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I just had you booked in to go through an annual review with you and sort of review your super and your goals. Is now still a good time there for you? Yeah. No. That's okay. Normally, it takes anywhere between fifteen to thirty minutes depending on what you have available. I can try to go through it as quickly as possible. Or if today doesn't suit, I can always reschedule to a more suitable time for you. What would work best for yourself? Yeah. Yeah. Yeah. Absolutely. Not a problem. If you like, what we can do is I can touch base on the things I need to, and then we can always come back and just reevaluate if we need to at the end. Okay? If anything comes up and you say you're running out of time, just let me know. Oh, good. How was your day at work? Oh, fantastic. And, hopefully, you have to go home, put your feet up for a little while. All good. Michelle, I'll start by just giving you an update on your super there. So as of your last annual review, your balance then was a 167,648. Your balance this annual review, sorry, is you're up to a 192,693 and 50 2¢. So your balance has increased nicely, which is good to see. When I look at the the portfolio as a whole and the individual investments, as a net return, so after fees and our ongoing service fee, you've actually received a return of 5.76%. So it is a good return. It is realistically a little bit low from what we'd like to see, but with everything that's been going on in the world with The US and the Iran war and high inflationary pressures here in Australia, we understand there is a bit more volatility there. So to come out with a positive return is still a good thing for you. Okay? Yeah. I have had a look at the individual investments as well. I can see there are a couple that are just underperforming a little bit in your portfolio as well. So I wanted to just sort of check-in with you as well. I would like to maybe update the advice for you, maybe reevaluate the portfolio, and look and see if we can structure it to make it some you know, a bit more growth out of there long term for you. Does that sound like something you'd be comfortable with me doing? Yeah. Fantastic. One of the things I do like to sort of touch on as well is having the ban along Australian equities in your portfolio, this portfolio was structured that investment to be a little bit more actively managed. So with an active manager in your portfolio, they're trying to buy and sell in a more effective way. They're trying to pick the top and the bottom of the market and find underperforming investments and things like that, and they're also trying to outperform the market. But you do pay a bit more to have those active managers in your portfolio. Would you like me to look at restructuring it to make it more cost effective, a bit cheaper for you, and look at something a bit more passively managed or lower risk, or did you want me to keep maybe an active manager in there for you? What would you like to see? I would honestly be looking at no. Honestly, it's a really good point to make because if I was in your position looking at my portfolio, I wanna be taking a little bit less risk in the market. I know especially with this year and with the ups and downs we have been feeling, I wouldn't be one of be seeing major ups and downs over the next seven years. I would wanna be starting to put protections in place, maybe see if I can lower the fees in my portfolio a bit, and also make sure those returns are compounding for those those last seven years of working life. Does that make sense to you? Is that what you're comfortable with? Yep. Beautiful. Excellent. Excellent. With your insurances there as well, now you do have your MetLife policy. You've got your life sorry. I'm just going back to here. MetLife. You've got your life cover, which currently has a sum insured of 221,340. So if you were to pass away today, you've got your super balance there of 190 what did you say? 100 and 93,000 plus your life insurance of 221,000. So giving you a bit over 414,000 in life cover. In the event of that happening, I I'm assuming you wanna have that all paid out to Michael so he can, you know, have a expenditure. Are you sort of hoping to have your mortgage paid off in that scenario? What are you wanting him to be able to do with those funds? Yep. Yep. Beautiful. So if you were to, like, pass away and claim that life insurance and have that extra money there, paying out the mortgage would essentially leave you with about or would leave him with about 94,000, which he could utilize to offset. Are you fairly comfortable with that life cover amount you have? Did you wanna alter or look at changing that at all? No. That's okay. That's absolutely fine. Excellent. And you've also got your income protection cover there at the moment. It does have a pretax monthly benefit there of 2,167. Your income, we had noted last time, was that you were on about 50,000. Are you on the same income, or have you got a pay rise there at all? That's okay. Do you know roughly what that might look like at the moment or what you might be earning per year estimated or even just your gross weekly or fortnightly figure? You're alright. It's not showing you. That's okay. You haven't done your tax return already for last financial year at all? No. No. That's okay. Do you remember what your having a look at your last payslip at the end of the financial year, what the total for the year might have looked like? Or sorry. You're right. No. You're fine. About 75,000? Fantastic. That's a really good increase. 35. Fantastic. So, realistically, income protection wise, you are a little bit underinsured for the amount you can be covered for based on your income. The main we could look at increasing if you wanted to, but increasing it does mean you pay more in premiums as well. In the event of you not being able to work in the short term due to illness or injury, does Marco earn enough to sort of cover expenditure? Would that be okay with the amount you have, or would you need to increase income protection? Yep. Yep. That's okay. So with income protection, you can be covered for up to 70% of your income. So if we base that on the amount you've got there so we're looking at $75.05. So by 12, it means that we would need to sort of cover you for a monthly benefit of $4,388 as a monthly benefits pretax. Did you want us to go forward and look at I'm gonna update the advice and reflect, obviously, the changes to superannuation and structuring your super. Did you want me to maybe include the increase in income protection there for you as well just to start just sort of show you the difference, how that impacts you, what the cost is, and what sort of contract terms would be offered? Yep. It basically is yeah. Because you've got two one six seven at the moment. You don't have to have the full 70. You can always increase it by a little bit. You happy just to leave it as is? Yeah. Yeah. Absolutely. Not a problem at all. Excellent. I just also wanted to double check health wise as well because when we are looking at increasing life insurance and income protection policies, especially, because insurance, your health does get an or they do do additional underwriting to the policy. So I just wanna make sure there's no major changes to your health that I need to factor into anything for you Just so when we update the advice. It's all okay still. Yep. Beautiful. Beautiful. On the last free assessment there, we just had it noted that there was a family history of sorry. Your father had a heart attack at the age of 40. I had no written to everything else and no major conditions or illness or injuries in the past couple of years to be worried about. Beautiful. Excellent. And you're still working at the DP's office? Fantastic. And we're looking to retire in the next seven years still? Yep. Beautiful. Excellent. Excellent. Assets and liability wise, we had your main primary residence down last year at about 700,000. What sort of value do you think you've put on that property at the moment? Do you think that's increased a bit or altered? Oh, fantastic. Yeah. Beautiful. 8,000 800,000 850,000. Beautiful. And the mortgage there was about 320,000. Have you reduced that a little bit with these interest rate rises? No. Oh, wow. Increased to 520,000. Yeah. All this money to outlay. What's the plan with the tiny home moving forward? Yep. Oh, fantastic. And is that something you you're right. Is that something you're gonna keep renting into retirement to maybe supplement the income? Yeah. Yeah. Beautiful. Incoming retirement. Love that. And will Michael be planning to retire at the same time you are? About the same time. Yeah. No. Not a problem at all. Excellent. I also had two cars and a caravan noted with a combined asset value of 35,000. Would you continue with that same valuation or decrease or alter that the same? Beautiful. Excellent. I've also got a credit card here with a limit of 2,500. Do you still happen to have that credit card there? Yep. Beautiful. And I've got savings and offset account with had about 3,000 in the last time. I know the tiny home's probably eaten some of your savings up as well. But do you still have anything in savings there at the moment or still have it? Oh, fantastic. That's excellent. Lovely. Fantastic. And any other, you know, crypto or any other sort of valuables that you'd note down? Nope. That's okay. Another thing I do like to note down is content. Do you have content insurance? Yeah. Do you know what you would value your content at, do you think? Yep. Beautiful. Excellent. And I I know you've got that savings account there with the tiny home, and most of your money is probably going to your mortgage in a tiny home building. But are you managing to sort of put enough away in savings or anything in savings on a regular basis? Are you dedicating savings? Yeah. Beautiful. A fortnight. Excellent. All good. And I can see here we're not really salary sacrificing or putting anything additional in the soup at the moment. Are you open to doing that to build soup a little bit more, or you're not really in a position to do so? No. That's okay. That's alright. Did you wanna maybe book it down to us? Yeah. Yep. Yep. Beautiful. Not a problem at all. Excellent. And I've still got you down part time. You're working about thirty four hours a week still. Is that right? Yep. Beautiful. Excellent. Any other medium term goals? I know we've got the tiny home there getting that built in and you're standing there, then long term being able to rent that out. Do you have any other goals that you're sort of looking to achieve in the next one, two, or three years? That's okay. Beautiful. Yeah. No. That's okay. Not a problem at all. And you don't you've got your life and your income protection policies there. You don't really have any TBD cover. So at the moment, in the event of, say, a permanent incapacity or a total permanent disability, with not having any PVD cover there. It does mean we just have to be able to rely on your super. And you claim can claim incapacity or PVD against your super, which releases it back for you. Are you happy with not having any CBD or trauma or any other additional insurances? Is it sort of happy with you've got? Beautiful. Well, what I'll do is I'll go back, and I'll look at the advice for you just to restructure your super investments, maybe remove anything that's underperforming. I'll look if we can get that working a bit harder for you and compounding over the next sort of seven years towards your retirement. Yeah. Yeah. Yes. Yes. Absolutely. That's one of the big things is that's gonna call give you real proper dollar cost averaging. So more money going smaller amounts going in on a more regular basis does provide a much greater benefit. You really take advantage of the market ups and downs and can provide greater diversification. So, yeah, no. That should should make a much more greater difference or make sure your super is evaluated and working harder. I'll look to increase your income protection policy to a monthly benefit of 3,000 even for you. As part of the advice, I'll show you what the increased cost looks like, how that's projected over the next seven years for you as well. That way, you can see everything in writing and let me know whether you're happy to take that onboard or not. Does that sound okay? Yep. Fantastic. With your income protection policy, you have a ninety day wait and a two year benefit period. Do you understand how those work? Did you have any questions around the insurance side of things? No. Excellent. Excellent. With the ninety day waiting, because you just have to be off work for that time frame, I always let everyone know as soon as you are off work due to an illness or an injury and you feel like you're gonna be off that time frame, let us know as soon as possible. That way we can let the insurer know. That way they can start counting that ninety day waiting period for you. Get the claim forms ready to go. So once you keep that waiting period, then we can submit everything and make it as easy as possible for you. Okay? Beautiful. So I'll keep the ninety day waiting to your benefit period for you and show you the additional side of things. Estate planning side of things. Now I've got it down here. Your beneficiaries, you want your super and life cover all to be paid to Michael in the event of passing for a 100% of your benefit. That's still perfect and accurate. Yep. Fantastic. And have you guys drawn off a will? Have you ever sort of spoken to a solicitor and had a will updated? No. Well and how appropriate do you think that will still gonna be? Absolutely. Especially with building a tiny home and ongoing. You've got a lot. You've worked really hard protecting your assets as much as, you know, you've got a lot of liabilities and credit cards and cars and things like that. In the event of something happening to one or both of you, it all kinda has to be directed to where you want it to be, and making sure it is all looked after is a big thing, unfortunately. In our industry, we do see people passing away in test state quite regularly, and it can be a very difficult time for families. People can come forward and make a claim. There's no guarantees they'll get it, but making a claim on someone's estate does make the process harder. So it is definitely worth making sure you update that. You can seek a local solicitor if it's easier for you. Otherwise, different states also have access to, like, government agencies, like in New South Wales. So I reside. We have the, like, new RMS and, I think, Queensland, you can do the same thing. And you just sort of can do a will online or over the phone. They are much cheaper than seeing a solicitor. And if it's just a standard straightforward will, it can be a much easier process for you. So if you ever wanted information on that, let me know. I can always throw up an information email there for you. Okay. All good. On the email, I have sent you through an email with the annual review documents there for you. It does have your updated super and insurance summary giving you an update of your balance and the insurances that you do hold. It's got your MetLife certificate of currency there as well, and it's also got the performance report so you can see what I went through. It does also have your ongoing service agreement for the next twelve months there. So you do pay an ongoing service fee. It is 1.65 per annum, and it after that if you're super in smaller monthly increments. We'll keep it going for the next twelve months if you're happy to stay on board and allows us to provide updated advice to keep you on track towards your goals there as well. Okay? Excellent. The only other document we have added there that's different to most other years is a tax file opt in form. So we do hold your tax file number. We do are required to do so. But we just wanna make sure you're aware that we do hold it. We are very security conscious. That's why we do security. Whenever you call us and we call you, just making sure that the information we hold on you, because it is sensitive, is all protected under the privacy act. So that form is in there. If you could just sign and return those back when you get a chance, that'd be fabulous. Okay. I've touched on a lot, and, hopefully, I haven't taken up too much of your time there. But do you have any additional questions there at all, Michelle? Or yeah. Fantastic. Fantastic. Well, I will let you go so you can enjoy the rest of your afternoon. Put your feet up and enjoy a nice drink of some sort, tea, coffee, whatever you you Thank you. I'll I'll get cracking on this reset there for you. Essentially, if there is anything additional, we'll let you know in the meantime. I'm also just gonna really quickly check your ID is up to date as well. So sorry. Just because when we provide financial advice, we do need to make sure we have your ID up to date, and yours is all in date. That's absolutely fine. Thank you so much. I will let you go, Michelle. If there's anything that comes up question wise, please let me know. And, yeah, if you have a look through those documents, if you find you have any questions that come out of that, just let me know as well. Okay. Thank you so much for your time. I appreciate you calling me back. No worries. You enjoy your afternoon. Talk to you soon. Thanks. See you later. 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Good afternoon, Michelle. This is Dana. How are you this afternoon? That's that's no.\n\nThat's absolutely fine. I just had you booked in to go through an annual review with you and sort of review your super and your goals. Is now still a good time there for you? Yeah. No.\n\nThat's okay. Normally, it takes anywhere between fifteen to thirty minutes depending on what you have available. I can try to go through it as quickly as possible. Or if today doesn't suit, I can always reschedule to a more suitable time for you. What would work best for yourself?\n\nYeah. Yeah. Yeah. Absolutely. Not a problem.\n\nIf you like, what we can do is I can touch base on the things I need to, and then we can always come back and just reevaluate if we need to at the end. Okay? If anything comes up and you say you're running out of time, just let me know. Oh, good. How was your day at work?\n\nOh, fantastic. And, hopefully, you have to go home, put your feet up for a little while. All good. Michelle, I'll start by just giving you an update on your super there. So as of your last annual review, your balance then was a 167,648.\n\nYour balance this annual review, sorry, is you're up to a 192,693 and 50 2¢. So your balance has increased nicely, which is good to see. When I look at the the portfolio as a whole and the individual investments, as a net return, so after fees and our ongoing service fee, you've actually received a return of 5.76%. So it is a good return. It is realistically a little bit low from what we'd like to see, but with everything that's been going on in the world with The US and the Iran war and high inflationary pressures here in Australia, we understand there is a bit more volatility there.\n\nSo to come out with a positive return is still a good thing for you. Okay? Yeah. I have had a look at the individual investments as well. I can see there are a couple that are just underperforming a little bit in your portfolio as well.\n\nSo I wanted to just sort of check-in with you as well. I would like to maybe update the advice for you, maybe reevaluate the portfolio, and look and see if we can structure it to make it some you know, a bit more growth out of there long term for you. Does that sound like something you'd be comfortable with me doing? Yeah. Fantastic.\n\nOne of the things I do like to sort of touch on as well is having the ban along Australian equities in your portfolio, this portfolio was structured that investment to be a little bit more actively managed. So with an active manager in your portfolio, they're trying to buy and sell in a more effective way. They're trying to pick the top and the bottom of the market and find underperforming investments and things like that, and they're also trying to outperform the market. But you do pay a bit more to have those active managers in your portfolio. Would you like me to look at restructuring it to make it more cost effective, a bit cheaper for you, and look at something a bit more passively managed or lower risk, or did you want me to keep maybe an active manager in there for you?\n\nWhat would you like to see? I would honestly be looking at no. Honestly, it's a really good point to make because if I was in your position looking at my portfolio, I wanna be taking a little bit less risk in the market. I know especially with this year and with the ups and downs we have been feeling, I wouldn't be one of be seeing major ups and downs over the next seven years. I would wanna be starting to put protections in place, maybe see if I can lower the fees in my portfolio a bit, and also make sure those returns are compounding for those those last seven years of working life.\n\nDoes that make sense to you? Is that what you're comfortable with? Yep. Beautiful. Excellent.\n\nExcellent. With your insurances there as well, now you do have your MetLife policy. You've got your life sorry. I'm just going back to here. MetLife.\n\nYou've got your life cover, which currently has a sum insured of 221,340. So if you were to pass away today, you've got your super balance there of 190 what did you say? 100 and 93,000 plus your life insurance of 221,000. So giving you a bit over 414,000 in life cover. In the event of that happening, I I'm assuming you wanna have that all paid out to Michael so he can, you know, have a expenditure.\n\nAre you sort of hoping to have your mortgage paid off in that scenario? What are you wanting him to be able to do with those funds? Yep. Yep. Beautiful.\n\nSo if you were to, like, pass away and claim that life insurance and have that extra money there, paying out the mortgage would essentially leave you with about or would leave him with about 94,000, which he could utilize to offset. Are you fairly comfortable with that life cover amount you have? Did you wanna alter or look at changing that at all? No. That's okay.\n\nThat's absolutely fine. Excellent. And you've also got your income protection cover there at the moment. It does have a pretax monthly benefit there of 2,167. Your income, we had noted last time, was that you were on about 50,000.\n\nAre you on the same income, or have you got a pay rise there at all? That's okay. Do you know roughly what that might look like at the moment or what you might be earning per year estimated or even just your gross weekly or fortnightly figure? You're alright. It's not showing you.\n\nThat's okay. You haven't done your tax return already for last financial year at all? No. No. That's okay.\n\nDo you remember what your having a look at your last payslip at the end of the financial year, what the total for the year might have looked like? Or sorry. You're right. No. You're fine.\n\nAbout 75,000? Fantastic. That's a really good increase. 35. Fantastic.