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Is now still a good time there for you? Oh, fantastic. I do apologize. Been a little bit late on that one. I just was running a little bit late this afternoon, so I am very sorry for calling you a bit later. All good. Donald, before we jump into the call, just to let you know, would you record our calls for quality and training purposes? Are you happy for us to proceed with that? Yep. Fantastic. And we also do normally email or send through a copy of some review documents to you to kinda go through with us. Do you have access to your emails at the moment? If you don't, that's honestly okay. Fantastic. I'm just gonna send press send on this email for you if you're able to jump into your emails there. It'll come through from. All good. Hopefully, it comes through fairly quickly there for you. Just press send on that one. If technology lacks us, that is, isn't it? All good. Now well, that's okay. Now while that is coming through, I do have to let you know moving forward throughout the call, we do record our calls for quality and training purposes. Are you happy for me to proceed with that through the annual review? Fantastic. Excellent. And just to do security with you as well, just to confirm, your full name, your date of birth, and address I should have on file there. Beautiful. Fantastic. And how cold is it down in Orange there at the moment? Oh, yuck. No. No. Look. I understand your weather quite well. My husband's family are from Young, so I'm well at best in your kind of weather. Yeah. Yeah. Oh. Oh, wow. It was raining. You got a bit of rain down there. Is that well needed at the moment? Yep. Wow. Well, hopefully, it's well needed. All good. Yeah. Absolutely. Now has that email popped through to you there at the moment at all or as yet? You're right. If it hasn't come into your inbox, just double check your junk mail as well. Sometimes I do get sent through to junk mail. There we go. Fantastic. Now when you open that one up, it will have a little button that says sign or click to sign here. I won't get you to click that one just yet if possible. If you can just scroll down to the bottom, there'll be a couple of attachments there for you, and one of those will have your superannuation, a summary of super and insurance. It should be the heading. Yeah. Is that opening up there for you? No. That's okay. You're fine. Fantastic. So that one there is giving you an update on your super balance. So when I have a look back at your annual review last year, your super balance back then, we had a $156,084.50 there. So looking forward, we're up to a 189,521 and 5¢ there. So we have seen a good increase in your super balance. Yeah. Well, we have a bit of a look at how everything has performed investment wise. And if you wanted to, if you're able to if you go back to the email, we've also got the Netwealth Asset Performance Report attached there if you wanted to open that one up as well. That's okay. You're fine. Yeah. Yep. Beautiful. So that one there is giving you an update on all the investments in within your super fund there. So within net worth, I'll be everything generally has been working quite well. One of the things I did sort of notice, and I'm not sure if you remember receiving this or not, but around about March this year, we sent through an email with an updated record of advice just to and note some changes that we were making to your portfolio. Do you remember receiving that email there at all? That's okay. Essentially no. That's okay. More than happy to send it through to you again. Essentially, with that email there, we had sort of noticed that this year that one of your underlying investments wasn't performing as well as we sort of would like. So, originally, within your portfolio, you had an investment called Ben along Australian Equities. That investment, to give you a bit of a breakdown, is a managed fund. It's an actively managed fund. So the investment manager is meant to be trying to outperform against the market, but they haven't been able to do so. And some of their underlying investments have had a few issues. So we decided we didn't want you in anything underperforming. So we sold that investment and moved you out of it, and we've put you into the beta shares a 200. So if you look at your on that performance report, you should see cash, then alternative investments, which shows physical gold, and underneath that, you'll have the Australian equities investments. Yeah. The banner long shows that we had sold that out completely, and we moved you into the a 200, which is the beta shares a 200. One of the main reasons for moving you into that investment was for greater diversification. So within the Bennelong managed fund there, they actually only hold generally between 15 to 25 different investment options, whereas the a 200 is giving you exposure to the top 200 companies on the ASX. So it is helping to provide greater diversification, which is good, but it has also performed greater. It's also more of a passively managed fund as well. So instead of having an active manager, it's trying to outperform against the market and time the market. The beta shares a 200 is more passively managed with tracking an in an index, the top 200 companies on the ASX and the industries that goes along with that. So it's helping to lower your overall risk of the of the portfolio as well. And so far, it has definitely performed really well and nicely. When we sort of look at how that plus everything else has gone over the past sort of twelve months there, your portfolio, if you look at the second page of that, on the very bottom line, it shows you're up by 8.36% net of fees, so after fees for the year. Yeah. That is a good return. Yeah. And, look, with the portfolio, you're you're in more of that high growth environment there. So that's where you're sort of seeing 90% of your super invested in those higher risk investments. Think about things like Australian and international shares, listed property and commodities there. So you are taking on a little bit more risk in the market to obtain greater potential returns in this high growth environment and sort of hoping you're tracking to try and achieve about eight to 10% on a yearly basis as an average and compounding that forward. So in a high growth environment, anything over, say, 10% means your portfolio is overperforming and doing extremely well. Anything under that 8% is essentially an underperformance there. So the fact that you've received that 8.36 as a net return, it's within that range that we're sort of hoping for. And this year, you've probably seen on the news a lot of ups and downs with everything that's been happening with The US. So you yeah. So your portfolio has still worked nicely. We've come out with an average return for the year. And at a time where we saw a lot of volatility as well, so the ups and downs this year had seen quite drastic changes in the market in short period of time. It's it always sort of when you're looking at the news, does come across and seem a lot worse than it is. Generally, at the worst, we saw about a 3% drop there. But when you're in that sort of high growth environment, you feel those drops. Yeah. Yeah. Yeah. So that's the index chart, and that essentially shows you how different investments have reacted over time and why we invest the way we do. So looking at that chart there, if you think about the top investment, which is international equities, if you had to put, you know, 10,000 into that investment solely back there in 1995 and let it sit over the course of the last thirty years, it does show you a greater overall return. It's compounded a bit over 10% there and $1,010,000 to $214,000. But you can sort of see the ups and downs that you would have had to go through in that time frame, and you could imagine sitting through that over the course of thirty years. It could be an emotional roller coaster. So yeah. Yeah. So it's about making sure you're comfortable with the risk level you're taking to obtain the rewards that you're after as well. And as you get closer and closer to as you get closer to accessing sleeper, we'll definitely start to wind back your risk level a bit. We'll probably just drop it back in 10% increments as we get closer and closer. That way, you're stepping down gradually. So when you get to those retirement years and start actually drawing an income out, that, you know, you've got you've got a lower risk. You've got a bit more income producing within your portfolio, that you're not not seeing those ups and downs as drastically. Does that make sense? Yeah. Yeah. So, look, honestly, I'm very happy with how things have gone with your portfolio and your super fund at the moment. I would be probably not wanting to update things because we have just made the changes within your portfolio currently. It'd be worth just giving it maybe another six months and sort of sitting on things to see how it performs over the next six months and then maybe look at adjustments down the track. That is in unison with your risk level. So if the only sort of reason I would wanna maybe look at making changes now is if you are finding that you wanna kinda pull back the risk level a little bit. And in looking at that, I sort of also wanted to check about your retirement goals and because having a look now, you're 56 next month. Is that right? Yeah. So when are you sort of hoping to be able to start accessing your super down the track and maybe retire? What's your goal like that? When you're 60? Yep. It is. Yeah. Definitely. So the other thing to sort of think about is the high growth portfolio because you are taking a bit more risk in the market. And when you look at that Vanguard index chart there, essentially, 90% in those high growth investments means you're 90% invested in US shares, Australian shares, international shares, and listed properties. So you are taking a bit more risk, and we'll go through those sorts of ups and downs. A high growth portfolio normally suits someone who has at least eight years before they're planning to access their money. So if you are maybe wanting to access your super, I would be more inclined in the next five years, I'd be inclined to maybe start drawing back that risk level a little bit for you now and starting to reduce it back a little bit. Yeah. How do you sort of feel about that knowing that you're about five years away from wanting to access those funds? Yep. Yep. All good. So you would be comfortable with me maybe dropping back your risk cover a little bit and starting to pull you back a bit now? Yeah. Another six months? Yep. Yep. That's absolutely fine. Yep. Not a problem. So another six months, and then we'll reevaluate the risk level for you. If in the meantime that's okay. If in the meantime, we see anything that kind of flags that we may need to maybe drop your risk level a little bit more, then I'll absolutely make sure I contact you to do so. If, say, the other thing to sort of think about is if were to, say, find the market took a big sort of dip, we saw a 20% drop over the next, say, one to two or three years, and it took a little bit longer for your portfolio to recover, would you be open to working longer than sixty, or would you still wanna retire at 60 knowing you're probably cementing some of those downtimes? How do you feel about that? Yep. Okay. Yeah. Yeah. Perfect. So you would be comfortable to keep working longer to allow your portfolio time to recover in that instance. Yep. Beautiful. Fantastic. The other thing I just wanted to sort of have a look at with your risk profiling questionnaire is just how you sort of see yourself when you think about risk levels. So when you think about risk between a number between one and five, five being the highest level of risk, all invested in equities, or one being the lowest, all sitting in cash. Where would you sort of fit yourself? Do you think yourself more in the middle about a three or a four? Yep. Beautiful. That's okay. So a little bit low risk. Yep. Yep. So not the lowest, but probably on that lower risk sort of scale. Yep. Yep. Absolutely. And have you ever owned shares or investments in your own name before? Nope. That's okay. All good. And if the market did take a or if you saw your super balance fall over, say, the next six months or the next twelve months, how do you think you might be feeling? Are you feeling a bit optimistic about the investment opportunities available to you? Are you a bit cautious about the drop concerned or feeling a bit anxious? Yep. Yep. No. That's okay. Yeah. That's okay. All good. And how the last question I wanted to sort of ask is how much risk are you comfortable taking in order to obtain greater potential returns? Do you think you're comfortable taking on a higher level of risk to get the greater returns knowing that you could feel the downtime much greater? Are you probably in the middle there? Or Yeah. Sorry. Yep. Yep. Yep. Yeah. Yep. Yep. Absolutely. Not a problem. All good. Sales Absolutely. Now having a look at that one there, you have scored as more of a growth investor. So you've kind of made mention to me that you are happy to stay in that high growth environment just for a little bit longer. I'm comfortable leaving you there for another six months. We'll come back and review things. Just knowing that whilst you do have that five year time horizon that you are comfortable working longer if you need to. And then we'll come back in six months' time. If I need to speak to you earlier, I'll make sure I do. But, otherwise, February will do a bit of a catch up, and we'll talk seriously about reducing your risk level and what that looks like moving forward for your portfolio and and for your retirement aspect. Does that sound okay? Yep. Fantastic. Excellent. Now the other thing to sorta have a chat about is the insurances. So on that last document that you did have open, that was your insurance and super summary. It ran through the updated insurances that you do have within your, BT life insurance policy. To give you a bit of an idea with your life cover, so it pays out a lump sum benefit if you were to pass away, you're currently insured for about $86,906. So if you think about that level of cover, if you were to pass away today, I do not want it to happen, but if you were for hypothetical purposes to pass away today, your beneficiary could then receive your life insurance of the $80,189,521. So it means the total life cover paid to your beneficiary could be around about 276,426. Is that kind of how did you want that to be sort of paid out to you? Who's your beneficiary? How would you like that to be received? And the two sons? Yep. Beautiful. I've got them noted down here for you as sorry. Is it Donnie and Sam? Is that right? Yep. Beautiful. For 50% each to receive the the insurance benefit. Yep. Yep. Beautiful. On your super, I have your super beneficiary noted down to be Donny has to receive 50%, Mary has to receive 25%, and Sam has to receive 25%. Is that how you Oh, I'm so sorry. And that was Marie. Yeah. Okay. Absolutely. So what we'll do if you're comfortable is we'll need to update that super beneficiary nominations. So are you happy with us pre filling that for you so to nominate 50% each to to Donnie and Sam? Yep. Beautiful. The DBN. Yep. Oops. Did you want us to pre fill the form as much as we can to make it easier, or are you happy just filling it out? Yeah. That's okay. We we're happy to prefill it out. I've got Sam and Donnie's details here so we can fill that out for you. You're comfortable with 50 percent paid. That's okay. 50% paid each way. Is that right? Beautiful. And now the other thing to sort of confirm is with the beneficiary nominations, you have three types of nominations. The first one is nonbinding. Essentially, you're just telling the trustee this is what you want to happen, but on your passing, unfortunately, the super fund gets to make the decision as to whether they follow that or not. And non they have a nonlapsing sorry. A non they have a binding non lapsing. I apologize, which means you have to refill that format every three years, or we can do it non lapsing binding for you. So we'll fill it out now, place it on file, and it will never have to be updated unless you make that unless you wanna make that change. Which option would be that sounds good? Yeah. Beautiful. Excellent. I'll have that form prefilled for you and sent to you. That way, you just need to sign it. Have two witnesses sign it as well. The witnesses just can't be the beneficiaries. So Sam and Donnie can't be the witnesses of that document. And if you've got, you know, a couple of neighbors, a relative, or someone else that can sign it with you, we'll just need you to have that witness sent back to us, and we'll have it applied and updated for you. Okay. Beautiful. And I'm so sorry for your loss. That's alright. So when you think about that that 276 odd thousand of life cover paid out, is that are you comfortable with that amount? Did you wanna look at reviewing your life cover at all at the moment, or are you just happy with that? No. That's okay. Beautiful. You've also got TBD, so total permanent disability cover. Do you know what TBD is, how that works? Or yep. Yeah. That's okay. So TBD is a total permanent disability. So it's essentially paying out either a lump sum or an income stream if you're unable to ever go back to work again. The level of cover you have with BT Life is 86,906. So it means that in the event of claiming, that's how much you could claim on. If you are TBD, we can also try to claim against your super under the condition of release of incapacity. Are you fairly happy with that level of cover? Did you wanna look at reviewing that at all? Or yep. Yeah. Yeah. Absolutely. Not a yep. That's absolutely fine. If you ever decide you wanna review that, let me know. Not a problem at all. Yeah. I've also got down here. Now you don't have any other types of personal insurances like income protection or trauma. Has anyone ever spoken to you about those, or do you wanna look at understand what they are? Or sorry. Six months? Yeah. Absolutely. With your role now you're a butcher. Is that right? Fantastic. Do you have much in the way of sick leave, annual leave, holidays, or savings you can kinda fall back on? Yep. Yep. How much leave do you sorta have accrued if you're aware? Okay. Beautiful. So yeah. Beautiful. So in the event of not being able to go to work in the short term due to illness or injury, you'd have that 300 hours of leave to fall back on to provide income. Yep. That's absolutely. Fantastic. Well, that's great. So your sleep is working really well. We'll give it another six months, and then we'll come back and review that together. You're happy with your insurances, so no changes to be made there at the moment. We'll come come back in six months and have a chat about that as well. Did did you just to kinda give you food for thought, did you want me to have any questions around what the insurances are, life, PPD, income protection, or trauma, what those sorts of insurances payout, how they payout? Did you have any around any of those at all? Or yeah. Yeah. I can break down that. Yeah. Absolutely. I can send out an email that breaks down what the different types of insurances are, how what they can cover you for, how they are paid to give you food for thought, and then I'll break down what you have here in the life and TBD. And then you can always come back with additional questions if you need to. You can always come back if you wanna have a look at what those types of covers are, and we can always review those. You're not limited to one call a year. If want me to talk to you every few months and we come back and review things again, that's absolutely fine. Yeah. Fantastic. I'll get that email out to you this afternoon so you've got that there for a bit of reading. Okay. Fantastic. All good. Now I just also wanted to update a couple of details with you just to see if your circumstances has changed. So income wise, last time we caught up for your review, you were on about 50,000 per annum. Have you had any changes to income as your income increased? Or no? That's okay. That's alright. So 50,000. Perfect. Now it looks like you're not making any additional contributions to super. Are you in a position to be able to make it, like, salary sacrifice or additional contributions to super, or you're sort of not wanting to at the moment? What's your thoughts around that? Yep. Yep. Perfect. Yeah. That's fine. We can add that into the six month catch up if you like. That way, we can have a look at that. Because, realistically, if you're wanting to retire in about five years, we wanna kinda give your super as much as a boost as we possibly can. And I don't want you to be taking on too much risk right up into the day you retire. We do wanna pull that back. We can supplement, you know, reducing the risk with adding some additional contributions to help boost your super a bit further. So are are are you comfortable with me maybe including that in the February conversation for you? Yeah. Fantastic. In the meantime, it's yeah. In the meantime, it gives you something to think about, you know, what what you might be comfortable doing, how that might look for you, and we can all come back and have that conversation. Beautiful. Excellent. Are you finding with your your expenditure that you're putting savings away on a regular basis at the moment, or is all of your income going towards your expenses? How are you finding everything at the moment? Yep. Expensive. Yeah. Yep. Yep. That's okay. If you were to quantify what you're saving on a weekly basis, how much do you think you're managing to put away? Okay. Okay. Beautiful. And you have a dedicated savings account that you're popping it into? Yep. Beautiful. How much do you have in savings in that account at the moment? 1,000. Yeah. Perfect. Excellent. And just with your other assets, now I've got your car. What kind of car do you drive at the moment? Engine. Yep. Beautiful. We had a value on that last year of about 6,000. Would you still keep that value at about the same, or what would you value your vehicle at now? Yep. Yep. Beautiful. Fantastic. We also had your motorcycle. Do you still have that one? That's okay. We had a value of your motorcycle about 12,000. Is it valued about the same, do you think? Or okay. Fantastic. And what kind of vehicle no. That's okay. What kind of motorcycle is it? Fantastic. Seven 100. Yeah. Beautiful. And do you get out very much on it? Yeah. Fantastic. That's excellent. And do you have any debt selling on this one, or is it owned outright? How much do you have owing on it still? How much did you borrow originally for it? About 20,000. Yep. That's okay. I'll just note down here that you borrowed 20,000 initially, that you've just started paying it off, so it might be a little bit lower. Yeah. That's absolutely fine. Not a problem at all. Beautiful. Now I also had down here as an asset some tools. You had a value on those combined of about a thousand dollars. Would you keep that about the same or update that lower? What do you yep. Beautiful. Fantastic. And are you renting where you live at the moment, or is it owned? Or renting? Sorry. Yep. Yep. Beautiful. And how much rent are you paying on a weekly or fortnightly basis currently? $3.60. Perfect. That's pretty good, Brent. Is that per week? Per week. Yep. Beautiful. And do you have any other investments, shares, cryptocurrency, any, you know, other savings or assets or anything else you'd note down? No. That's okay. A weird one that I tend to put down is content. Do you have contents insurance? Or no. That's okay. It's a bit strange, but the contents are still technically an asset. While they do tend to devalue over time, it's an asset for centrelink purposes down the track. But if you had to sort of if you tipped your house up, so then and everything fell out, all the items that fall out are technically contents. If you looked at that to replace, it could cost quite a significant amount. If you thought about your contents, what sort of replacement value would you put on those, do you think? Tough one, though. 20,000? Fantastic. Excellent. Well, thank you so much for updating those details there for me. And, Janette, just confirming, as but, you know, there's a nonsmoker. That's correct? No changes? Yep. Beautiful. Nice and healthy. Love that. Estate planning wise, have you ever had a will drawn up? Power of attorney? Have you ever sought the services on the stuff? No. That's okay. Is it something that's on the list to do? Have you considered no. No. That's okay. It is something to think about. And I know a lot of people sort of say to me, well, I don't really have a lot in the way of assets. But when you look around, you actually probably do. If you think about things that might be family heirlooms that you might wanna have passed to someone specifically, you might wanna request some money to, you know, to a a a a charity or someone that's, you know, near and dear to yourself without having a will. And I know with having, you know, your mom passing in the past, you probably were aware well aware of the estate planning aspect to it. But if you were to pass away currently without a will, you pass away intestate, and that essentially means that everything has to go through a legal process. So people from your past can come forward to take a claim on what they think they're entitled to with your assets. And going through a legal process means that the legal system makes a decision on who gets what. So it may not be passed the way you want it to be. It may mean if you're wanting everything to be handed down to your two sons, that they may not get the opportunity to receive it the way you want them to. So as much as it is a bit of a cost, having a will is really important to do. It can be a simple will can cost, you know, $1.02, $300. You can even get a will kit from the post office and complete it correctly, or a more complex will can cost a little bit more. But if you've got a bit of money aside, it is definitely worth speaking to a solicitor and having something drawn up to protect you. Yeah. Yeah. So definitely keep that in mind if you you know, we'll definitely revisit that again when we talk in six months' time. But, yeah, feel free to have a think about that and just have a one day when you're sort of standing at home, have a bit of a look around at everything that you do have and just maybe have that think about what would I what would happen if something happened to me if I was to pass away? What do I want how do I want everything to be passed down? Who do I want to receive certain things? What, you know, do I and it means selling off your car. It means selling off your motorcycle. It also means all of your contents. You might have family airlines or things that you held for for as a child or things that have been passed down from other family members to yourself that might be really important to keep aside. So it is definitely worth having a think about how you would want things to be passed to people. Yeah. Yeah. So bit of food for thought there for you. It is definitely worthwhile thinking about and and speaking to a solicitor to do those sorts of things. And I'll make sure I revisit those in February when we come back and and revisit the conversation again for you. Okay. Yeah. Oh, good. Fantastic. It's looking forward at future goals. Now we're looking at, your retirement and at about 60, noting that you would be comfortable working longer if you needed to there as well. Is there any other goals that you might have at the moment? No. That's okay. How do you that's okay. Have you thought about how you wanna spend your time at Giz? What do you wanna be doing? Oh, no. Five years? That's okay. Few motorcycle rides, maybe traveling as much as you can. Is there any kind of project? Yep. Yep. Beautiful. Beautiful. Excellent. One of the other things I would like to sort of have you think about between now and February as well is what kind of income that you might think you need to live on. So, essentially, what we wanna do when we are updating the advice and looking forward towards your retirement is looking at what you might need to live on on a regular basis. Yeah. And because you are renting, rental definitely come into an effect there as well. So if if you can over the next few months, just have a think about whether you would be needing to replace your current income. So you're on about $50,000 per year at the moment. Would you just wanted to draw down the same income you have, or is there a different specific amount of money you think would be appropriate for you to draw down on a weekly or fortnightly basis from super to live on in those time years? Because we'll look at that as a bit of a goal and look look forward. Yeah. So one of the things that we do like to do is utilize the time between now and when you're wanting to access super. We project everything forward. We do utilize past data for investments to see how they have performed and what we expect things to how we expect them, sorry, to react in the future. But we also yep. All good. Yep. Absolutely. I've given you a little bit of homework this week, haven't I? Yeah. Because what yeah. No. It'd be good. Because when we look at projecting things out, we look at, you know, how the the outcome of when we get to the retirement age that you're after, how long your super is expected to last, and how we can supplement that at 67 by maybe adding in Centrelink and what that looks like to sort of show you longevity and what we're expecting project wise out of your super. So it kinda shows you where we're tracking for, what we hope to expect out of that, and then we keep providing advice and updating it for you as as you track forward there. Okay? All good. Now I know I've touched on a lot, Donald. Do you have any questions for me? Is there anything that I may not have touched on that you were wanting to speak about, or do you have any questions in relation to anything I have pulled up? So that's the other thing I was gonna definitely bring up with you is our ongoing service fee. So it has definitely changed a little bit. The fee you were on last the last couple of years was a set percentage fee of 1.65%. And that essentially as an ongoing service fee of 1.65%, it means that it does fluctuate with the market. And it does mean that as your super balance increases over time, the more we expect to receive also does increase with it as well. This this year, however, we have changed our fee structure. Do you receive the newsletter very often? Do you read that? Is yep. Yeah. So what's what's changed what's changed with our ongoing service fee is that we've set it to be more of a fixed dollar. So we've got a tiered structure now. It basically means that from your balance being 0 to 200,000, the percentage remains at 1.65%. We actually go and calculate that 1.65%, and then we add 5% as growth on top of that. Then when your ongoing service agreement, we actually add that as a fixed dollar figure fee. And the reason we're doing that is because it actually works out better for you. We're in county we're incorporating that 5% growth, but on the old fee structure, if you've got, you know, 15% growth, then our fee increases along with that additional growth. Whereas right now, it won't. It means that you will not pay any more than what is being noted here. I believe the fee structure, the dollar figure should say $3,283.45. So it actually gives you a lot more clarity around what that fee is going to be, and we won't charge any more than what's being said there. The other change with our fee structure is that it's also a tiered structure now, a little bit like the tax system. So if you think about the tax rates, yeah, every time your income goes up, you go into a new tax bracket. With our ongoing service fee, as your balance increases, our fee bracket actually decreases. So our ongoing service fee for balances of 0 to 200,000, that's at 1.65%. Once your super balance reaches that 200,000, you then go into the next tier structure, and that reduces your ongoing service fee for balances over 200,000 to 500,000. We then charge 1.375. And then when your super balance goes over 500,000, you drop to the next tier structure, and that becomes 1.1 0%. So each, yeah, so each tier actually drops a little bit. So as your balance increases, And we work that out essentially as a percentage. We add the five percent of growth to the total, and then we give you a set dollar figure fee in your annual in your, ongoing service agreement. So you know exactly what you're gonna pay this year, and it's encompassing 5% growth. But if you get 25% growth, it it doesn't increase your fee. The next year, we just readjust it and do the dollar figure again and show you what you're expected to pay. So it's actually working out, yeah, it actually works out more beneficial for you because that ongoing service agreement tells you how much you're going to pay regardless of what happens, and it gives you more certainty. And as your balance increases, each tier that you drop down decreases in the percentage that you pay us. So it tends to work out a little bit better over time for you as well. Does that make sense? Yeah. Yeah. It's giving you a lot more certainty around the ongoing service fee, and it still encompasses the agent's the super looking after your super and everything around that. We still provide advice and wanna keep tracking forward, and there's no implementation fees for any new advice around the super system there. So we just wanna make sure things are working harder for you and then, you know, making sure that we're continuously working on your behalf and in your best interest. But we do have to charge a fee for doing so, but we try to make it as fair as possible. Yeah. Does that make sense? Do you have yeah. Oh, good. Fantastic. So if you are comfortable to stay on board for the next twelve months, we do ask that you sign the ongoing service agreement there for me. If you're comfortable comfortable to do so now, that would be fabulous. If you wanna take it back and read it through, that's fine. Is it working for you? Fantastic. Yep. Beautiful. And so just to kind of recap, everything's working well. We'll give your super and your portfolio another six months. We'll come back in February. We'll do a catch up. We'll then we'll then reassess, know, your risk level, your retirement goals, your retirement income, and maybe some salary sacrifice there and revisit the insurance aspect for you as well. Is that right? Am I on the right track with that? Fantastic. Oh, fantastic. Thank you so much. It's just come back to me. I appreciate that, Donald. Thank you so much. My pleasure. Anytime. You have an amazing afternoon. I'll talk to you in six months unless something comes up that I need to sort of touch base with you earlier. In the meantime, we'll get your beneficiary nomination for your super updated and sent to you. And I'll also send you a little email just outlining the income protection, the life, the TPD, and the trauma policies just so you can have a look and compare what you have versus what you might think you need down the track. Okay? My pleasure. You have a lovely afternoon. It's been an absolute pleasure catching up with you. Talk to you soon. See you later. 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Donald. It's Zaina from OQ Financial. How are you this afternoon? I'm very well. Thank you.\n\nThank you for asking. I had you booked in to go through your annual review today. Is now still a good time there for you? Oh, fantastic. I do apologize.\n\nBeen a little bit late on that one. I just was running a little bit late this afternoon, so I am very sorry for calling you a bit later. All good. Donald, before we jump into the call, just to let you know, would you record our calls for quality and training purposes? Are you happy for us to proceed with that?\n\nYep. Fantastic. And we also do normally email or send through a copy of some review documents to you to kinda go through with us. Do you have access to your emails at the moment? If you don't, that's honestly okay.\n\nFantastic. I'm just gonna send press send on this email for you if you're able to jump into your emails there. It'll come through from. All good. Hopefully, it comes through fairly quickly there for you.\n\nJust press send on that one. If technology lacks us, that is, isn't it? All good. Now well, that's okay. Now while that is coming through, I do have to let you know moving forward throughout the call, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that through the annual review? Fantastic. Excellent. And just to do security with you as well, just to confirm, your full name, your date of birth, and address I should have on file there. Beautiful.\n\nFantastic. And how cold is it down in Orange there at the moment? Oh, yuck. No. No.\n\nLook. I understand your weather quite well. My husband's family are from Young, so I'm well at best in your kind of weather. Yeah. Yeah.\n\nOh. Oh, wow. It was raining. You got a bit of rain down there. Is that well needed at the moment?\n\nYep. Wow. Well, hopefully, it's well needed. All good. Yeah.\n\nAbsolutely. Now has that email popped through to you there at the moment at all or as yet? You're right. If it hasn't come into your inbox, just double check your junk mail as well. Sometimes I do get sent through to junk mail.\n\nThere we go. Fantastic. Now when you open that one up, it will have a little button that says sign or click to sign here. I won't get you to click that one just yet if possible. If you can just scroll down to the bottom, there'll be a couple of attachments there for you, and one of those will have your superannuation, a summary of super and insurance.\n\nIt should be the heading. Yeah. Is that opening up there for you? No. That's okay.\n\nYou're fine. Fantastic. So that one there is giving you an update on your super balance. So when I have a look back at your annual review last year, your super balance back then, we had a $156,084.50 there. So looking forward, we're up to a 189,521 and 5¢ there.\n\nSo we have seen a good increase in your super balance. Yeah. Well, we have a bit of a look at how everything has performed investment wise. And if you wanted to, if you're able to if you go back to the email, we've also got the Netwealth Asset Performance Report attached there if you wanted to open that one up as well. That's okay.\n\nYou're fine. Yeah. Yep. Beautiful. So that one there is giving you an update on all the investments in within your super fund there.\n\nSo within net worth, I'll be everything generally has been working quite well. One of the things I did sort of notice, and I'm not sure if you remember receiving this or not, but around about March this year, we sent through an email with an updated record of advice just to and note some changes that we were making to your portfolio. Do you remember receiving that email there at all? That's okay. Essentially no.\n\nThat's okay. More than happy to send it through to you again. Essentially, with that email there, we had sort of noticed that this year that one of your underlying investments wasn't performing as well as we sort of would like. So, originally, within your portfolio, you had an investment called Ben along Australian Equities. That investment, to give you a bit of a breakdown, is a managed fund.\n\nIt's an actively managed fund. So the investment manager is meant to be trying to outperform against the market, but they haven't been able to do so. And some of their underlying investments have had a few issues. So we decided we didn't want you in anything underperforming. So we sold that investment and moved you out of it, and we've put you into the beta shares a 200.\n\nSo if you look at your on that performance report, you should see cash, then alternative investments, which shows physical gold, and underneath that, you'll have the Australian equities investments. Yeah. The banner long shows that we had sold that out completely, and we moved you into the a 200, which is the beta shares a 200. One of the main reasons for moving you into that investment was for greater diversification. So within the Bennelong managed fund there, they actually only hold generally between 15 to 25 different investment options, whereas the a 200 is giving you exposure to the top 200 companies on the ASX.\n\nSo it is helping to provide greater diversification, which is good, but it has also performed greater. It's also more of a passively managed fund as well. So instead of having an active manager, it's trying to outperform against the market and time the market. The beta shares a 200 is more passively managed with tracking an in an index, the top 200 companies on the ASX and the industries that goes along with that. So it's helping to lower your overall risk of the of the portfolio as well.\n\nAnd so far, it has definitely performed really well and nicely. When we sort of look at how that plus everything else has gone over the past sort of twelve months there, your portfolio, if you look at the second page of that, on the very bottom line, it shows you're up by 8.36% net of fees, so after fees for the year. Yeah. That is a good return. Yeah.\n\nAnd, look, with the portfolio, you're you're in more of that high growth environment there. So that's where you're sort of seeing 90% of your super invested in those higher risk investments. Think about things like Australian and international shares, listed property and commodities there. So you are taking on a little bit more risk in the market to obtain greater potential returns in this high growth environment and sort of hoping you're tracking to try and achieve about eight to 10% on a yearly basis as an average and compounding that forward. So in a high growth environment, anything over, say, 10% means your portfolio is overperforming and doing extremely well.\n\nAnything under that 8% is essentially an underperformance there. So the fact that you've received that 8.36 as a net return, it's within that range that we're sort of hoping for. And this year, you've probably seen on the news a lot of ups and downs with everything that's been happening with The US. So you yeah. So your portfolio has still worked nicely.\n\nWe've come out with an average return for the year. And at a time where we saw a lot of volatility as well, so the ups and downs this year had seen quite drastic changes in the market in short period of time. It's it always sort of when you're looking at the news, does come across and seem a lot worse than it is. Generally, at the worst, we saw about a 3% drop there. But when you're in that sort of high growth environment, you feel those drops.\n\nYeah. Yeah. Yeah. So that's the index chart, and that essentially shows you how different investments have reacted over time and why we invest the way we do. So looking at that chart there, if you think about the top investment, which is international equities, if you had to put, you know, 10,000 into that investment solely back there in 1995 and let it sit over the course of the last thirty years, it does show you a greater overall return.\n\nIt's compounded a bit over 10% there and $1,010,000 to $214,000. But you can sort of see the ups and downs that you would have had to go through in that time frame, and you could imagine sitting through that over the course of thirty years. It could be an emotional roller coaster. So yeah. Yeah.\n\nSo it's about making sure you're comfortable with the risk level you're taking to obtain the rewards that you're after as well. And as you get closer and closer to as you get closer to accessing sleeper, we'll definitely start to wind back your risk level a bit. We'll probably just drop it back in 10% increments as we get closer and closer. That way, you're stepping down gradually. So when you get to those retirement years and start actually drawing an income out, that, you know, you've got you've got a lower risk.\n\nYou've got a bit more income producing within your portfolio, that you're not not seeing those ups and downs as drastically. Does that make sense? Yeah. Yeah. So, look, honestly, I'm very happy with how things have gone with your portfolio and your super fund at the moment.