It doesn't make sense. Just let me know. Okay? Yep. Perfect. Now have you ever bought direct shares yourself on the stock market? No. Perfect. And when it comes through how much risk you are willing to take for your superannuation. Now would you say that you are willing to take on very high risk just high risk, moderate, or a small amount of risk for your superannuation? Moderate? Yep. And when it comes to fluctuations in the market as well. So if, for example, you placed an investment, and after six months, you found out that your portfolio has decreased in value by 20% due to general trends in the market. So not like one particular investment that's going on. It's like the market as off. Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you kind of be a bit neutral? Yeah. Neutral? Okay. Perfect. Now, otherwise, when it comes to fluctuations, so superannuation or any investments, if they temporarily fell in value, would you say that you would feel, you know, positive about potential investment opportunities in the future because of it? Or, again, kind of a bit neutral, not making further investment, concerned, or very anxious. Neutral. Yeah. Perfect. And last thing is when it comes to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Possibility. Yep. Perfect. Now, James, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in, which is good. Do you remember what it means to be a growth investor at all? Vaguely? Yeah. So, essentially, just a quick recap, it it means that you are looking at getting as much growth as you can out of your super. Also, that you understand that there in the short term, there will be a little bit of ups and downs and market fluctuations because your focus is to grow that super as much as possible. And when it comes to how it's invested, it's about 80% in those growth assets, which is like a combination of Australian shares, international shares, shares, and properties as well. And then you do have about 20% in defensive, like your cash, your gold, your fixed interest limit fluctuations a little bit. And when we are looking at a time frame, we wanna make sure you have at least six years until retirement ideally for those fluctuations to come back around, which you certainly do. So are you still comfortable with that level of risk gain and the the risk profile? Yep. Perfect. Now do you have access to your emails, or are you kind of on the go a little bit right now? Okay. Beautiful. Because what I have done is I have just sent you an email with some documents to go through quickly with you if you are able to access that for me. Yep. Sure. Just let me know if that came through. Okay? Yes. So what it will yeah. So what it will do, it will actually allow you to open up and look at everything first before it prompts you to sign anything just to make sure, obviously, you are happy with everything. And then let me know what the first document is that you can see on your end. Sorry. Let me know if you can see a super and insurance summary. Yep. You can see that one okay? Okay. No. That's okay. I'll just kind of run through what the documents are as well just so that you obviously know what you are signing, that you're happy. You have access to these documents as well to go through and have a look at them whenever you want to. If you have any, you know, issues accessing them, just let me know because I can always send you a call to keep everything on file for you. Now with your superannuation as well, so you can see here your current super balance. You obviously have your super in hub 24. Last time we did your under review, your super balance was at 67,348, and it's now up at 86,018, which is pretty good given, obviously, the turbulence and everything we have had in the market in the last twelve months. Obviously, with everything going on in The US and then, obviously, with the water, everything like that, we have seen a bit of fluctuation. So obviously, been a little bit of turbulence in that market, but it's still going up for you, which is great. Yep. Now underneath that, you can then see your insurances. So with your insurances, you have life and total permanent disability insurance. You have your insurances with Clearview. Now you have $276,437 worth of life and PPD. Now you said you had a couple of questions in regards to your insurances. Okay. Just wanted to know what it was. Yep. Yep. Okay. Yep. So, yeah, you do have pretty good cover there, life and PPD. Now you also have income protection that will pay you a monthly amount of $3,925 per month if something were to happen, a thirty day waiting period, and a two year benefit period. All three is paid from within super, so you don't pay for anything out of pocket, and the total premium is 982 and 78¢. Yep. Yeah. Now if you can go to the next document for me, if you still have access, it will show you your hub twenty four portfolio report. Now this one here might be a little bit tricky on the phone sometimes to see it, but, basically, it shows you all your investments in the last twelve months and how they have performed. Now if you have a look at it here, you can see kind of like I touched on. We have had a bit of turbulence in the market in the last twelve months. But in saying that, though, despite that and despite, obviously, after fees and everything, overall, your portfolio has still gone up by 6.70%, which is pretty good given the market condition. What I would like to speak to you about, though, is potentially changing one of them. Now if you wanna look, if you can see the second column to the right where it says internal rate of return. Can you see that? Yeah. Yeah. So the first one you can see in brackets is the one I wanna look at changing is because that one is down at the moment and underperforming a little bit, which is your Benelong Australian equity. You can see all the others are positive and doing really well. Now with the Benelon, the reason we do wanna change it, like I said, is because it is underperforming a little bit at the moment, and we also wanna be proactive with your investment. So if we foresee one investment underperforming a little bit or not performing as much as we'd like and we find better alternative options, we wanna look at, obviously, changing that for you, making sure that we can focus on growing your super as much as possible. Does that make sense? Yeah. Yeah. Beautiful. So the investment committee have done a lot of research on the investments through trying to see what an alternative could be. And because we are looking at changing your Australian investments, we're trying to find something that was another kind of similar investment that was focusing on the Australian market because we do wanna make sure we keep everything very diversified for you. But we don't want, obviously, everything in The US or you know, we wanna make sure we keep things diversified. So one that they did find that was a little bit cheaper because it's not the same kind of active component is your beta shares a 200. Have you ever heard of that, James? Yeah. Well, basically, what it is is it invests in the 200 largest companies listed in Australia. So, obviously, very diversified. You will be invested in 200 different companies. You will have, obviously, like, the banks, Woolworths, BHP, and that's all the big companies. They're very diversified. Now it is a little bit cheaper because you are also, like, kind of tracking those 200 largest companies. So as a company kind of grows and gets bigger, it gets added, and then something smaller kind of falls out, which is a little bit different through the Bennelong investment where they are kind of trying to actively buy and sell different investments in order to try to outperform the market. Does that make sense? Yeah. Yeah. So, basically, overall, it's a little bit cheaper for you, but it also has performed a little bit better, but still making sure we keep your portfolio aligned with that growth portfolio and diversified for you. If you are happy with with it, I can make that change for you. If that is something that you're happy for us to go ahead and make to make sure we obviously have the best option. Yeah. Perfect. What I will do just for your reference, just so you have it, you don't have to sign it. But what I will do is in the next couple of days, I will send you something that's called a record of advice. Basically, what it is, it is just showing you the investment change that we're swapping Ben along for the the a 200. You don't need to sign it, but it's just there in a record for you so that you have it just for your record. Does that make sense? Yep. Perfect. I'm almost finished, James, but the next couple of documents you will see is a certificate of currency, which basically breaks down those insurances again in a bit more detail. So if you ever wanna go back and have a look at it, that's all there for you. You will also have another OQ services guide. You would have seen this one before. It's one of those compliance documents, but it does give you all the important information regarding us here at OQ. None of the important information has changed, but we've had a bit of an update to marketing, which is good, and a bit of an extension to the team, which is nice. So if you do ever go back and have a look at it, you will find myself there on page 10 again if you do wanna put a face to the voice. Yep. Perfect. Now the two documents that you did sign as well, just so obviously you know what those were, one was a tax phone number opt in form, which was just true to say that we are keeping a tax phone number secure and safe on file. And the other one was just your usual ongoing service agreement. That is just to say that, obviously, you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from super, so it's not increasing at all, which is good. And, again, it is not a lock in contract. So if at any point in time you are not happy, not a lock in contract. But otherwise, by by signing that, it allows us to manage all your investments and insurances and everything for you in the meantime. Yeah. Do you have any questions in regards to any of that, James, or is that pretty straightforward? Yep. Yep. Beautiful. So, basically, from here, I will send you that record of advice in the next couple of days. I will also get my colleague, Whitlam, to draft that letter for you to start the salary sacrifice of that $100 per fortnight. You just pass it on to your employer. We'll keep a lookout for those contributions, and you should see as well that kind of compounding and growing your super a bit quicker, which is great. I will also get my colleague through repost those beneficiary forms so that you do have it handy when you do kind of decide who you would like to nominate. Yeah. Perfect. But do you have any other questions for me at this point otherwise, James? No? Okay. Beautiful. If if you do think of anything, just give me a call or send me an email. Always happy to book you in for a bit of a catch up if you do ever need anything. Yep. No problem at all. It was lovely speaking with you, James, and I hope you enjoy the rest of your afternoon. Hello. Speaking. 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afternoon, James. This is Veronica. How are you? Yeah. I'm good.\n\nThanks. No. All good. Thanks for calling me back. No.\n\nAll good. Do you still have a bit of time to go over the under review with me now? Yes. Okay. Perfect.\n\nNow before I kind of jump into things, I do like to start by asking if there is anything specific you're hoping to get out of the review today or any particular questions you might have or just a bit of an update and kind of the Mhmm. Yeah. Mhmm. Yeah. The last twelve months.\n\nYeah. Yep. Yep. Yep. Perfect.\n\nWe can definitely go through all of that today. Now what I will go through quickly with you first before I kind of jump in through your super and your insurances is just to go through just a quick after the fact find just to see if there is anything major that has changed in your life, if we also need to take that into consideration if we need to make any changes. Kind of bear with me as I go through this information here, James. Now when it comes to your personal information, I have you down here single with the one financial dependent. Is that correct?\n\nWith one financial dependent with with a daughter? Yep. Yep. Yep. Perfect.\n\nAnd next up, 10. So in the event something ever were to happen to you, I have your your mom, Leanne, nominated. That's still the case as well? Yep. Perfect.\n\nOccupation wise, are you still working as a security guard, or has that changed? Perfect. And is that still with Millennium Security or with a different contractor? Okay. Perfect.\n\nAnd when did you start there? Hi. Mhmm. Yeah. That'd be great.\n\nYeah. Sure. Okay. Beautiful. And enjoying it so far?\n\nYeah. Yeah. Yeah. I can imagine. And still unarmed, or do you have to wear a weapon still armed off?\n\nOkay. Yeah. Perfect. And working part time or full time? Beautiful.\n\nNow income wise, that may have changed. Do you know roughly what your income is? Oh, perfect. $98.05 100. And they just pay you that standard 12% contribution into super?\n\nLike, there's no EBA fortnightly. Yep. No. That's all good. And you get paid fortnightly as well?\n\nYep. Right. And you are not making additional contributions to Super. Otherwise, it's just that from your employer? Yep.\n\nYep. Perfect. And how much are you thinking? Yeah. And that will be per fortnight?\n\nYeah. Perfect. Now I can have a kind of rough figure. So if it is something obviously, it's a great way to boost your super in a very tax effective way. And, obviously, because you still have plenty of time until retirement, it will obviously compound and grow for you, which is great.\n\nThe the biggest thing to be mindful of is obviously your your take home pay, making sure that obviously you have enough to cover bills and expenses. So if it's in there. Now do you have private health care, James? Yep. Okay.\n\nBeautiful. Let me see. So if your income is about 98,500, after tax, that's about 70 6,460. Now if we salary sacrifice a $100 a fortnight, that reduces your yearly income to about 74,692. So that is a difference, let's see here, of about 1,768.\n\nWould that be like, that will be okay cash flow wise for you? Yeah. Yeah. Sweet. And what it will do as well is, obviously, because contributions going into superannuation is taxed at 15%, which is obviously kind of where the tax saving comes in.\n\nBecause on your income at the moment, you are on that 30% tax bracket. That's obviously the medical levy. So you will save a bit of tax, which is great. So income tax saving will be around 832 for you if you do a $100 a fortnight. But then, obviously, contributions are taxed in super.\n\nSo, basically, net savings. So aside from, obviously, all the benefits with compounding to superannuation and growing it, it will save you a net tax of about $442, which is pretty good. Yep. Now one thing to obviously be mindful of is that when you do put the money in, it will be locked in until you meet a condition of release. So for example, retiring stopped working at 60.\n\nSo, obviously, be mindful that it's not money that you need access to anytime soon. Yeah. Perfect. And does that all all sound good? That's something that you would like to look at doing with your employer?\n\nYes. Yeah. So there is basically two ways. You can either go directly to your employer and tell them that you want to do it, or I can get the team to draft a letter to say that you would like to start doing a $100 per fortnight that you forward on to the employer. It's up to you.\n\nWhat would you prefer? Yeah. Of course. Yeah. So what we can do is we can just draft a letter, and then all you all you do is just pull it out on through HR or your employer, and then they would kind of set it up, and we can keep a little lookout on your hub 24 for your superannuation just to make sure that's going in.\n\nI can definitely get the team to do that. Now with our sacrifice as well, it's something that you can always adjust. So if your situation change and you go, no. I have to stop for a bit, whatever it might be, it's not like you're locked in. So you can tell your employer whenever you want to if you need to stop it.\n\nSo you can just tell them directly if if something happens and you were like, no. I actually really need that extra money at the moment. You can just tell them. You can put more in as well. The only thing I would say, if you do wanna put more in, even just give me a call because I can just kind of run through the numbers because the one thing I do wanna make sure that you don't exceed is the the cap base available.\n\nSo with the new financial year, it's up to 32,000 500, and that also includes what your employer puts in. So your employer puts in if your income is about 98,500, they put in about 11,820, and you would do about $2.06. So you still have plenty of space. So even if you wanted to, you know, later put in more, there is space. Exactly.\n\nAnd that's right. So the the net tax saving is up per year about $442, which is how it is very effective. Yeah. So, yeah, it's a great way to boost super, save on tax, compound for retirement. Downside is it is locked in until you meet that condition of release.\n\nSo that's kind of the only thing to be mindful of. Yep. Yeah. Perfect. Well, I will get the team to draft that letter for you and send it through.\n\nIf you have any questions later or anything, just just let me know. It's pretty straightforward. Yeah. And I think we have spoken about this before. I think we spoke last time your review as well, and we were kind of tossing out.\n\nBut I think you had a little bit more potential expenses and stuff going on at the time because, you know, yeah, it's something you've been willing to do. So so that's great, especially with the increase in income and not being the contact anymore, which is good. Yeah. Beautiful. Now, otherwise, when it comes to assets and liabilities, I have here that you have a motor vehicle ride at about 65,000.\n\nIs that still the case? That you have a motor vehicle, like a car, valued at about 65,000? You still have that one? Yep. And you had about 55 owing on it.\n\nDoes that sound about right? Roughly? Yeah. Perfect. Now do you have any other assets, James?\n\nAny other savings in the banks, motorbikes, boats? No. Perfect. And any other, like, liabilities, personal loans, credit cards, ZipPay? Nope.\n\nNot perfect. And when it comes to your health and lifestyle, are you still a nonsmoker? Yep. And have you had any changes to your health or any health issues or injuries? Nope.\n\nAnd medication, is that just for the diabetes? Nothing else? Just yep. Perfect. Yep.\n\nNo. Perfect. And when it comes to estate planning, do you have a will or power of attorney in place? Nope. That's all good.\n\nAnd when it comes to your super and your insurances, I can see here that we don't currently have a a nomination on file for you. So that is if something ever were to happen to you, someone that you would like to nominate for it. Do you have someone in mind, or did you receive those letters in the post by any chance? No? No.\n\nThat's okay. What I would suggest is obviously have a have a think about it of who you want just to make sure it goes through the person that you would like it to go to. Now they make it pretty strict on who you can actually nominate directly through Super. So it can go directly through a spouse. It can go directly to a child or if there is someone who you have a financial and interdependency relationship with.\n\nLike if you live with someone who's relying on you financially. Otherwise, what a lot of people do, obviously, if if you don't have any of those or you wanted to give it. So if, for example, you wanna give it through your mom or brother or sister or cousin or whoever, you can you can still do it, but it would have to go through a will, essentially. Yep. Yep.\n\nNow just so you have those forms, because it is important to have a look at, obviously, when you have a moment. So there's not someone else coming and trying to make a claim for anything if something ever were to happen to you. Do you have access to a printer, or do you prefer us to repost those forms so that you do have it for when you have decided what you would like to do? No. That's okay.\n\nNo. That's okay, James. I I said, do you have access to a printer, or would you like us to repost those forms so that you have it handy if something were to happen? Yes. Perfect.\n\nAnd you're still at Baringa? Yep. Okay. Perfect. Now I'll get the team to repost those.\n\nIf you do have any questions, obviously, when you complete them, just give me a call. Okay? Yep. Yep. Otherwise, when it comes to, I guess, goals for staff that are working towards or that you are wanting to achieve during the annual review review.\n\nYeah? No. Yeah. Yeah. No.\n\nPerfect. And that's still good goals. Trying to, you know, focus on that, which, obviously, the salary sacrifice will help, which then kind of ties us into your your superannuation. So what I want to quickly go through with you next, James, is just a bit of a risk profile questionnaire. You may remember from last time, it is pretty straightforward.\n\nJust a couple of multiple choice questions, and that is just to see if your risk tolerance has changed. It doesn't make sense. Just let me know. Okay? Yep.\n\nPerfect. Now have you ever bought direct shares yourself on the stock market? No. Perfect. And when it comes through how much risk you are willing to take for your superannuation.\n\nNow would you say that you are willing to take on very high risk just high risk, moderate, or a small amount of risk for your superannuation? Moderate? Yep. And when it comes to fluctuations in the market as well. So if, for example, you placed an investment, and after six months, you found out that your portfolio has decreased in value by 20% due to general trends in the market.\n\nSo not like one particular investment that's going on. It's like the market as off. Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you kind of be a bit neutral? Yeah. Neutral?\n\nOkay. Perfect. Now, otherwise, when it comes to fluctuations, so superannuation or any investments, if they temporarily fell in value, would you say that you would feel, you know, positive about potential investment opportunities in the future because of it? Or, again, kind of a bit neutral, not making further investment, concerned, or very anxious. Neutral.\n\nYeah. Perfect. And last thing is when it comes to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Possibility.\n\nYep. Perfect. Now, James, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in, which is good. Do you remember what it means to be a growth investor at all? Vaguely?\n\nYeah. So, essentially, just a quick recap, it it means that you are looking at getting as much growth as you can out of your super. Also, that you understand that there in the short term, there will be a little bit of ups and downs and market fluctuations because your focus is to grow that super as much as possible. And when it comes to how it's invested, it's about 80% in those growth assets, which is like a combination of Australian shares, international shares, shares, and properties as well. And then you do have about 20% in defensive, like your cash, your gold, your fixed interest limit fluctuations a little bit.\n\nAnd when we are looking at a time frame, we wanna make sure you have at least six years until retirement ideally for those fluctuations to come back around, which you certainly do. So are you still comfortable with that level of risk gain and the the risk profile? Yep. Perfect. Now do you have access to your emails, or are you kind of on the go a little bit right now?\n\nOkay. Beautiful. Because what I have done is I have just sent you an email with some documents to go through quickly with you if you are able to access that for me. Yep. Sure.\n\nJust let me know if that came through. Okay? Yes. So what it will yeah. So what it will do, it will actually allow you to open up and look at everything first before it prompts you to sign anything just to make sure, obviously, you are happy with everything.\n\nAnd then let me know what the first document is that you can see on your end. Sorry. Let me know if you can see a super and insurance summary. Yep. You can see that one okay?\n\nOkay. No. That's okay. I'll just kind of run through what the documents are as well just so that you obviously know what you are signing, that you're happy. You have access to these documents as well to go through and have a look at them whenever you want to.\n\nIf you have any, you know, issues accessing them, just let me know because I can always send you a call to keep everything on file for you. Now with your superannuation as well, so you can see here your current super balance. You obviously have your super in hub 24. Last time we did your under review, your super balance was at 67,348, and it's now up at 86,018, which is pretty good given, obviously, the turbulence and everything we have had in the market in the last twelve months. Obviously, with everything going on in The US and then, obviously, with the water, everything like that, we have seen a bit of fluctuation.\n\nSo obviously, been a little bit of turbulence in that market, but it's still going up for you, which is great. Yep. Now underneath that, you can then see your insurances. So with your insurances, you have life and total permanent disability insurance. You have your insurances with Clearview.\n\nNow you have $276,437 worth of life and PPD. Now you said you had a couple of questions in regards to your insurances. Okay. Just wanted to know what it was. Yep.