\n\nSo, realistically, income protection wise, you are a little bit underinsured for the amount you can be covered for based on your income. The main we could look at increasing if you wanted to, but increasing it does mean you pay more in premiums as well. In the event of you not being able to work in the short term due to illness or injury, does Marco earn enough to sort of cover expenditure? Would that be okay with the amount you have, or would you need to increase income protection? Yep.\n\nYep. That's okay. So with income protection, you can be covered for up to 70% of your income. So if we base that on the amount you've got there so we're looking at $75.05. So by 12, it means that we would need to sort of cover you for a monthly benefit of $4,388 as a monthly benefits pretax.\n\nDid you want us to go forward and look at I'm gonna update the advice and reflect, obviously, the changes to superannuation and structuring your super. Did you want me to maybe include the increase in income protection there for you as well just to start just sort of show you the difference, how that impacts you, what the cost is, and what sort of contract terms would be offered? Yep. It basically is yeah. Because you've got two one six seven at the moment.\n\nYou don't have to have the full 70. You can always increase it by a little bit. You happy just to leave it as is? Yeah. Yeah.\n\nAbsolutely. Not a problem at all. Excellent. I just also wanted to double check health wise as well because when we are looking at increasing life insurance and income protection policies, especially, because insurance, your health does get an or they do do additional underwriting to the policy. So I just wanna make sure there's no major changes to your health that I need to factor into anything for you Just so when we update the advice.\n\nIt's all okay still. Yep. Beautiful. Beautiful. On the last free assessment there, we just had it noted that there was a family history of sorry.\n\nYour father had a heart attack at the age of 40. I had no written to everything else and no major conditions or illness or injuries in the past couple of years to be worried about. Beautiful. Excellent. And you're still working at the DP's office?\n\nFantastic. And we're looking to retire in the next seven years still? Yep. Beautiful. Excellent.\n\nExcellent. Assets and liability wise, we had your main primary residence down last year at about 700,000. What sort of value do you think you've put on that property at the moment? Do you think that's increased a bit or altered? Oh, fantastic.\n\nYeah. Beautiful. 8,000 800,000 850,000. Beautiful. And the mortgage there was about 320,000.\n\nHave you reduced that a little bit with these interest rate rises? No. Oh, wow. Increased to 520,000. Yeah.\n\nAll this money to outlay. What's the plan with the tiny home moving forward? Yep. Oh, fantastic. And is that something you you're right.\n\nIs that something you're gonna keep renting into retirement to maybe supplement the income? Yeah. Yeah. Beautiful. Incoming retirement.\n\nLove that. And will Michael be planning to retire at the same time you are? About the same time. Yeah. No.\n\nNot a problem at all. Excellent. I also had two cars and a caravan noted with a combined asset value of 35,000. Would you continue with that same valuation or decrease or alter that the same? Beautiful.\n\nExcellent. I've also got a credit card here with a limit of 2,500. Do you still happen to have that credit card there? Yep. Beautiful.\n\nAnd I've got savings and offset account with had about 3,000 in the last time. I know the tiny home's probably eaten some of your savings up as well. But do you still have anything in savings there at the moment or still have it? Oh, fantastic. That's excellent.\n\nLovely. Fantastic. And any other, you know, crypto or any other sort of valuables that you'd note down? Nope. That's okay.\n\nAnother thing I do like to note down is content. Do you have content insurance? Yeah. Do you know what you would value your content at, do you think? Yep.\n\nBeautiful. Excellent. And I I know you've got that savings account there with the tiny home, and most of your money is probably going to your mortgage in a tiny home building. But are you managing to sort of put enough away in savings or anything in savings on a regular basis? Are you dedicating savings?\n\nYeah. Beautiful. A fortnight. Excellent. All good.\n\nAnd I can see here we're not really salary sacrificing or putting anything additional in the soup at the moment. Are you open to doing that to build soup a little bit more, or you're not really in a position to do so? No. That's okay. That's alright.\n\nDid you wanna maybe book it down to us? Yeah. Yep. Yep. Beautiful.\n\nNot a problem at all. Excellent. And I've still got you down part time. You're working about thirty four hours a week still. Is that right?\n\nYep. Beautiful. Excellent. Any other medium term goals? I know we've got the tiny home there getting that built in and you're standing there, then long term being able to rent that out.\n\nDo you have any other goals that you're sort of looking to achieve in the next one, two, or three years? That's okay. Beautiful. Yeah. No.\n\nThat's okay. Not a problem at all. And you don't you've got your life and your income protection policies there. You don't really have any TBD cover. So at the moment, in the event of, say, a permanent incapacity or a total permanent disability, with not having any PVD cover there.\n\nIt does mean we just have to be able to rely on your super. And you claim can claim incapacity or PVD against your super, which releases it back for you. Are you happy with not having any CBD or trauma or any other additional insurances? Is it sort of happy with you've got? Beautiful.\n\nWell, what I'll do is I'll go back, and I'll look at the advice for you just to restructure your super investments, maybe remove anything that's underperforming. I'll look if we can get that working a bit harder for you and compounding over the next sort of seven years towards your retirement. Yeah. Yeah. Yes.\n\nYes. Absolutely. That's one of the big things is that's gonna call give you real proper dollar cost averaging. So more money going smaller amounts going in on a more regular basis does provide a much greater benefit. You really take advantage of the market ups and downs and can provide greater diversification.\n\nSo, yeah, no. That should should make a much more greater difference or make sure your super is evaluated and working harder. I'll look to increase your income protection policy to a monthly benefit of 3,000 even for you. As part of the advice, I'll show you what the increased cost looks like, how that's projected over the next seven years for you as well. That way, you can see everything in writing and let me know whether you're happy to take that onboard or not.\n\nDoes that sound okay? Yep. Fantastic. With your income protection policy, you have a ninety day wait and a two year benefit period. Do you understand how those work?\n\nDid you have any questions around the insurance side of things? No. Excellent. Excellent. With the ninety day waiting, because you just have to be off work for that time frame, I always let everyone know as soon as you are off work due to an illness or an injury and you feel like you're gonna be off that time frame, let us know as soon as possible.\n\nThat way we can let the insurer know. That way they can start counting that ninety day waiting period for you. Get the claim forms ready to go. So once you keep that waiting period, then we can submit everything and make it as easy as possible for you. Okay?\n\nBeautiful. So I'll keep the ninety day waiting to your benefit period for you and show you the additional side of things. Estate planning side of things. Now I've got it down here. Your beneficiaries, you want your super and life cover all to be paid to Michael in the event of passing for a 100% of your benefit.\n\nThat's still perfect and accurate. Yep. Fantastic. And have you guys drawn off a will? Have you ever sort of spoken to a solicitor and had a will updated?\n\nNo. Well and how appropriate do you think that will still gonna be? Absolutely. Especially with building a tiny home and ongoing. You've got a lot.\n\nYou've worked really hard protecting your assets as much as, you know, you've got a lot of liabilities and credit cards and cars and things like that. In the event of something happening to one or both of you, it all kinda has to be directed to where you want it to be, and making sure it is all looked after is a big thing, unfortunately. In our industry, we do see people passing away in test state quite regularly, and it can be a very difficult time for families. People can come forward and make a claim. There's no guarantees they'll get it, but making a claim on someone's estate does make the process harder.\n\nSo it is definitely worth making sure you update that. You can seek a local solicitor if it's easier for you. Otherwise, different states also have access to, like, government agencies, like in New South Wales. So I reside. We have the, like, new RMS and, I think, Queensland, you can do the same thing.\n\nAnd you just sort of can do a will online or over the phone. They are much cheaper than seeing a solicitor. And if it's just a standard straightforward will, it can be a much easier process for you. So if you ever wanted information on that, let me know. I can always throw up an information email there for you.\n\nOkay. All good. On the email, I have sent you through an email with the annual review documents there for you. It does have your updated super and insurance summary giving you an update of your balance and the insurances that you do hold. It's got your MetLife certificate of currency there as well, and it's also got the performance report so you can see what I went through.\n\nIt does also have your ongoing service agreement for the next twelve months there. So you do pay an ongoing service fee. It is 1.65 per annum, and it after that if you're super in smaller monthly increments. We'll keep it going for the next twelve months if you're happy to stay on board and allows us to provide updated advice to keep you on track towards your goals there as well. Okay?\n\nExcellent. The only other document we have added there that's different to most other years is a tax file opt in form. So we do hold your tax file number. We do are required to do so. But we just wanna make sure you're aware that we do hold it.\n\nWe are very security conscious. That's why we do security. Whenever you call us and we call you, just making sure that the information we hold on you, because it is sensitive, is all protected under the privacy act. So that form is in there. If you could just sign and return those back when you get a chance, that'd be fabulous.\n\nOkay. I've touched on a lot, and, hopefully, I haven't taken up too much of your time there. But do you have any additional questions there at all, Michelle? Or yeah. Fantastic.\n\nFantastic. Well, I will let you go so you can enjoy the rest of your afternoon. Put your feet up and enjoy a nice drink of some sort, tea, coffee, whatever you you Thank you. I'll I'll get cracking on this reset there for you. Essentially, if there is anything additional, we'll let you know in the meantime.\n\nI'm also just gonna really quickly check your ID is up to date as well. So sorry. Just because when we provide financial advice, we do need to make sure we have your ID up to date, and yours is all in date. That's absolutely fine. Thank you so much.\n\nI will let you go, Michelle. If there's anything that comes up question wise, please let me know. And, yeah, if you have a look through those documents, if you find you have any questions that come out of that, just let me know as well. Okay. Thank you so much for your time.\n\nI appreciate you calling me back. No worries. You enjoy your afternoon. Talk to you soon. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":3.04,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.22896799445152283},{"text":"Good afternoon, Michelle.","start":3.1999998,"end":4.16,"sentiment":"positive","sentiment_score":0.42201019326845807},{"text":"This is Dana.","start":4.16,"end":4.88,"sentiment":"positive","sentiment_score":0.39531474312146503},{"text":"How are you this afternoon?","start":4.88,"end":6.1,"sentiment":"positive","sentiment_score":0.4167262434959412},{"text":"That's that's no.","start":8.32,"end":10.8,"sentiment":"neutral","sentiment_score":-0.002275121087829272}],"sentiment":"neutral","sentiment_score":0.317183243855834,"num_words":15,"start":3.04,"end":10.8},{"sentences":[{"text":"That's absolutely fine.","start":10.8,"end":12.4,"sentiment":"neutral","sentiment_score":0.32274890939394635},{"text":"I just had you booked in to go through an annual review with you and sort of review your super and your goals.","start":12.4,"end":17.474998,"sentiment":"neutral","sentiment_score":0.3040361164704613},{"text":"Is now still a good time there for you?","start":17.474998,"end":19.574999,"sentiment":"neutral","sentiment_score":0.3231033914619022},{"text":"Yeah.","start":20.914999,"end":21.414999,"sentiment":"neutral","sentiment_score":-0.007205210626125336},{"text":"No.","start":22.195,"end":22.435,"sentiment":"neutral","sentiment_score":-0.05209251120686531}],"sentiment":"neutral","sentiment_score":0.29215432995477236,"num_words":37,"start":10.8,"end":22.435},{"sentences":[{"text":"That's okay.","start":22.435,"end":23.074999,"sentiment":"neutral","sentiment_score":-0.008616806473582983},{"text":"Normally, it takes anywhere between fifteen to thirty minutes depending on what you have available.","start":23.074999,"end":27.814999,"sentiment":"neutral","sentiment_score":0.024512228990594544},{"text":"I can try to go through it as quickly as possible.","start":27.954998,"end":30.119999,"sentiment":"neutral","sentiment_score":0.07518775862726298},{"text":"Or if today doesn't suit, I can always reschedule to a more suitable time for you.","start":30.119999,"end":34.46,"sentiment":"neutral","sentiment_score":-0.01739177794661373},{"text":"What would work best for yourself?","start":34.52,"end":36.3,"sentiment":"neutral","sentiment_score":0.03323778106520573}],"sentiment":"neutral","sentiment_score":0.021973468121141194,"num_words":50,"start":22.435,"end":36.3},{"sentences":[{"text":"Yeah.","start":39.559998,"end":40.059998,"sentiment":"neutral","sentiment_score":0.019997725263237953},{"text":"Yeah.","start":40.44,"end":40.68,"sentiment":"neutral","sentiment_score":0.040495455265045166},{"text":"Yeah.","start":40.68,"end":41.0,"sentiment":"neutral","sentiment_score":0.08729250729084015},{"text":"Absolutely.","start":41.0,"end":41.5,"sentiment":"neutral","sentiment_score":0.1816388368606567},{"text":"Not a problem.","start":41.879997,"end":42.52,"sentiment":"neutral","sentiment_score":0.18889768421649933}],"sentiment":"neutral","sentiment_score":0.12801679676132544,"num_words":7,"start":39.559998,"end":42.52},{"sentences":[{"text":"If you like, what we can do is I can touch base on the things I need to, and then we can always come back and just reevaluate if we need to at the end.","start":42.52,"end":50.015003,"sentiment":"neutral","sentiment_score":0.12994831874966623},{"text":"Okay?","start":50.015003,"end":50.335003,"sentiment":"neutral","sentiment_score":0.05000944435596466},{"text":"If anything comes up and you say you're running out of time, just let me know.","start":50.335003,"end":53.875,"sentiment":"neutral","sentiment_score":-0.030575879267416894},{"text":"Oh, good.","start":55.375,"end":55.935,"sentiment":"neutral","sentiment_score":0.19516301155090332},{"text":"How was your day at work?","start":55.935,"end":57.475002,"sentiment":"neutral","sentiment_score":0.2111460641026497}],"sentiment":"neutral","sentiment_score":0.09610314900055528,"num_words":60,"start":42.52,"end":57.475002},{"sentences":[{"text":"Oh, fantastic.","start":62.010002,"end":62.67,"sentiment":"positive","sentiment_score":0.5061994194984436},{"text":"And, hopefully, you have to go home, put your feet up for a little while.","start":63.05,"end":65.95,"sentiment":"neutral","sentiment_score":0.25275086661179863},{"text":"All good.","start":68.01,"end":68.83,"sentiment":"positive","sentiment_score":0.4212321639060974},{"text":"Michelle, I'll start by just giving you an update on your super there.","start":69.29,"end":72.525,"sentiment":"neutral","sentiment_score":0.216910000030811},{"text":"So as of your last annual review, your balance then was a 167,648.","start":72.925,"end":79.505005,"sentiment":"neutral","sentiment_score":0.13840332226111338}],"sentiment":"neutral","sentiment_score":0.22811554123957953,"num_words":45,"start":62.010002,"end":79.505005},{"sentences":[{"text":"Your balance this annual review, sorry, is you're up to a 192,693 and 50 2¢.","start":80.045,"end":88.59,"sentiment":"neutral","sentiment_score":0.204095223652465},{"text":"So your balance has increased nicely, which is good to see.","start":88.59,"end":91.729996,"sentiment":"positive","sentiment_score":0.5780877714807336},{"text":"When I look at the the portfolio as a whole and the individual investments, as a net return, so after fees and our ongoing service fee, you've actually received a return of 5.76%.","start":92.83,"end":104.165,"sentiment":"neutral","sentiment_score":0.3281709764039878},{"text":"So it is a good return.","start":104.165,"end":105.705,"sentiment":"positive","sentiment_score":0.4307416745771964},{"text":"It is realistically a little bit low from what we'd like to see, but with everything that's been going on in the world with The US and the Iran war and high inflationary pressures here in Australia, we understand there is a bit more volatility there.","start":106.325005,"end":119.17,"sentiment":"neutral","sentiment_score":-0.03006267256062964}],"sentiment":"neutral","sentiment_score":0.19315916316753085,"num_words":111,"start":80.045,"end":119.17},{"sentences":[{"text":"So to come out with a positive return is still a good thing for you.","start":119.17,"end":122.53,"sentiment":"positive","sentiment_score":0.599392024676005},{"text":"Okay?","start":122.53,"end":123.03,"sentiment":"neutral","sentiment_score":0.2250705659389496},{"text":"Yeah.","start":124.28999,"end":124.78999,"sentiment":"neutral","sentiment_score":0.09724444150924684},{"text":"I have had a look at the individual investments as well.","start":125.49,"end":127.855,"sentiment":"neutral","sentiment_score":0.06109878116033294},{"text":"I can see there are a couple that are just underperforming a little bit in your portfolio as well.","start":127.855,"end":132.335,"sentiment":"neutral","sentiment_score":-0.06400087142461225}],"sentiment":"neutral","sentiment_score":0.18658011517626175,"num_words":47,"start":119.17,"end":132.335},{"sentences":[{"text":"So I wanted to just sort of check-in with you as well.","start":132.335,"end":135.235,"sentiment":"neutral","sentiment_score":0.05842300535490116},{"text":"I would like to maybe update the advice for you, maybe reevaluate the portfolio, and look and see if we can structure it to make it some you know, a bit more growth out of there long term for you.","start":135.375,"end":145.67,"sentiment":"neutral","sentiment_score":0.09961591204628348},{"text":"Does that sound like something you'd be comfortable with me doing?","start":145.67,"end":148.17,"sentiment":"neutral","sentiment_score":0.04830346222628246},{"text":"Yeah.","start":149.26999,"end":149.67,"sentiment":"neutral","sentiment_score":0.28540417551994324},{"text":"Fantastic.","start":149.67,"end":150.17,"sentiment":"positive","sentiment_score":0.5310178399085999}],"sentiment":"neutral","sentiment_score":0.09282265609273543,"num_words":65,"start":132.335,"end":150.17},{"sentences":[{"text":"One of the things I do like to sort of touch on as well is having the ban along Australian equities in your portfolio, this portfolio was structured that investment to be a little bit more actively managed.","start":151.59,"end":161.64499,"sentiment":"neutral","sentiment_score":0.22693927193942823},{"text":"So with an active manager in your portfolio, they're trying to buy and sell in a more effective way.","start":161.64499,"end":167.885,"sentiment":"neutral","sentiment_score":0.1677152879144016},{"text":"They're trying to pick the top and the bottom of the market and find underperforming investments and things like that, and they're also trying to outperform the market.","start":167.885,"end":175.92,"sentiment":"neutral","sentiment_score":0.17249277659824916},{"text":"But you do pay a bit more to have those active managers in your portfolio.","start":175.92,"end":180.42,"sentiment":"neutral","sentiment_score":0.043701499700546265},{"text":"Would you like me to look at restructuring it to make it more cost effective, a bit cheaper for you, and look at something a bit more passively managed or lower risk, or did you want me to keep maybe an active manager in there for you?","start":180.64,"end":192.855,"sentiment":"neutral","sentiment_score":0.05101411361643608}],"sentiment":"neutral","sentiment_score":0.13396779853267735,"num_words":147,"start":151.59,"end":192.855},{"sentences":[{"text":"What would you like to see?","start":192.855,"end":194.315,"sentiment":"neutral","sentiment_score":0.020523734856396914},{"text":"I would honestly be looking at no.","start":199.75,"end":201.99,"sentiment":"neutral","sentiment_score":-0.20080565341881343},{"text":"Honestly, it's a really good point to make because if I was in your position looking at my portfolio, I wanna be taking a little bit less risk in the market.","start":201.99,"end":209.91,"sentiment":"neutral","sentiment_score":0.1492360612497695},{"text":"I know especially with this year and with the ups and downs we have been feeling, I wouldn't be one of be seeing major ups and downs over the next seven years.","start":209.91,"end":218.295,"sentiment":"neutral","sentiment_score":-0.05855988571420312},{"text":"I would wanna be starting to put protections in place, maybe see if I can lower the fees in my portfolio a bit, and also make sure those returns are compounding for those those last seven years of working life.","start":218.295,"end":229.94,"sentiment":"neutral","sentiment_score":0.0719253936316818}],"sentiment":"neutral","sentiment_score":0.03747344945139926,"num_words":116,"start":192.855,"end":229.94},{"sentences":[{"text":"Does that make sense to you?","start":229.94,"end":231.14001,"sentiment":"neutral","sentiment_score":0.09015875806411107},{"text":"Is that what you're comfortable with?","start":231.14001,"end":232.74,"sentiment":"neutral","sentiment_score":0.0940885158876578},{"text":"Yep.","start":232.74,"end":233.14001,"sentiment":"neutral","sentiment_score":0.0849018394947052},{"text":"Beautiful.","start":233.14001,"end":233.64001,"sentiment":"positive","sentiment_score":0.4016470909118652},{"text":"Excellent.","start":234.74,"end":235.24,"sentiment":"positive","sentiment_score":0.5111134648323059}],"sentiment":"neutral","sentiment_score":0.14020973592996597,"num_words":15,"start":229.94,"end":235.24},{"sentences":[{"text":"Excellent.","start":236.1,"end":236.6,"sentiment":"positive","sentiment_score":0.4223670661449432},{"text":"With your insurances there as well, now you do have your MetLife