\n\nI would be probably not wanting to update things because we have just made the changes within your portfolio currently. It'd be worth just giving it maybe another six months and sort of sitting on things to see how it performs over the next six months and then maybe look at adjustments down the track. That is in unison with your risk level. So if the only sort of reason I would wanna maybe look at making changes now is if you are finding that you wanna kinda pull back the risk level a little bit. And in looking at that, I sort of also wanted to check about your retirement goals and because having a look now, you're 56 next month.\n\nIs that right? Yeah. So when are you sort of hoping to be able to start accessing your super down the track and maybe retire? What's your goal like that? When you're 60?\n\nYep. It is. Yeah. Definitely. So the other thing to sort of think about is the high growth portfolio because you are taking a bit more risk in the market.\n\nAnd when you look at that Vanguard index chart there, essentially, 90% in those high growth investments means you're 90% invested in US shares, Australian shares, international shares, and listed properties. So you are taking a bit more risk, and we'll go through those sorts of ups and downs. A high growth portfolio normally suits someone who has at least eight years before they're planning to access their money. So if you are maybe wanting to access your super, I would be more inclined in the next five years, I'd be inclined to maybe start drawing back that risk level a little bit for you now and starting to reduce it back a little bit. Yeah.\n\nHow do you sort of feel about that knowing that you're about five years away from wanting to access those funds? Yep. Yep. All good. So you would be comfortable with me maybe dropping back your risk cover a little bit and starting to pull you back a bit now?\n\nYeah. Another six months? Yep. Yep. That's absolutely fine.\n\nYep. Not a problem. So another six months, and then we'll reevaluate the risk level for you. If in the meantime that's okay. If in the meantime, we see anything that kind of flags that we may need to maybe drop your risk level a little bit more, then I'll absolutely make sure I contact you to do so.\n\nIf, say, the other thing to sort of think about is if were to, say, find the market took a big sort of dip, we saw a 20% drop over the next, say, one to two or three years, and it took a little bit longer for your portfolio to recover, would you be open to working longer than sixty, or would you still wanna retire at 60 knowing you're probably cementing some of those downtimes? How do you feel about that? Yep. Okay. Yeah.\n\nYeah. Perfect. So you would be comfortable to keep working longer to allow your portfolio time to recover in that instance. Yep. Beautiful.\n\nFantastic. The other thing I just wanted to sort of have a look at with your risk profiling questionnaire is just how you sort of see yourself when you think about risk levels. So when you think about risk between a number between one and five, five being the highest level of risk, all invested in equities, or one being the lowest, all sitting in cash. Where would you sort of fit yourself? Do you think yourself more in the middle about a three or a four?\n\nYep. Beautiful. That's okay. So a little bit low risk. Yep.\n\nYep. So not the lowest, but probably on that lower risk sort of scale. Yep. Yep. Absolutely.\n\nAnd have you ever owned shares or investments in your own name before? Nope. That's okay. All good. And if the market did take a or if you saw your super balance fall over, say, the next six months or the next twelve months, how do you think you might be feeling?\n\nAre you feeling a bit optimistic about the investment opportunities available to you? Are you a bit cautious about the drop concerned or feeling a bit anxious? Yep. Yep. No.\n\nThat's okay. Yeah. That's okay. All good. And how the last question I wanted to sort of ask is how much risk are you comfortable taking in order to obtain greater potential returns?\n\nDo you think you're comfortable taking on a higher level of risk to get the greater returns knowing that you could feel the downtime much greater? Are you probably in the middle there? Or Yeah. Sorry. Yep.\n\nYep. Yep. Yeah. Yep. Yep.\n\nAbsolutely. Not a problem. All good. Sales Absolutely. Now having a look at that one there, you have scored as more of a growth investor.\n\nSo you've kind of made mention to me that you are happy to stay in that high growth environment just for a little bit longer. I'm comfortable leaving you there for another six months. We'll come back and review things. Just knowing that whilst you do have that five year time horizon that you are comfortable working longer if you need to. And then we'll come back in six months' time.\n\nIf I need to speak to you earlier, I'll make sure I do. But, otherwise, February will do a bit of a catch up, and we'll talk seriously about reducing your risk level and what that looks like moving forward for your portfolio and and for your retirement aspect. Does that sound okay? Yep. Fantastic.\n\nExcellent. Now the other thing to sorta have a chat about is the insurances. So on that last document that you did have open, that was your insurance and super summary. It ran through the updated insurances that you do have within your, BT life insurance policy. To give you a bit of an idea with your life cover, so it pays out a lump sum benefit if you were to pass away, you're currently insured for about $86,906.\n\nSo if you think about that level of cover, if you were to pass away today, I do not want it to happen, but if you were for hypothetical purposes to pass away today, your beneficiary could then receive your life insurance of the $80,189,521. So it means the total life cover paid to your beneficiary could be around about 276,426. Is that kind of how did you want that to be sort of paid out to you? Who's your beneficiary? How would you like that to be received?\n\nAnd the two sons? Yep. Beautiful. I've got them noted down here for you as sorry. Is it Donnie and Sam?\n\nIs that right? Yep. Beautiful. For 50% each to receive the the insurance benefit. Yep.\n\nYep. Beautiful. On your super, I have your super beneficiary noted down to be Donny has to receive 50%, Mary has to receive 25%, and Sam has to receive 25%. Is that how you Oh, I'm so sorry. And that was Marie.\n\nYeah. Okay. Absolutely. So what we'll do if you're comfortable is we'll need to update that super beneficiary nominations. So are you happy with us pre filling that for you so to nominate 50% each to to Donnie and Sam?\n\nYep. Beautiful. The DBN. Yep. Oops.\n\nDid you want us to pre fill the form as much as we can to make it easier, or are you happy just filling it out? Yeah. That's okay. We we're happy to prefill it out. I've got Sam and Donnie's details here so we can fill that out for you.\n\nYou're comfortable with 50 percent paid. That's okay. 50% paid each way. Is that right? Beautiful.\n\nAnd now the other thing to sort of confirm is with the beneficiary nominations, you have three types of nominations. The first one is nonbinding. Essentially, you're just telling the trustee this is what you want to happen, but on your passing, unfortunately, the super fund gets to make the decision as to whether they follow that or not. And non they have a nonlapsing sorry. A non they have a binding non lapsing.\n\nI apologize, which means you have to refill that format every three years, or we can do it non lapsing binding for you. So we'll fill it out now, place it on file, and it will never have to be updated unless you make that unless you wanna make that change. Which option would be that sounds good? Yeah. Beautiful.\n\nExcellent. I'll have that form prefilled for you and sent to you. That way, you just need to sign it. Have two witnesses sign it as well. The witnesses just can't be the beneficiaries.\n\nSo Sam and Donnie can't be the witnesses of that document. And if you've got, you know, a couple of neighbors, a relative, or someone else that can sign it with you, we'll just need you to have that witness sent back to us, and we'll have it applied and updated for you. Okay. Beautiful. And I'm so sorry for your loss.\n\nThat's alright. So when you think about that that 276 odd thousand of life cover paid out, is that are you comfortable with that amount? Did you wanna look at reviewing your life cover at all at the moment, or are you just happy with that? No. That's okay.\n\nBeautiful. You've also got TBD, so total permanent disability cover. Do you know what TBD is, how that works? Or yep. Yeah.\n\nThat's okay. So TBD is a total permanent disability. So it's essentially paying out either a lump sum or an income stream if you're unable to ever go back to work again. The level of cover you have with BT Life is 86,906. So it means that in the event of claiming, that's how much you could claim on.\n\nIf you are TBD, we can also try to claim against your super under the condition of release of incapacity. Are you fairly happy with that level of cover? Did you wanna look at reviewing that at all? Or yep. Yeah.\n\nYeah. Absolutely. Not a yep. That's absolutely fine. If you ever decide you wanna review that, let me know.\n\nNot a problem at all. Yeah. I've also got down here. Now you don't have any other types of personal insurances like income protection or trauma. Has anyone ever spoken to you about those, or do you wanna look at understand what they are?\n\nOr sorry. Six months? Yeah. Absolutely. With your role now you're a butcher.\n\nIs that right? Fantastic. Do you have much in the way of sick leave, annual leave, holidays, or savings you can kinda fall back on? Yep. Yep.\n\nHow much leave do you sorta have accrued if you're aware? Okay. Beautiful. So yeah. Beautiful.\n\nSo in the event of not being able to go to work in the short term due to illness or injury, you'd have that 300 hours of leave to fall back on to provide income. Yep. That's absolutely. Fantastic. Well, that's great.\n\nSo your sleep is working really well. We'll give it another six months, and then we'll come back and review that together. You're happy with your insurances, so no changes to be made there at the moment. We'll come come back in six months and have a chat about that as well. Did did you just to kinda give you food for thought, did you want me to have any questions around what the insurances are, life, PPD, income protection, or trauma, what those sorts of insurances payout, how they payout?\n\nDid you have any around any of those at all? Or yeah. Yeah. I can break down that. Yeah.\n\nAbsolutely. I can send out an email that breaks down what the different types of insurances are, how what they can cover you for, how they are paid to give you food for thought, and then I'll break down what you have here in the life and TBD. And then you can always come back with additional questions if you need to. You can always come back if you wanna have a look at what those types of covers are, and we can always review those. You're not limited to one call a year.\n\nIf want me to talk to you every few months and we come back and review things again, that's absolutely fine. Yeah. Fantastic. I'll get that email out to you this afternoon so you've got that there for a bit of reading. Okay.\n\nFantastic. All good. Now I just also wanted to update a couple of details with you just to see if your circumstances has changed. So income wise, last time we caught up for your review, you were on about 50,000 per annum. Have you had any changes to income as your income increased?\n\nOr no? That's okay. That's alright. So 50,000. Perfect.\n\nNow it looks like you're not making any additional contributions to super. Are you in a position to be able to make it, like, salary sacrifice or additional contributions to super, or you're sort of not wanting to at the moment? What's your thoughts around that? Yep. Yep.\n\nPerfect. Yeah. That's fine. We can add that into the six month catch up if you like. That way, we can have a look at that.\n\nBecause, realistically, if you're wanting to retire in about five years, we wanna kinda give your super as much as a boost as we possibly can. And I don't want you to be taking on too much risk right up into the day you retire. We do wanna pull that back. We can supplement, you know, reducing the risk with adding some additional contributions to help boost your super a bit further. So are are are you comfortable with me maybe including that in the February conversation for you?\n\nYeah. Fantastic. In the meantime, it's yeah. In the meantime, it gives you something to think about, you know, what what you might be comfortable doing, how that might look for you, and we can all come back and have that conversation. Beautiful.\n\nExcellent. Are you finding with your your expenditure that you're putting savings away on a regular basis at the moment, or is all of your income going towards your expenses? How are you finding everything at the moment? Yep. Expensive.\n\nYeah. Yep. Yep. That's okay. If you were to quantify what you're saving on a weekly basis, how much do you think you're managing to put away?\n\nOkay. Okay. Beautiful. And you have a dedicated savings account that you're popping it into? Yep.\n\nBeautiful. How much do you have in savings in that account at the moment? 1,000. Yeah. Perfect.\n\nExcellent. And just with your other assets, now I've got your car. What kind of car do you drive at the moment? Engine. Yep.\n\nBeautiful. We had a value on that last year of about 6,000. Would you still keep that value at about the same, or what would you value your vehicle at now? Yep. Yep.\n\nBeautiful. Fantastic. We also had your motorcycle. Do you still have that one? That's okay.\n\nWe had a value of your motorcycle about 12,000. Is it valued about the same, do you think? Or okay. Fantastic. And what kind of vehicle no.\n\nThat's okay. What kind of motorcycle is it? Fantastic. Seven 100. Yeah.\n\nBeautiful. And do you get out very much on it? Yeah. Fantastic. That's excellent.\n\nAnd do you have any debt selling on this one, or is it owned outright? How much do you have owing on it still? How much did you borrow originally for it? About 20,000. Yep.\n\nThat's okay. I'll just note down here that you borrowed 20,000 initially, that you've just started paying it off, so it might be a little bit lower. Yeah. That's absolutely fine. Not a problem at all.\n\nBeautiful. Now I also had down here as an asset some tools. You had a value on those combined of about a thousand dollars. Would you keep that about the same or update that lower? What do you yep.\n\nBeautiful. Fantastic. And are you renting where you live at the moment, or is it owned? Or renting? Sorry.\n\nYep. Yep. Beautiful. And how much rent are you paying on a weekly or fortnightly basis currently? $3.60.\n\nPerfect. That's pretty good, Brent. Is that per week? Per week. Yep.\n\nBeautiful. And do you have any other investments, shares, cryptocurrency, any, you know, other savings or assets or anything else you'd note down? No. That's okay. A weird one that I tend to put down is content.\n\nDo you have contents insurance? Or no. That's okay. It's a bit strange, but the contents are still technically an asset. While they do tend to devalue over time, it's an asset for centrelink purposes down the track.\n\nBut if you had to sort of if you tipped your house up, so then and everything fell out, all the items that fall out are technically contents. If you looked at that to replace, it could cost quite a significant amount. If you thought about your contents, what sort of replacement value would you put on those, do you think? Tough one, though. 20,000?\n\nFantastic. Excellent. Well, thank you so much for updating those details there for me. And, Janette, just confirming, as but, you know, there's a nonsmoker. That's correct?\n\nNo changes? Yep. Beautiful. Nice and healthy. Love that.\n\nEstate planning wise, have you ever had a will drawn up? Power of attorney? Have you ever sought the services on the stuff? No. That's okay.\n\nIs it something that's on the list to do? Have you considered no. No. That's okay. It is something to think about.\n\nAnd I know a lot of people sort of say to me, well, I don't really have a lot in the way of assets. But when you look around, you actually probably do. If you think about things that might be family heirlooms that you might wanna have passed to someone specifically, you might wanna request some money to, you know, to a a a a charity or someone that's, you know, near and dear to yourself without having a will. And I know with having, you know, your mom passing in the past, you probably were aware well aware of the estate planning aspect to it. But if you were to pass away currently without a will, you pass away intestate, and that essentially means that everything has to go through a legal process.\n\nSo people from your past can come forward to take a claim on what they think they're entitled to with your assets. And going through a legal process means that the legal system makes a decision on who gets what. So it may not be passed the way you want it to be. It may mean if you're wanting everything to be handed down to your two sons, that they may not get the opportunity to receive it the way you want them to. So as much as it is a bit of a cost, having a will is really important to do.\n\nIt can be a simple will can cost, you know, $1.02, $300. You can even get a will kit from the post office and complete it correctly, or a more complex will can cost a little bit more. But if you've got a bit of money aside, it is definitely worth speaking to a solicitor and having something drawn up to protect you. Yeah. Yeah.\n\nSo definitely keep that in mind if you you know, we'll definitely revisit that again when we talk in six months' time. But, yeah, feel free to have a think about that and just have a one day when you're sort of standing at home, have a bit of a look around at everything that you do have and just maybe have that think about what would I what would happen if something happened to me if I was to pass away? What do I want how do I want everything to be passed down? Who do I want to receive certain things? What, you know, do I and it means selling off your car.\n\nIt means selling off your motorcycle. It also means all of your contents. You might have family airlines or things that you held for for as a child or things that have been passed down from other family members to yourself that might be really important to keep aside. So it is definitely worth having a think about how you would want things to be passed to people. Yeah.\n\nYeah. So bit of food for thought there for you. It is definitely worthwhile thinking about and and speaking to a solicitor to do those sorts of things. And I'll make sure I revisit those in February when we come back and and revisit the conversation again for you. Okay.\n\nYeah. Oh, good. Fantastic. It's looking forward at future goals. Now we're looking at, your retirement and at about 60, noting that you would be comfortable working longer if you needed to there as well.\n\nIs there any other goals that you might have at the moment? No. That's okay. How do you that's okay. Have you thought about how you wanna spend your time at Giz?\n\nWhat do you wanna be doing? Oh, no. Five years? That's okay. Few motorcycle rides, maybe traveling as much as you can.\n\nIs there any kind of project? Yep. Yep. Beautiful. Beautiful.\n\nExcellent. One of the other things I would like to sort of have you think about between now and February as well is what kind of income that you might think you need to live on. So, essentially, what we wanna do when we are updating the advice and looking forward towards your retirement is looking at what you might need to live on on a regular basis. Yeah. And because you are renting, rental definitely come into an effect there as well.\n\nSo if if you can over the next few months, just have a think about whether you would be needing to replace your current income. So you're on about $50,000 per year at the moment. Would you just wanted to draw down the same income you have, or is there a different specific amount of money you think would be appropriate for you to draw down on a weekly or fortnightly basis from super to live on in those time years? Because we'll look at that as a bit of a goal and look look forward. Yeah.\n\nSo one of the things that we do like to do is utilize the time between now and when you're wanting to access super. We project everything forward. We do utilize past data for investments to see how they have performed and what we expect things to how we expect them, sorry, to react in the future. But we also yep. All good.\n\nYep. Absolutely. I've given you a little bit of homework this week, haven't I? Yeah. Because what yeah.\n\nNo. It'd be good. Because when we look at projecting things out, we look at, you know, how the the outcome of when we get to the retirement age that you're after, how long your super is expected to last, and how we can supplement that at 67 by maybe adding in Centrelink and what that looks like to sort of show you longevity and what we're expecting project wise out of your super. So it kinda shows you where we're tracking for, what we hope to expect out of that, and then we keep providing advice and updating it for you as as you track forward there. Okay?\n\nAll good. Now I know I've touched on a lot, Donald. Do you have any questions for me? Is there anything that I may not have touched on that you were wanting to speak about, or do you have any questions in relation to anything I have pulled up? So that's the other thing I was gonna definitely bring up with you is our ongoing service fee.\n\nSo it has definitely changed a little bit. The fee you were on last the last couple of years was a set percentage fee of 1.65%. And that essentially as an ongoing service fee of 1.65%, it means that it does fluctuate with the market. And it does mean that as your super balance increases over time, the more we expect to receive also does increase with it as well. This this year, however, we have changed our fee structure.\n\nDo you receive the newsletter very often? Do you read that? Is yep. Yeah. So what's what's changed what's changed with our ongoing service fee is that we've set it to be more of a fixed dollar.\n\nSo we've got a tiered structure now. It basically means that from your balance being 0 to 200,000, the percentage remains at 1.65%. We actually go and calculate that 1.65%, and then we add 5% as growth on top of that. Then when your ongoing service agreement, we actually add that as a fixed dollar figure fee. And the reason we're doing that is because it actually works out better for you.\n\nWe're in county we're incorporating that 5% growth, but on the old fee structure, if you've got, you know, 15% growth, then our fee increases along with that additional growth. Whereas right now, it won't. It means that you will not pay any more than what is being noted here. I believe the fee structure, the dollar figure should say $3,283.45. So it actually gives you a lot more clarity around what that fee is going to be, and we won't charge any more than what's being said there.\n\nThe other change with our fee structure is that it's also a tiered structure now, a little bit like the tax system. So if you think about the tax rates, yeah, every time your income goes up, you go into a new tax bracket. With our ongoing service fee, as your balance increases, our fee bracket actually decreases. So our ongoing service fee for balances of 0 to 200,000, that's at 1.65%. Once your super balance reaches that 200,000, you then go into the next tier structure, and that reduces your ongoing service fee for balances over 200,000 to 500,000.\n\nWe then charge 1.375. And then when your super balance goes over 500,000, you drop to the next tier structure, and that becomes 1.1 0%. So each, yeah, so each tier actually drops a little bit. So as your balance increases, And we work that out essentially as a percentage. We add the five percent of growth to the total, and then we give you a set dollar figure fee in your annual in your, ongoing service agreement.\n\nSo you know exactly what you're gonna pay this year, and it's encompassing 5% growth. But if you get 25% growth, it it doesn't increase your fee. The next year, we just readjust it and do the dollar figure again and show you what you're expected to pay. So it's actually working out, yeah, it actually works out more beneficial for you because that ongoing service agreement tells you how much you're going to pay regardless of what happens, and it gives you more certainty. And as your balance increases, each tier that you drop down decreases in the percentage that you pay us.\n\nSo it tends to work out a little bit better over time for you as well. Does that make sense? Yeah. Yeah. It's giving you a lot more certainty around the ongoing service fee, and it still encompasses the agent's the super looking after your super and everything around that.\n\nWe still provide advice and wanna keep tracking forward, and there's no implementation fees for any new advice around the super system there. So we just wanna make sure things are working harder for you and then, you know, making sure that we're continuously working on your behalf and in your best interest. But we do have to charge a fee for doing so, but we try to make it as fair as possible. Yeah. Does that make sense?\n\nDo you have yeah. Oh, good. Fantastic. So if you are comfortable to stay on board for the next twelve months, we do ask that you sign the ongoing service agreement there for me. If you're comfortable comfortable to do so now, that would be fabulous.\n\nIf you wanna take it back and read it through, that's fine. Is it working for you? Fantastic. Yep. Beautiful.\n\nAnd so just to kind of recap, everything's working well. We'll give your super and your portfolio another six months. We'll come back in February. We'll do a catch up. We'll then we'll then reassess, know, your risk level, your retirement goals, your retirement income, and maybe some salary sacrifice there and revisit the insurance aspect for you as well.\n\nIs that right? Am I on the right track with that? Fantastic. Oh, fantastic. Thank you so much.\n\nIt's just come back to me. I appreciate that, Donald. Thank you so much. My pleasure. Anytime.\n\nYou have an amazing afternoon. I'll talk to you in six months unless something comes up that I need to sort of touch base with you earlier. In the meantime, we'll get your beneficiary nomination for your super updated and sent to you. And I'll also send you a little email just outlining the income protection, the life, the TPD, and the trauma policies just so you can have a look and compare what you have versus what you might think you need down the track. Okay?\n\nMy pleasure. You have a lovely afternoon. It's been an absolute pleasure catching up with you. Talk to you soon. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Donald.","start":3.4399998,"end":4.08,"sentiment":"neutral","sentiment_score":0.12068714201450348},{"text":"It's Zaina from OQ Financial.","start":4.08,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.19896018803119658},{"text":"How are you this afternoon?","start":5.8399997,"end":7.06,"sentiment":"neutral","sentiment_score":0.22887662947177886},{"text":"I'm very well.","start":9.2,"end":10.08,"sentiment":"positive","sentiment_score":0.5634622573852539},{"text":"Thank you.","start":10.08,"end":10.4,"sentiment":"positive","sentiment_score":0.6139205396175385}],"sentiment":"neutral","sentiment_score":0.3116933072314543,"num_words":17,"start":3.4399998,"end":10.4},{"sentences":[{"text":"Thank you for asking.","start":10.4,"end":11.44,"sentiment":"positive","sentiment_score":0.5660295486450195},{"text":"I had you booked in to go through your annual review today.","start":11.44,"end":13.759999,"sentiment":"neutral","sentiment_score":0.2500256324807803},{"text":"Is now still a good time there for you?","start":13.759999,"end":18.375,"sentiment":"neutral","sentiment_score":0.21738243765301174},{"text":"Oh, fantastic.","start":18.375,"end":19.355,"sentiment":"neutral","sentiment_score":0.21404695510864258},{"text":"I do apologize.","start":19.495,"end":20.215,"sentiment":"neutral","sentiment_score":-0.022092469036579132}],"sentiment":"neutral","sentiment_score":0.2527561408778032,"num_words":30,"start":10.4,"end":20.215},{"sentences":[{"text":"Been a little bit late on that one.","start":20.215,"end":21.735,"sentiment":"neutral","sentiment_score":-0.09145383536815643},{"text":"I just was running a little bit late this afternoon, so I am very sorry for calling you a bit later.","start":21.735,"end":26.315,"sentiment":"neutral","sentiment_score":-0.10665934949758507},{"text":"All good.","start":27.76,"end":28.320002,"sentiment":"neutral","sentiment_score":0.15036039799451828},{"text":"Donald, before we jump into the call, just to let you know, would you record our calls for quality and training purposes?","start":28.320002,"end":33.28,"sentiment":"neutral","sentiment_score":0.04390454512428154},{"text":"Are you happy for us to proceed with that?","start":33.28,"end":35.54,"sentiment":"neutral","sentiment_score":0.05482434688342942}],"sentiment":"neutral","sentiment_score":-0.01953930825355553,"num_words":62,"start":20.215,"end":35.54},{"sentences":[{"text":"Yep.","start":37.52,"end":38.0,"sentiment":"neutral","sentiment_score":0.24070660769939425},{"text":"Fantastic.","start":38.0,"end":38.5,"sentiment":"positive","sentiment_score":0.45068472623825073},{"text":"And we also do normally email or send through a copy of some review documents to you to kinda go through with us.","start":39.04,"end":45.125,"sentiment":"neutral","sentiment_score":0.16370828061000162},{"text":"Do you have access to your emails at the moment?","start":45.125,"end":47.285,"sentiment":"neutral","sentiment_score":0.03801612295210362},{"text":"If you don't, that's honestly okay.","start":47.285,"end":48.985,"sentiment":"neutral","sentiment_score":0.02308357786387205}],"sentiment":"neutral","sentiment_score":0.12134986547980367,"num_words":41,"start":37.52,"end":48.985},{"sentences":[{"text":"Fantastic.","start":52.085,"end":52.585,"sentiment":"positive","sentiment_score":0.3698180317878723},{"text":"I'm just gonna send press send on this email for you if you're able to jump into your emails there.","start":52.885002,"end":58.89,"sentiment":"neutral","sentiment_score":0.19344980269670486},{"text":"It'll come through from.","start":59.190002,"end":60.49,"sentiment":"neutral","sentiment_score":0.12081490457057953},{"text":"All good.","start":63.99,"end":64.65,"sentiment":"neutral","sentiment_score":0.20648781955242157},{"text":"Hopefully, it comes through fairly quickly there for you.","start":70.725,"end":72.885,"sentiment":"neutral","sentiment_score":0.18229141500261095}],"sentiment":"neutral","sentiment_score":0.18821311328146192,"num_words":36,"start":52.085,"end":72.885},{"sentences":[{"text":"Just press send on that one.","start":72.885,"end":74.505,"sentiment":"neutral","sentiment_score":0.07738170834879081},{"text":"If technology lacks us, that is, isn't it?","start":76.165,"end":78.665,"sentiment":"neutral","sentiment_score":-0.048482319922186434},{"text":"All good.","start":80.83,"end":81.39,"sentiment":"neutral","sentiment_score":-0.07762745395302773},{"text":"Now well, that's okay.","start":81.39,"end":83.23,"sentiment":"neutral","sentiment_score":0.005723252892494202},{"text":"Now while that is coming through, I do have to let you know moving forward throughout the call, we do record our calls for quality and training purposes.","start":83.23,"end":88.83,"sentiment":"neutral","sentiment_score":0.07262535552893366}],"sentiment":"neutral","sentiment_score":0.04119957810811078,"num_words":48,"start":72.885,"end":88.83},{"sentences":[{"text":"Are you happy for me to proceed with that through the annual review?","start":88.83,"end":92.05,"sentiment":"neutral","sentiment_score":0.09213169227139308},{"text":"Fantastic.","start":93.15,"end":93.65,"sentiment":"positive","sentiment_score":0.44794315099716187},{"text":"Excellent.","start":94.270004,"end":94.725,"sentiment":"positive","sentiment_score":0.3669200837612152},{"text":"And just to do security with you as well, just to confirm, your full name, your date of birth, and address I should have on file there.","start":94.725,"end":100.665,"sentiment":"neutral","sentiment_score":0.16602138678232828},{"text":"Beautiful.","start":104.085,"end":104.585,"sentiment":"neutral","sentiment_score":0.08566690236330032}],"sentiment":"neutral","sentiment_score":0.1530423158086663,"num_words":43,"start":88.83,"end":104.585},{"sentences":[{"text":"Fantastic.","start":107.284996,"end":107.784996,"sentiment":"positive","sentiment_score":0.5986511707305908},{"text":"And how cold is it down in Orange there at the moment?","start":107.924995,"end":111.96001,"sentiment":"neutral","sentiment_score":0.021197988651692867},{"text":"Oh, yuck.","start":112.9,"end":113.48,"sentiment":"negative","sentiment_score":-0.4848896414041519},{"text":"No.","start":116.42,"end":116.74,"sentiment":"neutral","sentiment_score":-0.2754591703414917},{"text":"No.","start":116.74,"end":116.98,"sentiment":"neutral","sentiment_score":-0.20914776623249057}],"sentiment":"neutral","sentiment_score":-0.03537406969596358,"num_words":17,"start":107.284996,"end":116.98},{"sentences":[{"text":"Look.","start":116.98,"end":117.22,"sentiment":"neutral","sentiment_score":-0.13061067461967468},{"text":"I understand your weather quite well.","start":117.22,"end":118.9,"sentiment":"neutral","sentiment_score":-0.031702689826488495},{"text":"My husband's family are from Young, so I'm well at best in your kind of weather.","start":118.9,"end":124.265,"sentiment":"neutral","sentiment_score":0.04148746689315885},{"text":"Yeah.","start":130.555,"end":130.805,"sentiment":"neutral","sentiment_score":-0.00902814231812954},{"text":"Yeah.","start":130.805,"end":131.305,"sentiment":"neutral","sentiment_score":-0.01532331481575966}],"sentiment":"neutral","sentiment_score":0.012744847983121872,"num_words":25,"start":116.98,"end":131.305},{"sentences":[{"text":"Oh.","start":134.805,"end":135.12,"sentiment":"neutral","sentiment_score":0.003973286598920822},{"text":"Oh, wow.","start":135.68,"end":136.4,"sentiment":"neutral","sentiment_score":0.03385614650323987},{"text":"It was raining.","start":136.4,"end":136.95999,"sentiment":"neutral","sentiment_score":0.00913285588224729},{"text":"You got a bit of rain down there.","start":136.95999,"end":138.4,"sentiment":"neutral","sentiment_score":-0.016715972451493144},{"text":"Is that well needed at the moment?","start":138.4,"end":140.09999,"sentiment":"neutral","sentiment_score":-0.005717693162815911}],"sentiment":"neutral","sentiment_score":-0.003555594499976862,"num_words":21,"start":134.805,"end":140.09999},{"sentences":[{"text":"Yep.","start":140.4,"end":140.9,"sentiment":"neutral","sentiment_score":0.08946898579597473},{"text":"Wow.","start":141.44,"end":141.94,"sentiment":"neutral","sentiment_score":0.18441110849380493},{"text":"Well, hopefully, it's well needed.","start":142.4,"end":144.09999,"sentiment":"neutral","sentiment_score":0.3011901408433914},{"text":"All good.","start":144.56,"end":145.22,"sentiment":"positive","sentiment_score":0.41466720402240753},{"text":"Yeah.","start":147.04,"end":147.54,"sentiment":"neutral","sentiment_score":0.11058034002780914}],"sentiment":"neutral","sentiment_score":0.2719745546579361,"num_words":10,"start":140.4,"end":147.54},{"sentences":[{"text":"Absolutely.","start":148.0,"end":148.5,"sentiment":"neutral","sentiment_score":0.1268351525068283},{"text":"Now has that email popped through to you there at the moment at all or as yet?","start":149.205,"end":154.745,"sentiment":"neutral","sentiment_score":0.019419942105955938},{"text":"You're right.","start":154.80501,"end":155.545,"sentiment":"neutral","sentiment_score":-0.0016286969184875488},{"text":"If it hasn't come into your inbox, just double check your junk mail as well.","start":156.485,"end":160.085,"sentiment":"neutral","sentiment_score":-0.09465062667926152},{"text":"Sometimes I do get sent through to junk mail.","start":160.085,"end":164.45,"sentiment":"neutral","sentiment_score":-0.05616171368294292}],"sentiment":"neutral","sentiment_score":-0.03344313747418875,"num_words":44,"start":148.0,"end":164.45},{"sentences":[{"text":"There we go.","start":164.45,"end":165.25,"sentiment":"neutral","sentiment_score":0.04972591623663902},{"text":"Fantastic.","start":165.25,"end":165.75,"sentiment":"positive","sentiment_score":0.33638036251068115},{"text":"Now when you open that one up, it will have a little button that says sign or click to sign here.","start":165.97,"end":171.03,"sentiment":"neutral","sentiment_score":0.10858296283653804},{"text":"I won't get you to click that one just yet if possible.","start":171.41,"end":173.73,"sentiment":"neutral","sentiment_score":0.020091309833029907},{"text":"If you can just scroll down to the bottom, there'll be a couple of attachments there for you, and one of those will have your superannuation, a summary of super and insurance.","start":173.73,"end":182.675,"sentiment":"neutral","sentiment_score":0.0983486893819645}],"sentiment":"neutral","sentiment_score":0.08918918998561044,"num_words":69,"start":164.45,"end":182.675},{"sentences":[{"text":"It should be the heading.","start":182.735,"end":183.955,"sentiment":"neutral","sentiment_score":0.12025373876094818},{"text":"Yeah.","start":186.095,"end":186.595,"sentiment":"neutral","sentiment_score":0.056930724531412125},{"text":"Is that opening up there for you?","start":196.98999,"end":199.01,"sentiment":"neutral","sentiment_score":0.041195087400930266},{"text":"No.","start":203.23,"end":203.55,"sentiment":"neutral","sentiment_score":-0.05388264358043671},{"text":"That's okay.","start":203.55,"end":204.285,"sentiment":"neutral","sentiment_score":0.025256800465285778}],"sentiment":"neutral","sentiment_score":0.058949749218299985,"num_words":16,"start":182.735,"end":204.285},{"sentences":[{"text":"You're fine.","start":204.445,"end":205.265,"sentiment":"neutral","sentiment_score":0.07977627962827682},{"text":"Fantastic.","start":212.125,"end":212.625,"sentiment":"positive","sentiment_score":0.4965673089027405},{"text":"So that one there is giving you an update on your super balance.","start":212.925,"end":215.645,"sentiment":"neutral","sentiment_score":0.27302086068532216},{"text":"So when I have a look back at your annual review last year, your super balance back then, we had a $156,084.50 there.","start":215.645,"end":224.69,"sentiment":"neutral","sentiment_score":0.16057648185802542},{"text":"So looking forward, we're up to a 189,521 and 5¢ there.","start":224.91,"end":230.34999,"sentiment":"positive","sentiment_score":0.3366432681679726}],"sentiment":"neutral","sentiment_score":0.22989964941801616,"num_words":50,"start":204.445,"end":230.34999},{"sentences":[{"text":"So we have seen a good increase in your super balance.","start":230.34999,"end":232.93,"sentiment":"positive","sentiment_score":0.668400910767642},{"text":"Yeah.","start":235.255,"end":235.755,"sentiment":"positive","sentiment_score":0.33518147468566895},{"text":"Well, we have a bit of a look at how everything has performed investment wise.","start":235.815,"end":239.655,"sentiment":"neutral","sentiment_score":0.16659057239691416},{"text":"And if you wanted to, if you're able to if you go back to the email, we've also got the Netwealth Asset Performance Report attached there if you wanted to open that one up as well.","start":239.655,"end":249.12,"sentiment":"neutral","sentiment_score":0.06822269078758028},{"text":"That's okay.","start":250.31999,"end":250.95999,"sentiment":"neutral","sentiment_score":0.10180925205349922}],"sentiment":"neutral","sentiment_score":0.1976320838698974,"num_words":65,"start":230.34999,"end":250.95999},{"sentences":[{"text":"You're fine.","start":250.95999,"end":251.78,"sentiment":"neutral","sentiment_score":0.09634188190102577},{"text":"Yeah.","start":252.56,"end":253.06,"sentiment":"neutral","sentiment_score":0.07678662240505219},{"text":"Yep.","start":262.4,"end":262.9,"sentiment":"neutral","sentiment_score":0.2233514040708542},{"text":"Beautiful.","start":264.055,"end":264.375,"sentiment":"positive","sentiment_score":0.5052185654640198},{"text":"So that one there is giving you an update on all the investments in within your super fund there.","start":264.375,"end":269.01498,"sentiment":"neutral","sentiment_score":0.18716563402037872}],"sentiment":"neutral","sentiment_score":0.1897578084220489,"num_words":24,"start":250.95999,"end":269.01498},{"sentences":[{"text":"So within net worth, I'll be everything generally has been working quite well.","start":269.01498,"end":273.275,"sentiment":"neutral","sentiment_score":0.28246086033490986},{"text":"One of the things I did sort of notice, and I'm not sure if you remember receiving this or not, but around about March this year, we sent through an email with an updated record of advice just to and note some changes that we were making to your portfolio.","start":273.57498,"end":287.12,"sentiment":"neutral","sentiment_score":0.022490272261202336},{"text":"Do you remember receiving that email there at all?","start":287.34,"end":290.08,"sentiment":"neutral","sentiment_score":0.003959509026673105},{"text":"That's okay.","start":293.115,"end":294.735,"sentiment":"neutral","sentiment_score":-0.010624967515468597},{"text":"Essentially no.","start":295.035,"end":297.515,"sentiment":"neutral","sentiment_score":-0.011568703688681126}],"sentiment":"neutral","sentiment_score":0.06299675047691715,"num_words":76,"start":269.01498,"end":297.515},{"sentences":[{"text":"That's okay.","start":297.515,"end":298.155,"sentiment":"neutral","sentiment_score":0.0804685652256012},{"text":"More than happy to send it through to you again.","start":298.155,"end":300.335,"sentiment":"neutral","sentiment_score":0.3128766730427742},{"text":"Essentially, with that email there, we had sort of noticed that this year that one of your underlying investments wasn't performing as well as we sort of would like.","start":300.715,"end":308.475,"sentiment":"neutral","sentiment_score":-0.13201535917047796},{"text":"So, originally, within your portfolio, you had an investment called Ben along Australian Equities.","start":308.475,"end":313.67,"sentiment":"neutral","sentiment_score":-0.014270759270792561},{"text":"That investment, to give you a bit of a breakdown, is a managed fund.","start":314.37,"end":317.81,"sentiment":"neutral","sentiment_score":-0.003149992786347866}],"sentiment":"neutral","sentiment_score":-0.01134249396905627,"num_words":69,"start":297.515,"end":317.81},{"sentences":[{"text":"It's an actively managed fund.","start":317.81,"end":319.33002,"sentiment":"neutral","sentiment_score":0.024802546575665475},{"text":"So the investment manager is meant to be trying to outperform against the market, but they haven't been able to do so.","start":319.33002,"end":325.13498,"sentiment":"neutral","sentiment_score":-0.059911185706203636},{"text":"And some of their underlying investments have had a few issues.","start":325.13498,"end":328.115,"sentiment":"neutral","sentiment_score":-0.16210363737561487},{"text":"So we decided we didn't want you in anything underperforming.","start":328.175,"end":331.155,"sentiment":"neutral","sentiment_score":-0.18605961427092552},{"text":"So we sold that investment and moved you out of it, and we've put you into the beta shares a 200.","start":331.455,"end":338.17,"sentiment":"neutral","sentiment_score":0.06082323796692349}],"sentiment":"neutral","sentiment_score":-0.05160118129266345,"num_words":69,"start":317.81,"end":338.17},{"sentences":[{"text":"So if you look at your on that performance report, you should see cash, then alternative investments, which shows physical gold, and underneath that, you'll have the Australian equities investments.","start":338.17,"end":349.07,"sentiment":"neutral","sentiment_score":0.06568593059976896},{"text":"Yeah.","start":351.045,"end":351.445,"sentiment":"neutral","sentiment_score":0.08895845711231232},{"text":"The banner long shows that we had sold that out completely, and we moved you into the a 200, which is the beta shares a 