\n\nYep. Okay. Yep. So, yeah, you do have pretty good cover there, life and PPD. Now you also have income protection that will pay you a monthly amount of $3,925 per month if something were to happen, a thirty day waiting period, and a two year benefit period.\n\nAll three is paid from within super, so you don't pay for anything out of pocket, and the total premium is 982 and 78¢. Yep. Yeah. Now if you can go to the next document for me, if you still have access, it will show you your hub twenty four portfolio report. Now this one here might be a little bit tricky on the phone sometimes to see it, but, basically, it shows you all your investments in the last twelve months and how they have performed.\n\nNow if you have a look at it here, you can see kind of like I touched on. We have had a bit of turbulence in the market in the last twelve months. But in saying that, though, despite that and despite, obviously, after fees and everything, overall, your portfolio has still gone up by 6.70%, which is pretty good given the market condition. What I would like to speak to you about, though, is potentially changing one of them. Now if you wanna look, if you can see the second column to the right where it says internal rate of return.\n\nCan you see that? Yeah. Yeah. So the first one you can see in brackets is the one I wanna look at changing is because that one is down at the moment and underperforming a little bit, which is your Benelong Australian equity. You can see all the others are positive and doing really well.\n\nNow with the Benelon, the reason we do wanna change it, like I said, is because it is underperforming a little bit at the moment, and we also wanna be proactive with your investment. So if we foresee one investment underperforming a little bit or not performing as much as we'd like and we find better alternative options, we wanna look at, obviously, changing that for you, making sure that we can focus on growing your super as much as possible. Does that make sense? Yeah. Yeah.\n\nBeautiful. So the investment committee have done a lot of research on the investments through trying to see what an alternative could be. And because we are looking at changing your Australian investments, we're trying to find something that was another kind of similar investment that was focusing on the Australian market because we do wanna make sure we keep everything very diversified for you. But we don't want, obviously, everything in The US or you know, we wanna make sure we keep things diversified. So one that they did find that was a little bit cheaper because it's not the same kind of active component is your beta shares a 200.\n\nHave you ever heard of that, James? Yeah. Well, basically, what it is is it invests in the 200 largest companies listed in Australia. So, obviously, very diversified. You will be invested in 200 different companies.\n\nYou will have, obviously, like, the banks, Woolworths, BHP, and that's all the big companies. They're very diversified. Now it is a little bit cheaper because you are also, like, kind of tracking those 200 largest companies. So as a company kind of grows and gets bigger, it gets added, and then something smaller kind of falls out, which is a little bit different through the Bennelong investment where they are kind of trying to actively buy and sell different investments in order to try to outperform the market. Does that make sense?\n\nYeah. Yeah. So, basically, overall, it's a little bit cheaper for you, but it also has performed a little bit better, but still making sure we keep your portfolio aligned with that growth portfolio and diversified for you. If you are happy with with it, I can make that change for you. If that is something that you're happy for us to go ahead and make to make sure we obviously have the best option.\n\nYeah. Perfect. What I will do just for your reference, just so you have it, you don't have to sign it. But what I will do is in the next couple of days, I will send you something that's called a record of advice. Basically, what it is, it is just showing you the investment change that we're swapping Ben along for the the a 200.\n\nYou don't need to sign it, but it's just there in a record for you so that you have it just for your record. Does that make sense? Yep. Perfect. I'm almost finished, James, but the next couple of documents you will see is a certificate of currency, which basically breaks down those insurances again in a bit more detail.\n\nSo if you ever wanna go back and have a look at it, that's all there for you. You will also have another OQ services guide. You would have seen this one before. It's one of those compliance documents, but it does give you all the important information regarding us here at OQ. None of the important information has changed, but we've had a bit of an update to marketing, which is good, and a bit of an extension to the team, which is nice.\n\nSo if you do ever go back and have a look at it, you will find myself there on page 10 again if you do wanna put a face to the voice. Yep. Perfect. Now the two documents that you did sign as well, just so obviously you know what those were, one was a tax phone number opt in form, which was just true to say that we are keeping a tax phone number secure and safe on file. And the other one was just your usual ongoing service agreement.\n\nThat is just to say that, obviously, you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from super, so it's not increasing at all, which is good. And, again, it is not a lock in contract. So if at any point in time you are not happy, not a lock in contract.\n\nBut otherwise, by by signing that, it allows us to manage all your investments and insurances and everything for you in the meantime. Yeah. Do you have any questions in regards to any of that, James, or is that pretty straightforward? Yep. Yep.\n\nBeautiful. So, basically, from here, I will send you that record of advice in the next couple of days. I will also get my colleague, Whitlam, to draft that letter for you to start the salary sacrifice of that $100 per fortnight. You just pass it on to your employer. We'll keep a lookout for those contributions, and you should see as well that kind of compounding and growing your super a bit quicker, which is great.\n\nI will also get my colleague through repost those beneficiary forms so that you do have it handy when you do kind of decide who you would like to nominate. Yeah. Perfect. But do you have any other questions for me at this point otherwise, James? No?\n\nOkay. Beautiful. If if you do think of anything, just give me a call or send me an email. Always happy to book you in for a bit of a catch up if you do ever need anything. Yep.\n\nNo problem at all. It was lovely speaking with you, James, and I hope you enjoy the rest of your afternoon. Hello. Speaking. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, James.","start":1.8399999,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.17119735479354858},{"text":"This is Veronica.","start":2.8799999,"end":3.78,"sentiment":"neutral","sentiment_score":0.17614525059858957},{"text":"How are you?","start":3.84,"end":4.58,"sentiment":"neutral","sentiment_score":0.13945675392945608},{"text":"Yeah.","start":6.3199997,"end":6.64,"sentiment":"neutral","sentiment_score":0.307231068611145},{"text":"I'm good.","start":6.64,"end":7.2,"sentiment":"positive","sentiment_score":0.44879791140556335}],"sentiment":"neutral","sentiment_score":0.22210208078225455,"num_words":12,"start":1.8399999,"end":7.2},{"sentences":[{"text":"Thanks.","start":7.2,"end":7.7,"sentiment":"positive","sentiment_score":0.5820963382720947},{"text":"No.","start":8.88,"end":9.38,"sentiment":"neutral","sentiment_score":-0.08524653315544128},{"text":"All good.","start":11.36,"end":11.92,"sentiment":"neutral","sentiment_score":0.24817287921905518},{"text":"Thanks for calling me back.","start":11.92,"end":13.38,"sentiment":"neutral","sentiment_score":0.30047065317630767},{"text":"No.","start":19.035,"end":19.435,"sentiment":"neutral","sentiment_score":-0.008271332830190659}],"sentiment":"neutral","sentiment_score":0.24872774966061115,"num_words":10,"start":7.2,"end":19.435},{"sentences":[{"text":"All good.","start":19.435,"end":19.994999,"sentiment":"neutral","sentiment_score":0.06874869018793106},{"text":"Do you still have a bit of time to go over the under review with me now?","start":19.994999,"end":23.535,"sentiment":"neutral","sentiment_score":0.023491575108731493},{"text":"Yes.","start":25.035,"end":25.535,"sentiment":"neutral","sentiment_score":0.16903355717658997},{"text":"Okay.","start":26.73,"end":27.130001,"sentiment":"neutral","sentiment_score":0.28694412112236023},{"text":"Perfect.","start":27.130001,"end":27.630001,"sentiment":"positive","sentiment_score":0.3645001351833343}],"sentiment":"neutral","sentiment_score":0.061696907759390095,"num_words":22,"start":19.435,"end":27.630001},{"sentences":[{"text":"Now before I kind of jump into things, I do like to start by asking if there is anything specific you're hoping to get out of the review today or any particular questions you might have or just a bit of an update and kind of the Mhmm.","start":28.970001,"end":45.655003,"sentiment":"neutral","sentiment_score":0.07191773472974698},{"text":"Yeah.","start":48.435,"end":48.935,"sentiment":"neutral","sentiment_score":-0.02939121425151825},{"text":"Mhmm.","start":51.155003,"end":51.655003,"sentiment":"neutral","sentiment_score":-0.030348215252161023},{"text":"Yeah.","start":54.13,"end":54.29,"sentiment":"neutral","sentiment_score":-0.024187196046113968},{"text":"The last twelve months.","start":54.29,"end":55.75,"sentiment":"neutral","sentiment_score":-0.0209131115116179}],"sentiment":"neutral","sentiment_score":0.05971767628057437,"num_words":55,"start":28.970001,"end":55.75},{"sentences":[{"text":"Yeah.","start":56.05,"end":56.55,"sentiment":"neutral","sentiment_score":0.0429174080491066},{"text":"Yep.","start":60.77,"end":61.010002,"sentiment":"neutral","sentiment_score":0.023709837347269055},{"text":"Yep.","start":61.010002,"end":61.510002,"sentiment":"neutral","sentiment_score":0.03239355981349945},{"text":"Yep.","start":61.57,"end":62.07,"sentiment":"neutral","sentiment_score":0.05063583701848984},{"text":"Perfect.","start":62.13,"end":62.63,"sentiment":"neutral","sentiment_score":0.2653420567512512}],"sentiment":"neutral","sentiment_score":0.08299973979592323,"num_words":5,"start":56.05,"end":62.63},{"sentences":[{"text":"We can definitely go through all of that today.","start":62.690002,"end":65.43,"sentiment":"neutral","sentiment_score":0.26049522227711147},{"text":"Now what I will go through quickly with you first before I kind of jump in through your super and your insurances is just to go through just a quick after the fact find just to see if there is anything major that has changed in your life, if we also need to take that into consideration if we need to make any changes.","start":66.915,"end":85.189995,"sentiment":"neutral","sentiment_score":0.012812225613743067},{"text":"Kind of bear with me as I go through this information here, James.","start":86.60999,"end":89.99,"sentiment":"neutral","sentiment_score":0.011114734153334912},{"text":"Now when it comes to your personal information, I have you down here single with the one financial dependent.","start":90.369995,"end":99.395,"sentiment":"neutral","sentiment_score":0.008221383402614217},{"text":"Is that correct?","start":99.534996,"end":100.435,"sentiment":"neutral","sentiment_score":0.007842275003592173}],"sentiment":"neutral","sentiment_score":0.032302445309512595,"num_words":108,"start":62.690002,"end":100.435},{"sentences":[{"text":"With one financial dependent with with a daughter?","start":104.415,"end":107.315,"sentiment":"neutral","sentiment_score":-0.007289594272151589},{"text":"Yep.","start":107.854996,"end":108.255,"sentiment":"neutral","sentiment_score":0.03322969749569893},{"text":"Yep.","start":108.255,"end":108.72,"sentiment":"neutral","sentiment_score":0.0408426970243454},{"text":"Yep.","start":109.36,"end":109.76,"sentiment":"neutral","sentiment_score":0.08083789795637131},{"text":"Perfect.","start":109.76,"end":110.26,"sentiment":"neutral","sentiment_score":0.14783041179180145}],"sentiment":"neutral","sentiment_score":0.020368662507583696,"num_words":12,"start":104.415,"end":110.26},{"sentences":[{"text":"And next up, 10.","start":110.4,"end":111.520004,"sentiment":"neutral","sentiment_score":0.021636353572830558},{"text":"So in the event something ever were to happen to you, I have your your mom, Leanne, nominated.","start":111.520004,"end":116.020004,"sentiment":"neutral","sentiment_score":0.061820895307593875},{"text":"That's still the case as well?","start":116.08,"end":117.62,"sentiment":"neutral","sentiment_score":0.04857187128315369},{"text":"Yep.","start":118.8,"end":119.3,"sentiment":"neutral","sentiment_score":0.07321658730506897},{"text":"Perfect.","start":119.840004,"end":120.340004,"sentiment":"neutral","sentiment_score":0.3321055471897125}],"sentiment":"neutral","sentiment_score":0.06320249640072385,"num_words":30,"start":110.4,"end":120.340004},{"sentences":[{"text":"Occupation wise, are you still working as a security guard, or has that changed?","start":121.845,"end":126.665,"sentiment":"neutral","sentiment_score":-0.0015135732745485647},{"text":"Perfect.","start":132.485,"end":132.965,"sentiment":"neutral","sentiment_score":0.1138141006231308},{"text":"And is that still with Millennium Security or with a different contractor?","start":132.965,"end":136.345,"sentiment":"neutral","sentiment_score":0.0032235628459602594},{"text":"Okay.","start":143.07,"end":143.47,"sentiment":"neutral","sentiment_score":0.0770111083984375},{"text":"Perfect.","start":143.47,"end":143.97,"sentiment":"neutral","sentiment_score":0.21645766496658325}],"sentiment":"neutral","sentiment_score":0.014647434561930853,"num_words":29,"start":121.845,"end":143.97},{"sentences":[{"text":"And when did you start there?","start":144.03,"end":145.57,"sentiment":"neutral","sentiment_score":0.04886213814218839},{"text":"Hi.","start":149.485,"end":149.985,"sentiment":"neutral","sentiment_score":0.07649753987789154},{"text":"Mhmm.","start":156.045,"end":156.125,"sentiment":"neutral","sentiment_score":0.05073823034763336},{"text":"Yeah.","start":156.125,"end":156.625,"sentiment":"neutral","sentiment_score":0.12619709968566897},{"text":"That'd be great.","start":157.645,"end":158.625,"sentiment":"positive","sentiment_score":0.3491813838481903}],"sentiment":"neutral","sentiment_score":0.1328458208590746,"num_words":12,"start":144.03,"end":158.625},{"sentences":[{"text":"Yeah.","start":161.98,"end":162.38,"sentiment":"neutral","sentiment_score":0.08435554802417755},{"text":"Sure.","start":162.38,"end":162.88,"sentiment":"neutral","sentiment_score":0.08122174441814423},{"text":"Okay.","start":184.795,"end":185.195,"sentiment":"neutral","sentiment_score":0.2052668333053589},{"text":"Beautiful.","start":185.195,"end":185.695,"sentiment":"positive","sentiment_score":0.4524622857570648},{"text":"And enjoying it so far?","start":186.89001,"end":188.35,"sentiment":"neutral","sentiment_score":0.2526694774627686}],"sentiment":"neutral","sentiment_score":0.23185042209095424,"num_words":9,"start":161.98,"end":188.35},{"sentences":[{"text":"Yeah.","start":189.85,"end":190.35,"sentiment":"neutral","sentiment_score":0.07048790901899338},{"text":"Yeah.","start":191.29001,"end":191.79001,"sentiment":"neutral","sentiment_score":0.08133551478385925},{"text":"Yeah.","start":194.89001,"end":195.21,"sentiment":"neutral","sentiment_score":0.029378468170762066},{"text":"I can imagine.","start":195.21,"end":196.11,"sentiment":"neutral","sentiment_score":0.0163194431612889},{"text":"And still unarmed, or do you have to wear a weapon still armed off?","start":196.89001,"end":205.145,"sentiment":"neutral","sentiment_score":-0.019637450575828552}],"sentiment":"neutral","sentiment_score":-0.0022382043302059174,"num_words":20,"start":189.85,"end":205.145},{"sentences":[{"text":"Okay.","start":205.145,"end":205.46501,"sentiment":"neutral","sentiment_score":0.011133614927530289},{"text":"Yeah.","start":205.46501,"end":205.945,"sentiment":"neutral","sentiment_score":0.02660835161805153},{"text":"Perfect.","start":205.945,"end":206.445,"sentiment":"neutral","sentiment_score":0.10911204665899275},{"text":"And working part time or full time?","start":206.905,"end":209.645,"sentiment":"neutral","sentiment_score":0.025249939544924667},{"text":"Beautiful.","start":212.36,"end":212.86,"sentiment":"neutral","sentiment_score":0.16648627817630768}],"sentiment":"neutral","sentiment_score":0.0445536243813959,"num_words":11,"start":205.145,"end":212.86},{"sentences":[{"text":"Now income wise, that may have changed.","start":214.68001,"end":218.36,"sentiment":"neutral","sentiment_score":-0.03247862708355699},{"text":"Do you know roughly what your income is?","start":218.36,"end":220.38,"sentiment":"neutral","sentiment_score":-0.02348924637772143},{"text":"Oh, perfect.","start":227.975,"end":228.615,"sentiment":"neutral","sentiment_score":0.041845375671982765},{"text":"$98.05 100.","start":228.615,"end":229.99501,"sentiment":"neutral","sentiment_score":0.014808046631515026},{"text":"And they just pay you that standard 12% contribution into super?","start":232.13501,"end":237.09,"sentiment":"neutral","sentiment_score":-0.014416446909308434}],"sentiment":"neutral","sentiment_score":-0.015351281066735585,"num_words":30,"start":214.68001,"end":237.09},{"sentences":[{"text":"Like, there's no EBA fortnightly.","start":237.09,"end":240.79,"sentiment":"neutral","sentiment_score":-0.055002556182444096},{"text":"Yep.","start":240.93,"end":241.43,"sentiment":"neutral","sentiment_score":0.015447068959474564},{"text":"No.","start":241.49,"end":241.73,"sentiment":"neutral","sentiment_score":-0.028320204466581345},{"text":"That's all good.","start":241.73,"end":242.37,"sentiment":"neutral","sentiment_score":0.1804275413354238},{"text":"And you get paid fortnightly as well?","start":242.37,"end":244.23,"sentiment":"neutral","sentiment_score":0.02106012137872832}],"sentiment":"neutral","sentiment_score":0.02357750336694367,"num_words":17,"start":237.09,"end":244.23},{"sentences":[{"text":"Yep.","start":245.33,"end":245.83,"sentiment":"neutral","sentiment_score":0.001502661034464836},{"text":"Right.","start":246.61,"end":247.11,"sentiment":"neutral","sentiment_score":-0.01880097948014736},{"text":"And you are not making additional contributions to Super.","start":247.97,"end":250.885,"sentiment":"neutral","sentiment_score":-0.055022511217329234},{"text":"Otherwise, it's just that from your employer?","start":250.885,"end":252.665,"sentiment":"neutral","sentiment_score":-0.12494882728372302},{"text":"Yep.","start":258.165,"end":258.665,"sentiment":"neutral","sentiment_score":0.03941047191619873}],"sentiment":"neutral","sentiment_score":-0.07093327570902674,"num_words":19,"start":245.33,"end":258.665},{"sentences":[{"text":"Yep.","start":263.3,"end":263.8,"sentiment":"neutral","sentiment_score":0.11172949522733688},{"text":"Perfect.","start":264.42,"end":264.92,"sentiment":"positive","sentiment_score":0.5245203971862793},{"text":"And how much are you thinking?","start":265.06,"end":266.68,"sentiment":"neutral","sentiment_score":0.07170832219223182},{"text":"Yeah.","start":270.5,"end":270.74,"sentiment":"neutral","sentiment_score":0.042919792234897614},{"text":"And that will be per fortnight?","start":270.74,"end":272.04,"sentiment":"neutral","sentiment_score":0.04616699926555157}],"sentiment":"neutral","sentiment_score":0.09242810755968094,"num_words":15,"start":263.3,"end":272.04},{"sentences":[{"text":"Yeah.","start":273.62,"end":274.12,"sentiment":"neutral","sentiment_score":0.2707274854183197},{"text":"Perfect.","start":274.26,"end":274.76,"sentiment":"positive","sentiment_score":0.5544463396072388},{"text":"Now I can have a kind of rough figure.","start":275.93503,"end":277.61502,"sentiment":"positive","sentiment_score":0.370961907837126},{"text":"So if it is something obviously, it's a great way to boost your super in a very tax effective way.","start":277.61502,"end":282.99503,"sentiment":"positive","sentiment_score":0.625347125530243},{"text":"And, obviously, because you still have plenty of time until retirement, it will obviously compound and grow for you, which is great.","start":283.61502,"end":290.755,"sentiment":"positive","sentiment_score":0.5987796810540286}],"sentiment":"positive","sentiment_score":0.5630929526293053,"num_words":53,"start":273.62,"end":290.755},{"sentences":[{"text":"The the biggest thing to be mindful of is obviously your your take home pay, making sure that obviously you have enough to cover bills and expenses.","start":291.16,"end":301.34,"sentiment":"neutral","sentiment_score":0.16417332076364094},{"text":"So if it's in there.","start":302.2,"end":304.495,"sentiment":"neutral","sentiment_score":0.05783918723464012},{"text":"Now do you have private health care, James?","start":304.495,"end":307.475,"sentiment":"neutral","sentiment_score":0.02270883717574179},{"text":"Yep.","start":308.735,"end":309.235,"sentiment":"neutral","sentiment_score":0.059863410890102386},{"text":"Okay.","start":311.215,"end":311.715,"sentiment":"neutral","sentiment_score":0.16891169548034668}],"sentiment":"neutral","sentiment_score":0.12219812858494974,"num_words":42,"start":291.16,"end":311.715},{"sentences":[{"text":"Beautiful.","start":311.855,"end":312.355,"sentiment":"positive","sentiment_score":0.3608193099498749},{"text":"Let me see.","start":313.135,"end":313.775,"sentiment":"neutral","sentiment_score":0.15703499813874564},{"text":"So if your income is about 98,500, after tax, that's about 70 6,460.","start":313.775,"end":323.91,"sentiment":"neutral","sentiment_score":0.047559401736809656},{"text":"Now if we salary sacrifice a $100 a fortnight, that reduces your yearly income to about 74,692.","start":325.17,"end":343.125,"sentiment":"neutral","sentiment_score":0.03030858309391667},{"text":"So that is a difference, let's see here, of about 1,768.","start":343.665,"end":356.71,"sentiment":"neutral","sentiment_score":0.15577058832753787}],"sentiment":"neutral","sentiment_score":0.08175375358098083,"num_words":45,"start":311.855,"end":356.71},{"sentences":[{"text":"Would that be like, that will be okay cash flow wise for you?","start":357.41,"end":361.67,"sentiment":"neutral","sentiment_score":0.13541754335165024},{"text":"Yeah.","start":361.785,"end":362.285,"sentiment":"neutral","sentiment_score":0.06886453926563263},{"text":"Yeah.","start":363.465,"end":363.965,"sentiment":"neutral","sentiment_score":0.1941865086555481},{"text":"Sweet.","start":364.665,"end":365.165,"sentiment":"neutral","sentiment_score":0.23691095411777496},{"text":"And what it will do as well is, obviously, because contributions going into superannuation is taxed at 15%, which is obviously kind of where the tax saving comes in.","start":365.70502,"end":378.24002,"sentiment":"neutral","sentiment_score":0.1336515915804896}],"sentiment":"neutral","sentiment_score":0.13636191603210238,"num_words":45,"start":357.41,"end":378.24002},{"sentences":[{"text":"Because on your income at the moment, you are on that 30% tax bracket.","start":378.24002,"end":385.30002,"sentiment":"neutral","sentiment_score":0.08903698037777628},{"text":"That's obviously the medical levy.","start":385.44,"end":386.98,"sentiment":"neutral","sentiment_score":0.10257219672203063},{"text":"So you will save a bit of tax, which is great.","start":387.92,"end":390.58002,"sentiment":"positive","sentiment_score":0.42401194030588324},{"text":"So income tax saving will be around 832 for you if you do a $100 a fortnight.","start":390.72,"end":398.845,"sentiment":"neutral","sentiment_score":0.20954587179071762},{"text":"But then, obviously, contributions are taxed in super.","start":399.465,"end":402.105,"sentiment":"neutral","sentiment_score":0.07854629773646593}],"sentiment":"neutral","sentiment_score":0.1929847319017757,"num_words":55,"start":378.24002,"end":402.105},{"sentences":[{"text":"So, basically, net savings.","start":402.105,"end":403.70502,"sentiment":"neutral","sentiment_score":0.2841278314590454},{"text":"So aside from, obviously, all the benefits with compounding to superannuation and growing it, it will save you a net tax of about $442, which is pretty good.","start":403.70502,"end":414.84,"sentiment":"positive","sentiment_score":0.5941322829042163},{"text":"Yep.","start":416.42,"end":416.92,"sentiment":"neutral","sentiment_score":0.1731029748916626},{"text":"Now one thing to obviously be mindful of is that when you do put the money in, it will be locked in until you meet a condition of release.","start":417.54,"end":429.205,"sentiment":"neutral","sentiment_score":-0.003369399442754943},{"text":"So for example, retiring stopped working at 60.","start":429.425,"end":434.485,"sentiment":"neutral","sentiment_score":-0.028945681173354387}],"sentiment":"neutral","sentiment_score":0.251657716983131,"num_words":70,"start":402.105,"end":434.485},{"sentences":[{"text":"So, obviously, be mindful that it's not money that you need access to anytime soon.","start":435.05,"end":440.51,"sentiment":"neutral","sentiment_score":-0.07903153263032436},{"text":"Yeah.","start":443.45,"end":443.93,"sentiment":"neutral","sentiment_score":0.07967217266559601},{"text":"Perfect.","start":443.93,"end":444.43,"sentiment":"positive","sentiment_score":0.5078310370445251},{"text":"And does that all all sound good?","start":446.73,"end":448.57,"sentiment":"neutral","sentiment_score":0.2747315445116588},{"text":"That's something that you would like to look at doing with your