policy.","start":237.685,"end":241.36499,"sentiment":"neutral","sentiment_score":0.14555091525499636},{"text":"You've got your life sorry.","start":241.36499,"end":243.845,"sentiment":"neutral","sentiment_score":0.027125566452741622},{"text":"I'm just going back to here.","start":243.845,"end":245.465,"sentiment":"neutral","sentiment_score":0.006349253312995036},{"text":"MetLife.","start":245.525,"end":246.025,"sentiment":"neutral","sentiment_score":0.020242830738425255}],"sentiment":"neutral","sentiment_score":0.09648058258999999,"num_words":26,"start":236.1,"end":246.025},{"sentences":[{"text":"You've got your life cover, which currently has a sum insured of 221,340.","start":246.565,"end":252.985,"sentiment":"neutral","sentiment_score":0.038173479242966726},{"text":"So if you were to pass away today, you've got your super balance there of 190 what did you say?","start":253.5,"end":259.26,"sentiment":"neutral","sentiment_score":0.013015150930732489},{"text":"100 and 93,000 plus your life insurance of 221,000.","start":259.26,"end":264.86002,"sentiment":"neutral","sentiment_score":0.027893951162695885},{"text":"So giving you a bit over 414,000 in life cover.","start":264.86002,"end":269.76498,"sentiment":"neutral","sentiment_score":0.04843221809715033},{"text":"In the event of that happening, I I'm assuming you wanna have that all paid out to Michael so he can, you know, have a expenditure.","start":270.865,"end":278.32498,"sentiment":"neutral","sentiment_score":-0.00498563301964448}],"sentiment":"neutral","sentiment_score":0.01746537861151573,"num_words":78,"start":246.565,"end":278.32498},{"sentences":[{"text":"Are you sort of hoping to have your mortgage paid off in that scenario?","start":278.465,"end":281.745,"sentiment":"neutral","sentiment_score":-0.018045668756323203},{"text":"What are you wanting him to be able to do with those funds?","start":281.745,"end":284.28,"sentiment":"neutral","sentiment_score":-0.021866746963216707},{"text":"Yep.","start":288.76,"end":289.08,"sentiment":"neutral","sentiment_score":0.02205720916390419},{"text":"Yep.","start":289.08,"end":289.4,"sentiment":"neutral","sentiment_score":0.04997283220291138},{"text":"Beautiful.","start":289.4,"end":289.9,"sentiment":"neutral","sentiment_score":0.14933037757873535}],"sentiment":"neutral","sentiment_score":-0.010518221805493036,"num_words":30,"start":278.465,"end":289.9},{"sentences":[{"text":"So if you were to, like, pass away and claim that life insurance and have that extra money there, paying out the mortgage would essentially leave you with about or would leave him with about 94,000, which he could utilize to offset.","start":290.28,"end":303.695,"sentiment":"neutral","sentiment_score":-0.04309005135049423},{"text":"Are you fairly comfortable with that life cover amount you have?","start":303.695,"end":306.575,"sentiment":"neutral","sentiment_score":-0.02622795342044397},{"text":"Did you wanna alter or look at changing that at all?","start":306.575,"end":309.55502,"sentiment":"neutral","sentiment_score":-0.06425975296985019},{"text":"No.","start":313.04,"end":313.28,"sentiment":"neutral","sentiment_score":-0.11306391656398772},{"text":"That's okay.","start":313.28,"end":313.92,"sentiment":"neutral","sentiment_score":-0.0016421545296907425}],"sentiment":"neutral","sentiment_score":-0.04360440526324422,"num_words":67,"start":290.28,"end":313.92},{"sentences":[{"text":"That's absolutely fine.","start":313.92,"end":315.38,"sentiment":"neutral","sentiment_score":0.21491836508115134},{"text":"Excellent.","start":315.52002,"end":316.02002,"sentiment":"neutral","sentiment_score":0.30374449491500854},{"text":"And you've also got your income protection cover there at the moment.","start":316.32,"end":319.52002,"sentiment":"neutral","sentiment_score":0.09237479045987129},{"text":"It does have a pretax monthly benefit there of 2,167.","start":319.52002,"end":325.925,"sentiment":"neutral","sentiment_score":0.0747460074722767},{"text":"Your income, we had noted last time, was that you were on about 50,000.","start":327.025,"end":331.185,"sentiment":"neutral","sentiment_score":-0.0019281430036893912}],"sentiment":"neutral","sentiment_score":0.06943657870870083,"num_words":40,"start":313.92,"end":331.185},{"sentences":[{"text":"Are you on the same income, or have you got a pay rise there at all?","start":331.185,"end":334.725,"sentiment":"neutral","sentiment_score":-0.008038940461119637},{"text":"That's okay.","start":338.4,"end":339.04,"sentiment":"neutral","sentiment_score":-0.011829680763185026},{"text":"Do you know roughly what that might look like at the moment or what you might be earning per year estimated or even just your gross weekly or fortnightly figure?","start":339.04,"end":346.58002,"sentiment":"neutral","sentiment_score":-0.02927892152220011},{"text":"You're alright.","start":353.695,"end":354.435,"sentiment":"neutral","sentiment_score":-0.060358595103025436},{"text":"It's not showing you.","start":381.72498,"end":382.685,"sentiment":"neutral","sentiment_score":-0.1556585170328617}],"sentiment":"neutral","sentiment_score":-0.032851876164958986,"num_words":54,"start":331.185,"end":382.685},{"sentences":[{"text":"That's okay.","start":382.685,"end":383.505,"sentiment":"neutral","sentiment_score":-0.04617341049015522},{"text":"You haven't done your tax return already for last financial year at all?","start":384.39,"end":387.99,"sentiment":"neutral","sentiment_score":-0.06659820303320885},{"text":"No.","start":387.99,"end":388.49,"sentiment":"neutral","sentiment_score":-0.07237617671489716},{"text":"No.","start":388.79,"end":389.03,"sentiment":"neutral","sentiment_score":-0.06947164237499237},{"text":"That's okay.","start":389.03,"end":389.85,"sentiment":"neutral","sentiment_score":-0.04429167602211237}],"sentiment":"neutral","sentiment_score":-0.06255550692348104,"num_words":19,"start":382.685,"end":389.85},{"sentences":[{"text":"Do you remember what your having a look at your last payslip at the end of the financial year, what the total for the year might have looked like?","start":389.99,"end":397.43,"sentiment":"neutral","sentiment_score":-0.0193081297429985},{"text":"Or sorry.","start":397.43,"end":403.585,"sentiment":"neutral","sentiment_score":-0.07223976776003838},{"text":"You're right.","start":403.585,"end":404.405,"sentiment":"neutral","sentiment_score":-0.0566740557551384},{"text":"No.","start":419.36002,"end":419.68,"sentiment":"neutral","sentiment_score":-0.08199530839920044},{"text":"You're fine.","start":419.68,"end":420.58002,"sentiment":"neutral","sentiment_score":-0.008937411475926638}],"sentiment":"neutral","sentiment_score":-0.02548982058134344,"num_words":36,"start":389.99,"end":420.58002},{"sentences":[{"text":"About 75,000?","start":441.07,"end":442.61002,"sentiment":"neutral","sentiment_score":0.0025172934401780367},{"text":"Fantastic.","start":445.47,"end":445.97,"sentiment":"positive","sentiment_score":0.439693808555603},{"text":"That's a really good increase.","start":446.27,"end":447.57,"sentiment":"positive","sentiment_score":0.4080146670341492},{"text":"35.","start":448.715,"end":449.45502,"sentiment":"neutral","sentiment_score":0.1785999834537506},{"text":"Fantastic.","start":449.515,"end":450.015,"sentiment":"neutral","sentiment_score":0.282068133354187}],"sentiment":"neutral","sentiment_score":0.29454698474146424,"num_words":10,"start":441.07,"end":450.015},{"sentences":[{"text":"So, realistically, income protection wise, you are a little bit underinsured for the amount you can be covered for based on your income.","start":451.035,"end":457.855,"sentiment":"neutral","sentiment_score":0.05674670450389385},{"text":"The main we could look at increasing if you wanted to, but increasing it does mean you pay more in premiums as well.","start":458.795,"end":464.63998,"sentiment":"neutral","sentiment_score":0.06872655759039133},{"text":"In the event of you not being able to work in the short term due to illness or injury, does Marco earn enough to sort of cover expenditure?","start":465.18,"end":472.72,"sentiment":"neutral","sentiment_score":-0.033171037511367886},{"text":"Would that be okay with the amount you have, or would you need to increase income protection?","start":473.18,"end":477.835,"sentiment":"neutral","sentiment_score":-0.05068605656132979},{"text":"Yep.","start":481.895,"end":482.13498,"sentiment":"neutral","sentiment_score":0.038649968802928925}],"sentiment":"neutral","sentiment_score":0.01232698896859327,"num_words":92,"start":451.035,"end":482.13498},{"sentences":[{"text":"Yep.","start":482.13498,"end":482.455,"sentiment":"neutral","sentiment_score":0.06662103533744812},{"text":"That's okay.","start":482.455,"end":483.175,"sentiment":"neutral","sentiment_score":0.13475261628627777},{"text":"So with income protection, you can be covered for up to 70% of your income.","start":483.175,"end":487.19498,"sentiment":"neutral","sentiment_score":0.12015609641869864},{"text":"So if we base that on the amount you've got there so we're looking at $75.05.","start":487.52,"end":493.54,"sentiment":"neutral","sentiment_score":0.02673899510409683},{"text":"So by 12, it means that we would need to sort of cover you for a monthly benefit of $4,388 as a monthly benefits pretax.","start":498.8,"end":507.415,"sentiment":"neutral","sentiment_score":0.03920510426163673}],"sentiment":"neutral","sentiment_score":0.060108800718592384,"num_words":59,"start":482.13498,"end":507.415},{"sentences":[{"text":"Did you want us to go forward and look at I'm gonna update the advice and reflect, obviously, the changes to superannuation and structuring your super.","start":508.435,"end":516.87006,"sentiment":"neutral","sentiment_score":0.049137032232605495},{"text":"Did you want me to maybe include the increase in income protection there for you as well just to start just sort of show you the difference, how that impacts you, what the cost is, and what sort of contract terms would be offered?","start":517.41003,"end":529.065,"sentiment":"neutral","sentiment_score":0.04246604180132801},{"text":"Yep.","start":532.745,"end":533.245,"sentiment":"neutral","sentiment_score":0.005245931446552277},{"text":"It basically is yeah.","start":533.705,"end":535.225,"sentiment":"neutral","sentiment_score":0.01986765069887042},{"text":"Because you've got two one six seven at the moment.","start":535.225,"end":537.645,"sentiment":"neutral","sentiment_score":-0.0502762608230114}],"sentiment":"neutral","sentiment_score":0.03209438356844818,"num_words":85,"start":508.435,"end":537.645},{"sentences":[{"text":"You don't have to have the full 70.","start":538.025,"end":539.705,"sentiment":"neutral","sentiment_score":-0.06017359811812639},{"text":"You can always increase it by a little bit.","start":539.705,"end":541.625,"sentiment":"neutral","sentiment_score":-0.038077253848314285},{"text":"You happy just to leave it as is?","start":541.625,"end":543.405,"sentiment":"neutral","sentiment_score":0.08869659341871738},{"text":"Yeah.","start":547.85004,"end":548.09,"sentiment":"neutral","sentiment_score":0.0747266411781311},{"text":"Yeah.","start":548.09,"end":548.41003,"sentiment":"neutral","sentiment_score":0.12309715896844864}],"sentiment":"neutral","sentiment_score":0.0030856473302399673,"num_words":27,"start":538.025,"end":548.41003},{"sentences":[{"text":"Absolutely.","start":548.41003,"end":548.91003,"sentiment":"neutral","sentiment_score":0.20185154676437375},{"text":"Not a problem at all.","start":549.29004,"end":550.75,"sentiment":"neutral","sentiment_score":0.22729537189006804},{"text":"Excellent.","start":550.81,"end":551.31,"sentiment":"positive","sentiment_score":0.5162054300308228},{"text":"I just also wanted to double check health wise as well because when we are looking at increasing life insurance and income protection policies, especially, because insurance, your health does get an or they do do additional underwriting to the policy.","start":552.01,"end":566.625,"sentiment":"neutral","sentiment_score":0.13500890226625814},{"text":"So I just wanna make sure there's no major changes to your health that I need to factor into anything for you Just so when we update the advice.","start":566.625,"end":575.01,"sentiment":"neutral","sentiment_score":0.005193525475674662}],"sentiment":"neutral","sentiment_score":0.09792871516826865,"num_words":77,"start":548.41003,"end":575.01},{"sentences":[{"text":"It's all okay still.","start":575.23,"end":576.61,"sentiment":"neutral","sentiment_score":-0.012964099179953337},{"text":"Yep.","start":577.95,"end":578.45,"sentiment":"neutral","sentiment_score":0.015744075179100037},{"text":"Beautiful.","start":578.58997,"end":579.08997,"sentiment":"neutral","sentiment_score":0.33109575510025024},{"text":"Beautiful.","start":580.35,"end":580.51,"sentiment":"neutral","sentiment_score":0.2732369899749756},{"text":"On the last free assessment there, we just had it noted that there was a family history of sorry.","start":580.51,"end":588.215,"sentiment":"neutral","sentiment_score":-0.03968546833646925}],"sentiment":"neutral","sentiment_score":-0.007146287494553969,"num_words":26,"start":575.23,"end":588.215},{"sentences":[{"text":"Your father had a heart attack at the age of 40.","start":588.215,"end":590.875,"sentiment":"neutral","sentiment_score":-0.09427105364474384},{"text":"I had no written to everything else and no major conditions or illness or injuries in the past couple of years to be worried about.","start":592.29504,"end":600.155,"sentiment":"neutral","sentiment_score":-0.06655648157000542},{"text":"Beautiful.","start":600.76,"end":601.26,"sentiment":"neutral","sentiment_score":0.0910886377096176},{"text":"Excellent.","start":601.56,"end":602.06,"sentiment":"neutral","sentiment_score":0.1678438037633896},{"text":"And you're still working at the DP's 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still?","start":608.12,"end":611.5,"sentiment":"neutral","sentiment_score":0.13313240761106665},{"text":"Yep.","start":612.695,"end":613.015,"sentiment":"neutral","sentiment_score":0.10426896810531616},{"text":"Beautiful.","start":613.015,"end":613.515,"sentiment":"neutral","sentiment_score":0.22198808193206787},{"text":"Excellent.","start":614.695,"end":615.195,"sentiment":"positive","sentiment_score":0.7326155304908752}],"sentiment":"neutral","sentiment_score":0.1945949802796046,"num_words":15,"start":606.92,"end":615.195},{"sentences":[{"text":"Excellent.","start":615.655,"end":616.155,"sentiment":"positive","sentiment_score":0.6483175754547119},{"text":"Assets and liability wise, we had your main primary residence down last year at about 700,000.","start":617.415,"end":624.075,"sentiment":"neutral","sentiment_score":0.10239474452100694},{"text":"What sort of value do you think you've put on that property at the moment?","start":624.99,"end":627.95,"sentiment":"neutral","sentiment_score":-0.000678499477605025},{"text":"Do you think that's increased a bit or altered?","start":627.95,"end":629.97003,"sentiment":"neutral","sentiment_score":-0.034381500652266875},{"text":"Oh, fantastic.","start":637.565,"end":638.705,"sentiment":"positive","sentiment_score":0.4669662117958069}],"sentiment":"neutral","sentiment_score":0.06746406775227813,"num_words":43,"start":615.655,"end":638.705},{"sentences":[{"text":"Yeah.","start":644.04504,"end":644.445,"sentiment":"neutral","sentiment_score":0.08749674260616302},{"text":"Beautiful.","start":644.445,"end":644.945,"sentiment":"neutral","sentiment_score":0.2766611576080322},{"text":"8,000 800,000 850,000.","start":645.16504,"end":648.60504,"sentiment":"neutral","sentiment_score":0.06414300948381424},{"text":"Beautiful.","start":648.60504,"end":649.10504,"sentiment":"neutral","sentiment_score":0.2888059914112091},{"text":"And the mortgage there was about 320,000.","start":649.8,"end":652.52,"sentiment":"neutral","sentiment_score":0.03764508152380586}],"sentiment":"neutral","sentiment_score":0.08530065313411447,"num_words":13,"start":644.04504,"end":652.52},{"sentences":[{"text":"Have you reduced that a little bit with these interest rate rises?","start":652.52,"end":655.42,"sentiment":"neutral","sentiment_score":-0.021996895782649517},{"text":"No.","start":655.72,"end":656.22,"sentiment":"neutral","sentiment_score":-0.07815761864185333},{"text":"Oh, wow.","start":661.735,"end":662.555,"sentiment":"neutral","sentiment_score":0.050282761454582214},{"text":"Increased to 520,000.","start":662.695,"end":664.955,"sentiment":"neutral","sentiment_score":0.04208738108476003},{"text":"Yeah.","start":666.615,"end":667.115,"sentiment":"neutral","sentiment_score":0.055372174829244614}],"sentiment":"neutral","sentiment_score":-0.0031537119495241264,"num_words":19,"start":652.52,"end":667.115},{"sentences":[{"text":"All this money to outlay.","start":667.735,"end":668.85504,"sentiment":"neutral","sentiment_score":0.08087792545557022},{"text":"What's the plan with the tiny home moving forward?","start":668.85504,"end":671.35504,"sentiment":"neutral","sentiment_score":0.08351768139335844},{"text":"Yep.","start":682.15,"end":682.23004,"sentiment":"neutral","sentiment_score":0.11287390440702438},{"text":"Oh, fantastic.","start":682.23004,"end":683.13,"sentiment":"positive","sentiment_score":0.40571361780166626},{"text":"And is that something you you're right.","start":683.19,"end":685.11005,"sentiment":"neutral","sentiment_score":0.12118989761386599}],"sentiment":"neutral","sentiment_score":0.12202829929689567,"num_words":24,"start":667.735,"end":685.11005},{"sentences":[{"text":"Is that something you're gonna keep renting into retirement to maybe supplement the income?","start":685.11005,"end":689.665,"sentiment":"neutral","sentiment_score":0.05116055120847055},{"text":"Yeah.","start":689.725,"end":690.225,"sentiment":"neutral","sentiment_score":0.01872853003442287},{"text":"Yeah.","start":691.885,"end":692.385,"sentiment":"neutral","sentiment_score":0.12025806307792664},{"text":"Beautiful.","start":692.445,"end":692.945,"sentiment":"neutral","sentiment_score":0.2785959243774414},{"text":"Incoming retirement.","start":693.565,"end":694.545,"sentiment":"neutral","sentiment_score":0.13073617592453957}],"sentiment":"neutral","sentiment_score":0.07343697822407673,"num_words":19,"start":685.11005,"end":694.545},{"sentences":[{"text":"Love that.","start":695.08496,"end":695.805,"sentiment":"positive","sentiment_score":0.3641631156206131},{"text":"And will Michael be planning to retire at the same time you are?","start":695.805,"end":699.345,"sentiment":"neutral","sentiment_score":0.06079138915699262},{"text":"About the same time.","start":703.85004,"end":704.89,"sentiment":"neutral","sentiment_score":0.010772621259093285},{"text":"Yeah.","start":704.89,"end":705.21,"sentiment":"neutral","sentiment_score":0.03069167025387287},{"text":"No.","start":705.21,"end":705.45,"sentiment":"neutral","sentiment_score":0.03191076219081879}],"sentiment":"neutral","sentiment_score":0.07734796227443785,"num_words":21,"start":695.08496,"end":705.45},{"sentences":[{"text":"Not a problem at all.","start":705.45,"end":706.73004,"sentiment":"neutral","sentiment_score":0.08779073059558869},{"text":"Excellent.","start":706.73004,"end":707.23004,"sentiment":"neutral","sentiment_score":0.3085448145866394},{"text":"I also had two cars and a caravan noted with a combined asset value of 35,000.","start":708.17,"end":713.79004,"sentiment":"neutral","sentiment_score":0.07764361542649567},{"text":"Would you continue with that same valuation or decrease or alter that the same?","start":713.85004,"end":718.485,"sentiment":"neutral","sentiment_score":0.0006047201875065054},{"text":"Beautiful.","start":718.545,"end":719.045,"sentiment":"neutral","sentiment_score":0.2505795955657959}],"sentiment":"neutral","sentiment_score":0.06077951331295677,"num_words":37,"start":705.45,"end":719.045},{"sentences":[{"text":"Excellent.","start":719.90497,"end":720.305,"sentiment":"positive","sentiment_score":0.3455120325088501},{"text":"I've also got a credit card here with a limit of 2,500.","start":720.305,"end":723.90497,"sentiment":"neutral","sentiment_score":0.14831188259025416},{"text":"Do you still happen to have that credit card there?","start":723.90497,"end":726.40497,"sentiment":"neutral","sentiment_score":0.05790260396897793},{"text":"Yep.","start":728.08,"end":728.4,"sentiment":"neutral","sentiment_score":0.11823183298110962},{"text":"Beautiful.","start":728.4,"end":728.88,"sentiment":"neutral","sentiment_score":0.04137266427278519}],"sentiment":"neutral","sentiment_score":0.11455540642142296,"num_words":25,"start":719.90497,"end":728.88},{"sentences":[{"text":"And I've got savings and offset account with had about 3,000 in the last time.","start":728.88,"end":733.76,"sentiment":"neutral","sentiment_score":0.019223274228473506},{"text":"I know the tiny home's probably eaten some of your savings up as well.","start":733.76,"end":737.14,"sentiment":"neutral","sentiment_score":0.008090059855021536},{"text":"But do you still have anything in savings there at the moment or still have it?","start":737.76,"end":741.54004,"sentiment":"neutral","sentiment_score":-0.0033056479587685317},{"text":"Oh, fantastic.","start":743.555,"end":744.535,"sentiment":"positive","sentiment_score":0.6359591484069824},{"text":"That's excellent.","start":744.755,"end":745.575,"sentiment":"positive","sentiment_score":0.7339420318603516}],"sentiment":"neutral","sentiment_score":0.0630310600937097,"num_words":49,"start":728.88,"end":745.575},{"sentences":[{"text":"Lovely.","start":745.795,"end":746.295,"sentiment":"positive","sentiment_score":0.6943017840385437},{"text":"Fantastic.","start":747.71497,"end":748.21497,"sentiment":"positive","sentiment_score":0.5917901396751404},{"text":"And any other, you know, crypto or any other sort of valuables that you'd note down?","start":748.755,"end":754.77496,"sentiment":"neutral","sentiment_score":0.15254899254068732},{"text":"Nope.","start":756.85004,"end":757.17,"sentiment":"neutral","sentiment_score":-0.08098988234996796},{"text":"That's okay.","start":757.17,"end":758.07,"sentiment":"neutral","sentiment_score":-0.016879138071089983}],"sentiment":"neutral","sentiment_score":0.17200607837488255,"num_words":21,"start":745.795,"end":758.07},{"sentences":[{"text":"Another thing I do like to note down is content.","start":758.53,"end":760.77,"sentiment":"neutral","sentiment_score":0.016453886590898036},{"text":"Do you have content insurance?","start":760.77,"end":762.31,"sentiment":"neutral","sentiment_score":0.0036926900967955588},{"text":"Yeah.","start":764.05,"end":764.29004,"sentiment":"neutral","sentiment_score":0.01255093701183796},{"text":"Do you know what you would value your content at, do you think?","start":764.29004,"end":767.67,"sentiment":"neutral","sentiment_score":0.008675612580890838},{"text":"Yep.","start":770.075,"end":770.575,"sentiment":"neutral","sentiment_score":0.10653951019048692}],"sentiment":"neutral","sentiment_score":0.013829190904895464,"num_words":30,"start":758.53,"end":770.575},{"sentences":[{"text":"Beautiful.","start":770.79504,"end":771.29504,"sentiment":"positive","sentiment_score":0.35885533690452576},{"text":"Excellent.","start":772.47504,"end":772.97504,"sentiment":"positive","sentiment_score":0.3707730770111084},{"text":"And I I know you've got that savings account there with the tiny home, and most of your money is probably going to your mortgage in a tiny home