200.","start":351.445,"end":358.905,"sentiment":"neutral","sentiment_score":0.12952977705460328},{"text":"One of the main reasons for moving you into that investment was for greater diversification.","start":359.52502,"end":364.91998,"sentiment":"neutral","sentiment_score":0.1871242751677831},{"text":"So within the Bennelong managed fund there, they actually only hold generally between 15 to 25 different investment options, whereas the a 200 is giving you exposure to the top 200 companies on the ASX.","start":365.46,"end":377.665,"sentiment":"neutral","sentiment_score":0.06382443644106388}],"sentiment":"neutral","sentiment_score":0.09783205590167335,"num_words":107,"start":338.17,"end":377.665},{"sentences":[{"text":"So it is helping to provide greater diversification, which is good, but it has also performed greater.","start":377.725,"end":384.54498,"sentiment":"positive","sentiment_score":0.45204587543711944},{"text":"It's also more of a passively managed fund as well.","start":385.005,"end":387.49,"sentiment":"neutral","sentiment_score":0.28034882098436353},{"text":"So instead of having an active manager, it's trying to outperform against the market and time the market.","start":387.49,"end":392.63,"sentiment":"neutral","sentiment_score":0.28154321511586505},{"text":"The beta shares a 200 is more passively managed with tracking an in an index, the top 200 companies on the ASX and the industries that goes along with that.","start":393.17,"end":402.495,"sentiment":"positive","sentiment_score":0.37070169697205224},{"text":"So it's helping to lower your overall risk of the of the portfolio as well.","start":402.495,"end":407.075,"sentiment":"positive","sentiment_score":0.45858705043792725}],"sentiment":"positive","sentiment_score":0.3728433625565635,"num_words":90,"start":377.725,"end":407.075},{"sentences":[{"text":"And so far, it has definitely performed really well and nicely.","start":407.29498,"end":410.835,"sentiment":"positive","sentiment_score":0.6823442578315735},{"text":"When we sort of look at how that plus everything else has gone over the past sort of twelve months there, your portfolio, if you look at the second page of that, on the very bottom line, it shows you're up by 8.36% net of fees, so after fees for the year.","start":411.615,"end":428.405,"sentiment":"neutral","sentiment_score":0.24651158343140894},{"text":"Yeah.","start":429.025,"end":429.525,"sentiment":"neutral","sentiment_score":0.20052549242973328},{"text":"That is a good return.","start":429.98502,"end":431.285,"sentiment":"positive","sentiment_score":0.42801785469055176},{"text":"Yeah.","start":431.745,"end":432.225,"sentiment":"neutral","sentiment_score":0.2789098024368286}],"sentiment":"neutral","sentiment_score":0.3277701963271413,"num_words":70,"start":407.29498,"end":432.225},{"sentences":[{"text":"And, look, with the portfolio, you're you're in more of that high growth environment there.","start":432.225,"end":436.86502,"sentiment":"neutral","sentiment_score":0.2503391792376836},{"text":"So that's where you're sort of seeing 90% of your super invested in those higher risk investments.","start":436.86502,"end":442.565,"sentiment":"positive","sentiment_score":0.33512620627880096},{"text":"Think about things like Australian and international shares, listed property and commodities there.","start":442.70502,"end":448.28998,"sentiment":"neutral","sentiment_score":0.12620903809483236},{"text":"So you are taking on a little bit more risk in the market to obtain greater potential returns in this high growth environment and sort of hoping you're tracking to try and achieve about eight to 10% on a yearly basis as an average and compounding that forward.","start":448.28998,"end":462.775,"sentiment":"neutral","sentiment_score":0.22604641846070686},{"text":"So in a high growth environment, anything over, say, 10% means your portfolio is overperforming and doing extremely well.","start":462.775,"end":471.115,"sentiment":"neutral","sentiment_score":0.20360192813371358}],"sentiment":"neutral","sentiment_score":0.23046085188564444,"num_words":112,"start":432.225,"end":471.115},{"sentences":[{"text":"Anything under that 8% is essentially an underperformance there.","start":471.335,"end":475.25,"sentiment":"neutral","sentiment_score":-0.2963658819595973},{"text":"So the fact that you've received that 8.36 as a net return, it's within that range that we're sort of hoping for.","start":475.25,"end":481.99,"sentiment":"neutral","sentiment_score":0.19395024600354108},{"text":"And this year, you've probably seen on the news a lot of ups and downs with everything that's been happening with The US.","start":482.13,"end":488.47,"sentiment":"neutral","sentiment_score":-0.15480570495128632},{"text":"So you yeah.","start":489.435,"end":491.035,"sentiment":"neutral","sentiment_score":0.11670708159605662},{"text":"So your portfolio has still worked nicely.","start":491.035,"end":493.355,"sentiment":"positive","sentiment_score":0.49963140061923433}],"sentiment":"neutral","sentiment_score":0.029478473588824272,"num_words":64,"start":471.335,"end":493.355},{"sentences":[{"text":"We've come out with an average return for the year.","start":493.355,"end":495.935,"sentiment":"positive","sentiment_score":0.5619759500026703},{"text":"And at a time where we saw a lot of volatility as well, so the ups and downs this year had seen quite drastic changes in the market in short period of time.","start":496.155,"end":504.59,"sentiment":"neutral","sentiment_score":-0.19246317672007013},{"text":"It's it always sort of when you're looking at the news, does come across and seem a lot worse than it is.","start":505.44998,"end":510.16998,"sentiment":"neutral","sentiment_score":-0.29413737830790604},{"text":"Generally, at the worst, we saw about a 3% drop there.","start":510.16998,"end":513.29,"sentiment":"negative","sentiment_score":-0.3576702990315177},{"text":"But when you're in that sort of high growth environment, you feel those drops.","start":513.29,"end":517.07,"sentiment":"neutral","sentiment_score":-0.27584788841860636}],"sentiment":"neutral","sentiment_score":-0.16665323757463033,"num_words":90,"start":493.355,"end":517.07},{"sentences":[{"text":"Yeah.","start":519.095,"end":519.595,"sentiment":"neutral","sentiment_score":0.02383291721343994},{"text":"Yeah.","start":521.735,"end":522.235,"sentiment":"neutral","sentiment_score":0.01081165112555027},{"text":"Yeah.","start":524.615,"end":524.935,"sentiment":"neutral","sentiment_score":0.03866453468799591},{"text":"So that's the index chart, and that essentially shows you how different investments have reacted over time and why we invest the way we do.","start":524.935,"end":532.21497,"sentiment":"neutral","sentiment_score":0.1547684496641159},{"text":"So looking at that chart there, if you think about the top investment, which is international equities, if you had to put, you know, 10,000 into that investment solely back there in 1995 and let it sit over the course of the last thirty years, it does show you a greater overall return.","start":532.21497,"end":551.275,"sentiment":"neutral","sentiment_score":0.1637210466389386}],"sentiment":"neutral","sentiment_score":0.15579920761103247,"num_words":81,"start":519.095,"end":551.275},{"sentences":[{"text":"It's compounded a bit over 10% there and $1,010,000 to $214,000.","start":551.275,"end":557.215,"sentiment":"neutral","sentiment_score":-0.04874000351198695},{"text":"But you can sort of see the ups and downs that you would have had to go through in that time frame, and you could imagine sitting through that over the course of thirty years.","start":557.80005,"end":565.08,"sentiment":"neutral","sentiment_score":-0.19852502388613566},{"text":"It could be an emotional roller coaster.","start":565.08,"end":567.10004,"sentiment":"negative","sentiment_score":-0.37448263594082426},{"text":"So yeah.","start":567.32,"end":569.58,"sentiment":"neutral","sentiment_score":0.046823300421237946},{"text":"Yeah.","start":569.64,"end":570.04004,"sentiment":"neutral","sentiment_score":0.08527590334415436}],"sentiment":"neutral","sentiment_score":-0.17726735396510257,"num_words":56,"start":551.275,"end":570.04004},{"sentences":[{"text":"So it's about making sure you're comfortable with the risk level you're taking to obtain the rewards that you're after as well.","start":570.04004,"end":576.32495,"sentiment":"neutral","sentiment_score":0.1871225441044027},{"text":"And as you get closer and closer to as you get closer to accessing sleeper, we'll definitely start to wind back your risk level a bit.","start":576.38495,"end":585.02496,"sentiment":"neutral","sentiment_score":-0.0395430508427895},{"text":"We'll probably just drop it back in 10% increments as we get closer and closer.","start":585.02496,"end":589.19,"sentiment":"neutral","sentiment_score":-0.014412230998277663},{"text":"That way, you're stepping down gradually.","start":589.19,"end":591.05,"sentiment":"neutral","sentiment_score":-0.018949991920332348},{"text":"So when you get to those retirement years and start actually drawing an income out, that, you know, you've got you've got a lower risk.","start":591.50995,"end":599.19,"sentiment":"neutral","sentiment_score":0.1148168033361435}],"sentiment":"neutral","sentiment_score":0.0598841842052315,"num_words":94,"start":570.04004,"end":599.19},{"sentences":[{"text":"You've got a bit more income producing within your portfolio, that you're not not seeing those ups and downs as drastically.","start":599.19,"end":606.255,"sentiment":"neutral","sentiment_score":-0.016816271912483943},{"text":"Does that make sense?","start":606.47504,"end":607.61505,"sentiment":"neutral","sentiment_score":-0.09158311784267426},{"text":"Yeah.","start":609.59503,"end":610.09503,"sentiment":"neutral","sentiment_score":0.04598788172006607},{"text":"Yeah.","start":610.155,"end":610.55505,"sentiment":"neutral","sentiment_score":0.08240941166877747},{"text":"So, look, honestly, I'm very happy with how things have gone with your portfolio and your super fund at the moment.","start":610.55505,"end":615.695,"sentiment":"positive","sentiment_score":0.37115009625752765}],"sentiment":"neutral","sentiment_score":0.15006406527633467,"num_words":48,"start":599.19,"end":615.695},{"sentences":[{"text":"I would be probably not wanting to update things because we have just made the changes within your portfolio currently.","start":616.49,"end":622.51,"sentiment":"neutral","sentiment_score":-0.2294664803892374},{"text":"It'd be worth just giving it maybe another six months and sort of sitting on things to see how it performs over the next six months and then maybe look at adjustments down the track.","start":622.81,"end":632.165,"sentiment":"neutral","sentiment_score":-0.1600733226963452},{"text":"That is in unison with your risk level.","start":632.46497,"end":634.945,"sentiment":"neutral","sentiment_score":-0.31868211552500725},{"text":"So if the only sort of reason I would wanna maybe look at making changes now is if you are finding that you wanna kinda pull back the risk level a little bit.","start":634.945,"end":643.925,"sentiment":"neutral","sentiment_score":-0.1552180564313224},{"text":"And in looking at that, I sort of also wanted to check about your retirement goals and because having a look now, you're 56 next month.","start":644.51996,"end":652.83997,"sentiment":"neutral","sentiment_score":0.052736938859407716}],"sentiment":"neutral","sentiment_score":-0.13518351047742563,"num_words":122,"start":616.49,"end":652.83997},{"sentences":[{"text":"Is that right?","start":652.83997,"end":653.74,"sentiment":"neutral","sentiment_score":0.08145939807097118},{"text":"Yeah.","start":658.68,"end":659.085,"sentiment":"neutral","sentiment_score":0.08867350220680237},{"text":"So when are you sort of hoping to be able to start accessing your super down the track and maybe retire?","start":659.325,"end":665.16504,"sentiment":"neutral","sentiment_score":0.11980672872492246},{"text":"What's your goal like that?","start":665.16504,"end":666.945,"sentiment":"neutral","sentiment_score":0.05798808559775352},{"text":"When you're 60?","start":669.245,"end":670.145,"sentiment":"neutral","sentiment_score":0.0035100189658502736}],"sentiment":"neutral","sentiment_score":0.09543828740998199,"num_words":33,"start":652.83997,"end":670.145},{"sentences":[{"text":"Yep.","start":670.445,"end":670.945,"sentiment":"neutral","sentiment_score":0.047532983124256134},{"text":"It is.","start":674.74,"end":675.46,"sentiment":"neutral","sentiment_score":0.018136758357286453},{"text":"Yeah.","start":675.46,"end":675.78,"sentiment":"neutral","sentiment_score":0.16505107283592224},{"text":"Definitely.","start":675.78,"end":676.28,"sentiment":"neutral","sentiment_score":0.2984544634819031},{"text":"So the other thing to sort of think about is the high growth portfolio because you are taking a bit more risk in the market.","start":676.58,"end":682.58,"sentiment":"neutral","sentiment_score":-0.005928541719913483}],"sentiment":"neutral","sentiment_score":0.01330328310529391,"num_words":30,"start":670.445,"end":682.58},{"sentences":[{"text":"And when you look at that Vanguard index chart there, essentially, 90% in those high growth investments means you're 90% invested in US shares, Australian shares, international shares, and listed properties.","start":682.58,"end":694.215,"sentiment":"neutral","sentiment_score":0.02571549915498303},{"text":"So you are taking a bit more risk, and we'll go through those sorts of ups and downs.","start":694.275,"end":698.85504,"sentiment":"neutral","sentiment_score":-0.12460753942529361},{"text":"A high growth portfolio normally suits someone who has at least eight years before they're planning to access their money.","start":699.66,"end":706.48,"sentiment":"neutral","sentiment_score":-0.022591288015246392},{"text":"So if you are maybe wanting to access your super, I would be more inclined in the next five years, I'd be inclined to maybe start drawing back that risk level a little bit for you now and starting to reduce it back a little bit.","start":706.7,"end":720.055,"sentiment":"neutral","sentiment_score":-0.18631513797394608},{"text":"Yeah.","start":721.795,"end":722.19495,"sentiment":"neutral","sentiment_score":-0.057618409395217896}],"sentiment":"neutral","sentiment_score":-0.09073875648579721,"num_words":116,"start":682.58,"end":722.19495},{"sentences":[{"text":"How do you sort of feel about that knowing that you're about five years away from wanting to access those funds?","start":722.19495,"end":727.57996,"sentiment":"neutral","sentiment_score":-0.08732113171191443},{"text":"Yep.","start":740.12,"end":740.44,"sentiment":"neutral","sentiment_score":0.31065988540649414},{"text":"Yep.","start":740.44,"end":740.75995,"sentiment":"neutral","sentiment_score":0.3241906762123108},{"text":"All good.","start":740.75995,"end":741.24,"sentiment":"positive","sentiment_score":0.5593021363019943},{"text":"So you would be comfortable with me maybe dropping back your risk cover a little bit and starting to pull you back a bit now?","start":741.24,"end":747.585,"sentiment":"neutral","sentiment_score":0.08153817594051362}],"sentiment":"neutral","sentiment_score":0.03916330933570862,"num_words":50,"start":722.19495,"end":747.585},{"sentences":[{"text":"Yeah.","start":755.085,"end":755.34,"sentiment":"neutral","sentiment_score":-0.03562988340854645},{"text":"Another six months?","start":757.82,"end":759.04004,"sentiment":"neutral","sentiment_score":-0.03140467839936415},{"text":"Yep.","start":759.18005,"end":759.5,"sentiment":"neutral","sentiment_score":0.0560392290353775},{"text":"Yep.","start":759.5,"end":759.82,"sentiment":"neutral","sentiment_score":0.10119129717350006},{"text":"That's absolutely fine.","start":759.82,"end":761.10004,"sentiment":"neutral","sentiment_score":0.3235614796479543}],"sentiment":"neutral","sentiment_score":0.11089678294956684,"num_words":9,"start":755.085,"end":761.10004},{"sentences":[{"text":"Yep.","start":761.10004,"end":761.5,"sentiment":"neutral","sentiment_score":0.165098175406456},{"text":"Not a problem.","start":761.5,"end":762.14,"sentiment":"neutral","sentiment_score":0.16026751200358072},{"text":"So another six months, and then we'll reevaluate the risk level for you.","start":762.14,"end":766.08,"sentiment":"neutral","sentiment_score":-0.013521887648564119},{"text":"If in the meantime that's okay.","start":766.54004,"end":768.7,"sentiment":"neutral","sentiment_score":0.06108769029378891},{"text":"If in the meantime, we see anything that kind of flags that we may need to maybe drop your risk level a little bit more, then I'll absolutely make sure I contact you to do so.","start":768.7,"end":779.005,"sentiment":"neutral","sentiment_score":0.020355341335137684}],"sentiment":"neutral","sentiment_score":0.026600586471416183,"num_words":59,"start":761.10004,"end":779.005},{"sentences":[{"text":"If, say, the other thing to sort of think about is if were to, say, find the market took a big sort of dip, we saw a 20% drop over the next, say, one to two or three years, and it took a little bit longer for your portfolio to recover, would you be open to working longer than sixty, or would you still wanna retire at 60 knowing you're probably cementing some of those downtimes?","start":779.945,"end":802.895,"sentiment":"neutral","sentiment_score":-0.1432839911921244},{"text":"How do you feel about that?","start":803.03503,"end":804.495,"sentiment":"neutral","sentiment_score":-0.14536541203657785},{"text":"Yep.","start":817.37,"end":817.87,"sentiment":"neutral","sentiment_score":-0.016691751778125763},{"text":"Okay.","start":818.08997,"end":818.58997,"sentiment":"neutral","sentiment_score":-0.027323536574840546},{"text":"Yeah.","start":822.41,"end":822.64996,"sentiment":"neutral","sentiment_score":0.06147744506597519}],"sentiment":"neutral","sentiment_score":-0.13816839583656368,"num_words":85,"start":779.945,"end":822.64996},{"sentences":[{"text":"Yeah.","start":822.64996,"end":822.97,"sentiment":"neutral","sentiment_score":0.19540172815322876},{"text":"Perfect.","start":822.97,"end":823.47,"sentiment":"positive","sentiment_score":0.5175321698188782},{"text":"So you would be comfortable to keep working longer to allow your portfolio time to recover in that instance.","start":823.565,"end":828.785,"sentiment":"neutral","sentiment_score":0.3116463485517},{"text":"Yep.","start":829.725,"end":830.225,"sentiment":"neutral","sentiment_score":0.16177278757095337},{"text":"Beautiful.","start":830.605,"end":831.105,"sentiment":"positive","sentiment_score":0.7488183975219727}],"sentiment":"neutral","sentiment_score":0.328035030675971,"num_words":23,"start":822.64996,"end":831.105},{"sentences":[{"text":"Fantastic.","start":831.725,"end":832.225,"sentiment":"positive","sentiment_score":0.7168731689453125},{"text":"The other thing I just wanted to sort of have a look at with your risk profiling questionnaire is just how you sort of see yourself when you think about risk levels.","start":833.325,"end":841.73004,"sentiment":"neutral","sentiment_score":0.09589637233875692},{"text":"So when you think about risk between a number between one and five, five being the highest level of risk, all invested in equities, or one being the lowest, all sitting in cash.","start":841.73004,"end":850.95,"sentiment":"neutral","sentiment_score":0.017300646441678207},{"text":"Where would you sort of fit yourself?","start":851.305,"end":852.825,"sentiment":"neutral","sentiment_score":0.0037308846201215473},{"text":"Do you think yourself more in the middle about a three or a four?","start":852.825,"end":859.305,"sentiment":"neutral","sentiment_score":-0.012908222952059336}],"sentiment":"neutral","sentiment_score":0.0482974653721027,"num_words":87,"start":831.725,"end":859.305},{"sentences":[{"text":"Yep.","start":859.305,"end":859.705,"sentiment":"neutral","sentiment_score":0.09722750633955002},{"text":"Beautiful.","start":859.705,"end":860.205,"sentiment":"positive","sentiment_score":0.3943558931350708},{"text":"That's okay.","start":862.185,"end":863.005,"sentiment":"neutral","sentiment_score":0.32197314500808716},{"text":"So a little bit low risk.","start":863.385,"end":865.0,"sentiment":"neutral","sentiment_score":0.1883230780561765},{"text":"Yep.","start":865.14,"end":865.46,"sentiment":"neutral","sentiment_score":0.09770876169204712}],"sentiment":"neutral","sentiment_score":0.21483426541090012,"num_words":11,"start":859.305,"end":865.46},{"sentences":[{"text":"Yep.","start":865.46,"end":865.86,"sentiment":"neutral","sentiment_score":0.10161074250936508},{"text":"So not the lowest, but probably on that lower risk sort of scale.","start":865.86,"end":869.64,"sentiment":"neutral","sentiment_score":0.09484510696851291},{"text":"Yep.","start":869.86,"end":870.36,"sentiment":"neutral","sentiment_score":0.06004523485898971},{"text":"Yep.","start":871.14,"end":871.62,"sentiment":"neutral","sentiment_score":0.0983361303806305},{"text":"Absolutely.","start":871.62,"end":872.12,"sentiment":"neutral","sentiment_score":0.1533234417438507}],"sentiment":"neutral","sentiment_score":0.09684129059314728,"num_words":17,"start":865.46,"end":872.12},{"sentences":[{"text":"And have you ever owned shares or investments in your own name before?","start":872.42,"end":876.28,"sentiment":"neutral","sentiment_score":0.05181034425130257},{"text":"Nope.","start":878.18,"end":878.66003,"sentiment":"neutral","sentiment_score":-0.06601148843765259},{"text":"That's okay.","start":878.66003,"end":879.345,"sentiment":"neutral","sentiment_score":0.09965875372290611},{"text":"All good.","start":879.665,"end":880.32495,"sentiment":"positive","sentiment_score":0.3524703085422516},{"text":"And if the market did take a or if you saw your super balance fall over, say, the next six months or the next twelve months, how do you think you might be feeling?","start":881.82495,"end":889.745,"sentiment":"neutral","sentiment_score":0.0049436841817463145}],"sentiment":"neutral","sentiment_score":0.032305122568057135,"num_words":52,"start":872.42,"end":889.745},{"sentences":[{"text":"Are you feeling a bit optimistic about the investment opportunities available to you?","start":889.745,"end":894.08496,"sentiment":"neutral","sentiment_score":0.10458462599378365},{"text":"Are you a bit cautious about the drop concerned or feeling a bit anxious?","start":894.42,"end":898.12,"sentiment":"neutral","sentiment_score":-0.22443508782557078},{"text":"Yep.","start":916.835,"end":917.335,"sentiment":"neutral","sentiment_score":-0.00011143585288664326},{"text":"Yep.","start":917.395,"end":917.895,"sentiment":"neutral","sentiment_score":-0.0016477431636303663},{"text":"No.","start":918.275,"end":918.515,"sentiment":"neutral","sentiment_score":-0.17547404766082764}],"sentiment":"neutral","sentiment_score":-0.06532414394387161,"num_words":30,"start":889.745,"end":918.515},{"sentences":[{"text":"That's okay.","start":918.515,"end":921.22003,"sentiment":"neutral","sentiment_score":-0.16048910841345787},{"text":"Yeah.","start":921.22003,"end":921.54004,"sentiment":"neutral","sentiment_score":0.03811494633555412},{"text":"That's okay.","start":921.54004,"end":922.34,"sentiment":"neutral","sentiment_score":0.15130014717578888},{"text":"All good.","start":922.34,"end":923.08,"sentiment":"positive","sentiment_score":0.39646579325199127},{"text":"And how the last question I wanted to sort of ask is how much risk are you comfortable taking in order to obtain greater potential returns?","start":923.7,"end":931.96,"sentiment":"neutral","sentiment_score":-0.010850997498402229}],"sentiment":"neutral","sentiment_score":0.01607705076987093,"num_words":33,"start":918.515,"end":931.96},{"sentences":[{"text":"Do you think you're comfortable taking on a higher level of risk to get the greater returns knowing that you could feel the downtime much greater?","start":932.02,"end":938.845,"sentiment":"neutral","sentiment_score":-0.06975182532691039},{"text":"Are you probably in the middle there?","start":939.305,"end":941.225,"sentiment":"neutral","sentiment_score":-0.02382708660193852},{"text":"Or Yeah.","start":941.225,"end":942.02496,"sentiment":"neutral","sentiment_score":-0.022488895803689957},{"text":"Sorry.","start":942.02496,"end":942.52496,"sentiment":"neutral","sentiment_score":-0.03143404796719551},{"text":"Yep.","start":943.14496,"end":943.625,"sentiment":"neutral","sentiment_score":0.015926938503980637}],"sentiment":"neutral","sentiment_score":-0.05515735042659012,"num_words":37,"start":932.02,"end":943.625},{"sentences":[{"text":"Yep.","start":943.625,"end":944.105,"sentiment":"neutral","sentiment_score":0.007649385370314121},{"text":"Yep.","start":944.105,"end":944.605,"sentiment":"neutral","sentiment_score":0.01669105887413025},{"text":"Yeah.","start":952.14,"end":952.64,"sentiment":"neutral","sentiment_score":-0.013983958400785925},{"text":"Yep.","start":953.82,"end":954.32,"sentiment":"neutral","sentiment_score":0.04133365675806999},{"text":"Yep.","start":954.38,"end":954.86005,"sentiment":"neutral","sentiment_score":0.07607288658618927}],"sentiment":"neutral","sentiment_score":0.025552605837583543,"num_words":5,"start":943.625,"end":954.86005},{"sentences":[{"text":"Absolutely.","start":954.86005,"end":955.36005,"sentiment":"neutral","sentiment_score":0.18145504593849185},{"text":"Not a problem.","start":956.06,"end":956.96,"sentiment":"neutral","sentiment_score":0.20990134278933206},{"text":"All good.","start":957.18,"end":957.92004,"sentiment":"neutral","sentiment_score":0.2921454757452011},{"text":"Sales Absolutely.","start":958.14,"end":960.56,"sentiment":"neutral","sentiment_score":0.13260801509022713},{"text":"Now having a look at that one there, you have scored as more of a growth investor.","start":961.225,"end":965.325,"sentiment":"neutral","sentiment_score":0.22804660919834585}],"sentiment":"neutral","sentiment_score":0.22149833649396897,"num_words":25,"start":954.86005,"end":965.325},{"sentences":[{"text":"So you've kind of made mention to me that you are happy to stay in that high growth environment just for a little bit longer.","start":965.465,"end":971.225,"sentiment":"neutral","sentiment_score":0.31635686159133913},{"text":"I'm comfortable leaving you there for another six months.","start":971.225,"end":973.705,"sentiment":"neutral","sentiment_score":0.14733913292487463},{"text":"We'll come back and review things.","start":973.705,"end":975.5,"sentiment":"neutral","sentiment_score":0.06495819489161174},{"text":"Just knowing that whilst you do have that five year time horizon that you are comfortable working longer if you need to.","start":975.72003,"end":981.74005,"sentiment":"neutral","sentiment_score":0.05867011811245571},{"text":"And then we'll come back in six months' time.","start":982.36005,"end":985.24005,"sentiment":"neutral","sentiment_score":0.0481057899693648}],"sentiment":"neutral","sentiment_score":0.15983686779796238,"num_words":71,"start":965.465,"end":985.24005},{"sentences":[{"text":"If I need to speak to you earlier, I'll make sure I do.","start":985.24005,"end":988.125,"sentiment":"neutral","sentiment_score":0.036045086498443894},{"text":"But, otherwise, February will do a bit of a catch up, and we'll talk seriously about reducing your risk level and what that looks like moving forward for your portfolio and and for your retirement aspect.","start":988.185,"end":997.865,"sentiment":"neutral","sentiment_score":0.07742053001291221},{"text":"Does that sound okay?","start":997.865,"end":999.08496,"sentiment":"neutral","sentiment_score":0.15069814585149288},{"text":"Yep.","start":1000.58496,"end":1001.08496,"sentiment":"neutral","sentiment_score":0.1632423847913742},{"text":"Fantastic.","start":1001.625,"end":1002.125,"sentiment":"positive","sentiment_score":0.6456201076507568}],"sentiment":"neutral","sentiment_score":0.0848614596507766,"num_words":55,"start":985.24005,"end":1002.125},{"sentences":[{"text":"Excellent.","start":1002.58496,"end":1003.08496,"sentiment":"positive","sentiment_score":0.6139024496078491},{"text":"Now the other thing to sorta have a chat about is the insurances.","start":1004.32,"end":1007.3,"sentiment":"neutral","sentiment_score":0.08799437118264344},{"text":"So on that last document that you did have open, that was your insurance and super summary.","start":1007.84,"end":1013.7,"sentiment":"neutral","sentiment_score":0.056243575232870435},{"text":"It ran through the updated insurances that you do have within your, BT life insurance policy.","start":1014.08,"end":1020.28503,"sentiment":"neutral","sentiment_score":0.0649896499235183},{"text":"To give you a bit of an idea with your life cover, so it pays out a lump sum benefit if you were to pass away, you're currently insured for about $86,906.","start":1021.625,"end":1032.2,"sentiment":"neutral","sentiment_score":0.12516090797726065}],"sentiment":"neutral","sentiment_score":0.09821460136695753,"num_words":79,"start":1002.58496,"end":1032.2},{"sentences":[{"text":"So if you think about that level of cover, if you were to pass away today, I do not want it to happen, but if you were for hypothetical purposes to pass away today, your beneficiary could then receive your life insurance of the $80,189,521.","start":1032.2,"end":1049.1208,"sentiment":"neutral","sentiment_score":0.01634634079204665},{"text":"So it means the total life cover paid to your beneficiary could be around about 276,426.","start":1049.1208,"end":1060.29,"sentiment":"neutral","sentiment_score":0.08523522899486125},{"text":"Is that kind of how did you want that to be sort of paid out to you?","start":1060.6901,"end":1064.8501,"sentiment":"neutral","sentiment_score":0.016819312291986802},{"text":"Who's your beneficiary?","start":1064.8501,"end":1065.8301,"sentiment":"neutral","sentiment_score":-0.005854377833505471},{"text":"How would you like that to be received?","start":1066.05,"end":1067.89,"sentiment":"neutral","sentiment_score":0.0032051170710474253}],"sentiment":"neutral","sentiment_score":0.026891630467320425,"num_words":89,"start":1032.2,"end":1067.89},{"sentences":[{"text":"And the two sons?","start":1067.89,"end":1069.5701,"sentiment":"neutral","sentiment_score":0.0011888265144079924},{"text":"Yep.","start":1069.5701,"end":1069.9701,"sentiment":"neutral","sentiment_score":0.08136806637048721},{"text":"Beautiful.","start":1069.9701,"end":1070.4701,"sentiment":"positive","sentiment_score":0.3550761938095093},{"text":"I've got them noted down here for you as sorry.","start":1071.81,"end":1076.585,"sentiment":"neutral","sentiment_score":0.08490976467728614},{"text":"Is it Donnie and Sam?","start":1076.8049,"end":1078.325,"sentiment":"neutral","sentiment_score":0.013790091872215271}],"sentiment":"neutral","sentiment_score":0.06472607963674125,"num_words":21,"start":1067.89,"end":1078.325},{"sentences":[{"text":"Is that right?","start":1078.325,"end":1079.145,"sentiment":"neutral","sentiment_score":0.054880196849505104},{"text":"Yep.","start":1080.565,"end":1080.965,"sentiment":"neutral","sentiment_score":0.1529790759086609},{"text":"Beautiful.","start":1080.965,"end":1081.465,"sentiment":"positive","sentiment_score":0.369590163230896},{"text":"For 50% each to receive the the insurance benefit.","start":1081.525,"end":1085.7849,"sentiment":"neutral","sentiment_score":0.11028232135706478},{"text":"Yep.","start":1086.005,"end":1086.245,"sentiment":"neutral","sentiment_score":0.1043502539396286}],"sentiment":"neutral","sentiment_score":0.11894006505608559,"num_words":15,"start":1078.325,"end":1086.245},{"sentences":[{"text":"Yep.","start":1086.245,"end":1086.645,"sentiment":"neutral","sentiment_score":0.16152918338775635},{"text":"Beautiful.","start":1086.645,"end":1087.145,"sentiment":"positive","sentiment_score":0.38831424713134766},{"text":"On your super, I have your super beneficiary noted down to be Donny has to receive 50%, Mary has to receive 25%, and Sam has to receive 25%.","start":1088.245,"end":1100.38,"sentiment":"neutral","sentiment_score":0.11849620033587728},{"text":"Is that how you Oh, I'm so sorry.","start":1100.38,"end":1108.595,"sentiment":"neutral","sentiment_score":-0.0987380612641573},{"text":"And that was Marie.","start":1108.595,"end":1109.815,"sentiment":"neutral","sentiment_score":-0.14196159318089485}],"sentiment":"neutral","sentiment_score":0.05976157564492453,"num_words":42,"start":1086.245,"end":1109.815},{"sentences":[{"text":"Yeah.","start":1110.755,"end":1111.255,"sentiment":"neutral","sentiment_score":-0.0073273666203022},{"text":"Okay.","start":1111.315,"end":1111.815,"sentiment":"neutral","sentiment_score":-0.01895317994058132},{"text":"Absolutely.","start":1113.315,"end":1113.815,"sentiment":"neutral","sentiment_score":0.18883191049098969},{"text":"So what we'll do if you're comfortable is we'll need to update that super beneficiary nominations.","start":1114.115,"end":1118.855,"sentiment":"neutral","sentiment_score":0.11879884777590632},{"text":"So are you happy with us pre filling that for you so to nominate 50% each to to Donnie and Sam?","start":1119.075,"end":1125.52,"sentiment":"neutral","sentiment_score":0.20705772120328175}],"sentiment":"neutral","sentiment_score":0.16028862684033812,"num_words":40,"start":1110.755,"end":1125.52},{"sentences":[{"text":"Yep.","start":1126.9401,"end":1127.4401,"sentiment":"neutral","sentiment_score":0.14177513122558594},{"text":"Beautiful.","start":1127.66,"end":1128.16,"sentiment":"positive","sentiment_score":0.41618379950523376},{"text":"The DBN.","start":1129.42,"end":1130.16,"sentiment":"neutral","sentiment_score":0.11299373209476471},{"text":"Yep.","start":1133.18,"end":1133.68,"sentiment":"neutral","sentiment_score":0.08419719338417053},{"text":"Oops.","start":1134.7001,"end":1135.02,"sentiment":"neutral","sentiment_score":-0.02323058992624283}],"sentiment":"neutral","sentiment_score":0.14081883306304613,"num_words":6,"start":1126.9401,"end":1135.02},{"sentences":[{"text":"Did you want us to pre fill the form as much as we can to make it easier, or are you happy just filling it out?","start":1135.02,"end":1140.395,"sentiment":"neutral","sentiment_score":0.031220959786039133},{"text":"Yeah.","start":1144.535,"end":1145.035,"sentiment":"neutral","sentiment_score":0.2442099153995514},{"text":"That's okay.","start":1145.0951,"end":1145.8151,"sentiment":"neutral","sentiment_score":0.29185862839221954},{"text":"We we're happy to prefill it out.","start":1145.8151,"end":1147.415,"sentiment":"positive","sentiment_score":0.4853019969803946},{"text":"I've got Sam and Donnie's details here so we can fill that out for you.","start":1147.415,"end":1151.52,"sentiment":"neutral","sentiment_score":0.29370066821575164}],"sentiment":"neutral","sentiment_score":0.18514306134745187,"num_words":51,"start":1135.02,"end":1151.52},{"sentences":[{"text":"You're comfortable with 50 percent paid.","start":1151.52,"end":1153.5399,"sentiment":"neutral","sentiment_score":0.23475280652443567},{"text":"That's okay.","start":1153.84,"end":1154.5599,"sentiment":"neutral","sentiment_score":0.1835070177912712},{"text":"50% paid each way.","start":1154.5599,"end":1156.08,"sentiment":"neutral","sentiment_score":0.1754305586218834},{"text":"Is that right?","start":1156.08,"end":1156.9,"sentiment":"neutral","sentiment_score":0.1513059139251709},{"text":"Beautiful.","start":1158.72,"end":1159.22,"sentiment":"positive","sentiment_score":0.49376392364501953}],"sentiment":"neutral","sentiment_score":0.2140584234148264,"num_words":16,"start":1151.52,"end":1159.22},{"sentences":[{"text":"And now the other thing to sort of confirm is with the beneficiary nominations, you have three types of nominations.","start":1159.36,"end":1164.9,"sentiment":"neutral","sentiment_score":0.08888620734214783},{"text":"The first one is nonbinding.","start":1165.735,"end":1167.115,"sentiment":"neutral","sentiment_score":0.04240237101912499},{"text":"Essentially, you're just telling the trustee this is what you want to happen, but on your passing, unfortunately, the super fund gets to make the decision as to whether they follow that or not.","start":1167.975,"end":1177.0349,"sentiment":"neutral","sentiment_score":0.0011264721260351293},{"text":"And non they have a nonlapsing sorry.","start":1177.6549,"end":1181.4299,"sentiment":"neutral","sentiment_score":0.004497981630265713},{"text":"A non they have a binding non lapsing.","start":1181.4299,"end":1184.1499,"sentiment":"neutral","sentiment_score":0.0077746445895172656}],"sentiment":"neutral","sentiment_score":0.028671879491240188,"num_words":74,"start":1159.36,"end":1184.1499},{"sentences":[{"text":"I apologize, which means you have to refill that format every three years, or we can do it non lapsing binding for you.","start":1184.1499,"end":1191.19,"sentiment":"neutral","sentiment_score":0.010598994690277006},{"text":"So we'll fill it out now, place it on file, and it will never have to be updated unless you make that unless you wanna make that change.","start":1191.19,"end":1199.065,"sentiment":"neutral","sentiment_score":0.06407561066693493},{"text":"Which option would be that sounds good?","start":1199.445,"end":1203.0449,"sentiment":"neutral","sentiment_score":0.14067637654287474},{"text":"Yeah.","start":1203.0449,"end":1203.365,"sentiment":"neutral","sentiment_score":0.22158712148666385},{"text":"Beautiful.","start":1203.365,"end":1203.865,"sentiment":"positive","sentiment_score":0.4592118263244629}],"sentiment":"neutral","sentiment_score":0.06172379266936332,"num_words":60,"start":1184.1499,"end":1203.865},{"sentences":[{"text":"Excellent.","start":1205.525,"end":1206.025,"sentiment":"positive","sentiment_score":0.4585004448890686},{"text":"I'll have that form prefilled for you and sent to you.","start":1206.74,"end":1209.54,"sentiment":"neutral","sentiment_score":0.26723193580454047},{"text":"That way, you just need to sign it.","start":1209.54,"end":1211.2201,"sentiment":"neutral","sentiment_score":0.1877942169085145},{"text":"Have two witnesses sign it as well.","start":1211.2201,"end":1213.4,"sentiment":"neutral","sentiment_score":0.09803769098860877},{"text":"The witnesses just can't be the beneficiaries.","start":1213.4601,"end":1215.7201,"sentiment":"neutral","sentiment_score":-0.030721372259514674}],"sentiment":"neutral","sentiment_score":0.15798881485619964,"num_words":34,"start":1205.525,"end":1215.7201},{"sentences":[{"text":"So Sam and Donnie can't be the witnesses of that document.","start":1215.86,"end":1218.76,"sentiment":"neutral","sentiment_score":-0.032574163072488525},{"text":"And if you've got, you know, a couple of neighbors, a relative, or someone else that can sign it with you, we'll just need you to have that witness sent back to us, and we'll have it applied and updated for you.","start":1219.215,"end":1229.775,"sentiment":"neutral","sentiment_score":0.07590036688461191},{"text":"Okay.","start":1229.775,"end":1230.275,"sentiment":"neutral","sentiment_score":0.049201346933841705},{"text":"Beautiful.","start":1231.775,"end":1232.1749,"sentiment":"neutral","sentiment_score":0.24681293964385984},{"text":"And I'm so sorry for your loss.","start":1232.1749,"end":1233.84,"sentiment":"neutral","sentiment_score":-0.16233594396284648}],"sentiment":"neutral","sentiment_score":0.0320832628095823,"num_words":62,"start":1215.86,"end":1233.84},{"sentences":[{"text":"That's alright.","start":1236.4,"end":1237.22,"sentiment":"neutral","sentiment_score":0.0681063774973154},{"text":"So when you think about that that 276 odd thousand of life cover paid out, is that are you comfortable with that amount?","start":1237.84,"end":1245.52,"sentiment":"neutral","sentiment_score":0.055455080354991165},{"text":"Did you wanna look at reviewing your life cover at all at the moment, or are you just happy with that?","start":1245.52,"end":1250.075,"sentiment":"neutral","sentiment_score":0.03157738401066689},{"text":"No.","start":1251.335,"end":1251.735,"sentiment":"neutral","sentiment_score":-0.1466732919216156},{"text":"That's okay.","start":1251.735,"end":1252.5349,"sentiment":"neutral","sentiment_score":0.07529428834095597}],"sentiment":"neutral","sentiment_score":0.04242285616619854,"num_words":49,"start":1236.4,"end":1252.5349},{"sentences":[{"text":"Beautiful.","start":1252.5349,"end":1253.0349,"sentiment":"positive","sentiment_score":0.5974761247634888},{"text":"You've also got TBD, so total permanent disability cover.","start":1253.495,"end":1257.1749,"sentiment":"neutral","sentiment_score":0.13926365060938728},{"text":"Do you know what TBD is, how that works?","start":1257.1749,"end":1259.97,"sentiment":"neutral","sentiment_score":0.045680582937267095},{"text":"Or yep.","start":1259.97,"end":1263.51,"sentiment":"neutral","sentiment_score":0.010601346846669912},{"text":"Yeah.","start":1264.77,"end":1265.01,"sentiment":"neutral","sentiment_score":0.06921468675136566}],"sentiment":"neutral","sentiment_score":0.10692689123309472,"num_words":22,"start":1252.5349,"end":1265.01},{"sentences":[{"text":"That's okay.","start":1265.01,"end":1265.91,"sentiment":"neutral","sentiment_score":0.11872495710849762},{"text":"So TBD is a total permanent disability.","start":1266.61,"end":1270.15,"sentiment":"neutral","sentiment_score":0.04135256500116417},{"text":"So it's essentially paying out either a lump sum or an income stream if you're unable to ever go back to work again.","start":1270.29,"end":1276.965,"sentiment":"neutral","sentiment_score":0.0501972889608663},{"text":"The level of cover you have with BT Life is 86,906.","start":1277.9049,"end":1283.445,"sentiment":"neutral","sentiment_score":0.0763934122567827},{"text":"So it means that in the event of claiming, that's how much you could claim on.","start":1283.825,"end":1287.7649,"sentiment":"neutral","sentiment_score":0.07330456841737032}],"sentiment":"neutral","sentiment_score":0.06262129059029838,"num_words":59,"start":1265.01,"end":1287.7649},{"sentences":[{"text":"If you are TBD, we can also try to claim against your super under the condition of release of incapacity.","start":1288.43,"end":1295.33,"sentiment":"neutral","sentiment_score":0.03299189179961104},{"text":"Are you fairly happy with that level of cover?","start":1296.27,"end":1298.43,"sentiment":"neutral","sentiment_score":0.13819469180372027},{"text":"Did you wanna look at reviewing that at all?","start":1298.43,"end":1302.415,"sentiment":"neutral","sentiment_score":0.030486853172381718},{"text":"Or yep.","start":1302.855,"end":1304.4551,"sentiment":"neutral","sentiment_score":-0.1075298935174942},{"text":"Yeah.","start":1305.635,"end":1305.9551,"sentiment":"neutral","sentiment_score":0.0001696757972240448}],"sentiment":"neutral","sentiment_score":0.04788003974486279,"num_words":41,"start":1288.43,"end":1305.9551},{"sentences":[{"text":"Yeah.","start":1305.9551,"end":1306.1951,"sentiment":"neutral","sentiment_score":0.021118666976690292},{"text":"Absolutely.","start":1306.1951,"end":1306.6951,"sentiment":"neutral","sentiment_score":0.04274226725101471},{"text":"Not a yep.","start":1307.235,"end":1308.995,"sentiment":"neutral","sentiment_score":-0.022021508465210598},{"text":"That's absolutely fine.","start":1308.995,"end":1310.1951,"sentiment":"neutral","sentiment_score":0.21450623869895935},{"text":"If you ever decide you wanna review that, let me know.","start":1310.1951,"end":1312.995,"sentiment":"neutral","sentiment_score":0.09515429491346533}],"sentiment":"neutral","sentiment_score":0.08884275626195104,"num_words":19,"start":1305.9551,"end":1312.995},{"sentences":[{"text":"Not a problem at all.","start":1312.995,"end":1314.27,"sentiment":"neutral","sentiment_score":0.059169570356607436},{"text":"Yeah.","start":1316.11,"end":1316.35,"sentiment":"neutral","sentiment_score":-0.006948815658688545},{"text":"I've also got down here.","start":1316.35,"end":1317.79,"sentiment":"neutral","sentiment_score":-0.037355152517557146},{"text":"Now you don't have any other types of personal insurances like income protection or trauma.","start":1317.79,"end":1322.91,"sentiment":"neutral","sentiment_score":-0.09571321656306585},{"text":"Has anyone ever spoken to you about those, or do you wanna look at understand what they are?","start":1322.91,"end":1328.155,"sentiment":"neutral","sentiment_score":-0.09583328271077739}],"sentiment":"neutral","sentiment_score":-0.0695130469023504,"num_words":44,"start":1312.995,"end":1328.155},{"sentences":[{"text":"Or sorry.","start":1328.155,"end":1329.095,"sentiment":"neutral","sentiment_score":-0.06597470119595528},{"text":"Six