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And then, hopefully, Sergio will turn up partway through, and we can continue on with his side of things and then answer any questions together that you both might have. Does that sound okay? Fantastic. Excellent. Angela, before I jump into the call, I do have to let you know, and I will let Sergio know when he arrives as well, that we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And then just to do a security check there with you as well, I'll just need to confirm for me your full name, your date of birth, and address I should have on file. Yep. Fantastic. Beautiful. Thank you so much for that. Angela, as part of the annual review, I did send through some documents to yourself and Sergio to kinda go through. Are you able to open your emails there at the moment? If you can't, that's honestly okay. Yeah. Absolutely. This makes it a little bit easier so you can see what I'm looking at. Yes. So the that that's what the sorry. The ongoing service agreement and the tax file consent attached. The documents I'm actually gonna go through are below, and they're the attachments there. One of those attachments, it should say performance with internal rate of return. I'm just checking to see which one is yours because we do have all the documents attached for you both. I'll see if it's kind of separated for you. It is. Oh, beautiful. And you're looking at your performance with internal rate of return there? It should have the date and then your name at the top. Yep. Beautiful. So with this one here, having a look at things, now these documents were prepared a few weeks ago. So I do apologize. We rescheduled last time. I, unfortunately, was extremely unwell. But if you have a look and go to the second page of that document, it essentially shows you what your super last year at this time was a 165,650 and 67¢ there. When we look at the market value now for the balance as of the 07/23/2026, you're up to a $184,019.50 there. And I'm just going because this was just a couple of weeks ago. If I go back to just your super account there now, I can grab you an updated balance for today's date as well. And yeah. So it shows you're at a 190,700 and 35. Yeah. Lovely little increase on that since then. Beautiful. Perfect. So your super balance has definitely been increasing, which is good. That's what we wanna see. When we look at how that has performed in this year, we have seen quite a bit in the way of ups and downs with the market and everything that's been going on both here in Australia and also overseas. Your portfolio with regard to this performance report shows that you're up by 5.80%. So, realistically, when we think of it as a percentage return in the growth portfolio environment that you're in, we're trying to obtain around about a seven to 9% on a yearly basis there. So it is a little bit of an underperformance for the year, but we do know that there are gonna be years of the portfolio and may not perform exactly where we want it to be or as high as normal. Looking at things this year with everything has gone in, you have got a positive result. So it is good to see. Not everyone likes it as a percentage. So if you look at the column in front of that, you'll see total earnings as a dollar figure. And the number you should see there is 12,925 and $45.46 cents. Can you see that one there? Yeah. So it shows you that your portfolio has made income plus growth within the last twelve months of $12,925.46 there. And then since then, we've had a bit more growth on top of it. So your portfolio, sorry, has generated a further, a higher return there as well. So it is really good to see. We are on track for sort of moving forward there a little bit. But but, admittedly, and I'm honest, the return is a bit lower than where we would like for the with everything that's been going on globally. Okay? Beautiful. Now one of the things that I also look at, and I had a bit of a look at your portfolio earlier, if you scroll back to just the first page there for me, we've got in your performance report in the first page all the individual investments that you do have within your portfolio. You'll see at the top there, you've got some Benelon Australian equities, some bank hybrids, some cybersecurity. You've got the QR, which is the Raffi 200. You've also got some battery lithium tech, some physical gold, some bonds, some s and p 500, that's some American exposure, and then some property at the very bottom there. If you look at the second last column at the other end there, you'll see the internal rate of return, and this is showing you how all the individual investments have performed individually in the portfolio. Realistically, all of them have performed really, really well except for essentially two. The Ben along Australian Equities is showing it's down by about 23.55%. So that could definitely be having an effect on holding your portfolio back a little bit. So when I reviewed things before calling you, I had decided I already wanted to look at switching this one out for you. So I do wanna update some advice, look at removing the underperforming investment. Also probably looking at removing the property if it's not performing very well as well, because it's also down by 1.85. So I'd probably like to just make some changes if you're comfortable with me reviewing the super and the investments and maybe just updating your portfolio and doing a bit of switch out to make sure things are working better for you and updating the portfolio to reflect changes in the market conditions. Does that make sense? Do you have any questions? Are you comfortable with that? Yeah. Yeah. Beautiful. Beautiful. So sorry. I just had a quick drink of water. I do apologize. Do you have any questions? Does all of that make any sense? Is there any anything on those reports that kind of you had additional questions on or would like me to maybe answer there for you additionally? Yeah. Beautiful. Fantastic. If you ever find you do get these reports and you're a bit confused or had any additional questions, please let me know. Part of what I love about being an adviser is the educational value because, you know, none of us grew up understanding or learning any of this at school. So if you do wanna, you know, have any questions or learn anything additional, please let me know. I love to break things down and and definitely have a look at it. I have been updating a lot of the portfolios over the past few months there and have been able to remove and along and find more cost effective ways of investing. There are a couple of different ways to invest, and I've got a few different portfolios that we can realistically look at. Just wanted to sort of when we look at the way you can invest all the different investment styles, there's two main styles of investing. One of those is an active management style. An active management style is having in there. So Bannalong is an active managed fund. The manager of that fund is supposed to be trying to buy and sell and outperform against the market, but they haven't been able to do so due to the underlying issues. Did you want me to look at replacing that with something similar to Banyan that maybe has that active management in it, or would you like me to just look at investment that might be cheaper, save fees, maybe more passively invested? So passive investments distract the market. And more often than not, over time, passive investments actually do outperform active managers. Do you have any more questions? Yep. Yeah. Yeah. So you would like to have a portfolio that maybe has some active management in it for you. Is that right? Yep. Yeah. Beautiful. I do have an option where I can include a little bit of an active manager in there for you. It's absolutely not a problem. Now just sort of having a look, and one of the things we do like to look at when we're talking about investments and risk level is your goals. So having a look at things at the moment, Angela, now we originally had here that you were hoping to be able to access super and retire around about the age of 60. Is that still your goal age there for TriNet wanting to access super? Yep. Yeah. Beautiful. Now given your age, so you're 42 this year. 41 currently. I'm the same age as you, so please don't feel like I'm making you feel older than you are. But it does essentially mean that you have about eighteen years until you're able to retire. Being in that growth portfolio environment and having an active manager in your portfolio, it still still suit sorry. It still suits your time horizon. So because you have eighteen years towards before you're able to access your super at this stage, you do have you are able to take on a little bit more risk in the market. If you were, say, about five or six years away from retiring, I'd be suggesting we very heavily reduce risk level and maybe not have that active style in there. But if you're comfortable with taking on a little bit of extra risk in the market and maybe having an active manager and they're trying to outperform against the market, I'm absolutely happy to do that. Is that where you'd like me to sort of look at portfolio wise for you? Yes. Beautiful. Do you have any questions? I know I can go through quite a lot, and I try to make it as less complex as possible. But is there any questions? Did you want me to break anything down more for you? Does that all make sense? That's okay. Yeah. Absolutely. Most definitely. Not a problem at all. Well, what I'll do is I'll go back and have a look at your suit and the investments there. I'll definitely look at maybe replacing some the Ben along with something else that we have more of an actively managed fund towards. And I'll also consider passive investments that are working harder, see if I can reduce the investment cost within your fund as well. You know, having more money invested for you works harder for your retirement. So I'll see what I can do with the portfolio to incorporate that passive invest sorry, active investing style as well as try to, you know, limit the cost to make sure your the portfolio has shown great past performance. Okay? Fantastic. Well, I'm really happy with how things have performed. We definitely wanna keep building on that and compounding things moving forward. Just wanted to also go over and have a chat about your insurances. Now with your insurance cover sorry. Is Sergei is Sergei at home now? I can hear him in the background. Oh god. Oh, okay. No. That's fine. That's okay. We'll let him do what he needs to before he jumps onto the call. No issues at all. Sorry. I thought I wasn't sure, and I thought I should just quickly pause for you. But, honestly, it's all good. If you need to stop for the kids, it's totally fine. Oh, that's really wait. No. Please don't ever apologize. That's beautiful. You've probably had some great things occur. All good. Now with your insurances, when we sort of went through the advice of you, is that we looked at just keeping group cover for you due to the pre assessments. New cover was gonna be very expensive and very hard to obtain. So when we look at your life cover, if you were to, say, pass away today, the life cover pays out a lump sum benefit of 206,741 and 18¢. But then your super is also paid out on top of that. So if I factor all of that in sorry. I'm just doing some really quick math here for you as well. Alright. Two. Beautiful. So if we sort of thought about your insurance cover, if you were to pass away today, with your life cover plus your current super balance, all up, the amount paid out would be about 397,475. Are you fairly happy with that amount? Did you wanna look at altering that, and what, you know, what would you essentially want that to pay off or pay out to? Mhmm. Yep. Yep. Okay. Yep. Beautiful. So you're happy with them receiving anything over, say, 100,000 as a life benefit in the event that you passed away? Yep. Yep. Fantastic. Now you don't have any TBD covers. The TBD is total permanent disability, and it can pay out either a lump sum benefit or an income stream in the event that you're not able to ever go back to work again. We don't have any TBD. I'm more than happy to go back and see if we're able to obtain something for you based on your circumstances. But is having disability cover important to you, or you're just not worried about it? Like, what would happen if you were unable to go back to work ever again? Does Sergio's income cover the bills? Or No. Yes. Okay. Yep. Yep. Absolutely fine. Not a problem at all. Excellent. And, look, the other thing to sorta consider is that if you are unable to ever go back to work again, say you, you know, broke your back or you had a car accident, could never go back to your role again, as long as the doctors are willing to say that your total you've got total incapacity, we can also also claim against your super. So that would be an extra 190,000 that we can release. Being as you are under the age of 60, unfortunately, it does become taxable, but we, as advisers, can look at what we can do to sort of help you along those lines to minimize the amount of tax. But you can get access to your super in that instance. So if anything was to happen, just feel free to let please let us know. We'll look at what we can help you to claim on. And if you ever decided that you did maybe need to look at, TBD insurance, let me know. I'm more than happy to go back, and we can assess your health and then and see what kind of contracts might be on offer there. Is that okay? Beautiful. Excellent. The other type of insurance you do have is income protection. So at the moment, you've got a a monthly benefit payable in the event of being off work due to illness or injury in the short term of $1,113.91. I'm thinking about a $1,113 on a monthly basis if you were not able to go to work. Do you have much in the way of sick leave, annual leave, long service leave that you could also fall back on to provide additional benefit on top of the income protection payment? Yep. Yep. Sure. Sure. Yep. You can do. You're absolutely correct. Yes. So you just have to be off work for ninety days prior to being able to make a claim on the income protection. And then you can be on a claim for up to five years to say if you had a car accident and you broke your back and you were off work for, say, three or six months, you could be on the claim. The amount paid out is pretax, so they do also tax you on that. So, say, rough estimate might be about $900 on a monthly basis paid out to you. But in that instance, with Sergio still working and you mentioned your daughter also works, does that amount feel sufficient? Would you wanna look at trying to increase that to meet more of your needs, or are you fairly happy with that income protection level that you have? I'd have to have a look at the yeah. You're right. I'd have to have a look at the quotes and find out what that might look like. I could, if you wanted me to, go through as part of the advice and maybe make a recommendation to increase the income protection to be more in line with needs and show you the cost and the effect on your super if you wanted to. Would you like me to do that for you as part of the advice document? Yep. Yeah. Yeah. Yeah. I'm just pulling up the pre assessment details that we completed a while back just to sort of look and see what might have changed in your circumstances there because the pre your pre assessment that we completed would definitely give me an indication of why we weren't able to get additional cover on top of this. Sorry. It won't be a second. I'm just looking for the workbook. Let's have a look. It's around December. All good. But, yeah, if I include that into the advice, if that's sort of what you're after, then you can sort of see not just the cost of the premium, but also how what kind of effect that has on you because in the insurances are also paid out of super. So it can over the next sort of couple of years also have an effect on your super there. It looks like I don't have much in the way of previous information on the health side of things. Sorry. I'm just going back through our records. And we've had a system change since we last sort of went through things you. So I'm trying to kinda go back through the old system. I do apologize about that. Mhmm. Yeah. That's like I think it was, like, the end of twenty twenty three that we kinda went through 2023, '24 that we went through and kind of re onboarded everything and adjusted it all. What I would probably like to do, if you're comfortable with that, is I'd love to do another pre assessment for you. So get one of my beautiful team members to give you a call next week, get her to do a quick five minute pre assessment with you just so I can have a look at, you know, what kind of contracts might be on offer, what the cost might be, and look at how we can look at increasing the income protection for you. Does that sound okay with you, Angela? Yep. Fantastic. And then they'll give me some updated records to work on for you too, which is really great. You may may have mentioned that with income protection, you can be covered for up to 70% of your gross income, so pretax income. Did you want me to look at increasing it up to the maximum that you can be on to kinda give your family the best possible expenses to outcome in the event, or is there a certain amount, like you said, one point, you know, 1,500 on a monthly basis you'd be fairly comfortable with, what would you sort of think or feel? It is yeah. And it's gross. So it does also have an effect like, it's also considered a taxable income. Yep. Yep. So what say anything over 1,000 per week net, so after tax to make it easier. Yep. Yeah. Absolutely. Not a problem at all. So I'll look at increasing the income protection. I'll look at all the options and see what we come out with. If for any reason I can't get another option for you, I'll come back and have that conversation prior to us, going to the advice document just to make sure that you're aware of everything and talk about what your options might be moving forward. Okay? Fantastic. Now there are other types of insurances, and, look, honestly, we can insure everything to the health. Your main personal insurances are life TBD income protection. You can also hold other covers like trauma. So trauma pays out a lump sum tax free benefit if you are, say, diagnosed with, say, Parkinson's, MS. Cancer's a big one. People claim trauma for strokes and heart attacks as well. The main difference with trauma versus life TV and income protection is trauma is an out of pocket cost. You can't actually pay for trauma inside super. Did you feel like you would like to get some additional coverage, say trauma as an additional benefit, or are you happy just with what you've got with the income protection in life and look at increasing income protection? What's your thoughts there? Yep. So sorry. Absolutely. So you're happy with the income protection side of things to cover your income. Happy to increase that. Happy to keep the life. You're not worried about CBD or any trauma benefit. Yep. That's okay. Beautiful. Absolutely fine. And there are additional, like, child benefits and things like that. How many kids do you and Sergio actually have? Yeah. Wow. Oh, wow. 14 years of age. Beautiful. And so your son's 14. Your daughter's 21. Is that right? Yep. Yep. Beautiful. I mean, mean, amazing ages. How is it with boys going through at teenage years? I'm about to do that. So anything you can give me advice wise will be perfect. Oh, wow. Yep. Oh, yep. Yep. Thank you for that. Yes. I'm about to hit those teenage years with my son. I have not done boys before. I had girls. So I've been asking all my friends, like, how was it? What did you do? How did you deal with it? Yeah. Yeah. Different. Goodness, ma'am. Well, I think you're doing amazing, and I hope you feel you're doing amazing. You're doing a great job. Excellent. No. All good. We'll look down the track if the kids ever wanted to talk about additional insurances, life cover, and things like that. We can certainly look at helping them out. Your daughter is a bit older for child cover, so there are additional, you know, insurances aside from what you have for yourself that you can put in place to cover your children as well. Your daughter being 21 is a bit over the age to get child cover, and your son is almost the cutoff point for child cover entry as well. So but it's just it's more just a lot of people tend to have those sorts of things to cover, you know, their children if they were to, heaven forbid, for you know, pass away, or we have had clients where their kids have been diagnosed with cancer or a major illness of some sort, and they've claimed on that child trauma policy to kind of provide a little bit of extra benefit allowing them to take time off while their kids are seeking treatment. So there's all those other options, but, yeah, your son is almost at that cutoff point. Your daughter's a little bit too old for those there. But down the track, if they ever decide they wanna look at life insurance and things like that, you're welcome to direct them our way, and we're certainly able to help them in that aspect as well. Okay? Excellent. Beautiful. So we've gone through your super and your life cover and income protection side of things. I've got a really good idea of what we'll do moving forward, and I'll make sure before the end of the call I book you in to have a pre assessment with my colleague and my admin team here. Just to sort of update a few additional details for yourself, Angela, Income wise, we had you on about 100,000 last year. Is that still correct or if you had a pay rise since we last caught up? Yep. Yep. Beautiful. And I also had expenditure wise. So you guys were able to save about $600 on a weekly basis from your income. Are you still finding that that is possible, or has things changed a little bit with your savings and your expenditure recently? Still possible? Yep. Fantastic. Excellent. And you're still down as a a nurse educational officer with TAFE New South Wales. Is that still correct? Beautiful. And I've also got your car down here with an asset value of 32,000. What sort of car do you drive? Beautiful. Lovely. And would you still value that at 32,000, do you think? Yeah. Yep. Yep. Beautiful. That's okay. And with the debt value, we had you guys owed about 25,000 on that vehicle. Do you still have a loan on the car? Yep. Beautiful. And is it still valued sorry. The loan's still about 25,000, or have you been able to reduce that since then? Yeah. You're fine. The loan, 25,000. That's okay. Did you consolidate it into your loan? Yes. Yep. Yep. That's okay. Not a problem at all. So when consolidated into your home loan, what does that mean you owe on your home loan now? Oh, no. No. That's okay. That's alright. We had about six six 120 five thousand here last year. Do you think it'd be roughly around the same with the consolidation, or do you think it might have increased by about 20 or thousand? Okay. Beautiful. Because, yeah, I had about $6.25 here from the last valuation. So do you think I just add the extra sort of 25,000 on top of that to give the rough valuation for the mortgage? Yep. Yep. Beautiful. That's okay. Not a problem. All all good. Thank you for updating that. And what kind of car does Sergio drive? Corolla. Beautiful. Hatchback. That's That's okay. I I can always have a look at, you know, the rough valuation of that make and model if you like to see what the average would be. Absolutely. What year model is it? Yep. Yep. Beautiful. Beautiful. Is it like a sports or anything fancy, or is it just more of the standard? Nope. That's okay. Beautiful. I can go back and have a look. I've got a few options for looking at research data on those sorts of things. To look at the average valuation, it's not a problem at all. And assets wise, do you have any other assets, any other shares, cryptocurrency, collections, or anything else of value that you guys would note down? No. That's okay. Another one I like to note down is contents. Because, realistically, if you think about something happens, if you tip your house upside down and everything fell out, that's all considered content. And we ensure that to make sure it's it's covered in the event that something happened to our home. Do you have contents insurance? Or nope. That's okay. Do do you know what you might value your contents at if you had to sort of replace everything? If you're not sure, that's okay. Yeah. Yeah. Sorry. I asked all the tough questions. Yeah. Yeah. Yeah. So to give you a bit of an idea, the average contents replacement costs for an average household in Australia is around but it's between 80,000 to a 150 thousand. Yeah. Yeah. Yeah. They estimate that if you had to replace everything, so your house burned down or something happened, the average cost of replacing everything in your household from your cutlery, your underwear, your kids' clothes, your TVs, everything could be anywhere from 80 to a $150,000. Yeah. Yeah. Yep. Yeah. I can put maybe a 100,000 for you if you like this sort of note in average. Yeah. Absolutely. Perfect. Fantastic. Okay. Oh, much lower than we thought. Fantastic. 561. I love that. Fantastic. Yep. Fantastic. Well, that's really good to know. Beautiful. And thank you for updating all those details. I will just convert that information over to back find there as well. Is he available to jump on the call with us now so we can kinda go through his super insurance details as well? Hi, Sergio. I'm Dana. It's lovely to meet you. How are you? Yeah. Did you have a good day at work? Oh, that's good. That's good. Thank you so much for jumping on to your annual review there. So, dear, I before I jump into the go through things with you, I do have to let yourself know that we do record our calls for quality and training purposes. Are you happy for me to continue recording the call? Beautiful. And I am going through your personal information. So I just need to confirm your date of birth and address I should have on file for you as a quick security check there as well. Yep. Beautiful. Lovely. Beautiful. Thank you so much for that, and happy birthday for seventeen days ago. I hope you had a good day. No worries. All good. So now I did send through some documents to your email giving you an update on your super and insurances. Are you able to log in to your emails? If you can't, they are also attached to Angela's email there. It's up to you how you'd like to go through those, or I'm happy just to give you the information. What would you like to do? Yeah. No worries at all. Easy. So, Sergio, with your super balance, this time last year, your super balance was sitting at 68,438 and 71¢. As of this year, and I'm just giving you because these documents were prepared just a couple of weeks ago there. So your super balance as of the July 24 was sitting there at 72,230 and 24¢. And then just checking it from today's value because it has changed. You're now up to 75,739, so it's great. You've had some additional growth in there on your super, which is fantastic. When we when we look at how things have performed over the course of the last twelve months, now you're super whilst you have made some good growth there, overall, we when we think about the growth and the income, you're actually down. It's just sort of down under about 1%, so 0.52%. So it is being held back a little bit by, obviously, market reactions. You've had you know, your super balances increase. You've had some income reduces there. But overall, the growth is showing it's down a little bit. As the as this sort of went through with Angela, I have sort of noticed there are some investments that are underperforming in your super. So I would like to update the advice for you and look at removing those investments and replacing them with something else, making sure things are working harder for you. Are you comfortable with that, and do you have any additional questions there at all? Yeah. Yep. Yep. You yeah. Absolutely. Absolutely. I wanna make sure things are definitely working harder for you. And I think one of the things to sorta consider the difference being between yourself and Angela there is that you are in different risk profiles as well. So she's more growth, whereas you're more high growth. So you're actually wanting to take on a little bit more risk in the market than where Angela is. So it does mean at times of ups and downs with the market is a bit more volatile that you are that you do have the risk of seeing more of a negative return over where she might not see one. So are you still comfortable taking on that sort of high growth environment taking on more risk, or would you like to sort of draw it back a little bit? Do you think what's your thoughts around that? Yeah. You're still happy with that? Beautiful. Before we end the call, I'll just run through a really quick risk profile questionnaire with each of you just to kind of gauge where you're both sitting risk wise just to make sure everything is on par. But, realistically, with your time horizon, you know, I've got here that your goal was that you're sort of hoping to access super around about the age of 60. Is that still correct for yourself, Sergio? Yep. Yep. Absolutely. Well, I mean, you do have eighteen years before accessing super. We can't access super until the age of 60. So I'll go back and look at maybe updating the advice. Are you both comfortable if I do this advice document together? So it's one advice document for both of you, or did you want separate advice pieces for each of you? What would you guys like? That's you're right. Oh, I'm so sorry. The phone sort of went a little bit cut out. I could hear I couldn't hear much, and I was like, I'm not sure if you're both still there. So sorry. Apologize, Angela. With the advice piece there, if you like, I can do one advice document to both of you outlining the recommendations I'm making to both of you. Would you both be comfortable with me doing that, or would you like me to separate the advice into individual? What would you both like moving forward? Yep. Yes. Absolute absolutely. I I can set the advice up so it's, you know, to both of you, and then we have individual recommendations within the advice piece, and we just go through that together. I do like to sort of incorporate that as a couple moving forward for a lot of aspects. I mean, you still got eighteen years ahead of you, before accessing through for this stage. But when you sort of think about it, the closer you both get to that retirement aspect, having advice done together does work well for you both because we will, as we get closer to retirement, wanna look at how to access those funds. And, you know, retirement itself does mean incorporating everything within both your supers plus all of your circumstances as a whole. So if you are comfortable with me consolidating the recommend like, the the advice document, I can do one advice document for both of you with separate recommendations within that to show you what I'm recommending, how, and why. But it just means it's one document, and it kinda outlines everything for the two of you. Are you both happy with that? Yep. Yep. Beautiful. Fantastic. So, dear, the other thing to sorta have a chat about there is your insurances. Now having a look at your insurances, your your cover is a little bit different to Angela's. You've got life cover, and it basically shows that if you were to pass away today, your life cover would pay out a benefit of 868,219. Now the other thing to remember is that if you were to pass away today, your life benefit is paid out, but then your super balance is also paid out on top of that. So we also then have an extra 79,000 in super there. So, realistically, in the event of you passing away today, your life cover and your super could pay out a benefit of over 947,000, which realistically could pay off the mortgage and then leave Angela with a little bit extra money to take some time off or to, you know, grieve and look after the kids and things like that. Are you happy with that level of cover? Did you wanna review that at all? That's fine. Beautiful. Beautiful. And I'm sorry for making the assumption, but just concerning, if you Yeah. Yeah. Yeah. That's a really good question. And so with your your life benefit and your, super, we essentially put a beneficiary nomination on those products to show what happens if something happens to each of you. The other aspect is if something happens to both of you, that's where a will comes into play. Have you guys spoken to a solicitor or had a will drawn up in the past at all? No. So it is definitely one thing to consider. So your super benefits and your life proceeds have beneficiaries to cover if one of you pass away. But then having a will drawn up by a solicitor and having the direction that if anything happened to the two of you, then everything gets paid to your estate. But then how is it paid to your children? How are your children looked after? And having a guardianship in place as well. So your daughter's 21, but your son's still only 14, so he's, you know, still technically a minor. So who would you trust to look after him, and how would you want all of your, you know, money paid out to look after them in the future. And that's something that is done by a qualified solicitor or a lawyer. You can also, depending on your comfort level, get a will kit drawn up. You can buy a will kit fairly simply from the post office about 30 or $35 currently. As long as they are filled out correctly, they are valid. But, personally, I I prefer to go and see a qualified solicitor to draw up a will just so I know it's it's done with my direction. We've had a really good conversation of what happens if we pass away, and we understand what's happening with the kids. It considers this a guardianship aspect and also power of attorney. So if in the event that you are unable to make decisions on on your own behalf, who would you appoint to be your attorney to make decisions, and what would you how would you want them to act on your behalf as well? Does that make sense? Yeah. Let me just double check that one for you. So with Sergio so, Sergio, you're super. You've got a binding non lapsing beneficiary nomination, and you've nominated 50% of each of your benefits. So 50% of your super to go to Liam and Leila, each of your children. Are you wanting that updated to reflect being paid to Angela, or are you happy with that? And, actually, Angela, your super benefit's exactly the same way. So 50% paid to Liam and Leila in the event of your passing. So it basically means that if one of you pass away, the benefit bypasses, technically, the other person. Leila is entitled to 50% of the benefit and Liam 50% of the benefit. The way this would yes. Yeah. Yeah. 50% to each child. Yeah. The way this would realistically work, like, Angela, if I use your super as a as a bit of a guide, if you were to pass away and say you've got your 190,000 in there, Layla is your daughter. She's 21. Is that right? Yes. So if Layla is working and not a tax dependent on you, she receives 50% of that benefit, but she has to pay or she receives 50% of the benefit minus 17% for tax because tax is paid on that amount. Liam, as being 14 and being a minor, he technically wouldn't receive the benefit directly. It would go to his guardian, which would probably be Sergio. So that means Sergio would receive 50% of the benefits for Liam. And because they are technically tax dependent, they received the benefit tax free. So Leila would actually receive the benefit minus 17% tax. So she could actually receive a lesser benefit. The other way that you can structure it is to have it paid directly to your partner. So you have it paid to Sergio. Sergio have it all paid to you. Each person receives it a 100% tax free, and then you can distribute whatever you want to your children from that aspect. Does that make sense? Yeah. State planning is very complex, and there are tax consequences depending on who you have it paid to, how old they are, whether they're tax dependent or not. It is quite a complex area, unfortunately. Yeah. Yes. Yeah. Yeah. Yeah. That's absolutely fine. So this is sort of just planning for if one of you passed away, what would you want to happen to the proceeds? And then it's just important to maybe speak to a solicitor and draw up a will to reflect if something happened to reflect if something happened to both of you. That way, everything would be paid to your estate, and your kids could be looked after that way in the event of both of you something happened to both of you at the same time. Does that make sense? Yeah. Yep. Beautiful. Yeah. It is a new beneficiary form. I can reflect that into the advice document for you just to outline it all and kind of break it down so you can see it all on paper, and then we could absolutely do that. And we'll we'll get a new beneficiary form updated, and we're happy to help what we can to make it easier on the both of you. Does that sound okay? Fantastic. So, Sergio, we've confirmed that your life insurance is fine. Your TBD cover, so total permanent disability, has the same level of cover. If you were never able to go back to work again, you're covered for 868,219. And, again, if you would never be able to go back to work again, we can also try to claim against this super. Now as I kind of just went through with Angela, TBD, if you're unable to go back to work ever again due to disability, unfortunately, it is taxed. So there could be tax on that payment. But do you feel like the level of cover you have is appropriate? Did you wanna look at reviewing that level of cover? Yeah. That's okay. Yeah. So it just means that you're covered for about 868,000, plus your 79,000 of super to cover you. Do you feel like that's enough TB disability cover at the moment? Yep. That's okay. If you're ever talking about it and you wanna review that, you're both welcome to let me know. We can always have another conversation, talk about what your needs or what you want, and then kinda go from there. Okay? Excellent. Now you've also got income protection. Your income protection benefit just pays a monthly benefit pretax of 3,000 675. If you think about now your income I'm just grabbing your account. I do apologize. What is your current income? What are you earning at the moment? I think I had here last time you were on about thousand. Okay. Yeah. So a thousand is that 1,000 a week net or gross? Yep. Net. Okay. Beautiful. That's okay. So, realistically, so your take home pay is about 52,000 per annum. So you're on just over 60,000 a year. Do you know have you done your tax or seen your final pay for last year? Do you know do you know what you earned last financial year total gross? Yeah. Yeah. Okay. So if we work on, say, $6,060,000 as a bit of a buffer there, with income protection, you can cover up to 70% of your income if you're off work due to illness or injury. So based on an income of 60,000, you would need to be covered for a monthly benefit of 3,500. So your monthly benefit that you're covered for of $3,006.07 5 is slightly over that, but it means that if your income is up to, say, 62 or 63,000, you have a a little bit more cover to, you know, to provide for expenses if you're not able to work. Does that make sense? Do you have questions? That that's okay. You are you happy with that level of cover for income protection? It's pretty well on par for what you're earning. Yeah. Yeah. It is gross. So just like I kinda said to Angela, if you are on an income protection claim, realistically, you will pay tax on that. So the amount you receive is a little bit lower. But, yeah, it it they kind of have to account for that. Unfortunately, insurances aren't all tax free. It's wrong. It shouldn't be that way. But, yeah, look. You're covered for the monthly benefit of 3,675. And as long as you're comfortable with that, theoretically, you get on a monthly basis a little over 3,000. Do you think that would be fairly comfortable for you? Yes. Yep. That's okay. After the call, you're both welcome to sort of have a little chat about what we've gone through. If either of you find you have additional questions or need any additional information, if you like, I can also do up, like, a general email which is with the amount of cover that you both have and just a bit of a rundown on what those covers cover, just some general information to kinda give you a little bit of backup. Would you like me to do that for you after the call as well? Well? Yeah. Beautiful. Just because I know I go through a lot, so more than happy to break it down and send a bit of a recap just to go through the important things so you can sort of see it on paper and go, oh, maybe this isn't right. Maybe we do need to look at this, and you can always come back and let me know if there's more conversations to be had. Is that okay? Yep. Beautiful. Fantastic. So with I've updated a lot of the same things that we sort of spoke about, Angela, just with your expenditure and savings, you guys are able to save around about $600 on a weekly basis. Is that together between the two of you? Yes. Yep. Beautiful. Excellent. Let's update that. I've updated all your assets and liabilities as well. Sergio, I've got you down as being a community care worker. Is that still fairly accurate for your title? Yep. Fantastic. And I've got one dependent here, so two children. I've got your age to access the same. We're looking at age 60. I believe in retirement, the two of you were originally sort of looking at an income of about a thousand dollars a week. Would you be looking at maybe that from each of your supers, or would you be hoping to get that from both of them together, maybe a thousand dollars of income in retirement together? How would you sort of quantify that? Yep. Yeah. Absolutely. Absolutely. Yeah. No. Not a problem at all. We can certainly factor that in for you. I also had additional goals here in retirement wanting to be completely debt free. So hoping to have the mortgage paid down by that time. Is that right? Yep. Beautiful. And then I've also got down here insurances we've gone through. In the next five years, you'd love to have another property purchase. Is that still maybe a goal that you do have together? Or yeah. Perfect. Not a problem at all. Excellent. And, Sergio, the only other thing to sort of talk about insurance wise is that you can get other types of insurance cover. So things like trauma, which is paid out of your back pocket, but can pay out a lump sum tax free benefit in the event that you'll stay diagnosed with MS, Parkinson's, cancer, have a heart attack or a stroke. Did you wanna look at getting any additional trauma insurances, or you're happy with the life, the TBD, the income protection you have? I think you've got fantastic. Not a problem at all. Excellent. The other thing to sort of talk about is I had a note here that you both just so want wanted to ask more about additional investments and things like that. Feel free to go for it now. What can I help you with? What sort of questions did you have in relation to that that I can help you with? Mhmm. Mhmm. Yep. All good. Sorry. The phone cut out. I do apologize. So you're sort of looking at ways to utilize your in order to buy property. Is that right? Hi. Yes. I can. Yes. I'm sorry. No. Don't. It's honestly absolutely fine. That's not a problem at all. Honestly, it's all good. I just just to kind of recap the question that you both had. So you're looking at ways to be able to utilize your super to maybe buy property. Is that right? Like, an investment property. Is that right? Yeah. Mhmm. Yep. Absolutely. Yeah. Yeah. Definitely. So, realistically, the only way that we did have to be able to use our super to buy an investment property was to have a self managed super fund. So in the super fund that you both have within hub twenty four, we're able to hold listed properties. So we can hold investments in property funds. In order to buy an actual house, we we used to have to have a self managed super fund, and we used to be able to get a loan within that super fund where the super fund would own the house. The rent would pay that down and our contributions, and then by our time, we would have to sell the property or find a way to have the income cover, you know, our living expenses. Unfortunately, as of the last week of June, and as of essentially seven days ago now, the government has changed the rules on self managed super funds. So we can no longer hold a loan within a a super fund to hold residential properties. So they don't let us do that anymore. The only way you could hold have property within a self managed super fund now is to buy a commercial property and get a loan for that or to have enough money to buy the property outright, which don't quite have at the moment. So it means that, realistically, we can't use super to do that currently. There are other options where you could look at your borrowing capacity and speak to a mortgage broker to see whether you could buy an investment property and what sort of what your borrowing capacity might look like or how much you can borrow based on your expenses, I could certainly refer you through to a mortgage broker to do that. We don't do that because we don't have a credit license, so it's not something financial advisers do without a credit license. But I can refer you through to some great mortgage brokers who can have a look at your borrowing capacity, have a look at your family circumstances and your expenditure, and see whether or not you're able to get a loan and what you might be able to borrow. They also take into account what kind of equity you have in your property as well, and what kind of rental income you might be able to receive from the possible property there as well. So there's a lot of things to take into an account there. When it comes to sort of holding a property, generally, we have a thirty year loan term on properties because it lowers the amount of of repayments we make, and it's easier for servicing. It does mean that with eighteen years to the age of 60, getting a new another property now means that you're extending your loan. So as an example, you owe 560,000 on the property at the moment. If you then borrow, if you then release equity and draw another 100,000 off the property loan to put towards, you know, getting a new property and say you then had to borrow 500,000 on top of that, you would have three loans. Your main primary residence loan, which is essentially the $5.60 you have owing now, then you've also got an equity loan, which is that extra 100,000 sitting there, and then you've also got the investment loan as well, which is the extra 500,000 you've borrowed. All three of those loans would be reassessed at a thirty year loan term. So it means you can pay them down in that eighteen years if you've got extra cash and can, you know, pump money into it faster. But, realistically, most people then would end up with a mortgage into retirement, whether it be all the loans or just the investment loan into which means that we would have to factor in the drawdowns from super to account for the loan aspect that you are still paying back as well. Does that make sense? Yeah. Yeah. No. I mean, it's definitely not something you can't do. I would be more than happy to put you in contact with a broker now to at least have a chat about your options. That's generally the way it works. But if you wanted to speak to a mortgage broker, there's no harm. There's no cost to yourself. It's completely free. They get paid by the lenders, the loans that they write. And if you don't have servicing capacity, then they'll let you know. But at least if they look at what you've got, what your servicing might be, or how much you can borrow, it kind of then gives you an idea as as to whether you wanna go the property route. The other side of it is if you're wanting to build wealth to kinda supplement super, we can also look at investments outside of super. Sorry. We can look at investment bonds or investment portfolios very similar to your super where you can be putting money into the into the share market and building wealth to supplement. And we can also look at salary sacrifice or making additional contributions to your super to provide a boost there so you can access super at the age of 60 and have hopefully more money invested. So there are other ways that we can look to invest money. It doesn't have to be property. But at the same time, it's it's more just down to what your goals are, what's important to you, whether you wanna have a property. The other aspect is you might decide to hold off on property. But because you've got your daughter who's 21, if she's working and saving, she might wanna buy something down the track, and you guys might be able to join into the loan with her and buy something jointly. And that might be, you know, something down the track to give you a little bit of a an investment side of things, but also get her into the market as well. So there's those other options down the track for you as well that you can explore. Yeah. Yeah. Yeah. Yeah. Absolutely. They can yeah. Sorry. You're right. Yeah. Yeah. Yep. Yeah. Fantastic. And there's a a lot of people at the moment. I've spoken to some clients where, you know, they might be buying a property with their child. It might be fifty fifty split or, you know, it could even be a sixty forty split child into smaller portion than the parents due to the servicing aspect. But it means that, you know, come the age of 60, if she's then got a really good income, she could buy your share of the property out, which alleviates and, you know, bring gives you guys the capital back plus some additional growth depending on what she buys it for. And that could also help to supplement super down the track as well. So there are those other aspects and differences different ways to assess it. We sort of look at I always look at a thirty year loan term, but the mortgage broker might be able to also look at, say, a twenty year loan term for you or a twenty five year loan term for you and show you what the mortgage or payments might be on that. And then if you get pay rises in between that or if you