building.","start":774.315,"end":781.61505,"sentiment":"neutral","sentiment_score":0.06295529038955767},{"text":"But are you managing to sort of put enough away in savings or anything in savings on a regular basis?","start":781.67505,"end":787.48004,"sentiment":"neutral","sentiment_score":0.010874666506424546},{"text":"Are you dedicating savings?","start":787.54004,"end":789.96,"sentiment":"neutral","sentiment_score":0.0022983005037531257}],"sentiment":"neutral","sentiment_score":0.05080310103117621,"num_words":56,"start":770.79504,"end":789.96},{"sentences":[{"text":"Yeah.","start":793.22003,"end":793.62006,"sentiment":"neutral","sentiment_score":0.09849432110786438},{"text":"Beautiful.","start":793.62006,"end":794.12006,"sentiment":"neutral","sentiment_score":0.2940913438796997},{"text":"A fortnight.","start":794.42004,"end":795.08,"sentiment":"neutral","sentiment_score":0.1594158560037613},{"text":"Excellent.","start":795.30005,"end":795.80005,"sentiment":"neutral","sentiment_score":0.2939344644546509},{"text":"All good.","start":796.26,"end":796.92004,"sentiment":"neutral","sentiment_score":0.3098104000091553}],"sentiment":"neutral","sentiment_score":0.23213894878114974,"num_words":7,"start":793.22003,"end":796.92004},{"sentences":[{"text":"And I can see here we're not really salary sacrificing or putting anything additional in the soup at the moment.","start":797.475,"end":802.435,"sentiment":"neutral","sentiment_score":-0.037979050818830726},{"text":"Are you open to doing that to build soup a little bit more, or you're not really in a position to do so?","start":802.435,"end":807.735,"sentiment":"neutral","sentiment_score":-0.07988462775297787},{"text":"No.","start":809.49,"end":809.65,"sentiment":"neutral","sentiment_score":-0.12725260853767395},{"text":"That's okay.","start":809.65,"end":810.55,"sentiment":"neutral","sentiment_score":-0.09588021039962769},{"text":"That's alright.","start":810.61,"end":811.33,"sentiment":"neutral","sentiment_score":-0.016137498896569014}],"sentiment":"neutral","sentiment_score":-0.06142115587135777,"num_words":48,"start":797.475,"end":811.33},{"sentences":[{"text":"Did you wanna maybe book it down to us?","start":811.33,"end":814.15,"sentiment":"neutral","sentiment_score":-0.02839448427160581},{"text":"Yeah.","start":814.93,"end":815.43,"sentiment":"neutral","sentiment_score":0.05572418123483658},{"text":"Yep.","start":815.89,"end":816.05,"sentiment":"neutral","sentiment_score":0.0522250235080719},{"text":"Yep.","start":816.05,"end":816.55,"sentiment":"neutral","sentiment_score":0.07236870378255844},{"text":"Beautiful.","start":816.61,"end":817.11,"sentiment":"neutral","sentiment_score":0.24061882495880127}],"sentiment":"neutral","sentiment_score":0.012722028849216608,"num_words":13,"start":811.33,"end":817.11},{"sentences":[{"text":"Not a problem at 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right?","start":823.96497,"end":825.5449,"sentiment":"neutral","sentiment_score":0.019339188933372498}],"sentiment":"neutral","sentiment_score":0.04420379350463358,"num_words":26,"start":817.41003,"end":825.5449},{"sentences":[{"text":"Yep.","start":825.88495,"end":826.285,"sentiment":"neutral","sentiment_score":0.03574451804161072},{"text":"Beautiful.","start":826.285,"end":826.785,"sentiment":"positive","sentiment_score":0.3831160068511963},{"text":"Excellent.","start":827.08496,"end":827.58496,"sentiment":"positive","sentiment_score":0.3607674539089203},{"text":"Any other medium term goals?","start":828.925,"end":830.605,"sentiment":"neutral","sentiment_score":0.13748979130759836},{"text":"I know we've got the tiny home there getting that built in and you're standing there, then long term being able to rent that out.","start":830.605,"end":836.43,"sentiment":"neutral","sentiment_score":0.09572762340307235}],"sentiment":"neutral","sentiment_score":0.11697780364898569,"num_words":33,"start":825.88495,"end":836.43},{"sentences":[{"text":"Do you have any other goals that you're sort of looking to achieve in the next one, two, or three years?","start":836.99,"end":841.89,"sentiment":"neutral","sentiment_score":0.06167983902352197},{"text":"That's okay.","start":846.58997,"end":847.49,"sentiment":"neutral","sentiment_score":-0.02269774116575718},{"text":"Beautiful.","start":847.71,"end":848.21,"sentiment":"positive","sentiment_score":0.3671931922435761},{"text":"Yeah.","start":850.785,"end":851.285,"sentiment":"neutral","sentiment_score":0.08771209418773651},{"text":"No.","start":851.665,"end":851.90497,"sentiment":"neutral","sentiment_score":0.04544517397880554}],"sentiment":"neutral","sentiment_score":0.06731659990663712,"num_words":26,"start":836.99,"end":851.90497},{"sentences":[{"text":"That's okay.","start":851.90497,"end":852.705,"sentiment":"neutral","sentiment_score":0.09888863191008568},{"text":"Not a problem at all.","start":852.705,"end":854.08496,"sentiment":"neutral","sentiment_score":0.12410601675510406},{"text":"And you don't you've got your life and your income protection policies there.","start":854.225,"end":857.265,"sentiment":"neutral","sentiment_score":-0.04840780801784534},{"text":"You don't really have any TBD cover.","start":857.265,"end":859.345,"sentiment":"neutral","sentiment_score":-0.09846644955021995},{"text":"So at the moment, in the event of, say, a permanent incapacity or a total permanent disability, with not having any PVD cover there.","start":859.345,"end":867.48004,"sentiment":"neutral","sentiment_score":-0.072103751435255}],"sentiment":"neutral","sentiment_score":-0.04374018309674427,"num_words":51,"start":851.90497,"end":867.48004},{"sentences":[{"text":"It does mean we just have to be able to rely on your super.","start":867.48004,"end":871.10004,"sentiment":"neutral","sentiment_score":-0.0322207993428622},{"text":"And you claim can claim incapacity or PVD against your super, which releases it back for you.","start":871.72003,"end":876.94,"sentiment":"neutral","sentiment_score":-0.03176922986612601},{"text":"Are you happy with not having any CBD or trauma or any other additional insurances?","start":877.405,"end":882.065,"sentiment":"neutral","sentiment_score":0.023060354590415954},{"text":"Is it sort of happy with you've got?","start":882.125,"end":884.385,"sentiment":"neutral","sentiment_score":-0.04974109772592783},{"text":"Beautiful.","start":885.805,"end":886.28503,"sentiment":"positive","sentiment_score":0.39540740847587585}],"sentiment":"neutral","sentiment_score":-0.01177789369090037,"num_words":55,"start":867.48004,"end":886.28503},{"sentences":[{"text":"Well, what I'll do is I'll go back, and I'll look at the advice for you just to restructure your super investments, maybe remove anything that's underperforming.","start":886.28503,"end":893.58,"sentiment":"neutral","sentiment_score":0.03325718296346841},{"text":"I'll look if we can get that working a bit harder for you and compounding over the next sort of seven years towards your retirement.","start":894.28,"end":900.14,"sentiment":"neutral","sentiment_score":0.0438506256043911},{"text":"Yeah.","start":908.45496,"end":908.95496,"sentiment":"neutral","sentiment_score":-0.010145453736186028},{"text":"Yeah.","start":913.33496,"end":913.65497,"sentiment":"neutral","sentiment_score":0.04796631634235382},{"text":"Yes.","start":913.65497,"end":914.055,"sentiment":"neutral","sentiment_score":0.08290024101734161}],"sentiment":"neutral","sentiment_score":0.038453285159035164,"num_words":55,"start":886.28503,"end":914.055},{"sentences":[{"text":"Yes.","start":914.055,"end":914.555,"sentiment":"neutral","sentiment_score":0.1743716597557068},{"text":"Absolutely.","start":917.13,"end":917.63,"sentiment":"neutral","sentiment_score":0.25485852360725403},{"text":"That's one of the big things is that's gonna call give you real proper dollar cost averaging.","start":918.09,"end":923.63,"sentiment":"neutral","sentiment_score":0.1809504724600736},{"text":"So more money going smaller amounts going in on a more regular basis does provide a much greater benefit.","start":923.77,"end":929.45,"sentiment":"positive","sentiment_score":0.3341437021368428},{"text":"You really take advantage of the market ups and downs and can provide greater diversification.","start":929.45,"end":934.44495,"sentiment":"neutral","sentiment_score":0.260175699989001}],"sentiment":"neutral","sentiment_score":0.2595613972758347,"num_words":53,"start":914.055,"end":934.44495},{"sentences":[{"text":"So, yeah, no.","start":935.14496,"end":935.70496,"sentiment":"neutral","sentiment_score":-0.014278864488005638},{"text":"That should should make a much more greater difference or make sure your super is evaluated and working harder.","start":935.70496,"end":942.125,"sentiment":"neutral","sentiment_score":0.03763925715496665},{"text":"I'll look to increase your income protection policy to a monthly benefit of 3,000 even for you.","start":942.745,"end":948.9,"sentiment":"neutral","sentiment_score":0.11340904454974567},{"text":"As part of the advice, I'll show you what the increased cost looks like, how that's projected over the next seven years for you as well.","start":949.52,"end":956.10004,"sentiment":"neutral","sentiment_score":0.11482083711486596},{"text":"That way, you can see everything in writing and let me know whether you're happy to take that onboard or not.","start":956.48004,"end":961.175,"sentiment":"neutral","sentiment_score":0.13133397813709008}],"sentiment":"neutral","sentiment_score":0.09701881808943527,"num_words":86,"start":935.14496,"end":961.175},{"sentences":[{"text":"Does that sound okay?","start":961.175,"end":962.395,"sentiment":"neutral","sentiment_score":0.03989925514906645},{"text":"Yep.","start":963.175,"end":963.675,"sentiment":"neutral","sentiment_score":0.11461522430181505},{"text":"Fantastic.","start":964.375,"end":964.875,"sentiment":"positive","sentiment_score":0.5441202521324158},{"text":"With your income protection policy, you have a ninety day wait and a two year benefit period.","start":965.655,"end":970.17,"sentiment":"neutral","sentiment_score":0.19474036465672886},{"text":"Do you understand how those work?","start":970.17,"end":971.69,"sentiment":"neutral","sentiment_score":0.08352947483460109}],"sentiment":"neutral","sentiment_score":0.15965846707594805,"num_words":29,"start":961.175,"end":971.69},{"sentences":[{"text":"Did you have any questions around the insurance side of things?","start":971.69,"end":974.75,"sentiment":"neutral","sentiment_score":0.016371957195753403},{"text":"No.","start":975.61,"end":976.11,"sentiment":"neutral","sentiment_score":-0.09215684235095978},{"text":"Excellent.","start":977.85,"end":978.35,"sentiment":"positive","sentiment_score":0.4191519618034363},{"text":"Excellent.","start":978.41,"end":978.91,"sentiment":"positive","sentiment_score":0.4074762463569641},{"text":"With the ninety day waiting, because you just have to be off work for that time frame, I always let everyone know as soon as you are off work due to an illness or an injury and you feel like you're gonna be off that time frame, let us know as soon as possible.","start":978.97003,"end":991.545,"sentiment":"neutral","sentiment_score":0.030347251954178017}],"sentiment":"neutral","sentiment_score":0.037548742654240304,"num_words":68,"start":971.69,"end":991.545},{"sentences":[{"text":"That way we can let the insurer know.","start":991.545,"end":993.865,"sentiment":"neutral","sentiment_score":0.12148072198033333},{"text":"That way they can start counting that ninety day waiting period for you.","start":993.865,"end":997.305,"sentiment":"neutral","sentiment_score":0.15610077747931847},{"text":"Get the claim forms ready to go.","start":997.305,"end":999.3,"sentiment":"neutral","sentiment_score":0.15151811284678324},{"text":"So once you keep that waiting period, then we can submit everything and make it as easy as possible for you.","start":999.38,"end":1005.16,"sentiment":"neutral","sentiment_score":0.18039165756532125},{"text":"Okay?","start":1005.22,"end":1005.72,"sentiment":"neutral","sentiment_score":0.04937057942152023}],"sentiment":"neutral","sentiment_score":0.1579875612258911,"num_words":50,"start":991.545,"end":1005.72},{"sentences":[{"text":"Beautiful.","start":1006.5,"end":1007.0,"sentiment":"positive","sentiment_score":0.34478282928466797},{"text":"So I'll keep the ninety day waiting to your benefit period for you and show you the additional side of things.","start":1007.14,"end":1012.04,"sentiment":"neutral","sentiment_score":0.18385481053874606},{"text":"Estate planning side of things.","start":1012.665,"end":1014.505,"sentiment":"neutral","sentiment_score":0.06982066035270691},{"text":"Now I've got it down here.","start":1014.505,"end":1015.865,"sentiment":"neutral","sentiment_score":0.11039586241046588},{"text":"Your beneficiaries, you want your super and life cover all to be paid to Michael in the event of passing for a 100% of your benefit.","start":1015.865,"end":1023.465,"sentiment":"neutral","sentiment_score":0.13791248145011756}],"sentiment":"neutral","sentiment_score":0.14920231939877493,"num_words":59,"start":1006.5,"end":1023.465},{"sentences":[{"text":"That's still perfect and accurate.","start":1023.465,"end":1025.085,"sentiment":"neutral","sentiment_score":0.329972505569458},{"text":"Yep.","start":1025.305,"end":1025.805,"sentiment":"neutral","sentiment_score":0.0593874454498291},{"text":"Fantastic.","start":1027.09,"end":1027.59,"sentiment":"neutral","sentiment_score":0.2436409741640091},{"text":"And have you guys drawn off a will?","start":1027.97,"end":1029.8899,"sentiment":"neutral","sentiment_score":0.06320727989077568},{"text":"Have you ever sort of spoken to a solicitor and had a will updated?","start":1029.8899,"end":1033.51,"sentiment":"neutral","sentiment_score":0.0222152764243739}],"sentiment":"neutral","sentiment_score":0.09550217436305408,"num_words":29,"start":1023.465,"end":1033.51},{"sentences":[{"text":"No.","start":1035.25,"end":1035.75,"sentiment":"neutral","sentiment_score":-0.06882050633430481},{"text":"Well and how appropriate do you think that will still gonna be?","start":1037.49,"end":1041.0299,"sentiment":"neutral","sentiment_score":-0.02005192117455105},{"text":"Absolutely.","start":1046.765,"end":1047.265,"sentiment":"positive","sentiment_score":0.5542939305305481},{"text":"Especially with building a tiny home and ongoing.","start":1047.5651,"end":1050.7051,"sentiment":"neutral","sentiment_score":0.13510806811973453},{"text":"You've got a lot.","start":1050.765,"end":1051.405,"sentiment":"neutral","sentiment_score":0.05937344953417778}],"sentiment":"neutral","sentiment_score":0.060123412046008386,"num_words":26,"start":1035.25,"end":1051.405},{"sentences":[{"text":"You've worked really hard protecting your assets as much as, you know, you've got a lot of liabilities and credit cards and cars and things like that.","start":1051.405,"end":1058.23,"sentiment":"neutral","sentiment_score":0.04866977491312557},{"text":"In the event of something happening to one or both of you, it all kinda has to be directed to where you want it to be, and making sure it is all looked after is a big thing, unfortunately.","start":1058.23,"end":1067.13,"sentiment":"neutral","sentiment_score":-0.04208811200582064},{"text":"In our industry, we do see people passing away in test state quite regularly, and it can be a very difficult time for families.","start":1067.27,"end":1074.895,"sentiment":"neutral","sentiment_score":-0.32088698633015156},{"text":"People can come forward and make a claim.","start":1075.515,"end":1077.195,"sentiment":"negative","sentiment_score":-0.34806591272354126},{"text":"There's no guarantees they'll get it, but making a claim on someone's estate does make the process harder.","start":1077.195,"end":1082.075,"sentiment":"negative","sentiment_score":-0.33617587635914487}],"sentiment":"neutral","sentiment_score":-0.14538218270473438,"num_words":116,"start":1051.405,"end":1082.075},{"sentences":[{"text":"So it is definitely worth making sure you update that.","start":1082.075,"end":1085.74,"sentiment":"neutral","sentiment_score":0.17091716229915618},{"text":"You can seek a local solicitor if it's easier for you.","start":1086.28,"end":1089.56,"sentiment":"neutral","sentiment_score":0.13673468611457132},{"text":"Otherwise, different states also have access to, like, government agencies, like in New South Wales.","start":1089.56,"end":1095.56,"sentiment":"neutral","sentiment_score":0.06690500179926555},{"text":"So I reside.","start":1095.56,"end":1096.46,"sentiment":"neutral","sentiment_score":0.07849056522051494},{"text":"We have the, like, new RMS and, I think, Queensland, you can do the same thing.","start":1097.0801,"end":1101.945,"sentiment":"neutral","sentiment_score":0.17137206718325615}],"sentiment":"neutral","sentiment_score":0.13080459941517222,"num_words":55,"start":1082.075,"end":1101.945},{"sentences":[{"text":"And you just sort of can do a will online or over the phone.","start":1101.945,"end":1104.905,"sentiment":"neutral","sentiment_score":0.16797792006816184},{"text":"They are much cheaper than seeing a solicitor.","start":1104.905,"end":1107.085,"sentiment":"neutral","sentiment_score":0.24463196843862534},{"text":"And if it's just a standard straightforward will, it can be a much easier process for you.","start":1107.385,"end":1111.48,"sentiment":"neutral","sentiment_score":0.3068286110373104},{"text":"So if you ever wanted information on that, let me know.","start":1111.48,"end":1114.38,"sentiment":"neutral","sentiment_score":0.05651772835037925},{"text":"I can always throw up an information email there for you.","start":1114.5199,"end":1117.64,"sentiment":"neutral","sentiment_score":0.10426212711767717}],"sentiment":"neutral","sentiment_score":0.1851378922335437,"num_words":61,"start":1101.945,"end":1117.64},{"sentences":[{"text":"Okay.","start":1117.64,"end":1118.14,"sentiment":"neutral","sentiment_score":0.1400955319404602},{"text":"All good.","start":1119.64,"end":1120.38,"sentiment":"positive","sentiment_score":0.3887402415275574},{"text":"On the email, I have sent you through an email with the annual review documents there for you.","start":1121.64,"end":1125.9751,"sentiment":"neutral","sentiment_score":0.23929037733210456},{"text":"It does have your updated super and insurance summary giving you an update of your balance and the insurances that you do hold.","start":1125.9751,"end":1132.2151,"sentiment":"neutral","sentiment_score":0.21266493330831113},{"text":"It's got your MetLife certificate of currency there as well, and it's also got the performance report so you can see what I went through.","start":1132.2151,"end":1139.73,"sentiment":"neutral","sentiment_score":0.22170821487903594}],"sentiment":"neutral","sentiment_score":0.22693915427594946,"num_words":69,"start":1117.64,"end":1139.73},{"sentences":[{"text":"It does also have your ongoing service agreement for the next twelve months there.","start":1140.21,"end":1143.73,"sentiment":"neutral","sentiment_score":0.16777213556425913},{"text":"So you do pay an ongoing service fee.","start":1143.73,"end":1145.91,"sentiment":"neutral","sentiment_score":0.13444977533072233},{"text":"It is 1.65 per annum, and it after that if you're super in smaller monthly increments.","start":1146.13,"end":1151.11,"sentiment":"neutral","sentiment_score":0.07812707289122045},{"text":"We'll keep it going for the next twelve months if you're happy to stay on board and allows us to provide updated advice to keep you on track towards your goals there as well.","start":1151.73,"end":1159.9149,"sentiment":"positive","sentiment_score":0.4351856686613139},{"text":"Okay?","start":1160.0549,"end":1160.5549,"sentiment":"neutral","sentiment_score":0.103339284658432}],"sentiment":"neutral","sentiment_score":0.268138264191069,"num_words":73,"start":1140.21,"end":1160.5549},{"sentences":[{"text":"Excellent.","start":1161.895,"end":1162.395,"sentiment":"positive","sentiment_score":0.7118074297904968},{"text":"The only other document we have added there that's different to most other years is a tax file opt in form.","start":1162.775,"end":1167.4149,"sentiment":"neutral","sentiment_score":0.15781432425691969},{"text":"So we do hold your tax file number.","start":1167.4149,"end":1169.07,"sentiment":"neutral","sentiment_score":0.07190865743905306},{"text":"We do are required to do so.","start":1169.07,"end":1171.01,"sentiment":"neutral","sentiment_score":0.05555726055588041},{"text":"But we just wanna make sure you're aware that we do hold it.","start":1171.39,"end":1174.19,"sentiment":"neutral","sentiment_score":0.04563430983286638}],"sentiment":"neutral","sentiment_score":0.1116664870083332,"num_words":50,"start":1161.895,"end":1174.19},{"sentences":[{"text":"We are very security conscious.","start":1174.19,"end":1175.63,"sentiment":"neutral","sentiment_score":0.051971203088760375},{"text":"That's why we do security.","start":1175.63,"end":1176.83,"sentiment":"neutral","sentiment_score":0.11119137108325958},{"text":"Whenever you call us and we call you, just making sure that the information we hold on you, because it is sensitive, is all protected under the privacy act.","start":1176.83,"end":1185.185,"sentiment":"neutral","sentiment_score":0.13799550050291523},{"text":"So that form is in there.","start":1185.185,"end":1186.785,"sentiment":"neutral","sentiment_score":0.1582369258006414},{"text":"If you could just sign and return those back when you get a chance, that'd be fabulous.","start":1186.785,"end":1190.3251,"sentiment":"positive","sentiment_score":0.3925923985593459}],"sentiment":"neutral","sentiment_score":0.20066410831866727,"num_words":62,"start":1174.19,"end":1190.3251},{"sentences":[{"text":"Okay.","start":1190.785,"end":1191.285,"sentiment":"neutral","sentiment_score":0.11361226439476012},{"text":"I've touched on a lot, and, hopefully, I haven't taken up too much of your time there.","start":1192.0651,"end":1195.665,"sentiment":"neutral","sentiment_score":0.05539775639772415},{"text":"But do you have any additional questions there at all, Michelle?","start":1195.665,"end":1198.4651,"sentiment":"neutral","sentiment_score":-0.014084345237775282},{"text":"Or yeah.","start":1198.4651,"end":1200.9199,"sentiment":"neutral","sentiment_score":-0.019767703488469124},{"text":"Fantastic.","start":1201.2999,"end":1201.7999,"sentiment":"positive","sentiment_score":0.5644418597221375}],"sentiment":"neutral","sentiment_score":0.04454227432142943,"num_words":32,"start":1190.785,"end":1201.7999},{"sentences":[{"text":"Fantastic.","start":1202.1799,"end":1202.6799,"sentiment":"positive","sentiment_score":0.574004054069519},{"text":"Well, I will let you go so you can enjoy the rest of your afternoon.","start":1202.98,"end":1206.12,"sentiment":"positive","sentiment_score":0.5266391177972157},{"text":"Put your feet up and enjoy a nice drink of some sort, tea, coffee, whatever you you Thank you.","start":1206.4199,"end":1213.385,"sentiment":"positive","sentiment_score":0.3831745488078971},{"text":"I'll I'll get cracking on this reset there for you.","start":1213.385,"end":1216.125,"sentiment":"neutral","sentiment_score":0.27046862691640855},{"text":"Essentially, if there is anything additional, we'll let you know in the meantime.","start":1216.505,"end":1219.8049,"sentiment":"neutral","sentiment_score":0.14310666231008676}],"sentiment":"positive","sentiment_score":0.35032724357884504,"num_words":58,"start":1202.1799,"end":1219.8049},{"sentences":[{"text":"I'm also just gonna really quickly check your ID is up to date as well.","start":1220.105,"end":1223.705,"sentiment":"neutral","sentiment_score":0.11629384805758794},{"text":"So sorry.","start":1223.705,"end":1224.445,"sentiment":"neutral","sentiment_score":0.0578959658741951},{"text":"Just because when we provide financial advice, we do need to make sure we have your ID up to date, and yours is all in date.","start":1225.1699,"end":1231.1699,"sentiment":"neutral","sentiment_score":0.07380879054275843},{"text":"That's absolutely fine.","start":1231.1699,"end":1232.5299,"sentiment":"positive","sentiment_score":0.41065189242362976},{"text":"Thank you so much.","start":1232.5299,"end":1233.99,"sentiment":"positive","sentiment_score":0.7278810292482376}],"sentiment":"neutral","sentiment_score":0.15845416001975537,"num_words":50,"start":1220.105,"end":1233.99},{"sentences":[{"text":"I will let you go, Michelle.","start":1235.33,"end":1236.5299,"sentiment":"neutral","sentiment_score":0.2373183791836103},{"text":"If there's anything that comes up question wise, please let me know.","start":1236.5299,"end":1239.525,"sentiment":"neutral","sentiment_score":0.1419747273127238},{"text":"And, yeah, if you have a look through those documents, if you find you have any questions that come out of that, just let me know as well.","start":1239.525,"end":1244.725,"sentiment":"neutral","sentiment_score":0.1381168868392706},{"text":"Okay.","start":1244.725,"end":1245.225,"sentiment":"neutral","sentiment_score":0.22176405787467957},{"text":"Thank you so much for your time.","start":1246.405,"end":1247.845,"sentiment":"positive","sentiment_score":0.8154621975762504}],"sentiment":"neutral","sentiment_score":0.23934961620856215,"num_words":54,"start":1235.33,"end":1247.845},{"sentences":[{"text":"I appreciate you calling me back.","start":1247.845,"end":1249.705,"sentiment":"positive","sentiment_score":0.7386111418406168},{"text":"No worries.","start":1252.1929,"end":1252.7529,"sentiment":"positive","sentiment_score":0.5154927372932434},{"text":"You enjoy your afternoon.","start":1252.7529,"end":1254.1329,"sentiment":"positive","sentiment_score":0.664270207285881},{"text":"Talk to you soon.","start":1254.1929,"end":1255.1729,"sentiment":"neutral","sentiment_score":0.2958974093198776},{"text":"Thanks.","start":1255.5529,"end":1256.0529,"sentiment":"positive","sentiment_score":0.6148221492767334}],"sentiment":"positive","sentiment_score":0.583420290666468,"num_words":17,"start":1247.845,"end":1256.0529},{"sentences":[{"text":"See you later.","start":1256.6729,"end":1257.3129,"sentiment":"positive","sentiment_score":0.4050440490245819},{"text":"Bye.","start":1257.3129,"end":1257.8129,"sentiment":"neutral","sentiment_score":0.17955002188682556}],"sentiment":"positive","sentiment_score":0.3486705422401428,"num_words":4,"start":1256.6729,"end":1257.8129}]}}]},{"alternatives":[{"transcript":"I'm good. Thank you. Sorry I missed your call. I'm just calling from work now. Yep. How long would this take? That's all. No. I've got time now if you've got time. Yep. Yep. Hence, my this is my 02:00 finish. Great. Yep. Exactly. Yep. Yep. Yep. Yep. Yep. Exactly. Yep. Yep. Yep. Yep. Yep. Oh, I don't know. If you're sitting at my age and wanting to retire in seven years, what would you do? I have no idea. Yep. Yeah. Yep. Yep. Absolutely. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. No. We're hoping to, yeah, pay our mortgage off once we retire. Yep. Yep. Yep. Yep. I don't think so. Not at this stage. Yep. Yep. Yep. Yep. No. I think I've got a pay rise. Let me just have a look. I just got a payslip yesterday. Let's see what that says. So at the moment, it is sitting on a gross of that's shady. No. It doesn't even do your gross in there? No. Wouldn't have a clue. No. Not not yet. Not yet. No. That's all good. I'll just see if I've got that's probably looking better. One before. Sorry. That one's still not doing anything. 75. $75,233. Yep. Yep. Yep. Yep. No. No. I probably might need to increase that just a wee bit. Yep. Right. Yep. Yep. This but that's almost doubling the the monthly income, isn't it? Yeah. No. No. No. Even if you maybe just need to increase it to three. Yep. Yep. Yep. No. No. Yep. Yep. At this stage. Yep. Yep. No. No. Nothing. Yes. I am. Yes. Alright. For you in about seven years. Yep. Yep. It's probably going to increase a bit because we're putting a little tiny home on our block now. So yeah. What was it at? 7. So it might be at maybe 8.5 maybe. Yep. Nope. Nope. As I said, it's tiny home, so that's gonna increase to about $5.20. Wow's the word. Yep. Yeah. So we're going to move our son into that with his partner for four years, pay rent, and then hopefully, we'll privately rent it after that. And that's yeah. Yes. Yeah. A little bit of income later on. Yep. Yep. Yeah. Oh, he probably wants to retire before, but, no, probably around the same time. Yep. Yeah. No. Yep. Yep. No. That's fine. Yep. Yes. We do. Yeah. I think I think there's about five and a half in that at the moment. Yep. No. That's about it. Yes. We do. I think we had it at 60,000. Yep. Yep. Yep. Yes. We do. We put away about 200 of fortnight, I think it is. Yep. Yeah. Yep. No. No. Not at the moment. No. I I think my husband's salary sacrifices at the moment, which is super. Yeah. Yep. Alright. That's about it. Yep. Yep. Yep. No. Not really at this stage. No. No. Just our big project with the tiny home at the moment. Yep. Yep. Yep. Yep. Yep. No. Just happy the way it is at the moment. Yep. Yep. Yep. Yeah. Yep. And now I I know with with as of the July 1 now too, the actual our our boss needs to pay our super every fortnight, whereas he was holding it off till every three months. So, hopefully, every fortnight will make a big difference now. So yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. No. That sounds really good. Yep. Yeah. No. I I I've found out how that works. That's fine. Yep. Yep. Yep. Yep. Yep. No worries. Yes. Yep. Yep. Yep. No. Not since 1992. Was it not at all. That's one of our goals, hopefully, this year is to go and do that. Yeah. Yep. Yep. Yep. Yep. Yeah. Yep. Yeah. Yep. Will do. Yep. Yep. Righto. Yep. Okay. Thank you. Yep. Yep. Yep. Awesome. Yep. Yep. Product. Yep. Yep. Yep. No. I think it covers it all for me. Thank you. Exactly. Okay. Yep. Yep. Yep. Yep. Will do. Yep. You're welcome. Thank you so much. Okay. Yep. Thanks. Bye. 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good. Thank you. Sorry I missed your call. I'm just calling from work now. Yep.\n\nHow long would this take? That's all. No. I've got time now if you've got time. Yep.\n\nYep. Hence, my this is my 02:00 finish. Great. Yep. Exactly.\n\nYep. Yep. Yep. Yep. Yep.\n\nExactly. Yep. Yep. Yep. Yep.\n\nYep. Oh, I don't know. If you're sitting at my age and wanting to retire in seven years, what would you do? I have no idea. Yep.\n\nYeah. Yep. Yep. Absolutely. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yeah. No. We're hoping to, yeah, pay our mortgage off once we retire.\n\nYep. Yep. Yep. Yep. I don't think so.\n\nNot at this stage. Yep. Yep. Yep. Yep.\n\nNo. I think I've got a pay rise. Let me just have a look. I just got a payslip yesterday. Let's see what that says.\n\nSo at the moment, it is sitting on a gross of that's shady. No. It doesn't even do your gross in there? No. Wouldn't have a clue.\n\nNo. Not not yet. Not yet. No. That's all good.\n\nI'll just see if I've got that's probably looking better. One before. Sorry. That one's still not doing anything. 75.\n\n$75,233. Yep. Yep. Yep. Yep.\n\nNo. No. I probably might need to increase that just a wee bit. Yep. Right.\n\nYep. Yep. This but that's almost doubling the the monthly income, isn't it? Yeah. No.\n\nNo. No. Even if you maybe just need to increase it to three. Yep. Yep.\n\nYep. No. No. Yep. Yep.\n\nAt this stage. Yep. Yep. No. No.\n\nNothing. Yes. I am. Yes. Alright.\n\nFor you in about seven years. Yep. Yep. It's probably going to increase a bit because we're putting a little tiny home on our block now. So yeah.\n\nWhat was it at? 7. So it might be at maybe 8.5 maybe. Yep. Nope.\n\nNope. As I said, it's tiny home, so that's gonna increase to about $5.20. Wow's the word. Yep. Yeah.\n\nSo we're going to move our son into that with his partner for four years, pay rent, and then hopefully, we'll privately rent it after that. And that's yeah. Yes. Yeah. A little bit of income later on.\n\nYep. Yep. Yeah. Oh, he probably wants to retire before, but, no, probably around the same time. Yep.\n\nYeah. No. Yep. Yep. No.\n\nThat's fine. Yep. Yes. We do. Yeah.\n\nI think I think there's about five and a half in that at the moment. Yep. No. That's about it. Yes.\n\nWe do. I think we had it at 60,000. Yep. Yep. Yep.\n\nYes. We do. We put away about 200 of fortnight, I think it is. Yep. Yeah.\n\nYep. No. No. Not at the moment. No.\n\nI I think my husband's salary sacrifices at the moment, which is super. Yeah. Yep. Alright. That's about it.\n\nYep. Yep. Yep. No. Not really at this stage.\n\nNo. No. Just our big project with the tiny home at the moment. Yep. Yep.\n\nYep. Yep. Yep. No. Just happy the way it is at the moment.\n\nYep. Yep. Yep. Yeah. Yep.\n\nAnd now I I know with with as of the July 1 now too, the actual our our boss needs to pay our super every fortnight, whereas he was holding it off till every three months. So, hopefully, every fortnight will make a big difference now. So yeah. Yeah. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. No. That sounds really good. Yep. Yeah.\n\nNo. I I I've found out how that works. That's fine. Yep. Yep.\n\nYep. Yep. Yep. No worries. Yes.\n\nYep. Yep. Yep. No. Not since 1992.\n\nWas it not at all. That's one of our goals, hopefully, this year is to go and do that. Yeah. Yep. Yep.\n\nYep. Yep. Yeah. Yep. Yeah.\n\nYep. Will do. Yep. Yep. Righto.\n\nYep. Okay. Thank you. Yep. Yep.\n\nYep. Awesome. Yep. Yep. Product.\n\nYep. Yep. Yep. No. I think it covers it all for me.\n\nThank you. Exactly. Okay. Yep. Yep.\n\nYep. Yep. Will do. Yep. You're welcome.\n\nThank you so much. Okay. Yep. Thanks. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"I'm good.","start":6.64,"end":7.12,"sentiment":"positive","sentiment_score":0.6088444292545319},{"text":"Thank you.","start":7.12,"end":7.68,"sentiment":"positive","sentiment_score":0.6227616667747498},{"text":"Sorry I missed your call.","start":7.68,"end":8.72,"sentiment":"neutral","sentiment_score":-0.018210971355438234},{"text":"I'm just calling from work now.","start":8.72,"end":10.42,"sentiment":"neutral","sentiment_score":0.022703944394985836},{"text":"Yep.","start":19.715,"end":20.115,"sentiment":"neutral","sentiment_score":0.01964158751070499}],"sentiment":"neutral","sentiment_score":0.1580014118226245,"num_words":16,"start":6.64,"end":20.115},{"sentences":[{"text":"How long would this take?","start":20.115,"end":21.235,"sentiment":"neutral","sentiment_score":-0.00530182383954525},{"text":"That's 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Good afternoon, Michelle. This is Dana. How are you this afternoon?\n\nChannel 1: I'm good. Thank you. Sorry I missed your\n\nChannel 0: That's\n\nChannel 1: call. I'm just calling\n\nChannel 0: that's\n\nChannel 1: from work now.\n\nChannel 0: no. That's absolutely fine. I just had you booked in to go through an annual review with you and sort of review your super and your goals. Is now still a good time there for you?\n\nChannel 1: Yep. How long would this\n\nChannel 0: Yeah.\n\nChannel 1: take? That's all.\n\nChannel 0: No. That's okay. Normally, it takes anywhere between fifteen to thirty minutes depending on what you have available. I can try to go through it as quickly as possible. Or if today doesn't suit, I can always reschedule to a more suitable time for you.\n\nWhat would work best for yourself?\n\nChannel 1: No. I've got time now if you've got time.\n\nChannel 0: Yeah. Yeah. Yeah. Absolutely. Not a problem.\n\nIf you like, what we can do is I can touch base on the things I need to, and then we can always come back and just reevaluate if we need to at the end. Okay? If anything comes up and you say you're running out of time, just let me\n\nChannel 1: Yep.\n\nChannel 0: know.\n\nChannel 1: Yep.\n\nChannel 0: Oh, good. How was your day at work?\n\nChannel 1: Hence, my this is my 02:00 finish. Great.\n\nChannel 0: Oh, fantastic. And, hopefully, you have to go home, put your feet up for a little while.\n\nChannel 1: Yep. Exactly.\n\nChannel 0: All good. Michelle, I'll start by just giving you an update on your super there. So as of your last annual review, your balance then was a 167,648.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Your balance this annual review, sorry, is you're up to a 192,693 and 50\n\nChannel 1: Yep.\n\nChannel 0: 2¢. So your balance has increased nicely, which is good to see.\n\nChannel 1: Yep.\n\nChannel 0: When I look at the the portfolio as a whole and the individual investments, as a net return, so after fees and our ongoing service fee, you've actually received a return of 5.76%. So it is a good return. It is realistically a little bit low from what we'd like to see, but with everything that's been going on in the world with The US and the Iran\n\nChannel 1: Yep.\n\nChannel 0: war and high inflationary pressures here in Australia, we understand there is a bit more volatility there. So to come out with a positive return is still a good thing for you. Okay?\n\nChannel 1: Exactly. Yep.\n\nChannel 0: Yeah. I have had a look at the individual investments as well. I can see there are a couple that are just underperforming a little bit in your portfolio as well. So I wanted to just sort of check-in with you as well. I would\n\nChannel 1: Yep.\n\nChannel 0: like to maybe update the advice for you, maybe reevaluate the portfolio, and look and see if we can structure it to make it some you know, a bit more growth out of there long term for you. Does that sound like something you'd be comfortable with me doing?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Fantastic. One of the things I do like to sort of touch on as well is having the ban along Australian equities in your portfolio, this portfolio was structured that investment to be a little bit more actively managed. So with an active manager in your portfolio, they're trying to buy and sell in a more effective way. They're trying to pick the top and the bottom of the market and find underperforming investments and things like that, and they're also trying to outperform the market.\n\nBut you do pay a bit more to have those active managers in your portfolio. Would you like me to look at restructuring it to make it more cost effective, a bit cheaper for you,\n\nChannel 1: Yep.\n\nChannel 0: and look at something a bit more passively managed or lower risk, or did you want me to keep maybe an active manager in there for you? What would you like to see?\n\nChannel 1: Oh, I don't know. If you're sitting at my age and wanting to retire in seven years, what would you do?\n\nChannel 0: I would honestly\n\nChannel 1: I have no\n\nChannel 0: be looking\n\nChannel 1: idea.\n\nChannel 0: at no. Honestly, it's a really good point to make because if I was in your position looking at my portfolio, I wanna be taking a little bit less risk in the market. I know especially with this year and with the\n\nChannel 1: Yep.\n\nChannel 0: ups and downs we have been feeling, I wouldn't be one of be seeing major ups and downs over the next seven years. I would\n\nChannel 1: Yeah.\n\nChannel 0: wanna be starting to put protections in place,\n\nChannel 1: Yep.\n\nChannel 0: maybe see if I can lower the fees in my portfolio a bit,\n\nChannel 1: Yep.\n\nChannel 0: and also make sure those returns are compounding for those those last seven years of working life. Does that make sense to you? Is that\n\nChannel 1: Absolutely.\n\nChannel 0: what you're comfortable with? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Excellent.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. With your insurances there as well, now you do have your MetLife policy. You've got your life sorry. I'm just going back to here. MetLife.\n\nYou've got your life cover, which currently has a sum insured of 221,340. So if you were to pass away today, you've got your super balance there of 190 what did you say? 100\n\nChannel 1: Yep.\n\nChannel 0: and 93,000 plus your life insurance of 221,000. So giving you a bit over 414,000\n\nChannel 1: Yep.\n\nChannel 0: in life cover.\n\nChannel 1: Yep.\n\nChannel 0: In the event of that happening, I I'm assuming you wanna have that all paid out to Michael so he can, you know, have a expenditure. Are you sort of hoping\n\nChannel 1: Yep.\n\nChannel 0: to have your mortgage paid off in that scenario? What are you wanting him to be able to do with those funds?\n\nChannel 1: Yep. Yeah. No. We're hoping to, yeah, pay our mortgage off once we retire. Yep.\n\nChannel 0: Yep. Yep. Beautiful. So if you were to, like, pass away and claim that life insurance and have that extra\n\nChannel 1: Yep.\n\nChannel 0: money there,\n\nChannel 1: Yep.\n\nChannel 0: paying out the mortgage would essentially leave you with about or would leave him with about 94,000, which\n\nChannel 1: Yep.\n\nChannel 0: he could utilize to offset. Are you fairly comfortable with that life cover amount you have? Did you wanna alter or look at changing that at all?\n\nChannel 1: I don't think so. Not at this stage.\n\nChannel 0: No. That's okay. That's absolutely\n\nChannel 1: Yep.\n\nChannel 0: fine. Excellent.\n\nChannel 1: Yep.\n\nChannel 0: And you've also got your income protection cover there at the moment. It does\n\nChannel 1: Yep.\n\nChannel 0: have a pretax monthly benefit there of 2,167.\n\nChannel 1: Yep.\n\nChannel 0: Your income, we had noted last time, was that you were on about 50,000. Are you on the same income, or have you got a pay rise there at all?\n\nChannel 1: No. I think I've got a pay rise.\n\nChannel 0: That's okay. Do you know roughly what that might look like at the moment or what you might be earning per year estimated or even just your gross weekly or fortnightly figure?\n\nChannel 1: Let me just have a look. I just got a payslip yesterday. Let's see what that\n\nChannel 0: You're\n\nChannel 1: says.\n\nChannel 0: alright.\n\nChannel 1: So at the moment, it is sitting on a gross of that's shady. No. It doesn't even do your gross in there? No. Wouldn't have a clue.\n\nChannel 0: It's not showing you. That's okay. You haven't done your tax return already for last financial\n\nChannel 1: No.\n\nChannel 0: year at\n\nChannel 1: Not\n\nChannel 0: all?\n\nChannel 1: not\n\nChannel 0: No.\n\nChannel 1: yet.\n\nChannel 0: No.\n\nChannel 1: Not\n\nChannel 0: That's\n\nChannel 1: yet.\n\nChannel 0: okay. Do you remember what your having a look at your last payslip at the end of the financial year, what the total for the year might have looked like? Or\n\nChannel 1: No. That's all good. I'll just see if I've got\n\nChannel 0: sorry. You're right.\n\nChannel 1: that's probably looking better. One before. Sorry. That one's still not doing\n\nChannel 0: No.\n\nChannel 1: anything.\n\nChannel 0: You're fine.\n\nChannel 1: 75.\n\nChannel 0: About 75,000?\n\nChannel 1: $75,233.\n\nChannel 0: Fantastic. That's a really good increase.\n\nChannel 1: Yep.\n\nChannel 0: 35. Fantastic. So, realistically, income protection wise, you are a little bit underinsured for the amount you can be covered for based on your income.\n\nChannel 1: Yep.\n\nChannel 0: The main we could look at increasing if you wanted to, but increasing it does mean you pay more in premiums as well. In the event of you not being able to work in the short term due to illness or injury,\n\nChannel 1: Yep.\n\nChannel 0: does\n\nChannel 1: Yep.\n\nChannel 0: Marco earn enough to sort of cover expenditure? Would that be okay\n\nChannel 1: No.\n\nChannel 0: with the amount you have, or would you need to increase income protection?\n\nChannel 1: No. I probably might need to increase that just a wee bit.\n\nChannel 0: Yep. Yep. That's okay. So with income protection, you can be covered for up to 70% of your income. So if\n\nChannel 1: Yep.\n\nChannel 0: we base that on the amount you've got there so we're looking at $75.05. So by 12, it means that we would need to sort of cover you for a monthly benefit of $4,388 as a monthly benefits pretax.\n\nChannel 1: Right.\n\nChannel 0: Did you want us to go forward and look at I'm gonna update the advice and reflect, obviously, the changes to superannuation and structuring your super. Did\n\nChannel 1: Yep.\n\nChannel 0: you want me to maybe include the increase in income protection there for you as well just to start just sort of show you the difference, how that impacts you, what the cost is, and what sort of contract terms would be offered?\n\nChannel 1: Yep. This but that's almost doubling the the monthly income, isn't\n\nChannel 0: Yep.\n\nChannel 1: it?\n\nChannel 0: It basically is yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Because you've got two\n\nChannel 1: No.\n\nChannel 0: one six seven at the moment. You don't\n\nChannel 1: No.\n\nChannel 0: have to have the full 70. You can always\n\nChannel 1: No.\n\nChannel 0: increase it by a little bit. You happy just to leave it as is?\n\nChannel 1: Even if you maybe just need to increase it to three.\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Not a problem at all.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. I just also wanted to double check health wise as well because when we are looking at increasing life insurance and income protection policies, especially, because insurance, your health does get an or they do do additional underwriting to the policy. So I just wanna make sure there's no major changes to your health that I need to factor into anything for you\n\nChannel 1: Yep.\n\nChannel 0: Just so\n\nChannel 1: No.\n\nChannel 0: when we update\n\nChannel 1: No.\n\nChannel 0: the advice. It's all okay still.\n\nChannel 1: Yep. Yep. At\n\nChannel 0: Yep.\n\nChannel 1: this stage.\n\nChannel 0: Beautiful. Beautiful. On the last free assessment there, we just had it noted that there was a family history of sorry. Your father had a heart attack at the age of 40.\n\nChannel 1: Yep.\n\nChannel 0: I had no written to everything else and no\n\nChannel 1: Yep.\n\nChannel 0: major conditions or illness or injuries\n\nChannel 1: No.\n\nChannel 0: in the past couple of years to be worried about.\n\nChannel 1: No.\n\nChannel 0: Beautiful.\n\nChannel 1: Nothing.\n\nChannel 0: Excellent. And you're still working at the DP's office?\n\nChannel 1: Yes. I am.\n\nChannel 0: Fantastic. And we're looking to retire in the next seven years still?\n\nChannel 1: Yes. Alright. For\n\nChannel 0: Yep.\n\nChannel 1: you in\n\nChannel 0: Beautiful.\n\nChannel 1: about seven years. Yep.\n\nChannel 0: Excellent. Excellent. Assets and liability wise, we had your main primary residence down last year at about 700,000. What sort of value do you think you've put on that property at the moment? Do you think that's increased a bit or altered?\n\nChannel 1: Yep. It's probably going to increase a bit because we're putting a little tiny home on our block now. So\n\nChannel 0: Oh, fantastic.