months?","start":1331.475,"end":1332.215,"sentiment":"neutral","sentiment_score":-0.03043657634407282},{"text":"Yeah.","start":1333.9551,"end":1334.275,"sentiment":"neutral","sentiment_score":0.028149360790848732},{"text":"Absolutely.","start":1334.275,"end":1334.775,"sentiment":"neutral","sentiment_score":0.07090333104133606},{"text":"With your role now you're a butcher.","start":1335.395,"end":1337.735,"sentiment":"neutral","sentiment_score":0.03319184974368129}],"sentiment":"neutral","sentiment_score":0.010659468073684435,"num_words":13,"start":1328.155,"end":1337.735},{"sentences":[{"text":"Is that right?","start":1337.795,"end":1338.775,"sentiment":"neutral","sentiment_score":0.05977479244271914},{"text":"Fantastic.","start":1340.1951,"end":1340.6951,"sentiment":"positive","sentiment_score":0.4042201638221741},{"text":"Do you have much in the way of sick leave, annual leave, holidays, or savings you can kinda fall back on?","start":1340.835,"end":1346.3501,"sentiment":"neutral","sentiment_score":0.07713831482189042},{"text":"Yep.","start":1346.5701,"end":1346.89,"sentiment":"neutral","sentiment_score":0.04139996320009232},{"text":"Yep.","start":1346.89,"end":1347.2101,"sentiment":"neutral","sentiment_score":0.0366385392844677}],"sentiment":"neutral","sentiment_score":0.08449954277387371,"num_words":27,"start":1337.795,"end":1347.2101},{"sentences":[{"text":"How much leave do you sorta have accrued if you're aware?","start":1347.2101,"end":1350.27,"sentiment":"neutral","sentiment_score":0.018879638307473877},{"text":"Okay.","start":1354.9701,"end":1355.415,"sentiment":"neutral","sentiment_score":0.03394442796707153},{"text":"Beautiful.","start":1355.655,"end":1355.895,"sentiment":"positive","sentiment_score":0.582839846611023},{"text":"So yeah.","start":1355.895,"end":1357.175,"sentiment":"neutral","sentiment_score":0.3095650374889374},{"text":"Beautiful.","start":1357.175,"end":1357.675,"sentiment":"positive","sentiment_score":0.5504105091094971}],"sentiment":"neutral","sentiment_score":0.12462505500297993,"num_words":16,"start":1347.2101,"end":1357.675},{"sentences":[{"text":"So in the event of not being able to go to work in the short term due to illness or injury, you'd have that 300 hours of leave to fall back on to provide income.","start":1357.8151,"end":1366.7151,"sentiment":"neutral","sentiment_score":-0.024624349549412727},{"text":"Yep.","start":1366.775,"end":1367.0951,"sentiment":"neutral","sentiment_score":0.12346502393484116},{"text":"That's absolutely.","start":1367.0951,"end":1368.4751,"sentiment":"positive","sentiment_score":0.5978259742259979},{"text":"Fantastic.","start":1369.255,"end":1369.755,"sentiment":"positive","sentiment_score":0.7363226413726807},{"text":"Well, that's great.","start":1370.8999,"end":1371.7,"sentiment":"positive","sentiment_score":0.6154274543126425}],"sentiment":"neutral","sentiment_score":0.07237785101114284,"num_words":42,"start":1357.8151,"end":1371.7},{"sentences":[{"text":"So your sleep is working really well.","start":1371.7,"end":1373.22,"sentiment":"positive","sentiment_score":0.5893386942999703},{"text":"We'll give it another six months, and then we'll come back and review that together.","start":1373.22,"end":1376.6799,"sentiment":"neutral","sentiment_score":0.19762101372083027},{"text":"You're happy with your insurances, so no changes to be made there at the moment.","start":1377.0599,"end":1381.1599,"sentiment":"positive","sentiment_score":0.39158446391423546},{"text":"We'll come come back in six months and have a chat about that as well.","start":1381.86,"end":1385.5599,"sentiment":"neutral","sentiment_score":0.0874206746617953},{"text":"Did did you just to kinda give you food for thought, did you want me to have any questions around what the insurances are, life, PPD, income protection, or trauma, what those sorts of insurances payout, how they payout?","start":1386.585,"end":1399.065,"sentiment":"neutral","sentiment_score":0.04357104194469941}],"sentiment":"neutral","sentiment_score":0.17553883275160423,"num_words":91,"start":1371.7,"end":1399.065},{"sentences":[{"text":"Did you have any around any of those at all?","start":1399.065,"end":1401.77,"sentiment":"neutral","sentiment_score":0.013960250839591026},{"text":"Or yeah.","start":1401.77,"end":1408.89,"sentiment":"neutral","sentiment_score":0.01622453797608614},{"text":"Yeah.","start":1408.89,"end":1409.05,"sentiment":"neutral","sentiment_score":0.020535841584205627},{"text":"I can break down that.","start":1409.05,"end":1410.35,"sentiment":"neutral","sentiment_score":0.012545424327254296},{"text":"Yeah.","start":1411.21,"end":1411.71,"sentiment":"neutral","sentiment_score":0.02089560590684414}],"sentiment":"neutral","sentiment_score":0.014537376498705462,"num_words":19,"start":1399.065,"end":1411.71},{"sentences":[{"text":"Absolutely.","start":1413.9451,"end":1414.425,"sentiment":"neutral","sentiment_score":0.1090601682662964},{"text":"I can send out an email that breaks down what the different types of insurances are, how what they can cover you for, how they are paid to give you food for thought, and then I'll break down what you have here in the life and TBD.","start":1414.425,"end":1428.14,"sentiment":"neutral","sentiment_score":0.10868402475372274},{"text":"And then you can always come back with additional questions if you need to.","start":1428.6799,"end":1432.36,"sentiment":"neutral","sentiment_score":0.07480847862149988},{"text":"You can always come back if you wanna have a look at what those types of covers are, and we can always review those.","start":1432.36,"end":1437.96,"sentiment":"neutral","sentiment_score":0.08258576784282923},{"text":"You're not limited to one call a year.","start":1437.96,"end":1439.8,"sentiment":"neutral","sentiment_score":0.04317456763237715}],"sentiment":"neutral","sentiment_score":0.09140407448594874,"num_words":94,"start":1413.9451,"end":1439.8},{"sentences":[{"text":"If want me to talk to you every few months and we come back and review things again, that's absolutely fine.","start":1439.8,"end":1444.8949,"sentiment":"neutral","sentiment_score":0.09749627716484524},{"text":"Yeah.","start":1445.595,"end":1446.095,"sentiment":"neutral","sentiment_score":0.1217779815196991},{"text":"Fantastic.","start":1446.475,"end":1446.975,"sentiment":"positive","sentiment_score":0.5010481476783752},{"text":"I'll get that email out to you this afternoon so you've got that there for a bit of reading.","start":1447.0349,"end":1451.0549,"sentiment":"neutral","sentiment_score":0.3323045906267668},{"text":"Okay.","start":1451.115,"end":1451.615,"sentiment":"neutral","sentiment_score":0.14963611960411072}],"sentiment":"neutral","sentiment_score":0.21241096025982567,"num_words":43,"start":1439.8,"end":1451.615},{"sentences":[{"text":"Fantastic.","start":1453.6901,"end":1454.1901,"sentiment":"positive","sentiment_score":0.4495781064033508},{"text":"All good.","start":1454.49,"end":1455.23,"sentiment":"neutral","sentiment_score":0.22267888858914375},{"text":"Now I just also wanted to update a couple of details with you just to see if your circumstances has changed.","start":1455.53,"end":1460.91,"sentiment":"neutral","sentiment_score":0.02145046377111049},{"text":"So income wise, last time we caught up for your review, you were on about 50,000 per annum.","start":1461.29,"end":1466.51,"sentiment":"neutral","sentiment_score":0.01006877564618157},{"text":"Have you had any changes to income as your income increased?","start":1466.89,"end":1470.305,"sentiment":"neutral","sentiment_score":-0.0070075472308830785}],"sentiment":"neutral","sentiment_score":0.027350010657858737,"num_words":53,"start":1453.6901,"end":1470.305},{"sentences":[{"text":"Or no?","start":1470.4451,"end":1474.045,"sentiment":"neutral","sentiment_score":-0.06507434416562319},{"text":"That's okay.","start":1474.045,"end":1474.845,"sentiment":"neutral","sentiment_score":-0.02052895724773407},{"text":"That's alright.","start":1474.845,"end":1475.5651,"sentiment":"neutral","sentiment_score":0.06047132611274719},{"text":"So 50,000.","start":1475.5651,"end":1476.7051,"sentiment":"neutral","sentiment_score":0.06068759225308895},{"text":"Perfect.","start":1476.845,"end":1477.345,"sentiment":"positive","sentiment_score":0.4930981695652008}],"sentiment":"neutral","sentiment_score":0.06268993371890651,"num_words":9,"start":1470.4451,"end":1477.345},{"sentences":[{"text":"Now it looks like you're not making any additional contributions to super.","start":1478.765,"end":1482.95,"sentiment":"neutral","sentiment_score":-0.02361135371029377},{"text":"Are you in a position to be able to make it, like, salary sacrifice or additional contributions to super, or you're sort of not wanting to at the moment?","start":1482.95,"end":1490.3099,"sentiment":"neutral","sentiment_score":-0.08702345192432404},{"text":"What's your thoughts around that?","start":1490.3099,"end":1491.9299,"sentiment":"neutral","sentiment_score":-0.07840273380279542},{"text":"Yep.","start":1493.085,"end":1493.585,"sentiment":"neutral","sentiment_score":0.016496460884809494},{"text":"Yep.","start":1496.445,"end":1496.945,"sentiment":"neutral","sentiment_score":0.050622835755348206}],"sentiment":"neutral","sentiment_score":-0.06524814005630712,"num_words":48,"start":1478.765,"end":1496.945},{"sentences":[{"text":"Perfect.","start":1497.565,"end":1498.065,"sentiment":"neutral","sentiment_score":0.30452853441238403},{"text":"Yeah.","start":1500.2849,"end":1500.605,"sentiment":"neutral","sentiment_score":0.1635265052318573},{"text":"That's fine.","start":1500.605,"end":1501.1649,"sentiment":"neutral","sentiment_score":0.26964762806892395},{"text":"We can add that into the six month catch up if you like.","start":1501.1649,"end":1503.885,"sentiment":"neutral","sentiment_score":0.2644764299576099},{"text":"That way, we can have a look at that.","start":1503.885,"end":1505.965,"sentiment":"neutral","sentiment_score":0.23331004050042894}],"sentiment":"neutral","sentiment_score":0.251743624989803,"num_words":26,"start":1497.565,"end":1505.965},{"sentences":[{"text":"Because, realistically, if you're wanting to retire in about five years, we wanna kinda give your super as much as a boost as we possibly can.","start":1505.965,"end":1513.1001,"sentiment":"neutral","sentiment_score":0.21576395602180407},{"text":"And I don't want you to be taking on too much risk right up into the day you retire.","start":1513.48,"end":1518.04,"sentiment":"neutral","sentiment_score":-0.13987326582795695},{"text":"We do wanna pull that back.","start":1518.04,"end":1519.48,"sentiment":"neutral","sentiment_score":0.08305815855662028},{"text":"We can supplement, you know, reducing the risk with adding some additional contributions to help boost your super a bit further.","start":1519.48,"end":1526.5249,"sentiment":"neutral","sentiment_score":0.18213554116941633},{"text":"So are are are you comfortable with me maybe including that in the February conversation for you?","start":1526.5249,"end":1533.2649,"sentiment":"neutral","sentiment_score":0.046055413563461864}],"sentiment":"neutral","sentiment_score":0.0905439118237308,"num_words":89,"start":1505.965,"end":1533.2649},{"sentences":[{"text":"Yeah.","start":1534.6849,"end":1535.1849,"sentiment":"neutral","sentiment_score":0.1741996705532074},{"text":"Fantastic.","start":1537.03,"end":1537.27,"sentiment":"positive","sentiment_score":0.4466941356658935},{"text":"In the meantime, it's yeah.","start":1537.27,"end":1538.95,"sentiment":"neutral","sentiment_score":0.11699650436639786},{"text":"In the meantime, it gives you something to think about, you know, what what you might be comfortable doing, how that might look for you, and we can all come back and have that conversation.","start":1538.95,"end":1547.45,"sentiment":"neutral","sentiment_score":0.1969925297158105},{"text":"Beautiful.","start":1547.67,"end":1548.17,"sentiment":"positive","sentiment_score":0.531098484992981}],"sentiment":"neutral","sentiment_score":0.20073751983947533,"num_words":43,"start":1534.6849,"end":1548.17},{"sentences":[{"text":"Excellent.","start":1549.19,"end":1549.69,"sentiment":"positive","sentiment_score":0.42564815282821655},{"text":"Are you finding with your your expenditure that you're putting savings away on a regular basis at the moment, or is all of your income going towards your expenses?","start":1550.665,"end":1559.885,"sentiment":"neutral","sentiment_score":0.0663126199666796},{"text":"How are you finding everything at the moment?","start":1559.9451,"end":1561.965,"sentiment":"neutral","sentiment_score":-0.0028135894826846197},{"text":"Yep.","start":1565.225,"end":1565.46,"sentiment":"neutral","sentiment_score":0.0660775825381279},{"text":"Expensive.","start":1568.5,"end":1569.0,"sentiment":"neutral","sentiment_score":-0.284676730632782}],"sentiment":"neutral","sentiment_score":0.052690156697644853,"num_words":40,"start":1549.19,"end":1569.0},{"sentences":[{"text":"Yeah.","start":1569.2999,"end":1569.7799,"sentiment":"neutral","sentiment_score":-0.06928334385156631},{"text":"Yep.","start":1569.7799,"end":1570.2799,"sentiment":"neutral","sentiment_score":-0.023503292351961136},{"text":"Yep.","start":1574.98,"end":1575.48,"sentiment":"neutral","sentiment_score":-0.0618247464299202},{"text":"That's okay.","start":1577.5399,"end":1578.36,"sentiment":"neutral","sentiment_score":0.1447211354970932},{"text":"If you were to quantify what you're saving on a weekly basis, how much do you think you're managing to put away?","start":1579.14,"end":1584.535,"sentiment":"neutral","sentiment_score":0.0446534768932245}],"sentiment":"neutral","sentiment_score":0.04137805111154362,"num_words":27,"start":1569.2999,"end":1584.535},{"sentences":[{"text":"Okay.","start":1590.035,"end":1590.535,"sentiment":"neutral","sentiment_score":0.01759377494454384},{"text":"Okay.","start":1592.995,"end":1593.495,"sentiment":"neutral","sentiment_score":0.17794877290725708},{"text":"Beautiful.","start":1593.555,"end":1594.055,"sentiment":"positive","sentiment_score":0.4532521367073059},{"text":"And you have a dedicated savings account that you're popping it into?","start":1594.275,"end":1598.08,"sentiment":"neutral","sentiment_score":0.15323342134555182},{"text":"Yep.","start":1601.1,"end":1601.5,"sentiment":"neutral","sentiment_score":0.1843384951353073}],"sentiment":"neutral","sentiment_score":0.16699588974006474,"num_words":16,"start":1590.035,"end":1601.5},{"sentences":[{"text":"Beautiful.","start":1601.5,"end":1601.98,"sentiment":"positive","sentiment_score":0.3587086796760559},{"text":"How much do you have in savings in that account at the moment?","start":1601.98,"end":1604.96,"sentiment":"neutral","sentiment_score":0.1060713013777366},{"text":"1,000.","start":1611.815,"end":1612.475,"sentiment":"neutral","sentiment_score":0.03733358532190323},{"text":"Yeah.","start":1612.535,"end":1612.855,"sentiment":"neutral","sentiment_score":0.13442586362361908},{"text":"Perfect.","start":1612.855,"end":1613.355,"sentiment":"neutral","sentiment_score":0.2967430353164673}],"sentiment":"neutral","sentiment_score":0.12977282834403656,"num_words":17,"start":1601.5,"end":1613.355},{"sentences":[{"text":"Excellent.","start":1614.535,"end":1615.035,"sentiment":"neutral","sentiment_score":0.3265841007232666},{"text":"And just with your other assets, now I've got your car.","start":1616.535,"end":1620.455,"sentiment":"neutral","sentiment_score":0.0953057228841565},{"text":"What kind of car do you drive at the moment?","start":1620.455,"end":1622.28,"sentiment":"neutral","sentiment_score":0.013486808352172374},{"text":"Engine.","start":1624.28,"end":1624.78,"sentiment":"neutral","sentiment_score":0.02799496240913868},{"text":"Yep.","start":1625.24,"end":1625.64,"sentiment":"neutral","sentiment_score":0.10534733533859252}],"sentiment":"neutral","sentiment_score":0.06846489307160179,"num_words":24,"start":1614.535,"end":1625.64},{"sentences":[{"text":"Beautiful.","start":1625.64,"end":1626.12,"sentiment":"neutral","sentiment_score":0.31997859477996826},{"text":"We had a value on that last year of about 6,000.","start":1626.12,"end":1629.02,"sentiment":"neutral","sentiment_score":0.07461244409734552},{"text":"Would you still keep that value at about the same, or what would you value your vehicle at now?","start":1629.3201,"end":1634.06,"sentiment":"neutral","sentiment_score":0.02901496787212397},{"text":"Yep.","start":1636.92,"end":1637.16,"sentiment":"neutral","sentiment_score":0.05121060460805893},{"text":"Yep.","start":1637.16,"end":1637.445,"sentiment":"neutral","sentiment_score":0.09682779014110564}],"sentiment":"neutral","sentiment_score":0.05575873527788755,"num_words":33,"start":1625.64,"end":1637.445},{"sentences":[{"text":"Beautiful.","start":1637.6849,"end":1638.1849,"sentiment":"positive","sentiment_score":0.4260181486606598},{"text":"Fantastic.","start":1638.565,"end":1639.065,"sentiment":"positive","sentiment_score":0.48152604699134827},{"text":"We also had your motorcycle.","start":1640.005,"end":1641.3049,"sentiment":"neutral","sentiment_score":0.12985070943832397},{"text":"Do you still have that one?","start":1641.5249,"end":1642.985,"sentiment":"neutral","sentiment_score":0.0488091167062521},{"text":"That's okay.","start":1647.0449,"end":1647.7849,"sentiment":"neutral","sentiment_score":0.048118190839886665}],"sentiment":"neutral","sentiment_score":0.12972592165072758,"num_words":15,"start":1637.6849,"end":1647.7849},{"sentences":[{"text":"We had a value of your motorcycle about 12,000.","start":1648.005,"end":1650.9501,"sentiment":"neutral","sentiment_score":0.021364848439892132},{"text":"Is it valued about the same, do you think?","start":1650.9501,"end":1652.87,"sentiment":"neutral","sentiment_score":0.02314850843201081},{"text":"Or okay.","start":1652.87,"end":1656.39,"sentiment":"neutral","sentiment_score":0.059507334604859345},{"text":"Fantastic.","start":1656.39,"end":1656.89,"sentiment":"positive","sentiment_score":0.355740487575531},{"text":"And what kind of vehicle no.","start":1657.11,"end":1659.51,"sentiment":"neutral","sentiment_score":-0.16578992704550424}],"sentiment":"neutral","sentiment_score":-0.00442089606076479,"num_words":27,"start":1648.005,"end":1659.51},{"sentences":[{"text":"That's okay.","start":1659.51,"end":1660.0701,"sentiment":"neutral","sentiment_score":-0.08178893849253654},{"text":"What kind of motorcycle is it?","start":1660.0701,"end":1661.685,"sentiment":"neutral","sentiment_score":-0.017825342093904812},{"text":"Fantastic.","start":1665.765,"end":1666.265,"sentiment":"positive","sentiment_score":0.34181004762649536},{"text":"Seven 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excellent.","start":1678.9401,"end":1679.66,"sentiment":"positive","sentiment_score":0.7808751463890076}],"sentiment":"neutral","sentiment_score":0.23941381405373768,"num_words":14,"start":1668.405,"end":1679.66},{"sentences":[{"text":"And do you have any debt selling on this one, or is it owned outright?","start":1679.66,"end":1682.8,"sentiment":"neutral","sentiment_score":0.05546349671979745},{"text":"How much do you have owing on it still?","start":1685.8201,"end":1687.895,"sentiment":"neutral","sentiment_score":-0.029699882492423058},{"text":"How much did you borrow originally for it?","start":1693.0751,"end":1695.3351,"sentiment":"neutral","sentiment_score":-0.01004197052679956},{"text":"About 20,000.","start":1697.155,"end":1698.295,"sentiment":"neutral","sentiment_score":-0.003667722223326564},{"text":"Yep.","start":1698.915,"end":1699.235,"sentiment":"neutral","sentiment_score":0.029103755950927734}],"sentiment":"neutral","sentiment_score":0.014459601590143784,"num_words":35,"start":1679.66,"end":1699.235},{"sentences":[{"text":"That's okay.","start":1699.235,"end":1699.9551,"sentiment":"neutral","sentiment_score":0.06701188161969185},{"text":"I'll just note down here that you borrowed 20,000 initially, that you've just started paying it off, so it might be a little bit lower.","start":1699.9551,"end":1705.7401,"sentiment":"neutral","sentiment_score":0.006372721735388041},{"text":"Yeah.","start":1708.04,"end":1708.28,"sentiment":"neutral","sentiment_score":0.056758034974336624},{"text":"That's absolutely fine.","start":1708.28,"end":1709.7201,"sentiment":"neutral","sentiment_score":0.16346474488576254},{"text":"Not a problem at all.","start":1709.7201,"end":1711.1001,"sentiment":"neutral","sentiment_score":0.18769346177577972}],"sentiment":"neutral","sentiment_score":0.04941559403151688,"num_words":36,"start":1699.235,"end":1711.1001},{"sentences":[{"text":"Beautiful.","start":1711.16,"end":1711.66,"sentiment":"positive","sentiment_score":0.368778944015503},{"text":"Now I also had down here as an asset some tools.","start":1712.3601,"end":1715.235,"sentiment":"neutral","sentiment_score":0.05730152163993229},{"text":"You had a value on those combined of about a thousand dollars.","start":1715.235,"end":1718.675,"sentiment":"neutral","sentiment_score":0.024968099935601156},{"text":"Would you keep that about the same or update that lower?","start":1718.675,"end":1721.795,"sentiment":"neutral","sentiment_score":0.006491630930792202},{"text":"What do you 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renting?","start":1731.85,"end":1734.89,"sentiment":"neutral","sentiment_score":0.010240787640213966},{"text":"Sorry.","start":1734.89,"end":1735.37,"sentiment":"neutral","sentiment_score":0.014398137107491491}],"sentiment":"neutral","sentiment_score":0.05368871864323553,"num_words":19,"start":1725.795,"end":1735.37},{"sentences":[{"text":"Yep.","start":1735.37,"end":1735.87,"sentiment":"neutral","sentiment_score":0.03535253927111626},{"text":"Yep.","start":1737.37,"end":1737.69,"sentiment":"neutral","sentiment_score":0.06818747520446777},{"text":"Beautiful.","start":1737.69,"end":1738.09,"sentiment":"neutral","sentiment_score":0.1953868567943573},{"text":"And how much rent are you paying on a weekly or fortnightly basis currently?","start":1738.09,"end":1741.5499,"sentiment":"neutral","sentiment_score":0.024867499047624215},{"text":"$3.60.","start":1742.01,"end":1742.91,"sentiment":"neutral","sentiment_score":0.018602725118398663}],"sentiment":"neutral","sentiment_score":0.03698192128083772,"num_words":18,"start":1735.37,"end":1742.91},{"sentences":[{"text":"Perfect.","start":1743.13,"end":1743.61,"sentiment":"neutral","sentiment_score":0.2427000105381012},{"text":"That's pretty good, Brent.","start":1743.61,"end":1744.625,"sentiment":"neutral","sentiment_score":0.2854563891887665},{"text":"Is that per week?","start":1744.625,"end":1745.6849,"sentiment":"neutral","sentiment_score":0.07168268505483866},{"text":"Per 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track.","start":1773.7949,"end":1779.6349,"sentiment":"neutral","sentiment_score":-0.03894483429544112}],"sentiment":"neutral","sentiment_score":-0.049239236567365494,"num_words":38,"start":1764.37,"end":1779.6349},{"sentences":[{"text":"But if you had to sort of if you tipped your house up, so then and everything fell out, all the items that fall out are technically contents.","start":1779.6349,"end":1786.0549,"sentiment":"neutral","sentiment_score":-0.05184104519763163},{"text":"If you looked at that to replace, it could cost quite a significant amount.","start":1786.17,"end":1790.67,"sentiment":"neutral","sentiment_score":-0.21696268341370992},{"text":"If you thought about your contents, what sort of replacement value would you put on those, do you think?","start":1790.9701,"end":1796.27,"sentiment":"neutral","sentiment_score":-0.07749783188888901},{"text":"Tough one, though.","start":1796.81,"end":1797.7101,"sentiment":"neutral","sentiment_score":-0.2679784695307414},{"text":"20,000?","start":1802.325,"end":1803.225,"sentiment":"neutral","sentiment_score":0.0068544852547347546}],"sentiment":"neutral","sentiment_score":-0.10397794711618469,"num_words":65,"start":1779.6349,"end":1803.225},{"sentences":[{"text":"Fantastic.","start":1803.285,"end":1803.785,"sentiment":"positive","sentiment_score":0.5371599197387695},{"text":"Excellent.","start":1804.965,"end":1805.465,"sentiment":"positive","sentiment_score":0.5390908718109131},{"text":"Well, thank you so much for updating those details there for me.","start":1805.605,"end":1809.145,"sentiment":"positive","sentiment_score":0.48214469105005264},{"text":"And, Janette, just confirming, as but, you know, there's a nonsmoker.","start":1810.085,"end":1812.985,"sentiment":"neutral","sentiment_score":0.00490653745576062},{"text":"That's correct?","start":1813.49,"end":1814.01,"sentiment":"neutral","sentiment_score":0.02495766244828701}],"sentiment":"neutral","sentiment_score":0.2579953452244539,"num_words":27,"start":1803.285,"end":1814.01},{"sentences":[{"text":"No changes?","start":1814.01,"end":1814.87,"sentiment":"neutral","sentiment_score":-0.08495974913239479},{"text":"Yep.","start":1816.61,"end":1817.01,"sentiment":"neutral","sentiment_score":0.037740543484687805},{"text":"Beautiful.","start":1817.01,"end":1817.51,"sentiment":"positive","sentiment_score":0.4235106110572815},{"text":"Nice and healthy.","start":1817.73,"end":1818.63,"sentiment":"positive","sentiment_score":0.5835338433583578},{"text":"Love that.","start":1818.6901,"end":1819.51,"sentiment":"positive","sentiment_score":0.582584410905838}],"sentiment":"positive","sentiment_score":0.35634466757376987,"num_words":9,"start":1814.01,"end":1819.51},{"sentences":[{"text":"Estate planning wise, have you ever had a will drawn up?","start":1821.25,"end":1824.2101,"sentiment":"neutral","sentiment_score":0.03929202021522955},{"text":"Power of attorney?","start":1824.2101,"end":1825.01,"sentiment":"neutral","sentiment_score":-0.006764692564805348},{"text":"Have you ever sought the services on the stuff?","start":1825.01,"end":1827.8849,"sentiment":"neutral","sentiment_score":-0.038959029958479933},{"text":"No.","start":1827.8849,"end":1828.205,"sentiment":"neutral","sentiment_score":-0.11762063950300217},{"text":"That's okay.","start":1828.205,"end":1829.0249,"sentiment":"neutral","sentiment_score":-0.056451501324772835}],"sentiment":"neutral","sentiment_score":-0.006509106427144546,"num_words":26,"start":1821.25,"end":1829.0249},{"sentences":[{"text":"Is it something that's on the list to do?","start":1829.1649,"end":1830.8049,"sentiment":"neutral","sentiment_score":-0.027455752301547263},{"text":"Have you considered no.","start":1830.8049,"end":1837.745,"sentiment":"neutral","sentiment_score":-0.10917461849749088},{"text":"No.","start":1837.8049,"end":1838.125,"sentiment":"neutral","sentiment_score":-0.1906949877738953},{"text":"That's okay.","start":1838.125,"end":1838.7649,"sentiment":"neutral","sentiment_score":-0.12328273802995682},{"text":"It is something to think about.","start":1838.7649,"end":1840.47,"sentiment":"neutral","sentiment_score":-0.07532627694308758}],"sentiment":"neutral","sentiment_score":-0.07150083500891924,"num_words":22,"start":1829.1649,"end":1840.47},{"sentences":[{"text":"And I know a lot of people sort of say to me, well, I don't really have a lot in the way of assets.","start":1840.47,"end":1844.31,"sentiment":"neutral","sentiment_score":-0.1057383343577385},{"text":"But when you look around, you actually probably do.","start":1844.31,"end":1847.05,"sentiment":"neutral","sentiment_score":-0.053760350992282234},{"text":"If you think about things that might be family heirlooms that you might wanna have passed to someone specifically, you might wanna request some money to, you know, to a a a a charity or someone that's, you know, near and dear to yourself without having a will.","start":1847.11,"end":1861.345,"sentiment":"neutral","sentiment_score":-0.013040251059768101},{"text":"And I know with having, you know, your mom passing in the past, you probably were aware well aware of the estate planning aspect to it.","start":1861.345,"end":1868.325,"sentiment":"neutral","sentiment_score":-0.032031384798196644},{"text":"But if you were to pass away currently without a will, you pass away intestate, and that essentially means that everything has to go through a legal process.","start":1868.465,"end":1876.11,"sentiment":"neutral","sentiment_score":-0.13454956215407168}],"sentiment":"neutral","sentiment_score":-0.06109406651446113,"num_words":135,"start":1840.47,"end":1876.11},{"sentences":[{"text":"So people from your past can come forward to take a claim on what they think they're entitled to with your assets.","start":1876.11,"end":1881.65,"sentiment":"neutral","sentiment_score":-0.08476028422063048},{"text":"And going through a legal process means that the legal system makes a decision on who gets what.","start":1882.125,"end":1887.085,"sentiment":"neutral","sentiment_score":-0.11846355473001798},{"text":"So it may not be passed the way you want it to be.","start":1887.085,"end":1889.985,"sentiment":"neutral","sentiment_score":-0.20650092684305632},{"text":"It may mean if you're wanting everything to be handed down to your two sons, that they may not get the opportunity to receive it the way you want them to.","start":1890.365,"end":1897.8,"sentiment":"neutral","sentiment_score":-0.065872541358394},{"text":"So as much as it is a bit of a cost, having a will is really important to do.","start":1898.68,"end":1903.16,"sentiment":"neutral","sentiment_score":0.005505016759822243}],"sentiment":"neutral","sentiment_score":-0.08367995874395648,"num_words":103,"start":1876.11,"end":1903.16},{"sentences":[{"text":"It can be a simple will can cost, you know, $1.02, $300.","start":1903.16,"end":1906.68,"sentiment":"neutral","sentiment_score":0.03818891088788708},{"text":"You can even get a will kit from the post office and complete it correctly, or a more complex will can cost a little bit more.","start":1906.68,"end":1914.545,"sentiment":"neutral","sentiment_score":0.03936177549453882},{"text":"But if you've got a bit of money aside, it is definitely worth speaking to a solicitor and having something drawn up to protect you.","start":1914.545,"end":1921.105,"sentiment":"neutral","sentiment_score":0.028149752840399743},{"text":"Yeah.","start":1921.105,"end":1921.505,"sentiment":"neutral","sentiment_score":0.058229558169841766},{"text":"Yeah.","start":1921.505,"end":1921.905,"sentiment":"neutral","sentiment_score":0.07224589586257935}],"sentiment":"neutral","sentiment_score":0.035629113362385674,"num_words":65,"start":1903.16,"end":1921.905},{"sentences":[{"text":"So definitely keep that in mind if you you know, we'll definitely revisit that again when we talk in six months' time.","start":1921.905,"end":1928.3401,"sentiment":"neutral","sentiment_score":0.07142182727429},{"text":"But, yeah, feel free to have a think about that and just have a one day when you're sort of standing at home, have a bit of a look around at everything that you do have and just maybe have that think about what would I what would happen if something happened to me if I was to pass away?","start":1928.3401,"end":1941.885,"sentiment":"neutral","sentiment_score":0.03732383158057928},{"text":"What do I want how do I want everything to be passed down?","start":1941.965,"end":1945.725,"sentiment":"neutral","sentiment_score":-0.05969222348469954},{"text":"Who do I want to receive certain things?","start":1945.725,"end":1947.645,"sentiment":"neutral","sentiment_score":-0.08118005143478513},{"text":"What, you know, do I and it means selling off your car.","start":1947.645,"end":1950.385,"sentiment":"neutral","sentiment_score":-0.06492383933315675}],"sentiment":"neutral","sentiment_score":0.013966823531233746,"num_words":115,"start":1921.905,"end":1950.385},{"sentences":[{"text":"It means selling off your motorcycle.","start":1950.525,"end":1952.145,"sentiment":"neutral","sentiment_score":-0.05756803167363008},{"text":"It also means all of your contents.","start":1953.005,"end":1954.705,"sentiment":"neutral","sentiment_score":-0.041036728237356455},{"text":"You might have family airlines or things that you held for for as a child or things that have been passed down from other family members to yourself that might be really important to keep aside.","start":1954.765,"end":1963.49,"sentiment":"neutral","sentiment_score":-0.03229596067426933},{"text":"So it is definitely worth having a think about how you would want things to be passed to people.","start":1963.55,"end":1969.65,"sentiment":"neutral","sentiment_score":0.016190885909293826},{"text":"Yeah.","start":1970.27,"end":1970.59,"sentiment":"neutral","sentiment_score":0.07431846112012863}],"sentiment":"neutral","sentiment_score":-0.020483689544641453,"num_words":69,"start":1950.525,"end":1970.59},{"sentences":[{"text":"Yeah.","start":1970.59,"end":1970.895,"sentiment":"neutral","sentiment_score":0.08245735615491867},{"text":"So bit of food for thought there for you.","start":1971.055,"end":1973.055,"sentiment":"neutral","sentiment_score":0.10656268646319707},{"text":"It is definitely worthwhile thinking about and and speaking to a solicitor to do those sorts of things.","start":1973.055,"end":1978.275,"sentiment":"neutral","sentiment_score":0.16125363670289516},{"text":"And I'll make sure I revisit those in February when we come back and and revisit the conversation again for you.","start":1978.735,"end":1984.915,"sentiment":"neutral","sentiment_score":0.11429887868109204},{"text":"Okay.","start":1984.975,"end":1985.31,"sentiment":"neutral","sentiment_score":0.090250164270401}],"sentiment":"neutral","sentiment_score":0.12869227223098278,"num_words":50,"start":1970.59,"end":1985.31},{"sentences":[{"text":"Yeah.","start":1985.79,"end":1986.29,"sentiment":"neutral","sentiment_score":0.10067306458950044},{"text":"Oh, good.","start":1986.75,"end":1987.5701,"sentiment":"positive","sentiment_score":0.6385221779346466},{"text":"Fantastic.","start":1987.8701,"end":1988.3701,"sentiment":"positive","sentiment_score":0.7891042828559875},{"text":"It's looking forward at future goals.","start":1990.3501,"end":1992.3501,"sentiment":"positive","sentiment_score":0.606293390194575},{"text":"Now we're looking at, your retirement and at about 60, noting that you would be comfortable working longer if you needed to there as well.","start":1992.3501,"end":2000.4501,"sentiment":"neutral","sentiment_score":0.1819402939081192}],"sentiment":"neutral","sentiment_score":0.2958025540624346,"num_words":35,"start":1985.79,"end":2000.4501},{"sentences":[{"text":"Is there any other goals that you might have at the moment?","start":2001.745,"end":2005.205,"sentiment":"neutral","sentiment_score":0.13291215834518275},{"text":"No.","start":2008.865,"end":2009.105,"sentiment":"neutral","sentiment_score":-0.2386246919631958},{"text":"That's okay.","start":2009.105,"end":2009.925,"sentiment":"neutral","sentiment_score":-0.12629829347133636},{"text":"How do you that's okay.","start":2010.545,"end":2013.205,"sentiment":"neutral","sentiment_score":-0.018225474655628203},{"text":"Have you thought about how you wanna spend your time at Giz?","start":2013.265,"end":2016.69,"sentiment":"neutral","sentiment_score":0.09094885302086671}],"sentiment":"neutral","sentiment_score":0.06574948388151824,"num_words":32,"start":2001.745,"end":2016.69},{"sentences":[{"text":"What do you wanna be doing?","start":2016.69,"end":2018.15,"sentiment":"neutral","sentiment_score":0.05461949730912844},{"text":"Oh, no.","start":2025.73,"end":2026.5499,"sentiment":"neutral","sentiment_score":-0.02524524461477995},{"text":"Five years?","start":2026.61,"end":2027.4299,"sentiment":"neutral","sentiment_score":-0.030043654143810272},{"text":"That's okay.","start":2031.9551,"end":2032.775,"sentiment":"neutral","sentiment_score":0.09173755720257759},{"text":"Few motorcycle rides, maybe traveling as much as you can.","start":2032.915,"end":2036.115,"sentiment":"neutral","sentiment_score":0.07557939626276493}],"sentiment":"neutral","sentiment_score":0.05256401197138158,"num_words":22,"start":2016.69,"end":2036.115},{"sentences":[{"text":"Is there any kind of project?","start":2036.115,"end":2037.5751,"sentiment":"neutral","sentiment_score":0.048278991132974625},{"text":"Yep.","start":2038.595,"end":2039.095,"sentiment":"neutral","sentiment_score":0.3121851682662964},{"text":"Yep.","start":2039.635,"end":2040.135,"sentiment":"neutral","sentiment_score":0.1920932978391647},{"text":"Beautiful.","start":2041.795,"end":2042.295,"sentiment":"positive","sentiment_score":0.4102954566478729},{"text":"Beautiful.","start":2044.115,"end":2044.615,"sentiment":"positive","sentiment_score":0.4999682903289795}],"sentiment":"neutral","sentiment_score":0.17042161598801614,"num_words":10,"start":2036.115,"end":2044.615},{"sentences":[{"text":"Excellent.","start":2046.14,"end":2046.64,"sentiment":"positive","sentiment_score":0.629075288772583},{"text":"One of the other things I would like to sort of have you think about between now and February as well is what kind of income that you might think you need to live on.","start":2047.74,"end":2055.82,"sentiment":"neutral","sentiment_score":0.25906328048024857},{"text":"So, essentially, what we wanna do when we are updating the advice and looking forward towards your retirement is looking at what you might need to live on on a regular basis.","start":2055.82,"end":2064.925,"sentiment":"neutral","sentiment_score":0.25639289896935225},{"text":"Yeah.","start":2066.0251,"end":2066.345,"sentiment":"neutral","sentiment_score":0.18755695223808289},{"text":"And because you are renting, rental definitely come into an effect there as well.","start":2066.345,"end":2070.5051,"sentiment":"neutral","sentiment_score":0.17893214843102864}],"sentiment":"neutral","sentiment_score":0.2481140952153378,"num_words":83,"start":2046.14,"end":2070.5051},{"sentences":[{"text":"So if if you can over the next few months, just have a think about whether you would be needing to replace your current income.","start":2070.5051,"end":2077.53,"sentiment":"neutral","sentiment_score":0.0779918012022972},{"text":"So you're on about $50,000 per year at the moment.","start":2077.6702,"end":2080.71,"sentiment":"neutral","sentiment_score":0.03443124946206808},{"text":"Would you just wanted to draw down the same income you have, or is there a different specific amount of money you think would be appropriate for you to draw down on a weekly or fortnightly basis from super to live on in those time years?","start":2080.71,"end":2093.0352,"sentiment":"neutral","sentiment_score":0.11272218167457891},{"text":"Because we'll look at that as a bit of a goal and look look forward.","start":2093.0352,"end":2098.61,"sentiment":"neutral","sentiment_score":0.2900622049967448},{"text":"Yeah.","start":2098.61,"end":2099.11,"sentiment":"neutral","sentiment_score":0.2216680496931076}],"sentiment":"neutral","sentiment_score":0.12424669078714454,"num_words":97,"start":2070.5051,"end":2099.11},{"sentences":[{"text":"So one of the things that we do like to do is utilize the time between now and when you're wanting to access super.","start":2099.33,"end":2106.53,"sentiment":"neutral","sentiment_score":0.27838927259047824},{"text":"We project everything forward.","start":2106.53,"end":2108.21,"sentiment":"neutral","sentiment_score":0.2863973379135132},{"text":"We do utilize past data for investments to see how they have performed and what we expect things to how we expect them, sorry, to react in the future.","start":2108.21,"end":2117.865,"sentiment":"neutral","sentiment_score":0.16095378558183537},{"text":"But we also yep.","start":2119.365,"end":2123.065,"sentiment":"neutral","sentiment_score":0.12363887205719948},{"text":"All good.","start":2126.6199,"end":2127.44,"sentiment":"positive","sentiment_score":0.49305368959903717}],"sentiment":"neutral","sentiment_score":0.2218294371924703,"num_words":63,"start":2099.33,"end":2127.44},{"sentences":[{"text":"Yep.","start":2131.58,"end":2132.08,"sentiment":"neutral","sentiment_score":0.1070309281349182},{"text":"Absolutely.","start":2134.3,"end":2134.8,"sentiment":"neutral","sentiment_score":0.1747927367687225},{"text":"I've given you a little bit of homework this week, haven't I?","start":2135.66,"end":2138.88,"sentiment":"neutral","sentiment_score":0.13169105040530363},{"text":"Yeah.","start":2143.205,"end":2143.2852,"sentiment":"neutral","sentiment_score":0.12314636260271072},{"text":"Because what yeah.","start":2143.2852,"end":2144.485,"sentiment":"neutral","sentiment_score":0.11385455230871837}],"sentiment":"neutral","sentiment_score":0.12926812718311945,"num_words":18,"start":2131.58,"end":2144.485},{"sentences":[{"text":"No.","start":2144.485,"end":2144.645,"sentiment":"neutral","sentiment_score":0.11184267699718475},{"text":"It'd be good.","start":2144.645,"end":2145.125,"sentiment":"neutral","sentiment_score":0.3270137409369151},{"text":"Because when we look at projecting things out, we look at, you know, how the the outcome of when we get to the retirement age that you're after, how long your super is expected to last, and how we can supplement that at 67 by maybe adding in Centrelink and what that looks like to sort of show you longevity and what we're expecting project wise out of your super.","start":2145.125,"end":2165.1301,"sentiment":"positive","sentiment_score":0.40505782131637846},{"text":"So it kinda shows you where we're tracking for, what we hope to expect out of that, and then we keep providing advice and updating it for you as as you track forward there.","start":2165.1301,"end":2174.615,"sentiment":"positive","sentiment_score":0.5175969048457987},{"text":"Okay?","start":2174.615,"end":2175.115,"sentiment":"neutral","sentiment_score":0.33241260051727295}],"sentiment":"positive","sentiment_score":0.43465723630485187,"num_words":109,"start":2144.485,"end":2175.115},{"sentences":[{"text":"All good.","start":2176.615,"end":2177.095,"sentiment":"positive","sentiment_score":0.614347517490387},{"text":"Now I know I've touched on a lot, Donald.","start":2177.095,"end":2179.415,"sentiment":"neutral","sentiment_score":0.06380606980787383},{"text":"Do you have any questions for me?","start":2179.415,"end":2181.175,"sentiment":"neutral","sentiment_score":0.0315670126250812},{"text":"Is there anything that I may not have touched on that you were wanting to speak about, or do you have any questions in relation to anything I have pulled up?","start":2181.175,"end":2188.82,"sentiment":"neutral","sentiment_score":0.0005396119048518518},{"text":"So that's the other thing I was gonna definitely bring up with you is our ongoing service fee.","start":2196.295,"end":2201.2551,"sentiment":"neutral","sentiment_score":0.023364494037297037}],"sentiment":"neutral","sentiment_score":0.036734441990283,"num_words":67,"start":2176.615,"end":2201.2551},{"sentences":[{"text":"So it has definitely changed a little bit.","start":2201.2551,"end":2203.335,"sentiment":"neutral","sentiment_score":0.008438065648078918},{"text":"The fee you were on last the last couple of years was a set percentage fee of 1.65%.","start":2203.335,"end":2211.21,"sentiment":"neutral","sentiment_score":0.0015563639915651744},{"text":"And that essentially as an ongoing service fee of 1.65%, it means that it does fluctuate with the market.","start":2211.91,"end":2218.15,"sentiment":"neutral","sentiment_score":0.06104735461504836},{"text":"And it does mean that as your super balance increases over time, the more we expect to receive also does increase with it as well.","start":2218.15,"end":2225.835,"sentiment":"neutral","sentiment_score":0.16652630805969237},{"text":"This this year, however, we have changed our fee structure.","start":2226.6948,"end":2230.615,"sentiment":"neutral","sentiment_score":-0.0802850615233183}],"sentiment":"neutral","sentiment_score":0.057696573762223126,"num_words":80,"start":2201.2551,"end":2230.615},{"sentences":[{"text":"Do you receive the newsletter very often?","start":2230.615,"end":2232.855,"sentiment":"neutral","sentiment_score":0.004520740360021591},{"text":"Do you read that?","start":2232.855,"end":2233.83,"sentiment":"neutral","sentiment_score":0.015561480075120926},{"text":"Is yep.","start":2241.27,"end":2242.1702,"sentiment":"neutral","sentiment_score":0.02401698287576437},{"text":"Yeah.","start":2247.03,"end":2247.51,"sentiment":"neutral","sentiment_score":0.042834050953388214},{"text":"So what's what's changed what's changed with our ongoing service fee is that we've set it to be more of a fixed dollar.","start":2247.51,"end":2254.075,"sentiment":"neutral","sentiment_score":0.037355103003590004}],"sentiment":"neutral","sentiment_score":0.028214229421841132,"num_words":37,"start":2230.615,"end":2254.075},{"sentences":[{"text":"So we've got a tiered structure now.","start":2254.075,"end":2256.255,"sentiment":"neutral","sentiment_score":0.07229372273598399},{"text":"It basically means that from your balance being 0 to 200,000, the