employer?","start":448.57,"end":451.905,"sentiment":"neutral","sentiment_score":0.11705100536346436}],"sentiment":"neutral","sentiment_score":0.07694092166383525,"num_words":37,"start":435.05,"end":451.905},{"sentences":[{"text":"Yes.","start":453.245,"end":453.745,"sentiment":"neutral","sentiment_score":0.15385916829109192},{"text":"Yeah.","start":454.285,"end":454.525,"sentiment":"neutral","sentiment_score":0.17279833555221558},{"text":"So there is basically two ways.","start":454.525,"end":457.16498,"sentiment":"neutral","sentiment_score":0.1648205704987049},{"text":"You can either go directly to your employer and tell them that you want to do it, or I can get the team to draft a letter to say that you would like to start doing a $100 per fortnight that you forward on to the employer.","start":457.16498,"end":470.1,"sentiment":"neutral","sentiment_score":0.17026526021196486},{"text":"It's up to you.","start":470.16,"end":470.88,"sentiment":"neutral","sentiment_score":0.14046661369502544}],"sentiment":"neutral","sentiment_score":0.16745617985725403,"num_words":59,"start":453.245,"end":470.88},{"sentences":[{"text":"What would you prefer?","start":470.88,"end":471.94,"sentiment":"neutral","sentiment_score":0.09115109220147133},{"text":"Yeah.","start":472.72,"end":473.04,"sentiment":"neutral","sentiment_score":0.06914306432008743},{"text":"Of course.","start":473.04,"end":473.7,"sentiment":"neutral","sentiment_score":0.07660026848316193},{"text":"Yeah.","start":476.17502,"end":476.67502,"sentiment":"neutral","sentiment_score":0.07159505039453506},{"text":"So what we can do is we can just draft a letter, and then all you all you do is just pull it out on through HR or your employer, and then they would kind of set it up, and we can keep a little lookout on your hub 24 for your superannuation just to make sure that's going in.","start":476.73502,"end":494.72998,"sentiment":"neutral","sentiment_score":0.15803811574975649}],"sentiment":"neutral","sentiment_score":0.14912985243341503,"num_words":68,"start":470.88,"end":494.72998},{"sentences":[{"text":"I can definitely get the team to do that.","start":495.19,"end":498.65,"sentiment":"neutral","sentiment_score":0.025585564474264782},{"text":"Now with our sacrifice as well, it's something that you can always adjust.","start":498.87,"end":503.775,"sentiment":"neutral","sentiment_score":0.17386534007696006},{"text":"So if your situation change and you go, no.","start":503.85498,"end":508.275,"sentiment":"neutral","sentiment_score":0.053219868491093315},{"text":"I have to stop for a bit, whatever it might be, it's not like you're locked in.","start":508.335,"end":513.615,"sentiment":"neutral","sentiment_score":0.020383045734728083},{"text":"So you can tell your employer whenever you want to if you need to stop it.","start":513.615,"end":517.68,"sentiment":"neutral","sentiment_score":0.06930248788557947}],"sentiment":"neutral","sentiment_score":0.069138279708568,"num_words":64,"start":495.19,"end":517.68},{"sentences":[{"text":"So you can just tell them directly if if something happens and you were like, no.","start":518.72,"end":523.6,"sentiment":"neutral","sentiment_score":-0.016981912427581847},{"text":"I actually really need that extra money at the moment.","start":523.6,"end":526.1,"sentiment":"neutral","sentiment_score":-0.1941915601491928},{"text":"You can just tell them.","start":526.39996,"end":527.7,"sentiment":"neutral","sentiment_score":0.04885282590985298},{"text":"You can put more in as well.","start":528.08,"end":530.1,"sentiment":"neutral","sentiment_score":0.09383544112954821},{"text":"The only thing I would say, if you do wanna put more in, even just give me a call because I can just kind of run through the numbers because the one thing I do wanna make sure that you don't exceed is the the cap base available.","start":530.48,"end":543.115,"sentiment":"neutral","sentiment_score":-0.0014227136077048879}],"sentiment":"neutral","sentiment_score":-0.016055863209848486,"num_words":86,"start":518.72,"end":543.115},{"sentences":[{"text":"So with the new financial year, it's up to 32,000 500, and that also includes what your employer puts in.","start":543.415,"end":553.15,"sentiment":"neutral","sentiment_score":0.014926747139543294},{"text":"So your employer puts in if your income is about 98,500, they put in about 11,820, and you would do about $2.06.","start":553.53,"end":565.52496,"sentiment":"neutral","sentiment_score":0.04186187286607244},{"text":"So you still have plenty of space.","start":565.585,"end":567.185,"sentiment":"neutral","sentiment_score":0.11288283446005412},{"text":"So even if you wanted to, you know, later put in more, there is space.","start":567.185,"end":570.805,"sentiment":"neutral","sentiment_score":0.03579465349515279},{"text":"Exactly.","start":574.96,"end":575.46,"sentiment":"neutral","sentiment_score":0.11065743863582612}],"sentiment":"neutral","sentiment_score":0.04088081889427625,"num_words":65,"start":543.415,"end":575.46},{"sentences":[{"text":"And that's right.","start":575.52,"end":576.24,"sentiment":"neutral","sentiment_score":0.15064556896686554},{"text":"So the the net tax saving is up per year about $442, which is how it is very effective.","start":576.24,"end":583.3,"sentiment":"neutral","sentiment_score":0.15281727243410914},{"text":"Yeah.","start":583.52,"end":584.02,"sentiment":"neutral","sentiment_score":0.28268539905548096},{"text":"So, yeah, it's a great way to boost super, save on tax, compound for retirement.","start":584.48,"end":589.24506,"sentiment":"neutral","sentiment_score":0.2347633754213651},{"text":"Downside is it is locked in until you meet that condition of release.","start":590.025,"end":594.18506,"sentiment":"neutral","sentiment_score":-0.10393634954324135}],"sentiment":"neutral","sentiment_score":0.11389075234240177,"num_words":51,"start":575.52,"end":594.18506},{"sentences":[{"text":"So that's kind of the only thing to be mindful of.","start":594.18506,"end":596.445,"sentiment":"neutral","sentiment_score":-0.050619604997336864},{"text":"Yep.","start":597.145,"end":597.645,"sentiment":"neutral","sentiment_score":0.12032391130924223},{"text":"Yeah.","start":599.24,"end":599.56,"sentiment":"neutral","sentiment_score":0.17533081769943237},{"text":"Perfect.","start":599.56,"end":599.95996,"sentiment":"positive","sentiment_score":0.38528603315353394},{"text":"Well, I will get the team to draft that letter for you and send it through.","start":599.95996,"end":603.89996,"sentiment":"neutral","sentiment_score":0.1551592294126749}],"sentiment":"neutral","sentiment_score":0.08688909259314338,"num_words":30,"start":594.18506,"end":603.89996},{"sentences":[{"text":"If you have any questions later or anything, just just let me know.","start":604.68,"end":608.45996,"sentiment":"neutral","sentiment_score":0.044846436008811},{"text":"It's pretty straightforward.","start":609.48,"end":610.54,"sentiment":"neutral","sentiment_score":-0.0462859192242225},{"text":"Yeah.","start":610.83997,"end":611.0,"sentiment":"neutral","sentiment_score":0.0035705994814634323},{"text":"And I think we have spoken about this before.","start":611.0,"end":612.83997,"sentiment":"neutral","sentiment_score":-0.010494821187522676},{"text":"I think we spoke last time your review as well, and we were kind of tossing out.","start":612.83997,"end":616.815,"sentiment":"neutral","sentiment_score":-0.03838931429473793}],"sentiment":"neutral","sentiment_score":-0.0069617493901141855,"num_words":43,"start":604.68,"end":616.815},{"sentences":[{"text":"But I think you had a little bit more potential expenses and stuff going on at the time because, you know, yeah, it's something you've been willing to do.","start":616.815,"end":625.775,"sentiment":"neutral","sentiment_score":-0.019218821078538895},{"text":"So so that's great, especially with the increase in income and not being the contact anymore, which is good.","start":625.775,"end":633.95,"sentiment":"positive","sentiment_score":0.3996063290457976},{"text":"Yeah.","start":634.01,"end":634.51,"sentiment":"positive","sentiment_score":0.4325386881828308},{"text":"Beautiful.","start":634.89,"end":635.39,"sentiment":"positive","sentiment_score":0.5416315197944641},{"text":"Now, otherwise, when it comes to assets and liabilities, I have here that you have a motor vehicle ride at about 65,000.","start":635.69,"end":643.625,"sentiment":"neutral","sentiment_score":-0.019546502820131453}],"sentiment":"neutral","sentiment_score":0.10526835536842959,"num_words":72,"start":616.815,"end":643.625},{"sentences":[{"text":"Is that still the case?","start":643.685,"end":644.905,"sentiment":"neutral","sentiment_score":-0.0491777665913105},{"text":"That you have a motor vehicle, like a car, valued at about 65,000?","start":649.125,"end":653.305,"sentiment":"neutral","sentiment_score":-0.036682382942392275},{"text":"You still have that one?","start":653.60504,"end":654.84,"sentiment":"neutral","sentiment_score":-0.012085636798292398},{"text":"Yep.","start":655.48004,"end":655.98004,"sentiment":"neutral","sentiment_score":0.017273567616939545},{"text":"And you had about 55 owing on it.","start":657.32,"end":660.62006,"sentiment":"neutral","sentiment_score":-0.00842009310144931}],"sentiment":"neutral","sentiment_score":-0.026039849137305282,"num_words":32,"start":643.685,"end":660.62006},{"sentences":[{"text":"Does that sound about right?","start":661.0,"end":662.86005,"sentiment":"neutral","sentiment_score":-0.011354270949959755},{"text":"Roughly?","start":664.44,"end":664.92004,"sentiment":"neutral","sentiment_score":-0.030644923448562626},{"text":"Yeah.","start":664.92004,"end":665.24005,"sentiment":"neutral","sentiment_score":0.029166020452976227},{"text":"Perfect.","start":665.24005,"end":665.74005,"sentiment":"neutral","sentiment_score":0.156683087348938},{"text":"Now do you have any other assets, James?","start":665.88,"end":668.22003,"sentiment":"neutral","sentiment_score":0.03750795731320977}],"sentiment":"neutral","sentiment_score":0.024906030506826937,"num_words":16,"start":661.0,"end":668.22003},{"sentences":[{"text":"Any other savings in the banks, motorbikes, boats?","start":668.36005,"end":672.71497,"sentiment":"neutral","sentiment_score":0.01749646896496415},{"text":"No.","start":673.65497,"end":674.15497,"sentiment":"neutral","sentiment_score":-0.061473697423934937},{"text":"Perfect.","start":674.295,"end":674.795,"sentiment":"neutral","sentiment_score":0.009998546913266182},{"text":"And any other, like, liabilities, personal loans, credit cards, ZipPay?","start":675.65497,"end":680.235,"sentiment":"neutral","sentiment_score":-0.0022571082692593334},{"text":"Nope.","start":682.47003,"end":682.95,"sentiment":"neutral","sentiment_score":-0.14483754336833954}],"sentiment":"neutral","sentiment_score":-0.003757715469137544,"num_words":21,"start":668.36005,"end":682.95},{"sentences":[{"text":"Not perfect.","start":682.95,"end":683.85004,"sentiment":"neutral","sentiment_score":-0.1765316277742386},{"text":"And when it comes to your health and lifestyle, are you still a nonsmoker?","start":684.39,"end":689.85004,"sentiment":"neutral","sentiment_score":-0.00508530910259911},{"text":"Yep.","start":692.15,"end":692.65,"sentiment":"neutral","sentiment_score":0.026355113834142685},{"text":"And have you had any changes to your health or any health issues or injuries?","start":692.87,"end":698.205,"sentiment":"neutral","sentiment_score":-0.005357716356714567},{"text":"Nope.","start":698.505,"end":699.005,"sentiment":"neutral","sentiment_score":-0.06444917619228363}],"sentiment":"neutral","sentiment_score":-0.016445981536173458,"num_words":33,"start":682.95,"end":699.005},{"sentences":[{"text":"And medication, is that just for the diabetes?","start":700.905,"end":704.84503,"sentiment":"neutral","sentiment_score":-0.05064942920580506},{"text":"Nothing else?","start":704.905,"end":705.725,"sentiment":"neutral","sentiment_score":-0.028015038929879665},{"text":"Just yep.","start":706.185,"end":706.905,"sentiment":"neutral","sentiment_score":0.014961861073970795},{"text":"Perfect.","start":706.905,"end":707.405,"sentiment":"neutral","sentiment_score":0.13017207384109497},{"text":"Yep.","start":707.545,"end":708.045,"sentiment":"neutral","sentiment_score":0.017071090638637543}],"sentiment":"neutral","sentiment_score":-0.02028990177703755,"num_words":14,"start":700.905,"end":708.045},{"sentences":[{"text":"No.","start":708.425,"end":708.825,"sentiment":"neutral","sentiment_score":-0.015635896474123},{"text":"Perfect.","start":708.825,"end":709.325,"sentiment":"neutral","sentiment_score":0.04794992506504059},{"text":"And when it comes to estate planning, do you have a will or power of attorney in place?","start":711.12,"end":718.66,"sentiment":"neutral","sentiment_score":-0.005487223569717672},{"text":"Nope.","start":721.75995,"end":722.175,"sentiment":"neutral","sentiment_score":-0.15686333179473877},{"text":"That's all good.","start":722.175,"end":723.475,"sentiment":"neutral","sentiment_score":-0.025646715735395748}],"sentiment":"neutral","sentiment_score":-0.012510811444371939,"num_words":24,"start":708.425,"end":723.475},{"sentences":[{"text":"And when it comes to your super and your insurances, I can see here that we don't currently have a a nomination on file for you.","start":724.095,"end":734.755,"sentiment":"neutral","sentiment_score":-0.0038532720019037905},{"text":"So that is if something ever were to happen to you, someone that you would like to nominate for it.","start":734.97,"end":740.11,"sentiment":"neutral","sentiment_score":-0.002530054422095418},{"text":"Do you have someone in mind, or did you receive those letters in the post by any chance?","start":741.76996,"end":747.47,"sentiment":"neutral","sentiment_score":-0.03950491195751561},{"text":"No?","start":751.505,"end":752.005,"sentiment":"neutral","sentiment_score":-0.1127643957734108},{"text":"No.","start":753.825,"end":754.22504,"sentiment":"neutral","sentiment_score":-0.14527647197246552}],"sentiment":"neutral","sentiment_score":-0.016968415810190367,"num_words":66,"start":724.095,"end":754.22504},{"sentences":[{"text":"That's okay.","start":754.22504,"end":755.125,"sentiment":"neutral","sentiment_score":-0.08787296339869499},{"text":"What I would suggest is obviously have a have a think about it of who you want just to make sure it goes through the person that you would like it to go to.","start":755.265,"end":764.36,"sentiment":"neutral","sentiment_score":0.01104151364415884},{"text":"Now they make it pretty strict on who you can actually nominate directly through Super.","start":764.66003,"end":769.72003,"sentiment":"neutral","sentiment_score":0.24118251204490662},{"text":"So it can go directly through a spouse.","start":770.74,"end":775.47504,"sentiment":"neutral","sentiment_score":0.08584881760179996},{"text":"It can go directly to a child or if there is someone who you have a financial and interdependency relationship with.","start":775.47504,"end":785.4,"sentiment":"neutral","sentiment_score":0.057669341209388915}],"sentiment":"neutral","sentiment_score":0.0714406240498647,"num_words":80,"start":754.22504,"end":785.4},{"sentences":[{"text":"Like if you live with someone who's relying on you financially.","start":785.56,"end":788.54004,"sentiment":"neutral","sentiment_score":0.045701174742796204},{"text":"Otherwise, what a lot of people do, obviously, if if you don't have any of those or you wanted to give it.","start":789.64,"end":794.92004,"sentiment":"neutral","sentiment_score":0.011640258810736916},{"text":"So if, for example, you wanna give it through your mom or brother or sister or cousin or whoever, you can you can still do it, but it would have to go through a will, essentially.","start":794.92004,"end":806.355,"sentiment":"neutral","sentiment_score":0.05656121262452669},{"text":"Yep.","start":808.015,"end":808.515,"sentiment":"neutral","sentiment_score":0.159345805644989},{"text":"Yep.","start":809.855,"end":810.355,"sentiment":"neutral","sentiment_score":0.15604592859745026}],"sentiment":"neutral","sentiment_score":0.043808366263836204,"num_words":71,"start":785.56,"end":810.355},{"sentences":[{"text":"Now just so you have those forms, because it is important to have a look at, obviously, when you have a moment.","start":811.535,"end":816.735,"sentiment":"neutral","sentiment_score":0.19175876541571182},{"text":"So there's not someone else coming and trying to make a claim for anything if something ever were to happen to you.","start":816.735,"end":822.41,"sentiment":"neutral","sentiment_score":0.07955345951698044},{"text":"Do you have access to a printer, or do you prefer us to repost those forms so that you do have it for when you have decided what you would like to do?","start":822.94995,"end":832.00995,"sentiment":"neutral","sentiment_score":0.12399353809428937},{"text":"No.","start":837.665,"end":838.145,"sentiment":"neutral","sentiment_score":-0.2178051769733429},{"text":"That's okay.","start":838.145,"end":839.045,"sentiment":"neutral","sentiment_score":-0.09681454300880432}],"sentiment":"neutral","sentiment_score":0.12061526803299785,"num_words":80,"start":811.535,"end":839.045},{"sentences":[{"text":"No.","start":841.105,"end":841.34503,"sentiment":"neutral","sentiment_score":-0.04880641400814056},{"text":"That's okay, James.","start":841.34503,"end":842.485,"sentiment":"neutral","sentiment_score":0.01616681491335233},{"text":"I I said, do you have access to a printer, or would you like us to repost those forms so that you have it handy if something were to happen?","start":842.785,"end":851.5,"sentiment":"neutral","sentiment_score":0.014320334419608116},{"text":"Yes.","start":853.4,"end":853.9,"sentiment":"neutral","sentiment_score":0.16228646039962769},{"text":"Perfect.","start":854.04,"end":854.54,"sentiment":"positive","sentiment_score":0.34393030405044556}],"sentiment":"neutral","sentiment_score":0.025986689660284255,"num_words":36,"start":841.105,"end":854.54},{"sentences":[{"text":"And you're still at Baringa?","start":856.27997,"end":857.9,"sentiment":"neutral","sentiment_score":0.1295742392539978},{"text":"Yep.","start":859.615,"end":860.115,"sentiment":"neutral","sentiment_score":0.18339648842811584},{"text":"Okay.","start":860.175,"end":860.495,"sentiment":"positive","sentiment_score":0.35536402463912964},{"text":"Perfect.","start":860.495,"end":860.895,"sentiment":"positive","sentiment_score":0.4898844361305237},{"text":"Now I'll get the team to repost those.","start":860.895,"end":863.395,"sentiment":"positive","sentiment_score":0.34594229236245155}],"sentiment":"neutral","sentiment_score":0.27775340527296066,"num_words":16,"start":856.27997,"end":863.395},{"sentences":[{"text":"If you do have any questions, obviously, when you complete them, just give me a call.","start":863.615,"end":867.295,"sentiment":"neutral","sentiment_score":0.20699615916237235},{"text":"Okay?","start":867.295,"end":867.795,"sentiment":"neutral","sentiment_score":0.1133558303117752},{"text":"Yep.","start":868.735,"end":869.235,"sentiment":"neutral","sentiment_score":0.10122166574001312},{"text":"Yep.","start":870.095,"end":870.595,"sentiment":"neutral","sentiment_score":0.04381082206964493},{"text":"Otherwise, when it comes to, I guess, goals for staff that are working towards or that you are wanting to achieve during the annual review review.","start":872.51,"end":881.25,"sentiment":"neutral","sentiment_score":0.06436261348426342}],"sentiment":"neutral","sentiment_score":0.11652788478467199,"num_words":45,"start":863.615,"end":881.25},{"sentences":[{"text":"Yeah?","start":881.55,"end":882.05,"sentiment":"neutral","sentiment_score":0.029727349057793617},{"text":"No.","start":891.805,"end":892.125,"sentiment":"neutral","sentiment_score":-0.19522899389266968},{"text":"Yeah.","start":892.125,"end":892.625,"sentiment":"neutral","sentiment_score":-0.09536905586719512},{"text":"Yeah.","start":894.445,"end":894.945,"sentiment":"neutral","sentiment_score":0.0461202934384346},{"text":"No.","start":895.3,"end":895.62,"sentiment":"neutral","sentiment_score":0.04426738992333412}],"sentiment":"neutral","sentiment_score":-0.034096603468060496,"num_words":5,"start":881.55,"end":895.62},{"sentences":[{"text":"Perfect.","start":895.62,"end":896.12,"sentiment":"positive","sentiment_score":0.4628221094608307},{"text":"And that's still good goals.","start":896.34,"end":897.54004,"sentiment":"positive","sentiment_score":0.4684335827827454},{"text":"Trying to, you know, focus on that, which, obviously, the salary sacrifice will help, which then kind of ties us into your your superannuation.","start":897.54004,"end":906.28,"sentiment":"neutral","sentiment_score":0.17876969743520021},{"text":"So what I want to quickly go through with you next, James, is just a bit of a risk profile questionnaire.","start":906.82,"end":912.615,"sentiment":"neutral","sentiment_score":0.11778088055905842},{"text":"You may remember from last time, it is pretty straightforward.","start":913.155,"end":915.97504,"sentiment":"neutral","sentiment_score":0.10676412507891656}],"sentiment":"neutral","sentiment_score":0.17436889351391402,"num_words":61,"start":895.62,"end":915.97504},{"sentences":[{"text":"Just a couple of multiple choice questions, and that is just to see if your risk tolerance has changed.","start":916.755,"end":922.135,"sentiment":"neutral","sentiment_score":0.05265022314300662},{"text":"It doesn't make sense.","start":923.67,"end":924.70996,"sentiment":"neutral","sentiment_score":-0.23011399805545807},{"text":"Just let me know.","start":924.70996,"end":925.58997,"sentiment":"neutral","sentiment_score":-0.11454856023192406},{"text":"Okay?","start":925.58997,"end":926.08997,"sentiment":"neutral","sentiment_score":-0.010278915986418724},{"text":"Yep.","start":927.67,"end":928.17,"sentiment":"neutral","sentiment_score":0.11215996742248537}],"sentiment":"neutral","sentiment_score":-0.009531549724011585,"num_words":29,"start":916.755,"end":928.17},{"sentences":[{"text":"Perfect.","start":928.23,"end":928.73,"sentiment":"neutral","sentiment_score":0.25444960594177246},{"text":"Now have you ever bought direct shares yourself on the stock market?","start":929.43,"end":934.00995,"sentiment":"neutral","sentiment_score":0.07356513198465109},{"text":"No.","start":936.485,"end":936.985,"sentiment":"neutral","sentiment_score":-0.047502338886260986},{"text":"Perfect.","start":937.685,"end":938.185,"sentiment":"neutral","sentiment_score":0.08772408962249756},{"text":"And when it comes through how much risk you are willing to take for your superannuation.","start":938.725,"end":945.545,"sentiment":"neutral","sentiment_score":-0.020965723204426467}],"sentiment":"neutral","sentiment_score":0.027161334491064473,"num_words":31,"start":928.23,"end":945.545},{"sentences":[{"text":"Now would you say that you are willing to take on very high risk just high risk, moderate, or a small amount of risk for your superannuation?","start":946.485,"end":959.24,"sentiment":"neutral","sentiment_score":-0.060150673543965374},{"text":"Moderate?","start":961.695,"end":962.195,"sentiment":"neutral","sentiment_score":-0.014228045009076595},{"text":"Yep.","start":962.41504,"end":962.91504,"sentiment":"neutral","sentiment_score":0.00420280359685421},{"text":"And when it comes to fluctuations in the market as well.","start":964.175,"end":967.53503,"sentiment":"neutral","sentiment_score":-0.03785373609174381},{"text":"So if, for example, you placed an investment, and after six months, you found out that your portfolio has decreased in value by 20% due to general trends in the market.","start":967.53503,"end":981.73,"sentiment":"neutral","sentiment_score":-0.09284359336860719}],"sentiment":"neutral","sentiment_score":-0.06941740730331397,"num_words":71,"start":946.485,"end":981.73},{"sentences":[{"text":"So not like one particular investment that's going on.","start":981.73,"end":984.37,"sentiment":"neutral","sentiment_score":-0.06323193220628633},{"text":"It's like the market as off.","start":984.37,"end":986.38995,"sentiment":"neutral","sentiment_score":-0.03977140039205551},{"text":"Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you kind of be a bit neutral?","start":987.615,"end":999.875,"sentiment":"neutral","sentiment_score":-0.011020146212295481},{"text":"Yeah.","start":1003.28,"end":1003.78,"sentiment":"neutral","sentiment_score":0.0038657085970044136},{"text":"Neutral?","start":1004.08,"end":1004.58,"sentiment":"neutral","sentiment_score":0.006191456224769354}],"sentiment":"neutral","sentiment_score":-0.0221168033355339,"num_words":55,"start":981.73,"end":1004.58},{"sentences":[{"text":"Okay.","start":1004.72003,"end":1005.22003,"sentiment":"neutral","sentiment_score":0.06322240829467773},{"text":"Perfect.","start":1005.28,"end":1005.78,"sentiment":"neutral","sentiment_score":0.07864928990602493},{"text":"Now, otherwise, when it comes to fluctuations, so superannuation or any investments, if they temporarily fell in value, would you say that you would feel, you know, positive about potential investment opportunities in the future because of it?","start":1008.16003,"end":1024.355,"sentiment":"neutral","sentiment_score":0.20587707840298353},{"text":"Or, again, kind of a bit neutral, not making further investment, concerned, or very anxious.","start":1024.575,"end":1030.9,"sentiment":"neutral","sentiment_score":-0.1093963938454787},{"text":"Neutral.","start":1032.56,"end":1033.06,"sentiment":"neutral","sentiment_score":0.019568350166082386}],"sentiment":"neutral","sentiment_score":0.11328255571424961,"num_words":56,"start":1004.72003,"end":1033.06},{"sentences":[{"text":"Yeah.","start":1033.4401,"end":1033.92,"sentiment":"neutral","sentiment_score":0.13005444407463074},{"text":"Perfect.","start":1033.92,"end":1034.42,"sentiment":"positive","sentiment_score":0.43798038363456726},{"text":"And last thing is when it comes to borrowing money.","start":1035.12,"end":1037.78,"sentiment":"neutral","sentiment_score":0.0679840300232172},{"text":"So