\n\nChannel 1: yeah. What was it at? 7. So it might be at maybe 8.5 maybe.\n\nChannel 0: Yeah. Beautiful. 8,000\n\nChannel 1: Yep.\n\nChannel 0: 800,000 850,000. Beautiful. And the mortgage there was about 320,000. Have you reduced that a little bit with these interest\n\nChannel 1: Nope.\n\nChannel 0: rate rises? No.\n\nChannel 1: Nope. As I said, it's tiny home, so that's gonna increase to about $5.20.\n\nChannel 0: Oh, wow. Increased to 520,000.\n\nChannel 1: Wow's the word. Yep.\n\nChannel 0: Yeah. All\n\nChannel 1: Yeah.\n\nChannel 0: this money to outlay. What's the plan with the tiny home moving forward?\n\nChannel 1: So we're going to move our son into that with his partner for four years, pay rent, and then hopefully, we'll privately rent it after that.\n\nChannel 0: Yep. Oh, fantastic.\n\nChannel 1: And\n\nChannel 0: And is\n\nChannel 1: that's\n\nChannel 0: that something\n\nChannel 1: yeah.\n\nChannel 0: you you're right. Is that something you're gonna keep renting into\n\nChannel 1: Yes.\n\nChannel 0: retirement to maybe supplement the\n\nChannel 1: Yeah.\n\nChannel 0: income?\n\nChannel 1: A little\n\nChannel 0: Yeah.\n\nChannel 1: bit of income later on. Yep.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Incoming\n\nChannel 1: Yeah.\n\nChannel 0: retirement. Love that. And will Michael be planning to retire at the same time you are?\n\nChannel 1: Oh, he probably wants to retire before, but, no, probably around the same time.\n\nChannel 0: About the same time. Yeah. No. Not a problem\n\nChannel 1: Yep.\n\nChannel 0: at all. Excellent. I also had two cars and a caravan noted with a combined asset value of 35,000. Would you continue with that same valuation or\n\nChannel 1: Yeah.\n\nChannel 0: decrease\n\nChannel 1: No.\n\nChannel 0: or alter that\n\nChannel 1: Yep.\n\nChannel 0: the same?\n\nChannel 1: Yep. No.\n\nChannel 0: Beautiful.\n\nChannel 1: That's fine. Yep.\n\nChannel 0: Excellent. I've also got a credit card here with a limit of 2,500. Do you still happen to have that credit card there?\n\nChannel 1: Yes. We do.\n\nChannel 0: Yep. Beautiful. And I've got savings and offset account with had about 3,000 in the last time. I know the tiny home's probably eaten some of your savings up as well. But do you still have anything in savings there at\n\nChannel 1: Yeah.\n\nChannel 0: the moment\n\nChannel 1: I\n\nChannel 0: or\n\nChannel 1: think\n\nChannel 0: still\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: think\n\nChannel 0: it?\n\nChannel 1: there's about five and a half in that at the moment.\n\nChannel 0: Oh, fantastic. That's excellent.\n\nChannel 1: Yep.\n\nChannel 0: Lovely. Fantastic. And any other, you know, crypto or any other sort of valuables that you'd note down?\n\nChannel 1: No. That's about it.\n\nChannel 0: Nope. That's okay. Another thing I do like to note down is content. Do you have content insurance?\n\nChannel 1: Yes. We do.\n\nChannel 0: Yeah. Do you know what you would value your content at, do you\n\nChannel 1: I\n\nChannel 0: think?\n\nChannel 1: think we had it at 60,000.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. And I I know you've got that savings account there with the tiny home, and most of your money is\n\nChannel 1: Yep.\n\nChannel 0: probably going to your mortgage in a tiny home\n\nChannel 1: Yep.\n\nChannel 0: building. But are you managing to sort of put enough away in savings or anything in savings on a regular basis? Are you\n\nChannel 1: Yes. We\n\nChannel 0: dedicating\n\nChannel 1: do. We put\n\nChannel 0: savings?\n\nChannel 1: away about 200 of fortnight, I think it is. Yep.\n\nChannel 0: Yeah. Beautiful. A fortnight.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent.\n\nChannel 1: Yep.\n\nChannel 0: All good. And I can see here we're not really salary sacrificing or putting anything additional in the soup at the moment. Are\n\nChannel 1: No.\n\nChannel 0: you open to doing that to build soup a little bit more, or you're not really in a position to do so?\n\nChannel 1: No. Not at the moment. No.\n\nChannel 0: No. That's okay. That's alright. Did\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: wanna\n\nChannel 1: think\n\nChannel 0: maybe\n\nChannel 1: my husband's\n\nChannel 0: book it down\n\nChannel 1: salary\n\nChannel 0: to\n\nChannel 1: sacrifices\n\nChannel 0: us?\n\nChannel 1: at the moment, which is\n\nChannel 0: Yeah.\n\nChannel 1: super. Yeah.\n\nChannel 0: Yep. Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Not a problem at all. Excellent. And I've still got you down part time. You're working about thirty four hours a week still.\n\nChannel 1: Alright.\n\nChannel 0: Is that\n\nChannel 1: That's about it.\n\nChannel 0: right?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Excellent. Any other medium term goals? I know we've got the tiny home there getting that built in and you're standing there, then long term being able to rent that out.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any other goals that you're sort of looking to achieve in the next one, two, or three years?\n\nChannel 1: No. Not really at this stage. No.\n\nChannel 0: That's okay.\n\nChannel 1: No.\n\nChannel 0: Beautiful.\n\nChannel 1: Just our big project with the tiny home at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: No. That's okay. Not a problem at all. And you don't you've got your life and your income protection policies there. You don't really have any TBD cover.\n\nSo at the moment, in the\n\nChannel 1: Yep.\n\nChannel 0: event of, say, a permanent incapacity or a total permanent disability, with not having any PVD cover there. It does mean we just have to be able to rely on your super. And you\n\nChannel 1: Yep.\n\nChannel 0: claim can claim incapacity or PVD against your super, which releases it back for you.\n\nChannel 1: Yep.\n\nChannel 0: Are you happy with not having any CBD or\n\nChannel 1: Yep.\n\nChannel 0: trauma or any other additional insurances? Is it sort of happy with\n\nChannel 1: No. Just\n\nChannel 0: you've\n\nChannel 1: happy\n\nChannel 0: got?\n\nChannel 1: the way it is at the moment.\n\nChannel 0: Beautiful. Well, what I'll do is I'll go back, and I'll look at the advice for you just to restructure your super investments, maybe remove anything that's underperforming.\n\nChannel 1: Yep.\n\nChannel 0: I'll look\n\nChannel 1: Yep.\n\nChannel 0: if we can\n\nChannel 1: Yep.\n\nChannel 0: get that working a bit harder for you and compounding over the next sort of seven years towards your retirement.\n\nChannel 1: Yeah. Yep. And now I I know with with as of the July 1 now too, the actual our our boss needs to\n\nChannel 0: Yeah.\n\nChannel 1: pay our super every fortnight, whereas he was holding it off till every three months.\n\nChannel 0: Yeah. Yes.\n\nChannel 1: So,\n\nChannel 0: Yes.\n\nChannel 1: hopefully, every fortnight will make a big difference now. So\n\nChannel 0: Absolutely. That's one of\n\nChannel 1: yeah.\n\nChannel 0: the big things is that's gonna call give you real proper dollar cost averaging. So\n\nChannel 1: Yeah.\n\nChannel 0: more money going smaller amounts going in on a more regular basis does provide a much greater benefit. You really take advantage of the market ups and downs and\n\nChannel 1: Yeah.\n\nChannel 0: can provide\n\nChannel 1: Yep.\n\nChannel 0: greater diversification. So, yeah, no. That should should make a much more greater difference or make sure your super is evaluated and working harder. I'll look to increase your income protection policy to a monthly benefit of 3,000 even for you.\n\nChannel 1: Yep.\n\nChannel 0: As part of the advice, I'll show you what the increased cost looks like, how that's\n\nChannel 1: Yep.\n\nChannel 0: projected\n\nChannel 1: Yep.\n\nChannel 0: over the next seven years for you as well. That way, you can see everything in writing and let me know whether you're happy to take that onboard or\n\nChannel 1: Yep.\n\nChannel 0: not. Does that sound\n\nChannel 1: Yep.\n\nChannel 0: okay?\n\nChannel 1: No. That sounds\n\nChannel 0: Yep.\n\nChannel 1: really good. Yep.\n\nChannel 0: Fantastic. With your income protection policy, you have a ninety day wait and a two year benefit period. Do you understand how those work? Did you have any questions around the insurance\n\nChannel 1: Yeah.\n\nChannel 0: side of\n\nChannel 1: No.\n\nChannel 0: things?\n\nChannel 1: I I I've found out how\n\nChannel 0: No.\n\nChannel 1: that works. That's fine. Yep.\n\nChannel 0: Excellent. Excellent. With the ninety day waiting, because you just have to be off work for that time frame, I always let everyone know as soon as you are off work due to an illness or an injury and you feel like you're gonna be off that time frame, let us know as soon as possible. That way we\n\nChannel 1: Yep.\n\nChannel 0: can let the insurer know. That way\n\nChannel 1: Yep.\n\nChannel 0: they can start counting that ninety day waiting period for you. Get the claim forms ready to go. So once you keep that waiting period, then we can submit everything and make it as easy as possible for you.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep. No worries.\n\nChannel 0: Beautiful. So I'll keep the ninety day waiting to your benefit period for you and show you the additional side of things. Estate planning side of things. Now I've got it down here. Your beneficiaries, you want your super and life cover all to be paid to Michael in the event of passing for a 100% of your benefit.\n\nThat's\n\nChannel 1: Yes.\n\nChannel 0: still perfect and accurate.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Fantastic. And have you guys drawn off a will? Have you ever sort of spoken to a solicitor and had a will updated?\n\nChannel 1: No. Not since\n\nChannel 0: No.\n\nChannel 1: 1992.\n\nChannel 0: Well and how appropriate do you think that will still gonna be?\n\nChannel 1: Was it not at all. That's one of our goals, hopefully, this year is to go and do that.\n\nChannel 0: Absolutely. Especially\n\nChannel 1: Yeah.\n\nChannel 0: with building a tiny home\n\nChannel 1: Yep.\n\nChannel 0: and ongoing. You've got a lot. You've worked really hard protecting your assets as much as, you know, you've got a lot of liabilities and credit cards and cars and things like that.\n\nChannel 1: Yep.\n\nChannel 0: In the event of something happening to one or both of you, it all kinda has to be directed to where you want it to be, and making sure it is all looked after is a big thing,\n\nChannel 1: Yep.\n\nChannel 0: unfortunately.\n\nChannel 1: Yep.\n\nChannel 0: In our industry, we do see people passing away in test state quite regularly, and it can be a very difficult time for families. People can come forward and make a claim. There's no guarantees\n\nChannel 1: Yeah.\n\nChannel 0: they'll get it, but making\n\nChannel 1: Yep.\n\nChannel 0: a claim on someone's estate does make the process harder. So\n\nChannel 1: Yeah.\n\nChannel 0: it is\n\nChannel 1: Yep.\n\nChannel 0: definitely worth making sure you update that. You\n\nChannel 1: Will\n\nChannel 0: can\n\nChannel 1: do.\n\nChannel 0: seek a local solicitor if it's easier for you. Otherwise, different states also have access to, like, government agencies, like in New South Wales. So I reside. We have the, like, new RMS and, I think, Queensland, you can do the same thing. And you just sort of can do a will online or over the phone.\n\nThey are much cheaper than seeing a solicitor. And if\n\nChannel 1: Yep.\n\nChannel 0: it's just a standard straightforward will, it can be a much easier process for you. So if\n\nChannel 1: Yep.\n\nChannel 0: you ever wanted information on that, let me know.\n\nChannel 1: Righto.\n\nChannel 0: I can always\n\nChannel 1: Yep.\n\nChannel 0: throw up an information email there for you. Okay.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: All good. On the email, I have sent you through an email with the annual review documents there for you. It does have your updated super and insurance summary giving you an update of your balance and the insurances that you do hold. It's got your MetLife certificate of currency there as well, and\n\nChannel 1: Yep.\n\nChannel 0: it's also got the performance report so you can see what I went through. It does also have your ongoing service agreement for the next twelve months there. So you do pay an ongoing service fee. It\n\nChannel 1: Yep.\n\nChannel 0: is 1.65 per annum, and it after that if you're super in smaller monthly increments. We'll keep it going for the next twelve months if you're happy to stay on board and allows us to provide updated advice to keep you on track towards your goals there as well. Okay?\n\nChannel 1: Yep. Awesome. Yep.\n\nChannel 0: Excellent. The only other document we have added there that's different to most other years is a tax file opt in form. So we do hold your tax file number. We do are required to do so.\n\nChannel 1: Yep.\n\nChannel 0: But we just wanna make sure you're aware that we do hold it. We are very security conscious. That's why we do security. Whenever you call us and we call you, just making sure that the information we hold on you, because it is sensitive, is all protected under the privacy act. So that form is in there.\n\nIf you could just sign and return those back when you get a chance, that'd be fabulous.\n\nChannel 1: Product. Yep.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: I've\n\nChannel 1: Yep.\n\nChannel 0: touched on a lot, and, hopefully, I haven't taken up too much of your time there. But do you have any additional questions there at all, Michelle? Or\n\nChannel 1: No. I think it covers it all for\n\nChannel 0: yeah.\n\nChannel 1: me.\n\nChannel 0: Fantastic. Fantastic. Well, I will let you go so you can enjoy the rest of your afternoon. Put\n\nChannel 1: Thank\n\nChannel 0: your feet\n\nChannel 1: you.\n\nChannel 0: up and enjoy a nice drink of some sort, tea, coffee, whatever you you\n\nChannel 1: Exactly.\n\nChannel 0: Thank you. I'll I'll get cracking on this reset there for you. Essentially, if there is anything additional, we'll let you know in the meantime. I'm\n\nChannel 1: Okay.\n\nChannel 0: also just gonna really quickly check your ID is up to date as well. So\n\nChannel 1: Yep.\n\nChannel 0: sorry. Just because when we provide financial advice, we do need to make sure we have your ID up to date, and yours is all in date. That's absolutely fine. Thank you so much.\n\nChannel 1: Yep.\n\nChannel 0: I will let you go, Michelle. If there's anything that comes up question wise, please let me know. And, yeah, if you\n\nChannel 1: Yep.\n\nChannel 0: have a look\n\nChannel 1: Yep.\n\nChannel 0: through those documents, if you find you have any questions that come out of that, just let me know as well. Okay.\n\nChannel 1: Will do.\n\nChannel 0: Thank you so much for your time. I appreciate you calling me back.\n\nChannel 1: Yep. You're welcome. Thank you so much.\n\nChannel 0: No worries. You enjoy your afternoon. Talk to\n\nChannel 1: Okay.\n\nChannel 0: you soon.\n\nChannel 1: Yep.\n\nChannel 0: Thanks.\n\nChannel 1: Thanks. Bye.\n\nChannel 0: See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":3.04,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.22896799445152283},{"text":"Good afternoon, Michelle.","start":3.1999998,"end":4.16,"sentiment":"positive","sentiment_score":0.42201019326845807},{"text":"This is Dana.","start":4.16,"end":4.88,"sentiment":"positive","sentiment_score":0.39531474312146503},{"text":"How are you this afternoon?","start":4.88,"end":6.1,"sentiment":"positive","sentiment_score":0.4167262434959412}],"sentiment":"positive","sentiment_score":0.39704783509174985,"channel":0,"num_words":12,"start":3.04,"end":6.1},{"sentences":[{"text":"I'm good.","start":6.64,"end":7.12,"sentiment":"positive","sentiment_score":0.6088444292545319},{"text":"Thank you.","start":7.12,"end":7.68,"sentiment":"positive","sentiment_score":0.6227616667747498},{"text":"Sorry I missed your","start":7.68,"end":8.48,"sentiment":"neutral","sentiment_score":-0.02106226049363613}],"sentiment":"neutral","sentiment_score":0.29737039376050234,"channel":1,"num_words":8,"start":6.64,"end":8.48},{"sentences":[{"text":"That's","start":8.32,"end":8.82,"sentiment":"neutral","sentiment_score":-0.01637551747262478}],"sentiment":"neutral","sentiment_score":-0.01637551747262478,"channel":0,"num_words":1,"start":8.32,"end":8.82},{"sentences":[{"text":"call.","start":8.48,"end":8.72,"sentiment":"neutral","sentiment_score":-0.006805814802646637},{"text":"I'm just calling","start":8.72,"end":9.36,"sentiment":"neutral","sentiment_score":0.03557595486442248}],"sentiment":"neutral","sentiment_score":0.0249805124476552,"channel":1,"num_words":4,"start":8.48,"end":9.36},{"sentences":[{"text":"that's","start":9.28,"end":9.78,"sentiment":"neutral","sentiment_score":0.02675667777657509}],"sentiment":"neutral","sentiment_score":0.02675667777657509,"channel":0,"num_words":1,"start":9.28,"end":9.78},{"sentences":[{"text":"from work now.","start":9.36,"end":10.42,"sentiment":"neutral","sentiment_score":0.009831933925549189}],"sentiment":"neutral","sentiment_score":0.009831933925549189,"channel":1,"num_words":3,"start":9.36,"end":10.42},{"sentences":[{"text":"no.","start":10.559999,"end":10.8,"sentiment":"neutral","sentiment_score":-0.017206523567438126},{"text":"That's absolutely fine.","start":10.8,"end":12.4,"sentiment":"neutral","sentiment_score":0.32274890939394635},{"text":"I just had you booked in to go through an annual review with you and sort of review your super and your goals.","start":12.4,"end":17.474998,"sentiment":"neutral","sentiment_score":0.3040361164704613},{"text":"Is now still a good time there for you?","start":17.474998,"end":19.574999,"sentiment":"neutral","sentiment_score":0.3231033914619022}],"sentiment":"neutral","sentiment_score":0.3014389279608925,"channel":0,"num_words":36,"start":10.559999,"end":19.574999},{"sentences":[{"text":"Yep.","start":19.715,"end":20.115,"sentiment":"neutral","sentiment_score":0.01964158751070499},{"text":"How long would this","start":20.115,"end":20.994999,"sentiment":"neutral","sentiment_score":-0.006465329322963953}],"sentiment":"neutral","sentiment_score":-0.0012439459562301643,"channel":1,"num_words":5,"start":19.715,"end":20.994999},{"sentences":[{"text":"Yeah.","start":20.914999,"end":21.414999,"sentiment":"neutral","sentiment_score":-0.007205210626125336}],"sentiment":"neutral","sentiment_score":-0.007205210626125336,"channel":0,"num_words":1,"start":20.914999,"end":21.414999},{"sentences":[{"text":"take?","start":20.994999,"end":21.235,"sentiment":"neutral","sentiment_score":-0.0006478019058704376},{"text":"That's all.","start":21.235,"end":22.055,"sentiment":"neutral","sentiment_score":0.017060711979866028}],"sentiment":"neutral","sentiment_score":0.011157874017953873,"channel":1,"num_words":3,"start":20.994999,"end":22.055},{"sentences":[{"text":"No.","start":22.195,"end":22.435,"sentiment":"neutral","sentiment_score":-0.05209251120686531},{"text":"That's okay.","start":22.435,"end":23.074999,"sentiment":"neutral","sentiment_score":-0.008616806473582983},{"text":"Normally, it takes anywhere between fifteen to thirty minutes depending on what you have available.","start":23.074999,"end":27.814999,"sentiment":"neutral","sentiment_score":0.024512228990594544},{"text":"I can try to go through it as quickly as possible.","start":27.954998,"end":30.119999,"sentiment":"neutral","sentiment_score":0.07518775862726298},{"text":"Or if today doesn't suit, I can always reschedule to a more suitable time for you.","start":30.119999,"end":34.46,"sentiment":"neutral","sentiment_score":-0.01739177794661373}],"sentiment":"neutral","sentiment_score":0.018825649076865777,"channel":0,"num_words":45,"start":22.195,"end":34.46},{"sentences":[{"text":"What would work best for 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can enjoy the rest of your afternoon.","start":1202.98,"end":1206.12,"sentiment":"positive","sentiment_score":0.5266391177972157},{"text":"Put","start":1206.4199,"end":1206.58,"sentiment":"neutral","sentiment_score":0.2363821417093277}],"sentiment":"positive","sentiment_score":0.5152452679144012,"channel":0,"num_words":18,"start":1201.2999,"end":1206.58},{"sentences":[{"text":"Thank","start":1206.425,"end":1206.745,"sentiment":"neutral","sentiment_score":0.2871880829334259}],"sentiment":"neutral","sentiment_score":0.2871880829334259,"channel":1,"num_words":1,"start":1206.425,"end":1206.745},{"sentences":[{"text":"your feet","start":1206.58,"end":1206.98,"sentiment":"neutral","sentiment_score":0.33307190239429474}],"sentiment":"neutral","sentiment_score":0.33307190239429474,"channel":0,"num_words":2,"start":1206.58,"end":1206.98},{"sentences":[{"text":"you.","start":1206.745,"end":1207.245,"sentiment":"positive","sentiment_score":0.3509327173233032}],"sentiment":"positive","sentiment_score":0.3509327173233032,"channel":1,"num_words":1,"start":1206.745,"end":1207.245},{"sentences":[{"text":"up and enjoy a nice drink of some sort, tea, coffee, whatever you you","start":1206.98,"end":1210.84,"sentiment":"positive","sentiment_score":0.3846408064876284}],"sentiment":"positive","sentiment_score":0.3846408064876284,"channel":0,"num_words":14,"start":1206.98,"end":1210.84},{"sentences":[{"text":"Exactly.","start":1210.86,"end":1211.36,"sentiment":"neutral","sentiment_score":0.2936846911907196}],"sentiment":"neutral","sentiment_score":0.2936846911907196,"channel":1,"num_words":1,"start":1210.86,"end":1211.36},{"sentences":[{"text":"Thank you.","start":1212.825,"end":1213.385,"sentiment":"positive","sentiment_score":0.4964095950126648},{"text":"I'll I'll get cracking on this reset there for you.","start":1213.385,"end":1216.125,"sentiment":"neutral","sentiment_score":0.27046862691640855},{"text":"Essentially, if there is anything additional, we'll let you know in the meantime.","start":1216.505,"end":1219.8049,"sentiment":"neutral","sentiment_score":0.14310666231008676},{"text":"I'm","start":1220.105,"end":1220.345,"sentiment":"neutral","sentiment_score":0.09393733739852904}],"sentiment":"neutral","sentiment_score":0.21737805410073355,"channel":0,"num_words":26,"start":1212.825,"end":1220.345},{"sentences":[{"text":"Okay.","start":1220.3,"end":1220.8,"sentiment":"neutral","sentiment_score":0.12191692739725112}],"sentiment":"neutral","sentiment_score":0.12191692739725112,"channel":1,"num_words":1,"start":1220.3,"end":1220.8},{"sentences":[{"text":"also just gonna really quickly check your ID is up to date as well.","start":1220.345,"end":1223.705,"sentiment":"neutral","sentiment_score":0.11789074167609215},{"text":"So","start":1223.705,"end":1223.945,"sentiment":"neutral","sentiment_score":0.08445362001657486}],"sentiment":"neutral","sentiment_score":0.11566160023212432,"channel":0,"num_words":15,"start":1220.345,"end":1223.945},{"sentences":[{"text":"Yep.","start":1223.9,"end":1224.4,"sentiment":"neutral","sentiment_score":0.07826972752809525}],"sentiment":"neutral","sentiment_score":0.07826972752809525,"channel":1,"num_words":1,"start":1223.9,"end":1224.4},{"sentences":[{"text":"sorry.","start":1223.945,"end":1224.445,"sentiment":"neutral","sentiment_score":0.03133831173181534},{"text":"Just because when we provide financial advice, we do need to make sure we have your ID up to date, and yours is all in