decide not to keep the property longer, there's there's other things that can definitely change. So eighteen years is still a long time away. And if it means that you just work an extra five or six years, it might not be a bad thing. We might be able to be super enough to pay the the loans off. There's lots of different options out there, but I do think maybe just having that initial conversation with the mortgage broker might be worthwhile looking at what your options are, the servicing capacity. Maybe, yeah, when you join your daughter into the conversation and have a chat about what she might be able to bring to the table and how this could benefit her as well. And, yeah, just wanna see what what might be comfortable for the three of you or the two of you. Does that sound okay? Yeah. I'm sorry. It's a very broad answer. It's very hard to kinda give you definite, but it's kinda giving you options, and it's not saying, no. You can't do this. It's just looking at other ways to sort of make it work for you because there's not a black and white scenario. Financial advice and finance in general can have gray areas, and sometimes sitting within those gray areas can be where you find the benefit or where you find something that works for you. Does that make sense? Yep. Be beautiful. The mortgage broker I'll refer you to is Brooke. The email we send is to you and her. So it's an introduction from myself to you and to her, and then she'll make contact to make a time to have a chat with you guys about the servicing, and look at your borrowing capacity and kinda go from there. Does that sound okay? Yeah. Do you have additional questions? Have I answered everything that you had, or did you have more questions that you wanted to bring up with me? Yeah. Yeah. Yeah. That's okay. Fantastic. The last thing I just wanted to do with the both of you is a quick risk profile questionnaire. So I'm just gonna go through a couple of questions just to sort of assess whether or not you're in the correct portfolios currently and whether we keep the risk level that you have got. The first one I have for each of you is just if you saw the markets fall by 20% over the next sort of one to two years, how do you think you might react individually? Do you think you'd consider it a buying opportunity, maybe put more money into the market? Are you wanting to maybe hold and wait and speak to us, or are you a bit concerned and maybe wanting to sell the investment to cash? How do you think you might react? Yeah. Yeah. Mhmm. Yep. Yep. You'd you'd wanna sort of look at how to maneuver the investments to mitigate the risk of the market going up and down. Yep. And that would probably come with a conversation to us to see what we recommend you do and how we react in that instance. Yep. Yep. Beautiful. Sergio, how do you think he might react? Yep. Yep. How do you think you might react? Do you think you'd be buying in as a buying opportunity? Yep. Perfect. Perfect. The next question here is when you think about the risk level that you're taking now, Angela, when you think about risk out of a number between one and five, one five being the highest level of risk, one being the lowest, you're sitting about a three. So you're kind of mid range there. Sergio, you're probably sitting at more of a two. Sorry. It's not three. Sorry. Sergio, you're sitting at a four because five is the highest. I'm sorry. So, Sergio, you're in high growth, which is more of a four. And, Angela, you're sitting at more of a three, so you're a little bit lower risk. Do you both feel comfortable with where you're sitting there? You you're you know, with where you are. So, Sergio, you're taking on higher level of risk, you wanna get greater long term returns, but you also know that when the market hits a down point, that you'll feel those downtimes and that it can be magnified slightly more. Whereas Angela being more of a three out of a level of five means that you're sort of sitting in the middle. You're taking a little bit less risk in the market. You're still gonna feel the ups and downs, but not as great as someone in that high growth environment. Does that make sense? And do each of you have questions, and do you both feel comfortable with that level of risk that you're taking? Yep. Yep. Beautiful. So to give you a bit of a breakdown on the different portfolios that you're both in. So, Sergio, you're in a high growth environment. So you've got about 90% in those growth investments. So think about Australian shares, international shares, listed property, and then commodities there. With the high growth environment, you expect an annual compounded return of around about eight to 10% on average. So anything over 10% means the portfolio has overperformed. Anything under 8% means it has underperformed. But it also means that you're expecting a negative year, generally, about one in every five years. And this sort of investment portfolio suits someone who has about eight years before they're accessing that their super there. Sergio, are you still comfortable in that kind of environment? Are you happy with that? Did you wanna keep that for another year? You've sort of scored in that environment and that sort of area, but just making sure that's where you're comfortable. Yep. Beautiful. And, Angelo, in that growth environment, you sort of see about 80% in those growth assets. So, again, those Australian and international shares, property, and commodities like gold and silver. You're expecting around about a seven to 9% as an annual rate of return compounded. The likelihood of a negative return does occur sort of one in every five years as an expectation, and this sort of portfolio happily suits someone who's got about six years before accessing their super. So you are taking a bit less risk than where Sergio is, but, admittedly, your balance is also slightly higher than his. Are you happy in that environment? Are you happy with that growth area? Did you wanna that further? Mhmm. Mhmm. Mhmm. So, realistically, Sergio is when you think about the risk level, is taking a greater level of risk. He's got a smaller balance. When you're when you have a higher balance, you can take a higher level of risk. It's not a problem there. It's more about your time horizon, how long you have before you're wanting to access those funds. So if you were, say, five years away from accessing your super, I'd be absolutely pulling you back and saying, you know, we need to, you know, not act not take so much risk now. Realistically, with taking more risk in your super, you will feel that more. So if you if you both were in the high growth environment or even if you both saw a 5% dip, if you think about your balance as opposed to Sergio's balance, with a 190,000 super, you're gonna feel a 5% drop much greater than Sergio will. So it comes down to individual comfort levels. I mean, if you think about I work in this industry. So if my super got a 5% dip and I had 600 k in super, it wouldn't bother me because I wasn't touching the money. I know the market will come back, but it's more of an individual comfort level for each of you. Theoretically, we wanna boost, yes, Sergio's balance up as much as possible moving forward as well so that when you both get to retirement, if you've got balances that are fairly even, then we can be drawing income fairly evenly. Whereas if we get to retirement and your balance is higher than Sergio's, we'll probably take more from your super to supplement so we can kind of keep them dropping on an even keel. Does that make sense? Yeah. Yeah. Yep. Yep. That's that's the goal. Definitely. Yeah. The income does definitely come into it as well. So because your income is technically higher, your contributions are also higher there as well. Would either of you be comfortable looking at maybe salary sacrificing or adding more money into super to provide a greater boost to retirement income, or are you sort of hoping to look at the the property side first? What would you feel? Mhmm. Yeah. Yeah. So in the area that Sergio does work, they do have that salary packaging side of things. But most employers will also offer an option where they can increase contributions from your payroll into your super, and that's sort of more salary sacrificing. The alternative is you can do it from your bank account. It doesn't have be done through your payroll. You can always do deductible contributions where you're putting money from your bank account into your super. And then at the end of the financial year, we claim a a notice of intent, and that can also provide a bit of a tax deduction for you as well. But doing it that way means you've just gotta be a little bit more comfortable putting the money in on a regular basis from your bank account. So it does require a little bit more, you know, continue out continuity there, wanting to put that in from your bank account because it's very easy to dismiss one or two here and there and stop doing it. But it's also your comfort level. You can hold off and see where things are next year, and we can always look at it again in a year or two's time. It's more up to what your preference is for each of you. Yeah. That's okay. We're happy just to hold off on the salary sacrificing and additional contributions for the time being. Yep. Yep. Absolutely. Perfect. Well, just to kind of recap, I'll send an email shortly just with the information around the the insurance side of things to each of you, what you have, but then a little bit of information around the different insurances to kinda give you both a bit of a a follow-up on the call that we've had. And then just with the advice aspect, I'll do a joint advice document just assessing the super and the in the portfolios that you're in to replace any underperforming investments and look at what we can do over the next five to ten years to sort of provide that booster. And then I'll also incorporate the estate planning, so just making sure beneficiaries are all paid to each of you in the event that something happens to each of you. And for yourself, Angela, I would just also include the income protection. So looking to increase income protection benefits for you. Does that sound accurate? Have I missed anything there at all? No? Fantastic. And I'll get the email for this broker. Yeah. Sorry. Excellent. Now the only other thing I need to do is just to book you in for a quick pre assessment with my admin team member. Is there a day or I know afternoons generally suit better for yourself. Is there a day that would prefer just to run through that? It only takes about sort of five to ten minutes. That's okay. Okay. Perfect. So, absolutely. What if we make it nice and easy? Is it okay if I was to book that one in, per se, this Wednesday at 04:00 for you? Would that be at all okay? Yep. Be fantastic. Yeah. I'll add a little text message reminder there for you. My admin team member, Samantha, will give you a call. She'll just run through the pre assessment and then send it to me so I can assess that as part of the advice document for you, and then we can get that all ready to go. Does sound okay with you? And what I might also do is I might also just because you guys prefer an afternoon appointment, rebooking your advice presentation for a few weeks as well, just so we because afternoons do book up really quickly. So to make sure we get you both in, the next afternoon available I actually work, late on Thursday afternoons. Would maybe Thursday, September 10 suit either of you? Or Yeah. Otherwise otherwise, I could do the week before. Yep. Yep. Beautiful. Fantastic. I can do so we can do sort of 04:30 like we did today, or I can make it 05:00 for you. What would be your preference? Yeah. Yep. Yeah. Fantastic. So I'll book that one in there for you for the September 10. That's at 5PM there. Easy done. That's all booked. That way, you've got that time slot for the advice presentation. We'll go things through things together, and then you'll have some time to read it over there as well. In the meantime, I'll get those other aspects done, and that email will come out to the mortgage broker very shortly for you both. Okay? Fantastic. That's okay. Is there anything I may not have missed or any other questions that either of you had that you thought maybe I should that you wanted to ask me while you've got me here at all. I'm so sorry. We have gone through quite a lot already. Nope. Yep. Absolutely. Yeah. Absolutely. I'll also send you that email so you'll have my email address so you can always reply back with anything that you need. Or if you'd need another time, just let me know. Not a problem at all. Okay? The excellent. The only other thing to let you know is that the the ongoing service agreement is in that annual review pack there for you. So you do both pay an ongoing service fee. It's 1.10% at the moment as you're a couple onboarded together. If I can just get you both to sign and return those back for us, that just allows us to continue providing our services and updating advice for you moving forward. Okay? That's that's the one the signature required. Yes. So you'll both have one in your emails. If you both can just pop in there and sign and return that back for me, that would be fabulous. Okay. Fantastic. Thank you so much for your time. I really appreciate it. I and tell Sergio thank you. I hope you both have a lovely afternoon. My pleasure. Will do. Thanks, Angela. Talk soon. See you later. 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Angela. It's Dana again from OQ Financial. How are you again? Very well. Thank you.\n\nAre you okay if we start going through your part of the annual review now? And then, hopefully, Sergio will turn up partway through, and we can continue on with his side of things and then answer any questions together that you both might have. Does that sound okay? Fantastic. Excellent.\n\nAngela, before I jump into the call, I do have to let you know, and I will let Sergio know when he arrives as well, that we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And then just to do a security check there with you as well, I'll just need to confirm for me your full name, your date of birth, and address I should have on file. Yep.\n\nFantastic. Beautiful. Thank you so much for that. Angela, as part of the annual review, I did send through some documents to yourself and Sergio to kinda go through. Are you able to open your emails there at the moment?\n\nIf you can't, that's honestly okay. Yeah. Absolutely. This makes it a little bit easier so you can see what I'm looking at. Yes.\n\nSo the that that's what the sorry. The ongoing service agreement and the tax file consent attached. The documents I'm actually gonna go through are below, and they're the attachments there. One of those attachments, it should say performance with internal rate of return. I'm just checking to see which one is yours because we do have all the documents attached for you both.\n\nI'll see if it's kind of separated for you. It is. Oh, beautiful. And you're looking at your performance with internal rate of return there? It should have the date and then your name at the top.\n\nYep. Beautiful. So with this one here, having a look at things, now these documents were prepared a few weeks ago. So I do apologize. We rescheduled last time.\n\nI, unfortunately, was extremely unwell. But if you have a look and go to the second page of that document, it essentially shows you what your super last year at this time was a 165,650 and 67¢ there. When we look at the market value now for the balance as of the 07/23/2026, you're up to a $184,019.50 there. And I'm just going because this was just a couple of weeks ago. If I go back to just your super account there now, I can grab you an updated balance for today's date as well.\n\nAnd yeah. So it shows you're at a 190,700 and 35. Yeah. Lovely little increase on that since then. Beautiful.\n\nPerfect. So your super balance has definitely been increasing, which is good. That's what we wanna see. When we look at how that has performed in this year, we have seen quite a bit in the way of ups and downs with the market and everything that's been going on both here in Australia and also overseas. Your portfolio with regard to this performance report shows that you're up by 5.80%.\n\nSo, realistically, when we think of it as a percentage return in the growth portfolio environment that you're in, we're trying to obtain around about a seven to 9% on a yearly basis there. So it is a little bit of an underperformance for the year, but we do know that there are gonna be years of the portfolio and may not perform exactly where we want it to be or as high as normal. Looking at things this year with everything has gone in, you have got a positive result. So it is good to see. Not everyone likes it as a percentage.\n\nSo if you look at the column in front of that, you'll see total earnings as a dollar figure. And the number you should see there is 12,925 and $45.46 cents. Can you see that one there? Yeah. So it shows you that your portfolio has made income plus growth within the last twelve months of $12,925.46 there.\n\nAnd then since then, we've had a bit more growth on top of it. So your portfolio, sorry, has generated a further, a higher return there as well. So it is really good to see. We are on track for sort of moving forward there a little bit. But but, admittedly, and I'm honest, the return is a bit lower than where we would like for the with everything that's been going on globally.\n\nOkay? Beautiful. Now one of the things that I also look at, and I had a bit of a look at your portfolio earlier, if you scroll back to just the first page there for me, we've got in your performance report in the first page all the individual investments that you do have within your portfolio. You'll see at the top there, you've got some Benelon Australian equities, some bank hybrids, some cybersecurity. You've got the QR, which is the Raffi 200.\n\nYou've also got some battery lithium tech, some physical gold, some bonds, some s and p 500, that's some American exposure, and then some property at the very bottom there. If you look at the second last column at the other end there, you'll see the internal rate of return, and this is showing you how all the individual investments have performed individually in the portfolio. Realistically, all of them have performed really, really well except for essentially two. The Ben along Australian Equities is showing it's down by about 23.55%. So that could definitely be having an effect on holding your portfolio back a little bit.\n\nSo when I reviewed things before calling you, I had decided I already wanted to look at switching this one out for you. So I do wanna update some advice, look at removing the underperforming investment. Also probably looking at removing the property if it's not performing very well as well, because it's also down by 1.85. So I'd probably like to just make some changes if you're comfortable with me reviewing the super and the investments and maybe just updating your portfolio and doing a bit of switch out to make sure things are working better for you and updating the portfolio to reflect changes in the market conditions. Does that make sense?\n\nDo you have any questions? Are you comfortable with that? Yeah. Yeah. Beautiful.\n\nBeautiful. So sorry. I just had a quick drink of water. I do apologize. Do you have any questions?\n\nDoes all of that make any sense? Is there any anything on those reports that kind of you had additional questions on or would like me to maybe answer there for you additionally? Yeah. Beautiful. Fantastic.\n\nIf you ever find you do get these reports and you're a bit confused or had any additional questions, please let me know. Part of what I love about being an adviser is the educational value because, you know, none of us grew up understanding or learning any of this at school. So if you do wanna, you know, have any questions or learn anything additional, please let me know. I love to break things down and and definitely have a look at it. I have been updating a lot of the portfolios over the past few months there and have been able to remove and along and find more cost effective ways of investing.\n\nThere are a couple of different ways to invest, and I've got a few different portfolios that we can realistically look at. Just wanted to sort of when we look at the way you can invest all the different investment styles, there's two main styles of investing. One of those is an active management style. An active management style is having in there. So Bannalong is an active managed fund.\n\nThe manager of that fund is supposed to be trying to buy and sell and outperform against the market, but they haven't been able to do so due to the underlying issues. Did you want me to look at replacing that with something similar to Banyan that maybe has that active management in it, or would you like me to just look at investment that might be cheaper, save fees, maybe more passively invested? So passive investments distract the market. And more often than not, over time, passive investments actually do outperform active managers. Do you have any more questions?\n\nYep. Yeah. Yeah. So you would like to have a portfolio that maybe has some active management in it for you. Is that right?\n\nYep. Yeah. Beautiful. I do have an option where I can include a little bit of an active manager in there for you. It's absolutely not a problem.\n\nNow just sort of having a look, and one of the things we do like to look at when we're talking about investments and risk level is your goals. So having a look at things at the moment, Angela, now we originally had here that you were hoping to be able to access super and retire around about the age of 60. Is that still your goal age there for TriNet wanting to access super? Yep. Yeah.\n\nBeautiful. Now given your age, so you're 42 this year. 41 currently. I'm the same age as you, so please don't feel like I'm making you feel older than you are. But it does essentially mean that you have about eighteen years until you're able to retire.\n\nBeing in that growth portfolio environment and having an active manager in your portfolio, it still still suit sorry. It still suits your time horizon. So because you have eighteen years towards before you're able to access your super at this stage, you do have you are able to take on a little bit more risk in the market. If you were, say, about five or six years away from retiring, I'd be suggesting we very heavily reduce risk level and maybe not have that active style in there. But if you're comfortable with taking on a little bit of extra risk in the market and maybe having an active manager and they're trying to outperform against the market, I'm absolutely happy to do that.\n\nIs that where you'd like me to sort of look at portfolio wise for you? Yes. Beautiful. Do you have any questions? I know I can go through quite a lot, and I try to make it as less complex as possible.\n\nBut is there any questions? Did you want me to break anything down more for you? Does that all make sense? That's okay. Yeah.\n\nAbsolutely. Most definitely. Not a problem at all. Well, what I'll do is I'll go back and have a look at your suit and the investments there. I'll definitely look at maybe replacing some the Ben along with something else that we have more of an actively managed fund towards.\n\nAnd I'll also consider passive investments that are working harder, see if I can reduce the investment cost within your fund as well. You know, having more money invested for you works harder for your retirement. So I'll see what I can do with the portfolio to incorporate that passive invest sorry, active investing style as well as try to, you know, limit the cost to make sure your the portfolio has shown great past performance. Okay? Fantastic.\n\nWell, I'm really happy with how things have performed. We definitely wanna keep building on that and compounding things moving forward. Just wanted to also go over and have a chat about your insurances. Now with your insurance cover sorry. Is Sergei is Sergei at home now?\n\nI can hear him in the background. Oh god. Oh, okay. No. That's fine.\n\nThat's okay. We'll let him do what he needs to before he jumps onto the call. No issues at all. Sorry. I thought I wasn't sure, and I thought I should just quickly pause for you.\n\nBut, honestly, it's all good. If you need to stop for the kids, it's totally fine. Oh, that's really wait. No. Please don't ever apologize.\n\nThat's beautiful. You've probably had some great things occur. All good. Now with your insurances, when we sort of went through the advice of you, is that we looked at just keeping group cover for you due to the pre assessments. New cover was gonna be very expensive and very hard to obtain.\n\nSo when we look at your life cover, if you were to, say, pass away today, the life cover pays out a lump sum benefit of 206,741 and 18¢. But then your super is also paid out on top of that. So if I factor all of that in sorry. I'm just doing some really quick math here for you as well. Alright.\n\nTwo. Beautiful. So if we sort of thought about your insurance cover, if you were to pass away today, with your life cover plus your current super balance, all up, the amount paid out would be about 397,475. Are you fairly happy with that amount? Did you wanna look at altering that, and what, you know, what would you essentially want that to pay off or pay out to?\n\nMhmm. Yep. Yep. Okay. Yep.\n\nBeautiful. So you're happy with them receiving anything over, say, 100,000 as a life benefit in the event that you passed away? Yep. Yep. Fantastic.\n\nNow you don't have any TBD covers. The TBD is total permanent disability, and it can pay out either a lump sum benefit or an income stream in the event that you're not able to ever go back to work again. We don't have any TBD. I'm more than happy to go back and see if we're able to obtain something for you based on your circumstances. But is having disability cover important to you, or you're just not worried about it?\n\nLike, what would happen if you were unable to go back to work ever again? Does Sergio's income cover the bills? Or No. Yes. Okay.\n\nYep. Yep. Absolutely fine. Not a problem at all. Excellent.\n\nAnd, look, the other thing to sorta consider is that if you are unable to ever go back to work again, say you, you know, broke your back or you had a car accident, could never go back to your role again, as long as the doctors are willing to say that your total you've got total incapacity, we can also also claim against your super. So that would be an extra 190,000 that we can release. Being as you are under the age of 60, unfortunately, it does become taxable, but we, as advisers, can look at what we can do to sort of help you along those lines to minimize the amount of tax. But you can get access to your super in that instance. So if anything was to happen, just feel free to let please let us know.\n\nWe'll look at what we can help you to claim on. And if you ever decided that you did maybe need to look at, TBD insurance, let me know. I'm more than happy to go back, and we can assess your health and then and see what kind of contracts might be on offer there. Is that okay? Beautiful.\n\nExcellent. The other type of insurance you do have is income protection. So at the moment, you've got a a monthly benefit payable in the event of being off work due to illness or injury in the short term of $1,113.91. I'm thinking about a $1,113 on a monthly basis if you were not able to go to work. Do you have much in the way of sick leave, annual leave, long service leave that you could also fall back on to provide additional benefit on top of the income protection payment?\n\nYep. Yep. Sure. Sure. Yep.\n\nYou can do. You're absolutely correct. Yes. So you just have to be off work for ninety days prior to being able to make a claim on the income protection. And then you can be on a claim for up to five years to say if you had a car accident and you broke your back and you were off work for, say, three or six months, you could be on the claim.\n\nThe amount paid out is pretax, so they do also tax you on that. So, say, rough estimate might be about $900 on a monthly basis paid out to you. But in that instance, with Sergio still working and you mentioned your daughter also works, does that amount feel sufficient? Would you wanna look at trying to increase that to meet more of your needs, or are you fairly happy with that income protection level that you have? I'd have to have a look at the yeah.\n\nYou're right. I'd have to have a look at the quotes and find out what that might look like. I could, if you wanted me to, go through as part of the advice and maybe make a recommendation to increase the income protection to be more in line with needs and show you the cost and the effect on your super if you wanted to. Would you like me to do that for you as part of the advice document? Yep.\n\nYeah. Yeah. Yeah. I'm just pulling up the pre assessment details that we completed a while back just to sort of look and see what might have changed in your circumstances there because the pre your pre assessment that we completed would definitely give me an indication of why we weren't able to get additional cover on top of this. Sorry.\n\nIt won't be a second. I'm just looking for the workbook. Let's have a look. It's around December. All good.\n\nBut, yeah, if I include that into the advice, if that's sort of what you're after, then you can sort of see not just the cost of the premium, but also how what kind of effect that has on you because in the insurances are also paid out of super. So it can over the next sort of couple of years also have an effect on your super there. It looks like I don't have much in the way of previous information on the health side of things. Sorry. I'm just going back through our records.\n\nAnd we've had a system change since we last sort of went through things you. So I'm trying to kinda go back through the old system. I do apologize about that. Mhmm. Yeah.\n\nThat's like I think it was, like, the end of twenty twenty three that we kinda went through 2023, '24 that we went through and kind of re onboarded everything and adjusted it all. What I would probably like to do, if you're comfortable with that, is I'd love to do another pre assessment for you. So get one of my beautiful team members to give you a call next week, get her to do a quick five minute pre assessment with you just so I can have a look at, you know, what kind of contracts might be on offer, what the cost might be, and look at how we can look at increasing the income protection for you. Does that sound okay with you, Angela? Yep.\n\nFantastic. And then they'll give me some updated records to work on for you too, which is really great. You may may have mentioned that with income protection, you can be covered for up to 70% of your gross income, so pretax income. Did you want me to look at increasing it up to the maximum that you can be on to kinda give your family the best possible expenses to outcome in the event, or is there a certain amount, like you said, one point, you know, 1,500 on a monthly basis you'd be fairly comfortable with, what would you sort of think or feel? It is yeah.\n\nAnd it's gross. So it does also have an effect like, it's also considered a taxable income. Yep. Yep. So what say anything over 1,000 per week net, so after tax to make it easier.\n\nYep. Yeah. Absolutely. Not a problem at all. So I'll look at increasing the income protection.\n\nI'll look at all the options and see what we come out with. If for any reason I can't get another option for you, I'll come back and have that conversation prior to us, going to the advice document just to make sure that you're aware of everything and talk about what your options might be moving forward. Okay? Fantastic. Now there are other types of insurances, and, look, honestly, we can insure everything to the health.\n\nYour main personal insurances are life TBD income protection. You can also hold other covers like trauma. So trauma pays out a lump sum tax free benefit if you are, say, diagnosed with, say, Parkinson's, MS. Cancer's a big one. People claim trauma for strokes and heart attacks as well.\n\nThe main difference with trauma versus life TV and income protection is trauma is an out of pocket cost. You can't actually pay for trauma inside super. Did you feel like you would like to get some additional coverage, say trauma as an additional benefit, or are you happy just with what you've got with the income protection in life and look at increasing income protection? What's your thoughts there? Yep.\n\nSo sorry. Absolutely. So you're happy with the income protection side of things to cover your income. Happy to increase that. Happy to keep the life.\n\nYou're not worried about CBD or any trauma benefit. Yep. That's okay. Beautiful. Absolutely fine.\n\nAnd there are additional, like, child benefits and things like that. How many kids do you and Sergio actually have? Yeah. Wow. Oh, wow.\n\n14 years of age. Beautiful. And so your son's 14. Your daughter's 21. Is that right?\n\nYep. Yep. Beautiful. I mean, mean, amazing ages. How is it with boys going through at teenage years?\n\nI'm about to do that. So anything you can give me advice wise will be perfect. Oh, wow. Yep. Oh, yep.\n\nYep. Thank you for that. Yes. I'm about to hit those teenage years with my son. I have not done boys before.\n\nI had girls. So I've been asking all my friends, like, how was it? What did you do? How did you deal with it? Yeah.\n\nYeah. Different. Goodness, ma'am. Well, I think you're doing amazing, and I hope you feel you're doing amazing. You're doing a great job.\n\nExcellent. No. All good. We'll look down the track if the kids ever wanted to talk about additional insurances, life cover, and things like that. We can certainly look at helping them out.\n\nYour daughter is a bit older for child cover, so there are additional, you know, insurances aside from what you have for yourself that you can put in place to cover your children as well. Your daughter being 21 is a bit over the age to get child cover, and your son is almost the cutoff point for child cover entry as well. So but it's just it's more just a lot of people tend to have those sorts of things to cover, you know, their children if they were to, heaven forbid, for you know, pass away, or we have had clients where their kids have been diagnosed with cancer or a major illness of some sort, and they've claimed on that child trauma policy to kind of provide a little bit of extra benefit allowing them to take time off while their kids are seeking treatment. So there's all those other options, but, yeah, your son is almost at that cutoff point. Your daughter's a little bit too old for those there.\n\nBut down the track, if they ever decide they wanna look at life insurance and things like that, you're welcome to direct them our way, and we're certainly able to help them in that aspect as well. Okay? Excellent. Beautiful. So we've gone through your super and your life cover and income protection side of things.\n\nI've got a really good idea of what we'll do moving forward, and I'll make sure before the end of the call I book you in to have a pre assessment with my colleague and my admin team here. Just to sort of update a few additional details for yourself, Angela, Income wise, we had you on about 100,000 last year. Is that still correct or if you had a pay rise since we last caught up? Yep. Yep.\n\nBeautiful. And I also had expenditure wise. So you guys were able to save about $600 on a weekly basis from your income. Are you still finding that that is possible, or has things changed a little bit with your savings and your expenditure recently? Still possible?\n\nYep. Fantastic. Excellent. And you're still down as a a nurse educational officer with TAFE New South Wales. Is that still correct?\n\nBeautiful. And I've also got your car down here with an asset value of 32,000. What sort of car do you drive? Beautiful. Lovely.\n\nAnd would you still value that at 32,000, do you think? Yeah. Yep. Yep. Beautiful.\n\nThat's okay. And with the debt value, we had you guys owed about 25,000 on that vehicle. Do you still have a loan on the car? Yep. Beautiful.\n\nAnd is it still valued sorry. The loan's still about 25,000, or have you been able to reduce that since then? Yeah. You're fine. The loan, 25,000.\n\nThat's okay. Did you consolidate it into your loan? Yes. Yep. Yep.\n\nThat's okay. Not a problem at all. So when consolidated into your home loan, what does that mean you owe on your home loan now? Oh, no. No.\n\nThat's okay. That's alright. We had about six six 120 five thousand here last year. Do you think it'd be roughly around the same with the consolidation, or do you think it might have increased by about 20 or thousand? Okay.\n\nBeautiful. Because, yeah, I had about $6.25 here from the last valuation. So do you think I just add the extra sort of 25,000 on top of that to give the rough valuation for the mortgage? Yep. Yep.\n\nBeautiful. That's okay. Not a problem. All all good. Thank you for updating that.\n\nAnd what kind of car does Sergio drive? Corolla. Beautiful. Hatchback. That's That's okay.\n\nI I can always have a look at, you know, the rough valuation of that make and model if you like to see what the average would be. Absolutely. What year model is it? Yep. Yep.\n\nBeautiful. Beautiful. Is it like a sports or anything fancy, or is it just more of the standard? Nope. That's okay.\n\nBeautiful. I can go back and have a look. I've got a few options for looking at research data on those sorts of things. To look at the average valuation, it's not a problem at all. And assets wise, do you have any other assets, any other shares, cryptocurrency, collections, or anything else of value that you guys would note down?\n\nNo. That's okay. Another one I like to note down is contents. Because, realistically, if you think about something happens, if you tip your house upside down and everything fell out, that's all considered content. And we ensure that to make sure it's it's covered in the event that something happened to our home.\n\nDo you have contents insurance? Or nope. That's okay. Do do you know what you might value your contents at if you had to sort of replace everything? If you're not sure, that's okay.\n\nYeah. Yeah. Sorry. I asked all the tough questions. Yeah.\n\nYeah. Yeah. So to give you a bit of an idea, the average contents replacement costs for an average household in Australia is around but it's between 80,000 to a 150 thousand. Yeah. Yeah.\n\nYeah. They estimate that if you had to replace everything, so your house burned down or something happened, the average cost of replacing everything in your household from your cutlery, your underwear, your kids' clothes, your TVs, everything could be anywhere from 80 to a $150,000. Yeah. Yeah. Yep.\n\nYeah. I can put maybe a 100,000 for you if you like this sort of note in average. Yeah. Absolutely. Perfect.\n\nFantastic. Okay. Oh, much lower than we thought. Fantastic. 561.\n\nI love that. Fantastic. Yep. Fantastic. Well, that's really good to know.\n\nBeautiful. And thank you for updating all those details. I will just convert that information over to back find there as well. Is he available to jump on the call with us now so we can kinda go through his super insurance details as well? Hi, Sergio.\n\nI'm Dana. It's lovely to meet you. How are you? Yeah. Did you have a good day at work?\n\nOh, that's good. That's good. Thank you so much for jumping on to your annual review there. So, dear, I before I jump into the go through things with you, I do have to let yourself know that we do record our calls for quality and training purposes. Are you happy for me to continue recording the call?\n\nBeautiful. And I am going through your personal information. So I just need to confirm your date of birth and address I should have on file for you as a quick security check there as well. Yep. Beautiful.\n\nLovely. Beautiful. Thank you so much for that, and happy birthday for seventeen days ago. I hope you had a good day. No worries.\n\nAll good. So now I did send through some documents to your email giving you an update on your super and insurances. Are you able to log in to your emails? If you can't, they are also attached to Angela's email there. It's up to you how you'd like to go through those, or I'm happy just to give you the information.\n\nWhat would you like to do? Yeah. No worries at all. Easy. So, Sergio, with your super balance, this time last year, your super balance was sitting at 68,438 and 71¢.\n\nAs of this year, and I'm just giving you because these documents were prepared just a couple of weeks ago there. So your super balance as of the July 24 was sitting there at 72,230 and 24¢. And then just checking it from today's value because it has changed. You're now up to 75,739, so it's great. You've had some additional growth in there on your super, which is fantastic.\n\nWhen we when we look at how things have performed over the course of the last twelve months, now you're super whilst you have made some good growth there, overall, we when we think about the growth and the income, you're actually down. It's just sort of down under about 1%, so 0.52%. So it is being held back a little bit by, obviously, market reactions. You've had you know, your super balances increase. You've had some income reduces there.\n\nBut overall, the growth is showing it's down a little bit. As the as this sort of went through with Angela, I have sort of noticed there are some investments that are underperforming in your super. So I would like to update the advice for you and look at removing those investments and replacing them with something else, making sure things are working harder for you. Are you comfortable with that, and do you have any additional questions there at all? Yeah.\n\nYep. Yep. You yeah. Absolutely. Absolutely.\n\nI wanna make sure things are definitely working harder for you. And I think one of the things to sorta consider the difference being between yourself and Angela there is that you are in different risk profiles as well. So she's more growth, whereas you're more high growth. So you're actually wanting to take on a little bit more risk in the market than where Angela is. So it does mean at times of ups and downs with the market is a bit more volatile that you are that you do have the risk of seeing more of a negative return over where she might not see one.\n\nSo are you still comfortable taking on that sort of high growth environment taking on more risk, or would you like to sort of draw it back a little bit? Do you think what's your thoughts around that? Yeah. You're still happy with that? Beautiful.\n\nBefore we end the call, I'll just run through a really quick risk profile questionnaire with each of you just to kind of gauge where you're both sitting risk wise just to make sure everything is on par. But, realistically, with your time horizon, you know, I've got here that your goal was that you're sort of hoping to access super around about the age of 60. Is that still correct for yourself, Sergio? Yep. Yep.\n\nAbsolutely. Well, I mean, you do have eighteen years before accessing super. We can't access super until the age of 60. So I'll go back and look at maybe updating the advice. Are you both comfortable if I do this advice document together?\n\nSo it's one advice document for both of you, or did you want separate advice pieces for each of you? What would you guys like? That's you're right. Oh, I'm so sorry. The phone sort of went a little bit cut out.\n\nI could hear I couldn't hear much, and I was like, I'm not sure if you're both still there. So sorry. Apologize, Angela. With the advice piece there, if you like, I can do one advice document to both of you outlining the recommendations I'm making to both of you. Would you both be comfortable with me doing that, or would you like me to separate the advice into individual?\n\nWhat would you both like moving forward? Yep. Yes. Absolute absolutely. I I can set the advice up so it's, you know, to both of you, and then we have individual recommendations within the advice piece, and we just go through that together.\n\nI do like to sort of incorporate that as a couple moving forward for a lot of aspects. I mean, you still got eighteen years ahead of you, before accessing through for this stage. But when you sort of think about it, the closer you both get to that retirement aspect, having advice done together does work well for you both because we will, as we get closer to retirement, wanna look at how to access those funds. And, you know, retirement itself does mean incorporating everything within both your supers plus all of your circumstances as a whole. So if you are comfortable with me consolidating the recommend like, the the advice document, I can do one advice document for both of you with separate recommendations within that to show you what I'm recommending, how, and why.\n\nBut it just means it's one document, and it kinda outlines everything for the two of you. Are you both happy with that? Yep. Yep. Beautiful.\n\nFantastic. So, dear, the other thing to sorta have a chat about there is your insurances. Now having a look at your insurances, your your cover is a little bit different to Angela's. You've got life cover, and it basically shows that if you were to pass away today, your life cover would pay out a benefit of 868,219. Now the other thing to remember is that if you were to pass away today, your life benefit is paid out, but then your super balance is also paid out on top of that.\n\nSo we also then have an extra 79,000 in super there. So, realistically, in the event of you passing away today, your life cover and your super could pay out a benefit of over 947,000, which realistically could pay off the mortgage and then leave Angela with a little bit extra money to take some time off or to, you know, grieve and look after the kids and things like that. Are you happy with that level of cover? Did you wanna review that at all? That's fine.\n\nBeautiful. Beautiful. And I'm sorry for making the assumption, but just concerning, if you Yeah. Yeah. Yeah.\n\nThat's a really good question. And so with your your life benefit and your, super, we essentially put a beneficiary nomination on those products to show what happens if something happens to each of you. The other aspect is if something happens to both of you, that's where a will comes into play. Have you guys spoken to a solicitor or had a will drawn up in the past at all? No.\n\nSo it is definitely one thing to consider. So your super benefits and your life proceeds have beneficiaries to cover if one of you pass away. But then having a will drawn up by a solicitor and having the direction that if anything happened to the two of you, then everything gets paid to your estate. But then how is it paid to your children? How are your children looked after?\n\nAnd having a guardianship in place as well. So your daughter's 21, but your son's still only 14, so he's, you know, still technically a minor. So who would you trust to look after him, and how would you want all of your, you know, money paid out to look after them in the future. And that's something that is done by a qualified solicitor or a lawyer. You can also, depending on your comfort level, get a will kit drawn up.\n\nYou can buy a will kit fairly simply from the post office about 30 or $35 currently. As long as they are filled out correctly, they are valid. But, personally, I I prefer to go and see a qualified solicitor to draw up a will just so I know it's it's done with my direction. We've had a really good conversation of what happens if we pass away, and we understand what's happening with the kids. It considers this a guardianship aspect and also power of attorney.\n\nSo if in the event that you are unable to make decisions on on your own behalf, who would you appoint to be your attorney to make decisions, and what would you how would you want them to act on your behalf as well? Does that make sense? Yeah. Let me just double check that one for you. So with Sergio so, Sergio, you're super.\n\nYou've got a binding non lapsing beneficiary nomination, and you've nominated 50% of each of your benefits. So 50% of your super to go to Liam and Leila, each of your children. Are you wanting that updated to reflect being paid to Angela, or are you happy with that? And, actually, Angela, your super benefit's exactly the same way. So 50% paid to Liam and Leila in the event of your passing.\n\nSo it basically means that if one of you pass away, the benefit bypasses, technically, the other person. Leila is entitled to 50% of the benefit and Liam 50% of the benefit. The way this would yes. Yeah. Yeah.\n\n50% to each child. Yeah. The way this would realistically work, like, Angela, if I use your super as a as a bit of a guide, if you were to pass away and say you've got your 190,000 in there, Layla is your daughter. She's 21. Is that right?\n\nYes. So if Layla is working and not a tax dependent on you, she receives 50% of that benefit, but she has to pay or she receives 50% of the benefit minus 17% for tax because tax is paid on that amount. Liam, as being 14 and being a minor, he technically wouldn't receive the benefit directly. It would go to his guardian, which would probably be Sergio. So that means Sergio would receive 50% of the benefits for Liam.\n\nAnd because they are technically tax dependent, they received the benefit tax free. So Leila would actually receive the benefit minus 17% tax. So she could actually receive a lesser benefit. The other way that you can structure it is to have it paid directly to your partner. So you have it paid to Sergio.\n\nSergio have it all paid to you. Each person receives it a 100% tax free, and then you can distribute whatever you want to your children from that aspect. Does that make sense? Yeah. State planning is very complex, and there are tax consequences depending on who you have it paid to, how old they are, whether they're tax dependent or not.\n\nIt is quite a complex area, unfortunately. Yeah. Yes. Yeah. Yeah.