would you ever consider taking out a loan to invest in stocks or funds?","start":1038.32,"end":1043.06,"sentiment":"neutral","sentiment_score":0.06056344235936801},{"text":"Possibility.","start":1047.385,"end":1047.885,"sentiment":"neutral","sentiment_score":0.1353137344121933}],"sentiment":"neutral","sentiment_score":0.08184430349086012,"num_words":28,"start":1033.4401,"end":1047.885},{"sentences":[{"text":"Yep.","start":1048.185,"end":1048.665,"sentiment":"neutral","sentiment_score":0.2682732939720154},{"text":"Perfect.","start":1048.665,"end":1049.165,"sentiment":"positive","sentiment_score":0.44642719626426697},{"text":"Now, James, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in, which is good.","start":1050.345,"end":1059.5,"sentiment":"neutral","sentiment_score":0.24827811121940613},{"text":"Do you remember what it means to be a growth investor at all?","start":1061.0,"end":1064.7001,"sentiment":"neutral","sentiment_score":0.07137563566748913},{"text":"Vaguely?","start":1067.895,"end":1068.395,"sentiment":"neutral","sentiment_score":0.024161193519830704}],"sentiment":"neutral","sentiment_score":0.195875728672201,"num_words":44,"start":1048.185,"end":1068.395},{"sentences":[{"text":"Yeah.","start":1068.615,"end":1069.115,"sentiment":"neutral","sentiment_score":0.09710925817489624},{"text":"So, essentially, just a quick recap, it it means that you are looking at getting as much growth as you can out of your super.","start":1069.175,"end":1076.155,"sentiment":"neutral","sentiment_score":0.14988975554704667},{"text":"Also, that you understand that there in the short term, there will be a little bit of ups and downs and market fluctuations because your focus is to grow that super as much as possible.","start":1077.895,"end":1086.59,"sentiment":"neutral","sentiment_score":0.036735334034476964},{"text":"And when it comes to how it's invested, it's about 80% in those growth assets, which is like a combination of Australian shares, international shares, shares, and properties as well.","start":1087.53,"end":1099.135,"sentiment":"neutral","sentiment_score":0.10110200208922228},{"text":"And then you do have about 20% in defensive, like your cash, your gold, your fixed interest limit fluctuations a little bit.","start":1099.4349,"end":1107.615,"sentiment":"neutral","sentiment_score":0.11064398204061118}],"sentiment":"neutral","sentiment_score":0.09378157084626434,"num_words":113,"start":1068.615,"end":1107.615},{"sentences":[{"text":"And when we are looking at a time frame, we wanna make sure you have at least six years until retirement ideally for those fluctuations to come back around, which you certainly do.","start":1108.075,"end":1117.68,"sentiment":"neutral","sentiment_score":0.07862564131165996},{"text":"So are you still comfortable with that level of risk gain and the the risk profile?","start":1118.06,"end":1124.08,"sentiment":"neutral","sentiment_score":0.024520705686882138},{"text":"Yep.","start":1124.14,"end":1124.62,"sentiment":"neutral","sentiment_score":0.1047987937927246},{"text":"Perfect.","start":1124.62,"end":1125.12,"sentiment":"neutral","sentiment_score":0.19985705614089969},{"text":"Now do you have access to your emails, or are you kind of on the go a little bit right now?","start":1127.4651,"end":1132.2051,"sentiment":"neutral","sentiment_score":0.03816745332663968}],"sentiment":"neutral","sentiment_score":0.05684930311205486,"num_words":72,"start":1108.075,"end":1132.2051},{"sentences":[{"text":"Okay.","start":1135.8651,"end":1136.3451,"sentiment":"neutral","sentiment_score":0.19245004653930664},{"text":"Beautiful.","start":1136.3451,"end":1136.8451,"sentiment":"neutral","sentiment_score":0.07998373359441757},{"text":"Because what I have done is I have just sent you an email with some documents to go through quickly with you if you are able to access that for me.","start":1137.145,"end":1145.1799,"sentiment":"neutral","sentiment_score":0.1635247086805682},{"text":"Yep.","start":1149.3999,"end":1149.7999,"sentiment":"neutral","sentiment_score":0.20230267941951752},{"text":"Sure.","start":1149.7999,"end":1150.2,"sentiment":"neutral","sentiment_score":0.2601476311683655}],"sentiment":"neutral","sentiment_score":0.16583285885197777,"num_words":35,"start":1135.8651,"end":1150.2},{"sentences":[{"text":"Just let me know if that came through.","start":1150.2,"end":1151.6399,"sentiment":"neutral","sentiment_score":0.19788400456309319},{"text":"Okay?","start":1151.6399,"end":1152.1399,"sentiment":"neutral","sentiment_score":0.07474354654550552},{"text":"Yes.","start":1161.255,"end":1161.755,"sentiment":"neutral","sentiment_score":0.048202887177467346},{"text":"So what it will yeah.","start":1161.815,"end":1164.375,"sentiment":"neutral","sentiment_score":0.10351940616965294},{"text":"So what it will do, it will actually allow you to open up and look at everything first before it prompts you to sign anything just to make sure, obviously, you are happy with everything.","start":1164.375,"end":1174.03,"sentiment":"neutral","sentiment_score":0.2528195321559906}],"sentiment":"neutral","sentiment_score":0.22144598253071307,"num_words":50,"start":1150.2,"end":1174.03},{"sentences":[{"text":"And then let me know what the first document is that you can see on your end.","start":1177.61,"end":1181.87,"sentiment":"neutral","sentiment_score":0.13256454336292603},{"text":"Sorry.","start":1188.935,"end":1189.435,"sentiment":"neutral","sentiment_score":0.02996962144970894},{"text":"Let me know if you can see a super and insurance summary.","start":1189.495,"end":1195.915,"sentiment":"neutral","sentiment_score":0.03909019473940134},{"text":"Yep.","start":1197.22,"end":1197.5399,"sentiment":"neutral","sentiment_score":0.08412985503673553},{"text":"You can see that one okay?","start":1197.5399,"end":1198.84,"sentiment":"neutral","sentiment_score":0.05579266883432865}],"sentiment":"neutral","sentiment_score":0.08571716387932365,"num_words":37,"start":1177.61,"end":1198.84},{"sentences":[{"text":"Okay.","start":1203.86,"end":1204.34,"sentiment":"neutral","sentiment_score":0.06336385756731033},{"text":"No.","start":1204.34,"end":1204.6599,"sentiment":"neutral","sentiment_score":0.044571101665496826},{"text":"That's okay.","start":1204.6599,"end":1205.48,"sentiment":"neutral","sentiment_score":0.1180817186832428},{"text":"I'll just kind of run through what the documents are as well just so that you obviously know what you are signing, that you're happy.","start":1205.5399,"end":1211.4,"sentiment":"neutral","sentiment_score":0.20213236376643182},{"text":"You have access to these documents as well to go through and have a look at them whenever you want to.","start":1211.5249,"end":1216.505,"sentiment":"positive","sentiment_score":0.3565351544391541}],"sentiment":"neutral","sentiment_score":0.2576929146796465,"num_words":50,"start":1203.86,"end":1216.505},{"sentences":[{"text":"If you have any, you know, issues accessing them, just let me know because I can always send you a call to keep everything on file for you.","start":1216.8849,"end":1224.39,"sentiment":"neutral","sentiment_score":0.14488291633980616},{"text":"Now with your superannuation as well, so you can see here your current super balance.","start":1225.35,"end":1233.11,"sentiment":"neutral","sentiment_score":0.07635955388347308},{"text":"You obviously have your super in hub 24.","start":1233.11,"end":1235.61,"sentiment":"neutral","sentiment_score":0.11274833139032125},{"text":"Last time we did your under review, your super balance was at 67,348, and it's now up at 86,018, which is pretty good given, obviously, the turbulence and everything we have had in the market in the last twelve months.","start":1236.875,"end":1258.2,"sentiment":"neutral","sentiment_score":0.061808452289551494},{"text":"Obviously, with everything going on in The US and then, obviously, with the water, everything like that, we have seen a bit of fluctuation.","start":1258.2,"end":1265.105,"sentiment":"neutral","sentiment_score":0.02371675552179416}],"sentiment":"neutral","sentiment_score":0.07952732035647268,"num_words":115,"start":1216.8849,"end":1265.105},{"sentences":[{"text":"So obviously, been a little bit of turbulence in that market, but it's still going up for you, which is great.","start":1265.245,"end":1271.345,"sentiment":"neutral","sentiment_score":0.21861954645386764},{"text":"Yep.","start":1273.645,"end":1274.125,"sentiment":"neutral","sentiment_score":0.09206657111644743},{"text":"Now underneath that, you can then see your insurances.","start":1274.125,"end":1278.545,"sentiment":"neutral","sentiment_score":0.0476753529575136},{"text":"So with your insurances, you have life and total permanent disability insurance.","start":1280.2,"end":1285.4199,"sentiment":"neutral","sentiment_score":0.0898106520374616},{"text":"You have your insurances with Clearview.","start":1285.7999,"end":1288.0599,"sentiment":"neutral","sentiment_score":0.09179982667167981}],"sentiment":"neutral","sentiment_score":0.13756493893356955,"num_words":49,"start":1265.245,"end":1288.0599},{"sentences":[{"text":"Now you have $276,437 worth of life and PPD.","start":1288.9199,"end":1299.315,"sentiment":"neutral","sentiment_score":0.08241503851281272},{"text":"Now you said you had a couple of questions in regards to your insurances.","start":1302.895,"end":1306.995,"sentiment":"neutral","sentiment_score":-0.01490726335240262},{"text":"Okay.","start":1310.8099,"end":1311.21,"sentiment":"neutral","sentiment_score":-0.2178640067577362},{"text":"Just wanted to know what it was.","start":1311.21,"end":1312.91,"sentiment":"neutral","sentiment_score":-0.10354508778878621},{"text":"Yep.","start":1314.25,"end":1314.73,"sentiment":"neutral","sentiment_score":0.03263439983129501}],"sentiment":"neutral","sentiment_score":-0.011781611305195838,"num_words":32,"start":1288.9199,"end":1314.73},{"sentences":[{"text":"Yep.","start":1314.73,"end":1315.23,"sentiment":"neutral","sentiment_score":0.03091367334127426},{"text":"Okay.","start":1315.37,"end":1315.87,"sentiment":"neutral","sentiment_score":0.1447497010231018},{"text":"Yep.","start":1315.9299,"end":1316.4299,"sentiment":"neutral","sentiment_score":0.19972674548625943},{"text":"So, yeah, you do have pretty good cover there, life and PPD.","start":1316.57,"end":1320.35,"sentiment":"positive","sentiment_score":0.46788675089677173},{"text":"Now you also have income protection that will pay you a monthly amount of $3,925 per month if something were to happen, a thirty day waiting period, and a two year benefit period.","start":1321.245,"end":1337.24,"sentiment":"neutral","sentiment_score":0.22422966767441144}],"sentiment":"neutral","sentiment_score":0.27895021174723905,"num_words":48,"start":1314.73,"end":1337.24},{"sentences":[{"text":"All three is paid from within super, so you don't pay for anything out of pocket, and the total premium is 982 and 78¢.","start":1338.9,"end":1348.92,"sentiment":"neutral","sentiment_score":0.18496999371310938},{"text":"Yep.","start":1350.385,"end":1350.885,"sentiment":"neutral","sentiment_score":0.186248779296875},{"text":"Yeah.","start":1352.465,"end":1352.965,"sentiment":"neutral","sentiment_score":0.15081369876861572},{"text":"Now if you can go to the next document for me, if you still have access, it will show you your hub twenty four portfolio report.","start":1353.265,"end":1364.485,"sentiment":"neutral","sentiment_score":0.10312042084450905},{"text":"Now this one here might be a little bit tricky on the phone sometimes to see it, but, basically, it shows you all your investments in the last twelve months and how they have performed.","start":1366.25,"end":1377.87,"sentiment":"neutral","sentiment_score":0.07352957411536148}],"sentiment":"neutral","sentiment_score":0.11448881824955691,"num_words":87,"start":1338.9,"end":1377.87},{"sentences":[{"text":"Now if you have a look at it here, you can see kind of like I touched on.","start":1379.205,"end":1384.725,"sentiment":"neutral","sentiment_score":0.023068049922585487},{"text":"We have had a bit of turbulence in the market in the last twelve months.","start":1384.725,"end":1388.105,"sentiment":"neutral","sentiment_score":-0.187459397315979},{"text":"But in saying that, though, despite that and despite, obviously, after fees and everything, overall, your portfolio has still gone up by 6.70%, which is pretty good given the market condition.","start":1388.885,"end":1403.33,"sentiment":"neutral","sentiment_score":0.2406498569874994},{"text":"What I would like to speak to you about, though, is potentially changing one of them.","start":1404.2699,"end":1409.49,"sentiment":"neutral","sentiment_score":-0.07377310586161911},{"text":"Now if you wanna look, if you can see the second column to the right where it says internal rate of return.","start":1409.985,"end":1418.005,"sentiment":"neutral","sentiment_score":0.019103911027989605}],"sentiment":"neutral","sentiment_score":0.042190155434403936,"num_words":102,"start":1379.205,"end":1418.005},{"sentences":[{"text":"Can you see that?","start":1418.065,"end":1419.125,"sentiment":"neutral","sentiment_score":0.034993818029761314},{"text":"Yeah.","start":1419.985,"end":1420.485,"sentiment":"neutral","sentiment_score":0.019439900293946263},{"text":"Yeah.","start":1420.625,"end":1421.125,"sentiment":"neutral","sentiment_score":0.02587341144680977},{"text":"So the first one you can see in brackets is the one I wanna look at changing is because that one is down at the moment and underperforming a little bit, which is your Benelong Australian equity.","start":1421.345,"end":1432.7999,"sentiment":"neutral","sentiment_score":-0.04264997303284503},{"text":"You can see all the others are positive and doing really well.","start":1432.7999,"end":1436.5,"sentiment":"positive","sentiment_score":0.6549460341533025}],"sentiment":"neutral","sentiment_score":0.11757439984516664,"num_words":55,"start":1418.065,"end":1436.5},{"sentences":[{"text":"Now with the Benelon, the reason we do wanna change it, like I said, is because it is underperforming a little bit at the moment, and we also wanna be proactive with your investment.","start":1438.335,"end":1447.635,"sentiment":"neutral","sentiment_score":-0.022542968194637282},{"text":"So if we foresee one investment underperforming a little bit or not performing as much as we'd like and we find better alternative options, we wanna look at, obviously, changing that for you, making sure that we can focus on growing your super as much as possible.","start":1448.095,"end":1462.68,"sentiment":"neutral","sentiment_score":0.04180141895058307},{"text":"Does that make sense?","start":1462.98,"end":1464.12,"sentiment":"neutral","sentiment_score":0.05175153538584709},{"text":"Yeah.","start":1465.4751,"end":1465.635,"sentiment":"neutral","sentiment_score":0.23086121678352356},{"text":"Yeah.","start":1465.635,"end":1466.035,"sentiment":"positive","sentiment_score":0.36204373836517334}],"sentiment":"neutral","sentiment_score":0.02296686056036577,"num_words":87,"start":1438.335,"end":1466.035},{"sentences":[{"text":"Beautiful.","start":1466.035,"end":1466.535,"sentiment":"positive","sentiment_score":0.598139762878418},{"text":"So the investment committee have done a lot of research on the investments through trying to see what an alternative could be.","start":1466.915,"end":1474.775,"sentiment":"neutral","sentiment_score":0.21566009995612231},{"text":"And because we are looking at changing your Australian investments, we're trying to find something that was another kind of similar investment that was focusing on the Australian market because we do wanna make sure we keep everything very diversified for you.","start":1475.2351,"end":1489.245,"sentiment":"neutral","sentiment_score":0.17698296744908606},{"text":"But we don't want, obviously, everything in The US or you know, we wanna make sure we keep things diversified.","start":1489.245,"end":1495.105,"sentiment":"neutral","sentiment_score":-0.0401277375407517},{"text":"So one that they did find that was a little bit cheaper because it's not the same kind of active component is your beta shares a 200.","start":1495.645,"end":1506.2799,"sentiment":"neutral","sentiment_score":0.045510081134529576}],"sentiment":"neutral","sentiment_score":0.11787646459457132,"num_words":112,"start":1466.035,"end":1506.2799},{"sentences":[{"text":"Have you ever heard of that, James?","start":1506.34,"end":1508.2,"sentiment":"neutral","sentiment_score":0.01149105919258935},{"text":"Yeah.","start":1511.94,"end":1512.44,"sentiment":"neutral","sentiment_score":0.05359954386949539},{"text":"Well, basically, what it is is it invests in the 200 largest companies listed in Australia.","start":1512.5,"end":1518.875,"sentiment":"neutral","sentiment_score":0.06779515708331019},{"text":"So, obviously, very diversified.","start":1519.335,"end":1521.275,"sentiment":"neutral","sentiment_score":0.16421754658222198},{"text":"You will be invested in 200 different companies.","start":1521.975,"end":1524.635,"sentiment":"neutral","sentiment_score":0.18677636235952377}],"sentiment":"neutral","sentiment_score":0.09360668213210172,"num_words":36,"start":1506.34,"end":1524.635},{"sentences":[{"text":"You will have, obviously, like, the banks, Woolworths, BHP, and that's all the big companies.","start":1525.255,"end":1531.04,"sentiment":"neutral","sentiment_score":0.19263337353865306},{"text":"They're very diversified.","start":1531.04,"end":1532.1001,"sentiment":"positive","sentiment_score":0.42399126291275024},{"text":"Now it is a little bit cheaper because you are also, like, kind of tracking those 200 largest companies.","start":1533.4401,"end":1538.9801,"sentiment":"positive","sentiment_score":0.341211900409115},{"text":"So as a company kind of grows and gets bigger, it gets added, and then something smaller kind of falls out, which is a little bit different through the Bennelong investment where they are kind of trying to actively buy and sell different investments in order to try to outperform the market.","start":1539.1201,"end":1555.105,"sentiment":"neutral","sentiment_score":0.00639015275429791},{"text":"Does that make sense?","start":1556.365,"end":1557.505,"sentiment":"neutral","sentiment_score":0.10347172617912292}],"sentiment":"neutral","sentiment_score":0.1224803800809808,"num_words":93,"start":1525.255,"end":1557.505},{"sentences":[{"text":"Yeah.","start":1559.01,"end":1559.3301,"sentiment":"neutral","sentiment_score":0.23515047132968905},{"text":"Yeah.","start":1559.3301,"end":1559.8301,"sentiment":"neutral","sentiment_score":0.25738921761512756},{"text":"So, basically, overall, it's a little bit cheaper for you, but it also has performed a little bit better, but still making sure we keep your portfolio aligned with that growth portfolio and diversified for you.","start":1560.05,"end":1573.605,"sentiment":"positive","sentiment_score":0.36385854002502227},{"text":"If you are happy with with it, I can make that change for you.","start":1574.565,"end":1580.665,"sentiment":"positive","sentiment_score":0.5443966005529676},{"text":"If that is something that you're happy for us to go ahead and make to make sure we obviously have the best option.","start":1581.125,"end":1586.085,"sentiment":"positive","sentiment_score":0.37183019065338635}],"sentiment":"positive","sentiment_score":0.3968679189682007,"num_words":75,"start":1559.01,"end":1586.085},{"sentences":[{"text":"Yeah.","start":1586.085,"end":1586.46,"sentiment":"neutral","sentiment_score":0.2069050520658493},{"text":"Perfect.","start":1586.62,"end":1587.12,"sentiment":"positive","sentiment_score":0.4875526428222656},{"text":"What I will do just for your reference, just so you have it, you don't have to sign it.","start":1588.38,"end":1592.94,"sentiment":"neutral","sentiment_score":0.17958225074567294},{"text":"But what I will do is in the next couple of days, I will send you something that's called a record of advice.","start":1592.94,"end":1598.7999,"sentiment":"neutral","sentiment_score":0.13607723719399908},{"text":"Basically, what it is, it is just showing you the investment change that we're swapping Ben along for the the a 200.","start":1599.6051,"end":1607.4651,"sentiment":"neutral","sentiment_score":0.11107899045402353}],"sentiment":"neutral","sentiment_score":0.14666719249252116,"num_words":66,"start":1586.085,"end":1607.4651},{"sentences":[{"text":"You don't need to sign it, but it's just there in a record for you so that you have it just for your record.","start":1607.685,"end":1613.305,"sentiment":"neutral","sentiment_score":0.11116800534849365},{"text":"Does that make sense?","start":1613.4451,"end":1614.5851,"sentiment":"neutral","sentiment_score":0.07577809318900108},{"text":"Yep.","start":1616.61,"end":1617.11,"sentiment":"neutral","sentiment_score":0.11847281455993652},{"text":"Perfect.","start":1617.25,"end":1617.75,"sentiment":"neutral","sentiment_score":0.3304331302642822},{"text":"I'm almost finished, James, but the next couple of documents you will see is a certificate of currency, which basically breaks down those insurances again in a bit more detail.","start":1618.5299,"end":1631.7051,"sentiment":"neutral","sentiment_score":0.1817449502646923}],"sentiment":"neutral","sentiment_score":0.14787331589808067,"num_words":60,"start":1607.685,"end":1631.7051},{"sentences":[{"text":"So if you ever wanna go back and have a look at it, that's all there for you.","start":1631.7051,"end":1635.965,"sentiment":"neutral","sentiment_score":0.22717918207248053},{"text":"You will also have another OQ services guide.","start":1636.665,"end":1640.845,"sentiment":"neutral","sentiment_score":0.16325071081519127},{"text":"You would have seen this one before.","start":1641.14,"end":1642.76,"sentiment":"neutral","sentiment_score":0.12921322137117386},{"text":"It's one of those compliance documents, but it does give you all the important information regarding us here at OQ.","start":1643.2201,"end":1648.52,"sentiment":"neutral","sentiment_score":0.1756582584232092},{"text":"None of the important information has changed, but we've had a bit of an update to marketing, which is good, and a bit of an extension to the team, which is nice.","start":1649.54,"end":1658.055,"sentiment":"positive","sentiment_score":0.4200402816059068}],"sentiment":"neutral","sentiment_score":0.2735785610973835,"num_words":85,"start":1631.7051,"end":1658.055},{"sentences":[{"text":"So if you do ever go back and have a look at it, you will find myself there on page 10 again if you do wanna put a face to the voice.","start":1658.055,"end":1666.2351,"sentiment":"neutral","sentiment_score":0.13365370279643685},{"text":"Yep.","start":1668.71,"end":1669.21,"sentiment":"positive","sentiment_score":0.40013831853866577},{"text":"Perfect.","start":1669.9099,"end":1670.4099,"sentiment":"positive","sentiment_score":0.716615617275238},{"text":"Now the two documents that you did sign as well, just so obviously you know what those were, one was a tax phone number opt in form, which was just true to say that we are keeping a tax phone number secure and safe on file.","start":1670.71,"end":1683.5449,"sentiment":"neutral","sentiment_score":0.3286654660883157},{"text":"And the other one was just your usual ongoing service agreement.","start":1684.645,"end":1688.905,"sentiment":"neutral","sentiment_score":0.32478260181166907}],"sentiment":"neutral","sentiment_score":0.2646691481900084,"num_words":91,"start":1658.055,"end":1688.905},{"sentences":[{"text":"That is just to say that, obviously, you are happy to stay on as a client.","start":1689.845,"end":1693.385,"sentiment":"positive","sentiment_score":0.5869815461337566},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":1694.005,"end":1698.88,"sentiment":"neutral","sentiment_score":0.22858712698022524},{"text":"So that stays exactly the same at 1.65 from super, so it's not increasing at all, which is good.","start":1698.9401,"end":1705.68,"sentiment":"positive","sentiment_score":0.4601400322035739},{"text":"And, again, it is not a lock in contract.","start":1705.9,"end":1708.06,"sentiment":"neutral","sentiment_score":0.054602241764465966},{"text":"So if at any point in time you are not happy, not a lock in contract.","start":1708.06,"end":1712.16,"sentiment":"neutral","sentiment_score":0.01958015444688499}],"sentiment":"neutral","sentiment_score":0.3011404655666815,"num_words":72,"start":1689.845,"end":1712.16},{"sentences":[{"text":"But otherwise, by by signing that, it allows us to manage all your investments and insurances and everything for you in the meantime.","start":1712.565,"end":1719.225,"sentiment":"neutral","sentiment_score":0.27549594381581183},{"text":"Yeah.","start":1720.965,"end":1721.465,"sentiment":"neutral","sentiment_score":0.056245021522045135},{"text":"Do you have any questions in regards to any of that, James, or is that pretty straightforward?","start":1721.5249,"end":1726.1849,"sentiment":"neutral","sentiment_score":0.0053915938033777125},{"text":"Yep.","start":1727.11,"end":1727.61,"sentiment":"neutral","sentiment_score":0.11631466448307036},{"text":"Yep.","start":1728.87,"end":1729.37,"sentiment":"neutral","sentiment_score":0.2372310608625412}],"sentiment":"neutral","sentiment_score":0.15901987323927325,"num_words":43,"start":1712.565,"end":1729.37},{"sentences":[{"text":"Beautiful.","start":1729.75,"end":1730.25,"sentiment":"positive","sentiment_score":0.5276217460632324},{"text":"So, basically, from here, I will send you that record of advice in the next couple of days.","start":1730.3899,"end":1736.57,"sentiment":"neutral","sentiment_score":0.2772953203982777},{"text":"I will also get my colleague, Whitlam, to draft that letter for you to start the salary sacrifice of that $100 per fortnight.","start":1736.71,"end":1744.605,"sentiment":"neutral","sentiment_score":0.2609637651754462},{"text":"You just pass it on to your