percentage remains at 1.65%.","start":2256.395,"end":2264.73,"sentiment":"neutral","sentiment_score":0.06891773454844952},{"text":"We actually go and calculate that 1.65%, and then we add 5% as growth on top of that.","start":2265.1099,"end":2272.3298,"sentiment":"neutral","sentiment_score":0.11908992007374763},{"text":"Then when your ongoing service agreement, we actually add that as a fixed dollar figure fee.","start":2272.95,"end":2277.9949,"sentiment":"neutral","sentiment_score":0.11385361943393946},{"text":"And the reason we're doing that is because it actually works out better for you.","start":2278.375,"end":2282.295,"sentiment":"positive","sentiment_score":0.5037734667460124}],"sentiment":"neutral","sentiment_score":0.18236969840816325,"num_words":72,"start":2254.075,"end":2282.295},{"sentences":[{"text":"We're in county we're incorporating that 5% growth, but on the old fee structure, if you've got, you know, 15% growth, then our fee increases along with that additional growth.","start":2282.295,"end":2294.4302,"sentiment":"neutral","sentiment_score":0.12933404482901095},{"text":"Whereas right now, it won't.","start":2294.4302,"end":2295.9502,"sentiment":"neutral","sentiment_score":-0.09735321998596191},{"text":"It means that you will not pay any more than what is being noted here.","start":2295.9502,"end":2300.03,"sentiment":"neutral","sentiment_score":-0.02964287077387174},{"text":"I believe the fee structure, the dollar figure should say $3,283.45.","start":2300.03,"end":2306.575,"sentiment":"neutral","sentiment_score":0.10621071335944263},{"text":"So it actually gives you a lot more clarity around what that fee is going to be, and we won't charge any more than what's being said there.","start":2306.795,"end":2315.375,"sentiment":"neutral","sentiment_score":0.24923604780009814}],"sentiment":"neutral","sentiment_score":0.12466898167066359,"num_words":89,"start":2282.295,"end":2315.375},{"sentences":[{"text":"The other change with our fee structure is that it's also a tiered structure now, a little bit like the tax system.","start":2316.315,"end":2322.8699,"sentiment":"neutral","sentiment_score":-0.08301524106751788},{"text":"So if you think about the tax rates, yeah, every time your income goes up, you go into a new tax bracket.","start":2323.17,"end":2329.0298,"sentiment":"neutral","sentiment_score":-0.08973913318054243},{"text":"With our ongoing service fee, as your balance increases, our fee bracket actually decreases.","start":2329.41,"end":2335.485,"sentiment":"neutral","sentiment_score":0.044152483344078064},{"text":"So our ongoing service fee for balances of 0 to 200,000, that's at 1.65%.","start":2335.945,"end":2343.565,"sentiment":"neutral","sentiment_score":0.057556308805942535},{"text":"Once your super balance reaches that 200,000, you then go into the next tier structure, and that reduces your ongoing service fee for balances over 200,000 to 500,000.","start":2343.7852,"end":2355.18,"sentiment":"neutral","sentiment_score":0.08518103111003127}],"sentiment":"neutral","sentiment_score":0.00008395727723836899,"num_words":100,"start":2316.315,"end":2355.18},{"sentences":[{"text":"We then charge 1.375.","start":2355.5598,"end":2358.345,"sentiment":"neutral","sentiment_score":0.05459978990256786},{"text":"And then when your super balance goes over 500,000, you drop to the next tier structure, and that becomes 1.1 0%.","start":2358.345,"end":2365.545,"sentiment":"neutral","sentiment_score":0.013546572155540898},{"text":"So each, yeah, so each tier actually drops a little bit.","start":2365.545,"end":2370.425,"sentiment":"neutral","sentiment_score":-0.23134974051605572},{"text":"So as your balance increases, And we work that out essentially as a percentage.","start":2370.425,"end":2375.8398,"sentiment":"neutral","sentiment_score":0.02579474276197808},{"text":"We add the five percent of growth to the total, and then we give you a set dollar figure fee in your annual in your, ongoing service agreement.","start":2375.9,"end":2383.9,"sentiment":"neutral","sentiment_score":0.05726249037044389}],"sentiment":"neutral","sentiment_score":-0.0009935107917930835,"num_words":78,"start":2355.5598,"end":2383.9},{"sentences":[{"text":"So you know exactly what you're gonna pay this year, and it's encompassing 5% growth.","start":2383.9,"end":2389.515,"sentiment":"neutral","sentiment_score":0.07048722356557846},{"text":"But if you get 25% growth, it it doesn't increase your fee.","start":2389.515,"end":2394.335,"sentiment":"neutral","sentiment_score":0.012608953441182772},{"text":"The next year, we just readjust it and do the dollar figure again and show you what you're expected to pay.","start":2394.475,"end":2400.555,"sentiment":"neutral","sentiment_score":0.07484172408779462},{"text":"So it's actually working out, yeah, it actually works out more beneficial for you because that ongoing service agreement tells you how much you're going to pay regardless of what happens, and it gives you more certainty.","start":2400.555,"end":2413.5698,"sentiment":"positive","sentiment_score":0.3373442217707634},{"text":"And as your balance increases, each tier that you drop down decreases in the percentage that you pay us.","start":2413.71,"end":2421.525,"sentiment":"neutral","sentiment_score":0.13282488247281626}],"sentiment":"neutral","sentiment_score":0.17101635551080108,"num_words":104,"start":2383.9,"end":2421.525},{"sentences":[{"text":"So it tends to work out a little bit better over time for you as well.","start":2421.525,"end":2426.805,"sentiment":"neutral","sentiment_score":0.318800444714725},{"text":"Does that make sense?","start":2426.805,"end":2428.025,"sentiment":"neutral","sentiment_score":0.1753736026585102},{"text":"Yeah.","start":2431.5598,"end":2431.72,"sentiment":"neutral","sentiment_score":0.09931039810180664},{"text":"Yeah.","start":2431.72,"end":2432.0398,"sentiment":"neutral","sentiment_score":0.14435066282749176},{"text":"It's giving you a lot more certainty around the ongoing service fee, and it still encompasses the agent's the super looking after your super and everything around that.","start":2432.0398,"end":2440.44,"sentiment":"neutral","sentiment_score":0.19177090004086494}],"sentiment":"neutral","sentiment_score":0.22831095576286317,"num_words":50,"start":2421.525,"end":2440.44},{"sentences":[{"text":"We still provide advice and wanna keep tracking forward, and there's no implementation fees for any new advice around the super system there.","start":2440.44,"end":2447.895,"sentiment":"neutral","sentiment_score":0.1971500820439795},{"text":"So we just wanna make sure things are working harder for you and then, you know, making sure that we're continuously working on your behalf and in your best interest.","start":2447.895,"end":2456.07,"sentiment":"neutral","sentiment_score":0.21129612922668456},{"text":"But we do have to charge a fee for doing so, but we try to make it as fair as possible.","start":2456.07,"end":2461.21,"sentiment":"neutral","sentiment_score":0.03777017196019491},{"text":"Yeah.","start":2461.6702,"end":2462.1702,"sentiment":"neutral","sentiment_score":0.04921293258666992},{"text":"Does that make sense?","start":2462.23,"end":2463.27,"sentiment":"neutral","sentiment_score":0.0504183154553175}],"sentiment":"neutral","sentiment_score":0.15085310847321642,"num_words":79,"start":2440.44,"end":2463.27},{"sentences":[{"text":"Do you have yeah.","start":2463.27,"end":2464.57,"sentiment":"neutral","sentiment_score":0.024552098708227277},{"text":"Oh, good.","start":2465.6702,"end":2466.4102,"sentiment":"neutral","sentiment_score":0.31749650835990906},{"text":"Fantastic.","start":2466.47,"end":2466.97,"sentiment":"positive","sentiment_score":0.4960859715938568},{"text":"So if you are comfortable to stay on board for the next twelve months, we do ask that you sign the ongoing service agreement there for me.","start":2467.75,"end":2474.0051,"sentiment":"neutral","sentiment_score":0.22712177866035038},{"text":"If you're comfortable comfortable to do so now, that would be fabulous.","start":2474.0051,"end":2477.5251,"sentiment":"positive","sentiment_score":0.39955888005594414}],"sentiment":"neutral","sentiment_score":0.264266999296682,"num_words":46,"start":2463.27,"end":2477.5251},{"sentences":[{"text":"If you wanna take it back and read it through, that's fine.","start":2477.5251,"end":2480.105,"sentiment":"neutral","sentiment_score":0.12740406580269337},{"text":"Is it working for you?","start":2489.84,"end":2491.22,"sentiment":"neutral","sentiment_score":0.1976620152592659},{"text":"Fantastic.","start":2493.84,"end":2494.34,"sentiment":"positive","sentiment_score":0.7675831913948059},{"text":"Yep.","start":2498.0,"end":2498.4,"sentiment":"positive","sentiment_score":0.46285325288772583},{"text":"Beautiful.","start":2498.4,"end":2498.9,"sentiment":"positive","sentiment_score":0.7796630263328552}],"sentiment":"neutral","sentiment_score":0.22636291682720183,"num_words":20,"start":2477.5251,"end":2498.9},{"sentences":[{"text":"And so just to kind of recap, everything's working well.","start":2499.405,"end":2502.125,"sentiment":"positive","sentiment_score":0.4604080021381378},{"text":"We'll give your super and your portfolio another six months.","start":2502.125,"end":2505.645,"sentiment":"neutral","sentiment_score":0.28550994098186494},{"text":"We'll come back in February.","start":2505.645,"end":2507.0251,"sentiment":"neutral","sentiment_score":0.0966963917016983},{"text":"We'll do a catch up.","start":2507.085,"end":2508.5452,"sentiment":"neutral","sentiment_score":0.1437724456191063},{"text":"We'll then we'll then reassess, know, your risk level, your retirement goals, your retirement income, and maybe some salary sacrifice there and revisit the insurance aspect for you as well.","start":2508.925,"end":2519.98,"sentiment":"neutral","sentiment_score":0.10112077469627062}],"sentiment":"neutral","sentiment_score":0.19491911431153616,"num_words":60,"start":2499.405,"end":2519.98},{"sentences":[{"text":"Is that right?","start":2519.98,"end":2520.54,"sentiment":"neutral","sentiment_score":0.08169620484113693},{"text":"Am I on the right track with that?","start":2520.54,"end":2522.24,"sentiment":"neutral","sentiment_score":0.06961540458723903},{"text":"Fantastic.","start":2525.925,"end":2526.425,"sentiment":"positive","sentiment_score":0.5062313079833984},{"text":"Oh, fantastic.","start":2526.5652,"end":2527.5452,"sentiment":"positive","sentiment_score":0.5605520308017731},{"text":"Thank you so much.","start":2527.7651,"end":2528.8052,"sentiment":"positive","sentiment_score":0.694190502166748}],"sentiment":"neutral","sentiment_score":0.2892282905264033,"num_words":18,"start":2519.98,"end":2528.8052},{"sentences":[{"text":"It's just come back to me.","start":2528.8052,"end":2530.0852,"sentiment":"neutral","sentiment_score":0.3319315363963445},{"text":"I appreciate that, Donald.","start":2530.0852,"end":2531.5251,"sentiment":"positive","sentiment_score":0.5338736474514008},{"text":"Thank you so much.","start":2531.5251,"end":2532.665,"sentiment":"positive","sentiment_score":0.4551738053560257},{"text":"My pleasure.","start":2535.0452,"end":2535.865,"sentiment":"positive","sentiment_score":0.5502147972583771},{"text":"Anytime.","start":2536.0852,"end":2536.5852,"sentiment":"positive","sentiment_score":0.37565240263938904}],"sentiment":"positive","sentiment_score":0.43669770745670095,"num_words":17,"start":2528.8052,"end":2536.5852},{"sentences":[{"text":"You have an amazing afternoon.","start":2536.725,"end":2538.345,"sentiment":"positive","sentiment_score":0.5835945010185242},{"text":"I'll talk to you in six months unless something comes up that I need to sort of touch base with you earlier.","start":2538.405,"end":2543.3499,"sentiment":"neutral","sentiment_score":0.1720005331391638},{"text":"In the meantime, we'll get your beneficiary nomination for your super updated and sent to you.","start":2543.65,"end":2548.8699,"sentiment":"neutral","sentiment_score":0.20140946051105857},{"text":"And I'll also send you a little email just outlining the income protection, the life, the TPD, and the trauma policies just so you can have a look and compare what you have versus what you might think you need down the track.","start":2549.01,"end":2561.065,"sentiment":"neutral","sentiment_score":0.12841750768034957},{"text":"Okay?","start":2561.125,"end":2561.625,"sentiment":"neutral","sentiment_score":0.0689135491847992}],"sentiment":"neutral","sentiment_score":0.17833795381345968,"num_words":87,"start":2536.725,"end":2561.625},{"sentences":[{"text":"My pleasure.","start":2564.2449,"end":2564.885,"sentiment":"positive","sentiment_score":0.7295672595500946},{"text":"You have a lovely afternoon.","start":2564.885,"end":2566.1648,"sentiment":"positive","sentiment_score":0.7762452483177185},{"text":"It's been an absolute pleasure catching up with you.","start":2566.1648,"end":2570.331,"sentiment":"positive","sentiment_score":0.771727806992001},{"text":"Talk to you soon.","start":2571.431,"end":2572.3909,"sentiment":"neutral","sentiment_score":0.3288739323616028},{"text":"See you later.","start":2572.3909,"end":2573.291,"sentiment":"neutral","sentiment_score":0.14392903447151184}],"sentiment":"positive","sentiment_score":0.610138863325119,"num_words":23,"start":2564.2449,"end":2573.291},{"sentences":[{"text":"Bye.","start":2574.151,"end":2574.651,"sentiment":"neutral","sentiment_score":-0.051334548741579056}],"sentiment":"neutral","sentiment_score":-0.051334548741579056,"num_words":1,"start":2574.151,"end":2574.651}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. Yourself? Yes. No worries. That's all good. Thanks. Oh, that's alright. No worries. All good. Yeah. No worries at all. All good. Yeah. It's all good. Yes. No worries at all. Okay. That's alright. I should have a look. Yeah. That's right. Yeah. It hasn't come through yet. Yep. No worries at all. Yep. That's fine. Thanks. Yes. It's Donald. 16th Of 970 And 20 McLaughlin Street, Orange, New South Wales. At the moment, very cold. It's not very nice at all. Alright. Okay. It's very cold. We had some nice sunny days earlier sort of thing, like, the frost and that, but now it's so rainy and overcast and windy and yeah, very cold. Yeah. Yeah. It's been pouring. Yeah. I think so for the farmers and that too, apparently. So yeah. I'll just have a look. Well, he beguard. Yes. Yes. Hey. How's it going? Probably good? Yeah. Just just just just damn loud enough for me. Okay. Okay. Here we go. Yeah. Yeah. Yeah. The supervisor summary. Yeah. It tastes very good, dear. Yeah. Okay. Yep. Let's get that one. Okay. Here we go. Alright. Oh, good question. I'm not sure now. You want to post that to me again. Yeah. Go ahead. Okay. Okay. Yep. Alright. Yep. Okay. Okay. Yep. Yep. That's alright. Okay. Okay. Oh, yeah. Yeah. My way. That's for sure. Yeah. Yeah. That's right. I'm just checking out the chart. Now the index chart there, it's up and down in that like, you know. Well, that's right. Yeah. Well, Yeah. That's okay. Yeah. Okay. Yes. It that's my sense. Yeah. Yeah. Yes. Yes. Probably when I'm 60. Yeah. That's a point. No. That's that's that's not five years away. So Pretty happy, really, like, you know? Yes. I just think it's it'll it'll come in handy. Very handy, I reckon. Probably things away there now for a while, I suppose, and just give them another six months and see how we go and yeah. That month to go. Yeah. Mhmm. Okay. I probably I probably just I probably wouldn't retire at 60. I'd just probably get a just withdraw a certain percentage out of my super and and go to 67 or something or or depends on the situation, I suppose, at the time. Yeah. That's right. Probably about about four. Yeah. No. No. No. It's kinda hard to say, really. Like, I'm not sure how long this was gonna get when I was there in America and that that that that might be all finished in another, what, twelve months or something. It's hard to say, but that doesn't help the economy and that sort of thing. So, yeah, sad to say, really. Yes. Yes. I probably I probably would. Yeah. I probably would just give it a go and, you know, I suppose it pays to take some risk sort of thing. Like, you got you gotta have a bit of a go, I suppose. Yeah. You just don't know who it was. Yeah. Okay. Yep. Yeah. Okay. That sounds good. That sounds good. Yep. Yep. Hello? My two sons. That's correct. Yes. That's correct. Yes. It's just it's just my two sons. Yeah. My mom passed away last last year, unfortunately. So, yeah, that's okay. Yeah. So it's just my two sons now. Okay. Yep. Yeah. If you can send me another form, yeah, that'd be great. I'll just fill it out and send it back to you. That'd be great. Thanks. Yeah. Yeah. Alright. Thank you. Yep. That's right. Yes. What? Well, okay. That's that's that's sounds good. Yes. That sounds good. Yes. Okay. Yep. No worries. Okay. No worries. That's all we'll do. Yep. Oh, that's okay. Thank you. Yeah. Not at the moment. No. No. Sort of. Yeah. Sort of would be. Yeah. Not at the moment. No. Probably probably later on, though. If a little bit later on. Yeah. Okay. No. No. I might talk about about six months of the phone. Probably in the next six months, I probably will. Yeah. That's right. Yes. Yes. Yes. I do. Yes. Yep. I've got about three hundred hours at the moment, I believe. That's right. Yeah. It'll come in handy. Okay. Okay. Yep. Okay. That's right. It is would you would you be able to send me some information about them? Rather than check them out and have a bit of a read and okay. Okay. If you want two years, that'd be great too. Okay. Not not the moment. No. No. Not at the moment. No. No. But I'll pop I'll I'll probably will think about that later on and get back to you sort of thing. Yeah. Yeah. That's right. Yeah. That's what I did. Yeah. That'd be great. Thanks. Yeah. We'll we'll talk about that, and we'll talk to you later. Okay. I'm saving I'm I'm saving a bit of money, but it doesn't cost a little bit on that sort of stuff kinda. You know? Trying to spend in the work sort of thing. But, yeah, I'm saving a little bit of money, but not a great deal sort of thing. But Sometimes a $100, sometimes 150, sometimes 80. It it varies on the on the week sort of thing. Yeah. Yeah. Just be over yeah. Just another account. That's all. Probably about a bit over grand sort of thing. Just a ute, Fair and ute. We need about that, about $5.06, probably about that too. I've got another one now. Yeah. It's a different one, but yeah. This one's about 20,000. This is not very old at all. It's a Yamaha 700. It's a '25 model. In the summertime, I do. Yeah. Yeah. I take the work at that and drive around the weekends, that sort of thing. No. I'm just pulling that off at the moment. Oh, I just started probably I don't know, to tell you the truth. About 20,000. About twenty thousand. Yeah. Yeah. I'm not sure what's on the at the moment. At the moment, about the same. Yeah. Yeah. Yeah. Spreading. Yes. If it fits, yes. Three 60. That's per week. Yes. No. No. No. Not at the moment. I don't know. I'd probably say 45, I suppose. That's alright. Yeah. That's right. No. Not the moment. No. I haven't got one yet. Let's see. Mhmm. Yeah. That's right. Yeah. That's right. Yeah. That's right. Yep. Okay. Okay. Alright. My wife's yep. It feels good. That's right. Yes. Not at the moment. No. Enough at the moment. No. Almost sure to hear the truth. That's why you just think about it. Oh, yes. Yeah. Yeah. Yeah. I'm not sure at the moment. So yeah. Yeah. Probably the air beer. The travel would be nice. That'd be nice. I went to the countryside and go overseas and sort of thing. Yeah. Yeah. Righty. Yeah. I'll I'll I'll talk about that too. Yeah. I'll I'll think about that and and, yeah, I'll I'll think about that one, and we'll discuss that later sort of thing and see what the gut is. Yeah. There we Just just wondering about the fees. Have the fees gone up? Have they? Or Yeah. It just says here that a fixed dollar ongoing number Member advice fee here is $3,293. Okay. Okay. Got it. Okay. Yep. Yep. Yep. Okay. I don't understand. Okay. Alrighty. Hey. Good. Good. Okay. Yep. Oh, okay. Yeah. It makes sense. Yeah. No other tool. Yep. I understand now. Yeah. Yeah. That's alright. That's alright. No worries. Okay. Okay. No worries. That's it. Yeah. It sure is. Okay. It's it's loading now. So Okay. That one's good. Yep. All good. Thanks. And this it just been now. Sorry. That's right. No other call. Thanks very much for your call. Appreciate that. Okay. That'll be great. Thanks. Okay. No worries. Well, thanks so much for that. Appreciate it. Yep. You too. Okay. Thanks very much. Okay. 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Good. Thanks. Yourself? Yes.\n\nNo worries. That's all good. Thanks. Oh, that's alright. No worries.\n\nAll good. Yeah. No worries at all. All good. Yeah.\n\nIt's all good. Yes. No worries at all. Okay. That's alright.\n\nI should have a look. Yeah. That's right. Yeah. It hasn't come through yet.\n\nYep. No worries at all. Yep. That's fine. Thanks.\n\nYes. It's Donald. 16th Of 970 And 20 McLaughlin Street, Orange, New South Wales. At the moment, very cold. It's not very nice at all.\n\nAlright. Okay. It's very cold. We had some nice sunny days earlier sort of thing, like, the frost and that, but now it's so rainy and overcast and windy and yeah, very cold. Yeah.\n\nYeah. It's been pouring. Yeah. I think so for the farmers and that too, apparently. So yeah.\n\nI'll just have a look. Well, he beguard. Yes. Yes. Hey.\n\nHow's it going? Probably good? Yeah. Just just just just damn loud enough for me. Okay.\n\nOkay. Here we go. Yeah. Yeah. Yeah.\n\nThe supervisor summary. Yeah. It tastes very good, dear. Yeah. Okay.\n\nYep. Let's get that one. Okay. Here we go. Alright.\n\nOh, good question. I'm not sure now. You want to post that to me again. Yeah. Go ahead.\n\nOkay. Okay. Yep. Alright. Yep.\n\nOkay. Okay. Yep. Yep. That's alright.\n\nOkay. Okay. Oh, yeah. Yeah. My way.\n\nThat's for sure. Yeah. Yeah. That's right. I'm just checking out the chart.\n\nNow the index chart there, it's up and down in that like, you know. Well, that's right. Yeah. Well, Yeah. That's okay.\n\nYeah. Okay. Yes. It that's my sense. Yeah.\n\nYeah. Yes. Yes. Probably when I'm 60. Yeah.\n\nThat's a point. No. That's that's that's not five years away. So Pretty happy, really, like, you know? Yes.\n\nI just think it's it'll it'll come in handy. Very handy, I reckon. Probably things away there now for a while, I suppose, and just give them another six months and see how we go and yeah. That month to go. Yeah.\n\nMhmm. Okay. I probably I probably just I probably wouldn't retire at 60. I'd just probably get a just withdraw a certain percentage out of my super and and go to 67 or something or or depends on the situation, I suppose, at the time. Yeah.\n\nThat's right. Probably about about four. Yeah. No. No.\n\nNo. It's kinda hard to say, really. Like, I'm not sure how long this was gonna get when I was there in America and that that that that might be all finished in another, what, twelve months or something. It's hard to say, but that doesn't help the economy and that sort of thing. So, yeah, sad to say, really.\n\nYes. Yes. I probably I probably would. Yeah. I probably would just give it a go and, you know, I suppose it pays to take some risk sort of thing.\n\nLike, you got you gotta have a bit of a go, I suppose. Yeah. You just don't know who it was. Yeah. Okay.\n\nYep. Yeah. Okay. That sounds good. That sounds good.\n\nYep. Yep. Hello? My two sons. That's correct.\n\nYes. That's correct. Yes. It's just it's just my two sons. Yeah.\n\nMy mom passed away last last year, unfortunately. So, yeah, that's okay. Yeah. So it's just my two sons now. Okay.\n\nYep. Yeah. If you can send me another form, yeah, that'd be great. I'll just fill it out and send it back to you. That'd be great.\n\nThanks. Yeah. Yeah. Alright. Thank you.\n\nYep. That's right. Yes. What? Well, okay.\n\nThat's that's that's sounds good. Yes. That sounds good. Yes. Okay.\n\nYep. No worries. Okay. No worries. That's all we'll do.\n\nYep. Oh, that's okay. Thank you. Yeah. Not at the moment.\n\nNo. No. Sort of. Yeah. Sort of would be.\n\nYeah. Not at the moment. No. Probably probably later on, though. If a little bit later on.\n\nYeah. Okay. No. No. I might talk about about six months of the phone.\n\nProbably in the next six months, I probably will. Yeah. That's right. Yes. Yes.\n\nYes. I do. Yes. Yep. I've got about three hundred hours at the moment, I believe.\n\nThat's right. Yeah. It'll come in handy. Okay. Okay.\n\nYep. Okay. That's right. It is would you would you be able to send me some information about them? Rather than check them out and have a bit of a read and okay.\n\nOkay. If you want two years, that'd be great too. Okay. Not not the moment. No.\n\nNo. Not at the moment. No. No. But I'll pop I'll I'll probably will think about that later on and get back to you sort of thing.\n\nYeah. Yeah. That's right. Yeah. That's what I did.\n\nYeah. That'd be great. Thanks. Yeah. We'll we'll talk about that, and we'll talk to you later.\n\nOkay. I'm saving I'm I'm saving a bit of money, but it doesn't cost a little bit on that sort of stuff kinda. You know? Trying to spend in the work sort of thing. But, yeah, I'm saving a little bit of money, but not a great deal sort of thing.\n\nBut Sometimes a $100, sometimes 150, sometimes 80. It it varies on the on the week sort of thing. Yeah. Yeah. Just be over yeah.\n\nJust another account. That's all. Probably about a bit over grand sort of thing. Just a ute, Fair and ute. We need about that, about $5.06, probably about that too.\n\nI've got another one now. Yeah. It's a different one, but yeah. This one's about 20,000. This is not very old at all.\n\nIt's a Yamaha 700. It's a '25 model. In the summertime, I do. Yeah. Yeah.\n\nI take the work at that and drive around the weekends, that sort of thing. No. I'm just pulling that off at the moment. Oh, I just started probably I don't know, to tell you the truth. About 20,000.\n\nAbout twenty thousand. Yeah. Yeah. I'm not sure what's on the at the moment. At the moment, about the same.\n\nYeah. Yeah. Yeah. Spreading. Yes.\n\nIf it fits, yes. Three 60. That's per week. Yes. No.\n\nNo. No. Not at the moment. I don't know. I'd probably say 45, I suppose.\n\nThat's alright. Yeah. That's right. No. Not the moment.\n\nNo. I haven't got one yet. Let's see. Mhmm. Yeah.\n\nThat's right. Yeah. That's right. Yeah. That's right.\n\nYep. Okay. Okay. Alright. My wife's yep.\n\nIt feels good. That's right. Yes. Not at the moment. No.\n\nEnough at the moment. No. Almost sure to hear the truth. That's why you just think about it. Oh, yes.\n\nYeah. Yeah. Yeah. I'm not sure at the moment. So yeah.\n\nYeah. Probably the air beer. The travel would be nice. That'd be nice. I went to the countryside and go overseas and sort of thing.\n\nYeah. Yeah. Righty. Yeah. I'll I'll I'll talk about that too.\n\nYeah. I'll I'll think about that and and, yeah, I'll I'll think about that one, and we'll discuss that later sort of thing and see what the gut is. Yeah. There we Just just wondering about the fees. Have the fees gone up?\n\nHave they? Or Yeah. It just says here that a fixed dollar ongoing number Member advice fee here is $3,293. Okay. Okay.\n\nGot it. Okay. Yep. Yep. Yep.\n\nOkay. I don't understand. Okay. Alrighty. Hey.\n\nGood. Good. Okay. Yep. Oh, okay.\n\nYeah. It makes sense. Yeah. No other tool. Yep.\n\nI understand now. Yeah. Yeah. That's alright. That's alright.\n\nNo worries. Okay. Okay. No worries. That's it.\n\nYeah. It sure is. Okay. It's it's loading now. So Okay.\n\nThat one's good. Yep. All good. Thanks. And this it just been now.\n\nSorry. That's right. No other call. Thanks very much for your call. Appreciate that.\n\nOkay. That'll be great. Thanks. Okay. No worries.\n\nWell, thanks so much for that. Appreciate it. Yep. You too. Okay.\n\nThanks very much. Okay. Bye now.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.1599998,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.02806614153087139},{"text":"Good.","start":7.7599998,"end":8.16,"sentiment":"positive","sentiment_score":0.5197197198867798},{"text":"Thanks.","start":8.16,"end":8.4,"sentiment":"positive","sentiment_score":0.5701323747634888},{"text":"Yourself?","start":8.4,"end":8.9,"sentiment":"positive","sentiment_score":0.3595867156982422},{"text":"Yes.","start":16.185,"end":16.425,"sentiment":"neutral","sentiment_score":0.1898709237575531}],"sentiment":"positive","sentiment_score":0.33347517512738706,"num_words":5,"start":2.1599998,"end":16.425},{"sentences":[{"text":"No worries.","start":16.425,"end":16.825,"sentiment":"neutral","sentiment_score":0.15446500480175018},{"text":"That's all good.","start":16.825,"end":17.465,"sentiment":"neutral","sentiment_score":0.3048301140467326},{"text":"Thanks.","start":17.465,"end":17.965,"sentiment":"neutral","sentiment_score":0.3151615262031555},{"text":"Oh, that's alright.","start":24.985,"end":25.625,"sentiment":"neutral","sentiment_score":-0.06151634703079859},{"text":"No worries.","start":25.625,"end":26.365,"sentiment":"neutral","sentiment_score":-0.020252441056072712}],"sentiment":"neutral","sentiment_score":0.11941163224930113,"num_words":11,"start":16.425,"end":26.365},{"sentences":[{"text":"All good.","start":26.585,"end":27.36,"sentiment":"neutral","sentiment_score":0.12439924851059914},{"text":"Yeah.","start":35.92,"end":36.16,"sentiment":"neutral","sentiment_score":0.04176652431488037},{"text":"No worries at all.","start":36.16,"end":36.88,"sentiment":"neutral","sentiment_score":0.06970189791172743},{"text":"All good.","start":36.88,"end":37.54,"sentiment":"neutral","sentiment_score":0.22887421399354935},{"text":"Yeah.","start":49.135002,"end":49.375,"sentiment":"neutral","sentiment_score":0.2167663276195526}],"sentiment":"neutral","sentiment_score":0.12438873685896397,"num_words":10,"start":26.585,"end":49.375},{"sentences":[{"text":"It's all good.","start":49.375,"end":50.095,"sentiment":"neutral","sentiment_score":0.29379239678382874},{"text":"Yes.","start":50.095,"end":50.415,"sentiment":"neutral","sentiment_score":0.12592241168022156},{"text":"No worries at all.","start":50.415,"end":51.45,"sentiment":"neutral","sentiment_score":0.11034597270190716},{"text":"Okay.","start":62.010002,"end":62.510002,"sentiment":"neutral","sentiment_score":0.13242509961128235},{"text":"That's alright.","start":65.13,"end":65.95,"sentiment":"neutral","sentiment_score":0.18121720105409622}],"sentiment":"neutral","sentiment_score":0.17668572677807373,"num_words":11,"start":49.375,"end":65.95},{"sentences":[{"text":"I should have a look.","start":66.285,"end":74.865005,"sentiment":"neutral","sentiment_score":0.13344728853553534},{"text":"Yeah.","start":78.925,"end":79.165,"sentiment":"neutral","sentiment_score":0.007047131657600403},{"text":"That's right.","start":79.165,"end":79.805,"sentiment":"neutral","sentiment_score":0.027810536324977875},{"text":"Yeah.","start":79.805,"end":80.305,"sentiment":"neutral","sentiment_score":-0.001140734180808067},{"text":"It hasn't come through yet.","start":80.79,"end":82.25,"sentiment":"neutral","sentiment_score":-0.03658487387001515}],"sentiment":"neutral","sentiment_score":0.03898853881816779,"num_words":14,"start":66.285,"end":82.25},{"sentences":[{"text":"Yep.","start":91.11,"end":91.43,"sentiment":"neutral","sentiment_score":0.029819143936038017},{"text":"No worries at all.","start":91.43,"end":92.15,"sentiment":"neutral","sentiment_score":-0.006667038658633828},{"text":"Yep.","start":92.15,"end":92.47,"sentiment":"neutral","sentiment_score":0.09874384850263596},{"text":"That's fine.","start":92.47,"end":93.51,"sentiment":"positive","sentiment_score":0.3511120676994324},{"text":"Thanks.","start":93.51,"end":93.855,"sentiment":"positive","sentiment_score":0.4344015419483185}],"sentiment":"neutral","sentiment_score":0.1376133905723691,"num_words":9,"start":91.11,"end":93.855},{"sentences":[{"text":"Yes.","start":99.935005,"end":100.255005,"sentiment":"neutral","sentiment_score":0.10560715198516846},{"text":"It's Donald.","start":100.255005,"end":100.915,"sentiment":"neutral","sentiment_score":0.06758954003453255},{"text":"16th Of 970 And 20 McLaughlin Street, Orange, New South Wales.","start":101.855,"end":106.5,"sentiment":"neutral","sentiment_score":0.045441688588735735},{"text":"At the moment, very cold.","start":110.5,"end":112.04,"sentiment":"neutral","sentiment_score":-0.07558441497385501},{"text":"It's not very nice at all.","start":114.34,"end":115.96,"sentiment":"negative","sentiment_score":-0.6671607693036398}],"sentiment":"neutral","sentiment_score":-0.14560967536643146,"num_words":25,"start":99.935005,"end":115.96},{"sentences":[{"text":"Alright.","start":121.915,"end":122.235,"sentiment":"neutral","sentiment_score":0.03754090145230293},{"text":"Okay.","start":122.235,"end":122.735,"sentiment":"neutral","sentiment_score":0.062163904309272766},{"text":"It's very cold.","start":125.195,"end":126.075,"sentiment":"neutral","sentiment_score":-0.20386101802190146},{"text":"We had some nice sunny days earlier sort of thing, like, the frost and that, but now it's so rainy and overcast and windy and yeah, very cold.","start":126.075,"end":138.85,"sentiment":"neutral","sentiment_score":-0.003122226268585239},{"text":"Yeah.","start":138.85,"end":139.17,"sentiment":"neutral","sentiment_score":0.01000654138624668}],"sentiment":"neutral","sentiment_score":-0.017332177718772608,"num_words":34,"start":121.915,"end":139.17},{"sentences":[{"text":"Yeah.","start":139.17,"end":139.41,"sentiment":"neutral","sentiment_score":0.00981130264699459},{"text":"It's been pouring.","start":139.41,"end":140.37,"sentiment":"neutral","sentiment_score":0.019423809523383778},{"text":"Yeah.","start":140.37,"end":140.87,"sentiment":"neutral","sentiment_score":0.060464948415756226},{"text":"I think so for the farmers and that too, apparently.","start":144.61,"end":147.11,"sentiment":"neutral","sentiment_score":0.261311674118042},{"text":"So yeah.","start":147.17,"end":150.49501,"sentiment":"neutral","sentiment_score":0.08797260373830795}],"sentiment":"neutral","sentiment_score":0.17162409578176105,"num_words":17,"start":139.17,"end":150.49501},{"sentences":[{"text":"I'll just have a look.","start":153.035,"end":154.255,"sentiment":"neutral","sentiment_score":0.024211274832487105},{"text":"Well, he beguard.","start":162.16,"end":163.12001,"sentiment":"neutral","sentiment_score":-0.049206422020991646},{"text":"Yes.","start":163.12001,"end":163.52,"sentiment":"neutral","sentiment_score":0.019250450655817986},{"text":"Yes.","start":163.52,"end":164.02,"sentiment":"neutral","sentiment_score":0.01934530772268772},{"text":"Hey.","start":183.13501,"end":183.295,"sentiment":"neutral","sentiment_score":0.12035947293043137}],"sentiment":"neutral","sentiment_score":0.012035667218945244,"num_words":11,"start":153.035,"end":183.295},{"sentences":[{"text":"How's it going?","start":183.295,"end":184.195,"sentiment":"neutral","sentiment_score":0.10837622980276744},{"text":"Probably good?","start":184.575,"end":185.475,"sentiment":"neutral","sentiment_score":0.13203460723161697},{"text":"Yeah.","start":198.19,"end":198.69,"sentiment":"neutral","sentiment_score":0.028711292892694473},{"text":"Just just just just damn loud enough for me.","start":198.75,"end":202.515,"sentiment":"neutral","sentiment_score":0.00797928124666214},{"text":"Okay.","start":204.515,"end":205.015,"sentiment":"neutral","sentiment_score":0.07856929302215576}],"sentiment":"neutral","sentiment_score":0.04801825131289661,"num_words":16,"start":183.295,"end":205.015},{"sentences":[{"text":"Okay.","start":208.435,"end":208.83499,"sentiment":"neutral","sentiment_score":0.07927481830120087},{"text":"Here we go.","start":208.83499,"end":209.395,"sentiment":"neutral","sentiment_score":0.08680232614278793},{"text":"Yeah.","start":209.395,"end":209.635,"sentiment":"neutral","sentiment_score":0.06695234030485153},{"text":"Yeah.","start":209.635,"end":209.715,"sentiment":"neutral","sentiment_score":0.06938818842172623},{"text":"Yeah.","start":209.715,"end":209.875,"sentiment":"neutral","sentiment_score":0.0877358615398407}],"sentiment":"neutral","sentiment_score":0.08053688385656901,"num_words":7,"start":208.435,"end":209.875},{"sentences":[{"text":"The supervisor summary.","start":209.875,"end":211.015,"sentiment":"neutral","sentiment_score":0.18142935633659363},{"text":"Yeah.","start":233.505,"end":233.665,"sentiment":"positive","sentiment_score":0.6997184753417969},{"text":"It tastes very good, dear.","start":233.665,"end":235.045,"sentiment":"positive","sentiment_score":0.733549177646637},{"text":"Yeah.","start":248.56,"end":248.88,"sentiment":"neutral","sentiment_score":0.04354348033666611},{"text":"Okay.","start":248.88,"end":249.28,"sentiment":"neutral","sentiment_score":0.06683288514614105}],"sentiment":"positive","sentiment_score":0.45655716346068814,"num_words":11,"start":209.875,"end":249.28},{"sentences":[{"text":"Yep.","start":249.28,"end":249.78,"sentiment":"neutral","sentiment_score":0.0899471566081047},{"text":"Let's get that one.","start":250.48001,"end":251.655,"sentiment":"neutral","sentiment_score":0.081824641674757},{"text":"Okay.","start":260.695,"end":261.01498,"sentiment":"neutral","sentiment_score":0.07432901859283447},{"text":"Here we 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alright.","start":430.365,"end":431.105,"sentiment":"positive","sentiment_score":0.5302426815032959}],"sentiment":"positive","sentiment_score":0.35213692237933475,"num_words":6,"start":407.905,"end":431.105},{"sentences":[{"text":"Okay.","start":471.77002,"end":472.27002,"sentiment":"neutral","sentiment_score":-0.13751615583896637},{"text":"Okay.","start":485.865,"end":486.345,"sentiment":"neutral","sentiment_score":-0.10605266690254211},{"text":"Oh, yeah.","start":486.345,"end":487.065,"sentiment":"neutral","sentiment_score":-0.019060992635786533},{"text":"Yeah.","start":487.065,"end":487.305,"sentiment":"neutral","sentiment_score":0.00817699171602726},{"text":"My way.","start":487.305,"end":487.965,"sentiment":"neutral","sentiment_score":0.01244531199336052}],"sentiment":"neutral","sentiment_score":-0.035517598901476176,"num_words":7,"start":471.77002,"end":487.965},{"sentences":[{"text":"That's for sure.","start":488.905,"end":489.625,"sentiment":"neutral","sentiment_score":0.043437244991461434},{"text":"Yeah.","start":489.625,"end":490.125,"sentiment":"neutral","sentiment_score":0.11541236937046052},{"text":"Yeah.","start":517.315,"end":517.47504,"sentiment":"neutral","sentiment_score":-0.04079022258520126},{"text":"That's right.","start":517.47504,"end":518.295,"sentiment":"neutral","sentiment_score":0.02944193163421005},{"text":"I'm just checking out the chart.","start":518.355,"end":519.715,"sentiment":"neutral","sentiment_score":0.03468921283880869}],"sentiment":"neutral","sentiment_score":0.03630407862007045,"num_words":13,"start":488.905,"end":519.715},{"sentences":[{"text":"Now the index chart there, it's up and down in that like, you know.","start":519.715,"end":524.36,"sentiment":"neutral","sentiment_score":0.0061081212812236375},{"text":"Well, that's right.","start":567.16504,"end":568.205,"sentiment":"neutral","sentiment_score":0.0363957534233729},{"text":"Yeah.","start":568.205,"end":568.525,"sentiment":"neutral","sentiment_score":0.08173646777868271},{"text":"Well, Yeah.","start":568.525,"end":577.1,"sentiment":"neutral","sentiment_score":0.04049652814865112},{"text":"That's okay.","start":577.1,"end":577.74,"sentiment":"neutral","sentiment_score":0.04257284477353096}],"sentiment":"neutral","sentiment_score":0.020117098719558933,"num_words":22,"start":519.715,"end":577.74},{"sentences":[{"text":"Yeah.","start":577.74,"end":578.24,"sentiment":"neutral","sentiment_score":0.026218926534056664},{"text":"Okay.","start":602.78,"end":603.28,"sentiment":"neutral","sentiment_score":-0.012280186638236046},{"text":"Yes.","start":603.42004,"end":603.92004,"sentiment":"neutral","sentiment_score":-0.08705154061317444},{"text":"It that's my 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time.","start":808.77997,"end":821.92,"sentiment":"neutral","sentiment_score":-0.0395102581824176},{"text":"Yeah.","start":828.52496,"end":829.02496,"sentiment":"neutral","sentiment_score":0.1460658460855484}],"sentiment":"neutral","sentiment_score":-0.06774934409591167,"num_words":46,"start":778.925,"end":829.02496},{"sentences":[{"text":"That's right.","start":830.045,"end":830.945,"sentiment":"neutral","sentiment_score":0.3292236030101776},{"text":"Probably about about 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unfortunately.","start":1103.06,"end":1106.28,"sentiment":"neutral","sentiment_score":-0.32604282535612583},{"text":"So, yeah, that's okay.","start":1106.5,"end":1109.9401,"sentiment":"neutral","sentiment_score":-0.10043399594724178},{"text":"Yeah.","start":1109.9401,"end":1110.4401,"sentiment":"neutral","sentiment_score":-0.01833820343017578},{"text":"So it's just my two sons now.","start":1110.7401,"end":1112.68,"sentiment":"neutral","sentiment_score":-0.017076798315559114},{"text":"Okay.","start":1119.3949,"end":1119.8949,"sentiment":"neutral","sentiment_score":0.17867720127105713}],"sentiment":"neutral","sentiment_score":-0.1413941512860003,"num_words":21,"start":1103.06,"end":1119.8949},{"sentences":[{"text":"Yep.","start":1125.7949,"end":1126.2949,"sentiment":"neutral","sentiment_score":0.0932418331503868},{"text":"Yeah.","start":1129.32,"end":1129.4,"sentiment":"neutral","sentiment_score":0.22782786190509796},{"text":"If you can send me another form, yeah, that'd be 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now.","start":2572.93,"end":2573.67,"sentiment":"neutral","sentiment_score":0.13816218823194504}],"sentiment":"positive","sentiment_score":0.3605344345172246,"num_words":6,"start":2570.0498,"end":2573.67}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Donald. It's Zaina from OQ Financial. How are you this afternoon?\n\nChannel 1: Good. Thanks. Yourself?\n\nChannel 0: I'm very well. Thank you. Thank you for asking. I had you booked in to go through your annual review today. Is now still a good\n\nChannel 1: Yes. No worries. That's all\n\nChannel 0: time\n\nChannel 1: good.\n\nChannel 0: there\n\nChannel 1: Thanks.\n\nChannel 0: for you? Oh, fantastic. I do apologize. Been a little bit late on that one. I just was running a little bit late this afternoon, so I am very sorry for\n\nChannel 1: Oh, that's\n\nChannel 0: calling\n\nChannel 1: alright.\n\nChannel 0: you a\n\nChannel 1: No\n\nChannel 0: bit later.\n\nChannel 1: worries. All good.\n\nChannel 0: All good. Donald, before we jump into the call, just to let you know, would you record our calls for quality and training purposes? Are you happy for us to proceed with that?\n\nChannel 1: Yeah. No worries at all. All good.\n\nChannel 0: Yep. Fantastic. And we also do normally email or send through a copy of some review documents to you to kinda go through with us. Do you have access to your emails at the moment? If you don't, that's honestly okay.\n\nChannel 1: Yeah. It's all good. Yes. No worries at all.\n\nChannel 0: Fantastic. I'm just gonna send press send on this email for you if you're able to jump into your emails there. It'll come through from.\n\nChannel 1: Okay.\n\nChannel 0: All good.\n\nChannel 1: That's alright. I should have\n\nChannel 0: Hopefully, it comes through\n\nChannel 1: a\n\nChannel 0: fairly quickly there for you. Just press send on that one.\n\nChannel 1: look.\n\nChannel 0: If technology lacks us, that is, isn't it?\n\nChannel 1: Yeah. That's right. Yeah. It\n\nChannel 0: All\n\nChannel 1: hasn't\n\nChannel 0: good.\n\nChannel 1: come\n\nChannel 0: Now\n\nChannel 1: through\n\nChannel 0: well,\n\nChannel 1: yet.\n\nChannel 0: that's okay. Now while that is coming through, I do have to let you know moving forward throughout the call, we do record our calls for quality and training purposes. Are you happy for me to proceed with that through the\n\nChannel 1: Yep.\n\nChannel 0: annual\n\nChannel 1: No\n\nChannel 0: review?\n\nChannel 1: worries at all. Yep. That's\n\nChannel 0: Fantastic.\n\nChannel 1: fine. Thanks.\n\nChannel 0: Excellent. And just to do security with you as well, just to confirm, your full name, your date of birth, and address I should have on file\n\nChannel 1: Yes.\n\nChannel 0: there.\n\nChannel 1: It's Donald. 16th Of 970 And 20\n\nChannel 0: Beautiful.\n\nChannel 1: McLaughlin Street, Orange, New South Wales.