\n\nYeah. That's absolutely fine. So this is sort of just planning for if one of you passed away, what would you want to happen to the proceeds? And then it's just important to maybe speak to a solicitor and draw up a will to reflect if something happened to reflect if something happened to both of you. That way, everything would be paid to your estate, and your kids could be looked after that way in the event of both of you something happened to both of you at the same time.\n\nDoes that make sense? Yeah. Yep. Beautiful. Yeah.\n\nIt is a new beneficiary form. I can reflect that into the advice document for you just to outline it all and kind of break it down so you can see it all on paper, and then we could absolutely do that. And we'll we'll get a new beneficiary form updated, and we're happy to help what we can to make it easier on the both of you. Does that sound okay? Fantastic.\n\nSo, Sergio, we've confirmed that your life insurance is fine. Your TBD cover, so total permanent disability, has the same level of cover. If you were never able to go back to work again, you're covered for 868,219. And, again, if you would never be able to go back to work again, we can also try to claim against this super. Now as I kind of just went through with Angela, TBD, if you're unable to go back to work ever again due to disability, unfortunately, it is taxed.\n\nSo there could be tax on that payment. But do you feel like the level of cover you have is appropriate? Did you wanna look at reviewing that level of cover? Yeah. That's okay.\n\nYeah. So it just means that you're covered for about 868,000, plus your 79,000 of super to cover you. Do you feel like that's enough TB disability cover at the moment? Yep. That's okay.\n\nIf you're ever talking about it and you wanna review that, you're both welcome to let me know. We can always have another conversation, talk about what your needs or what you want, and then kinda go from there. Okay? Excellent. Now you've also got income protection.\n\nYour income protection benefit just pays a monthly benefit pretax of 3,000 675. If you think about now your income I'm just grabbing your account. I do apologize. What is your current income? What are you earning at the moment?\n\nI think I had here last time you were on about thousand. Okay. Yeah. So a thousand is that 1,000 a week net or gross? Yep.\n\nNet. Okay. Beautiful. That's okay. So, realistically, so your take home pay is about 52,000 per annum.\n\nSo you're on just over 60,000 a year. Do you know have you done your tax or seen your final pay for last year? Do you know do you know what you earned last financial year total gross? Yeah. Yeah.\n\nOkay. So if we work on, say, $6,060,000 as a bit of a buffer there, with income protection, you can cover up to 70% of your income if you're off work due to illness or injury. So based on an income of 60,000, you would need to be covered for a monthly benefit of 3,500. So your monthly benefit that you're covered for of $3,006.07 5 is slightly over that, but it means that if your income is up to, say, 62 or 63,000, you have a a little bit more cover to, you know, to provide for expenses if you're not able to work. Does that make sense?\n\nDo you have questions? That that's okay. You are you happy with that level of cover for income protection? It's pretty well on par for what you're earning. Yeah.\n\nYeah. It is gross. So just like I kinda said to Angela, if you are on an income protection claim, realistically, you will pay tax on that. So the amount you receive is a little bit lower. But, yeah, it it they kind of have to account for that.\n\nUnfortunately, insurances aren't all tax free. It's wrong. It shouldn't be that way. But, yeah, look. You're covered for the monthly benefit of 3,675.\n\nAnd as long as you're comfortable with that, theoretically, you get on a monthly basis a little over 3,000. Do you think that would be fairly comfortable for you? Yes. Yep. That's okay.\n\nAfter the call, you're both welcome to sort of have a little chat about what we've gone through. If either of you find you have additional questions or need any additional information, if you like, I can also do up, like, a general email which is with the amount of cover that you both have and just a bit of a rundown on what those covers cover, just some general information to kinda give you a little bit of backup. Would you like me to do that for you after the call as well? Well? Yeah.\n\nBeautiful. Just because I know I go through a lot, so more than happy to break it down and send a bit of a recap just to go through the important things so you can sort of see it on paper and go, oh, maybe this isn't right. Maybe we do need to look at this, and you can always come back and let me know if there's more conversations to be had. Is that okay? Yep.\n\nBeautiful. Fantastic. So with I've updated a lot of the same things that we sort of spoke about, Angela, just with your expenditure and savings, you guys are able to save around about $600 on a weekly basis. Is that together between the two of you? Yes.\n\nYep. Beautiful. Excellent. Let's update that. I've updated all your assets and liabilities as well.\n\nSergio, I've got you down as being a community care worker. Is that still fairly accurate for your title? Yep. Fantastic. And I've got one dependent here, so two children.\n\nI've got your age to access the same. We're looking at age 60. I believe in retirement, the two of you were originally sort of looking at an income of about a thousand dollars a week. Would you be looking at maybe that from each of your supers, or would you be hoping to get that from both of them together, maybe a thousand dollars of income in retirement together? How would you sort of quantify that?\n\nYep. Yeah. Absolutely. Absolutely. Yeah.\n\nNo. Not a problem at all. We can certainly factor that in for you. I also had additional goals here in retirement wanting to be completely debt free. So hoping to have the mortgage paid down by that time.\n\nIs that right? Yep. Beautiful. And then I've also got down here insurances we've gone through. In the next five years, you'd love to have another property purchase.\n\nIs that still maybe a goal that you do have together? Or yeah. Perfect. Not a problem at all. Excellent.\n\nAnd, Sergio, the only other thing to sort of talk about insurance wise is that you can get other types of insurance cover. So things like trauma, which is paid out of your back pocket, but can pay out a lump sum tax free benefit in the event that you'll stay diagnosed with MS, Parkinson's, cancer, have a heart attack or a stroke. Did you wanna look at getting any additional trauma insurances, or you're happy with the life, the TBD, the income protection you have? I think you've got fantastic. Not a problem at all.\n\nExcellent. The other thing to sort of talk about is I had a note here that you both just so want wanted to ask more about additional investments and things like that. Feel free to go for it now. What can I help you with? What sort of questions did you have in relation to that that I can help you with?\n\nMhmm. Mhmm. Yep. All good. Sorry.\n\nThe phone cut out. I do apologize. So you're sort of looking at ways to utilize your in order to buy property. Is that right? Hi.\n\nYes. I can. Yes. I'm sorry. No.\n\nDon't. It's honestly absolutely fine. That's not a problem at all. Honestly, it's all good. I just just to kind of recap the question that you both had.\n\nSo you're looking at ways to be able to utilize your super to maybe buy property. Is that right? Like, an investment property. Is that right? Yeah.\n\nMhmm. Yep. Absolutely. Yeah. Yeah.\n\nDefinitely. So, realistically, the only way that we did have to be able to use our super to buy an investment property was to have a self managed super fund. So in the super fund that you both have within hub twenty four, we're able to hold listed properties. So we can hold investments in property funds. In order to buy an actual house, we we used to have to have a self managed super fund, and we used to be able to get a loan within that super fund where the super fund would own the house.\n\nThe rent would pay that down and our contributions, and then by our time, we would have to sell the property or find a way to have the income cover, you know, our living expenses. Unfortunately, as of the last week of June, and as of essentially seven days ago now, the government has changed the rules on self managed super funds. So we can no longer hold a loan within a a super fund to hold residential properties. So they don't let us do that anymore. The only way you could hold have property within a self managed super fund now is to buy a commercial property and get a loan for that or to have enough money to buy the property outright, which don't quite have at the moment.\n\nSo it means that, realistically, we can't use super to do that currently. There are other options where you could look at your borrowing capacity and speak to a mortgage broker to see whether you could buy an investment property and what sort of what your borrowing capacity might look like or how much you can borrow based on your expenses, I could certainly refer you through to a mortgage broker to do that. We don't do that because we don't have a credit license, so it's not something financial advisers do without a credit license. But I can refer you through to some great mortgage brokers who can have a look at your borrowing capacity, have a look at your family circumstances and your expenditure, and see whether or not you're able to get a loan and what you might be able to borrow. They also take into account what kind of equity you have in your property as well, and what kind of rental income you might be able to receive from the possible property there as well.\n\nSo there's a lot of things to take into an account there. When it comes to sort of holding a property, generally, we have a thirty year loan term on properties because it lowers the amount of of repayments we make, and it's easier for servicing. It does mean that with eighteen years to the age of 60, getting a new another property now means that you're extending your loan. So as an example, you owe 560,000 on the property at the moment. If you then borrow, if you then release equity and draw another 100,000 off the property loan to put towards, you know, getting a new property and say you then had to borrow 500,000 on top of that, you would have three loans.\n\nYour main primary residence loan, which is essentially the $5.60 you have owing now, then you've also got an equity loan, which is that extra 100,000 sitting there, and then you've also got the investment loan as well, which is the extra 500,000 you've borrowed. All three of those loans would be reassessed at a thirty year loan term. So it means you can pay them down in that eighteen years if you've got extra cash and can, you know, pump money into it faster. But, realistically, most people then would end up with a mortgage into retirement, whether it be all the loans or just the investment loan into which means that we would have to factor in the drawdowns from super to account for the loan aspect that you are still paying back as well. Does that make sense?\n\nYeah. Yeah. No. I mean, it's definitely not something you can't do. I would be more than happy to put you in contact with a broker now to at least have a chat about your options.\n\nThat's generally the way it works. But if you wanted to speak to a mortgage broker, there's no harm. There's no cost to yourself. It's completely free. They get paid by the lenders, the loans that they write.\n\nAnd if you don't have servicing capacity, then they'll let you know. But at least if they look at what you've got, what your servicing might be, or how much you can borrow, it kind of then gives you an idea as as to whether you wanna go the property route. The other side of it is if you're wanting to build wealth to kinda supplement super, we can also look at investments outside of super. Sorry. We can look at investment bonds or investment portfolios very similar to your super where you can be putting money into the into the share market and building wealth to supplement.\n\nAnd we can also look at salary sacrifice or making additional contributions to your super to provide a boost there so you can access super at the age of 60 and have hopefully more money invested. So there are other ways that we can look to invest money. It doesn't have to be property. But at the same time, it's it's more just down to what your goals are, what's important to you, whether you wanna have a property. The other aspect is you might decide to hold off on property.\n\nBut because you've got your daughter who's 21, if she's working and saving, she might wanna buy something down the track, and you guys might be able to join into the loan with her and buy something jointly. And that might be, you know, something down the track to give you a little bit of a an investment side of things, but also get her into the market as well. So there's those other options down the track for you as well that you can explore. Yeah. Yeah.\n\nYeah. Yeah. Absolutely. They can yeah. Sorry.\n\nYou're right. Yeah. Yeah. Yep. Yeah.\n\nFantastic. And there's a a lot of people at the moment. I've spoken to some clients where, you know, they might be buying a property with their child. It might be fifty fifty split or, you know, it could even be a sixty forty split child into smaller portion than the parents due to the servicing aspect. But it means that, you know, come the age of 60, if she's then got a really good income, she could buy your share of the property out, which alleviates and, you know, bring gives you guys the capital back plus some additional growth depending on what she buys it for.\n\nAnd that could also help to supplement super down the track as well. So there are those other aspects and differences different ways to assess it. We sort of look at I always look at a thirty year loan term, but the mortgage broker might be able to also look at, say, a twenty year loan term for you or a twenty five year loan term for you and show you what the mortgage or payments might be on that. And then if you get pay rises in between that or if you decide not to keep the property longer, there's there's other things that can definitely change. So eighteen years is still a long time away.\n\nAnd if it means that you just work an extra five or six years, it might not be a bad thing. We might be able to be super enough to pay the the loans off. There's lots of different options out there, but I do think maybe just having that initial conversation with the mortgage broker might be worthwhile looking at what your options are, the servicing capacity. Maybe, yeah, when you join your daughter into the conversation and have a chat about what she might be able to bring to the table and how this could benefit her as well. And, yeah, just wanna see what what might be comfortable for the three of you or the two of you.\n\nDoes that sound okay? Yeah. I'm sorry. It's a very broad answer. It's very hard to kinda give you definite, but it's kinda giving you options, and it's not saying, no.\n\nYou can't do this. It's just looking at other ways to sort of make it work for you because there's not a black and white scenario. Financial advice and finance in general can have gray areas, and sometimes sitting within those gray areas can be where you find the benefit or where you find something that works for you. Does that make sense? Yep.\n\nBe beautiful. The mortgage broker I'll refer you to is Brooke. The email we send is to you and her. So it's an introduction from myself to you and to her, and then she'll make contact to make a time to have a chat with you guys about the servicing, and look at your borrowing capacity and kinda go from there. Does that sound okay?\n\nYeah. Do you have additional questions? Have I answered everything that you had, or did you have more questions that you wanted to bring up with me? Yeah. Yeah.\n\nYeah. That's okay. Fantastic. The last thing I just wanted to do with the both of you is a quick risk profile questionnaire. So I'm just gonna go through a couple of questions just to sort of assess whether or not you're in the correct portfolios currently and whether we keep the risk level that you have got.\n\nThe first one I have for each of you is just if you saw the markets fall by 20% over the next sort of one to two years, how do you think you might react individually? Do you think you'd consider it a buying opportunity, maybe put more money into the market? Are you wanting to maybe hold and wait and speak to us, or are you a bit concerned and maybe wanting to sell the investment to cash? How do you think you might react? Yeah.\n\nYeah. Mhmm. Yep. Yep. You'd you'd wanna sort of look at how to maneuver the investments to mitigate the risk of the market going up and down.\n\nYep. And that would probably come with a conversation to us to see what we recommend you do and how we react in that instance. Yep. Yep. Beautiful.\n\nSergio, how do you think he might react? Yep. Yep. How do you think you might react? Do you think you'd be buying in as a buying opportunity?\n\nYep. Perfect. Perfect. The next question here is when you think about the risk level that you're taking now, Angela, when you think about risk out of a number between one and five, one five being the highest level of risk, one being the lowest, you're sitting about a three. So you're kind of mid range there.\n\nSergio, you're probably sitting at more of a two. Sorry. It's not three. Sorry. Sergio, you're sitting at a four because five is the highest.\n\nI'm sorry. So, Sergio, you're in high growth, which is more of a four. And, Angela, you're sitting at more of a three, so you're a little bit lower risk. Do you both feel comfortable with where you're sitting there? You you're you know, with where you are.\n\nSo, Sergio, you're taking on higher level of risk, you wanna get greater long term returns, but you also know that when the market hits a down point, that you'll feel those downtimes and that it can be magnified slightly more. Whereas Angela being more of a three out of a level of five means that you're sort of sitting in the middle. You're taking a little bit less risk in the market. You're still gonna feel the ups and downs, but not as great as someone in that high growth environment. Does that make sense?\n\nAnd do each of you have questions, and do you both feel comfortable with that level of risk that you're taking? Yep. Yep. Beautiful. So to give you a bit of a breakdown on the different portfolios that you're both in.\n\nSo, Sergio, you're in a high growth environment. So you've got about 90% in those growth investments. So think about Australian shares, international shares, listed property, and then commodities there. With the high growth environment, you expect an annual compounded return of around about eight to 10% on average. So anything over 10% means the portfolio has overperformed.\n\nAnything under 8% means it has underperformed. But it also means that you're expecting a negative year, generally, about one in every five years. And this sort of investment portfolio suits someone who has about eight years before they're accessing that their super there. Sergio, are you still comfortable in that kind of environment? Are you happy with that?\n\nDid you wanna keep that for another year? You've sort of scored in that environment and that sort of area, but just making sure that's where you're comfortable. Yep. Beautiful. And, Angelo, in that growth environment, you sort of see about 80% in those growth assets.\n\nSo, again, those Australian and international shares, property, and commodities like gold and silver. You're expecting around about a seven to 9% as an annual rate of return compounded. The likelihood of a negative return does occur sort of one in every five years as an expectation, and this sort of portfolio happily suits someone who's got about six years before accessing their super. So you are taking a bit less risk than where Sergio is, but, admittedly, your balance is also slightly higher than his. Are you happy in that environment?\n\nAre you happy with that growth area? Did you wanna that further? Mhmm. Mhmm. Mhmm.\n\nSo, realistically, Sergio is when you think about the risk level, is taking a greater level of risk. He's got a smaller balance. When you're when you have a higher balance, you can take a higher level of risk. It's not a problem there. It's more about your time horizon, how long you have before you're wanting to access those funds.\n\nSo if you were, say, five years away from accessing your super, I'd be absolutely pulling you back and saying, you know, we need to, you know, not act not take so much risk now. Realistically, with taking more risk in your super, you will feel that more. So if you if you both were in the high growth environment or even if you both saw a 5% dip, if you think about your balance as opposed to Sergio's balance, with a 190,000 super, you're gonna feel a 5% drop much greater than Sergio will. So it comes down to individual comfort levels. I mean, if you think about I work in this industry.\n\nSo if my super got a 5% dip and I had 600 k in super, it wouldn't bother me because I wasn't touching the money. I know the market will come back, but it's more of an individual comfort level for each of you. Theoretically, we wanna boost, yes, Sergio's balance up as much as possible moving forward as well so that when you both get to retirement, if you've got balances that are fairly even, then we can be drawing income fairly evenly. Whereas if we get to retirement and your balance is higher than Sergio's, we'll probably take more from your super to supplement so we can kind of keep them dropping on an even keel. Does that make sense?\n\nYeah. Yeah. Yep. Yep. That's that's the goal.\n\nDefinitely. Yeah. The income does definitely come into it as well. So because your income is technically higher, your contributions are also higher there as well. Would either of you be comfortable looking at maybe salary sacrificing or adding more money into super to provide a greater boost to retirement income, or are you sort of hoping to look at the the property side first?\n\nWhat would you feel? Mhmm. Yeah. Yeah. So in the area that Sergio does work, they do have that salary packaging side of things.\n\nBut most employers will also offer an option where they can increase contributions from your payroll into your super, and that's sort of more salary sacrificing. The alternative is you can do it from your bank account. It doesn't have be done through your payroll. You can always do deductible contributions where you're putting money from your bank account into your super. And then at the end of the financial year, we claim a a notice of intent, and that can also provide a bit of a tax deduction for you as well.\n\nBut doing it that way means you've just gotta be a little bit more comfortable putting the money in on a regular basis from your bank account. So it does require a little bit more, you know, continue out continuity there, wanting to put that in from your bank account because it's very easy to dismiss one or two here and there and stop doing it. But it's also your comfort level. You can hold off and see where things are next year, and we can always look at it again in a year or two's time. It's more up to what your preference is for each of you.\n\nYeah. That's okay. We're happy just to hold off on the salary sacrificing and additional contributions for the time being. Yep. Yep.\n\nAbsolutely. Perfect. Well, just to kind of recap, I'll send an email shortly just with the information around the the insurance side of things to each of you, what you have, but then a little bit of information around the different insurances to kinda give you both a bit of a a follow-up on the call that we've had. And then just with the advice aspect, I'll do a joint advice document just assessing the super and the in the portfolios that you're in to replace any underperforming investments and look at what we can do over the next five to ten years to sort of provide that booster. And then I'll also incorporate the estate planning, so just making sure beneficiaries are all paid to each of you in the event that something happens to each of you.\n\nAnd for yourself, Angela, I would just also include the income protection. So looking to increase income protection benefits for you. Does that sound accurate? Have I missed anything there at all? No?\n\nFantastic. And I'll get the email for this broker. Yeah. Sorry. Excellent.\n\nNow the only other thing I need to do is just to book you in for a quick pre assessment with my admin team member. Is there a day or I know afternoons generally suit better for yourself. Is there a day that would prefer just to run through that? It only takes about sort of five to ten minutes. That's okay.\n\nOkay. Perfect. So, absolutely. What if we make it nice and easy? Is it okay if I was to book that one in, per se, this Wednesday at 04:00 for you?\n\nWould that be at all okay? Yep. Be fantastic. Yeah. I'll add a little text message reminder there for you.\n\nMy admin team member, Samantha, will give you a call. She'll just run through the pre assessment and then send it to me so I can assess that as part of the advice document for you, and then we can get that all ready to go. Does sound okay with you? And what I might also do is I might also just because you guys prefer an afternoon appointment, rebooking your advice presentation for a few weeks as well, just so we because afternoons do book up really quickly. So to make sure we get you both in, the next afternoon available I actually work, late on Thursday afternoons.\n\nWould maybe Thursday, September 10 suit either of you? Or Yeah. Otherwise otherwise, I could do the week before. Yep. Yep.\n\nBeautiful. Fantastic. I can do so we can do sort of 04:30 like we did today, or I can make it 05:00 for you. What would be your preference? Yeah.\n\nYep. Yeah. Fantastic. So I'll book that one in there for you for the September 10. That's at 5PM there.\n\nEasy done. That's all booked. That way, you've got that time slot for the advice presentation. We'll go things through things together, and then you'll have some time to read it over there as well. In the meantime, I'll get those other aspects done, and that email will come out to the mortgage broker very shortly for you both.\n\nOkay? Fantastic. That's okay. Is there anything I may not have missed or any other questions that either of you had that you thought maybe I should that you wanted to ask me while you've got me here at all. I'm so sorry.\n\nWe have gone through quite a lot already. Nope. Yep. Absolutely. Yeah.\n\nAbsolutely. I'll also send you that email so you'll have my email address so you can always reply back with anything that you need. Or if you'd need another time, just let me know. Not a problem at all. Okay?\n\nThe excellent. The only other thing to let you know is that the the ongoing service agreement is in that annual review pack there for you. So you do both pay an ongoing service fee. It's 1.10% at the moment as you're a couple onboarded together. If I can just get you both to sign and return those back for us, that just allows us to continue providing our services and updating advice for you moving forward.\n\nOkay? That's that's the one the signature required. Yes. So you'll both have one in your emails. If you both can just pop in there and sign and return that back for me, that would be fabulous.\n\nOkay. Fantastic. Thank you so much for your time. I really appreciate it. I and tell Sergio thank you.\n\nI hope you both have a lovely afternoon. My pleasure. Will do. Thanks, Angela. Talk soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Angela.","start":4.72,"end":5.46,"sentiment":"neutral","sentiment_score":0.1058906763792038},{"text":"It's Dana again from OQ Financial.","start":5.52,"end":7.54,"sentiment":"neutral","sentiment_score":0.14233220865329108},{"text":"How are you again?","start":7.7599998,"end":8.82,"sentiment":"neutral","sentiment_score":0.16647975891828537},{"text":"Very well.","start":11.04,"end":11.679999,"sentiment":"positive","sentiment_score":0.5207623094320297},{"text":"Thank you.","start":11.679999,"end":12.24,"sentiment":"positive","sentiment_score":0.545893132686615}],"sentiment":"neutral","sentiment_score":0.24156278278678656,"num_words":16,"start":4.72,"end":12.24},{"sentences":[{"text":"Are you okay if we start going through your part of the annual review now?","start":12.48,"end":15.765,"sentiment":"neutral","sentiment_score":0.14225461880366008},{"text":"And then, hopefully, Sergio will turn up partway through, and we can continue on with his side of things and then answer any questions together that you both might have.","start":15.765,"end":23.685,"sentiment":"neutral","sentiment_score":0.13416493261853854},{"text":"Does that sound okay?","start":23.685,"end":24.744999,"sentiment":"neutral","sentiment_score":0.09101965464651585},{"text":"Fantastic.","start":26.965,"end":27.465,"sentiment":"positive","sentiment_score":0.6668371558189392},{"text":"Excellent.","start":28.085,"end":28.485,"sentiment":"positive","sentiment_score":0.5975127816200256}],"sentiment":"neutral","sentiment_score":0.15269011405168795,"num_words":51,"start":12.48,"end":28.485},{"sentences":[{"text":"Angela, before I jump into the call, I do have to let you know, and I will let Sergio know when he arrives as well, that we do record our calls for quality and training purposes.","start":28.725,"end":36.53,"sentiment":"neutral","sentiment_score":0.21215252371297944},{"text":"Are you happy for me to proceed with that?","start":36.53,"end":38.55,"sentiment":"neutral","sentiment_score":0.12755704588360256},{"text":"Fantastic.","start":40.370003,"end":40.870003,"sentiment":"positive","sentiment_score":0.5694162845611572},{"text":"And then just to do a security check there with you as well, I'll just need to confirm for me your full name, your date of birth, and address I should have on file.","start":41.09,"end":47.984997,"sentiment":"neutral","sentiment_score":0.17501463280881152},{"text":"Yep.","start":51.725,"end":52.225,"sentiment":"neutral","sentiment_score":0.036932192742824554}],"sentiment":"neutral","sentiment_score":0.18941173159781796,"num_words":81,"start":28.725,"end":52.225},{"sentences":[{"text":"Fantastic.","start":54.925,"end":55.425,"sentiment":"neutral","sentiment_score":0.2889980673789978},{"text":"Beautiful.","start":61.34,"end":61.84,"sentiment":"positive","sentiment_score":0.5180842876434326},{"text":"Thank you so much for that.","start":62.14,"end":63.6,"sentiment":"positive","sentiment_score":0.590309609969457},{"text":"Angela, as part of the annual review, I did send through some documents to yourself and Sergio to kinda go through.","start":63.66,"end":68.94,"sentiment":"neutral","sentiment_score":0.12507317711909613},{"text":"Are you able to open your emails there at the moment?","start":68.94,"end":71.34,"sentiment":"neutral","sentiment_score":0.032864714549346405}],"sentiment":"neutral","sentiment_score":0.18342471485957504,"num_words":40,"start":54.925,"end":71.34},{"sentences":[{"text":"If you can't, that's honestly okay.","start":71.34,"end":72.585,"sentiment":"neutral","sentiment_score":-0.009290046989917755},{"text":"Yeah.","start":77.125,"end":77.445,"sentiment":"neutral","sentiment_score":0.10337349772453308},{"text":"Absolutely.","start":77.445,"end":77.945,"sentiment":"neutral","sentiment_score":0.16039550304412842},{"text":"This makes it a little bit easier so you can see what I'm looking at.","start":78.725,"end":81.865,"sentiment":"neutral","sentiment_score":0.14948492844899494},{"text":"Yes.","start":88.600006,"end":89.0,"sentiment":"neutral","sentiment_score":-0.002597530372440815}],"sentiment":"neutral","sentiment_score":0.10198771313298494,"num_words":24,"start":71.34,"end":89.0},{"sentences":[{"text":"So the that that's what the sorry.","start":89.0,"end":91.0,"sentiment":"neutral","sentiment_score":-0.030371681920119693},{"text":"The ongoing service agreement and the tax file consent attached.","start":91.0,"end":93.96001,"sentiment":"neutral","sentiment_score":-0.0012590322643518449},{"text":"The documents I'm actually gonna go through are below, and they're the attachments there.","start":93.96001,"end":98.22,"sentiment":"neutral","sentiment_score":0.018576220409678563},{"text":"One of those attachments, it should say performance with internal rate of return.","start":99.08,"end":103.895004,"sentiment":"neutral","sentiment_score":0.026151662692427635},{"text":"I'm just checking to see which one is yours because we do have all the documents attached for you both.","start":104.355,"end":111.255,"sentiment":"neutral","sentiment_score":0.05809009575750679}],"sentiment":"neutral","sentiment_score":0.024010133121919353,"num_words":64,"start":89.0,"end":111.255},{"sentences":[{"text":"I'll see if it's kind of separated for you.","start":112.195,"end":115.2,"sentiment":"neutral","sentiment_score":0.006139572192397382},{"text":"It is.","start":119.28,"end":120.02,"sentiment":"neutral","sentiment_score":0.05565386265516281},{"text":"Oh, beautiful.","start":120.32,"end":121.119995,"sentiment":"positive","sentiment_score":0.495465025305748},{"text":"And you're looking at your performance with internal rate of return there?","start":121.119995,"end":124.96,"sentiment":"neutral","sentiment_score":0.14958147890865803},{"text":"It should have the date and then your name at the top.","start":124.96,"end":127.299995,"sentiment":"neutral","sentiment_score":0.0858486785242955}],"sentiment":"neutral","sentiment_score":0.10763934634726595,"num_words":37,"start":112.195,"end":127.299995},{"sentences":[{"text":"Yep.","start":128.64,"end":129.14,"sentiment":"neutral","sentiment_score":0.1673467755317688},{"text":"Beautiful.","start":129.59999,"end":130.09999,"sentiment":"positive","sentiment_score":0.49621790647506714},{"text":"So with this one here, having a look at things, now these documents were prepared a few weeks ago.","start":130.4,"end":134.215,"sentiment":"neutral","sentiment_score":0.05429728123310365},{"text":"So I do apologize.","start":134.215,"end":135.175,"sentiment":"neutral","sentiment_score":-0.1275758920237422},{"text":"We rescheduled last time.","start":135.175,"end":136.295,"sentiment":"neutral","sentiment_score":-0.18025551363825798}],"sentiment":"neutral","sentiment_score":0.015996117337510503,"num_words":29,"start":128.64,"end":136.295},{"sentences":[{"text":"I, unfortunately, was extremely unwell.","start":136.295,"end":138.235,"sentiment":"negative","sentiment_score":-0.4731939136981964},{"text":"But if you have a look and go to the second page of that document, it essentially shows you what your super last year at this time was a 165,650 and 67¢ there.","start":139.415,"end":157.65,"sentiment":"neutral","sentiment_score":0.03456863254541531},{"text":"When we look at the market value now for the balance as of the 07/23/2026, you're up to a $184,019.50 there.","start":157.905,"end":168.64499,"sentiment":"neutral","sentiment_score":0.08803483728496801},{"text":"And I'm just going because this was just a couple of weeks ago.","start":168.70499,"end":171.78,"sentiment":"neutral","sentiment_score":0.0606213455589918},{"text":"If I go back to just your super account there now, I can grab you an updated balance for today's date as well.","start":171.78,"end":179.07999,"sentiment":"neutral","sentiment_score":0.1602927083554475}],"sentiment":"neutral","sentiment_score":0.053869872770093856,"num_words":95,"start":136.295,"end":179.07999},{"sentences":[{"text":"And yeah.","start":180.18,"end":180.65999,"sentiment":"neutral","sentiment_score":0.09738083556294441},{"text":"So it shows you're at a 190,700 and 35.","start":180.65999,"end":185.315,"sentiment":"neutral","sentiment_score":0.08630128701527913},{"text":"Yeah.","start":185.535,"end":186.035,"sentiment":"neutral","sentiment_score":0.2208869755268097},{"text":"Lovely little increase on that since then.","start":186.815,"end":189.155,"sentiment":"positive","sentiment_score":0.4869788544518607},{"text":"Beautiful.","start":189.375,"end":189.875,"sentiment":"positive","sentiment_score":0.5712660551071167}],"sentiment":"neutral","sentiment_score":0.2586239133030176,"num_words":20,"start":180.18,"end":189.875},{"sentences":[{"text":"Perfect.","start":191.615,"end":192.095,"sentiment":"positive","sentiment_score":0.6011276245117188},{"text":"So your super balance has definitely been increasing, which is good.","start":192.095,"end":194.895,"sentiment":"positive","sentiment_score":0.575651613148776},{"text":"That's what we wanna see.","start":194.895,"end":196.27501,"sentiment":"neutral","sentiment_score":0.22492415606975555},{"text":"When we look at how that has performed in this year, we have seen quite a bit in the way of ups and downs with the market and everything that's been going on both here in Australia and also overseas.","start":196.335,"end":205.65001,"sentiment":"neutral","sentiment_score":-0.021990357991307975},{"text":"Your portfolio with regard to this performance report shows that you're up by 5.80%.","start":206.35,"end":214.05501,"sentiment":"neutral","sentiment_score":0.21002219351274626}],"sentiment":"neutral","sentiment_score":0.14251566956370648,"num_words":71,"start":191.615,"end":214.05501},{"sentences":[{"text":"So, realistically, when we think of it as a percentage return in the growth portfolio environment that you're in, we're trying to obtain around about a seven to 9% on a yearly basis there.","start":214.05501,"end":224.70999,"sentiment":"neutral","sentiment_score":0.05263510368326131},{"text":"So it is a little bit of an underperformance for the year, but we do know that there are gonna be years of the portfolio and may not perform exactly where we want it to be or as high as normal.","start":224.70999,"end":234.65,"sentiment":"neutral","sentiment_score":-0.25533758194708245},{"text":"Looking at things this year with everything has gone in, you have got a positive result.","start":235.34999,"end":239.49501,"sentiment":"positive","sentiment_score":0.6980506479740143},{"text":"So it is good to see.","start":239.49501,"end":240.955,"sentiment":"positive","sentiment_score":0.7570664882659912},{"text":"Not everyone likes it as a percentage.","start":241.895,"end":244.395,"sentiment":"neutral","sentiment_score":-0.05775928124785423}],"sentiment":"neutral","sentiment_score":0.06372737494082405,"num_words":104,"start":214.05501,"end":244.395},{"sentences":[{"text":"So if you look at the column in front of that, you'll see total earnings as a dollar figure.","start":244.695,"end":249.435,"sentiment":"neutral","sentiment_score":0.09431853517889977},{"text":"And the number you should see there is 12,925 and $45.46 cents.","start":249.655,"end":255.33,"sentiment":"neutral","sentiment_score":0.12179797763625781},{"text":"Can you see that one there?","start":255.33,"end":256.71,"sentiment":"neutral","sentiment_score":0.06785973285635312},{"text":"Yeah.","start":257.65,"end":258.05,"sentiment":"neutral","sentiment_score":0.22672393918037417},{"text":"So it shows you that your portfolio has made income plus growth within the last twelve months of $12,925.46 there.","start":258.05,"end":267.025,"sentiment":"neutral","sentiment_score":0.33263873904943464}],"sentiment":"neutral","sentiment_score":0.18172905202312717,"num_words":58,"start":244.695,"end":267.025},{"sentences":[{"text":"And then since then, we've had a bit more growth on top of it.","start":267.025,"end":269.905,"sentiment":"neutral","sentiment_score":0.22745869947331293},{"text":"So your portfolio, sorry, has generated a further, a higher return there as well.","start":269.905,"end":275.665,"sentiment":"positive","sentiment_score":0.4021270402840206},{"text":"So it is really good to see.","start":275.665,"end":277.35,"sentiment":"positive","sentiment_score":0.669848552771977},{"text":"We are on track for sort of moving forward there a little bit.","start":277.83002,"end":280.97,"sentiment":"positive","sentiment_score":0.5051847971402682},{"text":"But but, admittedly, and I'm honest, the return is a bit lower than where we would like for the with everything that's been going on globally.","start":281.43,"end":287.93,"sentiment":"neutral","sentiment_score":-0.13287867351363486}],"sentiment":"neutral","sentiment_score":0.224536446992912,"num_words":74,"start":267.025,"end":287.93},{"sentences":[{"text":"Okay?","start":288.15,"end":288.65,"sentiment":"neutral","sentiment_score":-0.004216702654957771},{"text":"Beautiful.","start":290.55002,"end":291.05002,"sentiment":"positive","sentiment_score":0.33934563398361206},{"text":"Now one of the things that I also look at, and I had a bit of a look at your portfolio earlier, if you scroll back to just the first page there for me, we've got in your performance report in the first page all the individual investments that you do have within your portfolio.","start":291.59,"end":305.985,"sentiment":"neutral","sentiment_score":0.06677500209347768},{"text":"You'll see at the top there, you've got some Benelon Australian equities, some bank hybrids, some cybersecurity.","start":306.925,"end":312.0,"sentiment":"neutral","sentiment_score":0.08998134819900289},{"text":"You've got the QR, which is the Raffi 200.","start":313.18,"end":316.0,"sentiment":"neutral","sentiment_score":0.08259460081656773}],"sentiment":"neutral","sentiment_score":0.07567214907472392,"num_words":83,"start":288.15,"end":316.0},{"sentences":[{"text":"You've also got some battery lithium tech, some physical gold, some bonds, some s and p 500, that's some American exposure, and then some property at the very bottom there.","start":316.54,"end":327.165,"sentiment":"neutral","sentiment_score":0.06342197408278784},{"text":"If you look at the second last column at the other end there, you'll see the internal rate of return, and this is showing you how all the individual investments have performed individually in the portfolio.","start":327.545,"end":338.55,"sentiment":"neutral","sentiment_score":0.07146775556935205},{"text":"Realistically, all of them have performed really, really well except for essentially two.","start":339.33,"end":344.23,"sentiment":"neutral","sentiment_score":0.1366914390371396},{"text":"The Ben along Australian Equities is showing it's down by about 23.55%.","start":344.85,"end":350.07,"sentiment":"neutral","sentiment_score":-0.1180592409024636},{"text":"So that could definitely be having an effect on holding your portfolio back a little bit.","start":350.13,"end":354.565,"sentiment":"neutral","sentiment_score":-0.03997048921883106}],"sentiment":"neutral","sentiment_score":0.03921727487974078,"num_words":107,"start":316.54,"end":354.565},{"sentences":[{"text":"So when I reviewed things before calling you, I had decided I already wanted to look at switching this one out for you.","start":354.565,"end":361.045,"sentiment":"neutral","sentiment_score":0.00006721383365599998},{"text":"So I do wanna update some advice, look at removing the underperforming investment.","start":361.045,"end":365.49,"sentiment":"neutral","sentiment_score":-0.006475851083031068},{"text":"Also probably looking at removing the property if it's not performing very well as well, because it's also down by 1.85.","start":366.50998,"end":374.28998,"sentiment":"neutral","sentiment_score":-0.07826375012241658},{"text":"So I'd probably like to just make some changes if you're comfortable with me reviewing the super and the investments and maybe just updating your portfolio and doing a bit of switch out to make sure things are working better for you and updating the portfolio to reflect changes in the market conditions.","start":374.34998,"end":390.09,"sentiment":"neutral","sentiment_score":0.0660924453745192},{"text":"Does that make sense?","start":390.33,"end":391.29,"sentiment":"neutral","sentiment_score":0.04723635036498308}],"sentiment":"neutral","sentiment_score":0.017242685156433207,"num_words":114,"start":354.565,"end":391.29},{"sentences":[{"text":"Do you have any questions?","start":391.29,"end":392.57,"sentiment":"neutral","sentiment_score":0.011589156556874513},{"text":"Are you comfortable with that?","start":392.57,"end":394.19,"sentiment":"neutral","sentiment_score":0.012817324697971344},{"text":"Yeah.","start":396.73,"end":397.23,"sentiment":"neutral","sentiment_score":0.059584297239780426},{"text":"Yeah.","start":399.61,"end":400.11,"sentiment":"neutral","sentiment_score":0.1790250837802887},{"text":"Beautiful.","start":401.37,"end":401.87,"sentiment":"positive","sentiment_score":0.590829610824585}],"sentiment":"neutral","sentiment_score":0.07319010754760641,"num_words":13,"start":391.29,"end":401.87},{"sentences":[{"text":"Beautiful.","start":403.53,"end":404.03,"sentiment":"positive","sentiment_score":0.4817255139350891},{"text":"So sorry.","start":404.09,"end":404.49,"sentiment":"neutral","sentiment_score":0.09068791195750237},{"text":"I just had a quick drink of water.","start":404.49,"end":405.69,"sentiment":"neutral","sentiment_score":0.03761641541495919},{"text":"I do apologize.","start":405.69,"end":406.665,"sentiment":"neutral","sentiment_score":-0.033848767479260765},{"text":"Do you have any questions?","start":408.325,"end":409.445,"sentiment":"neutral","sentiment_score":0.007526206411421299}],"sentiment":"neutral","sentiment_score":0.047374599515215346,"num_words":19,"start":403.53,"end":409.445},{"sentences":[{"text":"Does all of that make any sense?","start":409.445,"end":410.805,"sentiment":"neutral","sentiment_score":0.008053551294973918},{"text":"Is there any anything on those reports that kind of you had additional questions on or would like me to maybe answer there for you additionally?","start":410.805,"end":417.385,"sentiment":"neutral","sentiment_score":0.0070491567110786075},{"text":"Yeah.","start":421.20502,"end":421.38,"sentiment":"neutral","sentiment_score":0.12054023146629332},{"text":"Beautiful.","start":422.5,"end":423.0,"sentiment":"positive","sentiment_score":0.550976037979126},{"text":"Fantastic.","start":423.30002,"end":423.80002,"sentiment":"positive","sentiment_score":0.48905515670776367}],"sentiment":"neutral","sentiment_score":0.03889512110294567,"num_words":36,"start":409.445,"end":423.80002},{"sentences":[{"text":"If you ever find you do get these reports and you're a bit confused or had any additional questions, please let me know.","start":424.66,"end":429.94,"sentiment":"neutral","sentiment_score":0.11293735614289409},{"text":"Part of what I love about being an adviser is the educational value because, you know, none of us grew up understanding or learning any of this at school.","start":429.94,"end":437.115,"sentiment":"neutral","sentiment_score":0.21963738290400342},{"text":"So if you do wanna, you know, have any questions or learn anything additional, please let me know.","start":437.275,"end":442.315,"sentiment":"neutral","sentiment_score":0.17879687166876262},{"text":"I love to break things down and and definitely have a look at it.","start":442.315,"end":445.85498,"sentiment":"neutral","sentiment_score":0.31840270119053976},{"text":"I have been updating a lot of the portfolios over the past few months there and have been able to remove and along and find more cost effective ways of investing.","start":446.07498,"end":453.96,"sentiment":"neutral","sentiment_score":0.17569626339020267}],"sentiment":"neutral","sentiment_score":0.1920835562374281,"num_words":115,"start":424.66,"end":453.96},{"sentences":[{"text":"There are a couple of different ways to invest, and I've got a few different portfolios that we can realistically look at.","start":454.82,"end":461.32,"sentiment":"neutral","sentiment_score":0.08312842723998157},{"text":"Just wanted to sort of when we look at the way you can invest all the different investment styles, there's two main styles of investing.","start":461.78,"end":469.465,"sentiment":"neutral","sentiment_score":0.08075144320726395},{"text":"One of those is an active management style.","start":469.525,"end":471.945,"sentiment":"neutral","sentiment_score":0.05603461666032672},{"text":"An active management style is having in there.","start":473.525,"end":477.28998,"sentiment":"neutral","sentiment_score":0.03870037547312677},{"text":"So Bannalong is an active managed fund.","start":477.28998,"end":479.78998,"sentiment":"neutral","sentiment_score":0.03329895702855928}],"sentiment":"neutral","sentiment_score":0.06912263022469622,"num_words":70,"start":454.82,"end":479.78998},{"sentences":[{"text":"The manager of that fund is supposed to be trying to buy and sell and outperform against the market, but they haven't been able to do so due to the underlying issues.","start":480.16998,"end":488.83,"sentiment":"neutral","sentiment_score":-0.010796950897201896},{"text":"Did you want me to look at replacing that with something similar to Banyan that maybe has that active management in it, or would you like me to just look at investment that might be cheaper, save fees, maybe more passively invested?","start":489.755,"end":501.935,"sentiment":"neutral","sentiment_score":0.017033073208516554},{"text":"So passive investments distract the market.","start":501.995,"end":504.415,"sentiment":"neutral","sentiment_score":-0.0018849633634090417},{"text":"And more often than not, over time, passive investments actually do outperform active managers.","start":504.94,"end":510.72,"sentiment":"neutral","sentiment_score":0.23753677947180613},{"text":"Do you have any more questions?","start":511.58002,"end":513.04004,"sentiment":"neutral","sentiment_score":-0.03830310609191656}],"sentiment":"neutral","sentiment_score":0.03454273141920566,"num_words":100,"start":480.16998,"end":513.04004},{"sentences":[{"text":"Yep.","start":525.675,"end":526.175,"sentiment":"neutral","sentiment_score":0.024784833192825317},{"text":"Yeah.","start":533.05,"end":533.29,"sentiment":"neutral","sentiment_score":0.07009503245353699},{"text":"Yeah.","start":533.29,"end":533.53,"sentiment":"neutral","sentiment_score":0.07210059463977814},{"text":"So you would like to have a portfolio that maybe has some active management in it for you.","start":533.53,"end":538.57,"sentiment":"neutral","sentiment_score":0.10364451093806161},{"text":"Is that