employer.","start":1744.985,"end":1746.845,"sentiment":"neutral","sentiment_score":0.33206249587237835},{"text":"We'll keep a lookout for those contributions, and you should see as well that kind of compounding and growing your super a bit quicker, which is great.","start":1746.905,"end":1753.62,"sentiment":"positive","sentiment_score":0.5325326709835617}],"sentiment":"positive","sentiment_score":0.3708569635818531,"num_words":77,"start":1729.75,"end":1753.62},{"sentences":[{"text":"I will also get my colleague through repost those beneficiary forms so that you do have it handy when you do kind of decide who you would like to nominate.","start":1754.5,"end":1763.5599,"sentiment":"neutral","sentiment_score":0.2545371616880099},{"text":"Yeah.","start":1766.1951,"end":1766.675,"sentiment":"neutral","sentiment_score":0.17177751660346985},{"text":"Perfect.","start":1766.675,"end":1767.175,"sentiment":"positive","sentiment_score":0.39266476035118103},{"text":"But do you have any other questions for me at this point otherwise, James?","start":1767.235,"end":1771.655,"sentiment":"neutral","sentiment_score":0.02055607975593635},{"text":"No?","start":1773.475,"end":1773.975,"sentiment":"neutral","sentiment_score":-0.180921733379364}],"sentiment":"neutral","sentiment_score":0.17675362788933388,"num_words":47,"start":1754.5,"end":1773.975},{"sentences":[{"text":"Okay.","start":1774.755,"end":1775.255,"sentiment":"neutral","sentiment_score":-0.05635389685630798},{"text":"Beautiful.","start":1775.3151,"end":1775.8151,"sentiment":"neutral","sentiment_score":-0.00002274712096550502},{"text":"If if you do think of anything, just give me a call or send me an email.","start":1775.875,"end":1779.975,"sentiment":"neutral","sentiment_score":0.10307283173589145},{"text":"Always happy to book you in for a bit of a catch up if you do ever need anything.","start":1780.2101,"end":1783.27,"sentiment":"positive","sentiment_score":0.5184452361182162},{"text":"Yep.","start":1784.93,"end":1785.43,"sentiment":"neutral","sentiment_score":0.3248053789138794}],"sentiment":"neutral","sentiment_score":0.3043878554023813,"num_words":39,"start":1774.755,"end":1785.43},{"sentences":[{"text":"No problem at all.","start":1786.4501,"end":1787.25,"sentiment":"positive","sentiment_score":0.5511844083666801},{"text":"It was lovely speaking with you, James, and I hope you enjoy the rest of your afternoon.","start":1787.25,"end":1791.03,"sentiment":"positive","sentiment_score":0.7304996287121492},{"text":"Hello.","start":1793.139,"end":1793.639,"sentiment":"neutral","sentiment_score":0.3127408027648926},{"text":"Speaking.","start":1794.019,"end":1794.519,"sentiment":"neutral","sentiment_score":0.1865390837192535},{"text":"Bye.","start":1794.979,"end":1795.479,"sentiment":"neutral","sentiment_score":0.2250821590423584}],"sentiment":"positive","sentiment_score":0.6394830569624901,"num_words":24,"start":1786.4501,"end":1795.479}]}}]},{"alternatives":[{"transcript":"You going? Confused. Yeah. Good. Yourself? Good. It's good. I'm sorry I missed your call before. I do got two That's alright. Sorry. I was driving at the time when you when you called me. And do I? Yeah. Yeah. Yeah. That's fine. Yeah. I'm free at the moment. I just wanna make sure that I'm, like, super and everything's still alright because, obviously, we've had a big fluctuation, I suppose, since Jim Chalmers did his, like, you know, budget. So and I just wanna make sure, like, that I'm getting, like, the right super and for my insurance as well. Oh, see that. Yes. Yep. Yes. Yes. What was the last one? Sorry. The last part. Yeah. Yeah. Yeah. That's correct. Yep. Yeah. That's still the case. Yep. Yeah. Yeah. I'm still working as a hospital security guard at Ramsey Healthcare. No. No. No. No. So I'm in house directly with Ramsay Healthcare at Greenslopes. I've been I've been there for about two and a half years, so I've started on the I'll quickly have a look for you when my start date was so you can know. Just give me two seconds. So I started on the thirty first of the first 2024. And it yeah. Yeah. Yeah. Definitely. It's a lot better being in house than contracted. Yeah. Yeah. Yeah. Still unarmed. Yep. No. Full time. I think when I did my tax last year, it was at 98,500. Yeah. It's for fortnightly still. Yep. Yeah. Yeah. Fortnightly. Yep. Is this all of that? That is fine? No. That was what I was gonna talk to you about. I was gonna do the everything is that the salary sacrifice where, obviously, yeah, money goes in for more for my super. Yep. What's going to cost? Maybe, like, a $100 at the moment. Yes. Yep. Yep. Yep. Yeah. Yeah. Of course. Yeah. Yeah. I do. I'm with Medibank Private. Yes. Is that correct? Yep. Yes. Yes. Pretty cool watching you. Yeah. Yeah. Yeah. Of course. Yep. Yes. Yes. Yes. Yep. Yeah. Yeah. Okay. Yeah. Yep. Yeah. Okay. Yeah. Are you gonna have one? Yeah. Yeah. Yeah. 100 percent. Yep. Yeah. Is that is that okay? Do you guys just email me directly with that, do you? Or yeah. Yep. Yep. Yep. Excuse me. Yep. Yep. Yeah. Okay. Yep. Yep. Yep. Okay. Please? Yep. Yeah. Yep. Yep. I suppose it'll just lower my taxes, though, why not every time I get paid. Yep. Yeah. Okay. Yep. Okay. No. You know? Yeah. Okay. Alright. No. That's all good. Yeah. Definitely. Yeah. Yep. Yeah. No. No. Not really. No. Yeah. Yeah. Yep. Yeah. Yeah. 100%. Sorry. Say that it lost part again. Sorry. The what? Yeah. That's correct. Yeah. Yeah. I do. Yes. Yeah. That's correct. No. No. No. No. Yes. You want anything else, please? Yes. Yeah. That's correct. No. No. Yes. Yeah. That's correct. Nothing else yet. Not at this current point. No. Yes. Yeah. Oh, it's very difficult. Not at the moment. No. No. Yep. Yep. Pretty cool. Okay. Yep. Yes. Yeah. Yeah. Okay. Yeah. That's understandable. Yeah. Yes. Sorry. Say that again. Sorry. It's hard to hear you. Sometimes the phone's quiet. Yeah. Sorry. Yeah. Yeah. Probably repost them would be better. See. Yeah. Yes. Yep. Yep. Yep. Yeah. I'll do that. No worries. Yeah? No. Nothing at the moment that I'm really wanting to achieve. I just guess paying my loan off and hopefully, I suppose, getting as much safer as possible for the future when I retire. So yeah. Yeah. Yeah. Yeah. A 100%. No. Probably moderate. Moderate? Yeah. Do you want to try something? Mhmm. Yeah. That's launching. Hello there. I'm on the. I want to just watch this. Do you want speech too? I like speech too. Sorry. Probably neutral. Yeah. Yep. Probably, nature at the moment. Yeah. Yeah. Mhmm. Yeah. That's a possibility. Yeah. Yeah. I vaguely remember. Yes. Yes. Yep. Yep. Yeah. Mhmm. Yeah. Yes. Yeah. Y'all do. I have access to my email at the moment. Yeah. Yep. Yeah. Yep. I'm still on to my I'm fine, I believe. Is that the one where it just says sign document? Mhmm. Yeah. I'll just go on. Yeah. Yeah. Yeah. I just saw him. Yeah. I've I've saw I'm just signing the documents as we speak. Yeah. Yeah. Yeah. A 100%. Can I borrow, please? Yeah. Yeah. Yeah. Yeah. It called. Yeah. Yeah. Not really. No. Not at the moment. Yeah. I just wanted to know what it was. Yeah. Yep. Yeah. Okay. That's alright. Yeah. Yeah. Yeah. Yep. Yep. Okay. Yeah. Yeah. Yeah. Yeah. I can say that. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. That makes sense. Yeah. I've heard bits and pieces about it. Yeah. Oh, boy. Yep. Yeah. Okay. Mhmm. Yeah. It makes sense. Yeah. Yeah. Yeah. Yes. Yeah. Yes, please. Yeah. Yep. Yeah. That makes sense. Yes. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Okay. Mhmm. Yep. Yes. Yes. Okay. Yeah. No worries. No. No. It's pretty straightforward. Yep. Yep. Yep. Yep. Yeah. No. All good. No. Not at the moment. Not at all. No. Yeah. Will do. Appreciate that. Nice. You too. You too. Thank you. Appreciate it. Cheers. Thanks. Bye bye. 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going? Confused. Yeah. Good. Yourself?\n\nGood. It's good. I'm sorry I missed your call before. I do got two That's alright. Sorry.\n\nI was driving at the time when you when you called me. And do I? Yeah. Yeah. Yeah.\n\nThat's fine. Yeah. I'm free at the moment. I just wanna make sure that I'm, like, super and everything's still alright because, obviously, we've had a big fluctuation, I suppose, since Jim Chalmers did his, like, you know, budget. So and I just wanna make sure, like, that I'm getting, like, the right super and for my insurance as well.\n\nOh, see that. Yes. Yep. Yes. Yes.\n\nWhat was the last one? Sorry. The last part. Yeah. Yeah.\n\nYeah. That's correct. Yep. Yeah. That's still the case.\n\nYep. Yeah. Yeah. I'm still working as a hospital security guard at Ramsey Healthcare. No.\n\nNo. No. No. So I'm in house directly with Ramsay Healthcare at Greenslopes. I've been I've been there for about two and a half years, so I've started on the I'll quickly have a look for you when my start date was so you can know.\n\nJust give me two seconds. So I started on the thirty first of the first 2024. And it yeah. Yeah. Yeah.\n\nDefinitely. It's a lot better being in house than contracted. Yeah. Yeah. Yeah.\n\nStill unarmed. Yep. No. Full time. I think when I did my tax last year, it was at 98,500.\n\nYeah. It's for fortnightly still. Yep. Yeah. Yeah.\n\nFortnightly. Yep. Is this all of that? That is fine? No.\n\nThat was what I was gonna talk to you about. I was gonna do the everything is that the salary sacrifice where, obviously, yeah, money goes in for more for my super. Yep. What's going to cost? Maybe, like, a $100 at the moment.\n\nYes. Yep. Yep. Yep. Yeah.\n\nYeah. Of course. Yeah. Yeah. I do.\n\nI'm with Medibank Private. Yes. Is that correct? Yep. Yes.\n\nYes. Pretty cool watching you. Yeah. Yeah. Yeah.\n\nOf course. Yep. Yes. Yes. Yes.\n\nYep. Yeah. Yeah. Okay. Yeah.\n\nYep. Yeah. Okay. Yeah. Are you gonna have one?\n\nYeah. Yeah. Yeah. 100 percent. Yep.\n\nYeah. Is that is that okay? Do you guys just email me directly with that, do you? Or yeah. Yep.\n\nYep. Yep. Excuse me. Yep. Yep.\n\nYeah. Okay. Yep. Yep. Yep.\n\nOkay. Please? Yep. Yeah. Yep.\n\nYep. I suppose it'll just lower my taxes, though, why not every time I get paid. Yep. Yeah. Okay.\n\nYep. Okay. No. You know? Yeah.\n\nOkay. Alright. No. That's all good. Yeah.\n\nDefinitely. Yeah. Yep. Yeah. No.\n\nNo. Not really. No. Yeah. Yeah.\n\nYep. Yeah. Yeah. 100%. Sorry.\n\nSay that it lost part again. Sorry. The what? Yeah. That's correct.\n\nYeah. Yeah. I do. Yes. Yeah.\n\nThat's correct. No. No. No. No.\n\nYes. You want anything else, please? Yes. Yeah. That's correct.\n\nNo. No. Yes. Yeah. That's correct.\n\nNothing else yet. Not at this current point. No. Yes. Yeah.\n\nOh, it's very difficult. Not at the moment. No. No. Yep.\n\nYep. Pretty cool. Okay. Yep. Yes.\n\nYeah. Yeah. Okay. Yeah. That's understandable.\n\nYeah. Yes. Sorry. Say that again. Sorry.\n\nIt's hard to hear you. Sometimes the phone's quiet. Yeah. Sorry. Yeah.\n\nYeah. Probably repost them would be better. See. Yeah. Yes.\n\nYep. Yep. Yep. Yeah. I'll do that.\n\nNo worries. Yeah? No. Nothing at the moment that I'm really wanting to achieve. I just guess paying my loan off and hopefully, I suppose, getting as much safer as possible for the future when I retire.\n\nSo yeah. Yeah. Yeah. Yeah. A 100%.\n\nNo. Probably moderate. Moderate? Yeah. Do you want to try something?\n\nMhmm. Yeah. That's launching. Hello there. I'm on the.\n\nI want to just watch this. Do you want speech too? I like speech too. Sorry. Probably neutral.\n\nYeah. Yep. Probably, nature at the moment. Yeah. Yeah.\n\nMhmm. Yeah. That's a possibility. Yeah. Yeah.\n\nI vaguely remember. Yes. Yes. Yep. Yep.\n\nYeah. Mhmm. Yeah. Yes. Yeah.\n\nY'all do. I have access to my email at the moment. Yeah. Yep. Yeah.\n\nYep. I'm still on to my I'm fine, I believe. Is that the one where it just says sign document? Mhmm. Yeah.\n\nI'll just go on. Yeah. Yeah. Yeah. I just saw him.\n\nYeah. I've I've saw I'm just signing the documents as we speak. Yeah. Yeah. Yeah.\n\nA 100%. Can I borrow, please? Yeah. Yeah. Yeah.\n\nYeah. It called. Yeah. Yeah. Not really.\n\nNo. Not at the moment. Yeah. I just wanted to know what it was. Yeah.\n\nYep. Yeah. Okay. That's alright. Yeah.\n\nYeah. Yeah. Yep. Yep. Okay.\n\nYeah. Yeah. Yeah. Yeah. I can say that.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nYeah. That makes sense. Yeah. I've heard bits and pieces about it. Yeah.\n\nOh, boy. Yep. Yeah. Okay. Mhmm.\n\nYeah. It makes sense. Yeah. Yeah. Yeah.\n\nYes. Yeah. Yes, please. Yeah. Yep.\n\nYeah. That makes sense. Yes. Yep. Yep.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nMhmm. Yep. Yes. Yes. Okay.\n\nYeah. No worries. No. No. It's pretty straightforward.\n\nYep. Yep. Yep. Yep. Yeah.\n\nNo. All good. No. Not at the moment. Not at all.\n\nNo. Yeah. Will do. Appreciate that. Nice.\n\nYou too. You too. Thank you. Appreciate it. Cheers.\n\nThanks. Bye bye. 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Confused.\n\nChannel 0: Good afternoon, James. This is Veronica. How are you?\n\nChannel 1: Yeah. Good. Yourself?\n\nChannel 0: Yeah. I'm good. Thanks.\n\nChannel 1: Good. It's good. I'm sorry\n\nChannel 0: No.\n\nChannel 1: I missed your call before.\n\nChannel 0: All good. Thanks for calling me\n\nChannel 1: I\n\nChannel 0: back.\n\nChannel 1: do got two That's alright. Sorry. I was driving at the time when you when you called me.\n\nChannel 0: No. All good. Do\n\nChannel 1: And\n\nChannel 0: you still\n\nChannel 1: do I?\n\nChannel 0: have a bit of time to go over the under review with me now?\n\nChannel 1: Yeah. Yeah. Yeah. That's fine. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: I'm free at the moment.\n\nChannel 0: Okay. Perfect. Now before I kind of jump into things, I do like to start by asking if there is anything specific you're hoping to get out of the review today or any particular questions you might have or just a bit\n\nChannel 1: I\n\nChannel 0: of an update\n\nChannel 1: just wanna make\n\nChannel 0: and\n\nChannel 1: sure\n\nChannel 0: kind\n\nChannel 1: that\n\nChannel 0: of\n\nChannel 1: I'm,\n\nChannel 0: the\n\nChannel 1: like, super and everything's still alright\n\nChannel 0: Mhmm.\n\nChannel 1: because, obviously, we've had a big fluctuation, I suppose, since\n\nChannel 0: Yeah.\n\nChannel 1: Jim Chalmers did his, like, you know,\n\nChannel 0: Mhmm.\n\nChannel 1: budget. So\n\nChannel 0: Yeah. The\n\nChannel 1: and\n\nChannel 0: last\n\nChannel 1: I just\n\nChannel 0: twelve\n\nChannel 1: wanna\n\nChannel 0: months.\n\nChannel 1: make sure, like,\n\nChannel 0: Yeah.\n\nChannel 1: that I'm getting, like, the right super and for my insurance as well.\n\nChannel 0: Yep. Yep. Yep.\n\nChannel 1: Oh,\n\nChannel 0: Perfect.\n\nChannel 1: see that.\n\nChannel 0: We can definitely go through all of that today. Now what I will go through quickly with you first before I kind of jump in through your super and your insurances is just\n\nChannel 1: Yes.\n\nChannel 0: to go through just a quick after the fact find just to see if there is anything major that has changed in your life, if we also\n\nChannel 1: Yep.\n\nChannel 0: need to take that into consideration if we need to make any changes.\n\nChannel 1: Yes.\n\nChannel 0: Kind of bear with me as I go through this information here, James. Now\n\nChannel 1: Yes.\n\nChannel 0: when it comes to your personal information, I have you down here single with the one financial dependent. Is that correct?\n\nChannel 1: What was the last one? Sorry. The last part.\n\nChannel 0: With one financial dependent with with a\n\nChannel 1: Yeah.\n\nChannel 0: daughter?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That's\n\nChannel 0: Yep.\n\nChannel 1: correct. Yep.\n\nChannel 0: Yep. Perfect. And next up, 10. So in the event something ever were to happen to you, I have your your mom, Leanne, nominated. That's still the case as well?\n\nChannel 1: Yeah. That's still the case.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Occupation wise, are you still working as a security guard, or has that changed?\n\nChannel 1: Yeah. Yeah. I'm still working as a hospital security guard at Ramsey Healthcare.\n\nChannel 0: Perfect. And is that still with Millennium Security or with a different contractor?\n\nChannel 1: No. No. No. No. So I'm in house directly with Ramsay Healthcare at Greenslopes.\n\nChannel 0: Okay. Perfect. And when did you start\n\nChannel 1: I've been\n\nChannel 0: there?\n\nChannel 1: I've been there for about two and a half years, so\n\nChannel 0: Hi.\n\nChannel 1: I've started on the I'll quickly have a look for you when my start date was so you can know.\n\nChannel 0: Mhmm. Yeah. That'd be great.\n\nChannel 1: Just give me two seconds.\n\nChannel 0: Yeah. Sure.\n\nChannel 1: So I started on the thirty first of the first 2024.\n\nChannel 0: Okay. Beautiful. And enjoying\n\nChannel 1: And it\n\nChannel 0: it so far?\n\nChannel 1: yeah. Yeah. Yeah. Definitely.\n\nChannel 0: Yeah.\n\nChannel 1: It's a lot\n\nChannel 0: Yeah.\n\nChannel 1: better being in house than contracted.\n\nChannel 0: Yeah. I can imagine. And still unarmed, or do you have to wear\n\nChannel 1: Yeah.\n\nChannel 0: a weapon\n\nChannel 1: Yeah. Yeah. Still unarmed.\n\nChannel 0: still armed off? Okay. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And working part time or full time?\n\nChannel 1: No. Full time.\n\nChannel 0: Beautiful. Now income wise, that may have changed. Do you know roughly what your income is?\n\nChannel 1: I think when I did my tax last year, it was at 98,500.\n\nChannel 0: Oh, perfect. $98.05\n\nChannel 1: Yeah.\n\nChannel 0: 100. And they just pay you that standard 12% contribution into super? Like, there's\n\nChannel 1: It's\n\nChannel 0: no\n\nChannel 1: for\n\nChannel 0: EBA\n\nChannel 1: fortnightly still.\n\nChannel 0: fortnightly. Yep. No.\n\nChannel 1: Yep.\n\nChannel 0: That's all good. And you get paid fortnightly as well?\n\nChannel 1: Yeah. Yeah. Fortnightly.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Right. And\n\nChannel 1: Is this\n\nChannel 0: you are\n\nChannel 1: all\n\nChannel 0: not\n\nChannel 1: of\n\nChannel 0: making\n\nChannel 1: that?\n\nChannel 0: additional contributions\n\nChannel 1: That is\n\nChannel 0: to\n\nChannel 1: fine?\n\nChannel 0: Super. Otherwise, it's\n\nChannel 1: No.\n\nChannel 0: just that from\n\nChannel 1: That\n\nChannel 0: your\n\nChannel 1: was\n\nChannel 0: employer?\n\nChannel 1: what I was gonna talk to you about. I was gonna do the everything is that the salary sacrifice where,\n\nChannel 0: Yep.\n\nChannel 1: obviously, yeah, money goes in for more for my super.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And how much\n\nChannel 1: What's\n\nChannel 0: are you\n\nChannel 1: going\n\nChannel 0: thinking?\n\nChannel 1: to cost? Maybe, like, a $100 at the moment.\n\nChannel 0: Yeah. And that will be per fortnight?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. Perfect. Now I can have a kind of rough figure. So if it is something obviously, it's a great way to boost your super in a very tax effective way.\n\nChannel 1: Yep.\n\nChannel 0: And, obviously, because you still have plenty of time until retirement, it will obviously compound and grow for you, which is great. The the biggest thing to be mindful of is obviously your your take home pay, making sure\n\nChannel 1: Yep.\n\nChannel 0: that obviously you have enough to cover bills and expenses. So\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Yeah. Of course.\n\nChannel 0: it's in there. Now do you have private health care, James?\n\nChannel 1: Yeah. Yeah. I do. I'm with\n\nChannel 0: Yep.\n\nChannel 1: Medibank Private.\n\nChannel 0: Okay. Beautiful. Let me see. So if your income is about 98,500,\n\nChannel 1: Yes.\n\nChannel 0: after tax, that's about\n\nChannel 1: Is that\n\nChannel 0: 70\n\nChannel 1: correct?\n\nChannel 0: 6,460.\n\nChannel 1: Yep.\n\nChannel 0: Now if we salary sacrifice a $100 a fortnight, that reduces your yearly\n\nChannel 1: Yes.\n\nChannel 0: income to about 74,692. So\n\nChannel 1: Yes.\n\nChannel 0: that is a difference, let's see here,\n\nChannel 1: Pretty cool\n\nChannel 0: of about\n\nChannel 1: watching you.\n\nChannel 0: 1,768. Would that be\n\nChannel 1: Yeah.\n\nChannel 0: like, that will be okay cash flow wise for you? Yeah.\n\nChannel 1: Yeah. Yeah. Of course.\n\nChannel 0: Yeah. Sweet. And what it will do as well is, obviously, because contributions going into superannuation is\n\nChannel 1: Yep.\n\nChannel 0: taxed at 15%, which is obviously kind of where the tax saving comes in. Because on your income at the moment, you are on that 30% tax bracket. That's obviously the\n\nChannel 1: Yes.\n\nChannel 0: medical\n\nChannel 1: Yes.\n\nChannel 0: levy. So you will save a bit of tax, which is great. So\n\nChannel 1: Yes.\n\nChannel 0: income tax saving will be around 832 for you if you do a $100 a fortnight. But\n\nChannel 1: Yep.\n\nChannel 0: then, obviously, contributions are taxed in super. So, basically, net savings. So aside from, obviously, all the\n\nChannel 1: Yeah.\n\nChannel 0: benefits with compounding to superannuation and growing it, it will save you a net tax of about $442, which is pretty good.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. Now one thing to obviously be mindful of is that when you do put the money in, it will be locked in until you meet a condition of release. So\n\nChannel 1: Yeah.\n\nChannel 0: for example, retiring stopped working at 60. So, obviously, be\n\nChannel 1: Yep.\n\nChannel 0: mindful that it's not money that you need access to anytime soon.\n\nChannel 1: Yeah. Okay. Yeah. Are you gonna have\n\nChannel 0: Yeah.\n\nChannel 1: one?\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And does that all all sound good? That's something that you would like to look at doing with your employer?\n\nChannel 1: Yeah. Yeah. 100\n\nChannel 0: Yes.\n\nChannel 1: percent.\n\nChannel 0: Yeah. So there is basically two ways. You can either go directly to your employer and tell\n\nChannel 1: Yep.\n\nChannel 0: them that you want to do it, or I can get the team to draft a letter to say that you would like to start doing a $100 per fortnight that you forward on to the employer. It's up to you.\n\nChannel 1: Yeah.\n\nChannel 0: What\n\nChannel 1: Is\n\nChannel 0: would\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: is\n\nChannel 0: prefer?\n\nChannel 1: that okay? Do you guys\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: Of course.\n\nChannel 1: email me directly with that, do you? Or\n\nChannel 0: Yeah. So what\n\nChannel 1: yeah.\n\nChannel 0: we can do is we can just draft a letter,\n\nChannel 1: Yep.\n\nChannel 0: and then all you all you do is just pull it out on through HR or\n\nChannel 1: Yep.\n\nChannel 0: your employer, and then they would kind of set it up, and we can keep a little lookout on your hub 24 for your superannuation just to make sure that's going in. I\n\nChannel 1: Yep.\n\nChannel 0: can definitely\n\nChannel 1: Excuse\n\nChannel 0: get\n\nChannel 1: me.\n\nChannel 0: the team to do that. Now\n\nChannel 1: Yep.\n\nChannel 0: with our sacrifice as well, it's something that you can always adjust. So if your\n\nChannel 1: Yep.\n\nChannel 0: situation change and you go, no. I have to stop for a bit, whatever it might be, it's\n\nChannel 1: Yeah.\n\nChannel 0: not like you're locked in. So you can tell your employer whenever you want to if you need to stop it. So you can just\n\nChannel 1: Okay.\n\nChannel 0: tell them directly if if something happens and you were like, no. I actually really need that extra money at the moment. You can just tell\n\nChannel 1: Yep.\n\nChannel 0: them. You can put more in as well. The only thing I would say, if you do wanna put more in, even just give me a call because I\n\nChannel 1: Yep.\n\nChannel 0: can just kind of run through the numbers because the one thing I do wanna make sure that you don't exceed is the\n\nChannel 1: Yep.\n\nChannel 0: the cap base available. So with the new financial\n\nChannel 1: Okay.\n\nChannel 0: year, it's up to 32,000\n\nChannel 1: Please?\n\nChannel 0: 500, and that\n\nChannel 1: Yep.\n\nChannel 0: also includes what your employer puts in. So\n\nChannel 1: Yeah. Yep.\n\nChannel 0: your employer puts in if your income is about 98,500, they put in about 11,820, and you\n\nChannel 1: Yep.\n\nChannel 0: would do about $2.06. So you still have plenty of space. So even if you wanted to, you know, later put\n\nChannel 1: I\n\nChannel 0: in\n\nChannel 1: suppose\n\nChannel 0: more, there\n\nChannel 1: it'll\n\nChannel 0: is\n\nChannel 1: just\n\nChannel 0: space.\n\nChannel 1: lower my taxes, though, why not every time I get paid.\n\nChannel 0: Exactly. And that's right. So\n\nChannel 1: Yep.\n\nChannel 0: the the net tax saving is up per year about $442, which is how it\n\nChannel 1: Yeah.\n\nChannel 0: is\n\nChannel 1: Okay.\n\nChannel 0: very effective. Yeah. So, yeah,\n\nChannel 1: Yep.\n\nChannel 0: it's a great\n\nChannel 1: Okay.\n\nChannel 0: way to\n\nChannel 1: No.\n\nChannel 0: boost super, save on tax, compound for retirement.\n\nChannel 1: You\n\nChannel 0: Downside is it is locked in until you meet that condition of release. So that's kind of the only thing to\n\nChannel 1: know?\n\nChannel 0: be mindful\n\nChannel 1: Yeah.\n\nChannel 0: of.\n\nChannel 1: Okay. Alright. No.\n\nChannel 0: Yep.\n\nChannel 1: That's all good. Yeah. Definitely.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Well, I will get the team to draft that letter for you\n\nChannel 1: Yep.\n\nChannel 0: and send it through. If you have any questions\n\nChannel 1: Yeah.\n\nChannel 0: later or anything, just just let me know.\n\nChannel 1: No. No. Not\n\nChannel 0: It's\n\nChannel 1: really.\n\nChannel 0: pretty\n\nChannel 1: No.\n\nChannel 0: straightforward. Yeah. And I think\n\nChannel 1: Yeah.