\n\nChannel 0: Fantastic. And how cold is it down in Orange there at the\n\nChannel 1: At the moment, very\n\nChannel 0: moment?\n\nChannel 1: cold.\n\nChannel 0: Oh, yuck.\n\nChannel 1: It's not very nice at all.\n\nChannel 0: No. No. Look. I understand your weather quite well. My husband's family are from Young, so I'm\n\nChannel 1: Alright. Okay.\n\nChannel 0: well at best in your kind of weather.\n\nChannel 1: It's very cold. We had some nice sunny days earlier sort of thing, like, the frost and that, but now\n\nChannel 0: Yeah.\n\nChannel 1: it's\n\nChannel 0: Yeah.\n\nChannel 1: so rainy and overcast and windy and yeah, very\n\nChannel 0: Oh. Oh, wow. It was raining. You got a bit of rain down there. Is that\n\nChannel 1: cold.\n\nChannel 0: well\n\nChannel 1: Yeah.\n\nChannel 0: needed\n\nChannel 1: Yeah.\n\nChannel 0: at\n\nChannel 1: It's\n\nChannel 0: the moment?\n\nChannel 1: been pouring. Yeah.\n\nChannel 0: Yep. Wow. Well, hopefully, it's well needed. All\n\nChannel 1: I think\n\nChannel 0: good.\n\nChannel 1: so for the farmers and that too, apparently.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Absolutely. Now\n\nChannel 1: yeah.\n\nChannel 0: has that email popped through to you there at\n\nChannel 1: I'll\n\nChannel 0: the moment\n\nChannel 1: just have\n\nChannel 0: at\n\nChannel 1: a look.\n\nChannel 0: all or as yet? You're right. If it hasn't come into your inbox, just double check your junk mail as well. Sometimes I do get sent through to junk\n\nChannel 1: Well, he beguard. Yes. Yes.\n\nChannel 0: mail. There we go. Fantastic. Now when you open that one up, it will have a little button that says sign or click to sign here. I won't get you to click that one just yet if possible.\n\nIf you can just scroll down to the bottom, there'll be a couple of attachments there for you, and one of those will have your superannuation, a summary of super and insurance. It should be\n\nChannel 1: Hey. How's\n\nChannel 0: the heading.\n\nChannel 1: it going? Probably good?\n\nChannel 0: Yeah. Is that opening up there\n\nChannel 1: Yeah.\n\nChannel 0: for you?\n\nChannel 1: Just just just just damn loud enough for me.\n\nChannel 0: No. That's okay. You're\n\nChannel 1: Okay.\n\nChannel 0: fine.\n\nChannel 1: Okay. Here we go. Yeah. Yeah. Yeah.\n\nThe supervisor summary.\n\nChannel 0: Fantastic. So that one there is giving you an update on your super balance. So when I have a look back at your annual review last year, your super balance back then, we had a $156,084.50 there. So looking forward, we're up to a 189,521 and 5¢ there. So we have seen a good increase in your super balance.\n\nChannel 1: Yeah. It tastes very good, dear.\n\nChannel 0: Yeah. Well, we have a bit of a look at how everything has performed investment wise. And if you wanted to, if you're able to if you go back to the email, we've also got the Netwealth Asset Performance Report attached there if you wanted to open that one up as\n\nChannel 1: Yeah.\n\nChannel 0: well.\n\nChannel 1: Okay. Yep.\n\nChannel 0: That's\n\nChannel 1: Let's\n\nChannel 0: okay.\n\nChannel 1: get\n\nChannel 0: You're\n\nChannel 1: that one.\n\nChannel 0: fine. Yeah.\n\nChannel 1: Okay. Here we go.\n\nChannel 0: Yep. Beautiful. So that one there is giving you an update on all the investments in within your super fund there. So within net worth, I'll be everything generally has been working quite well. One\n\nChannel 1: Alright.\n\nChannel 0: of the things I did sort of notice, and I'm not sure if you remember receiving this or not, but around about March this year, we sent through an email with an updated record of advice just to and note some changes that we were making to your portfolio. Do you remember receiving that email there at all?\n\nChannel 1: Oh, good question. I'm not sure now.\n\nChannel 0: That's okay.\n\nChannel 1: You want\n\nChannel 0: Essentially\n\nChannel 1: to post that to me again. Yeah.\n\nChannel 0: no. That's okay. More than happy to send it through to you again. Essentially, with that email there, we had sort of noticed that this year that one of your underlying investments wasn't performing as well as we sort of would like. So, originally, within your portfolio, you had an investment called Ben along Australian Equities.\n\nChannel 1: Go\n\nChannel 0: That investment, to give you a bit of a breakdown, is a managed fund. It's an actively managed fund. So the investment\n\nChannel 1: ahead.\n\nChannel 0: manager is meant to be trying to outperform against the market, but they haven't been able to do so. And some of their underlying investments have had a few issues. So we decided we didn't want you in anything underperforming. So we sold that investment and moved you out of it, and we've put you\n\nChannel 1: Okay.\n\nChannel 0: into the beta shares a 200. So if you look at your on that performance report, you should see cash, then alternative investments, which shows physical gold, and underneath that, you'll have the Australian equities investments.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. The banner long shows that we had sold that out completely, and we moved you into the a 200, which is the beta shares a 200. One of the main reasons for moving you into that investment was for greater diversification. So within the Bennelong managed fund there, they actually only hold generally between 15 to 25 different investment options, whereas the a 200 is giving you exposure to the top 200 companies\n\nChannel 1: Alright.\n\nChannel 0: on the\n\nChannel 1: Yep.\n\nChannel 0: ASX. So it is helping to provide greater diversification, which is good, but it has also performed greater. It's also more of a passively managed fund as well. So instead of having an active manager, it's trying to outperform against the market and time the market. The beta shares a 200 is more passively managed with tracking an in an index, the top 200 companies on the ASX and the industries that goes along with that.\n\nSo it's helping to lower your overall risk of the of the portfolio as well. And so far,\n\nChannel 1: Okay.\n\nChannel 0: it has definitely performed really well and nicely. When we sort of look at how that plus everything else has gone over the past sort of twelve months there, your portfolio, if you look at the second page of that, on the very bottom line, it shows you're up by 8.36% net of fees, so after fees\n\nChannel 1: Okay.\n\nChannel 0: for the\n\nChannel 1: Yep.\n\nChannel 0: year.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. That is\n\nChannel 1: That's\n\nChannel 0: a good\n\nChannel 1: alright.\n\nChannel 0: return. Yeah. And, look, with the portfolio, you're you're in more of that high growth environment there. So that's where you're sort of seeing 90% of your super invested in those higher risk investments. Think about things like Australian and international shares, listed property and commodities there.\n\nSo you are taking on a little bit more risk in the market to obtain greater potential returns in this high growth environment and sort of hoping you're tracking to try and achieve about eight to 10% on a yearly basis as an average and compounding that forward. So in a high growth environment, anything over, say, 10% means your portfolio is overperforming and doing extremely well. Anything\n\nChannel 1: Okay.\n\nChannel 0: under that 8% is essentially an underperformance there. So the fact that you've received that 8.36 as a net return, it's within that range that we're sort of hoping for. And this year, you've probably seen on the news a lot of ups and downs with everything\n\nChannel 1: Okay.\n\nChannel 0: that's been\n\nChannel 1: Oh,\n\nChannel 0: happening\n\nChannel 1: yeah. Yeah.\n\nChannel 0: with\n\nChannel 1: My way.\n\nChannel 0: The US.\n\nChannel 1: That's for sure.\n\nChannel 0: So you\n\nChannel 1: Yeah.\n\nChannel 0: yeah. So your portfolio has still worked nicely. We've come out with an average return for the year. And at a time where we saw a lot of volatility as well, so the ups and downs this year had seen quite drastic changes in the market in short period of time. It's it always sort of when you're looking at the news, does come across and seem a lot worse than it is.\n\nGenerally, at the worst, we saw about a 3% drop there. But when you're in that sort of high growth environment, you feel those drops.\n\nChannel 1: Yeah. That's right. I'm just checking out\n\nChannel 0: Yeah.\n\nChannel 1: the chart. Now the index chart there, it's\n\nChannel 0: Yeah.\n\nChannel 1: up and down in that like, you know.\n\nChannel 0: Yeah. So that's the index chart, and that essentially shows you how different investments have reacted over time and why we invest the way we do. So looking at that chart there, if you think about the top investment, which is international equities, if you had to put, you know, 10,000 into that investment solely back there in 1995 and let it sit over the course of the last thirty years, it does show you a greater overall return. It's compounded a bit over 10% there and $1,010,000 to $214,000. But you can sort of see the ups and downs that you would have had to go through in that time frame, and you could imagine sitting through that over the course of thirty years.\n\nIt could be an emotional roller coaster.\n\nChannel 1: Well,\n\nChannel 0: So\n\nChannel 1: that's right. Yeah. Well,\n\nChannel 0: yeah. Yeah. So it's about making sure you're comfortable with the risk level you're taking to obtain the rewards that you're after as well. And as\n\nChannel 1: Yeah.\n\nChannel 0: you get\n\nChannel 1: That's\n\nChannel 0: closer\n\nChannel 1: okay.\n\nChannel 0: and closer\n\nChannel 1: Yeah.\n\nChannel 0: to as you get closer to accessing sleeper, we'll definitely start to wind back your risk level a bit. We'll probably just drop it back in 10% increments as we get closer and closer. That way, you're stepping down gradually. So when you get to those retirement years and start actually drawing an income out, that, you know, you've got you've got a lower risk. You've got a bit more income producing within your portfolio,\n\nChannel 1: Okay.\n\nChannel 0: that you're not\n\nChannel 1: Yes.\n\nChannel 0: not seeing those ups and downs as drastically. Does that make sense?\n\nChannel 1: It that's my sense. Yeah. Yeah.\n\nChannel 0: Yeah. Yeah. So, look, honestly, I'm very happy with how things have gone with your portfolio and your super fund at the moment. I would be probably not wanting to update things because we have just made the changes within your portfolio currently. It'd be worth just giving it maybe another six months and sort of sitting on things to see how it performs over the next six months and then maybe look at adjustments down the track.\n\nThat is in unison with your risk level. So if the only sort of reason I would wanna maybe look at making changes now is if you are finding that you wanna kinda pull back the risk level a little bit. And in looking at that, I sort of also wanted to check about your retirement goals and because having a look now, you're 56 next month. Is that right?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah. So when are you sort of hoping to be able to start accessing your super down the track and maybe retire? What's your goal like\n\nChannel 1: Probably\n\nChannel 0: that?\n\nChannel 1: when I'm 60.\n\nChannel 0: When you're 60? Yep.\n\nChannel 1: Yeah. That's a point. No. That's that's that's not five years away. So\n\nChannel 0: It is. Yeah. Definitely. So the other thing to sort of think about is the high growth portfolio because you are taking a bit more risk in the market. And when you look at that Vanguard index chart there, essentially, 90% in those high growth investments means you're 90% invested in US shares, Australian shares, international shares, and listed properties.\n\nSo you are taking a bit more risk, and we'll go through those sorts of ups and downs. A high growth portfolio normally suits someone who has at least eight years before they're planning to access their money. So if you are maybe wanting to access your super, I would be more inclined in the next five years, I'd be inclined to maybe start drawing back that risk level a little bit for you now and starting to reduce it back a little bit. Yeah. How do you sort of feel about that knowing that you're about five years away from wanting to access those funds?\n\nChannel 1: Pretty happy, really, like, you know? Yes. I just think it's it'll it'll come in handy. Very handy, I reckon.\n\nChannel 0: Yep. Yep. All good. So you would be comfortable with me maybe dropping back your risk cover a little bit and starting to pull you back a bit now?\n\nChannel 1: Probably things away there now for a while, I suppose, and\n\nChannel 0: Yeah.\n\nChannel 1: just give them another six months and see how we go\n\nChannel 0: Another\n\nChannel 1: and\n\nChannel 0: six months? Yep. Yep. That's\n\nChannel 1: yeah.\n\nChannel 0: absolutely fine. Yep. Not a problem. So another six months, and then we'll reevaluate the risk level for you.\n\nChannel 1: That month\n\nChannel 0: If in\n\nChannel 1: to\n\nChannel 0: the\n\nChannel 1: go.\n\nChannel 0: meantime\n\nChannel 1: Yeah.\n\nChannel 0: that's okay. If in the meantime, we see anything that kind of flags that we may need to maybe drop your risk level a little bit more, then I'll absolutely make sure I contact you to do so.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: If, say, the other thing to sort of think about is if were to, say, find the market took a big sort of dip, we saw a 20% drop over the next, say, one to two or three years, and it took a little bit longer for your portfolio to recover, would you be open to working longer than sixty, or would you still wanna retire at 60 knowing you're probably cementing some of those downtimes?\n\nChannel 1: I\n\nChannel 0: How\n\nChannel 1: probably\n\nChannel 0: do you feel about\n\nChannel 1: I\n\nChannel 0: that?\n\nChannel 1: probably just I probably wouldn't retire at 60. I'd just probably get a just withdraw a certain percentage out of my super and and go to 67 or something or\n\nChannel 0: Yep.\n\nChannel 1: or\n\nChannel 0: Okay.\n\nChannel 1: depends on the situation, I suppose, at the time.\n\nChannel 0: Yeah. Yeah. Perfect. So you would be comfortable to keep working longer to allow your portfolio time to recover in that instance.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That's right.\n\nChannel 0: Beautiful. Fantastic. The other thing I just wanted to sort of have a look at with your risk profiling questionnaire is just how you sort of see yourself when you think about risk levels. So when you think about risk between a number between one and five, five being the highest level of risk, all invested in equities, or one being the lowest, all sitting in cash. Where would you sort of fit yourself?\n\nDo you think yourself more in the middle\n\nChannel 1: Probably\n\nChannel 0: about\n\nChannel 1: about\n\nChannel 0: a three or\n\nChannel 1: about four.\n\nChannel 0: a four? Yep. Beautiful. That's okay. So a little bit low risk.\n\nYep. Yep. So not the lowest, but probably on that lower risk sort of scale. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Absolutely. And have you ever owned shares or investments in your own name before?\n\nChannel 1: No. No. No.\n\nChannel 0: Nope. That's okay. All good. And if the market did take a or if you saw your super balance fall over, say, the next six months or the next twelve months, how do you think you might be feeling? Are you feeling a bit optimistic about the investment opportunities available to you?\n\nAre you a bit cautious about the drop\n\nChannel 1: It's\n\nChannel 0: concerned\n\nChannel 1: kinda\n\nChannel 0: or feeling\n\nChannel 1: hard to\n\nChannel 0: a\n\nChannel 1: say,\n\nChannel 0: bit anxious?\n\nChannel 1: really. Like, I'm not sure how long this was gonna get when I was there in America and that that that that might be all finished in another, what, twelve months or something. It's hard to say, but that doesn't help the economy and that sort of thing.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So,\n\nChannel 0: No. That's\n\nChannel 1: yeah, sad to say, really.\n\nChannel 0: okay. Yeah. That's okay. All good. And how the last question I wanted to sort of ask is how much risk are you comfortable taking in order to obtain greater potential returns?\n\nDo you think you're comfortable taking on a higher level of risk to get the greater returns knowing that you could feel the downtime much greater? Are you probably\n\nChannel 1: Yes.\n\nChannel 0: in\n\nChannel 1: Yes.\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: middle\n\nChannel 1: probably\n\nChannel 0: there?\n\nChannel 1: I\n\nChannel 0: Or\n\nChannel 1: probably would.\n\nChannel 0: Yeah. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I probably\n\nChannel 0: Yep.\n\nChannel 1: would just\n\nChannel 0: Yep.\n\nChannel 1: give it a go and, you know, I suppose it pays to take some risk sort of thing. Like, you got you gotta have a bit\n\nChannel 0: Yeah.\n\nChannel 1: of a go, I suppose.\n\nChannel 0: Yep. Yep. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Not a problem. All good.\n\nChannel 1: You just don't\n\nChannel 0: Sales\n\nChannel 1: know who it was.\n\nChannel 0: Absolutely. Now having a look at that one there, you have scored as more of a growth investor. So you've kind of made mention to me that you are happy to stay in that high growth environment just for a little bit longer. I'm comfortable leaving you there for another six months. We'll come back and\n\nChannel 1: Yeah.\n\nChannel 0: review things. Just\n\nChannel 1: Okay.\n\nChannel 0: knowing that\n\nChannel 1: Yep.\n\nChannel 0: whilst you do have that five year time horizon\n\nChannel 1: Yeah.\n\nChannel 0: that you are comfortable working longer if you need to. And then we'll come back in six months' time. If I need to speak to you earlier, I'll make sure I do. But, otherwise, February will do a bit of a catch up, and we'll talk seriously about reducing your risk level and what that looks like moving forward for your portfolio and and for\n\nChannel 1: Okay.\n\nChannel 0: your retirement aspect. Does that sound okay?\n\nChannel 1: That sounds good. That sounds good.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Excellent. Now the other thing to sorta have a chat about is the insurances. So on that last document that you did have open, that was your insurance and super summary. It ran through the updated insurances that you do have within your, BT life insurance policy.\n\nChannel 1: Yep.\n\nChannel 0: To give you a bit of an idea with your life cover, so it pays out a lump sum benefit if you were to pass away, you're currently insured for about $86,906. So if you think about that level of cover, if you were to pass away today, I do not want it to happen, but if you were for hypothetical purposes to pass away today, your beneficiary could then receive your life insurance of the $80,189,521. So it means the total life cover paid to your beneficiary could be around about 276,426.\n\nChannel 1: Hello?\n\nChannel 0: Is that kind of how did you want that to be sort of paid out to you? Who's your beneficiary? How would you like that\n\nChannel 1: My\n\nChannel 0: to be\n\nChannel 1: two\n\nChannel 0: received?\n\nChannel 1: sons.\n\nChannel 0: And the two sons? Yep. Beautiful. I've got them noted down here for you as sorry. Is it Donnie and Sam?\n\nIs that right?\n\nChannel 1: That's correct. Yes.\n\nChannel 0: Yep. Beautiful. For 50% each to receive the\n\nChannel 1: That's\n\nChannel 0: the\n\nChannel 1: correct.\n\nChannel 0: insurance\n\nChannel 1: Yes.\n\nChannel 0: benefit. Yep. Yep. Beautiful. On your super, I have your super beneficiary noted down to be Donny has to receive 50%, Mary has to receive 25%, and Sam has to receive 25%.\n\nIs\n\nChannel 1: It's\n\nChannel 0: that\n\nChannel 1: just\n\nChannel 0: how you\n\nChannel 1: it's just my two sons. Yeah. My mom passed away last last year, unfortunately. So,\n\nChannel 0: Oh, I'm so sorry. And\n\nChannel 1: yeah,\n\nChannel 0: that was\n\nChannel 1: that's\n\nChannel 0: Marie.\n\nChannel 1: okay. Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: it's just my\n\nChannel 0: Okay.\n\nChannel 1: two sons now.\n\nChannel 0: Absolutely. So what we'll do if you're comfortable is we'll need to update that super beneficiary nominations. So\n\nChannel 1: Okay.\n\nChannel 0: are you happy with us pre filling that for you so to nominate 50% each to to Donnie and Sam?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yeah. If\n\nChannel 0: The\n\nChannel 1: you can\n\nChannel 0: DBN.\n\nChannel 1: send me another form, yeah, that'd be great. I'll just fill it out and send\n\nChannel 0: Yep.\n\nChannel 1: it back to you.\n\nChannel 0: Oops. Did you want us to pre fill the form as much as we can to make it easier, or are you happy just filling it out?\n\nChannel 1: That'd be great. Thanks. Yeah.\n\nChannel 0: Yeah. That's okay. We we're happy to prefill it out. I've got Sam and Donnie's details here so we can fill that out for you. You're\n\nChannel 1: Yeah.\n\nChannel 0: comfortable\n\nChannel 1: Alright.\n\nChannel 0: with 50\n\nChannel 1: Thank\n\nChannel 0: percent\n\nChannel 1: you. Yep.\n\nChannel 0: paid. That's okay. 50% paid each way. Is that right?\n\nChannel 1: That's right. Yes.\n\nChannel 0: Beautiful. And now the other thing to sort of confirm is with the beneficiary nominations, you have three types of nominations. The first one is nonbinding. Essentially, you're just telling the trustee this is what you want to happen, but on your passing, unfortunately, the super fund gets to make the decision as to whether they follow that or not.\n\nChannel 1: What?\n\nChannel 0: And non they have a nonlapsing sorry. A non they have a binding non lapsing. I apologize, which means you have to refill that format every three years, or we can do it non lapsing binding for you. So we'll fill it out now, place it on file, and it will never have to be updated unless you make that unless you wanna make that change. Which\n\nChannel 1: Well, okay.\n\nChannel 0: option\n\nChannel 1: That's\n\nChannel 0: would\n\nChannel 1: that's that's\n\nChannel 0: be\n\nChannel 1: sounds good. Yes.\n\nChannel 0: that sounds good? Yeah. Beautiful.\n\nChannel 1: That sounds good. Yes.\n\nChannel 0: Excellent. I'll have that form prefilled for you and sent to you. That way, you just need to sign it. Have two witnesses sign it as well. The witnesses\n\nChannel 1: Okay.\n\nChannel 0: just can't be the beneficiaries. So Sam and Donnie can't be the witnesses of that document. And if you've got, you know, a couple of neighbors, a relative, or someone else that can sign it with you,\n\nChannel 1: Yep.\n\nChannel 0: we'll\n\nChannel 1: No\n\nChannel 0: just\n\nChannel 1: worries.\n\nChannel 0: need you to have that witness sent back to us, and we'll have it applied and updated for you.\n\nChannel 1: Okay.\n\nChannel 0: Okay.\n\nChannel 1: No worries. That's all we'll do. Yep.\n\nChannel 0: Beautiful. And I'm so sorry for your loss.\n\nChannel 1: Oh, that's okay. Thank you. Yeah.\n\nChannel 0: That's alright. So when you think about that that 276 odd thousand of life cover paid out, is that are you comfortable with that amount? Did you wanna look at reviewing your life cover at all at the moment, or are you just happy with that?\n\nChannel 1: Not at the moment. No. No.\n\nChannel 0: No. That's okay. Beautiful. You've also got TBD, so total permanent disability cover. Do you know what TBD is, how that works?\n\nOr\n\nChannel 1: Sort of. Yeah.\n\nChannel 0: yep.\n\nChannel 1: Sort of would be.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: So TBD is a total permanent disability. So it's essentially paying out either a lump sum or an income stream if you're unable to ever go back to work again. The level of cover you have with BT Life is 86,906. So it means that in the event of claiming, that's how much you could claim on. If you are TBD, we can also try to claim against your super under the condition of release of incapacity.\n\nAre you fairly happy with that level of cover? Did you wanna look at reviewing that at all?\n\nChannel 1: Not at the moment. No.\n\nChannel 0: Or\n\nChannel 1: Probably probably\n\nChannel 0: yep.\n\nChannel 1: later on, though.\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: If a little bit later\n\nChannel 0: Not a\n\nChannel 1: on. Yeah.\n\nChannel 0: yep. That's absolutely fine. If you ever decide you wanna review that, let me know. Not a problem at all.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. I've also got down here. Now you don't have any other types of personal insurances like income protection or trauma. Has\n\nChannel 1: No.\n\nChannel 0: anyone ever\n\nChannel 1: No.\n\nChannel 0: spoken to you about those, or do you wanna look at understand what they are?\n\nChannel 1: I might\n\nChannel 0: Or\n\nChannel 1: talk about\n\nChannel 0: sorry.\n\nChannel 1: about six months of the phone. Probably in\n\nChannel 0: Six\n\nChannel 1: the\n\nChannel 0: months?\n\nChannel 1: next six months, I probably will.\n\nChannel 0: Yeah. Absolutely. With\n\nChannel 1: Yeah.\n\nChannel 0: your role now you're a butcher. Is that right?\n\nChannel 1: That's right. Yes.\n\nChannel 0: Fantastic. Do you have much in the way of sick leave, annual leave, holidays, or\n\nChannel 1: Yes.\n\nChannel 0: savings\n\nChannel 1: Yes.\n\nChannel 0: you can kinda\n\nChannel 1: I do.\n\nChannel 0: fall back\n\nChannel 1: Yes.\n\nChannel 0: on? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. How much leave do you sorta have accrued if you're aware?\n\nChannel 1: I've got about three hundred hours at the moment, I\n\nChannel 0: Okay.\n\nChannel 1: believe.\n\nChannel 0: Beautiful. So yeah. Beautiful. So in the event of not being able to go to work in the short term due to illness or injury, you'd have that 300 hours of leave to fall back\n\nChannel 1: That's\n\nChannel 0: on\n\nChannel 1: right.\n\nChannel 0: to provide\n\nChannel 1: Yeah.\n\nChannel 0: income.\n\nChannel 1: It'll come in\n\nChannel 0: Yep.\n\nChannel 1: handy.\n\nChannel 0: That's absolutely. Fantastic. Well, that's great. So your sleep is working really well. We'll give it another six months, and then we'll come back\n\nChannel 1: Okay.\n\nChannel 0: and review that together. You're happy with your insurances, so no changes to be made there at the moment.\n\nChannel 1: Okay. Yep.\n\nChannel 0: We'll come come back in six months and have a chat about that as well.\n\nChannel 1: Okay. That's right.\n\nChannel 0: Did did you just to kinda give you food for thought, did you want me to have any questions around what the insurances are, life, PPD, income protection, or trauma, what those sorts of insurances payout, how they payout? Did you have any around any of those at all? Or\n\nChannel 1: It is would you would you be able to send me some information about them?\n\nChannel 0: yeah. Yeah. I can\n\nChannel 1: Rather\n\nChannel 0: break\n\nChannel 1: than\n\nChannel 0: down\n\nChannel 1: check\n\nChannel 0: that.\n\nChannel 1: them out and have\n\nChannel 0: Yeah.\n\nChannel 1: a bit of a read and\n\nChannel 0: Absolutely. I can send out an email that breaks down what the different types of insurances\n\nChannel 1: okay.\n\nChannel 0: are, how what they can cover you for, how they are paid to give you food for thought, and then I'll break down what you have here in the life and TBD. And then\n\nChannel 1: Okay.\n\nChannel 0: you can always come back with additional questions if you need to. You can always come back if you wanna have a look at what those types of covers are, and we can always review those. You're not limited to one call a year. If want me to talk to you every few months and we come back and review things again, that's absolutely\n\nChannel 1: If you want\n\nChannel 0: fine.\n\nChannel 1: two years, that'd be great\n\nChannel 0: Yeah.\n\nChannel 1: too.\n\nChannel 0: Fantastic. I'll get that email out to you this afternoon so you've got that there for a bit of reading. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Fantastic. All good. Now I just also wanted to update a couple of details with you just to see if your circumstances has changed. So income wise, last time we caught up for your review, you were on about 50,000 per annum. Have you had any changes to income as your income increased?\n\nOr\n\nChannel 1: Not not the moment. No. No.\n\nChannel 0: no? That's okay. That's alright. So 50,000. Perfect.\n\nNow it looks like you're not making any additional contributions to super. Are you in a position to be able to make it, like, salary sacrifice or additional contributions to super, or you're sort of not wanting to at the moment? What's your thoughts\n\nChannel 1: Not at\n\nChannel 0: around\n\nChannel 1: the moment.\n\nChannel 0: that?\n\nChannel 1: No. No. But I'll\n\nChannel 0: Yep.\n\nChannel 1: pop I'll I'll probably will think about that later on\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Perfect.\n\nChannel 1: get back to you sort of thing.\n\nChannel 0: Yeah. That's fine. We can add that into the six month catch up if you like. That way, we can have a look at that.\n\nChannel 1: Yeah.\n\nChannel 0: Because, realistically, if you're wanting to retire in about five years, we wanna kinda give your super as much as a boost as we possibly can.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: I don't want you to be taking on too much risk right up into the day you retire. We do wanna pull that back. We can supplement, you know, reducing the risk with adding some additional contributions to help boost your super a bit further. So\n\nChannel 1: That's what I\n\nChannel 0: are\n\nChannel 1: did.\n\nChannel 0: are are you comfortable with me maybe including that in the February conversation for you?\n\nChannel 1: Yeah. That'd be great. Thanks. Yeah. We'll\n\nChannel 0: Yeah.\n\nChannel 1: we'll talk about that, and we'll\n\nChannel 0: Fantastic.\n\nChannel 1: talk\n\nChannel 0: In the\n\nChannel 1: to you\n\nChannel 0: meantime,\n\nChannel 1: later.\n\nChannel 0: it's yeah. In the meantime, it gives you something to think about, you know, what what you might be comfortable doing, how that might look for you, and we can all come back and have that conversation. Beautiful.\n\nChannel 1: Okay.\n\nChannel 0: Excellent. Are you finding with your your expenditure that you're putting savings away on a regular basis at the moment, or is all of your income going towards your expenses? How are you finding everything at the moment?\n\nChannel 1: I'm saving I'm I'm saving a bit of money, but\n\nChannel 0: Yep.\n\nChannel 1: it doesn't cost a little bit on that sort of stuff kinda. You know?\n\nChannel 0: Expensive. Yeah. Yep.\n\nChannel 1: Trying to spend in the work sort of thing. But, yeah, I'm saving a little bit of money, but not a great\n\nChannel 0: Yep.\n\nChannel 1: deal sort of thing. But\n\nChannel 0: That's okay. If you were to quantify what you're saving on a weekly basis, how much do you think you're managing to put away?\n\nChannel 1: Sometimes a $100, sometimes 150, sometimes 80. It it varies\n\nChannel 0: Okay.\n\nChannel 1: on the on the week sort of thing.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: And you have a dedicated savings account that you're popping it into?\n\nChannel 1: Yeah. Just be over yeah. Just another account. That's all.\n\nChannel 0: Yep. Beautiful. How much do you have in savings in that account at the moment?\n\nChannel 1: Probably about a\n\nChannel 0: 1,000. Yeah. Perfect.\n\nChannel 1: bit\n\nChannel 0: Excellent.\n\nChannel 1: over\n\nChannel 0: And\n\nChannel 1: grand\n\nChannel 0: just with your other assets,\n\nChannel 1: sort\n\nChannel 0: now I've got your\n\nChannel 1: of\n\nChannel 0: car. What kind of car do you drive\n\nChannel 1: thing.\n\nChannel 0: at the moment?\n\nChannel 1: Just a ute,\n\nChannel 0: Engine. Yep. Beautiful. We had a value on that last year of about 6,000. Would you still keep that value at about the same, or what would you value your vehicle\n\nChannel 1: Fair and\n\nChannel 0: at\n\nChannel 1: ute.\n\nChannel 0: now?\n\nChannel 1: We need about that, about $5.06, probably about that too.\n\nChannel 0: Yep. Yep. Beautiful. Fantastic. We also had your motorcycle.\n\nDo you still have that one?\n\nChannel 1: I've got another one now. Yeah. It's a different one, but yeah.\n\nChannel 0: That's okay. We had a value of your motorcycle about 12,000. Is it valued about the same, do you think? Or\n\nChannel 1: This one's about 20,000.\n\nChannel 0: okay. Fantastic.\n\nChannel 1: This\n\nChannel 0: And what\n\nChannel 1: is\n\nChannel 0: kind\n\nChannel 1: not\n\nChannel 0: of\n\nChannel 1: very\n\nChannel 0: vehicle\n\nChannel 1: old at all.\n\nChannel 0: no. That's okay. What kind of motorcycle is it?\n\nChannel 1: It's a Yamaha 700.\n\nChannel 0: Fantastic.\n\nChannel 1: It's a '25\n\nChannel 0: Seven\n\nChannel 1: model.\n\nChannel 0: 100. Yeah. Beautiful. And do you get out very much on it?\n\nChannel 1: In the summertime, I do. Yeah. Yeah. I take the\n\nChannel 0: Yeah.\n\nChannel 1: work at that and drive around the weekends, that sort of thing.\n\nChannel 0: Fantastic. That's excellent. And do you have any debt selling on this one, or is it owned outright?\n\nChannel 1: No. I'm just pulling that off at the moment.\n\nChannel 0: How much do you have owing on it still?\n\nChannel 1: Oh, I just started probably I don't know, to tell you the truth.\n\nChannel 0: How much did you borrow originally for it?\n\nChannel 1: About 20,000.\n\nChannel 0: About\n\nChannel 1: About\n\nChannel 0: 20,000.\n\nChannel 1: twenty thousand.\n\nChannel 0: Yep. That's okay. I'll just note down here that you borrowed 20,000 initially, that you've just started paying it off, so it might be a little\n\nChannel 1: Yeah.\n\nChannel 0: bit\n\nChannel 1: Yeah.\n\nChannel 0: lower.\n\nChannel 1: I'm not sure what's on the at the moment.\n\nChannel 0: Yeah. That's absolutely fine. Not a problem at all. Beautiful. Now I also had down here as an asset some tools.\n\nYou had a value on those combined of about a thousand dollars. Would you keep that about the same or update that lower? What do you\n\nChannel 1: At the moment, about the same. Yeah. Yeah.\n\nChannel 0: yep. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. And are you renting where you live at the moment, or is it owned? Or\n\nChannel 1: Spreading. Yes.\n\nChannel 0: renting? Sorry. Yep.\n\nChannel 1: If it fits, yes.\n\nChannel 0: Yep. Beautiful. And how much rent are you paying on a weekly or fortnightly\n\nChannel 1: Three\n\nChannel 0: basis\n\nChannel 1: 60.\n\nChannel 0: currently? $3.60. Perfect. That's pretty good, Brent. Is that per week?\n\nChannel 1: That's per week. Yes.\n\nChannel 0: Per week. Yep. Beautiful. And do you have any other investments, shares, cryptocurrency, any, you know,\n\nChannel 1: No.\n\nChannel 0: other savings or assets or anything else you'd note down?\n\nChannel 1: No. No.\n\nChannel 0: No. That's okay. A weird one that I tend to put down is content. Do you have contents insurance? Or\n\nChannel 1: Not at the moment. I don't know.\n\nChannel 0: no. That's okay. It's a bit strange, but the contents are still technically an asset. While they do tend to devalue over time, it's an asset for centrelink purposes down the track. But if you had to sort of if you tipped your house up, so then and everything fell out, all the items that fall out are technically contents.\n\nIf you looked at that to replace, it could cost quite a significant amount. If you thought about your contents, what sort of replacement value would you put on those, do you think? Tough one, though.\n\nChannel 1: I'd probably say 45, I suppose.\n\nChannel 0: 20,000? Fantastic. Excellent. Well, thank you so much for updating those details there for\n\nChannel 1: That's\n\nChannel 0: me.\n\nChannel 1: alright.\n\nChannel 0: And, Janette, just confirming, as but, you know, there's a nonsmoker. That's correct? No changes?\n\nChannel 1: Yeah. That's right. No.\n\nChannel 0: Yep. Beautiful. Nice and healthy. Love that. Estate planning wise, have you ever had a will drawn up?\n\nPower of attorney? Have you ever sought\n\nChannel 1: Not\n\nChannel 0: the services\n\nChannel 1: the moment.\n\nChannel 0: on\n\nChannel 1: No.\n\nChannel 0: the stuff? No. That's okay. Is it something that's on the list to do? Have you considered\n\nChannel 1: I haven't got one yet. Let's\n\nChannel 0: no.\n\nChannel 1: see.\n\nChannel 0: No. That's okay. It is something to think about. And I know a lot of people sort of say to me, well, I don't really have a lot in the way of assets. But when you look around, you actually probably do.\n\nIf you think about things that might be family heirlooms that you might wanna have passed to someone specifically, you might wanna request some money to, you know, to a a a a charity or someone that's, you know, near and dear to yourself without having a will. And I know with having, you know, your mom passing in the past, you probably were aware well aware of the estate planning aspect to it. But if you were to pass away currently without a will, you pass away intestate, and that essentially means that everything has to go through a legal process. So people from your past can come forward to take a claim on what they think they're\n\nChannel 1: Mhmm.\n\nChannel 0: entitled to with your assets. And going through a legal process means that the legal system makes a decision on who gets what. So it may not be passed the way you want it to be. It may mean if you're wanting everything to be handed down to your two sons, that they may not get the opportunity to receive it the way you want them to. So as much as it is a bit of a cost, having a will is really important to do.\n\nIt can be a simple will can cost, you know, $1.02, $300. You can even get a will kit from the post office and complete it correctly, or a more complex will can cost a little bit more. But if you've got a bit of money aside, it is definitely worth speaking to a solicitor and having something\n\nChannel 1: Yeah. That's\n\nChannel 0: drawn\n\nChannel 1: right.\n\nChannel 0: up\n\nChannel 1: Yeah.\n\nChannel 0: to protect you. Yeah. Yeah. So definitely\n\nChannel 1: That's\n\nChannel 0: keep\n\nChannel 1: right.\n\nChannel 0: that in mind if you you know, we'll definitely revisit that again when we talk in six months' time. But,\n\nChannel 1: Yeah.\n\nChannel 0: yeah,\n\nChannel 1: That's\n\nChannel 0: feel\n\nChannel 1: right.\n\nChannel 0: free\n\nChannel 1: Yep.\n\nChannel 0: to\n\nChannel 1: Okay.\n\nChannel 0: have a think about that and just have a one day when you're sort of standing at home, have a bit of a look around at everything that you do have and just maybe have that think about what would I what would happen if something happened to me if I was to pass away? What do I want how do I want everything to be passed down? Who do I want to receive certain things? What, you know, do I and it means selling off your car. It means selling off your motorcycle.\n\nIt also means all of your contents. You might have family airlines or things that you held for for as a child or things that have been passed down from other family members to yourself that might be really important to keep aside. So it is definitely worth having a think about how you would want things to be passed to people. Yeah. Yeah.\n\nSo bit of food for thought there for you. It is definitely worthwhile thinking about and and speaking to a solicitor to do those sorts of\n\nChannel 1: Okay.\n\nChannel 0: things. And I'll make sure I revisit those in February when we come back and and revisit the conversation again for you.\n\nChannel 1: Alright.\n\nChannel 0: Okay.\n\nChannel 1: My wife's\n\nChannel 0: Yeah.\n\nChannel 1: yep. It feels\n\nChannel 0: Oh,\n\nChannel 1: good.\n\nChannel 0: good. Fantastic. It's looking forward at future goals. Now we're looking at, your retirement and at about 60, noting that you would be comfortable working longer if you needed to there as well.\n\nChannel 1: That's right. Yes.\n\nChannel 0: Is there any other goals that you might have at the moment?\n\nChannel 1: Not at the moment. No.\n\nChannel 0: No. That's okay.\n\nChannel 1: Enough\n\nChannel 0: How\n\nChannel 1: at the\n\nChannel 0: do\n\nChannel 1: moment.\n\nChannel 0: you\n\nChannel 1: No.\n\nChannel 0: that's okay. Have you thought about how you wanna spend your time at Giz? What do you wanna be doing?\n\nChannel 1: Almost sure to hear the truth. That's why you just think about it. Oh, yes.\n\nChannel 0: Oh, no. Five\n\nChannel 1: Yeah.\n\nChannel 0: years?\n\nChannel 1: Yeah. Yeah. I'm not sure at the moment. So yeah.\n\nChannel 0: That's okay. Few motorcycle rides, maybe traveling as much as you can.\n\nChannel 1: Yeah.\n\nChannel 0: Is there\n\nChannel 1: Probably\n\nChannel 0: any kind of\n\nChannel 1: the air\n\nChannel 0: project?\n\nChannel 1: beer. The travel would be\n\nChannel 0: Yep.\n\nChannel 1: nice. That'd be nice.\n\nChannel 0: Yep.\n\nChannel 1: I went to the countryside\n\nChannel 0: Beautiful.\n\nChannel 1: and go overseas\n\nChannel 0: Beautiful.\n\nChannel 1: and sort of thing. Yeah.\n\nChannel 0: Excellent. One of the other things I would like to sort of have you think about between now and February as well is what kind of income that you might think you need to live on. So, essentially, what we wanna do when we are updating the advice and looking forward towards your retirement is looking at what you might need to live on on a regular basis. Yeah. And because you are renting, rental definitely come into an effect there as well.\n\nSo if if you can over the next few months, just have a think about whether you would be needing to replace your current income. So you're on about $50,000 per year at the moment. Would you just wanted to draw down the same income you have, or is there a different specific amount of money you think would be appropriate for you to draw down on a weekly or fortnightly basis from super to live on in those time years? Because we'll look at that as a bit of a goal and look look forward. Yeah.\n\nSo one of the things that we do like to do is utilize the time between now and when you're wanting to access super. We project everything forward. We do utilize past data for investments to see how they have performed and what we expect things to how we expect them, sorry, to react in the future.\n\nChannel 1: Yeah. Righty.\n\nChannel 0: But we\n\nChannel 1: Yeah.\n\nChannel 0: also\n\nChannel 1: I'll I'll I'll talk about that too. Yeah. I'll I'll think\n\nChannel 0: yep.\n\nChannel 1: about that and and,\n\nChannel 0: All\n\nChannel 1: yeah,\n\nChannel 0: good.\n\nChannel 1: I'll I'll think about that one, and we'll\n\nChannel 0: Yep.\n\nChannel 1: discuss that later sort of thing and see\n\nChannel 0: Absolutely.\n\nChannel 1: what the gut is. Yeah.\n\nChannel 0: I've given you a little bit of homework this week, haven't I?\n\nChannel 1: There we\n\nChannel 0: Yeah. Because what yeah. No. It'd be good. Because when we look at projecting things out, we look at, you know, how the the outcome of when we get to the retirement age that you're after, how long your super is expected to last, and how we can supplement that at 67 by maybe adding in Centrelink and what that looks like to sort of show you longevity and what we're expecting project wise out of your super.\n\nSo it kinda shows you where we're tracking for, what we hope to expect out of that, and then we keep providing advice and updating it for you as as you track forward there. Okay? All good. Now I know I've touched on a lot, Donald. Do you have any questions for me?\n\nIs there anything that I may not have touched on that you were wanting to speak about, or do you have any questions in relation to anything I have pulled up?\n\nChannel 1: Just just wondering about the fees. Have the fees gone up? Have they? Or\n\nChannel 0: So that's the other thing I was gonna definitely bring up with you is our ongoing service fee. So it has definitely changed a little bit. The fee you were on last the last couple of years was a set percentage fee of 1.65%. And that essentially as an ongoing service fee of 1.65%, it means that it does fluctuate with the market. And it does mean that as your super balance increases over time, the more we expect to receive also does increase with it as well.