right?","start":538.57,"end":539.47003,"sentiment":"neutral","sentiment_score":0.08894969026247661}],"sentiment":"neutral","sentiment_score":0.09580961366494496,"num_words":24,"start":525.675,"end":539.47003},{"sentences":[{"text":"Yep.","start":539.53,"end":540.03,"sentiment":"neutral","sentiment_score":0.10198894143104552},{"text":"Yeah.","start":540.73,"end":541.05,"sentiment":"neutral","sentiment_score":0.28554001450538635},{"text":"Beautiful.","start":541.05,"end":541.55,"sentiment":"positive","sentiment_score":0.6197443008422852},{"text":"I do have an option where I can include a little bit of an active manager in there for you.","start":541.61,"end":546.225,"sentiment":"positive","sentiment_score":0.3511585511267185},{"text":"It's absolutely not a problem.","start":546.225,"end":547.685,"sentiment":"positive","sentiment_score":0.3799182891845703}],"sentiment":"positive","sentiment_score":0.35464413304414066,"num_words":28,"start":539.53,"end":547.685},{"sentences":[{"text":"Now just sort of having a look, and one of the things we do like to look at when we're talking about investments and risk level is your goals.","start":548.14496,"end":554.46497,"sentiment":"neutral","sentiment_score":0.21408865266832813},{"text":"So having a look at things at the moment, Angela, now we originally had here that you were hoping to be able to access super and retire around about the age of 60.","start":554.46497,"end":562.74005,"sentiment":"neutral","sentiment_score":0.06440403391465996},{"text":"Is that still your goal age there for TriNet wanting to access super?","start":563.12,"end":567.46,"sentiment":"neutral","sentiment_score":0.022862111289913837},{"text":"Yep.","start":569.44,"end":569.94,"sentiment":"neutral","sentiment_score":0.06961050629615784},{"text":"Yeah.","start":571.52,"end":572.02,"sentiment":"neutral","sentiment_score":0.18963976204395297}],"sentiment":"neutral","sentiment_score":0.1154592436581076,"num_words":77,"start":548.14496,"end":572.02},{"sentences":[{"text":"Beautiful.","start":572.4,"end":572.9,"sentiment":"positive","sentiment_score":0.4086427688598633},{"text":"Now given your age, so you're 42 this year.","start":573.04004,"end":576.325,"sentiment":"neutral","sentiment_score":0.09796684235334396},{"text":"41 currently.","start":577.185,"end":578.40497,"sentiment":"neutral","sentiment_score":-0.02406620979309082},{"text":"I'm the same age as you, so please don't feel like I'm making you feel older than you are.","start":578.625,"end":583.20496,"sentiment":"neutral","sentiment_score":-0.11087871186043087},{"text":"But it does essentially mean that you have about eighteen years until you're able to retire.","start":583.665,"end":588.165,"sentiment":"neutral","sentiment_score":-0.01767872355412692}],"sentiment":"neutral","sentiment_score":-0.024411556845966804,"num_words":47,"start":572.4,"end":588.165},{"sentences":[{"text":"Being in that growth portfolio environment and having an active manager in your portfolio, it still still suit sorry.","start":588.945,"end":595.86,"sentiment":"neutral","sentiment_score":-0.016980529419685666},{"text":"It still suits your time horizon.","start":595.86,"end":597.4,"sentiment":"neutral","sentiment_score":0.008003216236829758},{"text":"So because you have eighteen years towards before you're able to access your super at this stage, you do have you are able to take on a little bit more risk in the market.","start":597.54,"end":606.265,"sentiment":"neutral","sentiment_score":-0.005461139166179825},{"text":"If you were, say, about five or six years away from retiring, I'd be suggesting we very heavily reduce risk level and maybe not have that active style in there.","start":606.885,"end":615.945,"sentiment":"neutral","sentiment_score":-0.04374270079036554},{"text":"But if you're comfortable with taking on a little bit of extra risk in the market and maybe having an active manager and they're trying to outperform against the market, I'm absolutely happy to do that.","start":616.085,"end":625.69995,"sentiment":"positive","sentiment_score":0.35094789632906515}],"sentiment":"neutral","sentiment_score":0.08689243000745774,"num_words":125,"start":588.945,"end":625.69995},{"sentences":[{"text":"Is that where you'd like me to sort of look at portfolio wise for you?","start":625.69995,"end":629.39996,"sentiment":"neutral","sentiment_score":0.14183107564846675},{"text":"Yes.","start":630.89996,"end":631.38,"sentiment":"neutral","sentiment_score":0.2115727961063385},{"text":"Beautiful.","start":631.38,"end":631.88,"sentiment":"positive","sentiment_score":0.5088106989860535},{"text":"Do you have any questions?","start":632.18,"end":633.315,"sentiment":"neutral","sentiment_score":0.22418199181556703},{"text":"I know I can go through quite a lot, and I try to make it as less complex as possible.","start":633.475,"end":638.775,"sentiment":"neutral","sentiment_score":0.13910854756832122}],"sentiment":"neutral","sentiment_score":0.1607364414348489,"num_words":42,"start":625.69995,"end":638.775},{"sentences":[{"text":"But is there any questions?","start":639.555,"end":640.835,"sentiment":"neutral","sentiment_score":0.03513980060815811},{"text":"Did you want me to break anything down more for you?","start":640.835,"end":643.235,"sentiment":"neutral","sentiment_score":0.024813920259475708},{"text":"Does that all make sense?","start":643.235,"end":644.535,"sentiment":"neutral","sentiment_score":0.021582645550370216},{"text":"That's okay.","start":651.25,"end":651.91,"sentiment":"neutral","sentiment_score":0.0014080258551985025},{"text":"Yeah.","start":654.52997,"end":655.02997,"sentiment":"neutral","sentiment_score":0.035378437489271164}],"sentiment":"neutral","sentiment_score":0.02478166011860594,"num_words":24,"start":639.555,"end":655.02997},{"sentences":[{"text":"Absolutely.","start":656.05,"end":656.55,"sentiment":"neutral","sentiment_score":0.16500699520111084},{"text":"Most definitely.","start":657.57,"end":658.55,"sentiment":"neutral","sentiment_score":0.17025768756866455},{"text":"Not a problem at all.","start":658.77,"end":659.64996,"sentiment":"neutral","sentiment_score":0.22084397077560425},{"text":"Well, what I'll do is I'll go back and have a look at your suit and the investments there.","start":659.64996,"end":663.465,"sentiment":"neutral","sentiment_score":0.06875007972121239},{"text":"I'll definitely look at maybe replacing some the Ben along with something else that we have more of an actively managed fund towards.","start":663.78503,"end":670.36505,"sentiment":"neutral","sentiment_score":0.07494195161954216}],"sentiment":"neutral","sentiment_score":0.09279317252337932,"num_words":50,"start":656.05,"end":670.36505},{"sentences":[{"text":"And I'll also consider passive investments that are working harder, see if I can reduce the investment cost within your fund as well.","start":670.98505,"end":677.75,"sentiment":"neutral","sentiment_score":0.13650835532209146},{"text":"You know, having more money invested for you works harder for your retirement.","start":677.75,"end":681.11,"sentiment":"neutral","sentiment_score":0.056356495389571555},{"text":"So I'll see what I can do with the portfolio to incorporate that passive invest sorry, active investing style as well as try to, you know, limit the cost to make sure your the portfolio has shown great past performance.","start":681.11,"end":693.045,"sentiment":"neutral","sentiment_score":0.1429886009544134},{"text":"Okay?","start":693.345,"end":693.845,"sentiment":"neutral","sentiment_score":0.1271747350692749},{"text":"Fantastic.","start":695.505,"end":696.005,"sentiment":"positive","sentiment_score":0.6031274795532227}],"sentiment":"neutral","sentiment_score":0.1323355495547637,"num_words":78,"start":670.98505,"end":696.005},{"sentences":[{"text":"Well, I'm really happy with how things have performed.","start":696.225,"end":698.305,"sentiment":"positive","sentiment_score":0.7538643346892463},{"text":"We definitely wanna keep building on that and compounding things moving forward.","start":698.305,"end":702.325,"sentiment":"positive","sentiment_score":0.7082077662150065},{"text":"Just wanted to also go over and have a chat about your insurances.","start":703.185,"end":707.00995,"sentiment":"neutral","sentiment_score":0.23424606025218964},{"text":"Now with your insurance cover sorry.","start":707.94995,"end":712.02997,"sentiment":"neutral","sentiment_score":0.046145692157248654},{"text":"Is Sergei is Sergei at home now?","start":712.02997,"end":713.82996,"sentiment":"neutral","sentiment_score":0.00488742786858763}],"sentiment":"positive","sentiment_score":0.3965863220869227,"num_words":47,"start":696.225,"end":713.82996},{"sentences":[{"text":"I can hear him in the background.","start":713.82996,"end":715.17,"sentiment":"neutral","sentiment_score":-0.0692538528570107},{"text":"Oh god.","start":719.38995,"end":720.13,"sentiment":"neutral","sentiment_score":-0.1630081757903099},{"text":"Oh, okay.","start":720.67,"end":721.38995,"sentiment":"neutral","sentiment_score":-0.010999677702784538},{"text":"No.","start":721.38995,"end":721.55,"sentiment":"neutral","sentiment_score":-0.036231596022844315},{"text":"That's fine.","start":721.55,"end":724.515,"sentiment":"neutral","sentiment_score":0.07564937882125378}],"sentiment":"neutral","sentiment_score":-0.051266108240400045,"num_words":14,"start":713.82996,"end":724.515},{"sentences":[{"text":"That's okay.","start":724.515,"end":725.15497,"sentiment":"neutral","sentiment_score":0.26187705993652344},{"text":"We'll let him do what he needs to before he jumps onto the call.","start":725.15497,"end":727.955,"sentiment":"neutral","sentiment_score":0.18601245592747415},{"text":"No issues at all.","start":727.955,"end":728.83496,"sentiment":"neutral","sentiment_score":0.071038156747818},{"text":"Sorry.","start":728.83496,"end":729.075,"sentiment":"neutral","sentiment_score":0.051452700048685074},{"text":"I thought I wasn't sure, and I thought I should just quickly pause for you.","start":729.075,"end":732.595,"sentiment":"neutral","sentiment_score":-0.052263418088356654}],"sentiment":"neutral","sentiment_score":0.07443284884923035,"num_words":36,"start":724.515,"end":732.595},{"sentences":[{"text":"But, honestly, it's all good.","start":732.595,"end":733.795,"sentiment":"positive","sentiment_score":0.3594307005405426},{"text":"If you need to stop for the kids, it's totally fine.","start":733.795,"end":736.295,"sentiment":"positive","sentiment_score":0.3609573543071747},{"text":"Oh, that's really wait.","start":740.86005,"end":742.30005,"sentiment":"neutral","sentiment_score":-0.025119492784142494},{"text":"No.","start":742.30005,"end":742.80005,"sentiment":"neutral","sentiment_score":-0.08792810887098312},{"text":"Please don't ever apologize.","start":742.86005,"end":744.24005,"sentiment":"neutral","sentiment_score":-0.1463187336921692}],"sentiment":"neutral","sentiment_score":0.19976013541221618,"num_words":25,"start":732.595,"end":744.24005},{"sentences":[{"text":"That's beautiful.","start":744.38,"end":745.18005,"sentiment":"positive","sentiment_score":0.45095548033714294},{"text":"You've probably had some great things occur.","start":745.18005,"end":747.12006,"sentiment":"neutral","sentiment_score":0.11544489647660937},{"text":"All good.","start":749.74005,"end":750.48004,"sentiment":"positive","sentiment_score":0.3608129769563675},{"text":"Now with your insurances, when we sort of went through the advice of you, is that we looked at just keeping group cover for you due to the pre assessments.","start":750.7,"end":758.46497,"sentiment":"neutral","sentiment_score":-0.06282934844493866},{"text":"New cover was gonna be very expensive and very hard to obtain.","start":758.52496,"end":761.90497,"sentiment":"neutral","sentiment_score":-0.30505481859048206}],"sentiment":"neutral","sentiment_score":-0.05875258653793695,"num_words":53,"start":744.38,"end":761.90497},{"sentences":[{"text":"So when we look at your life cover, if you were to, say, pass away today, the life cover pays out a lump sum benefit of 206,741 and 18¢.","start":762.285,"end":775.08,"sentiment":"neutral","sentiment_score":-0.06293550293360438},{"text":"But then your super is also paid out on top of that.","start":775.22003,"end":778.34,"sentiment":"neutral","sentiment_score":-0.07031870229790609},{"text":"So if I factor all of that in sorry.","start":778.34,"end":782.26495,"sentiment":"neutral","sentiment_score":-0.07752965639034907},{"text":"I'm just doing some really quick math here for you as well.","start":782.26495,"end":785.64496,"sentiment":"neutral","sentiment_score":-0.027551897801458836},{"text":"Alright.","start":792.90497,"end":793.385,"sentiment":"neutral","sentiment_score":0.1162445992231369}],"sentiment":"neutral","sentiment_score":-0.056744574058440425,"num_words":63,"start":762.285,"end":793.385},{"sentences":[{"text":"Two.","start":793.385,"end":793.83,"sentiment":"neutral","sentiment_score":0.276044100522995},{"text":"Beautiful.","start":801.51,"end":802.01,"sentiment":"neutral","sentiment_score":0.23065641522407532},{"text":"So if we sort of thought about your insurance cover, if you were to pass away today, with your life cover plus your current super balance, all up, the amount paid out would be about 397,475.","start":802.07,"end":816.195,"sentiment":"neutral","sentiment_score":0.027086527966376808},{"text":"Are you fairly happy with that amount?","start":817.135,"end":819.09,"sentiment":"neutral","sentiment_score":0.07067866516964776},{"text":"Did you wanna look at altering that, and what, you know, what would you essentially want that to pay off or pay out to?","start":819.09,"end":825.83,"sentiment":"neutral","sentiment_score":-0.008088902880748114}],"sentiment":"neutral","sentiment_score":0.02583235521139442,"num_words":69,"start":793.385,"end":825.83},{"sentences":[{"text":"Mhmm.","start":834.715,"end":835.215,"sentiment":"neutral","sentiment_score":0.13750028610229492},{"text":"Yep.","start":844.555,"end":844.635,"sentiment":"neutral","sentiment_score":0.0583227276802063},{"text":"Yep.","start":844.635,"end":845.135,"sentiment":"neutral","sentiment_score":0.010330840945243835},{"text":"Okay.","start":847.675,"end":848.175,"sentiment":"neutral","sentiment_score":0.07990379631519318},{"text":"Yep.","start":849.115,"end":849.435,"sentiment":"neutral","sentiment_score":0.27441853284835815}],"sentiment":"neutral","sentiment_score":0.11209523677825928,"num_words":5,"start":834.715,"end":849.435},{"sentences":[{"text":"Beautiful.","start":849.435,"end":849.835,"sentiment":"positive","sentiment_score":0.6975047588348389},{"text":"So you're happy with them receiving anything over, say, 100,000 as a life benefit in the event that you passed away?","start":849.835,"end":856.07,"sentiment":"neutral","sentiment_score":0.24132420841072286},{"text":"Yep.","start":856.20996,"end":856.61,"sentiment":"neutral","sentiment_score":0.08382251858711243},{"text":"Yep.","start":856.61,"end":857.11,"sentiment":"neutral","sentiment_score":0.13435280323028564},{"text":"Fantastic.","start":857.73,"end":858.23,"sentiment":"positive","sentiment_score":0.6422786712646484}],"sentiment":"neutral","sentiment_score":0.2650306851416826,"num_words":25,"start":849.435,"end":858.23},{"sentences":[{"text":"Now you don't have any TBD covers.","start":859.00995,"end":861.32996,"sentiment":"neutral","sentiment_score":0.10243007141564574},{"text":"The TBD is total permanent disability, and it can pay out either a lump sum benefit or an income stream in the event that you're not able to ever go back to work again.","start":861.32996,"end":870.63495,"sentiment":"neutral","sentiment_score":0.10649262680946027},{"text":"We don't have any TBD.","start":870.69495,"end":872.31494,"sentiment":"neutral","sentiment_score":0.06044917069375515},{"text":"I'm more than happy to go back and see if we're able to obtain something for you based on your circumstances.","start":872.45496,"end":877.51495,"sentiment":"neutral","sentiment_score":0.27538222996961503},{"text":"But is having disability cover important to you, or you're just not worried about it?","start":878.45496,"end":883.29,"sentiment":"neutral","sentiment_score":0.03175990854700406}],"sentiment":"neutral","sentiment_score":0.13291989173740149,"num_words":82,"start":859.00995,"end":883.29},{"sentences":[{"text":"Like, what would happen if you were unable to go back to work ever again?","start":883.29,"end":886.73,"sentiment":"neutral","sentiment_score":-0.03255841657519341},{"text":"Does Sergio's income cover the bills?","start":886.73,"end":888.97,"sentiment":"neutral","sentiment_score":-0.017532904942830402},{"text":"Or No.","start":888.97,"end":903.255,"sentiment":"neutral","sentiment_score":-0.04892736300826073},{"text":"Yes.","start":906.275,"end":906.54,"sentiment":"neutral","sentiment_score":0.037408292293548584},{"text":"Okay.","start":911.82,"end":912.32,"sentiment":"neutral","sentiment_score":0.00041389837861061096}],"sentiment":"neutral","sentiment_score":-0.02614424854516983,"num_words":25,"start":883.29,"end":912.32},{"sentences":[{"text":"Yep.","start":925.435,"end":925.935,"sentiment":"neutral","sentiment_score":0.033261191099882126},{"text":"Yep.","start":926.075,"end":926.575,"sentiment":"neutral","sentiment_score":0.06934015452861786},{"text":"Absolutely fine.","start":927.035,"end":928.15497,"sentiment":"neutral","sentiment_score":0.328041210770607},{"text":"Not a problem at all.","start":928.15497,"end":929.355,"sentiment":"positive","sentiment_score":0.3380245745182037},{"text":"Excellent.","start":929.355,"end":929.855,"sentiment":"positive","sentiment_score":0.4746180474758148}],"sentiment":"neutral","sentiment_score":0.29234246872365477,"num_words":10,"start":925.435,"end":929.855},{"sentences":[{"text":"And, look, the other thing to sorta consider is that if you are unable to ever go back to work again, say you, you know, broke your back or you had a car accident, could never go back to your role again, as long as the doctors are willing to say that your total you've got total incapacity, we can also also claim against your super.","start":930.235,"end":947.38,"sentiment":"neutral","sentiment_score":-0.062233082047014526},{"text":"So that would be an extra 190,000 that we can release.","start":947.38,"end":951.34503,"sentiment":"neutral","sentiment_score":-0.023225716399875553},{"text":"Being as you are under the age of 60, unfortunately, it does become taxable, but we, as advisers, can look at what we can do to sort of help you along those lines to minimize the amount of tax.","start":951.885,"end":962.205,"sentiment":"neutral","sentiment_score":0.012213604285930976},{"text":"But you can get access to your super in that instance.","start":962.205,"end":964.99,"sentiment":"neutral","sentiment_score":0.06974406980655411},{"text":"So if anything was to happen, just feel free to let please let us know.","start":964.99,"end":969.31,"sentiment":"neutral","sentiment_score":0.04661155256132285}],"sentiment":"neutral","sentiment_score":-0.017043504732805238,"num_words":142,"start":930.235,"end":969.31},{"sentences":[{"text":"We'll look at what we can help you to claim on.","start":969.31,"end":971.31,"sentiment":"neutral","sentiment_score":0.14228923415595834},{"text":"And if you ever decided that you did maybe need to look at, TBD insurance, let me know.","start":971.31,"end":976.67004,"sentiment":"neutral","sentiment_score":0.04847979576637348},{"text":"I'm more than happy to go back, and we can assess your health and then and see what kind of contracts might be on offer there.","start":976.67004,"end":982.665,"sentiment":"positive","sentiment_score":0.3380068815671481},{"text":"Is that okay?","start":982.665,"end":983.485,"sentiment":"neutral","sentiment_score":0.21365255117416382},{"text":"Beautiful.","start":985.145,"end":985.645,"sentiment":"positive","sentiment_score":0.7093359231948853}],"sentiment":"neutral","sentiment_score":0.21315746435548288,"num_words":59,"start":969.31,"end":985.645},{"sentences":[{"text":"Excellent.","start":985.945,"end":986.445,"sentiment":"positive","sentiment_score":0.5995336771011353},{"text":"The other type of insurance you do have is income protection.","start":987.065,"end":990.605,"sentiment":"neutral","sentiment_score":0.08968850259076465},{"text":"So at the moment, you've got a a monthly benefit payable in the event of being off work due to illness or injury in the short term of $1,113.91.","start":991.225,"end":1003.09,"sentiment":"neutral","sentiment_score":0.027874245468912453},{"text":"I'm thinking about a $1,113 on a monthly basis if you were not able to go to work.","start":1003.39,"end":1009.485,"sentiment":"neutral","sentiment_score":-0.018454407768634457},{"text":"Do you have much in the way of sick leave, annual leave, long service leave that you could also fall back on to provide additional benefit on top of the income protection payment?","start":1009.485,"end":1018.70496,"sentiment":"neutral","sentiment_score":-0.011998010742844957}],"sentiment":"neutral","sentiment_score":0.018112463367920693,"num_words":92,"start":985.945,"end":1018.70496},{"sentences":[{"text":"Yep.","start":1026.83,"end":1027.33,"sentiment":"neutral","sentiment_score":-0.01148924883455038},{"text":"Yep.","start":1027.55,"end":1028.05,"sentiment":"neutral","sentiment_score":-0.013474087230861189},{"text":"Sure.","start":1032.19,"end":1032.555,"sentiment":"neutral","sentiment_score":0.004298021085560322},{"text":"Sure.","start":1032.555,"end":1033.055,"sentiment":"neutral","sentiment_score":0.01366613432765007},{"text":"Yep.","start":1038.3151,"end":1038.8151,"sentiment":"neutral","sentiment_score":-0.001420325366780162}],"sentiment":"neutral","sentiment_score":-0.0016839012037962674,"num_words":5,"start":1026.83,"end":1038.8151},{"sentences":[{"text":"You can do.","start":1041.1151,"end":1041.8351,"sentiment":"neutral","sentiment_score":0.02426356077194214},{"text":"You're absolutely correct.","start":1041.8351,"end":1043.035,"sentiment":"neutral","sentiment_score":0.1263523275653521},{"text":"Yes.","start":1043.035,"end":1043.275,"sentiment":"neutral","sentiment_score":0.03667444735765457},{"text":"So you just have to be off work for ninety days prior to being able to make a claim on the income protection.","start":1043.275,"end":1048.175,"sentiment":"neutral","sentiment_score":0.009157562709372976},{"text":"And then you can be on a claim for up to five years to say if you had a car accident and you broke your back and you were off work for, say, three or six months, you could be on the claim.","start":1049.01,"end":1057.91,"sentiment":"neutral","sentiment_score":-0.019103809541394543}],"sentiment":"neutral","sentiment_score":-0.0016755856930801313,"num_words":73,"start":1041.1151,"end":1057.91},{"sentences":[{"text":"The amount paid out is pretax, so they do also tax you on that.","start":1058.53,"end":1062.2101,"sentiment":"neutral","sentiment_score":0.02938273855085884},{"text":"So, say, rough estimate might be about $900 on a monthly basis paid out to you.","start":1062.2101,"end":1067.7151,"sentiment":"neutral","sentiment_score":0.01821638725232333},{"text":"But in that instance, with Sergio still working and you mentioned your daughter also works, does that amount feel sufficient?","start":1068.3351,"end":1075.555,"sentiment":"neutral","sentiment_score":-0.008047619462013244},{"text":"Would you wanna look at trying to increase that to meet more of your needs, or are you fairly happy with that income protection level that you have?","start":1075.6151,"end":1083.4,"sentiment":"neutral","sentiment_score":-0.008239166012832097},{"text":"I'd have to have a look at the yeah.","start":1097.085,"end":1099.325,"sentiment":"neutral","sentiment_score":0.05262866885297828}],"sentiment":"neutral","sentiment_score":0.00902102894053377,"num_words":87,"start":1058.53,"end":1099.325},{"sentences":[{"text":"You're right.","start":1099.325,"end":1099.725,"sentiment":"neutral","sentiment_score":0.2614290341734886},{"text":"I'd have to have a look at the quotes and find out what that might look like.","start":1099.725,"end":1103.105,"sentiment":"neutral","sentiment_score":0.11805239056839663},{"text":"I could, if you wanted me to, go through as part of the advice and maybe make a recommendation to increase the income protection to be more in line with needs and show you the cost and the effect on your super if you wanted to.","start":1103.405,"end":1116.0599,"sentiment":"neutral","sentiment_score":0.2610231657391009},{"text":"Would you like me to do that for you as part of the advice document?","start":1116.2,"end":1119.5,"sentiment":"neutral","sentiment_score":0.10730442355076472},{"text":"Yep.","start":1126.5449,"end":1127.0449,"sentiment":"neutral","sentiment_score":0.16546382009983063}],"sentiment":"neutral","sentiment_score":0.20138079636258843,"num_words":81,"start":1099.325,"end":1127.0449},{"sentences":[{"text":"Yeah.","start":1129.345,"end":1129.845,"sentiment":"neutral","sentiment_score":0.1511954963207245},{"text":"Yeah.","start":1132.465,"end":1132.965,"sentiment":"neutral","sentiment_score":0.015559583902359009},{"text":"Yeah.","start":1134.705,"end":1135.205,"sentiment":"neutral","sentiment_score":0.0128830224275589},{"text":"I'm just pulling up the pre assessment details that we completed a while back just to sort of look and see what might have changed in your circumstances there because the pre your pre assessment that we completed would definitely give me an indication of why we weren't able to get additional cover on top of this.","start":1135.98,"end":1157.035,"sentiment":"neutral","sentiment_score":-0.14007315899065712},{"text":"Sorry.","start":1157.655,"end":1158.055,"sentiment":"neutral","sentiment_score":-0.13074110448360443}],"sentiment":"neutral","sentiment_score":-0.13008644367705602,"num_words":61,"start":1129.345,"end":1158.055},{"sentences":[{"text":"It won't be a second.","start":1158.055,"end":1159.015,"sentiment":"neutral","sentiment_score":-0.143100506067276},{"text":"I'm just looking for the workbook.","start":1159.015,"end":1161.115,"sentiment":"neutral","sentiment_score":-0.05176002842684587},{"text":"Let's have a look.","start":1163.0951,"end":1176.03,"sentiment":"neutral","sentiment_score":0.10880782082676888},{"text":"It's around December.","start":1176.57,"end":1181.365,"sentiment":"neutral","sentiment_score":0.11282861232757568},{"text":"All good.","start":1181.745,"end":1182.3849,"sentiment":"positive","sentiment_score":0.44522063434123993}],"sentiment":"neutral","sentiment_score":0.03190478440374136,"num_words":20,"start":1158.055,"end":1182.3849},{"sentences":[{"text":"But, yeah, if I include that into the advice, if that's sort of what you're after, then you can sort of see not just the cost of the premium, but also how what kind of effect that has on you because in the insurances are also paid out of super.","start":1182.3849,"end":1195.37,"sentiment":"neutral","sentiment_score":0.048083379566669464},{"text":"So it can over the next sort of couple of years also have an effect on your super there.","start":1195.4299,"end":1200.1699,"sentiment":"neutral","sentiment_score":0.01163726535282637},{"text":"It looks like I don't have much in the way of previous information on the health side of things.","start":1200.87,"end":1210.025,"sentiment":"negative","sentiment_score":-0.45224296262389735},{"text":"Sorry.","start":1210.325,"end":1210.645,"sentiment":"neutral","sentiment_score":-0.2551819086074829},{"text":"I'm just going back through our records.","start":1210.645,"end":1212.825,"sentiment":"neutral","sentiment_score":-0.22992662021092006}],"sentiment":"neutral","sentiment_score":-0.08158341166563332,"num_words":96,"start":1182.3849,"end":1212.825},{"sentences":[{"text":"And we've had a system change since we last sort of went through things you.","start":1216.8049,"end":1220.79,"sentiment":"neutral","sentiment_score":-0.25559359391530356},{"text":"So I'm trying to kinda go back through the old system.","start":1220.79,"end":1223.1101,"sentiment":"neutral","sentiment_score":-0.13939732245423578},{"text":"I do apologize about that.","start":1223.1101,"end":1224.7301,"sentiment":"neutral","sentiment_score":-0.17992541790008545},{"text":"Mhmm.","start":1230.7101,"end":1231.2101,"sentiment":"neutral","sentiment_score":-0.08645403385162354},{"text":"Yeah.","start":1234.0701,"end":1234.425,"sentiment":"neutral","sentiment_score":-0.05609777569770813}],"sentiment":"neutral","sentiment_score":-0.1942258592356335,"num_words":33,"start":1216.8049,"end":1234.425},{"sentences":[{"text":"That's like I think it was, like, the end of twenty twenty three that we kinda went through 2023, '24 that we went through and kind of re onboarded everything and adjusted it all.","start":1239.4651,"end":1249.7101,"sentiment":"neutral","sentiment_score":-0.015090867959182052},{"text":"What I would probably like to do, if you're comfortable with that, is I'd love to do another pre assessment for you.","start":1249.7101,"end":1254.91,"sentiment":"neutral","sentiment_score":0.24414238062771884},{"text":"So get one of my beautiful team members to give you a call next week, get her to do a quick five minute pre assessment with you just so I can have a look at, you know, what kind of contracts might be on offer, what the cost might be, and look at how we can look at increasing the income protection for you.","start":1254.91,"end":1270.155,"sentiment":"neutral","sentiment_score":0.25695525389164686},{"text":"Does that sound okay with you, Angela?","start":1270.155,"end":1271.935,"sentiment":"neutral","sentiment_score":0.12672753312758037},{"text":"Yep.","start":1272.555,"end":1273.055,"sentiment":"positive","sentiment_score":0.4847645163536072}],"sentiment":"neutral","sentiment_score":0.17714872156648198,"num_words":128,"start":1239.4651,"end":1273.055},{"sentences":[{"text":"Fantastic.","start":1273.755,"end":1274.255,"sentiment":"positive","sentiment_score":0.7631186842918396},{"text":"And then they'll give me some updated records to work on for you too, which is really great.","start":1274.475,"end":1279.1101,"sentiment":"positive","sentiment_score":0.6168207161956363},{"text":"You may may have mentioned that with income protection, you can be covered for up to 70% of your gross income, so pretax income.","start":1279.9701,"end":1288.845,"sentiment":"neutral","sentiment_score":0.16290317910412946},{"text":"Did you want me to look at increasing it up to the maximum that you can be on to kinda give your family the best possible expenses to outcome in the event, or is there a certain amount, like you said, one point, you know, 1,500 on a monthly basis you'd be fairly comfortable with, what would you sort of think or feel?","start":1288.845,"end":1306.5499,"sentiment":"neutral","sentiment_score":0.1481052633552324},{"text":"It is yeah.","start":1312.77,"end":1313.6499,"sentiment":"neutral","sentiment_score":-0.05579806367556254}],"sentiment":"neutral","sentiment_score":0.22879637866665464,"num_words":109,"start":1273.755,"end":1313.6499},{"sentences":[{"text":"And it's gross.","start":1313.6499,"end":1314.71,"sentiment":"neutral","sentiment_score":-0.0704076165954272},{"text":"So it does also have an effect like, it's also considered a taxable income.","start":1314.77,"end":1319.7051,"sentiment":"neutral","sentiment_score":-0.05892960514341082},{"text":"Yep.","start":1327.045,"end":1327.545,"sentiment":"neutral","sentiment_score":0.015172290615737438},{"text":"Yep.","start":1335.78,"end":1336.28,"sentiment":"neutral","sentiment_score":-0.015592853538691998},{"text":"So what say anything over 1,000 per week net, so after tax to make it easier.","start":1336.3401,"end":1342.095,"sentiment":"neutral","sentiment_score":0.015150755003560334}],"sentiment":"neutral","sentiment_score":-0.022692737276000637,"num_words":35,"start":1313.6499,"end":1342.095},{"sentences":[{"text":"Yep.","start":1342.655,"end":1342.975,"sentiment":"neutral","sentiment_score":0.13280048966407776},{"text":"Yeah.","start":1342.975,"end":1343.2949,"sentiment":"neutral","sentiment_score":0.20991793274879456},{"text":"Absolutely.","start":1343.2949,"end":1343.7949,"sentiment":"positive","sentiment_score":0.42142194509506226},{"text":"Not a problem at all.","start":1345.135,"end":1346.255,"sentiment":"positive","sentiment_score":0.3633415877819061},{"text":"So I'll look at increasing the income protection.","start":1346.255,"end":1348.655,"sentiment":"neutral","sentiment_score":0.2156786136329174}],"sentiment":"neutral","sentiment_score":0.2691423259675503,"num_words":16,"start":1342.655,"end":1348.655},{"sentences":[{"text":"I'll look at all the options and see what we come out with.","start":1348.655,"end":1351.315,"sentiment":"neutral","sentiment_score":0.1633756200854595},{"text":"If for any reason I can't get another option for you, I'll come back and have that conversation prior to us, going to the advice document just to make sure that you're aware of everything and talk about what your options might be moving forward.","start":1351.5349,"end":1363.77,"sentiment":"neutral","sentiment_score":0.07334286835458544},{"text":"Okay?","start":1363.83,"end":1364.33,"sentiment":"neutral","sentiment_score":0.21171391010284424},{"text":"Fantastic.","start":1365.59,"end":1366.09,"sentiment":"positive","sentiment_score":0.6361016035079956},{"text":"Now there are other types of insurances, and, look, honestly, we can insure everything to the health.","start":1366.39,"end":1371.465,"sentiment":"neutral","sentiment_score":0.18096651399836822}],"sentiment":"neutral","sentiment_score":0.12140984920325218,"num_words":77,"start":1348.655,"end":1371.465},{"sentences":[{"text":"Your main personal insurances are life TBD income protection.","start":1371.925,"end":1375.845,"sentiment":"neutral","sentiment_score":0.07678660212291612},{"text":"You can also hold other covers like trauma.","start":1375.845,"end":1378.265,"sentiment":"neutral","sentiment_score":0.04587897448800504},{"text":"So trauma pays out a lump sum tax free benefit if you are, say, diagnosed with, say, Parkinson's, MS.","start":1379.045,"end":1385.5299,"sentiment":"neutral","sentiment_score":0.014444392272516302},{"text":"Cancer's a big one.","start":1385.59,"end":1386.97,"sentiment":"neutral","sentiment_score":-0.03298618271946907},{"text":"People claim trauma for strokes and heart attacks as well.","start":1387.35,"end":1390.6499,"sentiment":"neutral","sentiment_score":-0.03438007030636072}],"sentiment":"neutral","sentiment_score":0.01713618468493223,"num_words":50,"start":1371.925,"end":1390.6499},{"sentences":[{"text":"The main difference with trauma versus life TV and income protection is trauma is an out of pocket cost.","start":1391.19,"end":1397.0299,"sentiment":"neutral","sentiment_score":-0.08596936103544738},{"text":"You can't actually pay for trauma inside super.","start":1397.0299,"end":1400.4099,"sentiment":"neutral","sentiment_score":-0.10505133867263794},{"text":"Did you feel like you would like to get some additional coverage, say trauma as an additional benefit, or are you happy just with what you've got with the income protection in life and look at increasing income protection?","start":1400.735,"end":1411.3151,"sentiment":"neutral","sentiment_score":-0.011587544478690969},{"text":"What's your thoughts there?","start":1411.6951,"end":1412.82,"sentiment":"neutral","sentiment_score":-0.016367163974791765},{"text":"Yep.","start":1422.82,"end":1423.22,"sentiment":"neutral","sentiment_score":-0.0007589726592414081}],"sentiment":"neutral","sentiment_score":-0.04214042862368957,"num_words":71,"start":1391.19,"end":1423.22},{"sentences":[{"text":"So sorry.","start":1423.22,"end":1423.96,"sentiment":"neutral","sentiment_score":-0.03731390833854675},{"text":"Absolutely.","start":1425.805,"end":1426.125,"sentiment":"neutral","sentiment_score":0.14164206385612488},{"text":"So you're happy with the income protection side of things to cover your income.","start":1426.125,"end":1430.145,"sentiment":"neutral","sentiment_score":0.26303552836179733},{"text":"Happy to increase that.","start":1430.2051,"end":1431.8251,"sentiment":"positive","sentiment_score":0.3527992442250252},{"text":"Happy to keep the life.","start":1431.885,"end":1433.085,"sentiment":"positive","sentiment_score":0.39409968852996824}],"sentiment":"neutral","sentiment_score":0.2742771947613129,"num_words":26,"start":1423.22,"end":1433.085},{"sentences":[{"text":"You're not worried about CBD or any trauma benefit.","start":1433.085,"end":1436.9451,"sentiment":"neutral","sentiment_score":0.03176213624990649},{"text":"Yep.","start":1437.005,"end":1437.245,"sentiment":"neutral","sentiment_score":0.029676644131541252},{"text":"That's okay.","start":1437.245,"end":1438.0651,"sentiment":"neutral","sentiment_score":0.05434870906174183},{"text":"Beautiful.","start":1439.085,"end":1439.585,"sentiment":"neutral","sentiment_score":0.2866351008415222},{"text":"Absolutely fine.","start":1440.125,"end":1441.425,"sentiment":"neutral","sentiment_score":0.24213234335184097}],"sentiment":"neutral","sentiment_score":0.0796755384032925,"num_words":15,"start":1433.085,"end":1441.425},{"sentences":[{"text":"And there are additional, like, child benefits and things like that.","start":1442.1,"end":1445.86,"sentiment":"neutral","sentiment_score":0.10014795850623738},{"text":"How many kids do you and Sergio actually have?","start":1445.86,"end":1448.6,"sentiment":"neutral","sentiment_score":0.037885180571013026},{"text":"Yeah.","start":1450.66,"end":1451.16,"sentiment":"neutral","sentiment_score":0.009737907908856869},{"text":"Wow.","start":1458.355,"end":1458.855,"sentiment":"neutral","sentiment_score":0.03699313849210739},{"text":"Oh, wow.","start":1461.075,"end":1461.975,"sentiment":"neutral","sentiment_score":0.05551852658390999}],"sentiment":"neutral","sentiment_score":0.06668176117818803,"num_words":24,"start":1442.1,"end":1461.975},{"sentences":[{"text":"14 years of age.","start":1462.035,"end":1463.155,"sentiment":"neutral","sentiment_score":0.03176688542589545},{"text":"Beautiful.","start":1463.155,"end":1463.555,"sentiment":"neutral","sentiment_score":0.24686305224895477},{"text":"And so your son's 14.","start":1463.555,"end":1464.915,"sentiment":"neutral","sentiment_score":0.07786949276924134},{"text":"Your daughter's 21.","start":1464.915,"end":1466.035,"sentiment":"neutral","sentiment_score":0.04722943653663},{"text":"Is that right?","start":1466.035,"end":1466.855,"sentiment":"neutral","sentiment_score":0.07055337975422542}],"sentiment":"neutral","sentiment_score":0.06978915666695684,"num_words":16,"start":1462.035,"end":1466.855},{"sentences":[{"text":"Yep.","start":1468.035,"end":1468.355,"sentiment":"neutral","sentiment_score":0.034818440675735474},{"text":"Yep.","start":1468.355,"end":1468.755,"sentiment":"neutral","sentiment_score":0.28991246223449707},{"text":"Beautiful.","start":1468.755,"end":1469.255,"sentiment":"positive","sentiment_score":0.7288936376571655},{"text":"I mean, mean, amazing ages.","start":1469.3151,"end":1470.88,"sentiment":"positive","sentiment_score":0.5729744553565979},{"text":"How is it with boys going through at teenage years?","start":1470.94,"end":1474.0599,"sentiment":"neutral","sentiment_score":0.13744820058345794}],"sentiment":"neutral","sentiment_score":0.2940543790658315,"num_words":18,"start":1468.035,"end":1474.0599},{"sentences":[{"text":"I'm about to do that.","start":1474.0599,"end":1475.1,"sentiment":"neutral","sentiment_score":0.1600882440805435},{"text":"So anything you can give me advice wise will be perfect.","start":1475.1,"end":1478.0,"sentiment":"positive","sentiment_score":0.3652274107391184},{"text":"Oh, wow.","start":1486.455,"end":1489.035,"sentiment":"neutral","sentiment_score":-0.01287986570969224},{"text":"Yep.","start":1489.415,"end":1489.915,"sentiment":"neutral","sentiment_score":0.05291552096605301},{"text":"Oh, yep.","start":1495.335,"end":1498.055,"sentiment":"neutral","sentiment_score":0.08102736622095108}],"sentiment":"neutral","sentiment_score":0.23843586954864718,"num_words":21,"start":1474.0599,"end":1498.055},{"sentences":[{"text":"Yep.","start":1498.055,"end":1498.535,"sentiment":"neutral","sentiment_score":0.1345960944890976},{"text":"Thank you for that.","start":1498.535,"end":1499.49,"sentiment":"positive","sentiment_score":0.586167648434639},{"text":"Yes.","start":1499.57,"end":1499.73,"sentiment":"neutral","sentiment_score":0.15940633416175842},{"text":"I'm about to hit those teenage years with my son.","start":1499.73,"end":1502.13,"sentiment":"neutral","sentiment_score":0.021679652109742164},{"text":"I have not done boys before.","start":1502.13,"end":1503.41,"sentiment":"neutral","sentiment_score":-0.05709639750421047}],"sentiment":"neutral","sentiment_score":0.11422232538461685,"num_words":22,"start":1498.055,"end":1503.41},{"sentences":[{"text":"I had girls.","start":1503.41,"end":1504.37,"sentiment":"neutral","sentiment_score":-0.03808727487921715},{"text":"So I've been asking all my friends, like, how was it?","start":1504.37,"end":1507.41,"sentiment":"neutral","sentiment_score":0.01600929485125975},{"text":"What did you do?","start":1507.41,"end":1508.21,"sentiment":"neutral","sentiment_score":-0.028357256203889847},{"text":"How did you deal with it?","start":1508.21,"end":1509.51,"sentiment":"neutral","sentiment_score":-0.014204459575315317},{"text":"Yeah.","start":1517.985,"end":1518.485,"sentiment":"neutral","sentiment_score":0.016435492783784866}],"sentiment":"neutral","sentiment_score":-0.004815194830298424,"num_words":25,"start":1503.41,"end":1518.485},{"sentences":[{"text":"Yeah.","start":1520.625,"end":1521.125,"sentiment":"neutral","sentiment_score":0.011688098311424255},{"text":"Different.","start":1529.66,"end":1530.06,"sentiment":"neutral","sentiment_score":0.06351467221975327},{"text":"Goodness, ma'am.","start":1530.06,"end":1530.7001,"sentiment":"positive","sentiment_score":0.3909444808959961},{"text":"Well, I think you're doing amazing, and I hope you feel you're doing amazing.","start":1530.7001,"end":1533.98,"sentiment":"positive","sentiment_score":0.6344440920012338},{"text":"You're doing a great job.","start":1533.98,"end":1535.28,"sentiment":"positive","sentiment_score":0.7481815218925476}],"sentiment":"positive","sentiment_score":0.586096375208834,"num_words":23,"start":1520.625,"end":1535.28},{"sentences":[{"text":"Excellent.","start":1535.5801,"end":1536.0801,"sentiment":"positive","sentiment_score":0.5795559883117676},{"text":"No.","start":1536.9401,"end":1537.42,"sentiment":"neutral","sentiment_score":-0.01949923485517502},{"text":"All good.","start":1537.42,"end":1537.9,"sentiment":"neutral","sentiment_score":0.025158505886793137},{"text":"We'll look down the track if the kids ever wanted to talk about additional insurances, life cover, and things like that.","start":1537.9,"end":1542.795,"sentiment":"neutral","sentiment_score":0.03883282662857147},{"text":"We can certainly look at helping them out.","start":1542.795,"end":1544.655,"sentiment":"neutral","sentiment_score":0.207082387059927}],"sentiment":"neutral","sentiment_score":0.09340976426998775,"num_words":33,"start":1535.5801,"end":1544.655},{"sentences":[{"text":"Your daughter is a bit older for child cover, so there are additional, you know, insurances aside from what you have for yourself that you can put in place to cover your children as well.","start":1545.115,"end":1554.175,"sentiment":"neutral","sentiment_score":0.002956757800919669},{"text":"Your daughter being 21 is a bit over the age to get child cover, and your son is almost the cutoff point for child cover entry as well.","start":1554.69,"end":1562.85,"sentiment":"neutral","sentiment_score":-0.08181591092475823},{"text":"So but it's just it's more just a lot of people tend to have those sorts of things to cover, you know, their children if they were to, heaven forbid, for you know, pass away, or we have had clients where their kids have been diagnosed with cancer or a major illness of some sort, and they've claimed on that child trauma policy to kind of provide a little bit of extra benefit allowing them to take time off while their kids are seeking treatment.","start":1562.85,"end":1588.65,"sentiment":"neutral","sentiment_score":-0.025264064499916618},{"text":"So there's all those other options, but, yeah, your son is almost at that cutoff point.","start":1588.65,"end":1593.05,"sentiment":"neutral","sentiment_score":-0.07243222690885887},{"text":"Your daughter's a little bit too old for those there.","start":1593.05,"end":1595.385,"sentiment":"neutral","sentiment_score":-0.2137857958674431}],"sentiment":"neutral","sentiment_score":-0.04385964399178234,"num_words":174,"start":1545.115,"end":1595.385},{"sentences":[{"text":"But down the track, if they ever decide they wanna look at life insurance and things like that, you're welcome to direct them our way, and we're certainly able to help them in that aspect as well.","start":1595.705,"end":1604.4451,"sentiment":"neutral","sentiment_score":0.16363100143703255},{"text":"Okay?","start":1604.505,"end":1605.005,"sentiment":"neutral","sentiment_score":0.1470622420310974},{"text":"Excellent.","start":1606.825,"end":1607.325,"sentiment":"positive","sentiment_score":0.5376418828964233},{"text":"Beautiful.","start":1607.545,"end":1608.045,"sentiment":"positive","sentiment_score":0.5747281908988953},{"text":"So we've gone through your super and your life cover and income protection side of things.","start":1608.185,"end":1612.48,"sentiment":"neutral","sentiment_score":0.29472756013274193}],"sentiment":"neutral","sentiment_score":0.21481107734143734,"num_words":56,"start":1595.705,"end":1612.48},{"sentences":[{"text":"I've got a really good idea of what we'll do moving forward, and I'll make sure before the end of the call I book you in to have a pre assessment with my colleague and my admin team here.","start":1612.48,"end":1620.98,"sentiment":"neutral","sentiment_score":0.2545784173103479},{"text":"Just to sort of update a few additional details for yourself, Angela, Income wise, we had you on about 100,000 last year.","start":1621.44,"end":1628.865,"sentiment":"neutral","sentiment_score":0.028080511922863396},{"text":"Is that still correct or if you had a pay rise since we last caught up?","start":1628.865,"end":1632.5651,"sentiment":"neutral","sentiment_score":-0.010295460757333785},{"text":"Yep.","start":1637.68,"end":1637.76,"sentiment":"neutral","sentiment_score":0.032886654138565063},{"text":"Yep.","start":1637.76,"end":1638.26,"sentiment":"neutral","sentiment_score":0.06438831239938736}],"sentiment":"neutral","sentiment_score":0.13264401432692627,"num_words":79,"start":1612.48,"end":1638.26},{"sentences":[{"text":"Beautiful.","start":1639.2001,"end":1639.7001,"sentiment":"neutral","sentiment_score":0.2528688311576843},{"text":"And I also had expenditure wise.","start":1640.3201,"end":1642.4,"sentiment":"neutral","sentiment_score":0.10164612904191017},{"text":"So you guys were able to save about $600 on a weekly basis from your income.","start":1642.4,"end":1647.52,"sentiment":"neutral","sentiment_score":0.0674400981515646},{"text":"Are you still finding that that is possible, or has things changed a little bit with your savings and your expenditure recently?","start":1647.52,"end":1654.2649,"sentiment":"neutral","sentiment_score":0.008632132444869389},{"text":"Still possible?","start":1656.965,"end":1657.7849,"sentiment":"neutral","sentiment_score":-0.041336098685860634}],"sentiment":"neutral","sentiment_score":0.04359621047339541,"num_words":47,"start":1639.2001,"end":1657.7849},{"sentences":[{"text":"Yep.","start":1658.005,"end":1658.505,"sentiment":"neutral","sentiment_score":0.0474674217402935},{"text":"Fantastic.","start":1659.0449,"end":1659.5449,"sentiment":"neutral","sentiment_score":0.3324836790561676},{"text":"Excellent.","start":1660.6449,"end":1661.1449,"sentiment":"neutral","sentiment_score":0.2519555985927582},{"text":"And you're still down as a a nurse educational officer with TAFE New South Wales.","start":1662.24,"end":1666.88,"sentiment":"neutral","sentiment_score":0.08245269854863485},{"text":"Is that still correct?","start":1666.88,"end":1668.02,"sentiment":"neutral","sentiment_score":0.06678792554885149}],"sentiment":"neutral","sentiment_score":0.09708403999155218,"num_words":22,"start":1658.005,"end":1668.02},{"sentences":[{"text":"Beautiful.","start":1670.3201,"end":1670.8201,"sentiment":"neutral","sentiment_score":0.29076579213142395},{"text":"And I've also got your car down here with an asset value of 32,000.","start":1671.52,"end":1676.5,"sentiment":"neutral","sentiment_score":0.08931811446590084},{"text":"What sort of car do you drive?","start":1677.4851,"end":1679.425,"sentiment":"neutral","sentiment_score":0.024072725858007158},{"text":"Beautiful.","start":1683.0851,"end":1683.5851,"sentiment":"neutral","sentiment_score":0.143477663397789},{"text":"Lovely.","start":1685.4851,"end":1685.9851,"sentiment":"positive","sentiment_score":0.557109534740448}],"sentiment":"neutral","sentiment_score":0.10042981974159677,"num_words":24,"start":1670.3201,"end":1685.9851},{"sentences":[{"text":"And would you still value that at 32,000, do you think?","start":1686.045,"end":1689.3,"sentiment":"neutral","sentiment_score":0.07601714557544752},{"text":"Yeah.","start":1696.5801,"end":1697.0801,"sentiment":"neutral","sentiment_score":0.005351928528398275},{"text":"Yep.","start":1697.4601,"end":1697.9601,"sentiment":"neutral","sentiment_score":0.006222383119165897},{"text":"Yep.","start":1702.42,"end":1702.8201,"sentiment":"neutral","sentiment_score":0.0899004340171814},{"text":"Beautiful.","start":1702.8201,"end":1703.3201,"sentiment":"positive","sentiment_score":0.4999263286590576}],"sentiment":"neutral","sentiment_score":0.09583931171024838,"num_words":15,"start":1686.045,"end":1703.3201},{"sentences":[{"text":"That's okay.","start":1705.495,"end":1706.395,"sentiment":"neutral","sentiment_score":0.09063174575567245},{"text":"And with the debt value, we had you guys owed about 25,000 on that vehicle.","start":1707.415,"end":1711.655,"sentiment":"neutral","sentiment_score":-0.0025235387807091077},{"text":"Do you still have a loan on the car?","start":1711.655,"end":1713.515,"sentiment":"neutral","sentiment_score":0.0018292800005939272},{"text":"Yep.","start":1715.655,"end":1716.135,"sentiment":"neutral","sentiment_score":0.15343669056892395},{"text":"Beautiful.","start":1716.135,"end":1716.635,"sentiment":"positive","sentiment_score":0.4230075478553772}],"sentiment":"neutral","sentiment_score":0.026297077436798384,"num_words":28,"start":1705.495,"end":1716.635},{"sentences":[{"text":"And is it still valued