date.","start":1225.1699,"end":1231.1699,"sentiment":"neutral","sentiment_score":0.07380879054275843},{"text":"That's absolutely fine.","start":1231.1699,"end":1232.5299,"sentiment":"positive","sentiment_score":0.41065189242362976},{"text":"Thank you so much.","start":1232.5299,"end":1233.99,"sentiment":"positive","sentiment_score":0.7278810292482376}],"sentiment":"neutral","sentiment_score":0.17923078412080512,"channel":0,"num_words":34,"start":1223.945,"end":1233.99},{"sentences":[{"text":"Yep.","start":1234.035,"end":1234.535,"sentiment":"neutral","sentiment_score":0.2014276385307312}],"sentiment":"neutral","sentiment_score":0.2014276385307312,"channel":1,"num_words":1,"start":1234.035,"end":1234.535},{"sentences":[{"text":"I will let you go, Michelle.","start":1235.33,"end":1236.5299,"sentiment":"neutral","sentiment_score":0.2373183791836103},{"text":"If there's anything that comes up question wise, please let me know.","start":1236.5299,"end":1239.525,"sentiment":"neutral","sentiment_score":0.1419747273127238},{"text":"And, yeah, if you","start":1239.525,"end":1240.1649,"sentiment":"neutral","sentiment_score":0.08271553367376328}],"sentiment":"neutral","sentiment_score":0.15720314261588184,"channel":0,"num_words":22,"start":1235.33,"end":1240.1649},{"sentences":[{"text":"Yep.","start":1240.115,"end":1240.47,"sentiment":"neutral","sentiment_score":0.07137124240398407}],"sentiment":"neutral","sentiment_score":0.07137124240398407,"channel":1,"num_words":1,"start":1240.115,"end":1240.47},{"sentences":[{"text":"have a look","start":1240.1649,"end":1240.565,"sentiment":"neutral","sentiment_score":0.07442475855350494}],"sentiment":"neutral","sentiment_score":0.07442475855350494,"channel":0,"num_words":3,"start":1240.1649,"end":1240.565},{"sentences":[{"text":"Yep.","start":1240.47,"end":1240.97,"sentiment":"neutral","sentiment_score":0.015446835197508337}],"sentiment":"neutral","sentiment_score":0.015446835197508337,"channel":1,"num_words":1,"start":1240.47,"end":1240.97},{"sentences":[{"text":"through those documents, if you find you have any questions that come out of that, just let me know as well.","start":1240.565,"end":1244.725,"sentiment":"neutral","sentiment_score":0.15776840100685754},{"text":"Okay.","start":1244.725,"end":1245.225,"sentiment":"neutral","sentiment_score":0.22176405787467957}],"sentiment":"neutral","sentiment_score":0.16067729450084947,"channel":0,"num_words":22,"start":1240.565,"end":1245.225},{"sentences":[{"text":"Will do.","start":1245.4299,"end":1246.1699,"sentiment":"positive","sentiment_score":0.3927072733640671}],"sentiment":"positive","sentiment_score":0.3927072733640671,"channel":1,"num_words":2,"start":1245.4299,"end":1246.1699},{"sentences":[{"text":"Thank you so much for your time.","start":1246.405,"end":1247.845,"sentiment":"positive","sentiment_score":0.8154621975762504},{"text":"I appreciate you calling me back.","start":1247.845,"end":1249.705,"sentiment":"positive","sentiment_score":0.7386111418406168}],"sentiment":"positive","sentiment_score":0.7799924795444195,"channel":0,"num_words":13,"start":1246.405,"end":1249.705},{"sentences":[{"text":"Yep.","start":1249.83,"end":1250.07,"sentiment":"positive","sentiment_score":0.4398902356624603},{"text":"You're welcome.","start":1250.07,"end":1250.71,"sentiment":"positive","sentiment_score":0.665553867816925},{"text":"Thank you so much.","start":1250.71,"end":1251.85,"sentiment":"positive","sentiment_score":0.8089198172092438}],"sentiment":"positive","sentiment_score":0.7152396057333265,"channel":1,"num_words":7,"start":1249.83,"end":1251.85},{"sentences":[{"text":"No worries.","start":1252.1929,"end":1252.7529,"sentiment":"positive","sentiment_score":0.5154927372932434},{"text":"You enjoy your afternoon.","start":1252.7529,"end":1254.1329,"sentiment":"positive","sentiment_score":0.664270207285881},{"text":"Talk to","start":1254.1929,"end":1254.513,"sentiment":"neutral","sentiment_score":0.30111268162727356}],"sentiment":"positive","sentiment_score":0.5362864583730698,"channel":0,"num_words":8,"start":1252.1929,"end":1254.513},{"sentences":[{"text":"Okay.","start":1254.4729,"end":1254.9729,"sentiment":"neutral","sentiment_score":0.29941266775131226}],"sentiment":"neutral","sentiment_score":0.29941266775131226,"channel":1,"num_words":1,"start":1254.4729,"end":1254.9729},{"sentences":[{"text":"you soon.","start":1254.513,"end":1255.1729,"sentiment":"neutral","sentiment_score":0.2906821370124817}],"sentiment":"neutral","sentiment_score":0.2906821370124817,"channel":0,"num_words":2,"start":1254.513,"end":1255.1729},{"sentences":[{"text":"Yep.","start":1255.513,"end":1255.9128,"sentiment":"neutral","sentiment_score":0.23583421111106873}],"sentiment":"neutral","sentiment_score":0.23583421111106873,"channel":1,"num_words":1,"start":1255.513,"end":1255.9128},{"sentences":[{"text":"Thanks.","start":1255.5529,"end":1256.0529,"sentiment":"positive","sentiment_score":0.6148221492767334}],"sentiment":"positive","sentiment_score":0.6148221492767334,"channel":0,"num_words":1,"start":1255.5529,"end":1256.0529},{"sentences":[{"text":"Thanks.","start":1255.9128,"end":1256.393,"sentiment":"positive","sentiment_score":0.6091176867485046},{"text":"Bye.","start":1256.393,"end":1256.893,"sentiment":"positive","sentiment_score":0.4052733778953552}],"sentiment":"positive","sentiment_score":0.5071955323219299,"channel":1,"num_words":2,"start":1255.9128,"end":1256.893},{"sentences":[{"text":"See you later.","start":1256.6729,"end":1257.3129,"sentiment":"positive","sentiment_score":0.4050440490245819},{"text":"Bye.","start":1257.3129,"end":1257.8129,"sentiment":"neutral","sentiment_score":0.17955002188682556}],"sentiment":"positive","sentiment_score":0.3486705422401428,"channel":0,"num_words":4,"start":1256.6729,"end":1257.8129},{"sentences":[{"text":"Bye.","start":1257.9929,"end":1258.4929,"sentiment":"neutral","sentiment_score":-0.12023289501667024}],"sentiment":"neutral","sentiment_score":-0.12023289501667024,"channel":1,"num_words":1,"start":1257.9929,"end":1258.4929}]},"summary":{"result":"success","short":"The representative, Dana, updates Michelle on her annual review and suggests restructuring her life insurance policy to make it more cost-effective and lower risk. They discuss the possibility of a new rule on Australian equities and the agent suggests adding more income protection to cover expenses and risk. The agent updates Michelle on her health and retirement plans, advises her to restructure her investment strategy, and reminds her to update her insurance policy and sign and return her tax file. The customer is also advised to seek a local solicitor if they need to make a claim on someone's estate and to update their ID and record their insurance policy."},"intents":{"segments":[{"text":"It is realistically a little bit low from what we'd like to see, but with everything that's been going on in the world with The US and the Iran Yep. war and high inflationary pressures here in Australia, we understand there is a bit more volatility there. So to come out with a positive return is still a good thing for you. Okay?","start_word":328,"end_word":390,"intents":[{"intent":"Understand portfolio volatility","confidence_score":0.0006624383}]},{"text":"So I wanted to just sort of check-in with you as well. I would Yep.","start_word":423,"end_word":437,"intents":[{"intent":"Check in","confidence_score":0.07677572}]},{"text":"like to maybe update the advice for you, maybe reevaluate the portfolio, and look and see if we can structure it to make it some you know, a bit more growth out of there long term for you. Does that sound like something you'd be comfortable with me doing?","start_word":438,"end_word":486,"intents":[{"intent":"Provide advice","confidence_score":0.0104822945}]},{"text":"like to maybe update the advice for you, maybe reevaluate the portfolio, and look and see if we can structure it to make it some you know, a bit more growth out of there long term for you. Does that sound like something you'd be comfortable with me doing? Yep.","start_word":438,"end_word":487,"intents":[{"intent":"Structure portfolio","confidence_score":0.02547431},{"intent":"Set portfolio growth","confidence_score":0.00033589944},{"intent":"Evaluate portfolio","confidence_score":0.04327053}]},{"text":"One of the things I do like to sort of touch on as well is having the ban along Australian equities in your portfolio, this portfolio was structured that investment to be a little bit more actively managed.","start_word":491,"end_word":528,"intents":[{"intent":"Manage portfolio","confidence_score":0.006381367}]},{"text":"Would you like me to look at restructuring it to make it more cost effective, a bit cheaper for you, Yep.","start_word":591,"end_word":611,"intents":[{"intent":"Restruct portfolio","confidence_score":0.046803717},{"intent":"Restructure portfolio","confidence_score":0.117874786}]},{"text":"Would you like me to look at restructuring it to make it more cost effective, a bit cheaper for you, Yep. and look at something a bit more passively managed or lower risk, or did you want me to keep maybe an active manager in there for you? What would you like to see?","start_word":591,"end_word":644,"intents":[{"intent":"Stay active manager","confidence_score":0.007122331}]},{"text":"maybe see if I can lower the fees in my portfolio a bit, Yep.","start_word":753,"end_word":766,"intents":[{"intent":"Lower fees","confidence_score":0.84727234}]},{"text":"maybe see if I can lower the fees in my portfolio a bit, Yep. and also make sure those returns are compounding for those those last seven years of working life. Does that make sense to you? Is that Absolutely.","start_word":753,"end_word":792,"intents":[{"intent":"Manage portfolio","confidence_score":0.0011270113}]},{"text":"and also make sure those returns are compounding for those those last seven years of working life. Does that make sense to you?","start_word":767,"end_word":789,"intents":[{"intent":"Compound returns","confidence_score":0.20880644}]},{"text":"We're hoping to, yeah, pay our mortgage off once we retire.","start_word":941,"end_word":951,"intents":[{"intent":"Pay mortgage","confidence_score":0.0100267455}]},{"text":"And you've also got your income protection cover there at the moment. It does Yep. have a pretax monthly benefit there of 2,167. Yep.","start_word":1040,"end_word":1063,"intents":[{"intent":"Consolidate benefits","confidence_score":0.0003377956}]},{"text":"Your income, we had noted last time, was that you were on about 50,000. Are you on the same income, or have you got a pay rise there at all? No.","start_word":1065,"end_word":1095,"intents":[{"intent":"Explain income","confidence_score":0.0036517114},{"intent":"Inquire about income","confidence_score":0.034214105},{"intent":"Discuss income coverage","confidence_score":0.0042390297}]},{"text":"Your income, we had noted last time, was that you were on about 50,000. Are you on the same income, or have you got a pay rise there at all? No. I think I've got a pay rise. That's okay. Do you know roughly what that might look like at the moment or what you might be earning per year estimated or even just your gross weekly or fortnightly figure?","start_word":1065,"end_word":1134,"intents":[{"intent":"Determine gross income","confidence_score":0.00198339}]},{"text":"You haven't done your tax return already for last financial No. year at Not all?","start_word":1186,"end_word":1200,"intents":[{"intent":"Identify tax return","confidence_score":0.01316175}]},{"text":"So, realistically, income protection wise, you are a little bit underinsured for the amount you can be covered for based on your income. Yep.","start_word":1281,"end_word":1304,"intents":[{"intent":"Consider income protection coverage","confidence_score":0.000130006},{"intent":"Explain coverage requirements","confidence_score":0.00028064143}]},{"text":"Did you want us to go forward and look at I'm gonna update the advice and reflect, obviously, the changes to superannuation and structuring your super. Did Yep.","start_word":1450,"end_word":1477,"intents":[{"intent":"Update and reflect","confidence_score":0.0011803393}]},{"text":"you want me to maybe include the increase in income protection there for you as well just to start just sort of show you the difference, how that impacts you, what the cost is, and what sort of contract terms would be offered? Yep.","start_word":1478,"end_word":1521,"intents":[{"intent":"Include income protection","confidence_score":0.49058577}]},{"text":"This but that's almost doubling the the monthly income, isn't Yep. it?","start_word":1522,"end_word":1533,"intents":[{"intent":"Double income","confidence_score":0.06078631}]},{"text":"I just also wanted to double check health wise as well because when we are looking at increasing life insurance and income protection policies, especially, because insurance, your health does get an or they do do additional underwriting to the policy. So I just wanna make sure there's no major changes to your health that I need to factor into anything for you Yep.","start_word":1599,"end_word":1662,"intents":[{"intent":"Check health","confidence_score":0.7247644},{"intent":"Factor in changes to insurance","confidence_score":0.011236743}]},{"text":"And we're looking to retire in the next seven years still? Yes.","start_word":1758,"end_word":1769,"intents":[{"intent":"Retire","confidence_score":0.37202573}]},{"text":"Assets and liability wise, we had your main primary residence down last year at about 700,000. What sort of value do you think you've put on that property at the moment?","start_word":1782,"end_word":1812,"intents":[{"intent":"Request information about property value","confidence_score":0.003617937}]},{"text":"I'll look to increase your income protection policy to a monthly benefit of 3,000 even for you.","start_word":2819,"end_word":2835,"intents":[{"intent":"Increase income protection policy","confidence_score":0.507181}]},{"text":"With your income protection policy, you have a ninety day wait and a two year benefit period. Do you understand how those work?","start_word":2900,"end_word":2922,"intents":[{"intent":"Confirm understanding of benefits and will","confidence_score":0.00016221937}]},{"text":"With your income protection policy, you have a ninety day wait and a two year benefit period. Do you understand how those work? Did you have any questions around the insurance Yeah.","start_word":2900,"end_word":2931,"intents":[{"intent":"Obtain information about benefits","confidence_score":0.00138508}]},{"text":"Get the claim forms ready to go. So once you keep that waiting period, then we can submit everything and make it as easy as possible for you. Yep.","start_word":3027,"end_word":3055,"intents":[{"intent":"Submit claim forms","confidence_score":0.67500794}]},{"text":"definitely worth making sure you update that. You Will can do.","start_word":3329,"end_word":3339,"intents":[{"intent":"Update resources","confidence_score":0.0011475675}]},{"text":"We'll keep it going for the next twelve months if you're happy to stay on board and allows us to provide updated advice to keep you on track towards your goals there as well. Okay?","start_word":3560,"end_word":3594,"intents":[{"intent":"Provide advice","confidence_score":0.10960826}]},{"text":"The only other document we have added there that's different to most other years is a tax file opt in form. So we do hold your tax file number. We do are required to do so.","start_word":3599,"end_word":3634,"intents":[{"intent":"Discuss tax file","confidence_score":0.00027049147}]},{"text":"We are very security conscious. That's why we do security. Whenever you call us and we call you, just making sure that the information we hold on you, because it is sensitive, is all protected under the privacy act. So that form is in there. If you could just sign and return those back when you get a chance, that'd be fabulous. Product.","start_word":3649,"end_word":3711,"intents":[{"intent":"Provide security","confidence_score":0.06306124}]},{"text":"Well, I will let you go so you can enjoy the rest of your afternoon. Put Thank your feet you. up and enjoy a nice drink of some sort, tea, coffee, whatever you you Exactly.","start_word":3757,"end_word":3791,"intents":[{"intent":"Offer assistance","confidence_score":0.010695673}]},{"text":"also just gonna really quickly check your ID is up to date as well. So Yep. sorry.","start_word":3819,"end_word":3835,"intents":[{"intent":"Check id","confidence_score":0.5344003}]},{"text":"I will let you go, Michelle. If there's anything that comes up question wise, please let me know. And, yeah, if you Yep. have a look Yep.","start_word":3870,"end_word":3896,"intents":[{"intent":"End conversation","confidence_score":0.35008693}]}]},"sentiments":{"segments":[{"text":"Hi.","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.22896799445152283},{"text":"Good afternoon, Michelle. This is Dana. How are you this afternoon? I'm good. Thank you.","start_word":1,"end_word":15,"sentiment":"positive","sentiment_score":0.4700707793235779},{"text":"Sorry I missed your That's call. I'm just calling that's from work now. no. That's absolutely fine. I just had you booked in to go through an annual review with you and sort of review your super and your goals. Is now still a good time there for you? Yep. How long would this Yeah. take? That's all. No. That's okay. Normally, it takes anywhere between fifteen to thirty minutes depending on what you have available. I can try to go through it as quickly as possible. Or if today doesn't suit, I can always reschedule to a more suitable time for you. What would work best for yourself? No. I've got time now if you've got time. Yeah. Yeah. Yeah. Absolutely. Not a problem. If you like, what we can do is I can touch base on the things I need to, and then we can always come back and just reevaluate if we need to at the end. Okay? If anything comes up and you say you're running out of time, just let me Yep. know. Yep. Oh, good. How was your day at work? Hence, my this is my 02:00 finish.","start_word":16,"end_word":209,"sentiment":"neutral","sentiment_score":0.07828622311353683},{"text":"Great. Oh, fantastic.","start_word":210,"end_word":212,"sentiment":"positive","sentiment_score":0.4952316284179687},{"text":"And, hopefully, you have to go home, put your feet up for a little while. Yep. Exactly.","start_word":213,"end_word":229,"sentiment":"neutral","sentiment_score":0.2458556890487671},{"text":"All good.","start_word":230,"end_word":231,"sentiment":"positive","sentiment_score":0.4066372811794281},{"text":"Michelle, I'll start by just giving you an update on your super there. So as of your last annual review, your balance then was a 167,648. Yep. Yep. Your balance this annual review, sorry, is you're up to a 192,693 and 50 Yep. 2<unk>.","start_word":232,"end_word":277,"sentiment":"neutral","sentiment_score":0.17420993745326996},{"text":"So your balance has increased nicely, which is good to see.","start_word":277,"end_word":288,"sentiment":"positive","sentiment_score":0.5737156867980957},{"text":"Yep. When I look at the the portfolio as a whole and the individual investments, as a net return, so after fees and our ongoing service fee, you've actually received a return of 5.76%.","start_word":288,"end_word":322,"sentiment":"neutral","sentiment_score":0.32773250341415405},{"text":"So it is a good return.","start_word":322,"end_word":328,"sentiment":"positive","sentiment_score":0.4944404363632202},{"text":"It is realistically a little bit low from what we'd like to see, but with everything that's been going on in the world with The US and the Iran Yep. war and high inflationary pressures here in Australia, we understand there is a bit more volatility there.","start_word":327,"end_word":373,"sentiment":"neutral","sentiment_score":-0.030054086819291115},{"text":"So to come out with a positive return is still a good thing for you.","start_word":374,"end_word":388,"sentiment":"positive","sentiment_score":0.6037044525146484},{"text":"Okay? Exactly. Yep. Yeah. I have had a look at the individual investments as well. I can see there are a couple that are just underperforming a little bit in your portfolio as well. So I wanted to just sort of check-in with you as well. I would Yep. like to maybe update the advice for you, maybe reevaluate the portfolio, and look and see if we can structure it to make it some you know, a bit more growth out of there long term for you. Does that sound like something you'd be comfortable with me doing? Yep. Yep. Yeah.","start_word":389,"end_word":489,"sentiment":"neutral","sentiment_score":0.06078697368502617},{"text":"Fantastic.","start_word":490,"end_word":490,"sentiment":"positive","sentiment_score":0.5310178399085999},{"text":"One of the things I do like to sort of touch on as well is having the ban along Australian equities in your portfolio, this portfolio was structured that investment to be a little bit more actively managed. So with an active manager in your portfolio, they're trying to buy and sell in a more effective way. They're trying to pick the top and the bottom of the market and find underperforming investments and things like that, and they're also trying to outperform the market. But you do pay a bit more to have those active managers in your portfolio. Would you like me to look at restructuring it to make it more cost effective, a bit cheaper for you, Yep. and look at something a bit more passively managed or lower risk, or did you want me to keep maybe an active manager in there for you? What would you like to see? Oh, I don't know. If you're sitting at my age and wanting to retire in seven years, what would you do? I would honestly I have no be looking idea. at no. Honestly, it's a really good point to make because if I was in your position looking at my portfolio, I wanna be taking a little bit less risk in the market. I know especially with this year and with the Yep. ups and downs we have been feeling, I wouldn't be one of be seeing major ups and downs over the next seven years. I would Yeah. wanna be starting to put protections in place, Yep. maybe see if I can lower the fees in my portfolio a bit, Yep. and also make sure those returns are compounding for those those last seven years of working life. Does that make sense to you? Is that Absolutely. what you're comfortable with? Yep. Yep.","start_word":491,"end_word":798,"sentiment":"neutral","sentiment_score":0.0746361413281169},{"text":"Beautiful.","start_word":799,"end_word":799,"sentiment":"positive","sentiment_score":0.4016470909118652},{"text":"Yep.","start_word":800,"end_word":800,"sentiment":"neutral","sentiment_score":0.2894790768623352},{"text":"Excellent.","start_word":801,"end_word":801,"sentiment":"positive","sentiment_score":0.5111134648323059},{"text":"Yep.","start_word":802,"end_word":802,"sentiment":"neutral","sentiment_score":0.2938997149467468},{"text":"Excellent.","start_word":803,"end_word":803,"sentiment":"positive","sentiment_score":0.4223670661449432},{"text":"With your insurances there as well, now you do have your MetLife policy. You've got your life sorry. I'm just going back to here. MetLife. You've got your life cover, which currently has a sum insured of 221,340. So if you were to pass away today, you've got your super balance there of 190 what did you say? 100 Yep. and 93,000 plus your life insurance of 