\n\nThis this year, however, we have changed our fee structure. Do you receive the newsletter very often? Do you read that?\n\nChannel 1: Yeah. It just says here that a fixed dollar ongoing number\n\nChannel 0: Is\n\nChannel 1: Member\n\nChannel 0: yep.\n\nChannel 1: advice fee here is $3,293.\n\nChannel 0: Yeah. So what's what's changed what's changed with our ongoing service fee is that we've set it to be more of a fixed dollar. So we've got a tiered structure now. It basically means that from your balance being 0 to 200,000, the percentage remains at 1.65%. We actually go and calculate that 1.65%, and then we add 5% as growth on top of that.\n\nThen when your ongoing service agreement, we actually add that as a fixed dollar figure fee. And the reason we're doing that is because it actually works out better for you. We're in county we're incorporating that 5% growth, but on the old fee structure, if you've got, you know, 15% growth, then our fee increases along with that additional growth. Whereas right now, it won't. It means that you will not pay any more than what is being noted here.\n\nI believe the fee structure, the dollar figure should\n\nChannel 1: Okay.\n\nChannel 0: say $3,283.45. So it actually gives you a lot more clarity around what that fee is going to be, and we won't charge any more than what's being said there. The other change with our fee structure is that it's also a tiered structure now, a little bit like the tax system. So if you think about the tax rates, yeah, every time your income goes up, you go into a new tax bracket.\n\nChannel 1: Okay.\n\nChannel 0: With our\n\nChannel 1: Got\n\nChannel 0: ongoing\n\nChannel 1: it. Okay.\n\nChannel 0: service\n\nChannel 1: Yep. Yep.\n\nChannel 0: fee, as your balance increases, our fee bracket actually decreases. So our ongoing service fee for balances of 0 to 200,000, that's at 1.65%. Once\n\nChannel 1: Yep.\n\nChannel 0: your super balance reaches that 200,000, you then go into the next tier structure, and that reduces your ongoing service fee for balances over 200,000 to 500,000. We then charge 1.375. And then when your super balance goes over 500,000, you drop to the next tier structure, and that becomes 1.1\n\nChannel 1: Okay.\n\nChannel 0: 0%. So\n\nChannel 1: I don't understand.\n\nChannel 0: each, yeah, so each tier actually drops a little bit. So as your balance increases, And we work that out essentially as a percentage. We add the five percent of growth to the total, and then we give you a set dollar figure fee in your annual in your, ongoing service agreement. So you know exactly what you're gonna pay this year, and it's encompassing 5% growth. But if you get 25% growth, it it doesn't increase your fee.\n\nThe next year, we just readjust it and do the dollar figure again and show you what you're expected to pay. So it's\n\nChannel 1: Okay.\n\nChannel 0: actually working\n\nChannel 1: Alrighty.\n\nChannel 0: out,\n\nChannel 1: Hey. Good. Good.\n\nChannel 0: yeah, it actually works out more beneficial for you because that ongoing service agreement tells you how much you're going to pay regardless of what happens,\n\nChannel 1: Okay. Yep.\n\nChannel 0: and it gives you more certainty. And as your balance increases, each tier that you drop down decreases in the percentage that you pay us. So it\n\nChannel 1: Oh,\n\nChannel 0: tends\n\nChannel 1: okay.\n\nChannel 0: to work out a little bit better over time for you as well. Does that make sense?\n\nChannel 1: Yeah. It makes sense. Yeah. No other tool. Yep.\n\nI understand now. Yeah.\n\nChannel 0: Yeah. Yeah. It's giving you a lot more certainty around the ongoing service fee, and it still encompasses the agent's the super looking after your super and everything around that. We still provide advice and wanna keep tracking forward, and there's no implementation fees for any new advice around the super system there. So we just wanna make sure things are working harder for you and then, you know, making sure that we're continuously working on your behalf and in your best interest.\n\nBut we do have to charge a fee for doing so, but we\n\nChannel 1: Yeah.\n\nChannel 0: try to make it as fair as possible. Yeah. Does that\n\nChannel 1: That's\n\nChannel 0: make sense?\n\nChannel 1: alright.\n\nChannel 0: Do you have\n\nChannel 1: That's alright.\n\nChannel 0: yeah.\n\nChannel 1: No worries. Okay.\n\nChannel 0: Oh, good. Fantastic. So if you are comfortable to stay on board for the next twelve months, we do ask that you sign the ongoing service agreement there for me. If you're comfortable\n\nChannel 1: Okay.\n\nChannel 0: comfortable to do so now, that would be fabulous. If you wanna take\n\nChannel 1: No\n\nChannel 0: it\n\nChannel 1: worries.\n\nChannel 0: back and read it through, that's fine.\n\nChannel 1: That's it.\n\nChannel 0: Is it working for you?\n\nChannel 1: Yeah. It sure is.\n\nChannel 0: Fantastic.\n\nChannel 1: Okay. It's it's loading now. So\n\nChannel 0: Yep. Beautiful. And so just to kind of recap, everything's working well. We'll give your super and your portfolio another six months. We'll come back in February.\n\nWe'll do a catch up.\n\nChannel 1: Okay.\n\nChannel 0: We'll then\n\nChannel 1: That\n\nChannel 0: we'll then reassess,\n\nChannel 1: one's\n\nChannel 0: know, your risk level, your retirement goals, your retirement income, and maybe some salary\n\nChannel 1: good.\n\nChannel 0: sacrifice there and revisit the insurance aspect for you as well. Is that right? Am I on the right track with that?\n\nChannel 1: Yep. All good. Thanks. And this it just been now. Sorry.\n\nChannel 0: Fantastic. Oh, fantastic. Thank you so much. It's just come back to me. I appreciate that, Donald.\n\nThank you\n\nChannel 1: That's\n\nChannel 0: so\n\nChannel 1: right.\n\nChannel 0: much.\n\nChannel 1: No other call. Thanks very much for your call. Appreciate that.\n\nChannel 0: My pleasure. Anytime. You have an amazing afternoon. I'll talk to you in six months unless something comes up that I need to sort of touch base with you earlier. In\n\nChannel 1: Okay.\n\nChannel 0: the meantime, we'll get your beneficiary nomination for your super updated and sent to you. And\n\nChannel 1: That'll\n\nChannel 0: I'll\n\nChannel 1: be\n\nChannel 0: also\n\nChannel 1: great.\n\nChannel 0: send\n\nChannel 1: Thanks.\n\nChannel 0: you a little email just outlining the income protection, the life, the TPD, and the trauma policies just so you can have a look and compare what you have versus what you might think you need down the track.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: No worries. Well, thanks so much for that. Appreciate it.\n\nChannel 0: My pleasure. You have a lovely afternoon. It's been an absolute pleasure catching up with\n\nChannel 1: Yep. You too. Okay.\n\nChannel 0: you.\n\nChannel 1: Thanks very much.\n\nChannel 0: Talk to you soon. See\n\nChannel 1: Okay.\n\nChannel 0: you later.\n\nChannel 1: Bye now.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.1599998,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.02806614153087139}],"sentiment":"neutral","sentiment_score":0.02806614153087139,"channel":1,"num_words":1,"start":2.1599998,"end":2.6599998},{"sentences":[{"text":"Hi, Donald.","start":3.4399998,"end":4.08,"sentiment":"neutral","sentiment_score":0.12068714201450348},{"text":"It's Zaina from OQ Financial.","start":4.08,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.19896018803119658},{"text":"How are you this 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check about your retirement goals and because having a look now, you're 56 next month.","start":644.51996,"end":652.83997,"sentiment":"neutral","sentiment_score":0.052736938859407716},{"text":"Is that right?","start":652.83997,"end":653.74,"sentiment":"neutral","sentiment_score":0.08145939807097118}],"sentiment":"neutral","sentiment_score":-0.08651591688394547,"channel":0,"num_words":70,"start":632.46497,"end":653.74},{"sentences":[{"text":"Yes.","start":657.12006,"end":657.52,"sentiment":"neutral","sentiment_score":0.09225548803806304},{"text":"Yes.","start":657.52,"end":658.02,"sentiment":"neutral","sentiment_score":0.09691984206438065}],"sentiment":"neutral","sentiment_score":0.09458766505122185,"channel":1,"num_words":2,"start":657.12006,"end":658.02},{"sentences":[{"text":"Yeah.","start":658.68,"end":659.085,"sentiment":"neutral","sentiment_score":0.08867350220680237},{"text":"So when are you sort of hoping to be able to start accessing your super down the track and maybe 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bit.","start":706.7,"end":720.055,"sentiment":"neutral","sentiment_score":-0.18631513797394608},{"text":"Yeah.","start":721.795,"end":722.19495,"sentiment":"neutral","sentiment_score":-0.057618409395217896},{"text":"How do you sort of feel about that knowing that you're about five years away from wanting to access those funds?","start":722.19495,"end":727.57996,"sentiment":"neutral","sentiment_score":-0.08732113171191443}],"sentiment":"neutral","sentiment_score":-0.12411905652931277,"channel":0,"num_words":106,"start":694.275,"end":727.57996},{"sentences":[{"text":"Pretty happy, really, like, you know?","start":730.6,"end":732.38,"sentiment":"positive","sentiment_score":0.3378215829531352},{"text":"Yes.","start":732.6,"end":733.1,"sentiment":"positive","sentiment_score":0.4388536512851715},{"text":"I just think it's it'll it'll come in handy.","start":734.44,"end":737.1,"sentiment":"positive","sentiment_score":0.5448739760451846},{"text":"Very handy, I 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and","start":751.255,"end":754.635,"sentiment":"neutral","sentiment_score":-0.20435577021403747}],"sentiment":"neutral","sentiment_score":-0.20435577021403747,"channel":1,"num_words":11,"start":751.255,"end":754.635},{"sentences":[{"text":"Yeah.","start":755.085,"end":755.34,"sentiment":"neutral","sentiment_score":-0.03562988340854645}],"sentiment":"neutral","sentiment_score":-0.03562988340854645,"channel":0,"num_words":1,"start":755.085,"end":755.34},{"sentences":[{"text":"just give them another six months and see how we go","start":755.75,"end":757.99,"sentiment":"neutral","sentiment_score":-0.04916163770989938}],"sentiment":"neutral","sentiment_score":-0.04916163770989938,"channel":1,"num_words":11,"start":755.75,"end":757.99},{"sentences":[{"text":"Another","start":757.82,"end":758.22003,"sentiment":"neutral","sentiment_score":-0.04145780950784683}],"sentiment":"neutral","sentiment_score":-0.04145780950784683,"channel":0,"num_words":1,"start":757.82,"end":758.22003},{"sentences":[{"text":"and","start":757.99,"end":758.49,"sentiment":"neutral","sentiment_score":-0.03288978710770607}],"sentiment":"neutral","sentiment_score":-0.03288978710770607,"channel":1,"num_words":1,"start":757.99,"end":758.49},{"sentences":[{"text":"six months?","start":758.22003,"end":759.04004,"sentiment":"neutral","sentiment_score":-0.026378112845122814},{"text":"Yep.","start":759.18005,"end":759.5,"sentiment":"neutral","sentiment_score":0.0560392290353775},{"text":"Yep.","start":759.5,"end":759.82,"sentiment":"neutral","sentiment_score":0.10119129717350006},{"text":"That's","start":759.82,"end":760.06,"sentiment":"neutral","sentiment_score":0.255182683467865}],"sentiment":"neutral","sentiment_score":0.07193139679729939,"channel":0,"num_words":5,"start":758.22003,"end":760.06},{"sentences":[{"text":"yeah.","start":759.99,"end":760.49,"sentiment":"neutral","sentiment_score":0.2845081686973572}],"sentiment":"neutral","sentiment_score":0.2845081686973572,"channel":1,"num_words":1,"start":759.99,"end":760.49},{"sentences":[{"text":"absolutely fine.","start":760.06,"end":761.10004,"sentiment":"positive","sentiment_score":0.35775087773799896},{"text":"Yep.","start":761.10004,"end":761.5,"sentiment":"neutral","sentiment_score":0.165098175406456},{"text":"Not a problem.","start":761.5,"end":762.14,"sentiment":"neutral","sentiment_score":0.16026751200358072},{"text":"So another six months, and then we'll reevaluate the risk level for you.","start":762.14,"end":766.08,"sentiment":"neutral","sentiment_score":-0.013521887648564119}],"sentiment":"neutral","sentiment_score":0.062400943550624345,"channel":0,"num_words":19,"start":760.06,"end":766.08},{"sentences":[{"text":"That month","start":766.23,"end":766.79,"sentiment":"neutral","sentiment_score":-0.0008719731122255325}],"sentiment":"neutral","sentiment_score":-0.0008719731122255325,"channel":1,"num_words":2,"start":766.23,"end":766.79},{"sentences":[{"text":"If 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are comfortable working longer if you need to.","start":978.84,"end":981.74005,"sentiment":"neutral","sentiment_score":0.07686660327017307},{"text":"And then we'll come back in six months' time.","start":982.36005,"end":985.24005,"sentiment":"neutral","sentiment_score":0.0481057899693648},{"text":"If I need to speak to you earlier, I'll make sure I do.","start":985.24005,"end":988.125,"sentiment":"neutral","sentiment_score":0.036045086498443894},{"text":"But, otherwise, February will do a bit of a catch up, and we'll talk seriously about reducing your risk level and what that looks like moving forward for your portfolio and and 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level, your retirement goals, your retirement income, and maybe some salary","start":2511.26,"end":2516.22,"sentiment":"neutral","sentiment_score":0.11466083782059806}],"sentiment":"neutral","sentiment_score":0.11466083782059806,"channel":0,"num_words":14,"start":2511.26,"end":2516.22},{"sentences":[{"text":"good.","start":2516.0498,"end":2516.5498,"sentiment":"neutral","sentiment_score":0.13252291083335876}],"sentiment":"neutral","sentiment_score":0.13252291083335876,"channel":1,"num_words":1,"start":2516.0498,"end":2516.5498},{"sentences":[{"text":"sacrifice there and revisit the insurance aspect for you as well.","start":2516.22,"end":2519.98,"sentiment":"neutral","sentiment_score":0.10101402923464775},{"text":"Is that right?","start":2519.98,"end":2520.54,"sentiment":"neutral","sentiment_score":0.08169620484113693},{"text":"Am I on the right track with 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now.","start":2523.73,"end":2525.565,"sentiment":"neutral","sentiment_score":0.11927056188384692},{"text":"Sorry.","start":2525.565,"end":2526.065,"sentiment":"neutral","sentiment_score":0.12089879810810088}],"sentiment":"neutral","sentiment_score":0.19776398011229254,"channel":1,"num_words":11,"start":2522.6099,"end":2526.065},{"sentences":[{"text":"Fantastic.","start":2525.925,"end":2526.425,"sentiment":"positive","sentiment_score":0.5062313079833984},{"text":"Oh, fantastic.","start":2526.5652,"end":2527.5452,"sentiment":"positive","sentiment_score":0.5605520308017731},{"text":"Thank you so much.","start":2527.7651,"end":2528.8052,"sentiment":"positive","sentiment_score":0.694190502166748},{"text":"It's just come back to me.","start":2528.8052,"end":2530.0852,"sentiment":"neutral","sentiment_score":0.3319315363963445},{"text":"I appreciate that, 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other call.","start":2532.205,"end":2532.845,"sentiment":"neutral","sentiment_score":0.026533993581930797},{"text":"Thanks very much for your call.","start":2532.845,"end":2534.365,"sentiment":"positive","sentiment_score":0.49458420773347217},{"text":"Appreciate that.","start":2534.365,"end":2535.425,"sentiment":"positive","sentiment_score":0.5422048568725586}],"sentiment":"positive","sentiment_score":0.3755924491719766,"channel":1,"num_words":11,"start":2532.205,"end":2535.425},{"sentences":[{"text":"My pleasure.","start":2535.0452,"end":2535.865,"sentiment":"positive","sentiment_score":0.5502147972583771},{"text":"Anytime.","start":2536.0852,"end":2536.5852,"sentiment":"positive","sentiment_score":0.37565240263938904},{"text":"You have an amazing afternoon.","start":2536.725,"end":2538.345,"sentiment":"positive","sentiment_score":0.5835945010185242},{"text":"I'll talk to you in six months unless something comes up that I need to sort of touch base with you earlier.","start":2538.405,"end":2543.3499,"sentiment":"neutral","sentiment_score":0.1720005331391638},{"text":"In","start":2543.65,"end":2543.8098,"sentiment":"neutral","sentiment_score":0.10051648318767548}],"sentiment":"neutral","sentiment_score":0.2670510553063885,"channel":0,"num_words":31,"start":2535.0452,"end":2543.8098},{"sentences":[{"text":"Okay.","start":2543.6602,"end":2544.1602,"sentiment":"neutral","sentiment_score":0.10728463530540466}],"sentiment":"neutral","sentiment_score":0.10728463530540466,"channel":1,"num_words":1,"start":2543.6602,"end":2544.1602},{"sentences":[{"text":"the meantime, we'll get your beneficiary nomination for your super updated and sent to 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a little email just outlining the income protection, the life, the TPD, and the trauma policies just so you can have a look and compare what you have versus what you might think you need down the track.","start":2549.97,"end":2561.065,"sentiment":"neutral","sentiment_score":0.12358625577046321}],"sentiment":"neutral","sentiment_score":0.12358625577046321,"channel":0,"num_words":39,"start":2549.97,"end":2561.065},{"sentences":[{"text":"Okay.","start":2560.9749,"end":2561.4548,"sentiment":"neutral","sentiment_score":0.0831388384103775}],"sentiment":"neutral","sentiment_score":0.0831388384103775,"channel":1,"num_words":1,"start":2560.9749,"end":2561.4548},{"sentences":[{"text":"Okay?","start":2561.125,"end":2561.625,"sentiment":"neutral","sentiment_score":0.0689135491847992}],"sentiment":"neutral","sentiment_score":0.0689135491847992,"channel":0,"num_words":1,"start":2561.125,"end":2561.625},{"sentences":[{"text":"No worries.","start":2561.4548,"end":2561.855,"sentiment":"neutral","sentiment_score":0.20236439257860184},{"text":"Well, thanks so much for that.","start":2561.855,"end":2562.9749,"sentiment":"positive","sentiment_score":0.6789183268944422},{"text":"Appreciate it.","start":2562.9749,"end":2563.89,"sentiment":"positive","sentiment_score":0.7142079472541809}],"sentiment":"positive","sentiment_score":0.5906654641032218,"channel":1,"num_words":10,"start":2561.4548,"end":2563.89},{"sentences":[{"text":"My pleasure.","start":2564.2449,"end":2564.885,"sentiment":"positive","sentiment_score":0.7295672595500946},{"text":"You have a lovely afternoon.","start":2564.885,"end":2566.1648,"sentiment":"positive","sentiment_score":0.7762452483177185},{"text":"It's been an absolute pleasure catching up 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The agent emphasizes the importance of diversification and the benefits of investing in high growth environments, while also discussing risk levels and beneficiary information. The speakers discuss retirement goals and the possibility of adding more contributions to the super, as well as the benefits of the ongoing service agreement. The fee structure is a tiered structure and the service agreement is a positive for the customer."},"intents":{"segments":[{"text":"I had you booked in to go through your annual review today. Is now still a good Yes.","start_word":25,"end_word":42,"intents":[{"intent":"Book review","confidence_score":0.028757224}]},{"text":"And just to do security with you as well, just to confirm, your full name, your date of birth, and address I should have on file Yes. there.","start_word":309,"end_word":336,"intents":[{"intent":"Confirm security","confidence_score":0.2587705}]},{"text":"So that one there is giving you an update on your super balance.","start_word":655,"end_word":667,"intents":[{"intent":"Update super balance","confidence_score":0.6723118}]},{"text":"Well, we have a bit of a look at how everything has performed investment wise. And if you wanted to, if you're able to if you go back to the email, we've also got the Netwealth Asset Performance Report attached there if you wanted to open that one up as Yeah. well.","start_word":720,"end_word":771,"intents":[{"intent":"Educate about investments","confidence_score":0.00022434881}]},{"text":"When we sort of look at how that plus everything else has gone over the past sort of twelve months there, your portfolio, if you look at the second page of that, on the very bottom line, it shows you're up by 8.36% net of fees, so after fees Okay.","start_word":1255,"end_word":1304,"intents":[{"intent":"Inform about portfolio performance","confidence_score":0.005937084}]},{"text":"So you are taking on a little bit more risk in the market to obtain greater potential returns in this high growth environment and sort of hoping you're tracking to try and achieve about eight to 10% on a yearly basis as an average and compounding that forward. So in a high growth environment, anything over, say, 10% means your portfolio is overperforming and doing extremely well. Anything Okay.","start_word":1365,"end_word":1433,"intents":[{"intent":"Analyze market performance","confidence_score":0.14166696}]},{"text":"And in looking at that, I sort of also wanted to check about your retirement goals and because having a look now, you're 56 next month. Is that right?","start_word":2011,"end_word":2039,"intents":[{"intent":"Optimize retirement goals","confidence_score":0.0013670864}]},{"text":"So another six months, and then we'll reevaluate the risk level for you. That month If in to the go. meantime Yeah.","start_word":2342,"end_word":2363,"intents":[{"intent":"Evaluate risk level","confidence_score":0.14483327}]},{"text":"And if the market did take a or if you saw your super balance fall over, say, the next six months or the next twelve months, how do you think you might be feeling? Are you feeling a bit optimistic about the investment opportunities available to you?","start_word":2699,"end_word":2745,"intents":[{"intent":"Assess portfolio options and expectations","confidence_score":0.00008277287}]},{"text":"your retirement aspect. Does that sound okay?","start_word":3095,"end_word":3101,"intents":[{"intent":"Provide information about portfolio and retirement","confidence_score":0.000020276453}]},{"text":"So what we'll do if you're comfortable is we'll need to update that super beneficiary nominations. So are Okay.","start_word":3399,"end_word":3417,"intents":[{"intent":"Update super beneficiary nominations","confidence_score":0.01648897}]},{"text":"Did you want us to pre fill the form as much as we can to make it easier, or are you happy just filling it out? That'd be great.","start_word":3468,"end_word":3496,"intents":[{"intent":"Fill out form","confidence_score":0.33042818},{"intent":"Confirm form form","confidence_score":0.0056887916}]},{"text":"That's okay. 50% paid each way. Is that right?","start_word":3534,"end_word":3542,"intents":[{"intent":"Confirm payment","confidence_score":0.37916535}]},{"text":"That's okay. 50% paid each way. Is that right? That's right. Yes. Beautiful. And now the other thing to sort of confirm is with the beneficiary nominations, you have three types of nominations. The first one is nonbinding. Essentially, you're just telling the trustee this is what you want to happen, but on your passing, unfortunately, the super fund gets to make the decision as to whether they follow that or not. What?","start_word":3534,"end_word":3606,"intents":[{"intent":"Confirm confirmation","confidence_score":0.039425056}]},{"text":"So we'll fill it out now, place it on file, and it will never have to be updated unless you make that unless you wanna make that change. Which Well, okay.","start_word":3645,"end_word":3675,"intents":[{"intent":"Place form on file","confidence_score":0.015041263}]},{"text":"I'll have that form prefilled for you and sent to you. That way, you just need to sign it. Have two witnesses sign it as well. The witnesses Okay.","start_word":3695,"end_word":3723,"intents":[{"intent":"Confirm signature","confidence_score":0.2173913}]},{"text":"And I'm so sorry for your loss. Oh, that's okay.","start_word":3795,"end_word":3804,"intents":[{"intent":"Apologize for loss","confidence_score":0.3414057}]},{"text":"So when you think about that that 276 odd thousand of life cover paid out, is that are you comfortable with that amount? Did you wanna look at reviewing your life cover at all at the moment, or are you just happy with that? Not at the moment.","start_word":3811,"end_word":3858,"intents":[{"intent":"Review employee benefits","confidence_score":0.0006280125}]},{"text":"Did you wanna look at reviewing your life cover at all at the moment, or are you just happy with that? Not at the moment.","start_word":3833,"end_word":3857,"intents":[{"intent":"Review coverage level","confidence_score":0.009523103},{"intent":"Review coverage","confidence_score":0.111169666}]},{"text":"Now you don't have any other types of personal insurances like income protection or trauma. Has No.","start_word":4041,"end_word":4057,"intents":[{"intent":"Discuss personal insurances","confidence_score":0.086583085}]},{"text":"Do you have much in the way of sick leave, annual leave, holidays, or Yes. savings Yes.","start_word":4116,"end_word":4132,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.060976084},{"intent":"Discuss retirement plans","confidence_score":0.0788683}]},{"text":"Did did you just to kinda give you food for thought, did you want me to have any questions around what the insurances are, life, PPD, income protection, or trauma, what those sorts of insurances payout, how they payout? Did you have any around any of those at all? Or It is would you would you be able to send me some information about them? yeah. Yeah.","start_word":4279,"end_word":4345,"intents":[{"intent":"Discuss insurances","confidence_score":0.022205748}]},{"text":"Now I just also wanted to update a couple of details with you just to see if your circumstances has changed.","start_word":4518,"end_word":4538,"intents":[{"intent":"Update details and review income","confidence_score":0.0000817139}]},{"text":"Now it looks like you're not making any additional contributions to super. Are you in a position to be able to make it, like, salary sacrifice or additional contributions to super, or you're sort of not wanting to at the moment?","start_word":4582,"end_word":4622,"intents":[{"intent":"Discuss salary sacrifices and additional contributions to super","confidence_score":0.00010197209}]},{"text":"Because, realistically, if you're wanting to retire in about five years, we wanna kinda give your super as much as a boost as we possibly can. Yeah.","start_word":4683,"end_word":4709,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.22966781},{"intent":"Discuss supplementing and boosting super","confidence_score":0.0002317485}]},{"text":"Are you finding with your your expenditure that you're putting savings away on a regular basis at the moment, or is all of your income going towards your expenses?","start_word":4842,"end_word":4870,"intents":[{"intent":"Discuss cost savings","confidence_score":0.0012426995},{"intent":"Discuss monthly savings","confidence_score":0.08975916}]},{"text":"If you were to quantify what you're saving on a weekly basis, how much do you think you're managing to put away?","start_word":4937,"end_word":4958,"intents":[{"intent":"Calculate savings amount","confidence_score":0.025774758}]},{"text":"Well, thank you so much for updating those details there for That's me.","start_word":5600,"end_word":5612,"intents":[{"intent":"Express gratitude","confidence_score":0.0089203995}]},{"text":"And, Janette, just confirming, as but, you know, there's a nonsmoker. That's correct? No changes?","start_word":5614,"end_word":5628,"intents":[{"intent":"Confirm will","confidence_score":0.0743199}]},{"text":"Power of attorney? Have you ever sought Not the services the moment.","start_word":5651,"end_word":5662,"intents":[{"intent":"Request power of attorney","confidence_score":0.012420946}]},{"text":"If you think about things that might be family heirlooms that you might wanna have passed to someone specifically, you might wanna request some money to, you know, to a a a a charity or someone that's, you know, near and dear to yourself without having a will.","start_word":5732,"end_word":5779,"intents":[{"intent":"Request money","confidence_score":0.05330822}]},{"text":"And going through a legal process means that the legal system makes a decision on who gets what. So it may not be passed the way you want it to be.","start_word":5857,"end_word":5887,"intents":[{"intent":"Suggest legal process","confidence_score":0.0037389928}]},{"text":"And I'll make sure I revisit those in February when we come back and and revisit the conversation again for you. Alright.","start_word":6227,"end_word":6248,"intents":[{"intent":"Plan future conversation","confidence_score":0.0007286577}]},{"text":"Now we're looking at, your retirement and at about 60, noting that you would be comfortable working longer if you needed to there as well. That's right. Yes.","start_word":6267,"end_word":6294,"intents":[{"intent":"Plan retirement and financial goals","confidence_score":0.0004649046}]},{"text":"Just just wondering about the fees.","start_word":6881,"end_word":6886,"intents":[{"intent":"Discuss project planning and fees","confidence_score":0.0000016505586}]},{"text":"Do you receive the newsletter very often? Do you read that? Yeah.","start_word":6993,"end_word":7004,"intents":[{"intent":"Update newsletter status","confidence_score":0.00061675865}]},{"text":"I believe the fee structure, the dollar figure should Okay. say $3,283.45. So it actually gives you a lot more clarity around what that fee is going to be, and we won't charge any more than what's being said there.","start_word":7169,"end_word":7208,"intents":[{"intent":"Clarify fee structure","confidence_score":0.24580973}]},{"text":"yeah, it actually works out more beneficial for you because that ongoing service agreement tells you how much you're going to pay regardless of what happens, Okay.","start_word":7456,"end_word":7482,"intents":[{"intent":"Clarify service agreement terms and process","confidence_score":3.2933085e-7}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Donald. It's Zaina from OQ Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.17707066237926483},{"text":"Good. Thanks. Yourself? I'm very well. Thank you. Thank you for asking.","start_word":13,"end_word":24,"sentiment":"positive","sentiment_score":0.5361138582229614},{"text":"I had you booked in to go through your annual review today. Is now still a good Yes. No worries. That's all time good. there Thanks. for you? Oh, fantastic. I do apologize. Been a little bit late on that one. I just was running a little bit late this afternoon, so I am very sorry for Oh, that's calling alright. you a No bit later. worries. All good. All good. Donald, before we jump into the call, just to let you know, would you record our calls for quality and training purposes? Are you happy for us to proceed with that? Yeah. No worries at all. All good. Yep.","start_word":25,"end_word":134,"sentiment":"neutral","sentiment_score":0.06953529268503189},{"text":"Fantastic.","start_word":135,"end_word":135,"sentiment":"positive","sentiment_score":0.45068472623825073},{"text":"And we also do normally email or send through a copy of some review documents to you to kinda go through with us. Do you have access to your emails at the moment? If you don't, that's honestly okay. Yeah. It's all good. Yes. No worries at all.","start_word":136,"end_word":183,"sentiment":"neutral","sentiment_score":0.12517781555652618},{"text":"Fantastic.","start_word":184,"end_word":184,"sentiment":"positive","sentiment_score":0.3698180317878723},{"text":"I'm just gonna send press send on this email for you if you're able to jump into your emails there. It'll come through from. Okay. All good. That's alright. I should have Hopefully, it comes through a fairly quickly there for you. Just press send on that one. look. If technology lacks us, that is, isn't it? Yeah. That's right. Yeah. It All hasn't good. come Now through well, yet. that's okay. Now while that is coming through, I do have to let you know moving forward throughout the call, we do record our calls for quality and training purposes. Are you happy for me to proceed with that through the Yep. annual No review? worries at all. Yep.","start_word":185,"end_word":303,"sentiment":"neutral","sentiment_score":0.08536407351493835},{"text":"That's Fantastic. fine. Thanks. Excellent.","start_word":304,"end_word":308,"sentiment":"positive","sentiment_score":0.3848044872283935},{"text":"And just to do security with you as well, just to confirm, your full name, your date of birth, and address I should have on file Yes. there. It's Donald. 16th Of 970 And 20 Beautiful. McLaughlin Street, Orange, New South Wales.","start_word":309,"end_word":350,"sentiment":"neutral","sentiment_score":0.12617027387022972},{"text":"Fantastic.","start_word":351,"end_word":351,"sentiment":"positive","sentiment_score":0.5986511707305908},{"text":"And how cold is it down in Orange there at the At the moment, very moment? cold.","start_word":352,"end_word":368,"sentiment":"neutral","sentiment_score":-0.0211294274777174},{"text":"Oh, yuck. It's not very nice at all.","start_word":369,"end_word":376,"sentiment":"negative","sentiment_score":-0.5983541011810303},{"text":"No. No. Look. I understand your weather quite well. My husband's family are from Young, so I'm Alright. Okay. well at best in your kind of weather. It's very cold. We had some nice sunny days earlier sort of thing, like, the frost and that, but Yeah. now it's Yeah. so rainy and overcast and windy and yeah, very Oh. Oh, wow. It was raining. You got a bit of rain down there. Is that cold. well Yeah. needed Yeah. at It's the moment? been pouring. Yeah. Yep. Wow. Well, hopefully, it's well needed.","start_word":377,"end_word":470,"sentiment":"neutral","sentiment_score":0.014028791338205338},{"text":"All I think good.","start_word":471,"end_word":474,"sentiment":"positive","sentiment_score":0.4313490092754364},{"text":"so for the farmers and that too, apparently. Yeah. So Absolutely. Now yeah. has that email popped through to you there at I'll the moment just have at a look. all or as yet? You're right. If it hasn't come into your inbox, just double check your junk mail as well. Sometimes I do get sent through to junk Well, he beguard. Yes. Yes. mail. There we go.","start_word":475,"end_word":542,"sentiment":"neutral","sentiment_score":0.008771860972046852},{"text":"Fantastic.","start_word":543,"end_word":543,"sentiment":"positive","sentiment_score":0.33638036251068115},{"text":"Now when you open that one up, it will have a little button that says sign or click to sign here. I won't get you to click that one just yet if possible. If you can just scroll down to the bottom, there'll be a couple of attachments there for you, and one of those will have your superannuation, a summary of super and insurance. It should be Hey. the How's heading. it going? Probably good? Yeah. Is that opening up there for Yeah. you? Just just just just damn loud enough for me. No. That's okay. You're Okay. fine. Okay. Here we go. Yeah. Yeah. Yeah. The supervisor summary.","start_word":544,"end_word":653,"sentiment":"neutral","sentiment_score":0.07912556827068329},{"text":"Fantastic.","start_word":654,"end_word":654,"sentiment":"positive","sentiment_score":0.4965673089027405},{"text":"So that one there is giving you an update on your super balance. So when I have a look back at your annual review last year, your super balance back then, we had a $156,084.50 there. So looking forward, we're up to a 189,521 and 5<unk> there.","start_word":655,"end_word":702,"sentiment":"neutral","sentiment_score":0.24425247218459845},{"text":"So we have seen a good increase in your super balance. Yeah. It tastes very good, dear. Yeah.","start_word":703,"end_word":720,"sentiment":"positive","sentiment_score":0.659783661365509},{"text":"Well, we have a bit of a look at how everything has performed investment wise. And if you wanted to, if you're able to if you go back to the email, we've also got the Netwealth Asset Performance Report attached there if you wanted to open that one up as Yeah. well. Okay. Yep. That's Let's okay. get You're that one. fine. Yeah. Okay. Here we go. Yep.","start_word":721,"end_word":788,"sentiment":"neutral","sentiment_score":0.09637246280908585},{"text":"Beautiful.","start_word":789,"end_word":789,"sentiment":"positive","sentiment_score":0.5052185654640198},{"text":"So that one there is giving you an update on all the investments in within your super fund there. So within net worth, I'll be everything generally has been working quite well. One Alright. of the things I did sort of notice, and I'm not sure if you remember receiving this or not, but around about March this year, we sent through an email with an updated record of advice just to and note some changes that we were making to your portfolio. Do you remember receiving that email there at all? Oh, good question. I'm not sure now. That's okay. You want Essentially to post that to me again. Yeah. no. That's okay. More than happy to send it through to you again. Essentially, with that email there, we had sort of noticed that this year that one of your underlying investments wasn't performing as well as we sort of would like. So, originally, within your portfolio, you had an investment called Ben along Australian Equities. Go That investment, to give you a bit of a breakdown, is a managed fund. It's an actively managed fund. So the investment ahead. manager is meant to be trying to outperform against the market, but they haven't been able to do so. And some of their underlying investments have had a few issues. So we decided we didn't want you in anything underperforming. So we sold that investment and moved you out of it, and we've put you Okay. into the beta shares a 200. So if you look at your on that performance report, you should see cash, then alternative investments, which shows physical gold, and underneath that, you'll have the Australian equities investments. Okay. Yep. Yeah. The banner long shows that we had sold that out completely, and we moved you into the a 200, which is the beta shares a 200. One of the main reasons for moving you into that investment was for greater diversification. So within the Bennelong managed fund there, they actually only hold generally between 15 to 25 different investment options, whereas the a 200 is giving you exposure to the top 200 companies Alright. on the Yep. ASX.","start_word":790,"end_word":1152,"sentiment":"neutral","sentiment_score":0.034472036518582425},{"text":"So it is helping to provide greater diversification, which is good, but it has also performed greater.","start_word":1153,"end_word":1169,"sentiment":"positive","sentiment_score":0.455790251493454},{"text":"It's also more of a passively managed fund as well. So instead of having an active manager, it's trying to outperform against the market and time the market.","start_word":1170,"end_word":1197,"sentiment":"neutral","sentiment_score":0.29235517978668213},{"text":"The beta shares a 200 is more passively managed with tracking an in an index, the top 200 companies on the ASX and the industries that goes along with that. So it's helping to lower your overall risk of the of the portfolio as well. And so far, Okay. it has definitely performed really well and nicely.","start_word":1198,"end_word":1254,"sentiment":"positive","sentiment_score":0.4578649401664734},{"text":"When we sort of look at how that plus everything else has gone over the past sort of twelve months there, your portfolio, if you look at the second page of that, on the very bottom line, it shows you're up by 8.36% net of fees, so after fees Okay. for the Yep. year. Yep. Yeah.","start_word":1255,"end_word":1310,"sentiment":"neutral","sentiment_score":0.23184554278850555},{"text":"That is That's a good alright. return.","start_word":1311,"end_word":1317,"sentiment":"positive","sentiment_score":0.49246475100517273},{"text":"Yeah. And, look, with the portfolio, you're you're in more of that high growth environment there. So that's where you're sort of seeing 90% of your super invested in those higher risk investments. Think about things like Australian and international shares, listed property and commodities there. So you are taking on a little bit more risk in the market to obtain greater potential returns in this high growth environment and sort of hoping you're tracking to try and achieve about eight to 10% on a yearly basis as an average and compounding that forward. So in a high growth environment, anything over, say, 10% means your portfolio is overperforming and doing extremely well. Anything Okay. under that 8% is essentially an underperformance there. So the fact that you've received that 8.36 as a net return, it's within that range that we're sort of hoping for. And this year, you've probably seen on the news a lot of ups and downs with everything Okay. that's been Oh, happening yeah. Yeah. with My way. The US. That's for sure. So you Yeah. yeah.","start_word":1318,"end_word":1498,"sentiment":"neutral","sentiment_score":0.1257650293204007},{"text":"So your portfolio has still worked nicely. We've come out with an average return for the year.","start_word":1499,"end_word":1515,"sentiment":"positive","sentiment_score":0.5477983951568604},{"text":"And at a time where we saw a lot of volatility as well, so the ups and downs this year had seen quite drastic changes in the market in short period of time. It's it always sort of when you're looking at the news, does come across and seem a lot worse than it is.","start_word":1516,"end_word":1570,"sentiment":"neutral","sentiment_score":-0.22993434965610504},{"text":"Generally, at the worst, we saw about a 3% drop there.","start_word":1571,"end_word":1581,"sentiment":"negative","sentiment_score":-0.35371994972229004},{"text":"But when you're in that sort of high growth environment, you feel those drops. Yeah. That's right. I'm just checking out Yeah. the chart. Now the index chart there, it's Yeah. up and down in that like, you know. Yeah. So that's the index chart, and that essentially shows you how different investments have reacted over time and why we invest the way we do. So looking at that chart there, if you think about the top investment, which is international equities, if you had to put, you know, 10,000 into that investment solely back there in 1995 and let it sit over the course of the last thirty years, it does show you a greater overall return. It's compounded a bit over 10% there and $1,010,000 to $214,000. But you can sort of see the ups and downs that you would have had to go through in that time frame, and you could imagine sitting through that over the course of thirty years.","start_word":1582,"end_word":1745,"sentiment":"neutral","sentiment_score":0.012318247883785062},{"text":"It could be an emotional roller coaster.","start_word":1746,"end_word":1752,"sentiment":"negative","sentiment_score":-0.385487824678421},{"text":"Well, So that's right. Yeah. Well, yeah. Yeah. So it's about making sure you're comfortable with the risk level you're taking to obtain the rewards that you're after as well. And as Yeah. you get That's closer okay. and closer Yeah. to as you get closer to accessing sleeper, we'll definitely start to wind back your risk level a bit. We'll probably just drop it back in 10% increments as we get closer and closer. That way, you're stepping down gradually. So when you get to those retirement years and start actually drawing an income out, that, you know, you've got you've got a lower risk. You've got a bit more income producing within your portfolio, Okay. that you're not Yes. not seeing those ups and downs as drastically. Does that make sense? It that's my sense. Yeah. Yeah. Yeah. Yeah.","start_word":1753,"end_word":1893,"sentiment":"neutral","sentiment_score":0.03812698647379875},{"text":"So, look, honestly, I'm very happy with how things have gone with your portfolio and your super fund at the moment.","start_word":1894,"end_word":1914,"sentiment":"positive","sentiment_score":0.3463897407054901},{"text":"I would be probably not wanting to update things because we have just made the changes within your portfolio currently. It'd be worth just giving it maybe another six months and sort of sitting on things to see how it performs over the next six months and then maybe look at adjustments down the track. That is in unison with your risk level. So if the