sorry.","start":1717.32,"end":1718.9199,"sentiment":"neutral","sentiment_score":0.0627862677598993},{"text":"The loan's still about 25,000, or have you been able to reduce that since then?","start":1718.9199,"end":1723.1799,"sentiment":"neutral","sentiment_score":-0.0124021093477495},{"text":"Yeah.","start":1726.6,"end":1726.84,"sentiment":"neutral","sentiment_score":0.07406021654605865},{"text":"You're fine.","start":1726.84,"end":1727.6599,"sentiment":"neutral","sentiment_score":0.09651065617799759},{"text":"The loan, 25,000.","start":1759.0651,"end":1760.845,"sentiment":"neutral","sentiment_score":-0.0032599979701141515}],"sentiment":"neutral","sentiment_score":0.016592129679069062,"num_words":27,"start":1717.32,"end":1760.845},{"sentences":[{"text":"That's okay.","start":1778.76,"end":1779.5801,"sentiment":"neutral","sentiment_score":-0.01233404316008091},{"text":"Did you consolidate it into your loan?","start":1790.125,"end":1792.3049,"sentiment":"neutral","sentiment_score":-0.01785571314394474},{"text":"Yes.","start":1794.205,"end":1794.705,"sentiment":"neutral","sentiment_score":0.023048652336001396},{"text":"Yep.","start":1796.84,"end":1797.34,"sentiment":"neutral","sentiment_score":0.01339922659099102},{"text":"Yep.","start":1804.2001,"end":1804.7001,"sentiment":"neutral","sentiment_score":0.04169178009033203}],"sentiment":"neutral","sentiment_score":-0.005959868275870879,"num_words":12,"start":1778.76,"end":1804.7001},{"sentences":[{"text":"That's okay.","start":1804.76,"end":1805.56,"sentiment":"neutral","sentiment_score":0.09137189388275146},{"text":"Not a problem at all.","start":1805.56,"end":1806.52,"sentiment":"neutral","sentiment_score":0.1169411599636078},{"text":"So when consolidated into your home loan, what does that mean you owe on your home loan now?","start":1806.52,"end":1812.005,"sentiment":"neutral","sentiment_score":0.006934169330634177},{"text":"Oh, no.","start":1820.705,"end":1821.6849,"sentiment":"neutral","sentiment_score":-0.06365610286593437},{"text":"No.","start":1861.24,"end":1861.48,"sentiment":"neutral","sentiment_score":-0.06377363204956055}],"sentiment":"neutral","sentiment_score":0.02504209991976885,"num_words":28,"start":1804.76,"end":1861.48},{"sentences":[{"text":"That's okay.","start":1861.48,"end":1862.12,"sentiment":"positive","sentiment_score":0.3723684996366501},{"text":"That's alright.","start":1862.12,"end":1862.6,"sentiment":"neutral","sentiment_score":0.25288809835910797},{"text":"We had about six six 120 five thousand here last year.","start":1862.6,"end":1866.145,"sentiment":"neutral","sentiment_score":0.04276722635735165},{"text":"Do you think it'd be roughly around the same with the consolidation, or do you think it might have increased by about 20 or thousand?","start":1866.145,"end":1873.0449,"sentiment":"neutral","sentiment_score":-0.0068973803147673604},{"text":"Okay.","start":1885.6,"end":1886.08,"sentiment":"neutral","sentiment_score":0.16589751839637756}],"sentiment":"neutral","sentiment_score":0.04181501698657507,"num_words":41,"start":1861.48,"end":1886.08},{"sentences":[{"text":"Beautiful.","start":1886.08,"end":1886.58,"sentiment":"positive","sentiment_score":0.383585661649704},{"text":"Because, yeah, I had about $6.25 here from the last valuation.","start":1886.72,"end":1892.015,"sentiment":"neutral","sentiment_score":0.09330017153512347},{"text":"So do you think I just add the extra sort of 25,000 on top of that to give the rough valuation for the mortgage?","start":1892.235,"end":1898.015,"sentiment":"neutral","sentiment_score":0.03111276278893153},{"text":"Yep.","start":1899.675,"end":1900.175,"sentiment":"neutral","sentiment_score":0.07843352854251862},{"text":"Yep.","start":1900.5549,"end":1900.955,"sentiment":"neutral","sentiment_score":0.12341675162315369}],"sentiment":"neutral","sentiment_score":0.06206431935884451,"num_words":38,"start":1886.08,"end":1900.955},{"sentences":[{"text":"Beautiful.","start":1900.955,"end":1901.455,"sentiment":"neutral","sentiment_score":0.3031577169895172},{"text":"That's okay.","start":1904.635,"end":1905.57,"sentiment":"neutral","sentiment_score":0.09781623631715775},{"text":"Not a problem.","start":1905.57,"end":1906.5499,"sentiment":"neutral","sentiment_score":0.18918635447820029},{"text":"All all good.","start":1908.69,"end":1909.57,"sentiment":"positive","sentiment_score":0.4085967540740967},{"text":"Thank you for updating that.","start":1909.57,"end":1910.77,"sentiment":"positive","sentiment_score":0.5048943042755127}],"sentiment":"positive","sentiment_score":0.3440436454755919,"num_words":14,"start":1900.955,"end":1910.77},{"sentences":[{"text":"And what kind of car does Sergio drive?","start":1910.77,"end":1912.95,"sentiment":"neutral","sentiment_score":0.04735861741937697},{"text":"Corolla.","start":1917.4099,"end":1917.9099,"sentiment":"neutral","sentiment_score":0.0973147600889206},{"text":"Beautiful.","start":1918.0499,"end":1918.2825,"sentiment":"neutral","sentiment_score":0.3197614848613739},{"text":"Hatchback.","start":1918.2825,"end":1918.515,"sentiment":"neutral","sentiment_score":0.1584814190864563},{"text":"That's That's okay.","start":1934.035,"end":1938.7201,"sentiment":"neutral","sentiment_score":0.04702039357895652}],"sentiment":"neutral","sentiment_score":0.07824912743775972,"num_words":14,"start":1910.77,"end":1938.7201},{"sentences":[{"text":"I I can always have a look at, you know, the rough valuation of that make and model if you like to see what the average would be.","start":1938.7201,"end":1945.36,"sentiment":"neutral","sentiment_score":0.03848662234044501},{"text":"Absolutely.","start":1945.36,"end":1945.86,"sentiment":"neutral","sentiment_score":0.13044655323028564},{"text":"What year model is it?","start":1947.135,"end":1948.675,"sentiment":"neutral","sentiment_score":0.029017780721187592},{"text":"Yep.","start":1956.735,"end":1957.235,"sentiment":"neutral","sentiment_score":0.04284922778606415},{"text":"Yep.","start":1962.095,"end":1962.36,"sentiment":"neutral","sentiment_score":0.05444047972559929}],"sentiment":"neutral","sentiment_score":0.04029029416334298,"num_words":36,"start":1938.7201,"end":1962.36},{"sentences":[{"text":"Beautiful.","start":1967.24,"end":1967.74,"sentiment":"positive","sentiment_score":0.36867985129356384},{"text":"Beautiful.","start":1970.2,"end":1970.7,"sentiment":"neutral","sentiment_score":0.32999151945114136},{"text":"Is it like a sports or anything fancy, or is it just more of the standard?","start":1970.84,"end":1975.66,"sentiment":"neutral","sentiment_score":0.058622909942641854},{"text":"Nope.","start":1980.3451,"end":1980.5851,"sentiment":"neutral","sentiment_score":-0.006447495426982641},{"text":"That's okay.","start":1980.5851,"end":1981.3251,"sentiment":"neutral","sentiment_score":0.12086398899555206}],"sentiment":"neutral","sentiment_score":0.08913897201862364,"num_words":21,"start":1967.24,"end":1981.3251},{"sentences":[{"text":"Beautiful.","start":1981.385,"end":1981.865,"sentiment":"positive","sentiment_score":0.389335036277771},{"text":"I can go back and have a look.","start":1981.865,"end":1983.0651,"sentiment":"neutral","sentiment_score":0.25671433098614216},{"text":"I've got a few options for looking at research data on those sorts of things.","start":1983.0651,"end":1987.145,"sentiment":"neutral","sentiment_score":0.1779207686583201},{"text":"To look at the average valuation, it's not a problem at all.","start":1987.145,"end":1990.365,"sentiment":"neutral","sentiment_score":0.15058767752877125},{"text":"And assets wise, do you have any other assets, any other shares, cryptocurrency, collections, or anything else of value that you guys would note down?","start":1991.38,"end":1999.4,"sentiment":"neutral","sentiment_score":0.05548302374780178}],"sentiment":"neutral","sentiment_score":0.13616375308331163,"num_words":61,"start":1981.385,"end":1999.4},{"sentences":[{"text":"No.","start":2001.46,"end":2001.62,"sentiment":"neutral","sentiment_score":-0.11917181313037872},{"text":"That's okay.","start":2001.62,"end":2002.26,"sentiment":"neutral","sentiment_score":-0.035926565527915955},{"text":"Another one I like to note down is contents.","start":2002.26,"end":2005.3151,"sentiment":"neutral","sentiment_score":0.16251069058974585},{"text":"Because, realistically, if you think about something happens, if you tip your house upside down and everything fell out, that's all considered content.","start":2005.3151,"end":2012.4551,"sentiment":"neutral","sentiment_score":0.12003050906502682},{"text":"And we ensure that to make sure it's it's covered in the event that something happened to our home.","start":2012.515,"end":2018.135,"sentiment":"neutral","sentiment_score":0.13091169748651355}],"sentiment":"neutral","sentiment_score":0.12073324503446067,"num_words":54,"start":2001.46,"end":2018.135},{"sentences":[{"text":"Do you have contents insurance?","start":2018.85,"end":2020.63,"sentiment":"neutral","sentiment_score":-0.00588311068713665},{"text":"Or nope.","start":2020.77,"end":2023.89,"sentiment":"neutral","sentiment_score":-0.03651014342904091},{"text":"That's okay.","start":2023.89,"end":2024.71,"sentiment":"neutral","sentiment_score":0.02528835367411375},{"text":"Do do you know what you might value your contents at if you had to sort of replace everything?","start":2025.01,"end":2030.15,"sentiment":"neutral","sentiment_score":0.004221827085865171},{"text":"If you're not sure, that's okay.","start":2030.53,"end":2031.595,"sentiment":"neutral","sentiment_score":-0.023297426911691826}],"sentiment":"neutral","sentiment_score":-0.00327732293483089,"num_words":34,"start":2018.85,"end":2031.595},{"sentences":[{"text":"Yeah.","start":2031.595,"end":2032.095,"sentiment":"neutral","sentiment_score":0.01203136146068573},{"text":"Yeah.","start":2034.7949,"end":2035.2949,"sentiment":"neutral","sentiment_score":0.009370370768010616},{"text":"Sorry.","start":2036.315,"end":2036.715,"sentiment":"neutral","sentiment_score":-0.021839618682861328},{"text":"I asked all the tough questions.","start":2036.715,"end":2038.095,"sentiment":"neutral","sentiment_score":-0.029520181939005852},{"text":"Yeah.","start":2042.235,"end":2042.735,"sentiment":"neutral","sentiment_score":0.005755431950092316}],"sentiment":"neutral","sentiment_score":-0.01718035461381078,"num_words":10,"start":2031.595,"end":2042.735},{"sentences":[{"text":"Yeah.","start":2044.715,"end":2045.215,"sentiment":"neutral","sentiment_score":0.0012220386415719986},{"text":"Yeah.","start":2059.61,"end":2060.09,"sentiment":"neutral","sentiment_score":0.017516404390335083},{"text":"So to give you a bit of an idea, the average contents replacement costs for an average household in Australia is around but it's between 80,000 to a 150 thousand.","start":2060.09,"end":2072.7249,"sentiment":"neutral","sentiment_score":0.020074719532082477},{"text":"Yeah.","start":2073.345,"end":2073.845,"sentiment":"neutral","sentiment_score":0.013639851473271849},{"text":"Yeah.","start":2074.545,"end":2075.045,"sentiment":"neutral","sentiment_score":0.008090662769973278}],"sentiment":"neutral","sentiment_score":0.0189032512716949,"num_words":34,"start":2044.715,"end":2075.045},{"sentences":[{"text":"Yeah.","start":2075.425,"end":2075.825,"sentiment":"neutral","sentiment_score":0.009758317843079569},{"text":"They estimate that if you had to replace everything, so your house burned down or something happened, the average cost of replacing everything in your household from your cutlery, your underwear, your kids' clothes, your TVs, everything could be anywhere from 80 to a $150,000.","start":2075.825,"end":2095.215,"sentiment":"neutral","sentiment_score":-0.008031632435611552},{"text":"Yeah.","start":2100.475,"end":2100.975,"sentiment":"neutral","sentiment_score":0.04547085613012314},{"text":"Yeah.","start":2103.915,"end":2104.415,"sentiment":"neutral","sentiment_score":0.010843333788216114},{"text":"Yep.","start":2107.45,"end":2107.95,"sentiment":"neutral","sentiment_score":0.013919859193265438}],"sentiment":"neutral","sentiment_score":-0.005743491686690523,"num_words":49,"start":2075.425,"end":2107.95},{"sentences":[{"text":"Yeah.","start":2110.01,"end":2110.49,"sentiment":"neutral","sentiment_score":0.023782452568411827},{"text":"I can put maybe a 100,000 for you if you like this sort of note in 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thought.","start":2131.625,"end":2133.12,"sentiment":"neutral","sentiment_score":0.0018642979363600414},{"text":"Fantastic.","start":2133.28,"end":2133.78,"sentiment":"positive","sentiment_score":0.6767383217811584},{"text":"561.","start":2134.0,"end":2134.8,"sentiment":"positive","sentiment_score":0.5279261469841003}],"sentiment":"neutral","sentiment_score":0.1910952478647232,"num_words":10,"start":2117.145,"end":2134.8},{"sentences":[{"text":"I love that.","start":2134.8,"end":2135.78,"sentiment":"positive","sentiment_score":0.7745128671328226},{"text":"Fantastic.","start":2137.2002,"end":2137.7002,"sentiment":"positive","sentiment_score":0.6754685640335083},{"text":"Yep.","start":2139.84,"end":2140.34,"sentiment":"neutral","sentiment_score":0.20743732154369351},{"text":"Fantastic.","start":2140.4001,"end":2140.9001,"sentiment":"positive","sentiment_score":0.5302822589874268},{"text":"Well, that's really good to know.","start":2141.04,"end":2142.4001,"sentiment":"positive","sentiment_score":0.6318344175815582}],"sentiment":"positive","sentiment_score":0.6273111042877039,"num_words":12,"start":2134.8,"end":2142.4001},{"sentences":[{"text":"Beautiful.","start":2142.4001,"end":2142.8801,"sentiment":"positive","sentiment_score":0.7268691062927246},{"text":"And thank you for updating all those details.","start":2142.8801,"end":2144.8801,"sentiment":"positive","sentiment_score":0.5792076587677002},{"text":"I will just convert that information over to back find there as well.","start":2144.8801,"end":2149.595,"sentiment":"neutral","sentiment_score":0.2687296512035223},{"text":"Is he available to jump on the call with us now so we can kinda go through his super insurance details as well?","start":2150.135,"end":2156.955,"sentiment":"neutral","sentiment_score":0.08065049220686374},{"text":"Hi, Sergio.","start":2159.495,"end":2160.615,"sentiment":"neutral","sentiment_score":0.08974632620811462}],"sentiment":"neutral","sentiment_score":0.23166957053732365,"num_words":47,"start":2142.4001,"end":2160.615},{"sentences":[{"text":"I'm Dana.","start":2160.615,"end":2161.2551,"sentiment":"neutral","sentiment_score":0.1467806026339531},{"text":"It's lovely to meet you.","start":2161.2551,"end":2162.4,"sentiment":"positive","sentiment_score":0.6650002837181092},{"text":"How are you?","start":2162.4,"end":2163.14,"sentiment":"positive","sentiment_score":0.40688785910606384},{"text":"Yeah.","start":2166.16,"end":2166.64,"sentiment":"neutral","sentiment_score":0.2531997561454773},{"text":"Did you have a good day at work?","start":2166.64,"end":2168.42,"sentiment":"neutral","sentiment_score":0.28169185668230057}],"sentiment":"positive","sentiment_score":0.38662951635686976,"num_words":19,"start":2160.615,"end":2168.42},{"sentences":[{"text":"Oh, that's good.","start":2171.04,"end":2171.92,"sentiment":"positive","sentiment_score":0.43182464440663654},{"text":"That's good.","start":2171.92,"end":2172.48,"sentiment":"positive","sentiment_score":0.5496060848236084},{"text":"Thank you so much for jumping on to your annual review there.","start":2172.48,"end":2175.555,"sentiment":"positive","sentiment_score":0.5557134946187338},{"text":"So, dear, I before I jump into the go through things with you, I do have to let yourself know that we do record our calls for quality and training purposes.","start":2176.035,"end":2183.555,"sentiment":"neutral","sentiment_score":0.11416904171628336},{"text":"Are you happy for me to continue recording the call?","start":2183.555,"end":2186.375,"sentiment":"neutral","sentiment_score":0.11038950532674789}],"sentiment":"neutral","sentiment_score":0.23631695490972748,"num_words":58,"start":2171.04,"end":2186.375},{"sentences":[{"text":"Beautiful.","start":2188.755,"end":2189.2349,"sentiment":"neutral","sentiment_score":0.3331517279148102},{"text":"And I am going through your personal information.","start":2189.2349,"end":2191.38,"sentiment":"neutral","sentiment_score":0.11300204787403345},{"text":"So I just need to confirm your date of birth and address I should have on file for you as a quick security check there as well.","start":2191.68,"end":2198.1,"sentiment":"neutral","sentiment_score":0.09199083320520542},{"text":"Yep.","start":2202.96,"end":2203.46,"sentiment":"neutral","sentiment_score":0.026554202660918236},{"text":"Beautiful.","start":2207.995,"end":2208.395,"sentiment":"neutral","sentiment_score":0.16125449538230896}],"sentiment":"neutral","sentiment_score":0.10286129751291714,"num_words":38,"start":2188.755,"end":2208.395},{"sentences":[{"text":"Lovely.","start":2208.395,"end":2208.895,"sentiment":"neutral","sentiment_score":0.2111440747976303},{"text":"Beautiful.","start":2210.395,"end":2210.895,"sentiment":"positive","sentiment_score":0.3910949528217316},{"text":"Thank you so much for that, and happy birthday for seventeen days ago.","start":2211.115,"end":2214.195,"sentiment":"positive","sentiment_score":0.502721023101073},{"text":"I hope you had a good day.","start":2214.195,"end":2215.7751,"sentiment":"positive","sentiment_score":0.47605027897017343},{"text":"No worries.","start":2221.41,"end":2222.07,"sentiment":"neutral","sentiment_score":0.13195884972810745}],"sentiment":"positive","sentiment_score":0.44724508250753087,"num_words":24,"start":2208.395,"end":2222.07},{"sentences":[{"text":"All good.","start":2222.85,"end":2223.49,"sentiment":"neutral","sentiment_score":0.1906718835234642},{"text":"So now I did send through some documents to your email giving you an update on your super and insurances.","start":2223.49,"end":2228.79,"sentiment":"neutral","sentiment_score":0.08689966723322869},{"text":"Are you able to log in to your emails?","start":2229.01,"end":2231.03,"sentiment":"neutral","sentiment_score":0.028564732521772385},{"text":"If you can't, they are also attached to Angela's email there.","start":2231.09,"end":2234.885,"sentiment":"neutral","sentiment_score":0.04182815009897405},{"text":"It's up to you how you'd like to go through those, or I'm happy just to give you the information.","start":2235.5051,"end":2240.885,"sentiment":"neutral","sentiment_score":0.1032175064086914}],"sentiment":"neutral","sentiment_score":0.07904644328499993,"num_words":62,"start":2222.85,"end":2240.885},{"sentences":[{"text":"What would you like to do?","start":2240.945,"end":2242.5652,"sentiment":"neutral","sentiment_score":0.02658996544778347},{"text":"Yeah.","start":2245.585,"end":2246.085,"sentiment":"neutral","sentiment_score":0.03110206127166748},{"text":"No worries at all.","start":2246.385,"end":2247.685,"sentiment":"neutral","sentiment_score":0.046914730221033096},{"text":"Easy.","start":2248.8,"end":2249.2002,"sentiment":"neutral","sentiment_score":0.1317131519317627},{"text":"So, Sergio, with your super balance, this time last year, your super balance was sitting at 68,438 and 71¢.","start":2249.2002,"end":2257.86,"sentiment":"neutral","sentiment_score":0.04175268310225672}],"sentiment":"neutral","sentiment_score":0.042052074087162813,"num_words":31,"start":2240.945,"end":2257.86},{"sentences":[{"text":"As of this year, and I'm just giving you because these documents were prepared just a couple of weeks ago there.","start":2258.56,"end":2264.795,"sentiment":"neutral","sentiment_score":0.05463567979279019},{"text":"So your super balance as of the July 24 was sitting there at 72,230 and 24¢.","start":2265.335,"end":2273.355,"sentiment":"neutral","sentiment_score":0.13225529392560323},{"text":"And then just checking it from today's value because it has changed.","start":2273.655,"end":2278.47,"sentiment":"neutral","sentiment_score":0.23504986613988876},{"text":"You're now up to 75,739, so it's great.","start":2278.47,"end":2283.19,"sentiment":"positive","sentiment_score":0.7247617840766907},{"text":"You've had some additional growth in there on your super, which is fantastic.","start":2283.19,"end":2286.65,"sentiment":"positive","sentiment_score":0.7376406009380634}],"sentiment":"neutral","sentiment_score":0.30926375598579214,"num_words":70,"start":2258.56,"end":2286.65},{"sentences":[{"text":"When we when we look at how things have performed over the course of the last twelve months, now you're super whilst you have made some good growth there, overall, we when we think about the growth and the income, you're actually down.","start":2287.83,"end":2302.4448,"sentiment":"neutral","sentiment_score":-0.03593127102439487},{"text":"It's just sort of down under about 1%, so 0.52%.","start":2302.4448,"end":2306.7048,"sentiment":"neutral","sentiment_score":-0.2435947075486183},{"text":"So it is being held back a little bit by, obviously, market reactions.","start":2306.765,"end":2310.8298,"sentiment":"negative","sentiment_score":-0.33856715949682087},{"text":"You've had you know, your super balances increase.","start":2310.8298,"end":2312.99,"sentiment":"neutral","sentiment_score":-0.20732926577329636},{"text":"You've had some income reduces there.","start":2312.99,"end":2315.0898,"sentiment":"neutral","sentiment_score":-0.2082230125864347}],"sentiment":"neutral","sentiment_score":-0.14112921255873517,"num_words":80,"start":2287.83,"end":2315.0898},{"sentences":[{"text":"But overall, the growth is showing it's down a little bit.","start":2315.23,"end":2318.0498,"sentiment":"neutral","sentiment_score":-0.30790115080096503},{"text":"As the as this sort of went through with Angela, I have sort of noticed there are some investments that are underperforming in your super.","start":2318.51,"end":2324.685,"sentiment":"neutral","sentiment_score":-0.270799520611763},{"text":"So I would like to update the advice for you and look at removing those investments and replacing them with something else, making sure things are working harder for you.","start":2324.685,"end":2333.805,"sentiment":"neutral","sentiment_score":-0.12326343543827534},{"text":"Are you comfortable with that, and do you have any additional questions there at all?","start":2333.805,"end":2338.04,"sentiment":"neutral","sentiment_score":-0.005005198468764623},{"text":"Yeah.","start":2341.86,"end":2342.1,"sentiment":"neutral","sentiment_score":0.0740555077791214}],"sentiment":"neutral","sentiment_score":-0.16897349032323536,"num_words":82,"start":2315.23,"end":2342.1},{"sentences":[{"text":"Yep.","start":2342.1,"end":2342.5,"sentiment":"neutral","sentiment_score":0.0521254763007164},{"text":"Yep.","start":2342.5,"end":2342.6602,"sentiment":"neutral","sentiment_score":0.06046098470687866},{"text":"You yeah.","start":2342.6602,"end":2346.6802,"sentiment":"neutral","sentiment_score":0.11555467918515205},{"text":"Absolutely.","start":2349.105,"end":2349.605,"sentiment":"neutral","sentiment_score":0.17466427385807037},{"text":"Absolutely.","start":2349.7449,"end":2350.145,"sentiment":"neutral","sentiment_score":0.07161103188991547}],"sentiment":"neutral","sentiment_score":0.09832852085431416,"num_words":6,"start":2342.1,"end":2350.145},{"sentences":[{"text":"I wanna make sure things are definitely working harder for you.","start":2350.145,"end":2352.705,"sentiment":"neutral","sentiment_score":0.03522087142548778},{"text":"And I think one of the things to sorta consider the difference being between yourself and Angela there is that you are in different risk profiles as well.","start":2352.705,"end":2359.905,"sentiment":"neutral","sentiment_score":-0.05282988279525723},{"text":"So she's more growth, whereas you're more high growth.","start":2359.905,"end":2362.865,"sentiment":"neutral","sentiment_score":-0.06545863134993447},{"text":"So you're actually wanting to take on a little bit more risk in the market than where Angela is.","start":2362.865,"end":2367.3901,"sentiment":"neutral","sentiment_score":-0.14763431922581635},{"text":"So it does mean at times of ups and downs with the market is a bit more volatile that you are that you do have the risk of seeing more of a negative return over where she might not see one.","start":2367.3901,"end":2378.445,"sentiment":"neutral","sentiment_score":-0.2508491453964536}],"sentiment":"neutral","sentiment_score":-0.1367666837155681,"num_words":108,"start":2350.145,"end":2378.445},{"sentences":[{"text":"So are you still comfortable taking on that sort of high growth environment taking on more risk, or would you like to sort of draw it back a little bit?","start":2378.445,"end":2386.5251,"sentiment":"neutral","sentiment_score":0.0368457518517971},{"text":"Do you think what's your thoughts around that?","start":2386.5251,"end":2388.865,"sentiment":"neutral","sentiment_score":-0.06723287631757557},{"text":"Yeah.","start":2391.3252,"end":2391.645,"sentiment":"neutral","sentiment_score":0.1983012706041336},{"text":"You're still happy with that?","start":2391.645,"end":2393.51,"sentiment":"neutral","sentiment_score":0.28374657332897185},{"text":"Beautiful.","start":2393.51,"end":2394.01,"sentiment":"positive","sentiment_score":0.6394794583320618}],"sentiment":"neutral","sentiment_score":0.06275606979098584,"num_words":45,"start":2378.445,"end":2394.01},{"sentences":[{"text":"Before we end the call, I'll just run through a really quick risk profile questionnaire with each of you just to kind of gauge where you're both sitting risk wise just to make sure everything is on par.","start":2394.47,"end":2404.25,"sentiment":"neutral","sentiment_score":0.16836546635941455},{"text":"But, realistically, with your time horizon, you know, I've got here that your goal was that you're sort of hoping to access super around about the age of 60.","start":2404.71,"end":2415.0251,"sentiment":"neutral","sentiment_score":0.12882542289022741},{"text":"Is that still correct for yourself, Sergio?","start":2415.085,"end":2417.2651,"sentiment":"neutral","sentiment_score":0.09311105789882797},{"text":"Yep.","start":2428.6199,"end":2429.1199,"sentiment":"neutral","sentiment_score":0.11563405394554138},{"text":"Yep.","start":2433.66,"end":2434.16,"sentiment":"neutral","sentiment_score":0.19251304864883423}],"sentiment":"neutral","sentiment_score":0.14597038807053314,"num_words":76,"start":2394.47,"end":2434.16},{"sentences":[{"text":"Absolutely.","start":2434.22,"end":2434.72,"sentiment":"neutral","sentiment_score":0.2317755222320557},{"text":"Well, I mean, you do have eighteen years before accessing super.","start":2434.8599,"end":2438.245,"sentiment":"neutral","sentiment_score":0.034126421944661575},{"text":"We can't access super until the age of 60.","start":2438.245,"end":2440.825,"sentiment":"neutral","sentiment_score":-0.00173584558069706},{"text":"So I'll go back and look at maybe updating the advice.","start":2441.445,"end":2444.165,"sentiment":"neutral","sentiment_score":0.025846606967124073},{"text":"Are you both comfortable if I do this advice document together?","start":2444.165,"end":2447.605,"sentiment":"neutral","sentiment_score":0.02121680263768543}],"sentiment":"neutral","sentiment_score":0.02579630369883637,"num_words":43,"start":2434.22,"end":2447.605},{"sentences":[{"text":"So it's one advice document for both of you, or did you want separate advice pieces for each of you?","start":2447.605,"end":2453.0999,"sentiment":"neutral","sentiment_score":0.028270419873297214},{"text":"What would you guys like?","start":2453.0999,"end":2454.48,"sentiment":"neutral","sentiment_score":0.017081430181860924},{"text":"That's you're right.","start":2456.18,"end":2459.44,"sentiment":"neutral","sentiment_score":0.021356817800551653},{"text":"Oh, I'm so sorry.","start":2489.3152,"end":2490.3552,"sentiment":"neutral","sentiment_score":-0.04519972437992692},{"text":"The phone sort of went a little bit cut out.","start":2490.3552,"end":2492.195,"sentiment":"neutral","sentiment_score":-0.17832046039402485}],"sentiment":"neutral","sentiment_score":-0.029740892849596485,"num_words":42,"start":2447.605,"end":2492.195},{"sentences":[{"text":"I could hear I couldn't hear much, and I was like, I'm not sure if you're both still there.","start":2492.195,"end":2495.5552,"sentiment":"neutral","sentiment_score":-0.1965886652469635},{"text":"So sorry.","start":2495.5552,"end":2496.215,"sentiment":"neutral","sentiment_score":-0.1269354149699211},{"text":"Apologize, Angela.","start":2498.2751,"end":2499.415,"sentiment":"neutral","sentiment_score":-0.1455601491034031},{"text":"With the advice piece there, if you like, I can do one advice document to both of you outlining the recommendations I'm making to both of you.","start":2500.0352,"end":2507.52,"sentiment":"neutral","sentiment_score":0.0025975633136652134},{"text":"Would you both be comfortable with me doing that, or would you like me to separate the advice into individual?","start":2507.52,"end":2513.3,"sentiment":"neutral","sentiment_score":-0.015476342476904392}],"sentiment":"neutral","sentiment_score":-0.06456526297011546,"num_words":70,"start":2492.195,"end":2513.3},{"sentences":[{"text":"What would you both like moving forward?","start":2513.52,"end":2515.245,"sentiment":"neutral","sentiment_score":0.046842201479843686},{"text":"Yep.","start":2520.0452,"end":2520.5452,"sentiment":"neutral","sentiment_score":0.10014329850673676},{"text":"Yes.","start":2521.0852,"end":2521.5852,"sentiment":"neutral","sentiment_score":0.300743967294693},{"text":"Absolute absolutely.","start":2521.725,"end":2523.0251,"sentiment":"positive","sentiment_score":0.6490576863288879},{"text":"I I can set the advice up so it's, you know, to both of you, and then we have individual recommendations within the advice piece, and we just go through that together.","start":2523.405,"end":2531.44,"sentiment":"neutral","sentiment_score":0.31762610748410225}],"sentiment":"neutral","sentiment_score":0.28351008112347403,"num_words":43,"start":2513.52,"end":2531.44},{"sentences":[{"text":"I do like to sort of incorporate that as a couple moving forward for a lot of aspects.","start":2532.06,"end":2536.94,"sentiment":"positive","sentiment_score":0.3893827415174908},{"text":"I mean, you still got eighteen years ahead of you, before accessing through for this stage.","start":2536.94,"end":2541.485,"sentiment":"neutral","sentiment_score":0.17564566200599074},{"text":"But when you sort of think about it, the closer you both get to that retirement aspect, having advice done together does work well for you both because we will, as we get closer to retirement, wanna look at how to access those funds.","start":2541.485,"end":2554.385,"sentiment":"neutral","sentiment_score":0.31574334627525374},{"text":"And, you know, retirement itself does mean incorporating everything within both your supers plus all of your circumstances as a whole.","start":2554.445,"end":2562.5798,"sentiment":"neutral","sentiment_score":0.21208286356358302},{"text":"So if you are comfortable with me consolidating the recommend like, the the advice document, I can do one advice document for both of you with separate recommendations within that to show you what I'm recommending, how, and why.","start":2562.5798,"end":2575.645,"sentiment":"neutral","sentiment_score":0.13812336325645447}],"sentiment":"neutral","sentiment_score":0.2431339020098465,"num_words":138,"start":2532.06,"end":2575.645},{"sentences":[{"text":"But it just means it's one document, and it kinda outlines everything for the two of you.","start":2576.185,"end":2580.8252,"sentiment":"neutral","sentiment_score":0.12719216066248276},{"text":"Are you both happy with that?","start":2580.8252,"end":2582.5251,"sentiment":"neutral","sentiment_score":0.17030317336320877},{"text":"Yep.","start":2584.745,"end":2585.245,"sentiment":"neutral","sentiment_score":0.18766626715660095},{"text":"Yep.","start":2585.3052,"end":2585.705,"sentiment":"neutral","sentiment_score":0.2464880794286728},{"text":"Beautiful.","start":2585.705,"end":2586.205,"sentiment":"positive","sentiment_score":0.6717529296875}],"sentiment":"neutral","sentiment_score":0.1649997326043936,"num_words":26,"start":2576.185,"end":2586.205},{"sentences":[{"text":"Fantastic.","start":2586.9,"end":2587.4,"sentiment":"positive","sentiment_score":0.6502029299736023},{"text":"So, dear, the other thing to sorta have a chat about there is your insurances.","start":2588.42,"end":2591.96,"sentiment":"neutral","sentiment_score":0.07717846408486366},{"text":"Now having a look at your insurances, your your cover is a little bit different to Angela's.","start":2592.5,"end":2597.72,"sentiment":"neutral","sentiment_score":0.008143790874301511},{"text":"You've got life cover, and it basically shows that if you were to pass away today, your life cover would pay out a benefit of 868,219.","start":2598.3398,"end":2608.475,"sentiment":"neutral","sentiment_score":0.04782439625033966},{"text":"Now the other thing to remember is that if you were to pass away today, your life benefit is paid out, but then your super balance is also paid out on top of that.","start":2609.0151,"end":2618.22,"sentiment":"neutral","sentiment_score":0.04192424225894844}],"sentiment":"neutral","sentiment_score":0.049625622316373776,"num_words":93,"start":2586.9,"end":2618.22},{"sentences":[{"text":"So we also then have an extra 79,000 in super there.","start":2618.22,"end":2622.24,"sentiment":"neutral","sentiment_score":0.0982603132724762},{"text":"So, realistically, in the event of you passing away today, your life cover and your super could pay out a benefit of over 947,000, which realistically could pay off the mortgage and then leave Angela with a little bit extra money to take some time off or to, you know, grieve and look after the kids and things like that.","start":2622.3801,"end":2643.96,"sentiment":"neutral","sentiment_score":0.054541077775259815},{"text":"Are you happy with that level of cover?","start":2643.96,"end":2646.04,"sentiment":"neutral","sentiment_score":0.236905163154006},{"text":"Did you wanna review that at all?","start":2646.04,"end":2648.06,"sentiment":"neutral","sentiment_score":0.059331623039075305},{"text":"That's fine.","start":2650.2,"end":2651.02,"sentiment":"neutral","sentiment_score":0.32171139121055603}],"sentiment":"neutral","sentiment_score":0.08303765410726721,"num_words":88,"start":2618.22,"end":2651.02},{"sentences":[{"text":"Beautiful.","start":2651.08,"end":2651.58,"sentiment":"positive","sentiment_score":0.6691685318946838},{"text":"Beautiful.","start":2652.2,"end":2652.7,"sentiment":"positive","sentiment_score":0.4723207354545593},{"text":"And I'm sorry for making the assumption, but just concerning, if you Yeah.","start":2653.16,"end":2670.99,"sentiment":"neutral","sentiment_score":-0.0452402805766234},{"text":"Yeah.","start":2670.99,"end":2671.49,"sentiment":"neutral","sentiment_score":-0.0033305510878562927},{"text":"Yeah.","start":2673.23,"end":2673.73,"sentiment":"neutral","sentiment_score":-0.019441209733486176}],"sentiment":"neutral","sentiment_score":0.031211403472458616,"num_words":17,"start":2651.08,"end":2673.73},{"sentences":[{"text":"That's a really good question.","start":2680.27,"end":2681.89,"sentiment":"neutral","sentiment_score":0.16272609531879426},{"text":"And so with your your life benefit and your, super, we essentially put a beneficiary nomination on those products to show what happens if something happens to each of you.","start":2682.35,"end":2692.3152,"sentiment":"neutral","sentiment_score":0.11801269203424454},{"text":"The other aspect is if something happens to both of you, that's where a will comes into play.","start":2692.695,"end":2697.9,"sentiment":"neutral","sentiment_score":-0.003776424719641606},{"text":"Have you guys spoken to a solicitor or had a will drawn up in the past at all?","start":2698.14,"end":2702.5598,"sentiment":"neutral","sentiment_score":-0.01156320831634932},{"text":"No.","start":2704.38,"end":2704.7,"sentiment":"neutral","sentiment_score":-0.0980946272611618}],"sentiment":"neutral","sentiment_score":0.055275044662670955,"num_words":72,"start":2680.27,"end":2704.7},{"sentences":[{"text":"So it is definitely one thing to consider.","start":2704.7,"end":2706.6199,"sentiment":"neutral","sentiment_score":-0.02364403079263866},{"text":"So your super benefits and your life proceeds have beneficiaries to cover if one of you pass away.","start":2706.6199,"end":2711.76,"sentiment":"neutral","sentiment_score":0.012805711581475206},{"text":"But then having a will drawn up by a solicitor and having the direction that if anything happened to the two of you, then everything gets paid to your estate.","start":2712.105,"end":2722.025,"sentiment":"neutral","sentiment_score":0.02993226150671641},{"text":"But then how is it paid to your children?","start":2722.025,"end":2724.105,"sentiment":"neutral","sentiment_score":0.03880592373510202},{"text":"How are your children looked after?","start":2724.105,"end":2725.8298,"sentiment":"neutral","sentiment_score":0.055932082856694855}],"sentiment":"neutral","sentiment_score":0.022875552367366537,"num_words":71,"start":2704.7,"end":2725.8298},{"sentences":[{"text":"And having a guardianship in place as well.","start":2726.29,"end":2729.0898,"sentiment":"neutral","sentiment_score":0.05729816388338804},{"text":"So your daughter's 21, but your son's still only 14, so he's, you know, still technically a minor.","start":2729.0898,"end":2734.8499,"sentiment":"neutral","sentiment_score":-0.014135743180910746},{"text":"So who would you trust to look after him, and how would you want all of your, you know, money paid out to look after them in the future.","start":2734.8499,"end":2743.165,"sentiment":"neutral","sentiment_score":0.014588838122014341},{"text":"And that's something that is done by a qualified solicitor or a lawyer.","start":2743.465,"end":2747.965,"sentiment":"neutral","sentiment_score":0.09033130567807418},{"text":"You can also, depending on your comfort level, get a will kit drawn up.","start":2748.665,"end":2752.83,"sentiment":"neutral","sentiment_score":0.09422105763639722}],"sentiment":"neutral","sentiment_score":0.038053902683825025,"num_words":82,"start":2726.29,"end":2752.83},{"sentences":[{"text":"You can buy a will kit fairly simply from the post office about 30 or $35 currently.","start":2752.99,"end":2758.1301,"sentiment":"neutral","sentiment_score":0.08746841966229327},{"text":"As long as they are filled out correctly, they are valid.","start":2758.59,"end":2761.6501,"sentiment":"neutral","sentiment_score":0.13286280835216696},{"text":"But, personally, I I prefer to go and see a qualified solicitor to draw up a will just so I know it's it's done with my direction.","start":2762.35,"end":2769.705,"sentiment":"neutral","sentiment_score":0.06900408118963242},{"text":"We've had a really good conversation of what happens if we pass away, and we understand what's happening with the kids.","start":2769.925,"end":2776.345,"sentiment":"positive","sentiment_score":0.5170237031720933},{"text":"It considers this a guardianship aspect and also power of attorney.","start":2776.5652,"end":2780.1199,"sentiment":"positive","sentiment_score":0.39655615253881976}],"sentiment":"neutral","sentiment_score":0.23024344439992958,"num_words":87,"start":2752.99,"end":2780.1199},{"sentences":[{"text":"So if in the event that you are unable to make decisions on on your own behalf, who would you appoint to be your attorney to make decisions, and what would you how would you want them to act on your behalf as well?","start":2780.18,"end":2792.5452,"sentiment":"neutral","sentiment_score":0.11275642974810167},{"text":"Does that make sense?","start":2792.5452,"end":2793.6052,"sentiment":"neutral","sentiment_score":0.017086287727579474},{"text":"Yeah.","start":2794.625,"end":2795.125,"sentiment":"neutral","sentiment_score":0.02563309110701084},{"text":"Let me just double check that one for you.","start":2800.0652,"end":2808.08,"sentiment":"neutral","sentiment_score":0.10722900678714116},{"text":"So with Sergio so, Sergio, you're super.","start":2808.08,"end":2812.26,"sentiment":"neutral","sentiment_score":0.22195896932056972}],"sentiment":"neutral","sentiment_score":0.11652361534249324,"num_words":65,"start":2780.18,"end":2812.26},{"sentences":[{"text":"You've got a binding non lapsing beneficiary nomination, and you've nominated 50% of each of your benefits.","start":2812.32,"end":2819.805,"sentiment":"neutral","sentiment_score":0.20558528339161591},{"text":"So 50% of your super to go to Liam and Leila, each of your children.","start":2819.9448,"end":2824.6848,"sentiment":"neutral","sentiment_score":0.21799476047356922},{"text":"Are you wanting that updated to reflect being paid to Angela, or are you happy with that?","start":2826.825,"end":2831.4,"sentiment":"neutral","sentiment_score":0.18705834798953114},{"text":"And, actually, Angela, your super benefit's exactly the same way.","start":2842.8398,"end":2846.2798,"sentiment":"neutral","sentiment_score":0.1421505905687809},{"text":"So 50% paid to Liam and Leila in the event of your passing.","start":2846.2798,"end":2850.165,"sentiment":"neutral","sentiment_score":0.11699975024049099}],"sentiment":"neutral","sentiment_score":0.17899119165829486,"num_words":72,"start":2812.32,"end":2850.165},{"sentences":[{"text":"So it basically means that if one of you pass away, the benefit bypasses, technically, the other person.","start":2850.2249,"end":2856.565,"sentiment":"neutral","sentiment_score":0.09215501488910781},{"text":"Leila is entitled to 50% of the benefit and Liam 50% of the benefit.","start":2857.185,"end":2861.925,"sentiment":"neutral","sentiment_score":0.17352939077786037},{"text":"The way this would yes.","start":2862.86,"end":2866.4001,"sentiment":"neutral","sentiment_score":0.1498013213276863},{"text":"Yeah.","start":2867.34,"end":2867.74,"sentiment":"neutral","sentiment_score":0.06187006831169128},{"text":"Yeah.","start":2867.74,"end":2868.06,"sentiment":"neutral","sentiment_score":0.054524242877960205}],"sentiment":"neutral","sentiment_score":0.1270154527364633,"num_words":39,"start":2850.2249,"end":2868.06},{"sentences":[{"text":"50% to each child.","start":2868.06,"end":2869.84,"sentiment":"neutral","sentiment_score":0.05726579949259758},{"text":"Yeah.","start":2869.9001,"end":2870.4001,"sentiment":"neutral","sentiment_score":0.0854385644197464},{"text":"The way this would realistically work, like, Angela, if I use your super as a as a bit of a guide, if you were to pass away and say you've got your 190,000 in there, Layla is your daughter.","start":2870.78,"end":2883.795,"sentiment":"neutral","sentiment_score":0.05670015217784124},{"text":"She's 21.","start":2883.795,"end":2884.595,"sentiment":"neutral","sentiment_score":0.04419985041022301},{"text":"Is that right?","start":2884.595,"end":2885.575,"sentiment":"neutral","sentiment_score":0.07143147538105647}],"sentiment":"neutral","sentiment_score":0.05772452702631756,"num_words":49,"start":2868.06,"end":2885.575},{"sentences":[{"text":"Yes.","start":2886.755,"end":2887.075,"sentiment":"neutral","sentiment_score":0.09142135083675385},{"text":"So if Layla is working and not a tax dependent on you, she receives 50% of that benefit, but she has to pay or she receives 50% of the benefit minus 17% for tax because tax is paid on that amount.","start":2887.075,"end":2901.4502,"sentiment":"neutral","sentiment_score":0.045923664348154536},{"text":"Liam, as being 14 and being a minor, he technically wouldn't receive the benefit directly.","start":2902.1501,"end":2908.505,"sentiment":"neutral","sentiment_score":-0.07672320902347565},{"text":"It would go to his guardian, which would probably be Sergio.","start":2908.505,"end":2911.7249,"sentiment":"neutral","sentiment_score":-0.019291235895996742},{"text":"So that means Sergio would receive 50% of the benefits for Liam.","start":2912.1848,"end":2916.9248,"sentiment":"neutral","sentiment_score":0.0871689956014355}],"sentiment":"neutral","sentiment_score":0.02071584757650271,"num_words":80,"start":2886.755,"end":2916.9248},{"sentences":[{"text":"And because they are technically tax dependent, they received the benefit tax free.","start":2917.065,"end":2922.79,"sentiment":"neutral","sentiment_score":0.0793942058315644},{"text":"So Leila would actually receive the benefit minus 17% tax.","start":2922.79,"end":2927.29,"sentiment":"neutral","sentiment_score":0.11670977771282195},{"text":"So she could actually receive a lesser benefit.","start":2927.67,"end":2929.93,"sentiment":"neutral","sentiment_score":0.08331595547497272},{"text":"The other way that you can structure it is to have it paid directly to your partner.","start":2930.47,"end":2935.4648,"sentiment":"neutral","sentiment_score":0.1540098479565452},{"text":"So you have it paid to Sergio.","start":2935.4648,"end":2937.2249,"sentiment":"neutral","sentiment_score":0.20721137736524856}],"sentiment":"neutral","sentiment_score":0.12607994824647903,"num_words":55,"start":2917.065,"end":2937.2249},{"sentences":[{"text":"Sergio have it all paid to you.","start":2937.2249,"end":2939.325,"sentiment":"neutral","sentiment_score":0.2545614391565323},{"text":"Each person receives it a 100% tax free, and then you can distribute whatever you want to your children from that aspect.","start":2939.625,"end":2947.325,"sentiment":"neutral","sentiment_score":0.30023579841310327},{"text":"Does that make sense?","start":2947.4648,"end":2948.31,"sentiment":"neutral","sentiment_score":0.1792001761496067},{"text":"Yeah.","start":2951.03,"end":2951.53,"sentiment":"neutral","sentiment_score":-0.07926586270332336},{"text":"State planning is very complex, and there are tax consequences depending on who you have it paid to, how old they are, whether they're tax dependent or not.","start":2951.83,"end":2960.1501,"sentiment":"neutral","sentiment_score":-0.10606685906116452}],"sentiment":"neutral","sentiment_score":0.09765774882849186,"num_words":62,"start":2937.2249,"end":2960.1501},{"sentences":[{"text":"It is quite a complex area, unfortunately.","start":2960.1501,"end":2962.25,"sentiment":"neutral","sentiment_score":-0.15701053504432952},{"text":"Yeah.","start":2971.375,"end":2971.875,"sentiment":"neutral","sentiment_score":0.0685628205537796},{"text":"Yes.","start":2975.55,"end":2976.05,"sentiment":"neutral","sentiment_score":0.08139677345752716},{"text":"Yeah.","start":2985.87,"end":2986.37,"sentiment":"neutral","sentiment_score":0.0324542373418808},{"text":"Yeah.","start":2988.35,"end":2988.85,"sentiment":"neutral","sentiment_score":0.05088150501251221}],"sentiment":"neutral","sentiment_score":-0.07870712808587334,"num_words":11,"start":2960.1501,"end":2988.85},{"sentences":[{"text":"Yeah.","start":2990.605,"end":2990.845,"sentiment":"neutral","sentiment_score":0.15390458703041077},{"text":"That's absolutely fine.","start":2990.845,"end":2992.285,"sentiment":"neutral","sentiment_score":0.2901112139225006},{"text":"So this is sort of just planning for if one of you passed away, what would you want to happen to the proceeds?","start":2992.285,"end":2997.1848,"sentiment":"neutral","sentiment_score":0.053490187162938324},{"text":"And then it's just important to maybe speak to a solicitor and draw up a will to reflect if something happened to reflect if something happened to both of you.","start":2997.8848,"end":3006.132,"sentiment":"neutral","sentiment_score":0.11076586917042733},{"text":"That way, everything would be paid to your estate, and your kids could be looked after that way in the event of both of you something happened to both of you at the same time.","start":3006.132,"end":3013.3801,"sentiment":"neutral","sentiment_score":0.18521979813064848}],"sentiment":"neutral","sentiment_score":0.13108892981772838,"num_words":92,"start":2990.605,"end":3013.3801},{"sentences":[{"text":"Does that make sense?","start":3013.3801,"end":3014.4402,"sentiment":"neutral","sentiment_score":0.10525902733206749},{"text":"Yeah.","start":3014.58,"end":3014.925,"sentiment":"neutral","sentiment_score":0.08115285634994507},{"text":"Yep.","start":3016.125,"end":3016.625,"sentiment":"neutral","sentiment_score":0.1850292682647705},{"text":"Beautiful.","start":3016.845,"end":3017.345,"sentiment":"positive","sentiment_score":0.44972914457321167},{"text":"Yeah.","start":3019.0051,"end":3019.5051,"sentiment":"neutral","sentiment_score":0.07003103941679001}],"sentiment":"neutral","sentiment_score":0.1508723022416234,"num_words":8,"start":3013.3801,"end":3019.5051},{"sentences":[{"text":"It is a new beneficiary form.","start":3021.965,"end":3023.725,"sentiment":"neutral","sentiment_score":0.06254360762735207},{"text":"I can reflect that into the advice document for you just to outline it all and kind of break it down so you can see it all on paper, and then we could absolutely do that.","start":3023.725,"end":3032.93,"sentiment":"neutral","sentiment_score":0.1456803312111232},{"text":"And we'll we'll get a new beneficiary form updated, and we're happy to help what we can to make it easier on the both of you.","start":3033.23,"end":3040.35,"sentiment":"positive","sentiment_score":0.4646829320834233},{"text":"Does that sound okay?","start":3040.35,"end":3041.49,"sentiment":"neutral","sentiment_score":0.1854563057422638},{"text":"Fantastic.","start":3044.005,"end":3044.505,"sentiment":"positive","sentiment_score":0.7542725801467896}],"sentiment":"neutral","sentiment_score":0.2629809261184849,"num_words":73,"start":3021.965,"end":3044.505},{"sentences":[{"text":"So, Sergio, we've confirmed that your life insurance is fine.","start":3045.125,"end":3048.085,"sentiment":"positive","sentiment_score":0.35709272921085355},{"text":"Your TBD cover, so total permanent disability, has the same level of cover.","start":3048.085,"end":3053.205,"sentiment":"neutral","sentiment_score":0.18646324139374953},{"text":"If you were never able to go back to work again, you're covered for 868,219.","start":3053.205,"end":3060.18,"sentiment":"neutral","sentiment_score":0.14408979167540867},{"text":"And, again, if you would never be able to go back to work again, we can also try to claim against this super.","start":3060.5598,"end":3066.5,"sentiment":"neutral","sentiment_score":-0.013368633859183477},{"text":"Now as I kind of just went through with Angela, TBD, if you're unable to go back to work ever again due to disability, unfortunately, it is taxed.","start":3067.1199,"end":3075.155,"sentiment":"neutral","sentiment_score":-0.07927966769784689}],"sentiment":"neutral","sentiment_score":0.06324704529278063,"num_words":89,"start":3045.125,"end":3075.155},{"sentences":[{"text":"So