\n\nChannel 0: we have spoken about this before. I think we spoke last time your review as well, and we were kind of tossing out. But I think you had a little bit more potential expenses and stuff going on at the time\n\nChannel 1: Yeah. Yep.\n\nChannel 0: because, you know, yeah, it's something you've been willing to do. So so that's great, especially with the\n\nChannel 1: Yeah.\n\nChannel 0: increase in income and not being the contact anymore, which is\n\nChannel 1: Yeah. 100%.\n\nChannel 0: good. Yeah. Beautiful. Now, otherwise, when it comes to assets and liabilities, I have here that you have a motor vehicle ride at about 65,000. Is that still the case?\n\nChannel 1: Sorry. Say that it lost part again. Sorry. The what?\n\nChannel 0: That you have a motor vehicle, like a car, valued at about 65,000? You still\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: correct.\n\nChannel 0: one?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I do.\n\nChannel 0: And you had about 55 owing on it. Does that sound about\n\nChannel 1: Yes.\n\nChannel 0: right?\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Roughly? Yeah. Perfect. Now do you have any other assets, James? Any other savings in the banks, motorbikes, boats?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: Perfect. And any other, like, liabilities, personal loans, credit cards, ZipPay?\n\nChannel 1: No. No.\n\nChannel 0: Nope. Not perfect. And when it comes to\n\nChannel 1: Yes.\n\nChannel 0: your health and\n\nChannel 1: You\n\nChannel 0: lifestyle,\n\nChannel 1: want anything else, please? Yes.\n\nChannel 0: are you still a nonsmoker?\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Yep. And have you had any changes to your health or any health issues or injuries? Nope.\n\nChannel 1: No.\n\nChannel 0: And medication, is that just for the diabetes? Nothing\n\nChannel 1: No.\n\nChannel 0: else?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Just\n\nChannel 1: That's\n\nChannel 0: yep.\n\nChannel 1: correct.\n\nChannel 0: Perfect.\n\nChannel 1: Nothing else\n\nChannel 0: Yep.\n\nChannel 1: yet.\n\nChannel 0: No. Perfect. And when it comes to estate planning, do you have a will or power of attorney in place?\n\nChannel 1: Not at this current point. No.\n\nChannel 0: Nope. That's all good.\n\nChannel 1: Yes.\n\nChannel 0: And when it comes to your super and your insurances, I can see here that we don't currently have a a nomination on file for you. So that is if\n\nChannel 1: Yeah.\n\nChannel 0: something ever were to happen to you, someone\n\nChannel 1: Oh,\n\nChannel 0: that you would like to nominate for it. Do you have someone in mind,\n\nChannel 1: it's\n\nChannel 0: or did\n\nChannel 1: very\n\nChannel 0: you\n\nChannel 1: difficult.\n\nChannel 0: receive those letters in the post by any chance?\n\nChannel 1: Not at the moment. No.\n\nChannel 0: No?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. What I would suggest is obviously have a have a think about it\n\nChannel 1: Yep.\n\nChannel 0: of who you want just to make sure it goes through the person that you would like it to go to. Now they\n\nChannel 1: Yep.\n\nChannel 0: make it pretty\n\nChannel 1: Pretty\n\nChannel 0: strict\n\nChannel 1: cool.\n\nChannel 0: on who you can actually nominate directly through Super. So\n\nChannel 1: Okay.\n\nChannel 0: it can go directly through a spouse. It can go directly to a child\n\nChannel 1: Yep.\n\nChannel 0: or if there is someone who you have a financial and interdependency relationship with. Like if you live\n\nChannel 1: Yes.\n\nChannel 0: with someone who's relying on you financially. Otherwise, what a lot of people do, obviously, if if you don't have any of those or you wanted to give it. So if, for example, you wanna give it through your mom or brother or sister or cousin or whoever, you can you can still do it, but it would have to go through a will, essentially.\n\nChannel 1: Yeah. Yeah. Okay. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That's understandable. Yeah.\n\nChannel 0: Yep. Now just so you have those forms, because it is important to have a look at, obviously, when you have a moment. So there's not someone else coming and trying to make a claim for anything if something ever were to happen to you. Do you\n\nChannel 1: Yes.\n\nChannel 0: have access to a printer, or do you prefer us to repost those forms so that you do have it for when you have decided what you would like to do?\n\nChannel 1: Sorry. Say that again. Sorry. It's hard to hear you. Sometimes the\n\nChannel 0: No.\n\nChannel 1: phone's quiet.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah. Sorry. Yeah.\n\nChannel 0: No. That's okay, James. I I said, do you have access to a printer,\n\nChannel 1: Yeah.\n\nChannel 0: or would you like us to repost those forms so that you have it handy if\n\nChannel 1: Probably\n\nChannel 0: something were to happen?\n\nChannel 1: repost them would be better. See. Yeah.\n\nChannel 0: Yes. Perfect. And you're still at Baringa?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Okay. Perfect. Now I'll get the team to repost those. If you do have any questions, obviously, when you complete them, just give\n\nChannel 1: Yep.\n\nChannel 0: me\n\nChannel 1: Yep.\n\nChannel 0: a call. Okay?\n\nChannel 1: Yeah. I'll\n\nChannel 0: Yep.\n\nChannel 1: do that. No worries.\n\nChannel 0: Yep. Otherwise, when it comes to, I guess, goals for staff that are working towards or that you are wanting to achieve during the annual review review. Yeah?\n\nChannel 1: Yeah? No. Nothing at the moment that I'm really wanting to achieve. I just guess paying my loan off and hopefully, I suppose, getting as much safer as possible\n\nChannel 0: No.\n\nChannel 1: for\n\nChannel 0: Yeah.\n\nChannel 1: the future when I retire. So yeah.\n\nChannel 0: Yeah. No. Perfect. And that's still good goals. Trying to, you know, focus on that, which, obviously, the salary sacrifice will help, which\n\nChannel 1: Yeah.\n\nChannel 0: then kind of ties us into your your superannuation. So what I want to quickly go through with you next, James, is just a bit of a risk profile questionnaire. You may remember from last time, it is pretty straightforward. Just a couple of multiple choice questions, and that is just to see if your risk tolerance has\n\nChannel 1: Yeah.\n\nChannel 0: changed.\n\nChannel 1: Yeah. A\n\nChannel 0: It doesn't make sense. Just let me know. Okay?\n\nChannel 1: 100%.\n\nChannel 0: Yep. Perfect. Now have you ever bought direct shares yourself on the stock market?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And when it comes through how much risk you are willing to take for your superannuation. Now would you say that you are willing to take on very high risk just high risk, moderate, or a small amount of risk for your superannuation?\n\nChannel 1: Probably moderate.\n\nChannel 0: Moderate?\n\nChannel 1: Moderate?\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: And when it comes to fluctuations\n\nChannel 1: Do you want to try\n\nChannel 0: in\n\nChannel 1: something?\n\nChannel 0: the market as well. So if, for example, you placed an investment, and after six months, you found out that your portfolio has decreased in value by 20%\n\nChannel 1: Mhmm.\n\nChannel 0: due\n\nChannel 1: Yeah.\n\nChannel 0: to general trends in the market. So not like one particular investment\n\nChannel 1: That's\n\nChannel 0: that's\n\nChannel 1: launching.\n\nChannel 0: going on. It's like the\n\nChannel 1: Hello\n\nChannel 0: market\n\nChannel 1: there.\n\nChannel 0: as off.\n\nChannel 1: I'm on the.\n\nChannel 0: Would you,\n\nChannel 1: I want to just\n\nChannel 0: if you\n\nChannel 1: watch\n\nChannel 0: had\n\nChannel 1: this.\n\nChannel 0: the option to\n\nChannel 1: Do you\n\nChannel 0: do\n\nChannel 1: want\n\nChannel 0: so,\n\nChannel 1: speech too?\n\nChannel 0: think that now is potentially a good time to invest\n\nChannel 1: I\n\nChannel 0: a little\n\nChannel 1: like\n\nChannel 0: bit\n\nChannel 1: speech\n\nChannel 0: more while\n\nChannel 1: too.\n\nChannel 0: the prices are down, or would you kind\n\nChannel 1: Sorry.\n\nChannel 0: of be a bit neutral?\n\nChannel 1: Probably neutral.\n\nChannel 0: Yeah. Neutral? Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Now, otherwise, when it comes to fluctuations, so superannuation or any investments, if they temporarily fell in value, would you\n\nChannel 1: Yep.\n\nChannel 0: say that you would feel, you know, positive about potential investment opportunities in the future because of it? Or, again, kind of a bit neutral, not making further investment, concerned, or very anxious.\n\nChannel 1: Probably, nature at the moment.\n\nChannel 0: Neutral.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: And last thing is when it comes to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: Yeah. That's a possibility. Yeah.\n\nChannel 0: Possibility. Yep. Perfect. Now, James, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in, which is good. Do you remember what it means to be a growth investor at all?\n\nChannel 1: Yeah. I vaguely remember. Yes.\n\nChannel 0: Vaguely?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So, essentially, just a quick recap, it it means that you are looking at getting as much growth as you can out of your super.\n\nChannel 1: Yep.\n\nChannel 0: Also, that you understand that there in the short term, there will be a little bit of ups and downs and market fluctuations because your focus is to grow that super as much as possible. And\n\nChannel 1: Yep.\n\nChannel 0: when it comes to how it's invested, it's about 80% in those growth assets, which is like a combination of Australian shares, international shares, shares, and\n\nChannel 1: Yeah.\n\nChannel 0: properties as well. And then you do have about 20% in defensive, like your cash, your gold, your fixed interest limit fluctuations a little bit. And when we are looking at a time frame, we wanna make sure you have at least six years until retirement ideally for those fluctuations to come back around, which you certainly do. So\n\nChannel 1: Mhmm.\n\nChannel 0: are you\n\nChannel 1: Yeah.\n\nChannel 0: still comfortable with that level of risk gain and\n\nChannel 1: Yes.\n\nChannel 0: the the risk profile? Yep. Perfect.\n\nChannel 1: Yeah. Y'all do.\n\nChannel 0: Now do you have access to\n\nChannel 1: I\n\nChannel 0: your emails, or are you kind of on the go a little bit right now?\n\nChannel 1: have access to my email at the moment. Yeah.\n\nChannel 0: Okay. Beautiful. Because what I have done is I have just sent you an email with some documents to go through quickly with you if you are able\n\nChannel 1: Yep.\n\nChannel 0: to access that for me.\n\nChannel 1: Yeah. Yep. I'm still on to my I'm fine, I believe.\n\nChannel 0: Yep. Sure. Just let me know if that came through. Okay?\n\nChannel 1: Is that the one where it just says sign document? Mhmm.\n\nChannel 0: Yes. So what\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: I'll\n\nChannel 0: will\n\nChannel 1: just go on.\n\nChannel 0: yeah. So what it will do, it will actually allow you to open up and look at everything first before it\n\nChannel 1: Yeah.\n\nChannel 0: prompts you to sign anything just to make sure, obviously, you are happy with everything. And then let me know what the first document is that you can see on your end.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry. Let me know if you can see a super and insurance summary.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. You can see\n\nChannel 1: I just\n\nChannel 0: that one okay?\n\nChannel 1: saw him. Yeah. I've I've saw I'm just signing the documents as we speak.\n\nChannel 0: Okay. No. That's okay. I'll just kind of run through what the documents are as well just so that you obviously\n\nChannel 1: Yeah.\n\nChannel 0: know what you are signing, that you're happy. You have access to these documents as well to go through and have a look at them whenever you want to. If you have any, you know, issues accessing them, just let me know because I can always send you a call to keep everything\n\nChannel 1: Yeah.\n\nChannel 0: on file for you.\n\nChannel 1: Yeah. A\n\nChannel 0: Now\n\nChannel 1: 100%.\n\nChannel 0: with\n\nChannel 1: Can I\n\nChannel 0: your\n\nChannel 1: borrow, please?\n\nChannel 0: superannuation as well, so you\n\nChannel 1: Yeah.\n\nChannel 0: can see here your current super balance. You obviously have your super in hub 24. Last time we did your under review, your super balance was at 67,348, and it's now up at 86,018, which is pretty good given, obviously, the turbulence and everything we have had in the market in the last twelve months. Obviously, with everything going on in The US and then, obviously, with the water, everything like that, we have seen a bit of fluctuation. So obviously, been a little bit of turbulence in that market, but it's still going up for you, which is great.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Now\n\nChannel 1: Yeah. It\n\nChannel 0: underneath\n\nChannel 1: called.\n\nChannel 0: that, you can then see your insurances. So\n\nChannel 1: Yeah.\n\nChannel 0: with your insurances, you have life and total permanent disability insurance. You have your insurances with Clearview. Now you have $276,437 worth of life and PPD.\n\nChannel 1: Yeah.\n\nChannel 0: Now you said you had a couple of questions in regards to your insurances.\n\nChannel 1: Not really. No. Not\n\nChannel 0: Okay.\n\nChannel 1: at the moment.\n\nChannel 0: Just wanted to know what it was.\n\nChannel 1: Yeah. I just wanted\n\nChannel 0: Yep.\n\nChannel 1: to know\n\nChannel 0: Yep.\n\nChannel 1: what it was. Yeah.\n\nChannel 0: Okay. Yep. So, yeah, you do have pretty good cover there, life and PPD. Now\n\nChannel 1: Yep.\n\nChannel 0: you also have income protection that will pay you a monthly amount of $3,925 per month if something were to happen, a thirty day waiting period, and a two year benefit period. All three is paid from within super, so you don't pay for anything out of pocket, and the total premium is 982 and 78¢.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep.\n\nChannel 1: That's alright.\n\nChannel 0: Yeah. Now if you can go to the next document for me, if you still have access,\n\nChannel 1: Yeah.\n\nChannel 0: it will show you your hub twenty four portfolio report. Now\n\nChannel 1: Yeah.\n\nChannel 0: this one here might be a little bit tricky on the phone sometimes to see it, but, basically, it shows you all your investments in the last twelve months and how they have performed.\n\nChannel 1: Yeah.\n\nChannel 0: Now if you have a look at it here, you can see kind of like I touched on. We have had a bit of turbulence in the market in the last twelve months. But in saying that,\n\nChannel 1: Yep.\n\nChannel 0: though, despite that and despite, obviously, after fees\n\nChannel 1: Yep.\n\nChannel 0: and everything, overall, your portfolio has still gone up by 6.70%, which is\n\nChannel 1: Okay.\n\nChannel 0: pretty good given the market condition. What\n\nChannel 1: Yeah.\n\nChannel 0: I would like to speak to you about, though, is potentially changing one of them. Now if you wanna look, if you can see the second column to the right where it says internal rate of return. Can you see that?\n\nChannel 1: Yeah. Yeah. Yeah. I can\n\nChannel 0: Yeah.\n\nChannel 1: say that.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So the first one you can see in brackets is the one I wanna look at changing is because that one is down at the moment and underperforming a little bit, which is your\n\nChannel 1: Yeah.\n\nChannel 0: Benelong Australian equity. You can see all the others are positive and doing really well.\n\nChannel 1: Yeah.\n\nChannel 0: Now with the Benelon, the reason we do wanna change it, like I said, is because it is underperforming a little bit at the moment, and we also wanna be proactive with your investment. So if we foresee one investment underperforming a little bit or not performing as much as we'd like and we find better alternative options, we wanna look at, obviously, changing that for you, making sure that we can focus on growing your super as much as possible. Does that make\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: Okay. Yeah. That makes sense.\n\nChannel 0: Yeah. Yeah. Beautiful. So the investment committee have done a lot of research on the investments through trying to see what an alternative could be. And because we are looking at changing your Australian investments, we're trying to find something that was another kind of similar investment that was focusing on the Australian market because we do wanna make sure we keep everything very diversified for you.\n\nBut we don't want, obviously, everything in The US or you know, we wanna make sure we keep things diversified. So one that they did find that was a little bit cheaper because it's not\n\nChannel 1: Yeah.\n\nChannel 0: the same kind of active component is your beta shares a 200. Have you ever heard of that, James?\n\nChannel 1: I've heard bits and pieces about it. Yeah.\n\nChannel 0: Yeah. Well, basically, what it is is it invests\n\nChannel 1: Oh, boy.\n\nChannel 0: in the 200 largest companies listed in Australia. So, obviously, very\n\nChannel 1: Yep.\n\nChannel 0: diversified. You will be invested in 200 different companies. You will have, obviously, like, the banks, Woolworths, BHP, and that's all the big companies. They're very diversified. Now it is a little bit cheaper because you are also, like, kind of tracking those 200 largest companies.\n\nSo as a company kind of grows and gets bigger, it gets added, and then something smaller kind of falls out, which is a little bit different through the Bennelong investment where they are kind of trying to actively buy and sell different investments in order to try\n\nChannel 1: Yeah.\n\nChannel 0: to outperform the market.\n\nChannel 1: Okay.\n\nChannel 0: Does that make sense?\n\nChannel 1: Mhmm. Yeah. It makes sense.\n\nChannel 0: Yeah. Yeah. So, basically, overall, it's a little bit cheaper for you, but it also has performed a little bit better, but still\n\nChannel 1: Yeah.\n\nChannel 0: making sure we keep your portfolio aligned with that growth portfolio and diversified for you. If you are happy with with it, I can make that change for you. If that is something\n\nChannel 1: Yeah.\n\nChannel 0: that you're happy for us to go ahead and make to make sure we\n\nChannel 1: Yeah.\n\nChannel 0: obviously\n\nChannel 1: Yes.\n\nChannel 0: have the best option.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yes, please.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: What I will do just for your reference, just so you have it, you don't have to sign it. But what I will do is in the next couple of days, I will send you something that's called a record of advice. Basically, what it is, it is just showing you the investment change that we're swapping Ben along for the the a 200. You don't need to sign it, but it's just there in a record for you so that you have it just\n\nChannel 1: Yep.\n\nChannel 0: for your record. Does that make sense?\n\nChannel 1: Yeah. That makes sense.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: I'm almost finished, James, but the next couple of documents you will see is a certificate of currency,\n\nChannel 1: Yep.\n\nChannel 0: which basically breaks down those insurances again in a bit more detail. So if you ever wanna go back and have a look at it, that's all there for you. You will also have another OQ services guide. You would have seen\n\nChannel 1: Yeah.\n\nChannel 0: this one before. It's one of those compliance documents, but it does give you all the important information regarding us here at OQ. None of the important\n\nChannel 1: Yeah.\n\nChannel 0: information has changed, but we've had a bit of an update to marketing, which is good, and a bit of an extension to the team, which is nice. So if you do ever go back and have a look at it, you\n\nChannel 1: Yeah.\n\nChannel 0: will find myself there on page 10 again if you do wanna put a face to the voice.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. Perfect. Now the two documents that you did sign as well, just so obviously you know what those were, one was a\n\nChannel 1: Mhmm.\n\nChannel 0: tax phone number opt in form, which was just true to say that we are keeping a tax phone number secure and safe on file.\n\nChannel 1: Yep. Yes.\n\nChannel 0: And the other one was just your usual ongoing service agreement. That is just to say that, obviously, you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from super, so it's not increasing at all, which is good.\n\nChannel 1: Yes.\n\nChannel 0: And, again, it\n\nChannel 1: Okay.\n\nChannel 0: is not a lock in contract. So if at any point in time you are not happy, not a lock in contract. But otherwise, by by signing that, it allows us to manage all your investments and insurances and everything for you in the meantime.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Do you have\n\nChannel 1: No\n\nChannel 0: any questions in regards to any\n\nChannel 1: worries.\n\nChannel 0: of that, James, or is that pretty\n\nChannel 1: No.\n\nChannel 0: straightforward?\n\nChannel 1: No. It's\n\nChannel 0: Yep.\n\nChannel 1: pretty straightforward. Yep.\n\nChannel 0: Yep. Beautiful. So, basically, from here, I will send you that record of advice in the next couple of days. I will also get my colleague, Whitlam, to draft that letter for you to start the salary sacrifice of that $100\n\nChannel 1: Yep.\n\nChannel 0: per fortnight. You just\n\nChannel 1: Yep.\n\nChannel 0: pass it on to your employer. We'll keep a lookout for those contributions, and you should see as well that kind of compounding and growing your super a bit quicker, which is great.\n\nChannel 1: Yep.\n\nChannel 0: I will also get my colleague through repost those beneficiary forms so that you do have it handy when you do kind of decide who you would like to nominate.\n\nChannel 1: Yeah. No. All good.\n\nChannel 0: Yeah. Perfect. But do you have any other questions for me at this point otherwise, James?\n\nChannel 1: No. Not at the moment.\n\nChannel 0: No?\n\nChannel 1: Not at all.\n\nChannel 0: Okay.\n\nChannel 1: No.\n\nChannel 0: Beautiful. If if you do think of anything, just give me a call or send me an email. Always happy to book you in for a bit of a catch up if you do ever need anything.\n\nChannel 1: Yeah. Will do.\n\nChannel 0: Yep.\n\nChannel 1: Appreciate that.\n\nChannel 0: No problem at all. It was lovely speaking\n\nChannel 1: Nice.\n\nChannel 0: with you, James,\n\nChannel 1: You\n\nChannel 0: and\n\nChannel 1: too.\n\nChannel 0: I hope you enjoy the rest of your afternoon.\n\nChannel 1: You too. Thank you. Appreciate it.\n\nChannel 0: Hello.\n\nChannel 1: Cheers.\n\nChannel 0: Speaking.\n\nChannel 1: Thanks.\n\nChannel 0: Bye.\n\nChannel 1: Bye bye. 