only sort of reason I would wanna maybe look at making changes now is if you are finding that you wanna kinda pull back the risk level a little bit. And in looking at that, I sort of also wanted to check about your retirement goals and because having a look now, you're 56 next month. Is that right? Yes. Yes. Yeah. So when are you sort of hoping to be able to start accessing your super down the track and maybe retire? What's your goal like Probably that? when I'm 60. When you're 60? Yep. Yeah. That's a point. No. That's that's that's not five years away. So It is. Yeah. Definitely. So the other thing to sort of think about is the high growth portfolio because you are taking a bit more risk in the market. And when you look at that Vanguard index chart there, essentially, 90% in those high growth investments means you're 90% invested in US shares, Australian shares, international shares, and listed properties. So you are taking a bit more risk, and we'll go through those sorts of ups and downs. A high growth portfolio normally suits someone who has at least eight years before they're planning to access their money. So if you are maybe wanting to access your super, I would be more inclined in the next five years, I'd be inclined to maybe start drawing back that risk level a little bit for you now and starting to reduce it back a little bit. Yeah. How do you sort of feel about that knowing that you're about five years away from wanting to access those funds? Pretty happy, really, like, you know?","start_word":1915,"end_word":2261,"sentiment":"neutral","sentiment_score":-0.0634530172159933},{"text":"Yes. I just think it's it'll it'll come in handy. Very handy, I reckon.","start_word":2262,"end_word":2275,"sentiment":"positive","sentiment_score":0.5729745030403137},{"text":"Yep. Yep.","start_word":2276,"end_word":2277,"sentiment":"neutral","sentiment_score":0.31742528080940247},{"text":"All good.","start_word":2278,"end_word":2279,"sentiment":"positive","sentiment_score":0.5382229089736938},{"text":"So you would be comfortable with me maybe dropping back your risk cover a little bit and starting to pull you back a bit now? Probably things away there now for a while, I suppose, and Yeah. just give them another six months and see how we go Another and six months? Yep. Yep. That's yeah.","start_word":2280,"end_word":2335,"sentiment":"neutral","sentiment_score":0.0035503623075783253},{"text":"absolutely fine.","start_word":2336,"end_word":2337,"sentiment":"positive","sentiment_score":0.3348817229270935},{"text":"Yep. Not a problem. So another six months, and then we'll reevaluate the risk level for you. That month If in to the go. meantime Yeah. that's okay. If in the meantime, we see anything that kind of flags that we may need to maybe drop your risk level a little bit more, then I'll absolutely make sure I contact you to do so. Mhmm. Okay. If, say, the other thing to sort of think about is if were to, say, find the market took a big sort of dip, we saw a 20% drop over the next, say, one to two or three years, and it took a little bit longer for your portfolio to recover, would you be open to working longer than sixty, or would you still wanna retire at 60 knowing you're probably cementing some of those downtimes? I How probably do you feel about I that? probably just I probably wouldn't retire at 60. I'd just probably get a just withdraw a certain percentage out of my super and and go to 67 or something or Yep. or Okay. depends on the situation, I suppose, at the time. Yeah. Yeah.","start_word":2338,"end_word":2532,"sentiment":"neutral","sentiment_score":-0.06233613456671055},{"text":"Perfect.","start_word":2533,"end_word":2533,"sentiment":"positive","sentiment_score":0.5175321698188782},{"text":"So you would be comfortable to keep working longer to allow your portfolio time to recover in that instance. Yeah. Yep. That's right.","start_word":2534,"end_word":2556,"sentiment":"neutral","sentiment_score":0.2846744954586029},{"text":"Beautiful. Fantastic.","start_word":2557,"end_word":2558,"sentiment":"positive","sentiment_score":0.7328457832336426},{"text":"The other thing I just wanted to sort of have a look at with your risk profiling questionnaire is just how you sort of see yourself when you think about risk levels. So when you think about risk between a number between one and five, five being the highest level of risk, all invested in equities, or one being the lowest, all sitting in cash. Where would you sort of fit yourself? Do you think yourself more in the middle Probably about a about three or about four. a four? Yep.","start_word":2559,"end_word":2649,"sentiment":"neutral","sentiment_score":0.03801696375012398},{"text":"Beautiful.","start_word":2650,"end_word":2650,"sentiment":"positive","sentiment_score":0.3943558931350708},{"text":"That's okay. So a little bit low risk. Yep. Yep. So not the lowest, but probably on that lower risk sort of scale. Yep. Yeah. Yep. Absolutely. And have you ever owned shares or investments in your own name before? No. No. No. Nope. That's okay. All good. And if the market did take a or if you saw your super balance fall over, say, the next six months or the next twelve months, how do you think you might be feeling? Are you feeling a bit optimistic about the investment opportunities available to you? Are you a bit cautious about the drop It's concerned kinda or feeling hard to a say, bit anxious? really. Like, I'm not sure how long this was gonna get when I was there in America and that that that that might be all finished in another, what, twelve months or something. It's hard to say, but that doesn't help the economy and that sort of thing. Yep. Yep. So, No. That's yeah, sad to say, really. okay. Yeah. That's okay.","start_word":2651,"end_word":2826,"sentiment":"neutral","sentiment_score":-0.03691125024025413},{"text":"All good.","start_word":2827,"end_word":2828,"sentiment":"positive","sentiment_score":0.371277779340744},{"text":"And how the last question I wanted to sort of ask is how much risk are you comfortable taking in order to obtain greater potential returns? Do you think you're comfortable taking on a higher level of risk to get the greater returns knowing that you could feel the downtime much greater? Are you probably Yes. in Yes. the middle I probably there? Or I probably would. Yeah. Sorry. Yeah. Yep. I probably Yep. would just Yep. give it a go and, you know, I suppose it pays to take some risk sort of thing. Like, you got you gotta have a bit Yeah. of a go, I suppose. Yep. Yep. Absolutely. Yeah. Not a problem. All good. You just don't Sales know who it was. Absolutely. Now having a look at that one there, you have scored as more of a growth investor. So you've kind of made mention to me that you are happy to stay in that high growth environment just for a little bit longer. I'm comfortable leaving you there for another six months. We'll come back and Yeah. review things. Just Okay. knowing that Yep. whilst you do have that five year time horizon Yeah. that you are comfortable working longer if you need to. And then we'll come back in six months' time. If I need to speak to you earlier, I'll make sure I do. But, otherwise, February will do a bit of a catch up, and we'll talk seriously about reducing your risk level and what that looks like moving forward for your portfolio and and for Okay. your retirement aspect. Does that sound okay?","start_word":2829,"end_word":3101,"sentiment":"neutral","sentiment_score":0.06776019185781479},{"text":"That sounds good. That sounds good.","start_word":3102,"end_word":3107,"sentiment":"positive","sentiment_score":0.47190016508102417},{"text":"Yep. Yep.","start_word":3108,"end_word":3109,"sentiment":"neutral","sentiment_score":0.1979992836713791},{"text":"Fantastic. Excellent.","start_word":3110,"end_word":3111,"sentiment":"positive","sentiment_score":0.629761278629303},{"text":"Now the other thing to sorta have a chat about is the insurances. So on that last document that you did have open, that was your insurance and super summary. It ran through the updated insurances that you do have within your, BT life insurance policy. Yep. To give you a bit of an idea with your life cover, so it pays out a lump sum benefit if you were to pass away, you're currently insured for about $86,906. So if you think about that level of cover, if you were to pass away today, I do not want it to happen, but if you were for hypothetical purposes to pass away today, your beneficiary could then receive your life insurance of the $80,189,521. So it means the total life cover paid to your beneficiary could be around about 276,426. Hello? Is that kind of how did you want that to be sort of paid out to you? Who's your beneficiary? How would you like that My to be two received? sons. And the two sons? Yep.","start_word":3112,"end_word":3288,"sentiment":"neutral","sentiment_score":0.05640960038550156},{"text":"Beautiful.","start_word":3289,"end_word":3289,"sentiment":"positive","sentiment_score":0.3550761938095093},{"text":"I've got them noted down here for you as sorry. Is it Donnie and Sam? Is that right? That's correct. Yes. Yep.","start_word":3290,"end_word":3311,"sentiment":"neutral","sentiment_score":0.0752098336815834},{"text":"Beautiful.","start_word":3312,"end_word":3312,"sentiment":"positive","sentiment_score":0.369590163230896},{"text":"For 50% each to receive the That's the correct. insurance Yes. benefit. Yep. Yep.","start_word":3313,"end_word":3326,"sentiment":"neutral","sentiment_score":0.11439181864261629},{"text":"Beautiful.","start_word":3327,"end_word":3327,"sentiment":"positive","sentiment_score":0.38831424713134766},{"text":"On your super, I have your super beneficiary noted down to be Donny has to receive 50%, Mary has to receive 25%, and Sam has to receive 25%. Is It's that just how you it's just my two sons. Yeah. My mom passed away last last year, unfortunately. So, Oh, I'm so sorry. And yeah, that was that's Marie. okay. Yeah. So Yeah. it's just my Okay. two sons now. Absolutely. So what we'll do if you're comfortable is we'll need to update that super beneficiary nominations. So are Okay. you happy with us pre filling that for you so to nominate 50% each to to Donnie and Sam? Yep. Yep.","start_word":3328,"end_word":3438,"sentiment":"neutral","sentiment_score":0.039295077323913574},{"text":"Beautiful.","start_word":3439,"end_word":3439,"sentiment":"positive","sentiment_score":0.41618379950523376},{"text":"Yeah. If The you can DBN. send me another form, yeah, that'd be great. I'll just fill it out and send Yep. it back to you. Oops. Did you want us to pre fill the form as much as we can to make it easier, or are you happy just filling it out?","start_word":3440,"end_word":3492,"sentiment":"neutral","sentiment_score":0.0918376922326268},{"text":"That'd be great. Thanks.","start_word":3493,"end_word":3496,"sentiment":"positive","sentiment_score":0.654486894607544},{"text":"Yeah. Yeah. That's okay.","start_word":3497,"end_word":3500,"sentiment":"neutral","sentiment_score":0.2707926332950592},{"text":"We we're happy to prefill it out.","start_word":3501,"end_word":3507,"sentiment":"positive","sentiment_score":0.48648685216903687},{"text":"I've got Sam and Donnie's details here so we can fill that out for you. You're Yeah. comfortable Alright.","start_word":3508,"end_word":3526,"sentiment":"neutral","sentiment_score":0.2610335946083069},{"text":"with 50 Thank percent you.","start_word":3527,"end_word":3531,"sentiment":"positive","sentiment_score":0.36191344261169434},{"text":"Yep. paid. That's okay. 50% paid each way. Is that right? That's right. Yes.","start_word":3532,"end_word":3545,"sentiment":"neutral","sentiment_score":0.17783589661121368},{"text":"Beautiful.","start_word":3546,"end_word":3546,"sentiment":"positive","sentiment_score":0.49376392364501953},{"text":"And now the other thing to sort of confirm is with the beneficiary nominations, you have three types of nominations. The first one is nonbinding. Essentially, you're just telling the trustee this is what you want to happen, but on your passing, unfortunately, the super fund gets to make the decision as to whether they follow that or not. What? And non they have a nonlapsing sorry. A non they have a binding non lapsing. I apologize, which means you have to refill that format every three years, or we can do it non lapsing binding for you. So we'll fill it out now, place it on file, and it will never have to be updated unless you make that unless you wanna make that change. Which Well, okay. option That's would that's that's be sounds good. Yes. that sounds good? Yeah.","start_word":3547,"end_word":3688,"sentiment":"neutral","sentiment_score":0.04669908806681633},{"text":"Beautiful. That sounds good.","start_word":3689,"end_word":3692,"sentiment":"positive","sentiment_score":0.4113074541091919},{"text":"Yes.","start_word":3693,"end_word":3693,"sentiment":"neutral","sentiment_score":0.31085917353630066},{"text":"Excellent.","start_word":3694,"end_word":3694,"sentiment":"positive","sentiment_score":0.4585004448890686},{"text":"I'll have that form prefilled for you and sent to you. That way, you just need to sign it. Have two witnesses sign it as well. The witnesses Okay. just can't be the beneficiaries. So Sam and Donnie can't be the witnesses of that document. And if you've got, you know, a couple of neighbors, a relative, or someone else that can sign it with you, Yep. we'll No just worries. need you to have that witness sent back to us, and we'll have it applied and updated for you. Okay. Okay. No worries. That's all we'll do. Yep. Beautiful. And I'm so sorry for your loss. Oh, that's okay. Thank you. Yeah. That's alright. So when you think about that that 276 odd thousand of life cover paid out, is that are you comfortable with that amount? Did you wanna look at reviewing your life cover at all at the moment, or are you just happy with that? Not at the moment. No. No. No. That's okay.","start_word":3695,"end_word":3862,"sentiment":"neutral","sentiment_score":0.05456369066987896},{"text":"Beautiful.","start_word":3863,"end_word":3863,"sentiment":"positive","sentiment_score":0.5974761247634888},{"text":"You've also got TBD, so total permanent disability cover. Do you know what TBD is, how that works? Or Sort of. Yeah. yep. Sort of would be. Yeah. That's okay. Yeah. So TBD is a total permanent disability. So it's essentially paying out either a lump sum or an income stream if you're unable to ever go back to work again. The level of cover you have with BT Life is 86,906. So it means that in the event of claiming, that's how much you could claim on. If you are TBD, we can also try to claim against your super under the condition of release of incapacity. Are you fairly happy with that level of cover? Did you wanna look at reviewing that at all? Not at the moment. No. Or Probably probably yep. later on, though. Yeah. Yeah. Absolutely. If a little bit later Not a on. Yeah. yep. That's absolutely fine. If you ever decide you wanna review that, let me know. Not a problem at all. Okay. Yeah. I've also got down here. Now you don't have any other types of personal insurances like income protection or trauma. Has No. anyone ever No. spoken to you about those, or do you wanna look at understand what they are? I might Or talk about sorry. about six months of the phone. Probably in Six the months? next six months, I probably will. Yeah. Absolutely. With Yeah. your role now you're a butcher. Is that right? That's right. Yes.","start_word":3864,"end_word":4114,"sentiment":"neutral","sentiment_score":0.02097282186150551},{"text":"Fantastic.","start_word":4115,"end_word":4115,"sentiment":"positive","sentiment_score":0.4042201638221741},{"text":"Do you have much in the way of sick leave, annual leave, holidays, or Yes. savings Yes. you can kinda I do. fall back Yes. on? Yep. Yep. Yep. How much leave do you sorta have accrued if you're aware? I've got about three hundred hours at the moment, I Okay. believe.","start_word":4116,"end_word":4167,"sentiment":"neutral","sentiment_score":0.04604768566787243},{"text":"Beautiful.","start_word":4168,"end_word":4168,"sentiment":"positive","sentiment_score":0.582839846611023},{"text":"So yeah.","start_word":4169,"end_word":4170,"sentiment":"neutral","sentiment_score":0.31682074069976807},{"text":"Beautiful.","start_word":4171,"end_word":4171,"sentiment":"positive","sentiment_score":0.5504105091094971},{"text":"So in the event of not being able to go to work in the short term due to illness or injury, you'd have that 300 hours of leave to fall back That's on right. to provide Yeah. income. It'll come in Yep. handy.","start_word":4172,"end_word":4214,"sentiment":"neutral","sentiment_score":0.0029330516699701548},{"text":"That's absolutely. Fantastic. Well, that's great. So your sleep is working really well.","start_word":4215,"end_word":4227,"sentiment":"positive","sentiment_score":0.6127382516860962},{"text":"We'll give it another six months, and then we'll come back Okay. and review that together.","start_word":4228,"end_word":4243,"sentiment":"neutral","sentiment_score":0.20195360481739044},{"text":"You're happy with your insurances, so no changes to be made there at the moment.","start_word":4244,"end_word":4258,"sentiment":"positive","sentiment_score":0.41634446382522583},{"text":"Okay. Yep. We'll come come back in six months and have a chat about that as well. Okay. That's right. Did did you just to kinda give you food for thought, did you want me to have any questions around what the insurances are, life, PPD, income protection, or trauma, what those sorts of insurances payout, how they payout? Did you have any around any of those at all? Or It is would you would you be able to send me some information about them? yeah. Yeah. I can Rather break than down check that. them out and have Yeah. a bit of a read and Absolutely. I can send out an email that breaks down what the different types of insurances okay. are, how what they can cover you for, how they are paid to give you food for thought, and then I'll break down what you have here in the life and TBD. And then Okay. you can always come back with additional questions if you need to. You can always come back if you wanna have a look at what those types of covers are, and we can always review those. You're not limited to one call a year. If want me to talk to you every few months and we come back and review things again, that's absolutely If you want fine. two years, that'd be great Yeah. too.","start_word":4259,"end_word":4491,"sentiment":"neutral","sentiment_score":0.07086944580078125},{"text":"Fantastic.","start_word":4492,"end_word":4492,"sentiment":"positive","sentiment_score":0.5010481476783752},{"text":"I'll get that email out to you this afternoon so you've got that there for a bit of reading. Okay. Okay.","start_word":4493,"end_word":4513,"sentiment":"neutral","sentiment_score":0.30764901638031006},{"text":"Fantastic. All good.","start_word":4514,"end_word":4516,"sentiment":"positive","sentiment_score":0.41470369696617126},{"text":"Now I just also wanted to update a couple of details with you just to see if your circumstances has changed. So income wise, last time we caught up for your review, you were on about 50,000 per annum. Have you had any changes to income as your income increased? Or Not not the moment. No. No. no? That's okay. That's alright. So 50,000.","start_word":4517,"end_word":4580,"sentiment":"neutral","sentiment_score":-0.0005390003207139671},{"text":"Perfect.","start_word":4581,"end_word":4581,"sentiment":"positive","sentiment_score":0.4930981695652008},{"text":"Now it looks like you're not making any additional contributions to super. Are you in a position to be able to make it, like, salary sacrifice or additional contributions to super, or you're sort of not wanting to at the moment? What's your thoughts Not around at the moment. that? No. No. But I'll Yep. pop I'll I'll probably will think about that later on Yep. and Perfect. get back to you sort of thing. Yeah. That's fine. We can add that into the six month catch up if you like. That way, we can have a look at that. Yeah. Because, realistically, if you're wanting to retire in about five years, we wanna kinda give your super as much as a boost as we possibly can. Yeah. That's right. And Yeah. I don't want you to be taking on too much risk right up into the day you retire. We do wanna pull that back. We can supplement, you know, reducing the risk with adding some additional contributions to help boost your super a bit further. So That's what I are did. are are you comfortable with me maybe including that in the February conversation for you? Yeah.","start_word":4582,"end_word":4780,"sentiment":"neutral","sentiment_score":0.0668821707367897},{"text":"That'd be great. Thanks.","start_word":4781,"end_word":4784,"sentiment":"positive","sentiment_score":0.49404823780059814},{"text":"Yeah. We'll Yeah. we'll talk about that, and we'll Fantastic. talk In the to you meantime, later. it's yeah. In the meantime, it gives you something to think about, you know, what what you might be comfortable doing, how that might look for you, and we can all come back and have that conversation.","start_word":4785,"end_word":4838,"sentiment":"neutral","sentiment_score":0.19364243745803833},{"text":"Beautiful. Okay. Excellent.","start_word":4839,"end_word":4841,"sentiment":"positive","sentiment_score":0.4315677583217621},{"text":"Are you finding with your your expenditure that you're putting savings away on a regular basis at the moment, or is all of your income going towards your expenses? How are you finding everything at the moment? I'm saving I'm I'm saving a bit of money, but Yep. it doesn't cost a little bit on that sort of stuff kinda. You know? Expensive. Yeah. Yep. Trying to spend in the work sort of thing. But, yeah, I'm saving a little bit of money, but not a great Yep. deal sort of thing. But That's okay. If you were to quantify what you're saving on a weekly basis, how much do you think you're managing to put away? Sometimes a $100, sometimes 150, sometimes 80. It it varies Okay. on the on the week sort of thing. Okay.","start_word":4842,"end_word":4978,"sentiment":"neutral","sentiment_score":0.02090402597384731},{"text":"Beautiful.","start_word":4979,"end_word":4979,"sentiment":"positive","sentiment_score":0.4532521367073059},{"text":"Yeah. And you have a dedicated savings account that you're popping it into? Yeah. Just be over yeah. Just another account. That's all. Yep.","start_word":4980,"end_word":5003,"sentiment":"neutral","sentiment_score":0.0992928072810173},{"text":"Beautiful.","start_word":5004,"end_word":5004,"sentiment":"positive","sentiment_score":0.3587086796760559},{"text":"How much do you have in savings in that account at the moment? Probably about a 1,000. Yeah. Perfect. bit Excellent. over And grand just with your other assets, sort now I've got your of car. What kind of car do you drive thing. at the moment? Just a ute, Engine. Yep. Beautiful. We had a value on that last year of about 6,000. Would you still keep that value at about the same, or what would you value your vehicle Fair and at ute. now? We need about that, about $5.06, probably about that too. Yep. Yep.","start_word":5005,"end_word":5102,"sentiment":"neutral","sentiment_score":0.06344350427389145},{"text":"Beautiful. Fantastic.","start_word":5103,"end_word":5104,"sentiment":"positive","sentiment_score":0.453772097826004},{"text":"We also had your motorcycle. Do you still have that one? I've got another one now. Yeah. It's a different one, but yeah. That's okay. We had a value of your motorcycle about 12,000. Is it valued about the same, do you think? Or This one's about 20,000. okay.","start_word":5105,"end_word":5153,"sentiment":"neutral","sentiment_score":0.030811816453933716},{"text":"Fantastic.","start_word":5154,"end_word":5154,"sentiment":"positive","sentiment_score":0.355740487575531},{"text":"This And what is kind not of very vehicle old at all. no. That's okay. What kind of motorcycle is it? It's a Yamaha 700.","start_word":5155,"end_word":5179,"sentiment":"neutral","sentiment_score":-0.08788076043128967},{"text":"Fantastic.","start_word":5180,"end_word":5180,"sentiment":"positive","sentiment_score":0.34181004762649536},{"text":"It's a '25 Seven model. 100. Yeah. Beautiful. And do you get out very much on it? In the summertime, I do. Yeah. Yeah. I take the Yeah. work at that and drive around the weekends, that sort of thing.","start_word":5181,"end_word":5220,"sentiment":"neutral","sentiment_score":0.0684828331694007},{"text":"Fantastic. That's excellent.","start_word":5221,"end_word":5223,"sentiment":"positive","sentiment_score":0.788242518901825},{"text":"And do you have any debt selling on this one, or is it owned outright? No. I'm just pulling that off at the moment. How much do you have owing on it still? Oh, I just started probably I don't know, to tell you the truth. How much did you borrow originally for it? About 20,000. About About 20,000. twenty thousand. Yep. That's okay. I'll just note down here that you borrowed 20,000 initially, that you've just started paying it off, so it might be a little Yeah. bit Yeah. lower. I'm not sure what's on the at the moment. Yeah. That's absolutely fine. Not a problem at all.","start_word":5224,"end_word":5332,"sentiment":"neutral","sentiment_score":0.008375292643904686},{"text":"Beautiful.","start_word":5333,"end_word":5333,"sentiment":"positive","sentiment_score":0.368778944015503},{"text":"Now I also had down here as an asset some tools. You had a value on those combined of about a thousand dollars. Would you keep that about the same or update that lower? What do you At the moment, about the same. Yeah. Yeah. yep. Beautiful. Yeah. Fantastic. And are you renting where you live at the moment, or is it owned? Or Spreading. Yes. renting? Sorry. Yep. If it fits, yes. Yep. Beautiful. And how much rent are you paying on a weekly or fortnightly Three basis 60. currently? $3.60. Perfect. That's pretty good, Brent. Is that per week? That's per week. Yes. Per week. Yep. Beautiful. And do you have any other investments, shares, cryptocurrency, any, you know, No. other savings or assets or anything else you'd note down? No. No. No. That's okay. A weird one that I tend to put down is content. Do you have contents insurance? Or Not at the moment. I don't know. no. That's okay. It's a bit strange, but the contents are still technically an asset. While they do tend to devalue over time, it's an asset for centrelink purposes down the track. But if you had to sort of if you tipped your house up, so then and everything fell out, all the items that fall out are technically contents. If you looked at that to replace, it could cost quite a significant amount. If you thought about your contents, what sort of replacement value would you put on those, do you think? Tough one, though. I'd probably say 45, I suppose. 20,000?","start_word":5334,"end_word":5597,"sentiment":"neutral","sentiment_score":-0.015551873436903186},{"text":"Fantastic. Excellent. Well, thank you so much for updating those details there for That's me.","start_word":5598,"end_word":5612,"sentiment":"positive","sentiment_score":0.4197087585926056},{"text":"alright. And, Janette, just confirming, as but, you know, there's a nonsmoker. That's correct? No changes? Yeah. That's right. No. Yep.","start_word":5613,"end_word":5633,"sentiment":"neutral","sentiment_score":0.0052907406352460384},{"text":"Beautiful. Nice and healthy. Love that.","start_word":5634,"end_word":5639,"sentiment":"positive","sentiment_score":0.5262126922607422},{"text":"Estate planning wise, have you ever had a will drawn up? Power of attorney? Have you ever sought Not the services the moment. on No. the stuff? No. That's okay. Is it something that's on the list to do? Have you considered I haven't got one yet. Let's no. see. No. That's okay. It is something to think about. And I know a lot of people sort of say to me, well, I don't really have a lot in the way of assets. But when you look around, you actually probably do. If you think about things that might be family heirlooms that you might wanna have passed to someone specifically, you might wanna request some money to, you know, to a a a a charity or someone that's, you know, near and dear to yourself without having a will. And I know with having, you know, your mom passing in the past, you probably were aware well aware of the estate planning aspect to it. But if you were to pass away currently without a will, you pass away intestate, and that essentially means that everything has to go through a legal process. So people from your past can come forward to take a claim on what they think they're Mhmm. entitled to with your assets. And going through a legal process means that the legal system makes a decision on who gets what. So it may not be passed the way you want it to be. It may mean if you're wanting everything to be handed down to your two sons, that they may not get the opportunity to receive it the way you want them to. So as much as it is a bit of a cost, having a will is really important to do. It can be a simple will can cost, you know, $1.02, $300. You can even get a will kit from the post office and complete it correctly, or a more complex will can cost a little bit more. But if you've got a bit of money aside, it is definitely worth speaking to a solicitor and having something Yeah. That's drawn right. up Yeah. to protect you. Yeah. Yeah. So definitely That's keep right. that in mind if you you know, we'll definitely revisit that again when we talk in six months' time. But, yeah, Yeah. That's feel right. free to Yep. Okay. have a think about that and just have a one day when you're sort of standing at home, have a bit of a look around at everything that you do have and just maybe have that think about what would I what would happen if something happened to me if I was to pass away? What do I want how do I want everything to be passed down? Who do I want to receive certain things? What, you know, do I and it means selling off your car. It means selling off your motorcycle. It also means all of your contents. You might have family airlines or things that you held for for as a child or things that have been passed down from other family members to yourself that might be really important to keep aside. So it is definitely worth having a think about how you would want things to be passed to people. Yeah. Yeah. So bit of food for thought there for you. It is definitely worthwhile thinking about and and speaking to a solicitor to do those sorts of Okay. things. And I'll make sure I revisit those in February when we come back and and revisit the conversation again for you. Alright. Okay. My wife's Yeah. yep.","start_word":5640,"end_word":6253,"sentiment":"neutral","sentiment_score":-0.012614636254232947},{"text":"It feels Oh, good. good. Fantastic. It's looking forward at future goals.","start_word":6254,"end_word":6265,"sentiment":"positive","sentiment_score":0.5916370749473572},{"text":"Now we're looking at, your retirement and at about 60, noting that you would be comfortable working longer if you needed to there as well. That's right. Yes. Is there any other goals that you might have at the moment? Not at the moment. No. No. That's okay. Enough How at the do moment. you No. that's okay. Have you thought about how you wanna spend your time at Giz? What do you wanna be doing? Almost sure to hear the truth. That's why you just think about it. Oh, yes. Oh, no. Five Yeah. years? Yeah. Yeah. I'm not sure at the moment. So yeah. That's okay. Few motorcycle rides, maybe traveling as much as you can. Yeah. Is there Probably any kind of the air project? beer. The travel would be Yep.","start_word":6266,"end_word":6399,"sentiment":"neutral","sentiment_score":0.0690532997250557},{"text":"nice. That'd be nice.","start_word":6400,"end_word":6403,"sentiment":"positive","sentiment_score":0.5575990676879883},{"text":"Yep. I went to the countryside Beautiful.","start_word":6404,"end_word":6410,"sentiment":"neutral","sentiment_score":0.28798040747642517},{"text":"and go overseas Beautiful.","start_word":6411,"end_word":6414,"sentiment":"positive","sentiment_score":0.41276857256889343},{"text":"and sort of thing.","start_word":6415,"end_word":6418,"sentiment":"neutral","sentiment_score":0.3008662164211273},{"text":"Yeah. Excellent.","start_word":6419,"end_word":6420,"sentiment":"positive","sentiment_score":0.5301617383956909},{"text":"One of the other things I would like to sort of have you think about between now and February as well is what kind of income that you might think you need to live on. So, essentially, what we wanna do when we are updating the advice and looking forward towards your retirement is looking at what you might need to live on on a regular basis. Yeah. And because you are renting, rental definitely come into an effect there as well. So if if you can over the next few months, just have a think about whether you would be needing to replace your current income. So you're on about $50,000 per year at the moment. Would you just wanted to draw down the same income you have, or is there a different specific amount of money you think would be appropriate for you to draw down on a weekly or fortnightly basis from super to live on in those time years? Because we'll look at that as a bit of a goal and look look forward. Yeah. So one of the things that we do like to do is utilize the time between now and when you're wanting to access super.","start_word":6421,"end_word":6623,"sentiment":"neutral","sentiment_score":0.18839597702026367},{"text":"We project everything forward.","start_word":6624,"end_word":6627,"sentiment":"positive","sentiment_score":0.3741976320743561},{"text":"We do utilize past data for investments to see how they have performed and what we expect things to how we expect them, sorry, to react in the future. Yeah. Righty. But we Yeah. also I'll I'll I'll talk about that too. Yeah. I'll I'll think yep.","start_word":6628,"end_word":6674,"sentiment":"neutral","sentiment_score":0.15039171278476715},{"text":"about that and and, All yeah, good.","start_word":6675,"end_word":6681,"sentiment":"positive","sentiment_score":0.3456657826900482},{"text":"I'll I'll think about that one, and we'll Yep. discuss that later sort of thing and see Absolutely. what the gut is. Yeah. I've given you a little bit of homework this week, haven't I? There we Yeah. Because what yeah. No. It'd be good.","start_word":6682,"end_word":6726,"sentiment":"neutral","sentiment_score":0.16498321294784546},{"text":"Because when we look at projecting things out, we look at, you know, how the the outcome of when we get to the retirement age that you're after, how long your super is expected to last, and how we can supplement that at 67 by maybe adding in Centrelink and what that looks like to sort of show you longevity and what we're expecting project wise out of your super. So it kinda shows you where we're tracking for, what we hope to expect out of that, and then we keep providing advice and updating it for you as as you track forward there.","start_word":6727,"end_word":6830,"sentiment":"positive","sentiment_score":0.43960481882095337},{"text":"Okay?","start_word":6831,"end_word":6831,"sentiment":"neutral","sentiment_score":0.33241260051727295},{"text":"All good.","start_word":6832,"end_word":6833,"sentiment":"positive","sentiment_score":0.594017744064331},{"text":"Now I know I've touched on a lot, Donald. Do you have any questions for me? Is there anything that I may not have touched on that you were wanting to speak about, or do you have any questions in relation to anything I have pulled up? Just just wondering about the fees. Have the fees gone up? Have they? Or So that's the other thing I was gonna definitely bring up with you is our ongoing service fee. So it has definitely changed a little bit. The fee you were on last the last couple of years was a set percentage fee of 1.65%. And that essentially as an ongoing service fee of 1.65%, it means that it does fluctuate with the market. And it does mean that as your super balance increases over time, the more we expect to receive also does increase with it as well. This this year, however, we have changed our fee structure. Do you receive the newsletter very often? Do you read that? Yeah. It just says here that a fixed dollar ongoing number Is Member yep. advice fee here is $3,293. Yeah. So what's what's changed what's changed with our ongoing service fee is that we've set it to be more of a fixed dollar. So we've got a tiered structure now. It basically means that from your balance being 0 to 200,000, the percentage remains at 1.65%. We actually go and calculate that 1.65%, and then we add 5% as growth on top of that. Then when your ongoing service agreement, we actually add that as a fixed dollar figure fee.","start_word":6834,"end_word":7103,"sentiment":"neutral","sentiment_score":0.0433733598018686},{"text":"And the reason we're doing that is because it actually works out better for you.","start_word":7104,"end_word":7118,"sentiment":"positive","sentiment_score":0.5044779777526855},{"text":"We're in county we're incorporating that 5% growth, but on the old fee structure, if you've got, you know, 15% growth, then our fee increases along with that additional growth. Whereas right now, it won't. It means that you will not pay any more than what is being noted here. I believe the fee structure, the dollar figure should Okay. say $3,283.45. So it actually gives you a lot more clarity around what that fee is going to be, and we won't charge any more than what's being said there. The other change with our fee structure is that it's also a tiered structure now, a little bit like the tax system. So if you think about the tax rates, yeah, every time your income goes up, you go into a new tax bracket. Okay. With our Got ongoing it. Okay. service Yep. Yep. fee, as your balance increases, our fee bracket actually decreases. So our ongoing service fee for balances of 0 to 200,000, that's at 1.65%. Once Yep. your super balance reaches that 200,000, you then go into the next tier structure, and that reduces your ongoing service fee for balances over 200,000 to 500,000. We then charge 1.375. And then when your super balance goes over 500,000, you drop to the next tier structure, and that becomes 1.1 Okay. 0%.","start_word":7119,"end_word":7341,"sentiment":"neutral","sentiment_score":0.05231557786464691},{"text":"So I don't understand.","start_word":7342,"end_word":7345,"sentiment":"negative","sentiment_score":-0.3880122900009155},{"text":"each, yeah, so each tier actually drops a little bit. So as your balance increases, And we work that out essentially as a percentage. We add the five percent of growth to the total, and then we give you a set dollar figure fee in your annual in your, ongoing service agreement. So you know exactly what you're gonna pay this year, and it's encompassing 5% growth. But if you get 25% growth, it it doesn't increase your fee. The next year, we just readjust it and do the dollar figure again and show you what you're expected to pay. So it's Okay. actually working Alrighty. out, Hey.","start_word":7346,"end_word":7453,"sentiment":"neutral","sentiment_score":0.03861310084660848},{"text":"Good. Good. yeah, it actually works out more beneficial for you because that ongoing service agreement tells you how much you're going to pay regardless of what happens, Okay.","start_word":7454,"end_word":7482,"sentiment":"positive","sentiment_score":0.39022862911224365},{"text":"Yep. and it gives you more certainty. And as your balance increases, each tier that you drop down decreases in the percentage that you pay us. So it Oh, tends okay.","start_word":7483,"end_word":7513,"sentiment":"neutral","sentiment_score":0.18034029006958008},{"text":"to work out a little bit better over time for you as well.","start_word":7514,"end_word":7526,"sentiment":"positive","sentiment_score":0.3514312207698822},{"text":"Does that make sense? Yeah. It makes sense. Yeah. No other tool. Yep. I understand now. Yeah. Yeah. Yeah. It's giving you a lot more certainty around the ongoing service fee, and it still encompasses the agent's the super looking after your super and everything around that. We still provide advice and wanna keep tracking forward, and there's no implementation fees for any new advice around the super system there. So we just wanna make sure things are working harder for you and then, you know, making sure that we're continuously working on your behalf and in your best interest. But we do have to charge a fee for doing so, but we try Yeah. to make it as fair as possible. Yeah. Does that That's make sense? alright. Do you have That's alright. yeah. No worries. Okay. Oh, good.","start_word":7527,"end_word":7666,"sentiment":"neutral","sentiment_score":0.14376625418663025},{"text":"Fantastic.","start_word":7667,"end_word":7667,"sentiment":"positive","sentiment_score":0.4960859715938568},{"text":"So if you are comfortable to stay on board for the next twelve months, we do ask that you sign the ongoing service agreement there for me. If you're comfortable Okay.","start_word":7668,"end_word":7698,"sentiment":"neutral","sentiment_score":0.21603266894817352},{"text":"comfortable to do so now, that would be fabulous.","start_word":7699,"end_word":7707,"sentiment":"positive","sentiment_score":0.4966253936290741},{"text":"If you wanna take No it back worries. and read it through, that's fine. That's it. Is it working for you? Yeah.","start_word":7708,"end_word":7729,"sentiment":"neutral","sentiment_score":0.1558842658996582},{"text":"It sure is. Fantastic. Okay. It's it's loading now. So Yep. Beautiful. And so just to kind of recap, everything's working well.","start_word":7730,"end_word":7751,"sentiment":"positive","sentiment_score":0.4787521362304687},{"text":"We'll give your super and your portfolio another six months. We'll come back in February. We'll do a catch up. Okay. We'll then That we'll then reassess, one's know, your risk level, your retirement goals, your retirement income, and maybe some salary good. sacrifice there and revisit the insurance aspect for you as well. Is that right? Am I on the right track with that? Yep.","start_word":7752,"end_word":7817,"sentiment":"neutral","sentiment_score":0.12054235488176346},{"text":"All good. Thanks.","start_word":7818,"end_word":7820,"sentiment":"positive","sentiment_score":0.39957553148269653},{"text":"And this it just been now. Sorry.","start_word":7821,"end_word":7827,"sentiment":"neutral","sentiment_score":0.11896506696939468},{"text":"Fantastic. Oh, fantastic. Thank you so much. It's just come back to me. I appreciate that, Donald. Thank you That's so right.","start_word":7828,"end_word":7849,"sentiment":"positive","sentiment_score":0.4972598850727082},{"text":"much. No other call.","start_word":7850,"end_word":7853,"sentiment":"neutral","sentiment_score":0.12067686766386032},{"text":"Thanks very much for your call. Appreciate that. My pleasure. Anytime. You have an amazing afternoon.","start_word":7854,"end_word":7869,"sentiment":"positive","sentiment_score":0.5236737728118896},{"text":"I'll talk to you in six months unless something comes up that I need to sort of touch base with you earlier. In Okay. the meantime, we'll get your beneficiary nomination for your super updated and sent to you. And That'll I'll be also great. send Thanks. you a little email just outlining the income protection, the life, the TPD, and the trauma policies just so you can have a look and compare what you have versus what you might think you need down the track. Okay. Okay? No worries.","start_word":7870,"end_word":7959,"sentiment":"neutral","sentiment_score":0.161507248878479},{"text":"Well, thanks so much for that. Appreciate it. My pleasure. You have a lovely afternoon. It's been an absolute pleasure catching up with Yep. You too.","start_word":7960,"end_word":7985,"sentiment":"positive","sentiment_score":0.7205895781517029},{"text":"Okay. you.","start_word":7986,"end_word":7987,"sentiment":"neutral","sentiment_score":0.24775782227516177},{"text":"Thanks very much.","start_word":7988,"end_word":7990,"sentiment":"positive","sentiment_score":0.5868552923202515},{"text":"Talk to you soon. See Okay. you later. Bye now. Bye.","start_word":7991,"end_word":8001,"sentiment":"neutral","sentiment_score":0.188826322555542}],"average":{"sentiment":"neutral","sentiment_score":0.08169129701690965}}}}