there could be tax on that payment.","start":3075.375,"end":3077.395,"sentiment":"neutral","sentiment_score":-0.08811779320240021},{"text":"But do you feel like the level of cover you have is appropriate?","start":3077.7751,"end":3081.17,"sentiment":"neutral","sentiment_score":-0.017408064351632044},{"text":"Did you wanna look at reviewing that level of cover?","start":3081.23,"end":3083.73,"sentiment":"neutral","sentiment_score":-0.02616042271256447},{"text":"Yeah.","start":3088.91,"end":3089.39,"sentiment":"neutral","sentiment_score":-0.016524484381079674},{"text":"That's okay.","start":3089.39,"end":3090.21,"sentiment":"neutral","sentiment_score":0.020235383417457342}],"sentiment":"neutral","sentiment_score":-0.03437956255477141,"num_words":34,"start":3075.375,"end":3090.21},{"sentences":[{"text":"Yeah.","start":3092.51,"end":3092.99,"sentiment":"neutral","sentiment_score":0.02713982574641705},{"text":"So it just means that you're covered for about 868,000, plus your 79,000 of super to cover you.","start":3092.99,"end":3100.895,"sentiment":"neutral","sentiment_score":0.03891168927980794},{"text":"Do you feel like that's enough TB disability cover at the moment?","start":3100.895,"end":3104.915,"sentiment":"neutral","sentiment_score":-0.007860554615035653},{"text":"Yep.","start":3108.175,"end":3108.4949,"sentiment":"neutral","sentiment_score":0.074425607919693},{"text":"That's okay.","start":3108.4949,"end":3109.17,"sentiment":"neutral","sentiment_score":0.13076545298099518}],"sentiment":"neutral","sentiment_score":0.028505296802476925,"num_words":34,"start":3092.51,"end":3109.17},{"sentences":[{"text":"If you're ever talking about it and you wanna review that, you're both welcome to let me know.","start":3109.17,"end":3113.8098,"sentiment":"neutral","sentiment_score":0.14857037158475983},{"text":"We can always have another conversation, talk about what your needs or what you want, and then kinda go from there.","start":3113.8098,"end":3120.29,"sentiment":"neutral","sentiment_score":0.14330855366729556},{"text":"Okay?","start":3120.29,"end":3120.79,"sentiment":"neutral","sentiment_score":0.05573418736457825},{"text":"Excellent.","start":3122.21,"end":3122.71,"sentiment":"positive","sentiment_score":0.3509284555912018},{"text":"Now you've also got income protection.","start":3123.5752,"end":3125.5151,"sentiment":"neutral","sentiment_score":0.1891920417547226}],"sentiment":"neutral","sentiment_score":0.15373534487282975,"num_words":47,"start":3109.17,"end":3125.5151},{"sentences":[{"text":"Your income protection benefit just pays a monthly benefit pretax of 3,000 675.","start":3126.0552,"end":3133.3552,"sentiment":"neutral","sentiment_score":0.11971427041750687},{"text":"If you think about now your income I'm just grabbing your account.","start":3134.215,"end":3139.5132,"sentiment":"neutral","sentiment_score":0.00042370924105246833},{"text":"I do apologize.","start":3139.5132,"end":3140.2798,"sentiment":"neutral","sentiment_score":-0.061408258974552155},{"text":"What is your current income?","start":3140.5,"end":3142.0999,"sentiment":"neutral","sentiment_score":-0.027625991404056548},{"text":"What are you earning at the moment?","start":3142.0999,"end":3143.72,"sentiment":"neutral","sentiment_score":-0.008354970653142248}],"sentiment":"neutral","sentiment_score":0.029513262445107102,"num_words":40,"start":3126.0552,"end":3143.72},{"sentences":[{"text":"I think I had here last time you were on about thousand.","start":3143.94,"end":3147.24,"sentiment":"neutral","sentiment_score":-0.02237433986738324},{"text":"Okay.","start":3149.2998,"end":3149.7998,"sentiment":"neutral","sentiment_score":0.01044408418238163},{"text":"Yeah.","start":3149.94,"end":3150.44,"sentiment":"neutral","sentiment_score":0.009341884404420853},{"text":"So a thousand is that 1,000 a week net or gross?","start":3152.655,"end":3156.355,"sentiment":"neutral","sentiment_score":0.003888543017885902},{"text":"Yep.","start":3156.975,"end":3157.475,"sentiment":"neutral","sentiment_score":0.01097667496651411}],"sentiment":"neutral","sentiment_score":-0.0074982869868668225,"num_words":26,"start":3143.94,"end":3157.475},{"sentences":[{"text":"Net.","start":3158.895,"end":3159.395,"sentiment":"neutral","sentiment_score":-0.06723777204751968},{"text":"Okay.","start":3159.455,"end":3159.935,"sentiment":"neutral","sentiment_score":0.004536205902695656},{"text":"Beautiful.","start":3159.935,"end":3160.435,"sentiment":"positive","sentiment_score":0.5872758626937866},{"text":"That's okay.","start":3160.975,"end":3161.7952,"sentiment":"positive","sentiment_score":0.43243609368801117},{"text":"So, realistically, so your take home pay is about 52,000 per annum.","start":3163.5352,"end":3168.04,"sentiment":"neutral","sentiment_score":0.07315358333289623}],"sentiment":"neutral","sentiment_score":0.13336996964233763,"num_words":17,"start":3158.895,"end":3168.04},{"sentences":[{"text":"So you're on just over 60,000 a year.","start":3168.04,"end":3170.6199,"sentiment":"neutral","sentiment_score":0.06758042657747865},{"text":"Do you know have you done your tax or seen your final pay for last year?","start":3171.24,"end":3175.56,"sentiment":"neutral","sentiment_score":0.010622412723023444},{"text":"Do you know do you know what you earned last financial year total gross?","start":3175.56,"end":3179.2751,"sentiment":"neutral","sentiment_score":-0.0002234405837953093},{"text":"Yeah.","start":3184.935,"end":3185.435,"sentiment":"neutral","sentiment_score":-0.038248755037784576},{"text":"Yeah.","start":3185.735,"end":3186.235,"sentiment":"neutral","sentiment_score":-0.023990869522094727}],"sentiment":"neutral","sentiment_score":0.016130855586379767,"num_words":40,"start":3168.04,"end":3186.235},{"sentences":[{"text":"Okay.","start":3193.415,"end":3193.86,"sentiment":"neutral","sentiment_score":0.011347181163728235},{"text":"So if we work on, say, $6,060,000 as a bit of a buffer there, with income protection, you can cover up to 70% of your income if you're off work due to illness or injury.","start":3194.5,"end":3206.775,"sentiment":"neutral","sentiment_score":0.012760884381298509},{"text":"So based on an income of 60,000, you would need to be covered for a monthly benefit of 3,500.","start":3207.155,"end":3215.095,"sentiment":"neutral","sentiment_score":0.027593368958485753},{"text":"So your monthly benefit that you're covered for of $3,006.07 5 is slightly over that, but it means that if your income is up to, say, 62 or 63,000, you have a a little bit more cover to, you know, to provide for expenses if you're not able to work.","start":3215.555,"end":3232.625,"sentiment":"neutral","sentiment_score":0.0002042306587100029},{"text":"Does that make sense?","start":3232.625,"end":3233.665,"sentiment":"neutral","sentiment_score":0.02481778711080551}],"sentiment":"neutral","sentiment_score":0.010015915835771811,"num_words":109,"start":3193.415,"end":3233.665},{"sentences":[{"text":"Do you have questions?","start":3233.665,"end":3234.725,"sentiment":"neutral","sentiment_score":-0.0020440786611288786},{"text":"That that's okay.","start":3236.385,"end":3237.345,"sentiment":"neutral","sentiment_score":-0.04704160119096438},{"text":"You are you happy with that level of cover for income protection?","start":3237.345,"end":3240.245,"sentiment":"neutral","sentiment_score":0.07514665027459462},{"text":"It's pretty well on par for what you're earning.","start":3240.305,"end":3242.43,"sentiment":"neutral","sentiment_score":0.15851164526409572},{"text":"Yeah.","start":3245.15,"end":3245.55,"sentiment":"neutral","sentiment_score":0.044197529554367065}],"sentiment":"neutral","sentiment_score":0.0766641731727226,"num_words":29,"start":3233.665,"end":3245.55},{"sentences":[{"text":"Yeah.","start":3245.55,"end":3245.95,"sentiment":"neutral","sentiment_score":0.04299503564834595},{"text":"It is gross.","start":3245.95,"end":3247.01,"sentiment":"neutral","sentiment_score":0.013882056499520937},{"text":"So just like I kinda said to Angela, if you are on an income protection claim, realistically, you will pay tax on that.","start":3247.0698,"end":3252.99,"sentiment":"neutral","sentiment_score":-0.005060785085610722},{"text":"So the amount you receive is a little bit lower.","start":3252.99,"end":3255.49,"sentiment":"neutral","sentiment_score":0.01283380389213562},{"text":"But, yeah, it it they kind of have to account for that.","start":3256.575,"end":3260.335,"sentiment":"neutral","sentiment_score":-0.05330812558531761}],"sentiment":"neutral","sentiment_score":-0.011084006529073325,"num_words":49,"start":3245.55,"end":3260.335},{"sentences":[{"text":"Unfortunately, insurances aren't all tax free.","start":3260.335,"end":3263.855,"sentiment":"neutral","sentiment_score":-0.2503203476468722},{"text":"It's wrong.","start":3263.855,"end":3264.575,"sentiment":"neutral","sentiment_score":-0.2800215482711792},{"text":"It shouldn't be that way.","start":3264.575,"end":3265.875,"sentiment":"neutral","sentiment_score":-0.20719631910324096},{"text":"But, yeah, look.","start":3266.4949,"end":3267.295,"sentiment":"neutral","sentiment_score":0.020429083456595738},{"text":"You're covered for the monthly benefit of 3,675.","start":3267.295,"end":3271.4802,"sentiment":"neutral","sentiment_score":0.1240939637646079}],"sentiment":"neutral","sentiment_score":-0.08516282572721441,"num_words":24,"start":3260.335,"end":3271.4802},{"sentences":[{"text":"And as long as you're comfortable with that, theoretically, you get on a monthly basis a little over 3,000.","start":3271.4802,"end":3277.6602,"sentiment":"neutral","sentiment_score":0.13306877056234762},{"text":"Do you think that would be fairly comfortable for you?","start":3277.9602,"end":3280.7002,"sentiment":"neutral","sentiment_score":0.12048120349645615},{"text":"Yes.","start":3284.04,"end":3284.4402,"sentiment":"neutral","sentiment_score":0.14123359322547913},{"text":"Yep.","start":3284.4402,"end":3284.76,"sentiment":"neutral","sentiment_score":0.1591918170452118},{"text":"That's okay.","start":3284.76,"end":3286.505,"sentiment":"neutral","sentiment_score":0.17086943984031677}],"sentiment":"neutral","sentiment_score":0.13258433229092395,"num_words":33,"start":3271.4802,"end":3286.505},{"sentences":[{"text":"After the call, you're both welcome to sort of have a little chat about what we've gone through.","start":3286.645,"end":3291.045,"sentiment":"neutral","sentiment_score":0.1256260122689936},{"text":"If either of you find you have additional questions or need any additional information, if you like, I can also do up, like, a general email which is with the amount of cover that you both have and just a bit of a rundown on what those covers cover, just some general information to kinda give you a little bit of backup.","start":3291.045,"end":3309.01,"sentiment":"neutral","sentiment_score":0.10553754030937149},{"text":"Would you like me to do that for you after the call as well?","start":3309.01,"end":3311.595,"sentiment":"neutral","sentiment_score":0.09201499048088278},{"text":"Well?","start":3311.9949,"end":3312.4949,"sentiment":"neutral","sentiment_score":0.04846687242388725},{"text":"Yeah.","start":3313.835,"end":3314.155,"sentiment":"positive","sentiment_score":0.4241370856761933}],"sentiment":"neutral","sentiment_score":0.11005634942557663,"num_words":96,"start":3286.645,"end":3314.155},{"sentences":[{"text":"Beautiful.","start":3314.155,"end":3314.655,"sentiment":"positive","sentiment_score":0.6055764555931091},{"text":"Just because I know I go through a lot, so more than happy to break it down and send a bit of a recap just to go through the important things so you can sort of see it on paper and go, oh, maybe this isn't right.","start":3314.795,"end":3326.25,"sentiment":"neutral","sentiment_score":0.2855753617242296},{"text":"Maybe we do need to look at this, and you can always come back and let me know if there's more conversations to be had.","start":3326.25,"end":3331.4502,"sentiment":"neutral","sentiment_score":0.09385199785232544},{"text":"Is that okay?","start":3331.4502,"end":3332.35,"sentiment":"neutral","sentiment_score":0.08871923883756001},{"text":"Yep.","start":3334.01,"end":3334.4102,"sentiment":"neutral","sentiment_score":0.22183504700660703}],"sentiment":"neutral","sentiment_score":0.21898585930466652,"num_words":77,"start":3314.155,"end":3334.4102},{"sentences":[{"text":"Beautiful.","start":3334.4102,"end":3334.9102,"sentiment":"positive","sentiment_score":0.5820475816726685},{"text":"Fantastic.","start":3335.29,"end":3335.79,"sentiment":"positive","sentiment_score":0.5897858738899231},{"text":"So with I've updated a lot of the same things that we sort of spoke about, Angela, just with your expenditure and savings, you guys are able to save around about $600 on a weekly basis.","start":3337.565,"end":3347.9648,"sentiment":"neutral","sentiment_score":0.29626117853654754},{"text":"Is that together between the two of you?","start":3347.9648,"end":3350.19,"sentiment":"neutral","sentiment_score":0.1393652968108654},{"text":"Yes.","start":3353.39,"end":3353.89,"sentiment":"neutral","sentiment_score":0.11927765607833862}],"sentiment":"neutral","sentiment_score":0.2781156577328418,"num_words":47,"start":3334.4102,"end":3353.89},{"sentences":[{"text":"Yep.","start":3354.03,"end":3354.43,"sentiment":"neutral","sentiment_score":0.1881234645843506},{"text":"Beautiful.","start":3354.43,"end":3354.93,"sentiment":"positive","sentiment_score":0.4898955821990967},{"text":"Excellent.","start":3355.23,"end":3355.73,"sentiment":"positive","sentiment_score":0.5107673406600952},{"text":"Let's update that.","start":3356.91,"end":3357.8699,"sentiment":"neutral","sentiment_score":0.27962277332941693},{"text":"I've updated all your assets and liabilities as well.","start":3357.8699,"end":3361.0898,"sentiment":"neutral","sentiment_score":0.1684979647397995}],"sentiment":"neutral","sentiment_score":0.2362757593393326,"num_words":15,"start":3354.03,"end":3361.0898},{"sentences":[{"text":"Sergio, I've got you down as being a community care worker.","start":3361.47,"end":3364.755,"sentiment":"neutral","sentiment_score":0.0594055097211491},{"text":"Is that still fairly accurate for your title?","start":3364.755,"end":3367.1748,"sentiment":"neutral","sentiment_score":0.06485648592934012},{"text":"Yep.","start":3368.275,"end":3368.775,"sentiment":"neutral","sentiment_score":0.1541292667388916},{"text":"Fantastic.","start":3369.155,"end":3369.655,"sentiment":"positive","sentiment_score":0.3696138262748718},{"text":"And I've got one dependent here, so two children.","start":3371.315,"end":3374.375,"sentiment":"neutral","sentiment_score":0.14128010223309198}],"sentiment":"neutral","sentiment_score":0.09891921691596509,"num_words":30,"start":3361.47,"end":3374.375},{"sentences":[{"text":"I've got your age to access the same.","start":3374.515,"end":3376.755,"sentiment":"neutral","sentiment_score":0.12292280327528715},{"text":"We're looking at age 60.","start":3376.755,"end":3378.375,"sentiment":"neutral","sentiment_score":0.073817790299654},{"text":"I believe in retirement, the two of you were originally sort of looking at an income of about a thousand dollars a week.","start":3378.99,"end":3386.75,"sentiment":"neutral","sentiment_score":0.07309391381947891},{"text":"Would you be looking at maybe that from each of your supers, or would you be hoping to get that from both of them together, maybe a thousand dollars of income in retirement together?","start":3386.75,"end":3398.0151,"sentiment":"neutral","sentiment_score":0.11001190597958424},{"text":"How would you sort of quantify that?","start":3398.395,"end":3400.5752,"sentiment":"neutral","sentiment_score":0.02317909151315689}],"sentiment":"neutral","sentiment_score":0.0900816862265785,"num_words":77,"start":3374.515,"end":3400.5752},{"sentences":[{"text":"Yep.","start":3404.155,"end":3404.655,"sentiment":"neutral","sentiment_score":0.052948735654354095},{"text":"Yeah.","start":3406.875,"end":3407.375,"sentiment":"neutral","sentiment_score":0.018167225643992424},{"text":"Absolutely.","start":3416.86,"end":3417.36,"sentiment":"neutral","sentiment_score":0.02780940569937229},{"text":"Absolutely.","start":3417.6602,"end":3418.1602,"sentiment":"neutral","sentiment_score":0.1036628559231758},{"text":"Yeah.","start":3418.7002,"end":3419.1802,"sentiment":"neutral","sentiment_score":0.07599475979804993}],"sentiment":"neutral","sentiment_score":0.05571659654378891,"num_words":5,"start":3404.155,"end":3419.1802},{"sentences":[{"text":"No.","start":3419.1802,"end":3419.5,"sentiment":"neutral","sentiment_score":0.11038080602884293},{"text":"Not a problem at all.","start":3419.5,"end":3420.54,"sentiment":"neutral","sentiment_score":0.1598189353942871},{"text":"We can certainly factor that in for you.","start":3420.54,"end":3422.8,"sentiment":"neutral","sentiment_score":0.20160198956727982},{"text":"I also had additional goals here in retirement wanting to be completely debt free.","start":3423.3052,"end":3428.5051,"sentiment":"neutral","sentiment_score":0.09797052613326482},{"text":"So hoping to have the mortgage paid down by that time.","start":3428.5051,"end":3431.385,"sentiment":"neutral","sentiment_score":0.08322144740007141}],"sentiment":"neutral","sentiment_score":0.12331576120012845,"num_words":39,"start":3419.1802,"end":3431.385},{"sentences":[{"text":"Is that right?","start":3431.385,"end":3432.205,"sentiment":"neutral","sentiment_score":0.08452897022167842},{"text":"Yep.","start":3433.705,"end":3434.1052,"sentiment":"neutral","sentiment_score":0.20747385919094088},{"text":"Beautiful.","start":3434.1052,"end":3434.6052,"sentiment":"positive","sentiment_score":0.5523853302001953},{"text":"And then I've also got down here insurances we've gone through.","start":3436.185,"end":3440.6099,"sentiment":"neutral","sentiment_score":0.15812498872930353},{"text":"In the next five years, you'd love to have another property purchase.","start":3440.6099,"end":3444.63,"sentiment":"neutral","sentiment_score":0.14213725986580053}],"sentiment":"neutral","sentiment_score":0.1592310033738613,"num_words":28,"start":3431.385,"end":3444.63},{"sentences":[{"text":"Is that still maybe a goal that you do have together?","start":3444.69,"end":3447.51,"sentiment":"neutral","sentiment_score":0.0968767147172581},{"text":"Or yeah.","start":3447.5698,"end":3453.99,"sentiment":"neutral","sentiment_score":0.11045510694384575},{"text":"Perfect.","start":3454.665,"end":3455.145,"sentiment":"positive","sentiment_score":0.382332056760788},{"text":"Not a problem at all.","start":3455.145,"end":3456.425,"sentiment":"neutral","sentiment_score":0.3117470622062683},{"text":"Excellent.","start":3456.425,"end":3456.925,"sentiment":"positive","sentiment_score":0.4943707585334778}],"sentiment":"neutral","sentiment_score":0.1860996101051569,"num_words":20,"start":3444.69,"end":3456.925},{"sentences":[{"text":"And, Sergio, the only other thing to sort of talk about insurance wise is that you can get other types of insurance cover.","start":3457.625,"end":3464.185,"sentiment":"neutral","sentiment_score":0.10818265135521474},{"text":"So things like trauma, which is paid out of your back pocket, but can pay out a lump sum tax free benefit in the event that you'll stay diagnosed with MS, Parkinson's, cancer, have a heart attack or a stroke.","start":3464.185,"end":3479.01,"sentiment":"neutral","sentiment_score":0.10095858639106155},{"text":"Did you wanna look at getting any additional trauma insurances, or you're happy with the life, the TBD, the income protection you have?","start":3479.01,"end":3486.515,"sentiment":"neutral","sentiment_score":0.08078065951881201},{"text":"I think you've got fantastic.","start":3489.775,"end":3490.915,"sentiment":"positive","sentiment_score":0.5983767986297608},{"text":"Not a problem at all.","start":3491.375,"end":3492.7551,"sentiment":"neutral","sentiment_score":0.2570652335882187}],"sentiment":"neutral","sentiment_score":0.13189281007119766,"num_words":96,"start":3457.625,"end":3492.7551},{"sentences":[{"text":"Excellent.","start":3492.975,"end":3493.475,"sentiment":"positive","sentiment_score":0.4259625375270843},{"text":"The other thing to sort of talk about is I had a note here that you both just so want wanted to ask more about additional investments and things like that.","start":3493.615,"end":3502.14,"sentiment":"neutral","sentiment_score":0.10217345505952835},{"text":"Feel free to go for it now.","start":3503.08,"end":3505.24,"sentiment":"neutral","sentiment_score":0.20550696977547236},{"text":"What can I help you with?","start":3505.24,"end":3506.3599,"sentiment":"neutral","sentiment_score":0.08824813241759936},{"text":"What sort of questions did you have in relation to that that I can help you with?","start":3506.3599,"end":3519.7551,"sentiment":"neutral","sentiment_score":0.044990869074621624}],"sentiment":"neutral","sentiment_score":0.10203583873507957,"num_words":62,"start":3492.975,"end":3519.7551},{"sentences":[{"text":"Mhmm.","start":3520.135,"end":3520.635,"sentiment":"neutral","sentiment_score":0.005261691752821207},{"text":"Mhmm.","start":3524.535,"end":3525.035,"sentiment":"neutral","sentiment_score":0.010186200961470604},{"text":"Yep.","start":3525.3,"end":3525.8,"sentiment":"neutral","sentiment_score":0.0026021464727818966},{"text":"All good.","start":3533.54,"end":3533.94,"sentiment":"neutral","sentiment_score":0.11686328798532486},{"text":"Sorry.","start":3533.94,"end":3534.34,"sentiment":"neutral","sentiment_score":-0.0790061503648758}],"sentiment":"neutral","sentiment_score":0.028795077465474606,"num_words":6,"start":3520.135,"end":3534.34},{"sentences":[{"text":"The phone cut out.","start":3534.34,"end":3534.98,"sentiment":"neutral","sentiment_score":-0.11543238535523415},{"text":"I do apologize.","start":3534.98,"end":3535.72,"sentiment":"neutral","sentiment_score":-0.1242986371119817},{"text":"So you're sort of looking at ways to utilize your in order to buy property.","start":3536.1802,"end":3540.315,"sentiment":"neutral","sentiment_score":0.005059808554748694},{"text":"Is that right?","start":3540.315,"end":3541.215,"sentiment":"neutral","sentiment_score":0.020810067964096863},{"text":"Hi.","start":3557.53,"end":3557.8499,"sentiment":"neutral","sentiment_score":-0.08157473057508469}],"sentiment":"neutral","sentiment_score":-0.02991818658147867,"num_words":26,"start":3534.34,"end":3557.8499},{"sentences":[{"text":"Yes.","start":3557.8499,"end":3558.3298,"sentiment":"neutral","sentiment_score":-0.015017124824225904},{"text":"I can.","start":3558.3298,"end":3558.8098,"sentiment":"neutral","sentiment_score":-0.022827401757240295},{"text":"Yes.","start":3558.8098,"end":3559.21,"sentiment":"neutral","sentiment_score":-0.01567089557647705},{"text":"I'm sorry.","start":3559.21,"end":3559.95,"sentiment":"neutral","sentiment_score":-0.18258602917194366},{"text":"No.","start":3567.855,"end":3568.2551,"sentiment":"neutral","sentiment_score":-0.2012747228145599}],"sentiment":"neutral","sentiment_score":-0.09182708643909011,"num_words":7,"start":3557.8499,"end":3568.2551},{"sentences":[{"text":"Don't.","start":3568.2551,"end":3568.7551,"sentiment":"neutral","sentiment_score":-0.11290334165096284},{"text":"It's honestly absolutely fine.","start":3568.815,"end":3570.735,"sentiment":"neutral","sentiment_score":0.27953773364424706},{"text":"That's not a problem at all.","start":3570.735,"end":3572.335,"sentiment":"positive","sentiment_score":0.3346319893995921},{"text":"Honestly, it's all good.","start":3572.335,"end":3573.715,"sentiment":"positive","sentiment_score":0.6457975804805756},{"text":"I just just to kind of recap the question that you both had.","start":3574.415,"end":3577.375,"sentiment":"neutral","sentiment_score":0.1798858241393016}],"sentiment":"neutral","sentiment_score":0.2833837701806,"num_words":28,"start":3568.2551,"end":3577.375},{"sentences":[{"text":"So you're looking at ways to be able to utilize your super to maybe buy property.","start":3577.375,"end":3582.15,"sentiment":"neutral","sentiment_score":0.15814576391130686},{"text":"Is that right?","start":3582.15,"end":3582.8699,"sentiment":"neutral","sentiment_score":0.12133496006329854},{"text":"Like, an investment property.","start":3582.8699,"end":3583.99,"sentiment":"neutral","sentiment_score":0.11102623119950294},{"text":"Is that right?","start":3583.99,"end":3584.89,"sentiment":"neutral","sentiment_score":0.12535776694615683},{"text":"Yeah.","start":3586.63,"end":3587.13,"sentiment":"neutral","sentiment_score":0.029830114915966988}],"sentiment":"neutral","sentiment_score":0.13867946086382424,"num_words":27,"start":3577.375,"end":3587.13},{"sentences":[{"text":"Mhmm.","start":3605.2048,"end":3605.34,"sentiment":"neutral","sentiment_score":-0.023702606558799744},{"text":"Yep.","start":3609.1,"end":3609.6,"sentiment":"neutral","sentiment_score":-0.017382793128490448},{"text":"Absolutely.","start":3609.6602,"end":3610.1602,"sentiment":"neutral","sentiment_score":-0.0019316859543323517},{"text":"Yeah.","start":3610.7002,"end":3611.2002,"sentiment":"neutral","sentiment_score":0.019703079015016556},{"text":"Yeah.","start":3611.58,"end":3612.06,"sentiment":"neutral","sentiment_score":0.03989763557910919}],"sentiment":"neutral","sentiment_score":0.003316725790500641,"num_words":5,"start":3605.2048,"end":3612.06},{"sentences":[{"text":"Definitely.","start":3612.06,"end":3612.56,"sentiment":"neutral","sentiment_score":0.06482113152742386},{"text":"So, realistically, the only way that we did have to be able to use our super to buy an investment property was to have a self managed super fund.","start":3613.1802,"end":3621.625,"sentiment":"neutral","sentiment_score":-0.00040834971928390963},{"text":"So in the super fund that you both have within hub twenty four, we're able to hold listed properties.","start":3621.625,"end":3626.345,"sentiment":"neutral","sentiment_score":0.028655126592830607},{"text":"So we can hold investments in property funds.","start":3626.345,"end":3629.1648,"sentiment":"neutral","sentiment_score":0.020887366263195872},{"text":"In order to buy an actual house, we we used to have to have a self managed super fund, and we used to be able to get a loan within that super fund where the super fund would own the house.","start":3629.865,"end":3639.98,"sentiment":"neutral","sentiment_score":-0.006117731923373734}],"sentiment":"neutral","sentiment_score":0.005241819552849142,"num_words":98,"start":3612.06,"end":3639.98},{"sentences":[{"text":"The rent would pay that down and our contributions, and then by our time, we would have to sell the property or find a way to have the income cover, you know, our living expenses.","start":3640.5999,"end":3646.8599,"sentiment":"neutral","sentiment_score":-0.023951419708984237},{"text":"Unfortunately, as of the last week of June, and as of essentially seven days ago now, the government has changed the rules on self managed super funds.","start":3652.195,"end":3662.7,"sentiment":"neutral","sentiment_score":-0.21383035072573908},{"text":"So we can no longer hold a loan within a a super fund to hold residential properties.","start":3662.7,"end":3668.64,"sentiment":"neutral","sentiment_score":-0.20289250156458685},{"text":"So they don't let us do that anymore.","start":3668.7,"end":3670.94,"sentiment":"neutral","sentiment_score":-0.22441628947854042},{"text":"The only way you could hold have property within a self managed super fund now is to buy a commercial property and get a loan for that or to have enough money to buy the property outright, which don't quite have at the moment.","start":3670.94,"end":3684.685,"sentiment":"neutral","sentiment_score":-0.0733590680597858}],"sentiment":"neutral","sentiment_score":-0.11514519844630747,"num_words":131,"start":3640.5999,"end":3684.685},{"sentences":[{"text":"So it means that, realistically, we can't use super to do that currently.","start":3685.225,"end":3689.325,"sentiment":"negative","sentiment_score":-0.4498036549641536},{"text":"There are other options where you could look at your borrowing capacity and speak to a mortgage broker to see whether you could buy an investment property and what sort of what your borrowing capacity might look like or how much you can borrow based on your expenses, I could certainly refer you through to a mortgage broker to do that.","start":3690.3,"end":3709.605,"sentiment":"neutral","sentiment_score":0.14731325777094872},{"text":"We don't do that because we don't have a credit license, so it's not something financial advisers do without a credit license.","start":3709.605,"end":3716.345,"sentiment":"neutral","sentiment_score":-0.1736245656555349},{"text":"But I can refer you through to some great mortgage brokers who can have a look at your borrowing capacity, have a look at your family circumstances and your expenditure, and see whether or not you're able to get a loan and what you might be able to borrow.","start":3717.09,"end":3730.3901,"sentiment":"neutral","sentiment_score":0.2644282272275613},{"text":"They also take into account what kind of equity you have in your property as well, and what kind of rental income you might be able to receive from the possible property there as well.","start":3730.77,"end":3740.875,"sentiment":"neutral","sentiment_score":0.184283923464162}],"sentiment":"neutral","sentiment_score":0.1040324512248238,"num_words":180,"start":3685.225,"end":3740.875},{"sentences":[{"text":"So there's a lot of things to take into an account there.","start":3740.875,"end":3744.815,"sentiment":"neutral","sentiment_score":-0.1186094864582022},{"text":"When it comes to sort of holding a property, generally, we have a thirty year loan term on properties because it lowers the amount of of repayments we make, and it's easier for servicing.","start":3745.7,"end":3756.2,"sentiment":"neutral","sentiment_score":0.06693451939260259},{"text":"It does mean that with eighteen years to the age of 60, getting a new another property now means that you're extending your loan.","start":3757.46,"end":3766.035,"sentiment":"neutral","sentiment_score":0.03343785655063888},{"text":"So as an example, you owe 560,000 on the property at the moment.","start":3766.035,"end":3771.815,"sentiment":"neutral","sentiment_score":-0.029796805376043685},{"text":"If you then borrow, if you then release equity and draw another 100,000 off the property loan to put towards, you know, getting a new property and say you then had to borrow 500,000 on top of that, you would have three loans.","start":3772.4348,"end":3788.865,"sentiment":"neutral","sentiment_score":0.026536260406638302}],"sentiment":"neutral","sentiment_score":0.019116421481446613,"num_words":126,"start":3740.875,"end":3788.865},{"sentences":[{"text":"Your main primary residence loan, which is essentially the $5.60 you have owing now, then you've also got an equity loan, which is that extra 100,000 sitting there, and then you've also got the investment loan as well, which is the extra 500,000 you've borrowed.","start":3789.0051,"end":3805.93,"sentiment":"neutral","sentiment_score":0.10549544973505867},{"text":"All three of those loans would be reassessed at a thirty year loan term.","start":3806.63,"end":3810.95,"sentiment":"neutral","sentiment_score":0.1683223769068718},{"text":"So it means you can pay them down in that eighteen years if you've got extra cash and can, you know, pump money into it faster.","start":3810.95,"end":3819.5852,"sentiment":"neutral","sentiment_score":0.3144787120131346},{"text":"But, realistically, most people then would end up with a mortgage into retirement, whether it be all the loans or just the investment loan into which means that we would have to factor in the drawdowns from super to account for the loan aspect that you are still paying back as well.","start":3819.965,"end":3837.76,"sentiment":"neutral","sentiment_score":0.11977652134373784},{"text":"Does that make sense?","start":3837.76,"end":3838.9,"sentiment":"neutral","sentiment_score":0.1115283016115427}],"sentiment":"neutral","sentiment_score":0.15570742796763037,"num_words":141,"start":3789.0051,"end":3838.9},{"sentences":[{"text":"Yeah.","start":3841.1199,"end":3841.6199,"sentiment":"neutral","sentiment_score":0.04252246394753456},{"text":"Yeah.","start":3842.4,"end":3842.835,"sentiment":"neutral","sentiment_score":0.06050670146942139},{"text":"No.","start":3844.675,"end":3844.835,"sentiment":"neutral","sentiment_score":-0.05001933127641678},{"text":"I mean, it's definitely not something you can't do.","start":3844.835,"end":3847.255,"sentiment":"neutral","sentiment_score":-0.07795079549153645},{"text":"I would be more than happy to put you in contact with a broker now to at least have a chat about your options.","start":3847.4749,"end":3853.2349,"sentiment":"positive","sentiment_score":0.4317341198523839}],"sentiment":"neutral","sentiment_score":0.26980754308816457,"num_words":36,"start":3841.1199,"end":3853.2349},{"sentences":[{"text":"That's generally the way it works.","start":3853.2349,"end":3855.335,"sentiment":"positive","sentiment_score":0.3888714214166005},{"text":"But if you wanted to speak to a mortgage broker, there's no harm.","start":3856.1099,"end":3858.99,"sentiment":"positive","sentiment_score":0.34280765973604643},{"text":"There's no cost to yourself.","start":3858.99,"end":3860.43,"sentiment":"positive","sentiment_score":0.46316800117492674},{"text":"It's completely free.","start":3860.43,"end":3861.8699,"sentiment":"positive","sentiment_score":0.5837980508804321},{"text":"They get paid by the lenders, the loans that they write.","start":3861.8699,"end":3865.17,"sentiment":"positive","sentiment_score":0.3467287908900868}],"sentiment":"positive","sentiment_score":0.3860783937730287,"num_words":38,"start":3853.2349,"end":3865.17},{"sentences":[{"text":"And if you don't have servicing capacity, then they'll let you know.","start":3865.63,"end":3869.855,"sentiment":"neutral","sentiment_score":0.10941241960972548},{"text":"But at least if they look at what you've got, what your servicing might be, or how much you can borrow, it kind of then gives you an idea as as to whether you wanna go the property route.","start":3869.855,"end":3880.175,"sentiment":"neutral","sentiment_score":0.1635131144370788},{"text":"The other side of it is if you're wanting to build wealth to kinda supplement super, we can also look at investments outside of super.","start":3880.175,"end":3887.53,"sentiment":"neutral","sentiment_score":0.11707624405622483},{"text":"Sorry.","start":3887.59,"end":3888.09,"sentiment":"neutral","sentiment_score":-0.011287566274404526},{"text":"We can look at investment bonds or investment portfolios very similar to your super where you can be putting money into the into the share market and building wealth to supplement.","start":3888.3901,"end":3897.815,"sentiment":"neutral","sentiment_score":0.15917511692931574}],"sentiment":"neutral","sentiment_score":0.14388895979909985,"num_words":108,"start":3865.63,"end":3897.815},{"sentences":[{"text":"And we can also look at salary sacrifice or making additional contributions to your super to provide a boost there so you can access super at the age of 60 and have hopefully more money invested.","start":3897.9548,"end":3908.855,"sentiment":"neutral","sentiment_score":0.2511524160703023},{"text":"So there are other ways that we can look to invest money.","start":3909.075,"end":3912.435,"sentiment":"neutral","sentiment_score":0.21999644115567207},{"text":"It doesn't have to be property.","start":3912.435,"end":3914.0,"sentiment":"neutral","sentiment_score":0.1781159428258737},{"text":"But at the same time, it's it's more just down to what your goals are, what's important to you, whether you wanna have a property.","start":3915.34,"end":3921.44,"sentiment":"neutral","sentiment_score":0.28846998885273933},{"text":"The other aspect is you might decide to hold off on property.","start":3921.66,"end":3924.86,"sentiment":"neutral","sentiment_score":0.024330817783872288}],"sentiment":"neutral","sentiment_score":0.2225698842206499,"num_words":91,"start":3897.9548,"end":3924.86},{"sentences":[{"text":"But because you've got your daughter who's 21, if she's working and saving, she might wanna buy something down the track, and you guys might be able to join into the loan with her and buy something jointly.","start":3924.86,"end":3935.355,"sentiment":"neutral","sentiment_score":0.15173111983427875},{"text":"And that might be, you know, something down the track to give you a little bit of a an investment side of things, but also get her into the market as well.","start":3935.355,"end":3944.06,"sentiment":"neutral","sentiment_score":0.17278458992950618},{"text":"So there's those other options down the track for you as well that you can explore.","start":3944.06,"end":3948.24,"sentiment":"neutral","sentiment_score":0.24618148431181908},{"text":"Yeah.","start":3948.54,"end":3949.04,"sentiment":"neutral","sentiment_score":0.18688535690307617},{"text":"Yeah.","start":3955.1,"end":3955.6,"sentiment":"neutral","sentiment_score":0.23280030488967896}],"sentiment":"neutral","sentiment_score":0.17788044138896195,"num_words":88,"start":3924.86,"end":3955.6},{"sentences":[{"text":"Yeah.","start":3955.9802,"end":3956.385,"sentiment":"neutral","sentiment_score":0.23489448428153992},{"text":"Yeah.","start":3966.145,"end":3966.645,"sentiment":"neutral","sentiment_score":0.11889898777008057},{"text":"Absolutely.","start":3966.785,"end":3967.285,"sentiment":"neutral","sentiment_score":0.20459690690040588},{"text":"They can yeah.","start":3967.585,"end":3968.705,"sentiment":"neutral","sentiment_score":0.17949283619721731},{"text":"Sorry.","start":3968.705,"end":3969.12,"sentiment":"neutral","sentiment_score":0.04652637615799904}],"sentiment":"neutral","sentiment_score":0.16334218052881105,"num_words":7,"start":3955.9802,"end":3969.12},{"sentences":[{"text":"You're right.","start":3969.12,"end":3969.86,"sentiment":"neutral","sentiment_score":0.12091270834207533},{"text":"Yeah.","start":3970.7202,"end":3971.2202,"sentiment":"neutral","sentiment_score":0.32494908571243286},{"text":"Yeah.","start":3977.12,"end":3977.62,"sentiment":"neutral","sentiment_score":0.21651729941368103},{"text":"Yep.","start":3980.8801,"end":3981.135,"sentiment":"neutral","sentiment_score":0.21815696358680725},{"text":"Yeah.","start":3986.495,"end":3986.975,"sentiment":"positive","sentiment_score":0.501064658164978}],"sentiment":"neutral","sentiment_score":0.25041890392700833,"num_words":6,"start":3969.12,"end":3986.975},{"sentences":[{"text":"Fantastic.","start":3986.975,"end":3987.475,"sentiment":"positive","sentiment_score":0.7443704605102539},{"text":"And there's a a lot of people at the moment.","start":3987.775,"end":3990.095,"sentiment":"positive","sentiment_score":0.37469108700752257},{"text":"I've spoken to some clients where, you know, they might be buying a property with their child.","start":3990.095,"end":3994.55,"sentiment":"neutral","sentiment_score":0.2364918282803367},{"text":"It might be fifty fifty split or, you know, it could even be a sixty forty split child into smaller portion than the parents due to the servicing aspect.","start":3994.55,"end":4002.17,"sentiment":"neutral","sentiment_score":0.2362812937333666},{"text":"But it means that, you know, come the age of 60, if she's then got a really good income, she could buy your share of the property out, which alleviates and, you know, bring gives you guys the capital back plus some additional growth depending on what she buys it for.","start":4002.79,"end":4016.955,"sentiment":"positive","sentiment_score":0.4202047200763927}],"sentiment":"positive","sentiment_score":0.3406874134584709,"num_words":108,"start":3986.975,"end":4016.955},{"sentences":[{"text":"And that could also help to supplement super down the track as well.","start":4017.335,"end":4020.695,"sentiment":"positive","sentiment_score":0.427057500068958},{"text":"So there are those other aspects and differences different ways to assess it.","start":4020.695,"end":4026.2,"sentiment":"neutral","sentiment_score":0.0466954278258177},{"text":"We sort of look at I always look at a thirty year loan term, but the mortgage broker might be able to also look at, say, a twenty year loan term for you or a twenty five year loan term for you and show you what the mortgage or payments might be on that.","start":4026.2,"end":4040.7249,"sentiment":"neutral","sentiment_score":0.037845640184564724},{"text":"And then if you get pay rises in between that or if you decide not to keep the property longer, there's there's other things that can definitely change.","start":4041.105,"end":4048.305,"sentiment":"neutral","sentiment_score":-0.060395903419703245},{"text":"So eighteen years is still a long time away.","start":4048.305,"end":4051.285,"sentiment":"neutral","sentiment_score":-0.27592336552010643}],"sentiment":"neutral","sentiment_score":0.03442783800996522,"num_words":117,"start":4017.335,"end":4051.285},{"sentences":[{"text":"And if it means that you just work an extra five or six years, it might not be a bad thing.","start":4051.8,"end":4056.36,"sentiment":"neutral","sentiment_score":0.11548799702099391},{"text":"We might be able to be super enough to pay the the loans off.","start":4056.36,"end":4059.8801,"sentiment":"neutral","sentiment_score":0.17834338758672988},{"text":"There's lots of different options out there, but I do think maybe just having that initial conversation with the mortgage broker might be worthwhile looking at what your options are, the servicing capacity.","start":4059.8801,"end":4069.555,"sentiment":"neutral","sentiment_score":0.21389431822480579},{"text":"Maybe, yeah, when you join your daughter into the conversation and have a chat about what she might be able to bring to the table and how this could benefit her as well.","start":4069.935,"end":4077.795,"sentiment":"neutral","sentiment_score":0.31284045269995026},{"text":"And, yeah, just wanna see what what might be comfortable for the three of you or the two of you.","start":4078.6702,"end":4083.1501,"sentiment":"neutral","sentiment_score":0.14375585801899432}],"sentiment":"neutral","sentiment_score":0.20809437987232995,"num_words":121,"start":4051.8,"end":4083.1501},{"sentences":[{"text":"Does that sound okay?","start":4083.1501,"end":4084.37,"sentiment":"neutral","sentiment_score":0.1338315885514021},{"text":"Yeah.","start":4086.27,"end":4086.59,"sentiment":"neutral","sentiment_score":0.08418166637420654},{"text":"I'm sorry.","start":4086.59,"end":4087.07,"sentiment":"neutral","sentiment_score":-0.019795049563981593},{"text":"It's a very broad answer.","start":4087.07,"end":4088.27,"sentiment":"neutral","sentiment_score":-0.04277170076966286},{"text":"It's very hard to kinda give you definite, but it's kinda giving you options, and it's not saying, no.","start":4088.27,"end":4093.3901,"sentiment":"neutral","sentiment_score":0.00023170374333858563}],"sentiment":"neutral","sentiment_score":0.01195038028151518,"num_words":31,"start":4083.1501,"end":4093.3901},{"sentences":[{"text":"You can't do this.","start":4093.3901,"end":4094.2349,"sentiment":"neutral","sentiment_score":-0.06513776909559965},{"text":"It's just looking at other ways to sort of make it work for you because there's not a black and white scenario.","start":4094.2349,"end":4100.335,"sentiment":"neutral","sentiment_score":0.1265210094438358},{"text":"Financial advice and finance in general can have gray areas, and sometimes sitting within those gray areas can be where you find the benefit or where you find something that works for you.","start":4100.795,"end":4110.74,"sentiment":"neutral","sentiment_score":0.15041915395043112},{"text":"Does that make sense?","start":4110.74,"end":4111.88,"sentiment":"neutral","sentiment_score":0.10754318349063396},{"text":"Yep.","start":4113.54,"end":4114.04,"sentiment":"neutral","sentiment_score":0.25351959466934204}],"sentiment":"neutral","sentiment_score":0.12766305531840771,"num_words":64,"start":4093.3901,"end":4114.04},{"sentences":[{"text":"Be beautiful.","start":4114.18,"end":4115.62,"sentiment":"positive","sentiment_score":0.7030996084213257},{"text":"The mortgage broker I'll refer you to is Brooke.","start":4115.62,"end":4118.04,"sentiment":"neutral","sentiment_score":0.24394506381617653},{"text":"The email we send is to you and her.","start":4118.34,"end":4120.865,"sentiment":"neutral","sentiment_score":0.16798560155762565},{"text":"So it's an introduction from myself to you and to her, and then she'll make contact to make a time to have a chat with you guys about the servicing, and look at your borrowing capacity and kinda go from there.","start":4120.865,"end":4132.35,"sentiment":"neutral","sentiment_score":0.09622901662184698},{"text":"Does that sound okay?","start":4132.35,"end":4133.5703,"sentiment":"neutral","sentiment_score":0.08359864912927151}],"sentiment":"neutral","sentiment_score":0.14451322281876436,"num_words":65,"start":4114.18,"end":4133.5703},{"sentences":[{"text":"Yeah.","start":4135.39,"end":4135.71,"sentiment":"neutral","sentiment_score":0.0952310711145401},{"text":"Do you have additional questions?","start":4135.71,"end":4137.39,"sentiment":"neutral","sentiment_score":0.043620814383029935},{"text":"Have I answered everything that you had, or did you have more questions that you wanted to bring up with me?","start":4137.39,"end":4142.77,"sentiment":"neutral","sentiment_score":0.028359040263153258},{"text":"Yeah.","start":4144.5103,"end":4144.815,"sentiment":"neutral","sentiment_score":-0.02629053220152855},{"text":"Yeah.","start":4146.415,"end":4146.915,"sentiment":"neutral","sentiment_score":-0.00010893680155277252}],"sentiment":"neutral","sentiment_score":0.030430190329407823,"num_words":29,"start":4135.39,"end":4146.915},{"sentences":[{"text":"Yeah.","start":4148.015,"end":4148.515,"sentiment":"neutral","sentiment_score":-0.012001330964267254},{"text":"That's okay.","start":4150.5747,"end":4151.395,"sentiment":"neutral","sentiment_score":0.3268844932317734},{"text":"Fantastic.","start":4155.935,"end":4156.435,"sentiment":"positive","sentiment_score":0.6865030527114868},{"text":"The last thing I just wanted to do with the both of you is a quick risk profile questionnaire.","start":4157.5103,"end":4161.77,"sentiment":"neutral","sentiment_score":0.19061285178912313},{"text":"So I'm just gonna go through a couple of questions just to sort of assess whether or not you're in the correct portfolios currently and whether we keep the risk level that you have got.","start":4162.95,"end":4172.89,"sentiment":"neutral","sentiment_score":0.10053381446216787}],"sentiment":"neutral","sentiment_score":0.14601031721344795,"num_words":58,"start":4148.015,"end":4172.89},{"sentences":[{"text":"The first one I have for each of you is just if you saw the markets fall by 20% over the next sort of one to two years, how do you think you might react individually?","start":4173.545,"end":4183.885,"sentiment":"neutral","sentiment_score":-0.028697471237844892},{"text":"Do you think you'd consider it a buying opportunity, maybe put more money into the market?","start":4184.185,"end":4189.13,"sentiment":"neutral","sentiment_score":-0.023508369107730687},{"text":"Are you wanting to maybe hold and wait and speak to us, or are you a bit concerned and maybe wanting to sell the investment to cash?","start":4189.4297,"end":4195.9897,"sentiment":"neutral","sentiment_score":-0.04715346324223059},{"text":"How do you think you might react?","start":4195.9897,"end":4197.61,"sentiment":"neutral","sentiment_score":-0.03261094114610127},{"text":"Yeah.","start":4200.55,"end":4201.05,"sentiment":"neutral","sentiment_score":-0.04432279989123344}],"sentiment":"neutral","sentiment_score":-0.033965353629198565,"num_words":87,"start":4173.545,"end":4201.05},{"sentences":[{"text":"Yeah.","start":4204.8247,"end":4205.3247,"sentiment":"neutral","sentiment_score":-0.02364907413721085},{"text":"Mhmm.","start":4211.945,"end":4212.445,"sentiment":"neutral","sentiment_score":-0.024107104167342183},{"text":"Yep.","start":4224.6,"end":4225.0,"sentiment":"neutral","sentiment_score":0.031442902982234955},{"text":"Yep.","start":4225.0,"end":4225.4,"sentiment":"neutral","sentiment_score":0.029420888051390648},{"text":"You'd you'd wanna sort of look at how to maneuver the investments to mitigate the risk of the market going up and down.","start":4225.4,"end":4231.815,"sentiment":"neutral","sentiment_score":0.025989323611492695}],"sentiment":"neutral","sentiment_score":0.02262452058494091,"num_words":27,"start":4204.8247,"end":4231.815},{"sentences":[{"text":"Yep.","start":4232.835,"end":4233.155,"sentiment":"neutral","sentiment_score":0.0671980008482933},{"text":"And that would probably come with a conversation to us to see what we recommend you do and how we react in that instance.","start":4233.155,"end":4239.0947,"sentiment":"neutral","sentiment_score":0.08135631463179986},{"text":"Yep.","start":4239.315,"end":4239.795,"sentiment":"neutral","sentiment_score":0.1118621677160263},{"text":"Yep.","start":4239.795,"end":4240.295,"sentiment":"neutral","sentiment_score":0.14179842174053192},{"text":"Beautiful.","start":4240.995,"end":4241.495,"sentiment":"positive","sentiment_score":0.4275279641151428}],"sentiment":"neutral","sentiment_score":0.09646207519939967,"num_words":28,"start":4232.835,"end":4241.495},{"sentences":[{"text":"Sergio, how do you think he might react?","start":4241.8804,"end":4243.8203,"sentiment":"neutral","sentiment_score":0.16193692479282618},{"text":"Yep.","start":4247.96,"end":4248.3604,"sentiment":"neutral","sentiment_score":0.06396365910768509},{"text":"Yep.","start":4248.3604,"end":4248.8604,"sentiment":"neutral","sentiment_score":0.02889205142855644},{"text":"How do you think you might react?","start":4259.9746,"end":4261.4946,"sentiment":"neutral","sentiment_score":-0.026765142434409687},{"text":"Do you think you'd be buying in as a buying opportunity?","start":4261.4946,"end":4264.9546,"sentiment":"neutral","sentiment_score":0.06462901627475565}],"sentiment":"neutral","sentiment_score":0.06828265324501055,"num_words":28,"start":4241.8804,"end":4264.9546},{"sentences":[{"text":"Yep.","start":4270.83,"end":4271.33,"sentiment":"neutral","sentiment_score":0.0393497608602047},{"text":"Perfect.","start":4282.3853,"end":4282.8853,"sentiment":"neutral","sentiment_score":0.24662411212921145},{"text":"Perfect.","start":4285.585,"end":4286.085,"sentiment":"neutral","sentiment_score":0.29947033524513245},{"text":"The next question here is when you think about the risk level that you're taking now, Angela, when