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able","start":1137.145,"end":1143.72,"sentiment":"neutral","sentiment_score":0.16858268357240236}],"sentiment":"neutral","sentiment_score":0.1662708411791495,"channel":0,"num_words":28,"start":1135.8651,"end":1143.72},{"sentences":[{"text":"Yep.","start":1143.63,"end":1144.13,"sentiment":"neutral","sentiment_score":0.12277370691299438}],"sentiment":"neutral","sentiment_score":0.12277370691299438,"channel":1,"num_words":1,"start":1143.63,"end":1144.13},{"sentences":[{"text":"to access that for me.","start":1143.72,"end":1145.1799,"sentiment":"neutral","sentiment_score":0.13722323924303054}],"sentiment":"neutral","sentiment_score":0.13722323924303054,"channel":0,"num_words":5,"start":1143.72,"end":1145.1799},{"sentences":[{"text":"Yeah.","start":1145.71,"end":1145.95,"sentiment":"neutral","sentiment_score":0.1609736979007721},{"text":"Yep.","start":1145.95,"end":1146.19,"sentiment":"neutral","sentiment_score":0.18819203972816467},{"text":"I'm still on to my I'm fine, I 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performed.","start":1366.73,"end":1377.87,"sentiment":"neutral","sentiment_score":0.07321017569697955}],"sentiment":"neutral","sentiment_score":0.07321017569697955,"channel":0,"num_words":34,"start":1366.73,"end":1377.87},{"sentences":[{"text":"Yeah.","start":1379.095,"end":1379.595,"sentiment":"neutral","sentiment_score":0.0743769109249115}],"sentiment":"neutral","sentiment_score":0.0743769109249115,"channel":1,"num_words":1,"start":1379.095,"end":1379.595},{"sentences":[{"text":"Now if you have a look at it here, you can see kind of like I touched on.","start":1379.205,"end":1384.725,"sentiment":"neutral","sentiment_score":0.023068049922585487},{"text":"We have had a bit of turbulence in the market in the last twelve months.","start":1384.725,"end":1388.105,"sentiment":"neutral","sentiment_score":-0.187459397315979},{"text":"But in saying 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speaking","start":1787.25,"end":1788.2101,"sentiment":"positive","sentiment_score":0.7815785557031631}],"sentiment":"positive","sentiment_score":0.6663814820349216,"channel":0,"num_words":8,"start":1786.4501,"end":1788.2101},{"sentences":[{"text":"Nice.","start":1787.995,"end":1788.495,"sentiment":"positive","sentiment_score":0.73134446144104}],"sentiment":"positive","sentiment_score":0.73134446144104,"channel":1,"num_words":1,"start":1787.995,"end":1788.495},{"sentences":[{"text":"with you, James,","start":1788.2101,"end":1788.8501,"sentiment":"positive","sentiment_score":0.6209354400634766}],"sentiment":"positive","sentiment_score":0.6209354400634766,"channel":0,"num_words":3,"start":1788.2101,"end":1788.8501},{"sentences":[{"text":"You","start":1788.7949,"end":1789.0349,"sentiment":"positive","sentiment_score":0.62038254737854}],"sentiment":"positive","sentiment_score":0.62038254737854,"channel":1,"num_words":1,"start":1788.7949,"end":1789.0349},{"sentences":[{"text":"and","start":1788.8501,"end":1789.0901,"sentiment":"positive","sentiment_score":0.5968710780143738}],"sentiment":"positive","sentiment_score":0.5968710780143738,"channel":0,"num_words":1,"start":1788.8501,"end":1789.0901},{"sentences":[{"text":"too.","start":1789.0349,"end":1789.5349,"sentiment":"positive","sentiment_score":0.6481082439422607}],"sentiment":"positive","sentiment_score":0.6481082439422607,"channel":1,"num_words":1,"start":1789.0349,"end":1789.5349},{"sentences":[{"text":"I hope you enjoy the rest of your afternoon.","start":1789.0901,"end":1791.03,"sentiment":"positive","sentiment_score":0.7591668963432312}],"sentiment":"positive","sentiment_score":0.7591668963432312,"channel":0,"num_words":9,"start":1789.0901,"end":1791.03},{"sentences":[{"text":"You too.","start":1791.3489,"end":1791.8289,"sentiment":"positive","sentiment_score":0.49506065249443054},{"text":"Thank you.","start":1791.8289,"end":1792.4689,"sentiment":"positive","sentiment_score":0.6861000061035156},{"text":"Appreciate it.","start":1792.4689,"end":1793.3689,"sentiment":"positive","sentiment_score":0.6272373795509338}],"sentiment":"positive","sentiment_score":0.6027993460496267,"channel":1,"num_words":6,"start":1791.3489,"end":1793.3689},{"sentences":[{"text":"Hello.","start":1793.139,"end":1793.639,"sentiment":"neutral","sentiment_score":0.3127408027648926}],"sentiment":"neutral","sentiment_score":0.3127408027648926,"channel":0,"num_words":1,"start":1793.139,"end":1793.639},{"sentences":[{"text":"Cheers.","start":1793.7489,"end":1794.2489,"sentiment":"positive","sentiment_score":0.435166448354721}],"sentiment":"positive","sentiment_score":0.435166448354721,"channel":1,"num_words":1,"start":1793.7489,"end":1794.2489},{"sentences":[{"text":"Speaking.","start":1794.019,"end":1794.519,"sentiment":"neutral","sentiment_score":0.1865390837192535}],"sentiment":"neutral","sentiment_score":0.1865390837192535,"channel":0,"num_words":1,"start":1794.019,"end":1794.519},{"sentences":[{"text":"Thanks.","start":1794.4689,"end":1794.9689,"sentiment":"positive","sentiment_score":0.3740138411521912}],"sentiment":"positive","sentiment_score":0.3740138411521912,"channel":1,"num_words":1,"start":1794.4689,"end":1794.9689},{"sentences":[{"text":"Bye.","start":1794.979,"end":1795.479,"sentiment":"neutral","sentiment_score":0.2250821590423584}],"sentiment":"neutral","sentiment_score":0.2250821590423584,"channel":0,"num_words":1,"start":1794.979,"end":1795.479},{"sentences":[{"text":"Bye bye.","start":1795.1888,"end":1796.0089,"sentiment":"neutral","sentiment_score":0.15352969616651535},{"text":"Bye.","start":1796.1488,"end":1796.6488,"sentiment":"neutral","sentiment_score":0.08996902406215668}],"sentiment":"neutral","sentiment_score":0.13234280546506247,"channel":1,"num_words":3,"start":1795.1888,"end":1796.6488}]},"summary":{"result":"success","short":"James wants to boost his insurance coverage and boost his income through his salary sacrifice. He is advised to go directly to his employer to do this and to use his employer to contribute to his retirement savings program. The speaker emphasizes the importance of not exceeding retirement savings thresholds and offers to draft a letter for James. They also discuss James's risk tolerance and investment opportunities, and the agent suggests changing his investment portfolio to diversify his portfolio and reduce risk. The agent will send a record of advice and a certificate of currency to James, and a colleague will draft his salary sacrifice and keep a lookout for contributions."},"intents":{"segments":[{"text":"Good afternoon, James. This is Veronica. How are you? Yeah.","start_word":3,"end_word":12,"intents":[{"intent":"Confirm understanding","confidence_score":0.012205278}]},{"text":"Do you And still do have I? a bit of time to go over the under review with me now? Yeah. Yeah. Yeah.","start_word":59,"end_word":81,"intents":[{"intent":"Discuss review","confidence_score":0.08829053},{"intent":"Confirm availability","confidence_score":0.008415579}]},{"text":"Now before I kind of jump into things, I do like to start by asking if there is anything specific you're hoping to get out of the review today or any particular questions you might have or just a bit I of an update just wanna make and sure kind that of I'm, the like, super and everything's still alright Mhmm.","start_word":93,"end_word":153,"intents":[{"intent":"Discuss questions","confidence_score":0.012530588}]},{"text":"to go through just a quick after the fact find just to see if there is anything major that has changed in your life, if we also Yep. need to take that into consideration if we need to make any changes. Yes.","start_word":242,"end_word":283,"intents":[{"intent":"Take into consideration","confidence_score":0.0023992264}]},{"text":"when it comes to your personal information, I have you down here single with the one financial dependent. Is that correct? What was the last one?","start_word":299,"end_word":324,"intents":[{"intent":"Discuss personal information","confidence_score":0.2700789}]},{"text":"Occupation wise, are you still working as a security guard, or has that changed? Yeah. Yeah.","start_word":383,"end_word":398,"intents":[{"intent":"Confirm employment status","confidence_score":0.07602274},{"intent":"Check work status","confidence_score":0.0001540393}]},{"text":"Occupation wise, are you still working as a security guard, or has that changed? Yeah. Yeah. I'm still working as a hospital security guard at Ramsey Healthcare. Perfect.","start_word":383,"end_word":410,"intents":[{"intent":"Get job status","confidence_score":0.000004475485}]},{"text":"Occupation wise, are you still working as a security guard, or has that changed? Yeah. Yeah. I'm still working as a hospital security guard at Ramsey Healthcare. Perfect. And is that still with Millennium Security or with a different contractor? No.","start_word":383,"end_word":423,"intents":[{"intent":"Verify job type","confidence_score":0.0002433995}]},{"text":"Occupation wise, are you still working as a security guard, or has that changed? Yeah. Yeah. I'm still working as a hospital security guard at Ramsey Healthcare. Perfect. And is that still with Millennium Security or with a different contractor? No. No.","start_word":383,"end_word":424,"intents":[{"intent":"Confirm job details","confidence_score":0.0014377016}]},{"text":"And when did you start I've been there? I've been there for about two and a half years, so Hi. I've started on the I'll quickly have a look for you when my start date was so you can know. Mhmm. Yeah.","start_word":439,"end_word":480,"intents":[{"intent":"Discuss start date","confidence_score":0.0015060707}]},{"text":"Now income wise, that may have changed. Do you know roughly what your income is? I think when I did my tax last year, it was at 98,500. Oh, perfect.","start_word":564,"end_word":593,"intents":[{"intent":"Report earnings","confidence_score":0.000016201835}]},{"text":"Otherwise, it's No. just that from That your was employer?","start_word":653,"end_word":662,"intents":[{"intent":"Clarify employer's role","confidence_score":0.0003626405}]},{"text":"I was gonna do the everything is that the salary sacrifice where, Yep. obviously, yeah, money goes in for more for my super. Yep.","start_word":671,"end_word":694,"intents":[{"intent":"Clarify salary sacrifice","confidence_score":0.0068487343},{"intent":"Discuss salary sacrifice","confidence_score":0.15527806}]},{"text":"I was gonna do the everything is that the salary sacrifice where, Yep. obviously, yeah, money goes in for more for my super. Yep. Yep. Perfect. And how much What's are you going thinking? to cost? Maybe, like, a $100 at the moment. Yeah.","start_word":671,"end_word":714,"intents":[{"intent":"Discuss super costs","confidence_score":0.00047098275}]},{"text":"Now I can have a kind of rough figure. So if it is something obviously, it's a great way to boost your super in a very tax effective way. Yep.","start_word":725,"end_word":754,"intents":[{"intent":"Boost super","confidence_score":0.016600437}]},{"text":"Now do you have private health care, James? Yeah. Yeah.","start_word":814,"end_word":823,"intents":[{"intent":"Discuss private health care","confidence_score":0.07808408}]},{"text":"So if your income is about 98,500, Yes. after tax, that's about Is that 70 correct? 6,460. Yep.","start_word":836,"end_word":853,"intents":[{"intent":"Discuss income savings","confidence_score":0.009595714}]},{"text":"So aside from, obviously, all the Yeah. benefits with compounding to superannuation and growing it, it will save you a net tax of about $442, which is pretty good. Yeah.","start_word":1002,"end_word":1031,"intents":[{"intent":"Discuss retirement benefits","confidence_score":0.061677463}]},{"text":"That's something that you would like to look at doing with your employer? Yeah. Yeah.","start_word":1106,"end_word":1120,"intents":[{"intent":"Share employer information","confidence_score":0.000032564876}]},{"text":"You can either go directly to your employer and tell Yep. them that you want to do it, or I can get the team to draft a letter to say that you would like to start doing a $100 per fortnight that you forward on to the employer. It's up to you. Yeah.","start_word":1131,"end_word":1183,"intents":[{"intent":"Draft letter","confidence_score":0.069250606},{"intent":"Communicate with employer","confidence_score":0.006972656}]},{"text":"with our sacrifice as well, it's something that you can always adjust. So if your Yep. situation change and you go, no. I have to stop for a bit, whatever it might be, it's Yeah. not like you're locked in. So you can tell your employer whenever you want to if you need to stop it. So you can just tell Okay.","start_word":1286,"end_word":1347,"intents":[{"intent":"Adjust situation","confidence_score":0.04847996}]},{"text":"Well, I will get the team to draft that letter for you Yep. and send it through. If you have any questions Yeah.","start_word":1601,"end_word":1623,"intents":[{"intent":"Make recommendations","confidence_score":0.00090169196}]},{"text":"Now, otherwise, when it comes to assets and liabilities, I have here that you have a motor vehicle ride at about 65,000. Is that still the case? Sorry.","start_word":1723,"end_word":1750,"intents":[{"intent":"Asking about insurance coverage","confidence_score":0.0035292448}]},{"text":"That you have a motor vehicle, like a car, valued at about 65,000? You still Yeah.","start_word":1760,"end_word":1775,"intents":[{"intent":"Confirming vehicle value","confidence_score":0.00063793967},{"intent":"Providing car value","confidence_score":0.00007333169}]},{"text":"And any other, like, liabilities, personal loans, credit cards, ZipPay? No. No.","start_word":1826,"end_word":1837,"intents":[{"intent":"Discussing personal finances","confidence_score":0.00050254073}]},{"text":"your health and You lifestyle, want anything else, please? Yes.","start_word":1847,"end_word":1856,"intents":[{"intent":"Inquiring about health and wellness","confidence_score":0.0016992969}]},{"text":"And when it comes to estate planning, do you have a will or power of attorney in place? Not at this current point.","start_word":1907,"end_word":1929,"intents":[{"intent":"Discussing estate planning","confidence_score":0.020035913}]},{"text":"And when it comes to your super and your insurances, I can see here that we don't currently have a a nomination on file for you. So that is if Yeah. something ever were to happen to you, someone Oh, that you would like to nominate for it. Do you have someone in mind, it's or did very you difficult. receive those letters in the post by any chance? Not at the moment.","start_word":1936,"end_word":2008,"intents":[{"intent":"Expressing uncertainty about nomination process","confidence_score":0.0027025342}]},{"text":"Now just so you have those forms, because it is important to have a look at, obviously, when you have a moment. So there's not someone else coming and trying to make a claim for anything if something ever were to happen to you. Do you Yes.","start_word":2178,"end_word":2224,"intents":[{"intent":"Inform about forms","confidence_score":0.0042398022}]},{"text":"Otherwise, when it comes to, I guess, goals for staff that are working towards or that you are wanting to achieve during the annual review review. Yeah?","start_word":2367,"end_word":2393,"intents":[{"intent":"Discuss goals for staff","confidence_score":0.09332871}]},{"text":"Trying to, you know, focus on that, which, obviously, the salary sacrifice will help, which Yeah.","start_word":2440,"end_word":2455,"intents":[{"intent":"Focus on salary sacrifice","confidence_score":0.22636187}]},{"text":"So what I want to quickly go through with you next, James, is just a bit of a risk profile questionnaire. You may remember from last time, it is pretty straightforward. Just a couple of multiple choice questions, and that is just to see if your risk tolerance has Yeah. changed.","start_word":2465,"end_word":2515,"intents":[{"intent":"Ask about risk profile questionnaire","confidence_score":0.066975005}]},{"text":"And when it comes through how much risk you are willing to take for your superannuation. Now would you say that you are willing to take on very high risk just high risk, moderate, or a small amount of risk for your superannuation? Probably moderate. Moderate?","start_word":2545,"end_word":2590,"intents":[{"intent":"Discuss options for investing","confidence_score":0.00014261891}]},{"text":"the prices are down, or would you kind Sorry.","start_word":2706,"end_word":2714,"intents":[{"intent":"Ask for price preferences","confidence_score":0.0000017456757}]},{"text":"Because what I have done is I have just sent you an email with some documents to go through quickly with you if you are able Yep. to access that for me. Yeah.","start_word":3080,"end_word":3112,"intents":[{"intent":"Access documents","confidence_score":0.8897009},{"intent":"Access documents","confidence_score":0.88043636}]},{"text":"Is that the one where it just says sign document? Mhmm. Yes.","start_word":3133,"end_word":3144,"intents":[{"intent":"Check documents","confidence_score":0.09433125}]},{"text":"I'll just kind of run through what the documents are as well just so that you obviously Yeah.","start_word":3250,"end_word":3267,"intents":[{"intent":"Run through documents","confidence_score":0.11374773}]},{"text":"on file for you.","start_word":3322,"end_word":3325,"intents":[{"intent":"Keep documents","confidence_score":0.009217654}]},{"text":"with Can your I borrow, please?","start_word":3330,"end_word":3335,"intents":[{"intent":"Loan documents","confidence_score":0.03581608}]},{"text":"with your insurances, you have life and total permanent disability insurance. You have your insurances with Clearview. Now you have $276,437 worth of life and PPD. Yeah.","start_word":3459,"end_word":3485,"intents":[{"intent":"Compare insurance coverage","confidence_score":0.002453639}]},{"text":"So the first one you can see in brackets is the one I wanna look at changing is because that one is down at the moment and underperforming a little bit, which is your Yeah.","start_word":3790,"end_word":3824,"intents":[{"intent":"Change investment strategy","confidence_score":0.32188392}]},{"text":"If you are happy with with it, I can make that change for you. If that is something Yeah.","start_word":4232,"end_word":4250,"intents":[{"intent":"Create investment plan","confidence_score":0.001893788}]},{"text":"Do you have No any questions in regards to any worries. of that, James, or is that pretty No. straightforward?","start_word":4693,"end_word":4712,"intents":[{"intent":"Initiate discussion","confidence_score":0.00023981956}]},{"text":"Always happy to book you in for a bit of a catch up if you do ever need anything. Yeah. Will do.","start_word":4879,"end_word":4900,"intents":[{"intent":"Book a catch up","confidence_score":0.007114811}]},{"text":"Bye bye. Bye.","start_word":4939,"end_word":4941,"intents":[{"intent":"End conversation","confidence_score":0.16208543}]}]},"sentiments":{"segments":[{"text":"You going? Confused. Good afternoon, James. This is Veronica. How are you? Yeah. Good. Yourself? Yeah.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.13790082931518555},{"text":"I'm good. Thanks. Good. It's good.","start_word":16,"end_word":21,"sentiment":"positive","sentiment_score":0.4929969906806946},{"text":"I'm sorry No. I missed your call before. All good. Thanks for calling me I back. do got two That's alright. Sorry. I was driving at the time when you when you called me. No. All good. Do you And still do have I? a bit of time to go over the under review with me now? Yeah. Yeah. Yeah. That's fine. Yeah. Yes. I'm free at the moment. Okay.","start_word":22,"end_word":91,"sentiment":"neutral","sentiment_score":0.06796593964099884},{"text":"Perfect.","start_word":92,"end_word":92,"sentiment":"positive","sentiment_score":0.3645001351833343},{"text":"Now before I kind of jump into things, I do like to start by asking if there is anything specific you're hoping to get out of the review today or any particular questions you might have or just a bit I of an update just wanna make and sure kind that of I'm, the like, super and everything's still alright Mhmm. because, obviously, we've had a big fluctuation, I suppose, since Yeah. Jim Chalmers did his, like, you know, Mhmm. budget. So Yeah. The and last I just twelve wanna months. make sure, like, Yeah. that I'm getting, like, the right super and for my insurance as well. Yep. Yep. Yep. Oh, Perfect. see that. We can definitely go through all of that today. Now what I will go through quickly with you first before I kind of jump in through your super and your insurances is just Yes. to go through just a quick after the fact find just to see if there is anything major that has changed in your life, if we also Yep. need to take that into consideration if we need to make any changes. Yes. Kind of bear with me as I go through this information here, James. Now Yes. when it comes to your personal information, I have you down here single with the one financial dependent. Is that correct? What was the last one? Sorry. The last part. With one financial dependent with with a Yeah. daughter? Yeah. Yeah. Yep. That's Yep. correct. Yep. Yep. Perfect. And next up, 10. So in the event something ever were to happen to you, I have your your mom, Leanne, nominated. That's still the case as well? Yeah. That's still the case. Yep. Yep. Perfect. Occupation wise, are you still working as a security guard, or has that changed? Yeah. Yeah. I'm still working as a hospital security guard at Ramsey Healthcare. Perfect. And is that still with Millennium Security or with a different contractor? No. No. No. No. So I'm in house directly with Ramsay Healthcare at Greenslopes. Okay. Perfect. And when did you start I've been there? I've been there for about two and a half years, so Hi. I've started on the I'll quickly have a look for you when my start date was so you can know. Mhmm. Yeah.","start_word":93,"end_word":480,"sentiment":"neutral","sentiment_score":0.03279293693371655},{"text":"That'd be great.","start_word":481,"end_word":483,"sentiment":"positive","sentiment_score":0.343784898519516},{"text":"Just give me two seconds. Yeah. Sure. So I started on the thirty first of the first 2024. Okay.","start_word":484,"end_word":502,"sentiment":"neutral","sentiment_score":0.10840100795030594},{"text":"Beautiful.","start_word":503,"end_word":503,"sentiment":"positive","sentiment_score":0.4524622857570648},{"text":"And enjoying And it it so far? yeah. Yeah. Yeah. Definitely. Yeah. It's a lot Yeah. better being in house than contracted. Yeah. I can imagine. And still unarmed, or do you have to wear Yeah. a weapon Yeah. Yeah. Still unarmed. still armed off? Okay. Yeah. Yep. Perfect. And working part time or full time? No. Full time. Beautiful. Now income wise, that may have changed. Do you know roughly what your income is? I think when I did my tax last year, it was at 98,500. Oh, perfect. $98.05 Yeah. 100. And they just pay you that standard 12% contribution into super? Like, there's It's no for EBA fortnightly still. fortnightly. Yep. No. Yep. That's all good. And you get paid fortnightly as well? Yeah. Yeah. Fortnightly. Yep. Yep. Right. And Is this you are all not of making that? additional contributions That is to fine? Super. Otherwise, it's No. just that from That your was employer? what I was gonna talk to you about. I was gonna do the everything is that the salary sacrifice where, Yep. obviously, yeah, money goes in for more for my super. Yep. Yep.","start_word":504,"end_word":695,"sentiment":"neutral","sentiment_score":0.012357802228507351},{"text":"Perfect.","start_word":696,"end_word":696,"sentiment":"positive","sentiment_score":0.5245203971862793},{"text":"And how much What's are you going thinking? to cost? Maybe, like, a $100 at the moment. Yeah. And that will be per fortnight? Yes. Yep. Yeah.","start_word":697,"end_word":723,"sentiment":"neutral","sentiment_score":0.07358357310295105},{"text":"Perfect. Now I can have a kind of rough figure. So if it is something obviously, it's a great way to boost your super in a very tax effective way. Yep. And, obviously, because you still have plenty of time until retirement, it will obviously compound and grow for you, which is great.","start_word":724,"end_word":776,"sentiment":"positive","sentiment_score":0.5569595098495483},{"text":"The the biggest thing to be mindful of is obviously your your take home pay, making sure Yep. that obviously you have enough to cover bills and expenses. So Yeah. if Yeah. Of course. it's in there. Now do you have private health care, James? Yeah. Yeah. I do. I'm with Yep. Medibank Private. Okay.","start_word":777,"end_word":831,"sentiment":"neutral","sentiment_score":0.09689714014530182},{"text":"Beautiful.","start_word":832,"end_word":832,"sentiment":"positive","sentiment_score":0.3608193099498749},{"text":"Let me see. So if your income is about 98,500, Yes. after tax, that's about Is that 70 correct? 6,460. Yep. Now if we salary sacrifice a $100 a fortnight, that reduces your yearly Yes. income to about 74,692. So Yes. that is a difference, let's see here, Pretty cool of about watching you. 1,768. Would that be Yeah. like, that will be okay cash flow wise for you? Yeah. Yeah. Yeah. Of course. Yeah. Sweet. And what it will do as well is, obviously, because contributions going into superannuation is Yep. taxed at 15%, which is obviously kind of where the tax saving comes in. Because on your income at the moment, you are on that 30% tax bracket. That's obviously the Yes. medical Yes. levy.","start_word":833,"end_word":959,"sentiment":"neutral","sentiment_score":0.10160002112388612},{"text":"So you will save a bit of tax, which is great.","start_word":960,"end_word":970,"sentiment":"positive","sentiment_score":0.43470263481140137},{"text":"So Yes. income tax saving will be around 832 for you if you do a $100 a fortnight. But Yep. then, obviously, contributions are taxed in super. So, basically, net savings.","start_word":971,"end_word":1001,"sentiment":"neutral","sentiment_score":0.17152104214314493},{"text":"So aside from, obviously, all the Yeah. benefits with compounding to superannuation and growing it, it will save you a net tax of about $442, which is pretty good.","start_word":1002,"end_word":1030,"sentiment":"positive","sentiment_score":0.572156548500061},{"text":"Yeah. Okay. Yep. Now one thing to obviously be mindful of is that when you do put the money in, it will be locked in until you meet a condition of release. So Yeah. for example, retiring stopped working at 60. So, obviously, be Yep. mindful that it's not money that you need access to anytime soon. Yeah. Okay. Yeah. Are you gonna have Yeah. one?","start_word":1031,"end_word":1096,"sentiment":"neutral","sentiment_score":0.008665531873703003},{"text":"Perfect.","start_word":1097,"end_word":1097,"sentiment":"positive","sentiment_score":0.5078310370445251},{"text":"Yeah. And does that all all sound good? That's something that you would like to look at doing with your employer? Yeah. Yeah. 100 Yes. percent. Yeah. So there is basically two ways. You can either go directly to your employer and tell Yep. them that you want to do it, or I can get the team to draft a letter to say that you would like to start doing a $100 per fortnight that you forward on to the employer. It's up to you. Yeah. What Is would that you is prefer? that okay? Do you guys Yeah. just Of course. email me directly with that, do you? Or Yeah. So what yeah. we can do is we can just draft a letter, Yep. and then all you all you do is just pull it out on through HR or Yep. your employer, and then they would kind of set it up, and we can keep a little lookout on your hub 24 for your superannuation just to make sure that's going in. I Yep. can definitely Excuse get me. the team to do that. Now Yep. with our sacrifice as well, it's something that you can always adjust. So if your Yep. situation change and you go, no. I have to stop for a bit, whatever it might be, it's Yeah. not like you're locked in. So you can tell your employer whenever you want to if you need to stop it. So you can just tell Okay. them directly if if something happens and you were like, no. I actually really need that extra money at the moment. You can just tell Yep. them. You can put more in as well. The only thing I would say, if you do wanna put more in, even just give me a call because I Yep. can just kind of run through the numbers because the one thing I do wanna make sure that you don't exceed is the Yep. the cap base available. So with the new financial Okay. year, it's up to 32,000 Please? 