221,000. So giving you a bit over 414,000 Yep. in life cover. Yep. In the event of that happening, I I'm assuming you wanna have that all paid out to Michael so he can, you know, have a expenditure. Are you sort of hoping Yep. to have your mortgage paid off in that scenario? What are you wanting him to be able to do with those funds? Yep. Yeah. No. We're hoping to, yeah, pay our mortgage off once we retire. Yep. Yep. Yep. Beautiful. So if you were to, like, pass away and claim that life insurance and have that extra Yep. money there, Yep. paying out the mortgage would essentially leave you with about or would leave him with about 94,000, which Yep. he could utilize to offset. Are you fairly comfortable with that life cover amount you have? Did you wanna alter or look at changing that at all? I don't think so. Not at this stage. No. That's okay. That's absolutely Yep. fine. Excellent. Yep. And you've also got your income protection cover there at the moment. It does Yep. have a pretax monthly benefit there of 2,167. Yep. Your income, we had noted last time, was that you were on about 50,000. Are you on the same income, or have you got a pay rise there at all? No. I think I've got a pay rise. That's okay. Do you know roughly what that might look like at the moment or what you might be earning per year estimated or even just your gross weekly or fortnightly figure? Let me just have a look. I just got a payslip yesterday. Let's see what that You're says. alright. So at the moment, it is sitting on a gross of that's shady. No. It doesn't even do your gross in there? No. Wouldn't have a clue. It's not showing you. That's okay. You haven't done your tax return already for last financial No. year at Not all? not No. yet. No. Not That's yet. okay. Do you remember what your having a look at your last payslip at the end of the financial year, what the total for the year might have looked like? Or No. That's all good. I'll just see if I've got sorry. You're right. that's probably looking better. One before. Sorry. That one's still not doing No. anything. You're fine. 75. About 75,000? $75,233.","start_word":804,"end_word":1271,"sentiment":"neutral","sentiment_score":-0.026591229925139084},{"text":"Fantastic. That's a really good increase.","start_word":1272,"end_word":1277,"sentiment":"positive","sentiment_score":0.4181746244430542},{"text":"Yep. 35. Fantastic. So, realistically, income protection wise, you are a little bit underinsured for the amount you can be covered for based on your income. Yep. The main we could look at increasing if you wanted to, but increasing it does mean you pay more in premiums as well. In the event of you not being able to work in the short term due to illness or injury, Yep. does Yep. Marco earn enough to sort of cover expenditure? Would that be okay No. with the amount you have, or would you need to increase income protection? No. I probably might need to increase that just a wee bit. Yep. Yep. That's okay. So with income protection, you can be covered for up to 70% of your income. So if Yep. we base that on the amount you've got there so we're looking at $75.05. So by 12, it means that we would need to sort of cover you for a monthly benefit of $4,388 as a monthly benefits pretax. Right. Did you want us to go forward and look at I'm gonna update the advice and reflect, obviously, the changes to superannuation and structuring your super. Did Yep. you want me to maybe include the increase in income protection there for you as well just to start just sort of show you the difference, how that impacts you, what the cost is, and what sort of contract terms would be offered? Yep. This but that's almost doubling the the monthly income, isn't Yep. it? It basically is yeah. Yeah. Because you've got two No. one six seven at the moment. You don't No. have to have the full 70. You can always No. increase it by a little bit. You happy just to leave it as is? Even if you maybe just need to increase it to three. Yeah. Yeah. Absolutely. Yep. Not a problem at all. Yep.","start_word":1278,"end_word":1597,"sentiment":"neutral","sentiment_score":0.030721072806045413},{"text":"Excellent.","start_word":1598,"end_word":1598,"sentiment":"positive","sentiment_score":0.5162054300308228},{"text":"I just also wanted to double check health wise as well because when we are looking at increasing life insurance and income protection policies, especially, because insurance, your health does get an or they do do additional underwriting to the policy. So I just wanna make sure there's no major changes to your health that I need to factor into anything for you Yep. Just so No. when we update No. the advice. It's all okay still. Yep. Yep. At Yep. this stage. Beautiful. Beautiful. On the last free assessment there, we just had it noted that there was a family history of sorry. Your father had a heart attack at the age of 40. Yep. I had no written to everything else and no Yep. major conditions or illness or injuries No. in the past couple of years to be worried about. No. Beautiful. Nothing. Excellent. And you're still working at the DP's office? Yes. I am.","start_word":1599,"end_word":1756,"sentiment":"neutral","sentiment_score":0.024901797994971275},{"text":"Fantastic.","start_word":1757,"end_word":1757,"sentiment":"positive","sentiment_score":0.39559563994407654},{"text":"And we're looking to retire in the next seven years still? Yes. Alright. For Yep. you in Beautiful. about seven years. Yep.","start_word":1758,"end_word":1779,"sentiment":"neutral","sentiment_score":0.11515942215919496},{"text":"Excellent. Excellent.","start_word":1780,"end_word":1781,"sentiment":"positive","sentiment_score":0.6904665231704712},{"text":"Assets and liability wise, we had your main primary residence down last year at about 700,000. What sort of value do you think you've put on that property at the moment? Do you think that's increased a bit or altered? Yep. It's probably going to increase a bit because we're putting a little tiny home on our block now.","start_word":1782,"end_word":1840,"sentiment":"neutral","sentiment_score":0.029009439051151276},{"text":"So Oh, fantastic.","start_word":1841,"end_word":1843,"sentiment":"positive","sentiment_score":0.393940269947052},{"text":"yeah. What was it at? 7. So it might be at maybe 8.5 maybe. Yeah. Beautiful. 8,000 Yep. 800,000 850,000. Beautiful. And the mortgage there was about 320,000. Have you reduced that a little bit with these interest Nope. rate rises? No. Nope. As I said, it's tiny home, so that's gonna increase to about $5.20. Oh, wow. Increased to 520,000. Wow's the word. Yep. Yeah. All Yeah. this money to outlay. What's the plan with the tiny home moving forward? So we're going to move our son into that with his partner for four years, pay rent, and then hopefully, we'll privately rent it after that. Yep.","start_word":1844,"end_word":1951,"sentiment":"neutral","sentiment_score":0.04517780616879463},{"text":"Oh, fantastic.","start_word":1952,"end_word":1953,"sentiment":"positive","sentiment_score":0.40571361780166626},{"text":"And And is that's that something yeah. you you're right. Is that something you're gonna keep renting into Yes. retirement to maybe supplement the Yeah. income? A little Yeah. bit of income later on. Yep. Yeah. Beautiful. Yep. Incoming Yeah. retirement.","start_word":1954,"end_word":1994,"sentiment":"neutral","sentiment_score":0.08401177078485489},{"text":"Love that.","start_word":1995,"end_word":1996,"sentiment":"positive","sentiment_score":0.3441409468650818},{"text":"And will Michael be planning to retire at the same time you are? Oh, he probably wants to retire before, but, no, probably around the same time. About the same time. Yeah. No. Not a problem Yep. at all. Excellent. I also had two cars and a caravan noted with a combined asset value of 35,000. Would you continue with that same valuation or Yeah. decrease No. or alter that Yep. the same? Yep. No. Beautiful. That's fine. Yep.","start_word":1997,"end_word":2075,"sentiment":"neutral","sentiment_score":0.05357623472809792},{"text":"Excellent.","start_word":2076,"end_word":2076,"sentiment":"positive","sentiment_score":0.3455120325088501},{"text":"I've also got a credit card here with a limit of 2,500. Do you still happen to have that credit card there? Yes. We do. Yep.","start_word":2077,"end_word":2102,"sentiment":"neutral","sentiment_score":0.10931747406721117},{"text":"Beautiful.","start_word":2103,"end_word":2103,"sentiment":"positive","sentiment_score":0.42402583360672},{"text":"And I've got savings and offset account with had about 3,000 in the last time. I know the tiny home's probably eaten some of your savings up as well. But do you still have anything in savings there at Yeah. the moment I or think still I have think it? there's about five and a half in that at the moment.","start_word":2104,"end_word":2164,"sentiment":"neutral","sentiment_score":0.006927426904439926},{"text":"Oh, fantastic. That's excellent. Yep. Lovely. Fantastic.","start_word":2165,"end_word":2171,"sentiment":"positive","sentiment_score":0.6312035322189331},{"text":"And any other, you know, crypto or any other sort of valuables that you'd note down? No. That's about it. Nope. That's okay. Another thing I do like to note down is content. Do you have content insurance? Yes. We do. Yeah. Do you know what you would value your content at, do you I think? think we had it at 60,000. Yep.","start_word":2172,"end_word":2234,"sentiment":"neutral","sentiment_score":0.03742814436554909},{"text":"Beautiful.","start_word":2235,"end_word":2235,"sentiment":"positive","sentiment_score":0.35885533690452576},{"text":"Yep.","start_word":2236,"end_word":2236,"sentiment":"neutral","sentiment_score":0.17071020603179932},{"text":"Excellent.","start_word":2237,"end_word":2237,"sentiment":"positive","sentiment_score":0.3707730770111084},{"text":"And I I know you've got that savings account there with the tiny home, and most of your money is Yep. probably going to your mortgage in a tiny home Yep. building. But are you managing to sort of put enough away in savings or anything in savings on a regular basis? Are you Yes. We dedicating do. We put savings? away about 200 of fortnight, I think it is. Yep. Yeah. Beautiful. A fortnight. Yeah. Excellent. Yep. All good. And I can see here we're not really salary sacrificing or putting anything additional in the soup at the moment. Are No. you open to doing that to build soup a little bit more, or you're not really in a position to do so? No. Not at the moment. No. No. That's okay. That's alright. Did I you I wanna think maybe my husband's book it down salary to sacrifices us? at the moment, which is Yeah. super. Yeah. Yep. Yep. Beautiful. Yep. Not a problem at all. Excellent. And I've still got you down part time. You're working about thirty four hours a week still. Alright. Is that That's about it. right? Yep. Yep. Yep.","start_word":2238,"end_word":2433,"sentiment":"neutral","sentiment_score":0.01548843178898096},{"text":"Beautiful. Excellent.","start_word":2434,"end_word":2435,"sentiment":"positive","sentiment_score":0.3719417452812195},{"text":"Any other medium term goals? I know we've got the tiny home there getting that built in and you're standing there, then long term being able to rent that out. Yep. Do you have any other goals that you're sort of looking to achieve in the next one, two, or three years? No. Not really at this stage. No. That's okay. No.","start_word":2436,"end_word":2497,"sentiment":"neutral","sentiment_score":0.0572943665808247},{"text":"Beautiful.","start_word":2498,"end_word":2498,"sentiment":"positive","sentiment_score":0.3671931922435761},{"text":"Just our big project with the tiny home at the moment. Yeah. Yep. No. That's okay. Not a problem at all. And you don't you've got your life and your income protection policies there. You don't really have any TBD cover. So at the moment, in the Yep. event of, say, a permanent incapacity or a total permanent disability, with not having any PVD cover there. It does mean we just have to be able to rely on your super. And you Yep. claim can claim incapacity or PVD against your super, which releases it back for you. Yep. Are you happy with not having any CBD or Yep. trauma or any other additional insurances? Is it sort of happy with No. Just you've happy got? the way it is at the moment.","start_word":2499,"end_word":2631,"sentiment":"neutral","sentiment_score":-0.014853271655738354},{"text":"Beautiful.","start_word":2632,"end_word":2632,"sentiment":"positive","sentiment_score":0.39540740847587585},{"text":"Well, what I'll do is I'll go back, and I'll look at the advice for you just to restructure your super investments, maybe remove anything that's underperforming. Yep. I'll look Yep. if we can Yep. get that working a bit harder for you and compounding over the next sort of seven years towards your retirement. Yeah. Yep. And now I I know with with as of the July 1 now too, the actual our our boss needs to Yeah. pay our super every fortnight, whereas he was holding it off till every three months. Yeah. Yes. So, Yes. hopefully, every fortnight will make a big difference now. So Absolutely. That's one of yeah. the big things is that's gonna call give you real proper dollar cost averaging. So Yeah.","start_word":2633,"end_word":2761,"sentiment":"neutral","sentiment_score":0.06964058429002762},{"text":"more money going smaller amounts going in on a more regular basis does provide a much greater benefit.","start_word":2762,"end_word":2779,"sentiment":"positive","sentiment_score":0.3455539047718048},{"text":"You really take advantage of the market ups and downs and Yeah. can provide Yep. greater diversification. So, yeah, no. That should should make a much more greater difference or make sure your super is evaluated and working harder. I'll look to increase your income protection policy to a monthly benefit of 3,000 even for you. Yep. As part of the advice, I'll show you what the increased cost looks like, how that's Yep. projected Yep. over the next seven years for you as well. That way, you can see everything in writing and let me know whether you're happy to take that onboard or Yep. not. Does that sound Yep. okay? No. That sounds Yep. really good. Yep.","start_word":2780,"end_word":2898,"sentiment":"neutral","sentiment_score":0.11489655916430368},{"text":"Fantastic.","start_word":2899,"end_word":2899,"sentiment":"positive","sentiment_score":0.5441202521324158},{"text":"With your income protection policy, you have a ninety day wait and a two year benefit period. Do you understand how those work? Did you have any questions around the insurance Yeah. side of No. things? I I I've found out how No. that works. That's fine. Yep.","start_word":2900,"end_word":2947,"sentiment":"neutral","sentiment_score":0.0786614716053009},{"text":"Excellent. Excellent.","start_word":2948,"end_word":2949,"sentiment":"positive","sentiment_score":0.4133141040802002},{"text":"With the ninety day waiting, because you just have to be off work for that time frame, I always let everyone know as soon as you are off work due to an illness or an injury and you feel like you're gonna be off that time frame, let us know as soon as possible. That way we Yep. can let the insurer know. That way Yep. they can start counting that ninety day waiting period for you. Get the claim forms ready to go. So once you keep that waiting period, then we can submit everything and make it as easy as possible for you. Yep. Okay? Yep. No worries.","start_word":2950,"end_word":3059,"sentiment":"neutral","sentiment_score":0.09305662661790848},{"text":"Beautiful.","start_word":3060,"end_word":3060,"sentiment":"positive","sentiment_score":0.34478282928466797},{"text":"So I'll keep the ninety day waiting to your benefit period for you and show you the additional side of things. Estate planning side of things. Now I've got it down here. Your beneficiaries, you want your super and life cover all to be paid to Michael in the event of passing for a 100% of your benefit. That's Yes.","start_word":3061,"end_word":3120,"sentiment":"neutral","sentiment_score":0.1482299119234085},{"text":"still perfect and accurate.","start_word":3121,"end_word":3124,"sentiment":"positive","sentiment_score":0.3611765205860138},{"text":"Yep. Yep. Yep. Yep. Fantastic. And have you guys drawn off a will? Have you ever sort of spoken to a solicitor and had a will updated? No. Not since No. 1992. Well and how appropriate do you think that will still gonna be? Was it not at all. That's one of our goals, hopefully, this year is to go and do that.","start_word":3125,"end_word":3187,"sentiment":"neutral","sentiment_score":0.0820475597939794},{"text":"Absolutely.","start_word":3188,"end_word":3188,"sentiment":"positive","sentiment_score":0.5542939305305481},{"text":"Especially Yeah. with building a tiny home Yep. and ongoing. You've got a lot. You've worked really hard protecting your assets as much as, you know, you've got a lot of liabilities and credit cards and cars and things like that. Yep. In the event of something happening to one or both of you, it all kinda has to be directed to where you want it to be, and making sure it is all looked after is a big thing, Yep. unfortunately. Yep. In our industry, we do see people passing away in test state quite regularly, and it can be a very difficult time for families.","start_word":3189,"end_word":3295,"sentiment":"neutral","sentiment_score":-0.053529832512140274},{"text":"People can come forward and make a claim.","start_word":3296,"end_word":3303,"sentiment":"negative","sentiment_score":-0.34380826354026794},{"text":"There's no guarantees Yeah. they'll get it, but making Yep.","start_word":3304,"end_word":3313,"sentiment":"neutral","sentiment_score":-0.24503299593925476},{"text":"a claim on someone's estate does make the process harder.","start_word":3314,"end_word":3323,"sentiment":"negative","sentiment_score":-0.41627734899520874},{"text":"So Yeah. it is Yep. definitely worth making sure you update that. You Will can do. seek a local solicitor if it's easier for you. Otherwise, different states also have access to, like, government agencies, like in New South Wales. So I reside. We have the, like, new RMS and, I think, Queensland, you can do the same thing. And you just sort of can do a will online or over the phone. They are much cheaper than seeing a solicitor. And if Yep. it's just a standard straightforward will, it can be a much easier process for you. So if Yep. you ever wanted information on that, let me know. Righto. I can always Yep. throw up an information email there for you. Okay. Okay.","start_word":3324,"end_word":3449,"sentiment":"neutral","sentiment_score":0.15332286059856415},{"text":"Thank you. All good.","start_word":3450,"end_word":3453,"sentiment":"positive","sentiment_score":0.39963555335998535},{"text":"On the email, I have sent you through an email with the annual review documents there for you. It does have your updated super and insurance summary giving you an update of your balance and the insurances that you do hold. It's got your MetLife certificate of currency there as well, and Yep. it's also got the performance report so you can see what I went through. It does also have your ongoing service agreement for the next twelve months there. So you do pay an ongoing service fee. It Yep. is 1.65 per annum, and it after that if you're super in smaller monthly increments.","start_word":3454,"end_word":3559,"sentiment":"neutral","sentiment_score":0.18378857734068385},{"text":"We'll keep it going for the next twelve months if you're happy to stay on board and allows us to provide updated advice to keep you on track towards your goals there as well.","start_word":3560,"end_word":3593,"sentiment":"positive","sentiment_score":0.425051212310791},{"text":"Okay? Yep.","start_word":3594,"end_word":3595,"sentiment":"neutral","sentiment_score":0.1595490276813507},{"text":"Awesome. Yep. Excellent.","start_word":3596,"end_word":3598,"sentiment":"positive","sentiment_score":0.5314453840255737},{"text":"The only other document we have added there that's different to most other years is a tax file opt in form. So we do hold your tax file number. We do are required to do so. Yep. But we just wanna make sure you're aware that we do hold it. We are very security conscious. That's why we do security. Whenever you call us and we call you, just making sure that the information we hold on you, because it is sensitive, is all protected under the privacy act. So that form is in there.","start_word":3599,"end_word":3693,"sentiment":"neutral","sentiment_score":0.1124470755457878},{"text":"If you could just sign and return those back when you get a chance, that'd be fabulous.","start_word":3694,"end_word":3710,"sentiment":"positive","sentiment_score":0.41616925597190857},{"text":"Product. Yep. Okay. Yep. I've Yep. touched on a lot, and, hopefully, I haven't taken up too much of your time there. But do you have any additional questions there at all, Michelle? Or No. I think it covers it all for yeah. me.","start_word":3711,"end_word":3754,"sentiment":"neutral","sentiment_score":0.033224303275346756},{"text":"Fantastic. Fantastic. Well, I will let you go so you can enjoy the rest of your afternoon.","start_word":3755,"end_word":3771,"sentiment":"positive","sentiment_score":0.5322660803794861},{"text":"Put Thank your feet you.","start_word":3772,"end_word":3776,"sentiment":"neutral","sentiment_score":0.3152632713317871},{"text":"up and enjoy a nice drink of some sort, tea, coffee, whatever you you Exactly. Thank you.","start_word":3777,"end_word":3793,"sentiment":"positive","sentiment_score":0.3897781372070313},{"text":"I'll I'll get cracking on this reset there for you. Essentially, if there is anything additional, we'll let you know in the meantime. I'm Okay. also just gonna really quickly check your ID is up to date as well. So Yep. sorry. Just because when we provide financial advice, we do need to make sure we have your ID up to date, and yours is all in date.","start_word":3794,"end_word":3861,"sentiment":"neutral","sentiment_score":0.13185742497444153},{"text":"That's absolutely fine. Thank you so much.","start_word":3862,"end_word":3868,"sentiment":"positive","sentiment_score":0.54758220911026},{"text":"Yep. I will let you go, Michelle. If there's anything that comes up question wise, please let me know. And, yeah, if you Yep. have a look Yep. through those documents, if you find you have any questions that come out of that, just let me know as well. Okay.","start_word":3869,"end_word":3918,"sentiment":"neutral","sentiment_score":0.1472502624988556},{"text":"Will do. Thank you so much for your time. I appreciate you calling me back. Yep. You're welcome. Thank you so much. No worries. You enjoy your afternoon.","start_word":3919,"end_word":3946,"sentiment":"positive","sentiment_score":0.6753796935081482},{"text":"Talk to Okay. you soon. Yep.","start_word":3947,"end_word":3952,"sentiment":"neutral","sentiment_score":0.2765629291534424},{"text":"Thanks. Thanks. Bye. See you later.","start_word":3953,"end_word":3958,"sentiment":"positive","sentiment_score":0.4793175160884857},{"text":"Bye. Bye.","start_word":3959,"end_word":3960,"sentiment":"neutral","sentiment_score":0.1685498207807541}],"average":{"sentiment":"neutral","sentiment_score":0.08157674065092832}}}}