you think about risk out of a number between one and five, one five being the highest level of risk, one being the lowest, you're sitting about a three.","start":4286.5454,"end":4298.56,"sentiment":"neutral","sentiment_score":-0.030929500593784007},{"text":"So you're kind of mid range there.","start":4298.56,"end":4300.5,"sentiment":"neutral","sentiment_score":-0.02296035923063755}],"sentiment":"neutral","sentiment_score":-0.018052014636627416,"num_words":57,"start":4270.83,"end":4300.5},{"sentences":[{"text":"Sergio, you're probably sitting at more of a two.","start":4300.6396,"end":4303.2197,"sentiment":"neutral","sentiment_score":-0.014530789383570664},{"text":"Sorry.","start":4304.0,"end":4304.2397,"sentiment":"neutral","sentiment_score":-0.08206798136234283},{"text":"It's not three.","start":4304.2397,"end":4305.04,"sentiment":"neutral","sentiment_score":-0.08614075680573781},{"text":"Sorry.","start":4305.04,"end":4305.54,"sentiment":"neutral","sentiment_score":-0.05271947383880615},{"text":"Sergio, you're sitting at a four because five is the highest.","start":4305.76,"end":4308.4,"sentiment":"neutral","sentiment_score":-0.011326458643783222}],"sentiment":"neutral","sentiment_score":-0.025943115006084552,"num_words":25,"start":4300.6396,"end":4308.4},{"sentences":[{"text":"I'm sorry.","start":4308.4,"end":4309.125,"sentiment":"neutral","sentiment_score":-0.050720090046525},{"text":"So, Sergio, you're in high growth, which is more of a four.","start":4309.525,"end":4312.185,"sentiment":"neutral","sentiment_score":-0.019352397318774212},{"text":"And, Angela, you're sitting at more of a three, so you're a little bit lower risk.","start":4312.725,"end":4316.165,"sentiment":"neutral","sentiment_score":0.12883157236501575},{"text":"Do you both feel comfortable with where you're sitting there?","start":4316.165,"end":4318.965,"sentiment":"neutral","sentiment_score":0.040266788005828856},{"text":"You you're you know, with where you are.","start":4318.965,"end":4320.565,"sentiment":"neutral","sentiment_score":0.019263723166659474}],"sentiment":"neutral","sentiment_score":0.04759195573569741,"num_words":48,"start":4308.4,"end":4320.565},{"sentences":[{"text":"So, Sergio, you're taking on higher level of risk, you wanna get greater long term returns, but you also know that when the market hits a down point, that you'll feel those downtimes and that it can be magnified slightly more.","start":4320.565,"end":4332.16,"sentiment":"neutral","sentiment_score":-0.02882222113449399},{"text":"Whereas Angela being more of a three out of a level of five means that you're sort of sitting in the middle.","start":4332.16,"end":4337.6,"sentiment":"neutral","sentiment_score":0.048824596642093224},{"text":"You're taking a little bit less risk in the market.","start":4337.6,"end":4340.215,"sentiment":"neutral","sentiment_score":0.05757665224373341},{"text":"You're still gonna feel the ups and downs, but not as great as someone in that high growth environment.","start":4340.215,"end":4345.915,"sentiment":"neutral","sentiment_score":-0.04038728185390171},{"text":"Does that make sense?","start":4346.055,"end":4346.935,"sentiment":"neutral","sentiment_score":0.08325382228940725}],"sentiment":"neutral","sentiment_score":0.000352640791485707,"num_words":96,"start":4320.565,"end":4346.935},{"sentences":[{"text":"And do each of you have questions, and do you both feel comfortable with that level of risk that you're taking?","start":4346.935,"end":4352.55,"sentiment":"neutral","sentiment_score":0.027321866469546444},{"text":"Yep.","start":4356.3896,"end":4356.8896,"sentiment":"neutral","sentiment_score":0.05948307365179062},{"text":"Yep.","start":4358.3896,"end":4358.79,"sentiment":"positive","sentiment_score":0.3441201150417328},{"text":"Beautiful.","start":4358.79,"end":4359.29,"sentiment":"positive","sentiment_score":0.5927430987358093},{"text":"So to give you a bit of a breakdown on the different portfolios that you're both in.","start":4359.3496,"end":4363.03,"sentiment":"neutral","sentiment_score":0.15460260256248362}],"sentiment":"neutral","sentiment_score":0.10239877382565926,"num_words":41,"start":4346.935,"end":4363.03},{"sentences":[{"text":"So, Sergio, you're in a high growth environment.","start":4363.03,"end":4365.4497,"sentiment":"neutral","sentiment_score":0.09125625994056463},{"text":"So you've got about 90% in those growth investments.","start":4365.75,"end":4369.265,"sentiment":"neutral","sentiment_score":0.07169857290056017},{"text":"So think about Australian shares, international shares, listed property, and then commodities there.","start":4369.325,"end":4374.785,"sentiment":"neutral","sentiment_score":0.044692582809008084},{"text":"With the high growth environment, you expect an annual compounded return of around about eight to 10% on average.","start":4375.245,"end":4382.12,"sentiment":"neutral","sentiment_score":0.06582047653041388},{"text":"So anything over 10% means the portfolio has overperformed.","start":4382.18,"end":4385.64,"sentiment":"neutral","sentiment_score":-0.029842895559138723}],"sentiment":"neutral","sentiment_score":0.05066110010676343,"num_words":58,"start":4363.03,"end":4385.64},{"sentences":[{"text":"Anything under 8% means it has underperformed.","start":4385.8604,"end":4388.3604,"sentiment":"neutral","sentiment_score":-0.07204956987074443},{"text":"But it also means that you're expecting a negative year, generally, about one in every five years.","start":4388.9,"end":4394.9,"sentiment":"neutral","sentiment_score":-0.0947813462904271},{"text":"And this sort of investment portfolio suits someone who has about eight years before they're accessing that their super there.","start":4394.9,"end":4401.385,"sentiment":"neutral","sentiment_score":0.08248789962381124},{"text":"Sergio, are you still comfortable in that kind of environment?","start":4401.605,"end":4404.665,"sentiment":"neutral","sentiment_score":0.12500714436173438},{"text":"Are you happy with that?","start":4404.8047,"end":4405.925,"sentiment":"neutral","sentiment_score":0.16296767592430114}],"sentiment":"neutral","sentiment_score":0.027102337960722082,"num_words":59,"start":4385.8604,"end":4405.925},{"sentences":[{"text":"Did you wanna keep that for another year?","start":4405.925,"end":4407.7646,"sentiment":"neutral","sentiment_score":0.04846678860485554},{"text":"You've sort of scored in that environment and that sort of area, but just making sure that's where you're comfortable.","start":4407.7646,"end":4412.58,"sentiment":"neutral","sentiment_score":0.05092450864613056},{"text":"Yep.","start":4415.7803,"end":4416.2803,"sentiment":"neutral","sentiment_score":0.2523292899131775},{"text":"Beautiful.","start":4416.34,"end":4416.84,"sentiment":"positive","sentiment_score":0.42467159032821655},{"text":"And, Angelo, in that growth environment, you sort of see about 80% in those growth assets.","start":4417.54,"end":4422.5,"sentiment":"neutral","sentiment_score":0.08255150122568011}],"sentiment":"neutral","sentiment_score":0.07400107351334198,"num_words":46,"start":4405.925,"end":4422.5},{"sentences":[{"text":"So, again, those Australian and international shares, property, and commodities like gold and silver.","start":4422.5,"end":4427.72,"sentiment":"neutral","sentiment_score":0.05852183885872364},{"text":"You're expecting around about a seven to 9% as an annual rate of return compounded.","start":4428.495,"end":4433.6353,"sentiment":"neutral","sentiment_score":0.047528217732906344},{"text":"The likelihood of a negative return does occur sort of one in every five years as an expectation, and this sort of portfolio happily suits someone who's got about six years before accessing their super.","start":4434.095,"end":4444.89,"sentiment":"neutral","sentiment_score":-0.010064433834382465},{"text":"So you are taking a bit less risk than where Sergio is, but, admittedly, your balance is also slightly higher than his.","start":4444.89,"end":4451.47,"sentiment":"neutral","sentiment_score":-0.03819693845104088},{"text":"Are you happy in that environment?","start":4451.69,"end":4453.39,"sentiment":"neutral","sentiment_score":0.07934615264336269}],"sentiment":"neutral","sentiment_score":0.008866501040756702,"num_words":92,"start":4422.5,"end":4453.39},{"sentences":[{"text":"Are you happy with that growth area?","start":4453.5303,"end":4455.1304,"sentiment":"neutral","sentiment_score":0.09644859284162521},{"text":"Did you wanna that further?","start":4455.1304,"end":4457.275,"sentiment":"neutral","sentiment_score":0.006423526257276535},{"text":"Mhmm.","start":4476.79,"end":4477.27,"sentiment":"neutral","sentiment_score":-0.04433310776948929},{"text":"Mhmm.","start":4477.27,"end":4477.77,"sentiment":"neutral","sentiment_score":-0.046135105192661285},{"text":"Mhmm.","start":4494.005,"end":4494.325,"sentiment":"neutral","sentiment_score":-0.1820116490125656}],"sentiment":"neutral","sentiment_score":0.0289851946135362,"num_words":15,"start":4453.5303,"end":4494.325},{"sentences":[{"text":"So, realistically, Sergio is when you think about the risk level, is taking a greater level of risk.","start":4494.325,"end":4500.34,"sentiment":"neutral","sentiment_score":-0.3046489829818408},{"text":"He's got a smaller balance.","start":4500.34,"end":4501.8,"sentiment":"negative","sentiment_score":-0.34979761838912965},{"text":"When you're when you have a higher balance, you can take a higher level of risk.","start":4502.26,"end":4507.1396,"sentiment":"neutral","sentiment_score":-0.11211585998535156},{"text":"It's not a problem there.","start":4507.1396,"end":4508.26,"sentiment":"neutral","sentiment_score":0.11546367071568966},{"text":"It's more about your time horizon, how long you have before you're wanting to access those funds.","start":4508.26,"end":4513.815,"sentiment":"neutral","sentiment_score":-0.03587176256320056}],"sentiment":"neutral","sentiment_score":-0.1485086091045962,"num_words":61,"start":4494.325,"end":4513.815},{"sentences":[{"text":"So if you were, say, five years away from accessing your super, I'd be absolutely pulling you back and saying, you know, we need to, you know, not act not take so much risk now.","start":4514.195,"end":4524.855,"sentiment":"negative","sentiment_score":-0.33760443989719663},{"text":"Realistically, with taking more risk in your super, you will feel that more.","start":4526.2803,"end":4530.92,"sentiment":"neutral","sentiment_score":-0.06665866076946259},{"text":"So if you if you both were in the high growth environment or even if you both saw a 5% dip, if you think about your balance as opposed to Sergio's balance, with a 190,000 super, you're gonna feel a 5% drop much greater than Sergio will.","start":4530.92,"end":4546.3047,"sentiment":"neutral","sentiment_score":-0.21025240104249182},{"text":"So it comes down to individual comfort levels.","start":4546.3047,"end":4549.8447,"sentiment":"neutral","sentiment_score":0.02855740301311016},{"text":"I mean, if you think about I work in this industry.","start":4550.1445,"end":4552.4697,"sentiment":"neutral","sentiment_score":0.0771651217205958}],"sentiment":"neutral","sentiment_score":-0.18848513396816297,"num_words":114,"start":4514.195,"end":4552.4697},{"sentences":[{"text":"So if my super got a 5% dip and I had 600 k in super, it wouldn't bother me because I wasn't touching the money.","start":4552.4697,"end":4558.9497,"sentiment":"neutral","sentiment_score":0.01783854514360428},{"text":"I know the market will come back, but it's more of an individual comfort level for each of you.","start":4558.9497,"end":4565.6353,"sentiment":"neutral","sentiment_score":0.14372469876941882},{"text":"Theoretically, we wanna boost, yes, Sergio's balance up as much as possible moving forward as well so that when you both get to retirement, if you've got balances that are fairly even, then we can be drawing income fairly evenly.","start":4565.6353,"end":4580.01,"sentiment":"positive","sentiment_score":0.371732858940959},{"text":"Whereas if we get to retirement and your balance is higher than Sergio's, we'll probably take more from your super to supplement so we can kind of keep them dropping on an even keel.","start":4580.4097,"end":4590.17,"sentiment":"neutral","sentiment_score":0.1455635112874648},{"text":"Does that make sense?","start":4590.17,"end":4591.3096,"sentiment":"neutral","sentiment_score":-0.0667113084346056}],"sentiment":"neutral","sentiment_score":0.18629804436789185,"num_words":122,"start":4552.4697,"end":4591.3096},{"sentences":[{"text":"Yeah.","start":4595.095,"end":4595.335,"sentiment":"neutral","sentiment_score":0.05779486149549484},{"text":"Yeah.","start":4595.335,"end":4595.835,"sentiment":"neutral","sentiment_score":-0.037078358232975006},{"text":"Yep.","start":4601.7354,"end":4602.2354,"sentiment":"neutral","sentiment_score":0.14804404973983765},{"text":"Yep.","start":4602.375,"end":4602.875,"sentiment":"neutral","sentiment_score":0.18913011252880096},{"text":"That's that's the goal.","start":4606.455,"end":4607.67,"sentiment":"positive","sentiment_score":0.4474848434329033}],"sentiment":"neutral","sentiment_score":0.26847875490784645,"num_words":8,"start":4595.095,"end":4607.67},{"sentences":[{"text":"Definitely.","start":4607.67,"end":4608.17,"sentiment":"positive","sentiment_score":0.5423314571380615},{"text":"Yeah.","start":4608.71,"end":4609.19,"sentiment":"neutral","sentiment_score":0.31058627367019653},{"text":"The income does definitely come into it as well.","start":4609.19,"end":4611.59,"sentiment":"neutral","sentiment_score":0.33022793796327377},{"text":"So because your income is technically higher, your contributions are also higher there as well.","start":4611.59,"end":4617.53,"sentiment":"neutral","sentiment_score":0.17765294263760248},{"text":"Would either of you be comfortable looking at maybe salary sacrificing or adding more money into super to provide a greater boost to retirement income, or are you sort of hoping to look at the the property side first?","start":4618.15,"end":4629.915,"sentiment":"neutral","sentiment_score":0.16051209469636282}],"sentiment":"neutral","sentiment_score":0.19614976931076783,"num_words":65,"start":4607.67,"end":4629.915},{"sentences":[{"text":"What would you feel?","start":4629.915,"end":4630.975,"sentiment":"neutral","sentiment_score":0.06258207838982344},{"text":"Mhmm.","start":4651.395,"end":4651.895,"sentiment":"neutral","sentiment_score":0.08857414126396179},{"text":"Yeah.","start":4652.6753,"end":4653.1753,"sentiment":"neutral","sentiment_score":0.04684445634484291},{"text":"Yeah.","start":4654.115,"end":4654.595,"sentiment":"neutral","sentiment_score":0.09707584232091904},{"text":"So in the area that Sergio does work, they do have that salary packaging side of things.","start":4654.595,"end":4659.735,"sentiment":"neutral","sentiment_score":0.07091712579131126}],"sentiment":"neutral","sentiment_score":0.07035057883088787,"num_words":24,"start":4629.915,"end":4659.735},{"sentences":[{"text":"But most employers will also offer an option where they can increase contributions from your payroll into your super, and that's sort of more salary sacrificing.","start":4660.35,"end":4670.5303,"sentiment":"neutral","sentiment_score":0.034724026918411255},{"text":"The alternative is you can do it from your bank account.","start":4671.15,"end":4673.79,"sentiment":"neutral","sentiment_score":0.13378268073905597},{"text":"It doesn't have be done through your payroll.","start":4673.79,"end":4675.665,"sentiment":"neutral","sentiment_score":0.08367322059348226},{"text":"You can always do deductible contributions where you're putting money from your bank account into your super.","start":4676.445,"end":4683.005,"sentiment":"neutral","sentiment_score":0.2053022787851446},{"text":"And then at the end of the financial year, we claim a a notice of intent, and that can also provide a bit of a tax deduction for you as well.","start":4683.005,"end":4690.8896,"sentiment":"neutral","sentiment_score":0.24351844119448815}],"sentiment":"neutral","sentiment_score":0.15143043407669632,"num_words":93,"start":4660.35,"end":4690.8896},{"sentences":[{"text":"But doing it that way means you've just gotta be a little bit more comfortable putting the money in on a regular basis from your bank account.","start":4691.75,"end":4698.3096,"sentiment":"neutral","sentiment_score":0.13398248067608587},{"text":"So it does require a little bit more, you know, continue out continuity there, wanting to put that in from your bank account because it's very easy to dismiss one or two here and there and stop doing it.","start":4698.3096,"end":4710.655,"sentiment":"neutral","sentiment_score":-0.018170165423399363},{"text":"But it's also your comfort level.","start":4711.195,"end":4712.795,"sentiment":"neutral","sentiment_score":0.3112523506085078},{"text":"You can hold off and see where things are next year, and we can always look at it again in a year or two's time.","start":4712.795,"end":4718.955,"sentiment":"neutral","sentiment_score":0.2924198067188263},{"text":"It's more up to what your preference is for each of you.","start":4718.955,"end":4723.04,"sentiment":"neutral","sentiment_score":0.31301020085811615}],"sentiment":"neutral","sentiment_score":0.14534882760239304,"num_words":109,"start":4691.75,"end":4723.04},{"sentences":[{"text":"Yeah.","start":4726.94,"end":4727.44,"sentiment":"positive","sentiment_score":0.3463277220726013},{"text":"That's okay.","start":4729.66,"end":4730.3003,"sentiment":"positive","sentiment_score":0.44291408360004425},{"text":"We're happy just to hold off on the salary sacrificing and additional contributions for the time being.","start":4730.3003,"end":4735.125,"sentiment":"positive","sentiment_score":0.4344158856307759},{"text":"Yep.","start":4738.885,"end":4739.385,"sentiment":"neutral","sentiment_score":0.1241912767291069},{"text":"Yep.","start":4741.845,"end":4742.345,"sentiment":"neutral","sentiment_score":0.209166020154953}],"sentiment":"positive","sentiment_score":0.40684469281272456,"num_words":22,"start":4726.94,"end":4742.345},{"sentences":[{"text":"Absolutely.","start":4744.165,"end":4744.665,"sentiment":"positive","sentiment_score":0.6438390016555786},{"text":"Perfect.","start":4745.365,"end":4745.865,"sentiment":"positive","sentiment_score":0.6562433242797852},{"text":"Well, just to kind of recap, I'll send an email shortly just with the information around the the insurance side of things to each of you, what you have, but then a little bit of information around the different insurances to kinda give you both a bit of a a follow-up on the call that we've had.","start":4745.925,"end":4760.98,"sentiment":"neutral","sentiment_score":0.13880759791324013},{"text":"And then just with the advice aspect, I'll do a joint advice document just assessing the super and the in the portfolios that you're in to replace any underperforming investments and look at what we can do over the next five to ten years to sort of provide that booster.","start":4761.6797,"end":4776.8047,"sentiment":"neutral","sentiment_score":0.14572292387485505},{"text":"And then I'll also incorporate the estate planning, so just making sure beneficiaries are all paid to each of you in the event that something happens to each of you.","start":4777.7446,"end":4786.0503,"sentiment":"neutral","sentiment_score":0.1829615816473961}],"sentiment":"neutral","sentiment_score":0.15818064064859486,"num_words":139,"start":4744.165,"end":4786.0503},{"sentences":[{"text":"And for yourself, Angela, I would just also include the income protection.","start":4786.75,"end":4791.65,"sentiment":"neutral","sentiment_score":0.11318458368380864},{"text":"So looking to increase income protection benefits for you.","start":4791.71,"end":4794.75,"sentiment":"neutral","sentiment_score":0.11748956640561421},{"text":"Does that sound accurate?","start":4794.75,"end":4795.845,"sentiment":"neutral","sentiment_score":0.08293070271611214},{"text":"Have I missed anything there at all?","start":4795.9253,"end":4797.865,"sentiment":"neutral","sentiment_score":-0.0459317011492593},{"text":"No?","start":4799.285,"end":4799.785,"sentiment":"neutral","sentiment_score":-0.03447805717587471}],"sentiment":"neutral","sentiment_score":0.07246496810606032,"num_words":33,"start":4786.75,"end":4799.785},{"sentences":[{"text":"Fantastic.","start":4800.0854,"end":4800.5854,"sentiment":"positive","sentiment_score":0.4414757490158081},{"text":"And I'll get the email for this broker.","start":4800.725,"end":4802.825,"sentiment":"neutral","sentiment_score":0.1101233595982194},{"text":"Yeah.","start":4803.0454,"end":4803.5254,"sentiment":"neutral","sentiment_score":0.06696507334709167},{"text":"Sorry.","start":4803.5254,"end":4804.0254,"sentiment":"neutral","sentiment_score":0.0931675136089325},{"text":"Excellent.","start":4805.9253,"end":4806.4253,"sentiment":"positive","sentiment_score":0.5758918523788452}],"sentiment":"neutral","sentiment_score":0.17154058876136938,"num_words":12,"start":4800.0854,"end":4806.4253},{"sentences":[{"text":"Now the only other thing I need to do is just to book you in for a quick pre assessment with my admin team member.","start":4806.4854,"end":4811.3853,"sentiment":"neutral","sentiment_score":0.14099462062120438},{"text":"Is there a day or I know afternoons generally suit better for yourself.","start":4811.99,"end":4815.91,"sentiment":"neutral","sentiment_score":0.06990374166231889},{"text":"Is there a day that would prefer just to run through that?","start":4815.91,"end":4818.23,"sentiment":"neutral","sentiment_score":0.07482117942223947},{"text":"It only takes about sort of five to ten minutes.","start":4818.23,"end":4820.5703,"sentiment":"neutral","sentiment_score":0.09603250995278359},{"text":"That's okay.","start":4828.2446,"end":4829.065,"sentiment":"neutral","sentiment_score":0.08519754931330681}],"sentiment":"neutral","sentiment_score":0.1042288469090577,"num_words":62,"start":4806.4854,"end":4829.065},{"sentences":[{"text":"Okay.","start":4832.645,"end":4833.125,"sentiment":"neutral","sentiment_score":0.10310117900371552},{"text":"Perfect.","start":4833.125,"end":4833.625,"sentiment":"neutral","sentiment_score":0.17018821835517883},{"text":"So, absolutely.","start":4833.8447,"end":4838.34,"sentiment":"neutral","sentiment_score":0.1621592901647091},{"text":"What if we make it nice and easy?","start":4838.34,"end":4840.1,"sentiment":"neutral","sentiment_score":0.24696723744273186},{"text":"Is it okay if I was to book that one in, per se, this Wednesday at 04:00 for you?","start":4840.1,"end":4845.46,"sentiment":"neutral","sentiment_score":0.07171707031758208}],"sentiment":"neutral","sentiment_score":0.12696678107303958,"num_words":31,"start":4832.645,"end":4845.46},{"sentences":[{"text":"Would that be at all okay?","start":4845.46,"end":4846.84,"sentiment":"neutral","sentiment_score":0.10449622695644696},{"text":"Yep.","start":4848.58,"end":4848.98,"sentiment":"positive","sentiment_score":0.5632169842720032},{"text":"Be fantastic.","start":4848.98,"end":4850.36,"sentiment":"positive","sentiment_score":0.8172408640384674},{"text":"Yeah.","start":4850.6597,"end":4850.9,"sentiment":"neutral","sentiment_score":0.24675986170768735},{"text":"I'll add a little text message reminder there for you.","start":4850.9,"end":4853.595,"sentiment":"neutral","sentiment_score":0.22758688032627106}],"sentiment":"neutral","sentiment_score":0.2673652369529009,"num_words":20,"start":4845.46,"end":4853.595},{"sentences":[{"text":"My admin team member, Samantha, will give you a call.","start":4853.915,"end":4856.555,"sentiment":"neutral","sentiment_score":0.170195472240448},{"text":"She'll just run through the pre assessment and then send it to me so I can assess that as part of the advice document for you, and then we can get that all ready to go.","start":4856.555,"end":4865.595,"sentiment":"neutral","sentiment_score":0.22611969833572707},{"text":"Does sound okay with you?","start":4865.595,"end":4869.62,"sentiment":"neutral","sentiment_score":0.2908445358276367},{"text":"And what I might also do is I might also just because you guys prefer an afternoon appointment, rebooking your advice presentation for a few weeks as well, just so we because afternoons do book up really quickly.","start":4869.62,"end":4883.415,"sentiment":"neutral","sentiment_score":0.11099883933600627},{"text":"So to make sure we get you both in, the next afternoon available I actually work, late on Thursday afternoons.","start":4883.555,"end":4892.935,"sentiment":"neutral","sentiment_score":0.051287897117435935}],"sentiment":"neutral","sentiment_score":0.15174495760317241,"num_words":109,"start":4853.915,"end":4892.935},{"sentences":[{"text":"Would maybe Thursday, September 10 suit either of you?","start":4893.39,"end":4897.47,"sentiment":"neutral","sentiment_score":0.021018984106679756},{"text":"Or Yeah.","start":4897.47,"end":4901.87,"sentiment":"neutral","sentiment_score":0.009461176116019487},{"text":"Otherwise otherwise, I could do the week before.","start":4901.87,"end":4905.0103,"sentiment":"neutral","sentiment_score":0.01758632657583803},{"text":"Yep.","start":4905.23,"end":4905.47,"sentiment":"neutral","sentiment_score":0.07433059811592102},{"text":"Yep.","start":4905.47,"end":4905.79,"sentiment":"neutral","sentiment_score":0.168770894408226}],"sentiment":"neutral","sentiment_score":0.028185014967762288,"num_words":21,"start":4893.39,"end":4905.79},{"sentences":[{"text":"Beautiful.","start":4905.79,"end":4906.29,"sentiment":"positive","sentiment_score":0.5999370813369751},{"text":"Fantastic.","start":4908.165,"end":4908.665,"sentiment":"positive","sentiment_score":0.5830530524253845},{"text":"I can do so we can do sort of 04:30 like we did today, or I can make it 05:00 for you.","start":4908.8047,"end":4914.405,"sentiment":"neutral","sentiment_score":0.11763084578243169},{"text":"What would be your preference?","start":4914.405,"end":4915.7847,"sentiment":"neutral","sentiment_score":0.05062449723482132},{"text":"Yeah.","start":4920.405,"end":4920.81,"sentiment":"neutral","sentiment_score":0.06304281949996948}],"sentiment":"neutral","sentiment_score":0.13623446822166443,"num_words":30,"start":4905.79,"end":4920.81},{"sentences":[{"text":"Yep.","start":4927.93,"end":4928.43,"sentiment":"neutral","sentiment_score":0.07371002435684204},{"text":"Yeah.","start":4929.0503,"end":4929.5503,"sentiment":"neutral","sentiment_score":0.11217834055423737},{"text":"Fantastic.","start":4931.21,"end":4931.71,"sentiment":"positive","sentiment_score":0.602584719657898},{"text":"So I'll book that one in there for you for the September 10.","start":4931.93,"end":4934.75,"sentiment":"neutral","sentiment_score":0.28628801038632024},{"text":"That's at 5PM there.","start":4935.475,"end":4937.3154,"sentiment":"neutral","sentiment_score":0.22050004824995995}],"sentiment":"neutral","sentiment_score":0.269610870629549,"num_words":20,"start":4927.93,"end":4937.3154},{"sentences":[{"text":"Easy done.","start":4937.3154,"end":4938.115,"sentiment":"positive","sentiment_score":0.47305938601493835},{"text":"That's all booked.","start":4938.115,"end":4939.1753,"sentiment":"positive","sentiment_score":0.35522963603337604},{"text":"That way, you've got that time slot for the advice presentation.","start":4939.3154,"end":4942.455,"sentiment":"neutral","sentiment_score":0.2180556607517329},{"text":"We'll go things through things together, and then you'll have some time to read it over there as well.","start":4942.595,"end":4947.955,"sentiment":"neutral","sentiment_score":0.2197348538197969},{"text":"In the meantime, I'll get those other aspects done, and that email will come out to the mortgage broker very shortly for you both.","start":4947.955,"end":4954.0796,"sentiment":"neutral","sentiment_score":0.18670635763555765}],"sentiment":"neutral","sentiment_score":0.22146330091912866,"num_words":59,"start":4937.3154,"end":4954.0796},{"sentences":[{"text":"Okay?","start":4954.0796,"end":4954.5796,"sentiment":"neutral","sentiment_score":0.15753871202468872},{"text":"Fantastic.","start":4956.56,"end":4957.06,"sentiment":"positive","sentiment_score":0.7292964458465576},{"text":"That's okay.","start":4957.5996,"end":4958.32,"sentiment":"neutral","sentiment_score":0.17721663415431976},{"text":"Is there anything I may not have missed or any other questions that either of you had that you thought maybe I should that you wanted to ask me while you've got me here at all.","start":4958.32,"end":4965.935,"sentiment":"neutral","sentiment_score":0.08550838029219045},{"text":"I'm so sorry.","start":4965.935,"end":4966.5747,"sentiment":"neutral","sentiment_score":-0.20139935115973154}],"sentiment":"neutral","sentiment_score":0.08640400147022204,"num_words":43,"start":4954.0796,"end":4966.5747},{"sentences":[{"text":"We have gone through quite a lot already.","start":4966.5747,"end":4968.435,"sentiment":"neutral","sentiment_score":-0.24281646683812141},{"text":"Nope.","start":4972.735,"end":4973.235,"sentiment":"neutral","sentiment_score":-0.020553313195705417},{"text":"Yep.","start":4975.375,"end":4975.71,"sentiment":"neutral","sentiment_score":0.054753582924604416},{"text":"Absolutely.","start":4979.63,"end":4980.13,"sentiment":"neutral","sentiment_score":0.29334643483161926},{"text":"Yeah.","start":4980.27,"end":4980.59,"sentiment":"neutral","sentiment_score":0.2244349718093872}],"sentiment":"neutral","sentiment_score":-0.11587917152792215,"num_words":12,"start":4966.5747,"end":4980.59},{"sentences":[{"text":"Absolutely.","start":4980.59,"end":4981.07,"sentiment":"neutral","sentiment_score":0.3184506297111511},{"text":"I'll also send you that email so you'll have my email address so you can always reply back with anything that you need.","start":4981.07,"end":4986.19,"sentiment":"neutral","sentiment_score":0.18858746795550638},{"text":"Or if you'd need another time, just let me know.","start":4986.19,"end":4988.43,"sentiment":"neutral","sentiment_score":0.09703805521130562},{"text":"Not a problem at all.","start":4988.43,"end":4989.71,"sentiment":"neutral","sentiment_score":0.270276939868927},{"text":"Okay?","start":4989.71,"end":4990.21,"sentiment":"neutral","sentiment_score":0.16807208955287933}],"sentiment":"neutral","sentiment_score":0.1786449933424592,"num_words":40,"start":4980.59,"end":4990.21},{"sentences":[{"text":"The excellent.","start":4991.565,"end":4992.205,"sentiment":"positive","sentiment_score":0.71173495054245},{"text":"The only other thing to let you know is that the the ongoing service agreement is in that annual review pack there for you.","start":4992.205,"end":4997.965,"sentiment":"neutral","sentiment_score":0.24102558754384518},{"text":"So you do both pay an ongoing service fee.","start":4997.965,"end":5000.205,"sentiment":"neutral","sentiment_score":0.14688653333319557},{"text":"It's 1.10% at the moment as you're a couple onboarded together.","start":5000.205,"end":5004.625,"sentiment":"neutral","sentiment_score":0.1689268025484952},{"text":"If I can just get you both to sign and return those back for us, that just allows us to continue providing our services and updating advice for you moving forward.","start":5005.21,"end":5013.39,"sentiment":"neutral","sentiment_score":0.26861315148492015}],"sentiment":"neutral","sentiment_score":0.24305539384677813,"num_words":77,"start":4991.565,"end":5013.39},{"sentences":[{"text":"Okay?","start":5013.61,"end":5014.11,"sentiment":"neutral","sentiment_score":0.07109960913658142},{"text":"That's that's the one the signature required.","start":5019.995,"end":5022.235,"sentiment":"neutral","sentiment_score":0.013938490700508867},{"text":"Yes.","start":5022.235,"end":5022.555,"sentiment":"neutral","sentiment_score":0.1081434041261673},{"text":"So you'll both have one in your emails.","start":5022.555,"end":5024.555,"sentiment":"neutral","sentiment_score":0.16443373449146748},{"text":"If you both can just pop in there and sign and return that back for me, that would be fabulous.","start":5024.555,"end":5028.735,"sentiment":"neutral","sentiment_score":0.3318873532116413}],"sentiment":"neutral","sentiment_score":0.2224332267116453,"num_words":37,"start":5013.61,"end":5028.735},{"sentences":[{"text":"Okay.","start":5029.115,"end":5029.615,"sentiment":"neutral","sentiment_score":0.2641604542732239},{"text":"Fantastic.","start":5031.85,"end":5032.01,"sentiment":"positive","sentiment_score":0.8109731078147888},{"text":"Thank you so much for your time.","start":5032.01,"end":5033.37,"sentiment":"positive","sentiment_score":0.8543314933776855},{"text":"I really appreciate it.","start":5033.37,"end":5034.65,"sentiment":"positive","sentiment_score":0.818634644150734},{"text":"I and tell Sergio thank you.","start":5034.65,"end":5036.33,"sentiment":"positive","sentiment_score":0.6613586048285166}],"sentiment":"positive","sentiment_score":0.7525339063845182,"num_words":19,"start":5029.115,"end":5036.33},{"sentences":[{"text":"I hope you both have a lovely afternoon.","start":5036.33,"end":5038.27,"sentiment":"positive","sentiment_score":0.7152846083045006},{"text":"My pleasure.","start":5041.4497,"end":5042.27,"sentiment":"positive","sentiment_score":0.49913154542446136},{"text":"Will do.","start":5042.33,"end":5042.73,"sentiment":"positive","sentiment_score":0.43537937104701996},{"text":"Thanks, Angela.","start":5042.73,"end":5043.61,"sentiment":"positive","sentiment_score":0.533508837223053},{"text":"Talk soon.","start":5043.61,"end":5044.17,"sentiment":"positive","sentiment_score":0.37653449177742004}],"sentiment":"positive","sentiment_score":0.5882115848362446,"num_words":16,"start":5036.33,"end":5044.17},{"sentences":[{"text":"See you later.","start":5044.17,"end":5044.9897,"sentiment":"neutral","sentiment_score":0.2770471175511678},{"text":"Bye.","start":5045.61,"end":5046.11,"sentiment":"neutral","sentiment_score":-0.035583119839429855}],"sentiment":"neutral","sentiment_score":0.1988895582035184,"num_words":4,"start":5044.17,"end":5046.11}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Good. Thank you. How are you? Yeah. Yeah. That's that's a great idea. Yep. Mhmm. Yes. That's fine. Yeah. My name is Angela Suarez Teran. Date of birth, seventeen eleven nineteen eighty four. Address is 9 Stroke 49 Cambridge Street, Oxley Park 2760. I'm I'm I'm able to open my emails on my phone. Yeah. Dana. Yep. Mhmm. Yep. I can see. So just open the where it says sign documents? Or Yep. I can see them. Yeah. It's separated. I've just opened it. Yes. That's mine. That's okay. Mhmm. Uh-huh. Oh, wow. Yeah. Uh-huh. Uh-huh. Yes. Yep. Mhmm. Yeah. Mhmm. Yeah. Uh-huh. Yep. Mhmm. Yeah. No. I'm comfortable with that too. Yeah. So no. It's good that you've explained that. So yeah. Yeah. That'll be great. No. No. No. That's that's good now. You've been really detailed, so that's good now. Mhmm. No. No. Probably something like yeah. Maybe someone some another company like Ben Along maybe. Because I think, yeah, I wanted to be a little bit just not too aggressive in in the best of investment, but maybe see in between. So not so much passive, but in between. Yeah. Yep. Mhmm. Yeah. Yeah. That's still yeah. I'll go. Yeah. Mhmm. Mhmm. Mhmm. Mhmm. Yes. No. No. It makes sense because yeah. No. At the moment, I don't have any questions. But if I do, I'll I can always ring up ring back and ask. Yeah. Mhmm. Yep. Yeah. Mhmm. Yeah. Mhmm. Sorry. I'm so sorry. Yep. So, guys, can you just keep us down? No. It's just my son just talking. So but Sergei is home. Yes. He's just gotten home. No. No. Sergei's come home, and my son's just telling him about his day. All. Sorry. Yeah. Mhmm. Mhmm. Mhmm. No. I think it's just to me, you know, I'm happy with anything over 100, so that's really good. And it's just to make sure that they are comfortable or can get on their feet until they find their feet too. So yeah. Mhmm. Yeah. Yes. Yeah. I think, yeah, look, I've got my daughter too. You know, she she works too. So, yeah, I I don't think I mean, nobody really knows, but, like, I I don't think like, right now, this disabilities is a priority. And if something was to happen, I think the two of us or the three of well, all three of us could manage to pay bills or get around again. Mhmm. Mhmm. Okay. Mhmm. Okay. Yeah. That's fine. Thank you. Mhmm. Sickly. Yeah. Not so much long service leave, but annual leave, I'd have to. So yeah. Sorry. Did that correct me if I'm wrong. That income protection would be the ninety days waiting and five years benefit. So does that mean that it goes for five years? Or Yep. Right. Right. Mhmm. Yeah. Right. Yep. Mhmm. I think I should be yeah. Like, if there was an increase, what would that look like? Like, if you were like, oh, okay. I wanted to maybe go up to 1,300, for example, or one thousand five 100. Right. Mhmm. Yeah. Just just to see what it looks like. And then, I mean, that would be our option as to going ahead and right. Like, if if we like that quote, then we'll go ahead with it. If not, we just kinda leave it. Is that right? Okay. Mhmm. Yeah. Completely. Mhmm. Okay. No. That's alright. Look, from the top of my head, I'm pretty sure they didn't wanna give me coverage. But some I can't remember why. Like, jail coverage, I can't remember. Like, I'm just this is vaguely remembering some stuff. Yeah. Yeah. Yeah. Yeah. That'll be great. Mhmm. Look. Honestly, I think one try because it's monthly, isn't it? I just realized that. Yeah. Have a look. If you could have a look and see if you can get the the maximum. If not, anything over 1,000 is is already helpful. Yeah. Mhmm. No. Mhmm. I think probably increasing the protection, but I'm happy with just the the protection at the moment as opposed to adding the mental. Yes. Yes. Yes. None. None. We have two, but, I mean, they're already much older. I mean, my oldest is 21, and and the youngest is just 14. 14. Yeah. Yes. Yes. That's right. Okay. I think I'm in a very trialing stage right now. I can tell you that that's for sure. I think a lot of hormones there's a lot of hormone hijacking. So you're working a lot with those hormones, and I think it's just being patient. I think that's my best advice I can give you. That's right. I mean, I had such a beautiful textbook. I mean, she still is quite as beautiful, but very textbooky. You know? This is what happens in puberty. She was very textbook. And then I've never you know, then you had the boy and you're like, woah. So at the moment, it's a big roller coaster and and very trialing. Thank you. Mhmm. Yes. Mhmm. Mhmm. Fantastic. Yep. Thank you. Mhmm. No. It's still the same, I think. No. That's still possible. That's still yeah. Still possible. Yep. Yep. That's still correct. It should be a Kia Sportage. Oh, I think that's what we have for, like, insured. Like, if it if there was something to happen, yeah, that's what we'd yeah. We have it insured as market value, I think. So I don't know whether it's at 32. Yeah. Yes. We still do. I think you've been able to do so. I'm just gonna ask my husband. Sorry. What did sorry, Dana. What what was did you have on record? How much it was again? 25. It it should be down there, shouldn't it? Well, I would honestly, I can't remember because what we what we did last year is we what's the word? No. I can't remember. It's at the tip of my tongue. So when we yes. That's it. We consolidated into all our loans. So we've got two state loans. So that's so I'm gonna say maybe it's about 20 now. Yep. My husband is trying to go on to the app, but I've got I've lost access to it. So yeah. Well, I forgot the password. So but do you know how much the home loan ended up being altogether altogether when we when we did the when we did the refinancing. With the car loan and everything. Car loan wasn't that much? That. Here. Yes. Hold on. Oh, I can't really I can't remember. I'm so sorry, Dana. I'm trying to I I think for both cars, roughly around twenty five days. So my husband was saying for both the cars, he reckons it's about 25 for both cards because we consolidated both cards. Yeah. Yeah. Yes. I think so. Yeah. Yeah. I was on the side of it. It's not together. He drives a Toyota Corolla hatchback. What was the value that you can put on your on the car now? It's still market value, but I don't know. We we do put it at market value. So, yeah, it depends on what it's worth now, I guess. Yeah. Yep. What year and model is it? I think 2016. 2016? It it's give or take 2015, 2016, one of those that and it's a Toyota Corolla hatchback. Yeah? I think it's just a standard. I don't think it's a sports. Mhmm. No. We don't. Mhmm. No. Everything everything in the household. And maybe the clothes? Yeah. It's including the clothing, jewelry, house, like, appliance, television, and everything. Oh, I don't know. Yeah. Yeah. Yeah. Yeah. Yeah. I'm just I'm the 15,000. Yeah. I was gonna say between 5 to 10,000, but that that might be very good. Wow. Really? Oh, gosh. Oh, well. Oh, this this goes to show how much we work out. We value our stuff. Okay. So probably just maybe something in between there then, Dana, only because that's an average thing, isn't it? Yeah. Yeah. Oh, so I I've just had a look. I've been able to log in to the little app for my for my loan. It says loan amount, 561.730. 561. 561. Sorry. Mhmm. Yes. Yeah? Hello? Good. Good. Nice to meet you too. Yeah. Not bad. Yep. That's the one. 08/01/1984, Line 49 Strike 49, Cambridge Street, Oxley Park. Yes. I was. It was good. Thank you. No. Just give me the information. I know. No. I'm comfortable. Whatever you guys decide, as long as it's it's the best for me in the future, that's all that matters. Yeah. No. No. I'm staying the same. Yeah. Yeah. Yeah. Yeah. If I you know, I'll just put it there. I don't know when I can retire in that time or not. Yeah, I would I would love to, you know, to retire by that age. Mhmm. Hang on here. Let me ask him a while. Okay. Yeah. Oh, yes. Yes. We're all here. We're both here. That's okay. Uh-huh. No. That's alright. Oh, no. I think we can have both the same or yeah. Yes. Mhmm. Mhmm. Mhmm. Yeah. I'm happy with that. Yeah. Okay. Yeah. Yeah. That's fine. Mhmm. I'm happy with that. Yeah. Yes. So if I yeah. If I've passed away, I've yeah. To Sergio. Is is that what you're saying? What about in the event that we both pass or something happens to both of us? Mhmm. No. We haven't. Uh-huh. Yeah. Mhmm. Okay. Uh-huh. Yep. K. Uh-huh. Yeah. Yep. Mhmm. Mhmm. Yeah. Yeah. No. That makes sense. But on record, do you have any beneficiaries down? Okay. Which one is, like, not complicated? So that's a 100 percent, like, to the kids? Oh. Mhmm. Uh-huh. Yes. Mhmm. Right. Yeah. Yeah. Yeah. Yeah. Yep. No. That makes sense. Yeah. Yeah. Yeah. Yeah. Look. I think the easiest way honestly, I think the easiest way is for it to go to the partner and then the partner just divide it there. I yeah. I think when we planned for the for it to go to the kids, I think our mind was if we both were to go. So then, you know, both the kids would get $50.50. I think that's probably why we said for the both the kids. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. No. That makes perfect sense. So yeah. Can we just change it to just that it's or direct to fill out a form or what happens there? Yeah. Mhmm. Mhmm. Yep. Yeah. That'll be great. Okay. I don't know. Maybe for now, I just stay that's okay. Yeah. I think so. Okay. No worries. Nice. I think 1,000 a week. Yeah. No. No. Yeah. Yeah. Because my work is up and down up and down. It's not the same all the time. So, yeah, sometimes it might go to 60, 62, and then maybe maybe next year different. Yeah. No. No. Yep. Three yeah. 3 something a month. Yeah. I think so. Yeah. That'll be great. Thank you. Yeah. That's fine. Yes. I think so. Yeah. Yes. Yes. Yeah. I think it was for the each of us. So 1,000 for Sergio, 1,000 for myself. I think if it was combined, I think I mean, with the cost of living of everything that's happening now, I mean, combined to live off 1,000 might be a little bit tight. Yeah. Yes. Yes. Yeah. Yeah. Yep. That's why I think also why we've reached out to you. Yeah. I'm just happy with the one at the moment. Just because I heard a lot of thing about, like, people using the super or the equity of the the house to buy another Property. Investment of property. And so I I just wanna know How can we go about that? Oh, it's on the Speak. Hello, Jane. I'm sorry. Can you hear me? I'm so sorry. It tapped out because my daughter took my car, and the the the the Bluetooth jumped onto the car. I'm so sorry. I'm so sorry. Yes. Yes. Yeah. And, like, we obviously, we wanted to know our options because, like, if it's going to kind of, you know, limit our so, like, we obviously wanna retire at 60, but if we were going to go and do this investment property, does it gonna is it gonna extend our retirement age to, you know, an additional ten years or an additional five years or whatever it may be or those kinds of folks. Yeah. Mhmm. Mhmm. No. Mhmm. Mhmm. Uh-huh. No. Yeah. Mhmm. Yeah. Yeah. No. No. It does make sense. Yeah. Oh, it's a bit of a train. So yeah. Yeah. Mhmm. Mhmm. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. If we can make a if he can refer us to a mortgage broker, that'll be great. So, you know, the those kinds of questions we have and he can give us or they can give us some some options, I guess. And, you know, because, yes, my daughter is 20 one. Yes. We would like for her to get her, you know, her put in the in the market. So then I kind of give finding out those options too. And then that way she can also hear hear it too. Yeah. Mhmm. Yeah. Yep. Mhmm. Yeah. Mhmm. Yes. Come on. Mhmm. Yeah. That's fine. No. That's okay. Mhmm. Yeah. No. That makes perfect sense. No. That's fine. Mhmm. Mhmm. Yeah. That's fine. No. I think you've answered or you've referred us to, you know, to get more information. But no. Thank you so much. Yeah. We've had all our answers all our questions answered today. Yep. Mhmm. K. So one to two years, you said? One to two years, twenty but dropped by 20%. Yeah? Yeah. I'd probably I wouldn't jump yet, but I'd start like, I'd be toying with the idea of maybe seeing if we can move the investments to other other companies. Yes. Yes. Yes. A 100%. Yes. Yep. How would you think? I think you'd be the same too. K. If it if it went if the market went up oh, sorry. The market went down by 20% and the share in one to two years. So what would you do? 100 percent. I'll just do it the same. He'd probably yeah. I reckon he'd probably contact same same as myself, contact you guys and say, hey. Is there a way of maybe maneuvering it to kind of compensate for it? Yeah? Is that right? Yep. Yep. Alright. Go ahead. Yes. Yes. So yeah. We're still we're still so comfortable with that risk. Yeah. Yeah. Excellent. No. I'm comfortable with that. So, like, if so usually, would you if you have a higher balance, would you be more aggressive? Or because, like, I thought, well, I think what we thought was if one's aggressive, one's not, and then, you know, one's kind of, you know, in the middle balanced, then, you know, one we're taking the risk of one, you know, investing more. But because I've got more of, like, higher balance, should I be the one that's more risky? Yeah. Okay. Uh-huh. Mhmm. Mhmm. Yeah. Yeah. Yeah. That's that's what we were thinking too. If Sergio can then at least come if he's more aggressive, then he can his balance can come up possibly that and it would be the same at retirement. Yeah. Yeah. It was an option. So I think we've considered it, but I think Sergio's work doesn't their their isn't salary sacrifice or salary packaging, I think. So that but then that that doesn't matter. You can kind of just make it so that you can discuss with with payroll and they can just put that money in, can't you? Like, it doesn't necessarily yeah. Yeah. Things side of things. Yeah. Yeah. Yeah. Well, there's probably a lot of things to consider. But, yes, thank you very much. Yeah. Yeah. Just for the time being, but it's something that, like, we have discussed before. But yeah. Mhmm. Mhmm. Mhmm. No. No. Thank you. Oh, an an emoji. Yeah. That's alright. Yes. Yeah. So I can do either okay. Hang on. Hang on. When do you so I can do any day after four or three thirty, like yeah. Or 03:30 between 03:30, 04:00. Happy Halloween Yeah. That's fine. You're Spanish. Mhmm. Yeah. That's fantastic. Mhmm. It's on the September 10. Would that suit you for Instagram? Yep. Yeah. That's fine. I think 05:00 would would be best. That way it gives like, I mean, I finish a little bit earlier, but gives Sergio time to get home, I guess, and and then we can, you know, do that. Mhmm. Excellent. Yeah. Thank you so much. That's okay. No. I can't think of anything else. But if I do, when I'll write it down, and then maybe I could we could talk about it on the the tenth if if need be. Yeah. Alright. Mhmm. Sure. What is that going to be via email? Is that the one that says signature required? Okay. Mhmm. Alright. Fantastic. Same to you. Thank you so much, Janeile. You take care. Bye bye. 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Hello? Good. Thank you. How are you?\n\nYeah. Yeah. That's that's a great idea. Yep. Mhmm.\n\nYes. That's fine. Yeah. My name is Angela Suarez Teran. Date of birth, seventeen eleven nineteen eighty four.\n\nAddress is 9 Stroke 49 Cambridge Street, Oxley Park 2760. I'm I'm I'm able to open my emails on my phone. Yeah. Dana. Yep.\n\nMhmm. Yep. I can see. So just open the where it says sign documents? Or Yep.\n\nI can see them. Yeah. It's separated. I've just opened it. Yes.\n\nThat's mine. That's okay. Mhmm. Uh-huh. Oh, wow.\n\nYeah. Uh-huh. Uh-huh. Yes. Yep.\n\nMhmm. Yeah. Mhmm. Yeah. Uh-huh.\n\nYep. Mhmm. Yeah. No. I'm comfortable with that too.\n\nYeah. So no. It's good that you've explained that. So yeah. Yeah.\n\nThat'll be great. No. No. No. That's that's good now.\n\nYou've been really detailed, so that's good now. Mhmm. No. No. Probably something like yeah.\n\nMaybe someone some another company like Ben Along maybe. Because I think, yeah, I wanted to be a little bit just not too aggressive in in the best of investment, but maybe see in between. So not so much passive, but in between. Yeah. Yep.\n\nMhmm. Yeah. Yeah. That's still yeah. I'll go.\n\nYeah. Mhmm. Mhmm. Mhmm. Mhmm.\n\nYes. No. No. It makes sense because yeah. No.\n\nAt the moment, I don't have any questions. But if I do, I'll I can always ring up ring back and ask. Yeah. Mhmm. Yep.\n\nYeah. Mhmm. Yeah. Mhmm. Sorry.\n\nI'm so sorry. Yep. So, guys, can you just keep us down? No. It's just my son just talking.\n\nSo but Sergei is home. Yes. He's just gotten home. No. No.