500, and that Yep. also includes what your employer puts in. So Yeah. Yep. your employer puts in if your income is about 98,500, they put in about 11,820, and you Yep. would do about $2.06. So you still have plenty of space. So even if you wanted to, you know, later put I in suppose more, there it'll is just space. lower my taxes, though, why not every time I get paid. Exactly. And that's right. So Yep. the the net tax saving is up per year about $442, which is how it Yeah. is Okay.","start_word":1098,"end_word":1540,"sentiment":"neutral","sentiment_score":0.08035813535208358},{"text":"very effective.","start_word":1541,"end_word":1542,"sentiment":"positive","sentiment_score":0.3848637044429779},{"text":"Yeah. So, yeah, Yep.","start_word":1543,"end_word":1546,"sentiment":"neutral","sentiment_score":0.3210945725440979},{"text":"it's a great Okay.","start_word":1547,"end_word":1550,"sentiment":"positive","sentiment_score":0.4341599643230438},{"text":"way to No. boost super, save on tax, compound for retirement. You Downside is it is locked in until you meet that condition of release. So that's kind of the only thing to know? be mindful Yeah. of. Okay. Alright. No. Yep. That's all good. Yeah. Definitely. Yeah. Yeah.","start_word":1551,"end_word":1599,"sentiment":"neutral","sentiment_score":0.05314553529024124},{"text":"Perfect.","start_word":1600,"end_word":1600,"sentiment":"positive","sentiment_score":0.38528603315353394},{"text":"Well, I will get the team to draft that letter for you Yep. and send it through. If you have any questions Yeah. later or anything, just just let me know. No. No. Not It's really. pretty No. straightforward. Yeah. And I think Yeah. we have spoken about this before. I think we spoke last time your review as well, and we were kind of tossing out. But I think you had a little bit more potential expenses and stuff going on at the time Yeah. Yep. because, you know, yeah, it's something you've been willing to do.","start_word":1601,"end_word":1698,"sentiment":"neutral","sentiment_score":0.014729935675859451},{"text":"So so that's great, especially with the Yeah.","start_word":1699,"end_word":1706,"sentiment":"positive","sentiment_score":0.6203998327255249},{"text":"increase in income and not being the contact anymore, which is Yeah.","start_word":1707,"end_word":1718,"sentiment":"neutral","sentiment_score":0.24096864461898804},{"text":"100%. good. Yeah. Beautiful.","start_word":1719,"end_word":1722,"sentiment":"positive","sentiment_score":0.5349751114845276},{"text":"Now, otherwise, when it comes to assets and liabilities, I have here that you have a motor vehicle ride at about 65,000. Is that still the case? Sorry. Say that it lost part again. Sorry. The what? That you have a motor vehicle, like a car, valued at about 65,000? You still Yeah. have That's that correct. one? Yeah. Yeah. Yep. I do. And you had about 55 owing on it. Does that sound about Yes. right? Yeah. That's correct. Roughly? Yeah. Perfect. Now do you have any other assets, James? Any other savings in the banks, motorbikes, boats? No. No. No. Perfect. And any other, like, liabilities, personal loans, credit cards, ZipPay? No. No. Nope. Not perfect. And when it comes to Yes. your health and You lifestyle, want anything else, please? Yes. are you still a nonsmoker? Yeah. That's correct. Yep. And have you had any changes to your health or any health issues or injuries? Nope. No. And medication, is that just for the diabetes? Nothing No. else? Yes. Yeah. Just That's yep. correct. Perfect. Nothing else Yep. yet. No. Perfect. And when it comes to estate planning, do you have a will or power of attorney in place? Not at this current point. No. Nope. That's all good. Yes. And when it comes to your super and your insurances, I can see here that we don't currently have a a nomination on file for you. So that is if Yeah. something ever were to happen to you, someone Oh, that you would like to nominate for it. Do you have someone in mind, it's or did very you difficult. receive those letters in the post by any chance? Not at the moment. No. No? No. No. That's okay. What I would suggest is obviously have a have a think about it Yep. of who you want just to make sure it goes through the person that you would like it to go to. Now they Yep.","start_word":1723,"end_word":2052,"sentiment":"neutral","sentiment_score":-0.01724847097965804},{"text":"make it pretty Pretty strict cool.","start_word":2053,"end_word":2058,"sentiment":"positive","sentiment_score":0.390260636806488},{"text":"on who you can actually nominate directly through Super. So Okay. it can go directly through a spouse. It can go directly to a child Yep. or if there is someone who you have a financial and interdependency relationship with. Like if you live Yes. with someone who's relying on you financially. Otherwise, what a lot of people do, obviously, if if you don't have any of those or you wanted to give it. So if, for example, you wanna give it through your mom or brother or sister or cousin or whoever, you can you can still do it, but it would have to go through a will, essentially. Yeah. Yeah. Okay. Yeah. Yep. That's understandable. Yeah. Yep. Now just so you have those forms, because it is important to have a look at, obviously, when you have a moment. So there's not someone else coming and trying to make a claim for anything if something ever were to happen to you. Do you Yes. have access to a printer, or do you prefer us to repost those forms so that you do have it for when you have decided what you would like to do? Sorry. Say that again. Sorry. It's hard to hear you. Sometimes the No. phone's quiet. That's okay. Yeah. Sorry. Yeah. No. That's okay, James. I I said, do you have access to a printer, Yeah. or would you like us to repost those forms so that you have it handy if Probably something were to happen? repost them would be better. See. Yeah. Yes.","start_word":2059,"end_word":2319,"sentiment":"neutral","sentiment_score":0.052748918533325195},{"text":"Perfect.","start_word":2320,"end_word":2320,"sentiment":"positive","sentiment_score":0.34393030405044556},{"text":"And you're still at Baringa? Yes. Yep. Yep.","start_word":2321,"end_word":2328,"sentiment":"neutral","sentiment_score":0.14295721054077148},{"text":"Okay. Perfect. Now I'll get the team to repost those.","start_word":2329,"end_word":2338,"sentiment":"positive","sentiment_score":0.3601365089416504},{"text":"If you do have any questions, obviously, when you complete them, just give Yep. me Yep. a call. Okay? Yeah. I'll Yep. do that. No worries. Yep. Otherwise, when it comes to, I guess, goals for staff that are working towards or that you are wanting to achieve during the annual review review. Yeah? Yeah? No. Nothing at the moment that I'm really wanting to achieve. I just guess paying my loan off and hopefully, I suppose, getting as much safer as possible No. for Yeah. the future when I retire. So yeah. Yeah. No.","start_word":2339,"end_word":2433,"sentiment":"neutral","sentiment_score":0.0017327569032970227},{"text":"Perfect. And that's still good goals.","start_word":2434,"end_word":2439,"sentiment":"positive","sentiment_score":0.4614369869232178},{"text":"Trying to, you know, focus on that, which, obviously, the salary sacrifice will help, which Yeah. then kind of ties us into your your superannuation. So what I want to quickly go through with you next, James, is just a bit of a risk profile questionnaire. You may remember from last time, it is pretty straightforward. Just a couple of multiple choice questions, and that is just to see if your risk tolerance has Yeah. changed. Yeah. A It doesn't make sense. Just let me know. Okay? 100%. Yep. Perfect. Now have you ever bought direct shares yourself on the stock market? No. No. Perfect. And when it comes through how much risk you are willing to take for your superannuation. Now would you say that you are willing to take on very high risk just high risk, moderate, or a small amount of risk for your superannuation? Probably moderate. Moderate? Moderate? Yep. Yeah. And when it comes to fluctuations Do you want to try in something? the market as well. So if, for example, you placed an investment, and after six months, you found out that your portfolio has decreased in value by 20% Mhmm. due Yeah. to general trends in the market. So not like one particular investment That's that's launching. going on. It's like the Hello market there. as off. I'm on the. Would you, I want to just if you watch had this. the option to Do you do want so, speech too? think that now is potentially a good time to invest I a little like bit speech more while too. the prices are down, or would you kind Sorry. of be a bit neutral? Probably neutral. Yeah. Neutral? Okay. Perfect. Yeah. Now, otherwise, when it comes to fluctuations, so superannuation or any investments, if they temporarily fell in value, would you Yep.","start_word":2440,"end_word":2747,"sentiment":"neutral","sentiment_score":0.009253173035436444},{"text":"say that you would feel, you know, positive about potential investment opportunities in the future because of it?","start_word":2748,"end_word":2765,"sentiment":"positive","sentiment_score":0.406251460313797},{"text":"Or, again, kind of a bit neutral, not making further investment, concerned, or very anxious. Probably, nature at the moment. Neutral. Yeah. Yeah. Yeah.","start_word":2766,"end_word":2789,"sentiment":"neutral","sentiment_score":-0.05011644214391709},{"text":"Perfect.","start_word":2790,"end_word":2790,"sentiment":"positive","sentiment_score":0.43798038363456726},{"text":"Mhmm. And last thing is when it comes to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Yeah. That's a possibility. Yeah. Possibility. Yep.","start_word":2791,"end_word":2823,"sentiment":"neutral","sentiment_score":0.10129838436841963},{"text":"Perfect.","start_word":2824,"end_word":2824,"sentiment":"positive","sentiment_score":0.44642719626426697},{"text":"Now, James, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in, which is good. Do you remember what it means to be a growth investor at all? Yeah. I vaguely remember. Yes. Vaguely? Yes. Yeah. So, essentially, just a quick recap, it it means that you are looking at getting as much growth as you can out of your super. Yep. Also, that you understand that there in the short term, there will be a little bit of ups and downs and market fluctuations because your focus is to grow that super as much as possible. And Yep. when it comes to how it's invested, it's about 80% in those growth assets, which is like a combination of Australian shares, international shares, shares, and Yeah. properties as well. And then you do have about 20% in defensive, like your cash, your gold, your fixed interest limit fluctuations a little bit. And when we are looking at a time frame, we wanna make sure you have at least six years until retirement ideally for those fluctuations to come back around, which you certainly do. So Mhmm. are you Yeah. still comfortable with that level of risk gain and Yes. the the risk profile? Yep. Perfect. Yeah. Y'all do. Now do you have access to I your emails, or are you kind of on the go a little bit right now? have access to my email at the moment. Yeah. Okay.","start_word":2825,"end_word":3077,"sentiment":"neutral","sentiment_score":0.09464401006698608},{"text":"Beautiful.","start_word":3078,"end_word":3078,"sentiment":"positive","sentiment_score":0.3876093029975891},{"text":"Because what I have done is I have just sent you an email with some documents to go through quickly with you if you are able Yep. to access that for me. Yeah. Yep. I'm still on to my I'm fine, I believe. Yep. Sure. Just let me know if that came through. Okay? Is that the one where it just says sign document? Mhmm. Yes. So what Yeah. it I'll will just go on. yeah. So what it will do, it will actually allow you to open up and look at everything first before it Yeah. prompts you to sign anything just to make sure, obviously, you are happy with everything. And then let me know what the first document is that you can see on your end. Yeah. Sorry. Let me know if you can see a super and insurance summary. Yeah. Yep. You can see I just that one okay? saw him. Yeah. I've I've saw I'm just signing the documents as we speak. Okay. No. That's okay. I'll just kind of run through what the documents are as well just so that you obviously Yeah.","start_word":3079,"end_word":3267,"sentiment":"neutral","sentiment_score":0.14377489686012268},{"text":"know what you are signing, that you're happy. You have access to these documents as well to go through and have a look at them whenever you want to.","start_word":3268,"end_word":3296,"sentiment":"positive","sentiment_score":0.3561306297779083},{"text":"If you have any, you know, issues accessing them, just let me know because I can always send you a call to keep everything Yeah. on file for you. Yeah. A Now 100%. with Can your I borrow, please? superannuation as well, so you Yeah. can see here your current super balance. You obviously have your super in hub 24. Last time we did your under review, your super balance was at 67,348, and it's now up at 86,018, which is pretty good given, obviously, the turbulence and everything we have had in the market in the last twelve months. Obviously, with everything going on in The US and then, obviously, with the water, everything like that, we have seen a bit of fluctuation. So obviously, been a little bit of turbulence in that market, but it's still going up for you, which is great. Yeah. Yeah. Yep. Now Yeah. It underneath called. that, you can then see your insurances. So Yeah. with your insurances, you have life and total permanent disability insurance. You have your insurances with Clearview. Now you have $276,437 worth of life and PPD. Yeah. Now you said you had a couple of questions in regards to your insurances. Not really. No. Not Okay. at the moment. Just wanted to know what it was. Yeah. I just wanted Yep. to know Yep. what it was. Yeah. Okay. Yep.","start_word":3297,"end_word":3528,"sentiment":"neutral","sentiment_score":0.06905809157238953},{"text":"So, yeah, you do have pretty good cover there, life and PPD.","start_word":3529,"end_word":3540,"sentiment":"positive","sentiment_score":0.45227205753326416},{"text":"Now Yep. you also have income protection that will pay you a monthly amount of $3,925 per month if something were to happen, a thirty day waiting period, and a two year benefit period. All three is paid from within super, so you don't pay for anything out of pocket, and the total premium is 982 and 78<unk>. Yeah. Okay. Yep. That's alright. Yeah. Now if you can go to the next document for me, if you still have access, Yeah. it will show you your hub twenty four portfolio report. Now Yeah. this one here might be a little bit tricky on the phone sometimes to see it, but, basically, it shows you all your investments in the last twelve months and how they have performed. Yeah. Now if you have a look at it here, you can see kind of like I touched on. We have had a bit of turbulence in the market in the last twelve months. But in saying that, Yep. though, despite that and despite, obviously, after fees Yep.","start_word":3541,"end_word":3717,"sentiment":"neutral","sentiment_score":0.09728656709194183},{"text":"and everything, overall, your portfolio has still gone up by 6.70%, which is Okay. pretty good given the market condition.","start_word":3717,"end_word":3737,"sentiment":"positive","sentiment_score":0.3782117068767547},{"text":"What Yeah. I would like to speak to you about, though, is potentially changing one of them. Now if you wanna look, if you can see the second column to the right where it says internal rate of return. Can you see that? Yeah. Yeah. Yeah. I can Yeah. say that. Yeah. Yeah. So the first one you can see in brackets is the one I wanna look at changing is because that one is down at the moment and underperforming a little bit, which is your Yeah.","start_word":3737,"end_word":3823,"sentiment":"neutral","sentiment_score":-0.035831912929170776},{"text":"Benelong Australian equity. You can see all the others are positive and doing really well.","start_word":3824,"end_word":3838,"sentiment":"positive","sentiment_score":0.5752454996109009},{"text":"Yeah. Now with the Benelon, the reason we do wanna change it, like I said, is because it is underperforming a little bit at the moment, and we also wanna be proactive with your investment. So if we foresee one investment underperforming a little bit or not performing as much as we'd like and we find better alternative options, we wanna look at, obviously, changing that for you, making sure that we can focus on growing your super as much as possible. Does that make Yeah. sense? Okay. Yeah. That makes sense. Yeah.","start_word":3839,"end_word":3931,"sentiment":"neutral","sentiment_score":0.02894389256834984},{"text":"Yeah. Beautiful.","start_word":3932,"end_word":3933,"sentiment":"positive","sentiment_score":0.48009175062179565},{"text":"So the investment committee have done a lot of research on the investments through trying to see what an alternative could be. And because we are looking at changing your Australian investments, we're trying to find something that was another kind of similar investment that was focusing on the Australian market because we do wanna make sure we keep everything very diversified for you. But we don't want, obviously, everything in The US or you know, we wanna make sure we keep things diversified. So one that they did find that was a little bit cheaper because it's not Yeah. the same kind of active component is your beta shares a 200. Have you ever heard of that, James? I've heard bits and pieces about it. Yeah. Yeah. Well, basically, what it is is it invests Oh, boy. in the 200 largest companies listed in Australia. So, obviously, very Yep. diversified. You will be invested in 200 different companies. You will have, obviously, like, the banks, Woolworths, BHP, and that's all the big companies.","start_word":3934,"end_word":4107,"sentiment":"neutral","sentiment_score":0.10838047415018082},{"text":"They're very diversified. Now it is a little bit cheaper because you are also, like, kind of tracking those 200 largest companies.","start_word":4108,"end_word":4129,"sentiment":"positive","sentiment_score":0.36826637387275696},{"text":"So as a company kind of grows and gets bigger, it gets added, and then something smaller kind of falls out, which is a little bit different through the Bennelong investment where they are kind of trying to actively buy and sell different investments in order to try Yeah. to outperform the market. Okay. Does that make sense? Mhmm. Yeah. It makes sense. Yeah. Yeah. So, basically, overall, it's a little bit cheaper for you, but it also has performed a little bit better, but still Yeah.","start_word":4130,"end_word":4216,"sentiment":"neutral","sentiment_score":0.1226368322968483},{"text":"making sure we keep your portfolio aligned with that growth portfolio and diversified for you. If you are happy with with it, I can make that change for you.","start_word":4217,"end_word":4245,"sentiment":"positive","sentiment_score":0.47015729546546936},{"text":"If that is something Yeah.","start_word":4246,"end_word":4250,"sentiment":"neutral","sentiment_score":0.23463885486125943},{"text":"that you're happy for us to go ahead and make to make sure we Yeah.","start_word":4251,"end_word":4265,"sentiment":"positive","sentiment_score":0.4163471460342407},{"text":"obviously Yes. have the best option. Yeah. Yeah. Yes, please.","start_word":4266,"end_word":4275,"sentiment":"neutral","sentiment_score":0.2661440968513489},{"text":"Perfect.","start_word":4276,"end_word":4276,"sentiment":"positive","sentiment_score":0.4875526428222656},{"text":"Yeah. What I will do just for your reference, just so you have it, you don't have to sign it. But what I will do is in the next couple of days, I will send you something that's called a record of advice. Basically, what it is, it is just showing you the investment change that we're swapping Ben along for the the a 200. You don't need to sign it, but it's just there in a record for you so that you have it just Yep. for your record. Does that make sense? Yeah. That makes sense. Yep. Yes. Perfect. Yep. I'm almost finished, James, but the next couple of documents you will see is a certificate of currency, Yep. which basically breaks down those insurances again in a bit more detail. So if you ever wanna go back and have a look at it, that's all there for you. You will also have another OQ services guide. You would have seen Yeah. this one before. It's one of those compliance documents, but it does give you all the important information regarding us here at OQ. None of the important Yeah.","start_word":4277,"end_word":4468,"sentiment":"neutral","sentiment_score":0.1554999798536301},{"text":"information has changed, but we've had a bit of an update to marketing, which is good, and a bit of an extension to the team, which is nice.","start_word":4469,"end_word":4496,"sentiment":"positive","sentiment_score":0.4738458395004273},{"text":"So if you do ever go back and have a look at it, you Yeah. will find myself there on page 10 again if you do wanna put a face to the voice. Yeah. Okay.","start_word":4497,"end_word":4531,"sentiment":"neutral","sentiment_score":0.1369526833295822},{"text":"Yep. Perfect.","start_word":4532,"end_word":4533,"sentiment":"positive","sentiment_score":0.5267292261123657},{"text":"Now the two documents that you did sign as well, just so obviously you know what those were, one was a Mhmm.","start_word":4534,"end_word":4555,"sentiment":"neutral","sentiment_score":0.3043613135814667},{"text":"tax phone number opt in form, which was just true to say that we are keeping a tax phone number secure and safe on file.","start_word":4556,"end_word":4580,"sentiment":"positive","sentiment_score":0.3334241807460785},{"text":"Yep. Yes. And the other one was just your usual ongoing service agreement.","start_word":4581,"end_word":4593,"sentiment":"neutral","sentiment_score":0.29955872893333435},{"text":"That is just to say that, obviously, you are happy to stay on as a client.","start_word":4594,"end_word":4609,"sentiment":"positive","sentiment_score":0.591103732585907},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start_word":4610,"end_word":4621,"sentiment":"neutral","sentiment_score":0.22864781320095065},{"text":"So that stays exactly the same at 1.65 from super, so it's not increasing at all, which is good.","start_word":4622,"end_word":4640,"sentiment":"positive","sentiment_score":0.4592769145965576},{"text":"Yes. And, again, it Okay. is not a lock in contract. So if at any point in time you are not happy, not a lock in contract. But otherwise, by by signing that, it allows us to manage all your investments and insurances and everything for you in the meantime. Yeah. Yeah. Do you have No any questions in regards to any worries. of that, James, or is that pretty No. straightforward? No. It's Yep. pretty straightforward. Yep. Yep.","start_word":4641,"end_word":4719,"sentiment":"neutral","sentiment_score":0.105117566883564},{"text":"Beautiful.","start_word":4720,"end_word":4720,"sentiment":"positive","sentiment_score":0.5276217460632324},{"text":"So, basically, from here, I will send you that record of advice in the next couple of days. I will also get my colleague, Whitlam, to draft that letter for you to start the salary sacrifice of that $100 Yep. per fortnight. You just Yep.","start_word":4721,"end_word":4765,"sentiment":"neutral","sentiment_score":0.26189765334129333},{"text":"pass it on to your employer. We'll keep a lookout for those contributions, and you should see as well that kind of compounding and growing your super a bit quicker, which is great.","start_word":4766,"end_word":4798,"sentiment":"positive","sentiment_score":0.497541069984436},{"text":"Yep. I will also get my colleague through repost those beneficiary forms so that you do have it handy when you do kind of decide who you would like to nominate. Yeah. No. All good. Yeah.","start_word":4799,"end_word":4834,"sentiment":"neutral","sentiment_score":0.2314215451478958},{"text":"Perfect.","start_word":4835,"end_word":4835,"sentiment":"positive","sentiment_score":0.39266476035118103},{"text":"But do you have any other questions for me at this point otherwise, James? No. Not at the moment. No? Not at all. Okay. No. Beautiful. If if you do think of anything, just give me a call or send me an email.","start_word":4836,"end_word":4878,"sentiment":"neutral","sentiment_score":0.00529983050601427},{"text":"Always happy to book you in for a bit of a catch up if you do ever need anything.","start_word":4879,"end_word":4897,"sentiment":"positive","sentiment_score":0.5204832553863525},{"text":"Yeah. Will do. Yep.","start_word":4898,"end_word":4901,"sentiment":"neutral","sentiment_score":0.2685644030570984},{"text":"Appreciate that. No problem at all. It was lovely speaking Nice. with you, James, You and too. I hope you enjoy the rest of your afternoon. You too. Thank you. Appreciate it.","start_word":4902,"end_word":4933,"sentiment":"positive","sentiment_score":0.6606038808822632},{"text":"Hello.","start_word":4934,"end_word":4934,"sentiment":"neutral","sentiment_score":0.3127408027648926},{"text":"Cheers.","start_word":4935,"end_word":4935,"sentiment":"positive","sentiment_score":0.435166448354721},{"text":"Speaking.","start_word":4936,"end_word":4936,"sentiment":"neutral","sentiment_score":0.1865390837192535},{"text":"Thanks.","start_word":4937,"end_word":4937,"sentiment":"positive","sentiment_score":0.3740138411521912},{"text":"Bye. Bye bye. Bye.","start_word":4938,"end_word":4941,"sentiment":"neutral","sentiment_score":0.16338060796260834}],"average":{"sentiment":"neutral","sentiment_score":0.10808360536737108}}}}