\n\nSergei's come home, and my son's just telling him about his day. All. Sorry. Yeah. Mhmm.\n\nMhmm. Mhmm. No. I think it's just to me, you know, I'm happy with anything over 100, so that's really good. And it's just to make sure that they are comfortable or can get on their feet until they find their feet too.\n\nSo yeah. Mhmm. Yeah. Yes. Yeah.\n\nI think, yeah, look, I've got my daughter too. You know, she she works too. So, yeah, I I don't think I mean, nobody really knows, but, like, I I don't think like, right now, this disabilities is a priority. And if something was to happen, I think the two of us or the three of well, all three of us could manage to pay bills or get around again. Mhmm.\n\nMhmm. Okay. Mhmm. Okay. Yeah.\n\nThat's fine. Thank you. Mhmm. Sickly. Yeah.\n\nNot so much long service leave, but annual leave, I'd have to. So yeah. Sorry. Did that correct me if I'm wrong. That income protection would be the ninety days waiting and five years benefit.\n\nSo does that mean that it goes for five years? Or Yep. Right. Right. Mhmm.\n\nYeah. Right. Yep. Mhmm. I think I should be yeah.\n\nLike, if there was an increase, what would that look like? Like, if you were like, oh, okay. I wanted to maybe go up to 1,300, for example, or one thousand five 100. Right. Mhmm.\n\nYeah. Just just to see what it looks like. And then, I mean, that would be our option as to going ahead and right. Like, if if we like that quote, then we'll go ahead with it. If not, we just kinda leave it.\n\nIs that right? Okay. Mhmm. Yeah. Completely.\n\nMhmm. Okay. No. That's alright. Look, from the top of my head, I'm pretty sure they didn't wanna give me coverage.\n\nBut some I can't remember why. Like, jail coverage, I can't remember. Like, I'm just this is vaguely remembering some stuff. Yeah. Yeah.\n\nYeah. Yeah. That'll be great. Mhmm. Look.\n\nHonestly, I think one try because it's monthly, isn't it? I just realized that. Yeah. Have a look. If you could have a look and see if you can get the the maximum.\n\nIf not, anything over 1,000 is is already helpful. Yeah. Mhmm. No. Mhmm.\n\nI think probably increasing the protection, but I'm happy with just the the protection at the moment as opposed to adding the mental. Yes. Yes. Yes. None.\n\nNone. We have two, but, I mean, they're already much older. I mean, my oldest is 21, and and the youngest is just 14. 14. Yeah.\n\nYes. Yes. That's right. Okay. I think I'm in a very trialing stage right now.\n\nI can tell you that that's for sure. I think a lot of hormones there's a lot of hormone hijacking. So you're working a lot with those hormones, and I think it's just being patient. I think that's my best advice I can give you. That's right.\n\nI mean, I had such a beautiful textbook. I mean, she still is quite as beautiful, but very textbooky. You know? This is what happens in puberty. She was very textbook.\n\nAnd then I've never you know, then you had the boy and you're like, woah. So at the moment, it's a big roller coaster and and very trialing. Thank you. Mhmm. Yes.\n\nMhmm. Mhmm. Fantastic. Yep. Thank you.\n\nMhmm. No. It's still the same, I think. No. That's still possible.\n\nThat's still yeah. Still possible. Yep. Yep. That's still correct.\n\nIt should be a Kia Sportage. Oh, I think that's what we have for, like, insured. Like, if it if there was something to happen, yeah, that's what we'd yeah. We have it insured as market value, I think. So I don't know whether it's at 32.\n\nYeah. Yes. We still do. I think you've been able to do so. I'm just gonna ask my husband.\n\nSorry. What did sorry, Dana. What what was did you have on record? How much it was again? 25.\n\nIt it should be down there, shouldn't it? Well, I would honestly, I can't remember because what we what we did last year is we what's the word? No. I can't remember. It's at the tip of my tongue.\n\nSo when we yes. That's it. We consolidated into all our loans. So we've got two state loans. So that's so I'm gonna say maybe it's about 20 now.\n\nYep. My husband is trying to go on to the app, but I've got I've lost access to it. So yeah. Well, I forgot the password. So but do you know how much the home loan ended up being altogether altogether when we when we did the when we did the refinancing.\n\nWith the car loan and everything. Car loan wasn't that much? That. Here. Yes.\n\nHold on. Oh, I can't really I can't remember. I'm so sorry, Dana. I'm trying to I I think for both cars, roughly around twenty five days. So my husband was saying for both the cars, he reckons it's about 25 for both cards because we consolidated both cards.\n\nYeah. Yeah. Yes. I think so. Yeah.\n\nYeah. I was on the side of it. It's not together. He drives a Toyota Corolla hatchback. What was the value that you can put on your on the car now?\n\nIt's still market value, but I don't know. We we do put it at market value. So, yeah, it depends on what it's worth now, I guess. Yeah. Yep.\n\nWhat year and model is it? I think 2016. 2016? It it's give or take 2015, 2016, one of those that and it's a Toyota Corolla hatchback. Yeah?\n\nI think it's just a standard. I don't think it's a sports. Mhmm. No. We don't.\n\nMhmm. No. Everything everything in the household. And maybe the clothes? Yeah.\n\nIt's including the clothing, jewelry, house, like, appliance, television, and everything. Oh, I don't know. Yeah. Yeah. Yeah.\n\nYeah. Yeah. I'm just I'm the 15,000. Yeah. I was gonna say between 5 to 10,000, but that that might be very good.\n\nWow. Really? Oh, gosh. Oh, well. Oh, this this goes to show how much we work out.\n\nWe value our stuff. Okay. So probably just maybe something in between there then, Dana, only because that's an average thing, isn't it? Yeah. Yeah.\n\nOh, so I I've just had a look. I've been able to log in to the little app for my for my loan. It says loan amount, 561.730. 561. 561.\n\nSorry. Mhmm. Yes. Yeah? Hello?\n\nGood. Good. Nice to meet you too. Yeah. Not bad.\n\nYep. That's the one. 08/01/1984, Line 49 Strike 49, Cambridge Street, Oxley Park. Yes. I was.\n\nIt was good. Thank you. No. Just give me the information. I know.\n\nNo. I'm comfortable. Whatever you guys decide, as long as it's it's the best for me in the future, that's all that matters. Yeah. No.\n\nNo. I'm staying the same. Yeah. Yeah. Yeah.\n\nYeah. If I you know, I'll just put it there. I don't know when I can retire in that time or not. Yeah, I would I would love to, you know, to retire by that age. Mhmm.\n\nHang on here. Let me ask him a while. Okay. Yeah. Oh, yes.\n\nYes. We're all here. We're both here. That's okay. Uh-huh.\n\nNo. That's alright. Oh, no. I think we can have both the same or yeah. Yes.\n\nMhmm. Mhmm. Mhmm. Yeah. I'm happy with that.\n\nYeah. Okay. Yeah. Yeah. That's fine.\n\nMhmm. I'm happy with that. Yeah. Yes. So if I yeah.\n\nIf I've passed away, I've yeah. To Sergio. Is is that what you're saying? What about in the event that we both pass or something happens to both of us? Mhmm.\n\nNo. We haven't. Uh-huh. Yeah. Mhmm.\n\nOkay. Uh-huh. Yep. K. Uh-huh.\n\nYeah. Yep. Mhmm. Mhmm. Yeah.\n\nYeah. No. That makes sense. But on record, do you have any beneficiaries down? Okay.\n\nWhich one is, like, not complicated? So that's a 100 percent, like, to the kids? Oh. Mhmm. Uh-huh.\n\nYes. Mhmm. Right. Yeah. Yeah.\n\nYeah. Yeah. Yep. No. That makes sense.\n\nYeah. Yeah. Yeah. Yeah. Look.\n\nI think the easiest way honestly, I think the easiest way is for it to go to the partner and then the partner just divide it there. I yeah. I think when we planned for the for it to go to the kids, I think our mind was if we both were to go. So then, you know, both the kids would get $50.50. I think that's probably why we said for the both the kids.\n\nYeah. Yeah. Yep. Yeah. Yeah.\n\nYeah. No. That makes perfect sense. So yeah. Can we just change it to just that it's or direct to fill out a form or what happens there?\n\nYeah. Mhmm. Mhmm. Yep. Yeah.\n\nThat'll be great. Okay. I don't know. Maybe for now, I just stay that's okay. Yeah.\n\nI think so. Okay. No worries. Nice. I think 1,000 a week.\n\nYeah. No. No. Yeah. Yeah.\n\nBecause my work is up and down up and down. It's not the same all the time. So, yeah, sometimes it might go to 60, 62, and then maybe maybe next year different. Yeah. No.\n\nNo. Yep. Three yeah. 3 something a month. Yeah.\n\nI think so. Yeah. That'll be great. Thank you. Yeah.\n\nThat's fine. Yes. I think so. Yeah. Yes.\n\nYes. Yeah. I think it was for the each of us. So 1,000 for Sergio, 1,000 for myself. I think if it was combined, I think I mean, with the cost of living of everything that's happening now, I mean, combined to live off 1,000 might be a little bit tight.\n\nYeah. Yes. Yes. Yeah. Yeah.\n\nYep. That's why I think also why we've reached out to you. Yeah. I'm just happy with the one at the moment. Just because I heard a lot of thing about, like, people using the super or the equity of the the house to buy another Property.\n\nInvestment of property. And so I I just wanna know How can we go about that? Oh, it's on the Speak. Hello, Jane. I'm sorry.\n\nCan you hear me? I'm so sorry. It tapped out because my daughter took my car, and the the the the Bluetooth jumped onto the car. I'm so sorry. I'm so sorry.\n\nYes. Yes. Yeah. And, like, we obviously, we wanted to know our options because, like, if it's going to kind of, you know, limit our so, like, we obviously wanna retire at 60, but if we were going to go and do this investment property, does it gonna is it gonna extend our retirement age to, you know, an additional ten years or an additional five years or whatever it may be or those kinds of folks. Yeah.\n\nMhmm. Mhmm. No. Mhmm. Mhmm.\n\nUh-huh. No. Yeah. Mhmm. Yeah.\n\nYeah. No. No. It does make sense. Yeah.\n\nOh, it's a bit of a train. So yeah. Yeah. Mhmm. Mhmm.\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nYeah. If we can make a if he can refer us to a mortgage broker, that'll be great. So, you know, the those kinds of questions we have and he can give us or they can give us some some options, I guess. And, you know, because, yes, my daughter is 20 one. Yes.\n\nWe would like for her to get her, you know, her put in the in the market. So then I kind of give finding out those options too. And then that way she can also hear hear it too. Yeah. Mhmm.\n\nYeah. Yep. Mhmm. Yeah. Mhmm.\n\nYes. Come on. Mhmm. Yeah. That's fine.\n\nNo. That's okay. Mhmm. Yeah. No.\n\nThat makes perfect sense. No. That's fine. Mhmm. Mhmm.\n\nYeah. That's fine. No. I think you've answered or you've referred us to, you know, to get more information. But no.\n\nThank you so much. Yeah. We've had all our answers all our questions answered today. Yep. Mhmm.\n\nK. So one to two years, you said? One to two years, twenty but dropped by 20%. Yeah? Yeah.\n\nI'd probably I wouldn't jump yet, but I'd start like, I'd be toying with the idea of maybe seeing if we can move the investments to other other companies. Yes. Yes. Yes. A 100%.\n\nYes. Yep. How would you think? I think you'd be the same too. K.\n\nIf it if it went if the market went up oh, sorry. The market went down by 20% and the share in one to two years. So what would you do? 100 percent. I'll just do it the same.\n\nHe'd probably yeah. I reckon he'd probably contact same same as myself, contact you guys and say, hey. Is there a way of maybe maneuvering it to kind of compensate for it? Yeah? Is that right?\n\nYep. Yep. Alright. Go ahead. Yes.\n\nYes. So yeah. We're still we're still so comfortable with that risk. Yeah. Yeah.\n\nExcellent. No. I'm comfortable with that. So, like, if so usually, would you if you have a higher balance, would you be more aggressive? Or because, like, I thought, well, I think what we thought was if one's aggressive, one's not, and then, you know, one's kind of, you know, in the middle balanced, then, you know, one we're taking the risk of one, you know, investing more.\n\nBut because I've got more of, like, higher balance, should I be the one that's more risky? Yeah. Okay. Uh-huh. Mhmm.\n\nMhmm. Yeah. Yeah. Yeah. That's that's what we were thinking too.\n\nIf Sergio can then at least come if he's more aggressive, then he can his balance can come up possibly that and it would be the same at retirement. Yeah. Yeah. It was an option. So I think we've considered it, but I think Sergio's work doesn't their their isn't salary sacrifice or salary packaging, I think.\n\nSo that but then that that doesn't matter. You can kind of just make it so that you can discuss with with payroll and they can just put that money in, can't you? Like, it doesn't necessarily yeah. Yeah. Things side of things.\n\nYeah. Yeah. Yeah. Well, there's probably a lot of things to consider. But, yes, thank you very much.\n\nYeah. Yeah. Just for the time being, but it's something that, like, we have discussed before. But yeah. Mhmm.\n\nMhmm. Mhmm. No. No. Thank you.\n\nOh, an an emoji. Yeah. That's alright. Yes. Yeah.\n\nSo I can do either okay. Hang on. Hang on. When do you so I can do any day after four or three thirty, like yeah. Or 03:30 between 03:30, 04:00.\n\nHappy Halloween Yeah. That's fine. You're Spanish. Mhmm. Yeah.\n\nThat's fantastic. Mhmm. It's on the September 10. Would that suit you for Instagram? Yep.\n\nYeah. That's fine. I think 05:00 would would be best. That way it gives like, I mean, I finish a little bit earlier, but gives Sergio time to get home, I guess, and and then we can, you know, do that. Mhmm.\n\nExcellent. Yeah. Thank you so much. That's okay. No.\n\nI can't think of anything else. But if I do, when I'll write it down, and then maybe I could we could talk about it on the the tenth if if need be. Yeah. Alright. Mhmm.\n\nSure. What is that going to be via email? Is that the one that says signature required? Okay. Mhmm.\n\nAlright. Fantastic. Same to you. Thank you so much, Janeile. You take care.\n\nBye bye. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.012570427730679512},{"text":"Hello?","start":3.36,"end":3.86,"sentiment":"neutral","sentiment_score":0.021012205630540848},{"text":"Good.","start":8.96,"end":9.28,"sentiment":"positive","sentiment_score":0.543026328086853},{"text":"Thank you.","start":9.28,"end":9.679999,"sentiment":"positive","sentiment_score":0.5571962594985962},{"text":"How are you?","start":9.679999,"end":10.58,"sentiment":"neutral","sentiment_score":0.28691938519477844}],"sentiment":"neutral","sentiment_score":0.31896995450370014,"num_words":8,"start":0.79999995,"end":10.58},{"sentences":[{"text":"Yeah.","start":23.025,"end":23.525,"sentiment":"neutral","sentiment_score":0.04207666218280792},{"text":"Yeah.","start":24.785,"end":25.105,"sentiment":"neutral","sentiment_score":0.29602962732315063},{"text":"That's that's a great 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so sorry.","start":715.08,"end":715.8,"sentiment":"neutral","sentiment_score":-0.16942764321962991},{"text":"Yep.","start":715.8,"end":716.3,"sentiment":"neutral","sentiment_score":-0.09527623653411864},{"text":"So, guys, can you just keep us down?","start":716.36,"end":718.54,"sentiment":"neutral","sentiment_score":-0.2018157672137022},{"text":"No.","start":718.68,"end":718.92,"sentiment":"neutral","sentiment_score":-0.1962987333536148},{"text":"It's just my son just talking.","start":718.92,"end":720.54,"sentiment":"neutral","sentiment_score":-0.10468220710754395}],"sentiment":"neutral","sentiment_score":-0.16013038315271078,"num_words":19,"start":715.08,"end":720.54},{"sentences":[{"text":"So but Sergei is home.","start":720.68,"end":722.36,"sentiment":"neutral","sentiment_score":-0.016118108481168746},{"text":"Yes.","start":722.36,"end":722.68,"sentiment":"neutral","sentiment_score":0.07202492654323578},{"text":"He's just gotten 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right.","start":1467.595,"end":1468.26,"sentiment":"neutral","sentiment_score":0.10205452516674995},{"text":"Okay.","start":1471.3,"end":1471.8,"sentiment":"positive","sentiment_score":0.3521488904953003},{"text":"I think I'm in a very trialing stage right now.","start":1479.86,"end":1482.975,"sentiment":"neutral","sentiment_score":0.15618512630462647}],"sentiment":"neutral","sentiment_score":0.15173046340545018,"num_words":15,"start":1467.0349,"end":1482.975},{"sentences":[{"text":"I can tell you that that's for sure.","start":1482.975,"end":1485.155,"sentiment":"neutral","sentiment_score":0.15060674957931042},{"text":"I think a lot of hormones there's a lot of hormone hijacking.","start":1485.215,"end":1488.355,"sentiment":"neutral","sentiment_score":-0.04190578140939275},{"text":"So you're working a lot with those hormones, and I think it's just being patient.","start":1489.055,"end":1494.355,"sentiment":"neutral","sentiment_score":0.09033993631601334},{"text":"I think that's my best advice I can give you.","start":1494.8201,"end":1497.56,"sentiment":"neutral","sentiment_score":0.09151900857686997},{"text":"That's right.","start":1504.66,"end":1505.56,"sentiment":"neutral","sentiment_score":0.018646283075213432}],"sentiment":"neutral","sentiment_score":0.06403332588044887,"num_words":47,"start":1482.975,"end":1505.56},{"sentences":[{"text":"I mean, I had such a beautiful textbook.","start":1510.26,"end":1513.025,"sentiment":"neutral","sentiment_score":0.2095818449743092},{"text":"I mean, she still is quite as beautiful, but very textbooky.","start":1513.085,"end":1516.465,"sentiment":"neutral","sentiment_score":0.16978869248520245},{"text":"You know?","start":1516.605,"end":1517.085,"sentiment":"neutral","sentiment_score":0.03145480342209339},{"text":"This is what happens in puberty.","start":1517.085,"end":1518.6849,"sentiment":"neutral","sentiment_score":0.01325435796752572},{"text":"She was very 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you.","start":1536.04,"end":1536.86,"sentiment":"positive","sentiment_score":0.46454453468322754},{"text":"Mhmm.","start":1564.14,"end":1564.64,"sentiment":"neutral","sentiment_score":-0.06670160591602325},{"text":"Yes.","start":1573.7251,"end":1574.2251,"sentiment":"neutral","sentiment_score":-0.026273038238286972}],"sentiment":"neutral","sentiment_score":-0.0042801852687262,"num_words":32,"start":1520.205,"end":1574.2251},{"sentences":[{"text":"Mhmm.","start":1583.89,"end":1584.39,"sentiment":"neutral","sentiment_score":0.02433948963880539},{"text":"Mhmm.","start":1595.65,"end":1596.015,"sentiment":"neutral","sentiment_score":0.023304099217057228},{"text":"Fantastic.","start":1604.975,"end":1605.475,"sentiment":"positive","sentiment_score":0.5185174345970154},{"text":"Yep.","start":1605.6951,"end":1605.935,"sentiment":"positive","sentiment_score":0.3333444595336914},{"text":"Thank 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yeah.","start":1656.625,"end":1657.4249,"sentiment":"neutral","sentiment_score":-0.04759447152415911},{"text":"Still possible.","start":1657.4249,"end":1658.245,"sentiment":"neutral","sentiment_score":0.006855878978967667},{"text":"Yep.","start":1658.3049,"end":1658.8049,"sentiment":"neutral","sentiment_score":0.10022196173667908},{"text":"Yep.","start":1668.225,"end":1668.5449,"sentiment":"neutral","sentiment_score":0.04801713675260544},{"text":"That's still correct.","start":1668.5449,"end":1669.605,"sentiment":"neutral","sentiment_score":0.10052930812040965}],"sentiment":"neutral","sentiment_score":0.03207553662359715,"num_words":10,"start":1656.625,"end":1669.605},{"sentences":[{"text":"It should be a Kia Sportage.","start":1680.1,"end":1682.04,"sentiment":"neutral","sentiment_score":0.05703402248521646},{"text":"Oh, I think that's what we have for, like, insured.","start":1691.185,"end":1695.685,"sentiment":"neutral","sentiment_score":0.007800838490948081},{"text":"Like, if it if there was something to happen, yeah, that's what we'd yeah.","start":1695.905,"end":1699.59,"sentiment":"neutral","sentiment_score":-0.0002543327199029071},{"text":"We have it insured as market value, I think.","start":1699.59,"end":1702.01,"sentiment":"neutral","sentiment_score":0.011502362684243254},{"text":"So I don't know whether it's at 32.","start":1702.7899,"end":1704.47,"sentiment":"neutral","sentiment_score":0.08051506197080016}],"sentiment":"neutral","sentiment_score":0.024772204716313393,"num_words":47,"start":1680.1,"end":1704.47},{"sentences":[{"text":"Yeah.","start":1704.47,"end":1704.97,"sentiment":"neutral","sentiment_score":0.04715752974152565},{"text":"Yes.","start":1713.8151,"end":1714.135,"sentiment":"neutral","sentiment_score":0.04058992490172386},{"text":"We still do.","start":1714.135,"end":1715.1951,"sentiment":"neutral","sentiment_score":0.056401203076044716},{"text":"I think you've been able to do 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tongue.","start":1788.0599,"end":1789.34,"sentiment":"neutral","sentiment_score":-0.0538422486611775}],"sentiment":"neutral","sentiment_score":-0.030421101989654396,"num_words":39,"start":1762.94,"end":1789.34},{"sentences":[{"text":"So when we yes.","start":1789.34,"end":1793.26,"sentiment":"neutral","sentiment_score":-0.014091874938458204},{"text":"That's it.","start":1793.26,"end":1793.58,"sentiment":"neutral","sentiment_score":0.005945481127128005},{"text":"We consolidated into all our loans.","start":1793.58,"end":1795.9199,"sentiment":"neutral","sentiment_score":0.018676822384198506},{"text":"So we've got two state loans.","start":1796.2999,"end":1798.7999,"sentiment":"neutral","sentiment_score":0.0123378518037498},{"text":"So that's so I'm gonna say maybe it's about 20 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refinancing.","start":1824.7201,"end":1843.9299,"sentiment":"neutral","sentiment_score":-0.04522364873152513}],"sentiment":"neutral","sentiment_score":-0.07498586245884116,"num_words":52,"start":1809.3949,"end":1843.9299},{"sentences":[{"text":"With the car loan and everything.","start":1846.7899,"end":1848.49,"sentiment":"neutral","sentiment_score":-0.033467075477043785},{"text":"Car loan wasn't that much?","start":1849.99,"end":1851.61,"sentiment":"neutral","sentiment_score":-0.06012442633509636},{"text":"That.","start":1852.15,"end":1852.485,"sentiment":"neutral","sentiment_score":-0.028832638636231422},{"text":"Here.","start":1852.645,"end":1853.145,"sentiment":"neutral","sentiment_score":-0.020687323063611984},{"text":"Yes.","start":1854.245,"end":1854.565,"sentiment":"neutral","sentiment_score":-0.018756408244371418}],"sentiment":"neutral","sentiment_score":-0.040692925320139954,"num_words":14,"start":1846.7899,"end":1854.565},{"sentences":[{"text":"Hold 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how much we work out.","start":2096.27,"end":2100.85,"sentiment":"neutral","sentiment_score":0.04099780795249072}],"sentiment":"neutral","sentiment_score":0.030594633782611173,"num_words":17,"start":2072.13,"end":2100.85},{"sentences":[{"text":"We value our stuff.","start":2101.5652,"end":2103.1052,"sentiment":"neutral","sentiment_score":0.0503999562934041},{"text":"Okay.","start":2103.405,"end":2103.8052,"sentiment":"neutral","sentiment_score":0.024023178964853287},{"text":"So probably just maybe something in between there then, Dana, only because that's an average thing, isn't 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to meet you too.","start":2164.385,"end":2165.7651,"sentiment":"positive","sentiment_score":0.5975560069084167},{"text":"Yeah.","start":2169.345,"end":2169.665,"sentiment":"neutral","sentiment_score":0.15607847273349762},{"text":"Not bad.","start":2169.665,"end":2170.325,"sentiment":"neutral","sentiment_score":0.2228313833475113}],"sentiment":"positive","sentiment_score":0.4459442928433418,"num_words":10,"start":2163.665,"end":2170.325},{"sentences":[{"text":"Yep.","start":2186.9849,"end":2187.4648,"sentiment":"neutral","sentiment_score":0.10290881991386414},{"text":"That's the one.","start":2187.4648,"end":2192.2048,"sentiment":"neutral","sentiment_score":0.14917620023091635},{"text":"08/01/1984, Line 49 Strike 49, Cambridge Street, Oxley Park.","start":2200.105,"end":2209.07,"sentiment":"neutral","sentiment_score":0.05812326321999232},{"text":"Yes.","start":2210.09,"end":2210.59,"sentiment":"neutral","sentiment_score":0.15394556522369385},{"text":"I 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why I think also why we've reached out to you.","start":3449.815,"end":3452.695,"sentiment":"neutral","sentiment_score":0.08816310695626518},{"text":"Yeah.","start":3452.695,"end":3453.195,"sentiment":"neutral","sentiment_score":0.12584929168224335},{"text":"I'm just happy with the one at the moment.","start":3487.29,"end":3489.71,"sentiment":"positive","sentiment_score":0.4305891344944636},{"text":"Just because I heard a lot of thing about, like, people using the super or the equity of the the house to buy another Property.","start":3512.185,"end":3521.78,"sentiment":"neutral","sentiment_score":0.021716032922267915}],"sentiment":"neutral","sentiment_score":0.1191180890544932,"num_words":47,"start":3449.415,"end":3521.78},{"sentences":[{"text":"Investment of property.","start":3522.32,"end":3523.78,"sentiment":"neutral","sentiment_score":0.008262413864334425},{"text":"And so I I just wanna know How can we go about 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we can make a if he can refer us to a mortgage broker, that'll be great.","start":3950.805,"end":3955.525,"sentiment":"positive","sentiment_score":0.4391097514068379},{"text":"So, you know, the those kinds of questions we have and he can give us or they can give us some some options, I guess.","start":3955.525,"end":3965.72,"sentiment":"neutral","sentiment_score":0.1862260580062866},{"text":"And, you know, because, yes, my daughter is 20 one.","start":3965.72,"end":3969.64,"sentiment":"neutral","sentiment_score":0.09980696737766266},{"text":"Yes.","start":3969.64,"end":3969.96,"sentiment":"neutral","sentiment_score":0.268644779920578}],"sentiment":"neutral","sentiment_score":0.25338119599554276,"num_words":54,"start":3950.325,"end":3969.96},{"sentences":[{"text":"We would like for her to get her, you know, her put in the in the market.","start":3969.96,"end":3976.2349,"sentiment":"neutral","sentiment_score":0.3287615039769341},{"text":"So then I kind of give finding out those options 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20%.","start":4200.9453,"end":4204.165,"sentiment":"neutral","sentiment_score":-0.07674371658100022},{"text":"Yeah?","start":4205.025,"end":4205.505,"sentiment":"neutral","sentiment_score":-0.015027875080704687},{"text":"Yeah.","start":4205.505,"end":4206.005,"sentiment":"neutral","sentiment_score":-0.025848884135484695}],"sentiment":"neutral","sentiment_score":-0.05199989000041234,"num_words":19,"start":4185.685,"end":4206.005},{"sentences":[{"text":"I'd probably I wouldn't jump yet, but I'd start like, I'd be toying with the idea of maybe seeing if we can move the investments to other other 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aggressive?","start":4457.785,"end":4464.525,"sentiment":"neutral","sentiment_score":-0.044618705494536295},{"text":"Or because, like, I thought, well, I think what we thought was if one's aggressive, one's not, and then, you know, one's kind of, you know, in the middle balanced, then, you know, one we're taking the risk of one, you know, investing more.","start":4465.385,"end":4484.6646,"sentiment":"neutral","sentiment_score":-0.058792974715205754}],"sentiment":"neutral","sentiment_score":-0.06162415285978247,"num_words":68,"start":4393.17,"end":4484.6646},{"sentences":[{"text":"But because I've got more of, like, higher balance, should I be the one that's more risky?","start":4485.925,"end":4492.8247,"sentiment":"neutral","sentiment_score":-0.33291129680240855},{"text":"Yeah.","start":4502.1,"end":4502.6,"sentiment":"neutral","sentiment_score":-0.040612127631902695},{"text":"Okay.","start":4513.795,"end":4514.295,"sentiment":"neutral","sentiment_score":-0.09552383422851562},{"text":"Uh-huh.","start":4525.44,"end":4525.94,"sentiment":"neutral","sentiment_score":-0.06092255190014839},{"text":"Mhmm.","start":4547.125,"end":4547.625,"sentiment":"neutral","sentiment_score":-0.01910606026649475}],"sentiment":"neutral","sentiment_score":-0.2797931723651432,"num_words":21,"start":4485.925,"end":4547.625},{"sentences":[{"text":"Mhmm.","start":4564.96,"end":4565.46,"sentiment":"neutral","sentiment_score":0.06574653089046478},{"text":"Yeah.","start":4587.65,"end":4588.15,"sentiment":"neutral","sentiment_score":0.021510500460863113},{"text":"Yeah.","start":4591.25,"end":4591.73,"sentiment":"neutral","sentiment_score":0.04077722877264023},{"text":"Yeah.","start":4591.73,"end":4592.23,"sentiment":"neutral","sentiment_score":0.07263429462909698},{"text":"That's that's what we were thinking too.","start":4592.45,"end":4594.21,"sentiment":"neutral","sentiment_score":0.03613225796392986}],"sentiment":"neutral","sentiment_score":0.04123585095459765,"num_words":11,"start":4564.96,"end":4594.21},{"sentences":[{"text":"If Sergio can then at least come if he's more aggressive, then he can his balance can come up possibly that and it would be the same at retirement.","start":4594.21,"end":4605.565,"sentiment":"neutral","sentiment_score":0.1408506097464726},{"text":"Yeah.","start":4608.7446,"end":4609.17,"sentiment":"neutral","sentiment_score":0.28949958086013794},{"text":"Yeah.","start":4614.69,"end":4615.19,"sentiment":"neutral","sentiment_score":0.1408853381872177},{"text":"It was an option.","start":4632.855,"end":4634.155,"sentiment":"neutral","sentiment_score":0.21054358035326004},{"text":"So I think we've considered it, but I think Sergio's work doesn't their their isn't salary sacrifice or salary packaging, I think.","start":4634.215,"end":4642.3696,"sentiment":"neutral","sentiment_score":0.056500176306475296}],"sentiment":"neutral","sentiment_score":0.11579352283948346,"num_words":57,"start":4594.21,"end":4642.3696},{"sentences":[{"text":"So that but then that that doesn't matter.","start":4642.3696,"end":4644.69,"sentiment":"neutral","sentiment_score":0.11908535286784172},{"text":"You can kind of just make it so that you can discuss with with payroll and they can just put that money in, can't you?","start":4644.69,"end":4652.0747,"sentiment":"neutral","sentiment_score":0.20855260372161866},{"text":"Like, it doesn't necessarily yeah.","start":4652.0747,"end":4654.0146,"sentiment":"neutral","sentiment_score":0.030463845655322074},{"text":"Yeah.","start":4654.635,"end":4655.135,"sentiment":"neutral","sentiment_score":0.08147337287664413},{"text":"Things side of things.","start":4658.795,"end":4660.0146,"sentiment":"neutral","sentiment_score":0.041503796353936195}],"sentiment":"neutral","sentiment_score":0.1527047837802837,"num_words":43,"start":4642.3696,"end":4660.0146},{"sentences":[{"text":"Yeah.","start":4671.53,"end":4672.03,"sentiment":"neutral","sentiment_score":0.15072181820869446},{"text":"Yeah.","start":4698.73,"end":4699.23,"sentiment":"neutral","sentiment_score":0.05653442442417145},{"text":"Yeah.","start":4723.75,"end":4724.07,"sentiment":"neutral","sentiment_score":0.06156013906002045},{"text":"Well, there's probably a lot of things to consider.","start":4724.07,"end":4726.17,"sentiment":"neutral","sentiment_score":-0.009089721159802543},{"text":"But, yes, thank you very much.","start":4726.55,"end":4728.55,"sentiment":"positive","sentiment_score":0.48269780973593396}],"sentiment":"neutral","sentiment_score":0.1712886527594593,"num_words":18,"start":4671.53,"end":4728.55},{"sentences":[{"text":"Yeah.","start":4728.55,"end":4729.05,"sentiment":"positive","sentiment_score":0.3382430076599121},{"text":"Yeah.","start":4736.645,"end":4736.9653,"sentiment":"neutral","sentiment_score":0.14686228334903717},{"text":"Just for the time being, but it's something that, like, we have discussed before.","start":4736.9653,"end":4741.145,"sentiment":"neutral","sentiment_score":0.1331536163176809},{"text":"But yeah.","start":4741.4004,"end":4742.9053,"sentiment":"neutral","sentiment_score":0.24748565256595612},{"text":"Mhmm.","start":4750.325,"end":4750.825,"sentiment":"neutral","sentiment_score":0.08108313381671906}],"sentiment":"neutral","sentiment_score":0.15396370307395332,"num_words":19,"start":4728.55,"end":4750.825},{"sentences":[{"text":"Mhmm.","start":4761.4004,"end":4761.9004,"sentiment":"neutral","sentiment_score":0.06644560396671295},{"text":"Mhmm.","start":4785.67,"end":4786.17,"sentiment":"neutral","sentiment_score":0.061789803206920624},{"text":"No.","start":4798.415,"end":4798.815,"sentiment":"neutral","sentiment_score":-0.12951761484146118},{"text":"No.","start":4798.815,"end":4799.1353,"sentiment":"neutral","sentiment_score":-0.10759218037128448},{"text":"Thank you.","start":4799.1353,"end":4800.035,"sentiment":"neutral","sentiment_score":0.007175695151090622}],"sentiment":"neutral","sentiment_score":-0.01575383295615514,"num_words":6,"start":4761.4004,"end":4800.035},{"sentences":[{"text":"Oh, an an emoji.","start":4800.415,"end":4801.7954,"sentiment":"neutral","sentiment_score":0.130514120683074},{"text":"Yeah.","start":4803.2153,"end":4803.7153,"sentiment":"neutral","sentiment_score":0.0657687783241272},{"text":"That's alright.","start":4804.415,"end":4805.2354,"sentiment":"neutral","sentiment_score":0.2575851082801819},{"text":"Yes.","start":4810.85,"end":4811.35,"sentiment":"neutral","sentiment_score":0.06886948645114899},{"text":"Yeah.","start":4821.645,"end":4822.045,"sentiment":"neutral","sentiment_score":0.052762679755687714}],"sentiment":"neutral","sentiment_score":0.13606973820262486,"num_words":9,"start":4800.415,"end":4822.045},{"sentences":[{"text":"So I can do either okay.","start":4822.045,"end":4826.605,"sentiment":"neutral","sentiment_score":0.04944462887942791},{"text":"Hang on.","start":4826.605,"end":4827.005,"sentiment":"neutral","sentiment_score":0.029877747409045696},{"text":"Hang on.","start":4827.005,"end":4827.7246,"sentiment":"neutral","sentiment_score":0.017432278487831354},{"text":"When do you so I can do any day after four or three thirty, like yeah.","start":4827.7246,"end":4835.0796,"sentiment":"neutral","sentiment_score":0.059422333899419755},{"text":"Or 03:30 between 03:30, 04:00.","start":4835.0796,"end":4837.42,"sentiment":"neutral","sentiment_score":0.054894312471151355}],"sentiment":"neutral","sentiment_score":0.052145700961832075,"num_words":31,"start":4822.045,"end":4837.42},{"sentences":[{"text":"Happy Halloween Yeah.","start":4846.0396,"end":4847.385,"sentiment":"neutral","sentiment_score":0.18088504175345102},{"text":"That's fine.","start":4847.385,"end":4847.945,"sentiment":"positive","sentiment_score":0.3662603795528412},{"text":"You're Spanish.","start":4847.945,"end":4851.005,"sentiment":"positive","sentiment_score":0.4461239278316498},{"text":"Mhmm.","start":4862.9297,"end":4863.4297,"sentiment":"neutral","sentiment_score":0.18172650039196017},{"text":"Yeah.","start":4867.73,"end":4868.23,"sentiment":"positive","sentiment_score":0.4081462025642395}],"sentiment":"neutral","sentiment_score":0.3063662714428372,"num_words":9,"start":4846.0396,"end":4868.23},{"sentences":[{"text":"That's fantastic.","start":4868.37,"end":4869.27,"sentiment":"positive","sentiment_score":0.7805541157722473},{"text":"Mhmm.","start":4883.565,"end":4884.065,"sentiment":"neutral","sentiment_score":0.06059718132019043},{"text":"It's on the September 10.","start":4899.21,"end":4900.67,"sentiment":"neutral","sentiment_score":0.008633922040462493},{"text":"Would that suit you for Instagram?","start":4901.29,"end":4902.83,"sentiment":"neutral","sentiment_score":0.006504519803759952},{"text":"Yep.","start":4903.315,"end":4903.5947,"sentiment":"neutral","sentiment_score":0.015931066125631332}],"sentiment":"neutral","sentiment_score":0.11465554720101258,"num_words":15,"start":4868.37,"end":4903.5947},{"sentences":[{"text":"Yeah.","start":4903.5947,"end":4903.875,"sentiment":"neutral","sentiment_score":0.02270561084151268},{"text":"That's fine.","start":4903.875,"end":4905.615,"sentiment":"neutral","sentiment_score":0.04822657536715269},{"text":"I think 05:00 would would be best.","start":4916.5146,"end":4919.6,"sentiment":"neutral","sentiment_score":0.06471363082528114},{"text":"That way it gives like, I mean, I finish a little bit earlier, but gives Sergio time to get home, I guess, and and then we can, you know, do that.","start":4919.6,"end":4930.58,"sentiment":"neutral","sentiment_score":0.08792434801017085},{"text":"Mhmm.","start":4939.795,"end":4940.295,"sentiment":"neutral","sentiment_score":0.174308180809021}],"sentiment":"neutral","sentiment_score":0.08266945586850245,"num_words":42,"start":4903.5947,"end":4940.295},{"sentences":[{"text":"Excellent.","start":4954.59,"end":4955.09,"sentiment":"positive","sentiment_score":0.503086507320404},{"text":"Yeah.","start":4955.3896,"end":4955.8896,"sentiment":"positive","sentiment_score":0.36871641874313354},{"text":"Thank you so much.","start":4955.9497,"end":4957.09,"sentiment":"positive","sentiment_score":0.6918266862630844},{"text":"That's okay.","start":4968.865,"end":4969.685,"sentiment":"neutral","sentiment_score":0.02920285379514098},{"text":"No.","start":4970.145,"end":4970.3853,"sentiment":"neutral","sentiment_score":-0.06986643373966217}],"sentiment":"positive","sentiment_score":0.4030721049962772,"num_words":9,"start":4954.59,"end":4970.3853},{"sentences":[{"text":"I can't think of anything else.","start":4970.3853,"end":4972.11,"sentiment":"neutral","sentiment_score":-0.11346774424115817},{"text":"But if I do, when I'll write it down, and then maybe I could we could talk about it on the the tenth if if need be.","start":4972.11,"end":4979.9697,"sentiment":"neutral","sentiment_score":0.044057902345364844},{"text":"Yeah.","start":4984.9897,"end":4985.4897,"sentiment":"neutral","sentiment_score":0.12376083433628082},{"text":"Alright.","start":4990.575,"end":4991.075,"sentiment":"positive","sentiment_score":0.3930267691612244},{"text":"Mhmm.","start":5005.43,"end":5005.93,"sentiment":"neutral","sentiment_score":0.1341170072555542}],"sentiment":"neutral","sentiment_score":0.032212819684193365,"num_words":36,"start":4970.3853,"end":5005.93},{"sentences":[{"text":"Sure.","start":5013.99,"end":5014.49,"sentiment":"neutral","sentiment_score":0.04665381461381912},{"text":"What is that going to be via email?","start":5014.985,"end":5017.865,"sentiment":"neutral","sentiment_score":0.015475494205020368},{"text":"Is that the one that says signature required?","start":5017.865,"end":5019.965,"sentiment":"neutral","sentiment_score":-0.007682201103307307},{"text":"Okay.","start":5021.705,"end":5022.205,"sentiment":"neutral","sentiment_score":0.01659492775797844},{"text":"Mhmm.","start":5024.985,"end":5025.485,"sentiment":"neutral","sentiment_score":0.166740283370018}],"sentiment":"neutral","sentiment_score":0.015386072134501055,"num_words":19,"start":5013.99,"end":5025.485},{"sentences":[{"text":"Alright.","start":5029.38,"end":5029.46,"sentiment":"positive","sentiment_score":0.4845713973045349},{"text":"Fantastic.","start":5029.46,"end":5029.96,"sentiment":"positive","sentiment_score":0.7708519697189331},{"text":"Same to you.","start":5038.82,"end":5039.54,"sentiment":"positive","sentiment_score":0.5422385334968567},{"text":"Thank you so much, Janeile.","start":5039.54,"end":5041.0,"sentiment":"positive","sentiment_score":0.7077139019966125},{"text":"You take care.","start":5041.06,"end":5041.96,"sentiment":"positive","sentiment_score":0.5984740058581034}],"sentiment":"positive","sentiment_score":0.6320100380824163,"num_words":13,"start":5029.38,"end":5041.96},{"sentences":[{"text":"Bye bye.","start":5042.02,"end":5042.76,"sentiment":"neutral","sentiment_score":0.32280878722667694},{"text":"Bye bye.","start":5044.721,"end":5045.461,"sentiment":"neutral","sentiment_score":0.18513039499521255}],"sentiment":"neutral","sentiment_score":0.25396959111094475,"num_words":4,"start":5042.02,"end":5045.461}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Hi, Angela. It's Dana again from OQ Financial. How are you again?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: Very well. Thank you. Are you okay if we start going through your part of the annual review now? And then, hopefully, Sergio will turn up partway through, and we can continue on with his side of things and then answer any questions together that you\n\nChannel 1: Yeah.\n\nChannel 0: both might have. Does that sound okay?\n\nChannel 1: Yeah. That's that's a great idea. Yep.\n\nChannel 0: Fantastic. Excellent. Angela, before I jump into the call, I do have to let you know, and I will let Sergio know when he arrives as well, that we do record our calls for quality and training purposes. Are you happy\n\nChannel 1: Mhmm.\n\nChannel 0: for me to proceed with that?\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Fantastic. And then just to do a security check there with you as well, I'll just need to confirm for me your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yeah. My name is Angela Suarez Teran. Date\n\nChannel 0: Yep.\n\nChannel 1: of birth, seventeen eleven nineteen eighty four.\n\nChannel 0: Fantastic.\n\nChannel 1: Address is 9 Stroke 49 Cambridge Street, Oxley Park 2760.\n\nChannel 0: Beautiful. Thank you so much for that. Angela, as part of the annual review, I did send through some documents to yourself and Sergio to kinda go through. Are you\n\nChannel 1: I'm\n\nChannel 0: able to open your emails there at the moment? If you\n\nChannel 1: I'm\n\nChannel 0: can't, that's honestly okay.\n\nChannel 1: I'm able to open my emails on my phone. Yeah.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Dana.\n\nChannel 0: This makes\n\nChannel 1: Yep.\n\nChannel 0: it a little bit easier so you can see what I'm looking at.\n\nChannel 1: Mhmm. Yep. I can see. So just open the where it says sign documents? Or\n\nChannel 0: Yes. So the that that's what the sorry. The ongoing service agreement and the tax file consent attached. The documents I'm actually gonna go through are below, and they're the attachments there.\n\nChannel 1: Yep. I can\n\nChannel 0: One of those attachments, it should say performance with internal\n\nChannel 1: see them.\n\nChannel 0: rate of return. I'm just checking to see which one is yours because we do have all the documents attached for you both. I'll see if it's kind of separated for you.\n\nChannel 1: Yeah. It's separated. I've just opened\n\nChannel 0: It\n\nChannel 1: it.\n\nChannel 0: is. Oh, beautiful. And you're looking at your performance with internal rate of return there? It should have the date and then your name at the top.\n\nChannel 1: Yes. That's mine.\n\nChannel 0: Yep. Beautiful. So with this one here, having a look at things, now these documents were prepared a few weeks ago. So I do apologize. We rescheduled last time.\n\nI, unfortunately, was extremely unwell.\n\nChannel 1: That's okay.\n\nChannel 0: But if you have a look and go to the second page of that document, it essentially shows you what your\n\nChannel 1: Mhmm.\n\nChannel 0: super last year at this time was a 165,650 and 67¢ there. When\n\nChannel 1: Uh-huh.\n\nChannel 0: we look at the market value now for the balance as of the 07/23/2026, you're up to a $184,019.50 there. And I'm just going because this was just a couple of weeks ago. If I go back to just your super account there now, I can grab you an updated balance for today's date as well. And yeah. So it shows you're at a 190,700\n\nChannel 1: Oh,\n\nChannel 0: and\n\nChannel 1: wow.\n\nChannel 0: 35. Yeah. Lovely little increase on that since then. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. So your super balance has definitely been increasing, which is good. That's what we wanna see. When we look at how that has performed in this year, we have seen quite a bit in the way of ups and downs with the market\n\nChannel 1: Uh-huh.\n\nChannel 0: and everything that's been going on both here in Australia and also overseas. Your portfolio with regard to this performance report shows that you're up by 5.80%. So, realistically, when we think of it as a percentage return in the growth portfolio environment that you're in, we're trying to obtain around about a seven to 9% on a yearly basis there. So it\n\nChannel 1: Uh-huh.\n\nChannel 0: is a little bit of an underperformance for the year, but we do know that there are gonna be years of the portfolio and may not perform exactly where we want it to be or as high as normal. Looking at things this year with everything has gone in, you have got a positive result. So it is good to see. Not everyone likes it as a percentage. So if you look at the column in front of that, you'll see total earnings as a dollar figure.\n\nAnd the number you should see there is 12,925 and $45.46 cents. Can you see that one there?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. So it shows you that your portfolio has made income plus growth within the last twelve months of $12,925.46 there. And then since\n\nChannel 1: Mhmm.\n\nChannel 0: then, we've had a bit more growth on top of it. So your portfolio, sorry, has generated a further, a higher return there as well. So it is really good to see. We are on track for sort of moving forward there a little bit. But but, admittedly, and I'm honest, the return is a bit lower than where we would like\n\nChannel 1: Yeah.\n\nChannel 0: for the with everything that's been going on globally. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. Now one of the things that I also look at, and I had a bit of a look at your portfolio earlier, if you scroll back to just the first page there for me,\n\nChannel 1: Yeah.\n\nChannel 0: we've got in your performance report in the first page all the individual investments that you do have within your portfolio. You'll see at the top there, you've got some Benelon Australian equities, some bank hybrids, some cybersecurity. You've got the QR, which is the Raffi 200. You've also got some battery lithium tech, some physical gold, some bonds, some s and p\n\nChannel 1: Uh-huh.\n\nChannel 0: 500, that's some American exposure, and then some property at the very bottom there. If you look at the second last column at the other end there, you'll see the internal rate of return, and this is showing you how all the individual investments have performed individually in the portfolio. Realistically, all of them have performed really, really well except for essentially two. The Ben along Australian Equities is showing it's down by about 23.55%. So that could definitely be having an effect on holding your portfolio back a little bit.\n\nSo when I reviewed things\n\nChannel 1: Yep.\n\nChannel 0: before calling you, I had decided I already wanted to look at switching this one out for you. So I do wanna update some advice, look at removing the underperforming investment. Also\n\nChannel 1: Mhmm.\n\nChannel 0: probably looking at removing the property if it's not performing very well as well, because it's also down by 1.85. So I'd probably like to just make some changes if you're comfortable with me reviewing the super and the investments and maybe just updating your portfolio and doing a bit of switch out to make sure things are working better for you and updating the portfolio to reflect changes in the market conditions. Does that make sense? Do you have any questions? Are you comfortable with that?\n\nChannel 1: Yeah. No. I'm comfortable with that too. Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: no. It's good that you've explained that. So yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. That'll be great.\n\nChannel 0: Beautiful. Beautiful. So sorry. I just had a quick drink of water. I do apologize.\n\nDo you have any questions? Does all of that make any sense? Is there any anything on those reports that kind of you had additional questions on or would like me to maybe answer there for you additionally?\n\nChannel 1: No. No. No. That's that's good now. You've been really detailed,\n\nChannel 0: Yeah.\n\nChannel 1: so that's good now.\n\nChannel 0: Beautiful. Fantastic. If you ever find you do get these reports and you're a bit confused or had any additional questions, please let me know. Part of what I love about being an adviser is the educational value because, you know, none of us grew up understanding or learning any of this at school. So if you do wanna, you know, have any questions or learn anything additional, please let me know.\n\nI love to break things down and and definitely have a look at it. I have been updating a lot of the portfolios over the past few months there and have been able to remove and along and find more cost effective ways of investing.\n\nChannel 1: Mhmm.\n\nChannel 0: There are a couple of different ways to invest, and I've got a few different portfolios that we can realistically look at. Just wanted to sort of when we look at the way you can invest all the different investment styles, there's two main styles of investing. One of those is an active management style. An active management style is having in there. So Bannalong is an active managed fund.\n\nThe manager of that fund is supposed to be trying to buy and sell and outperform against the market, but they haven't been able to do so due to the underlying\n\nChannel 1: No.\n\nChannel 0: issues. Did you want me to look at replacing that with something similar to Banyan that maybe has that active management in it, or would you like me to just look at investment that might be cheaper, save fees, maybe more passively invested? So passive investments distract the market. And more often than not, over time, passive investments actually do outperform active managers. Do you have any more\n\nChannel 1: No.\n\nChannel 0: questions?\n\nChannel 1: Probably something like yeah. Maybe someone some another company like Ben Along maybe. Because I think, yeah, I wanted to be a little bit just not too aggressive\n\nChannel 0: Yep.\n\nChannel 1: in in the best of investment, but maybe see in between. So not so much passive, but in between.\n\nChannel 0: Yeah. Yeah. So you would like to have a portfolio that maybe has some active management in it for\n\nChannel 1: Yeah.\n\nChannel 0: you. Is that right? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. I do have an option where I can include a little bit of an active manager in there for you. It's absolutely not a problem. Now just sort of having a look, and one of the things we do like to look at when we're talking about investments and risk level is your goals.\n\nSo having a look at things at the moment, Angela, now we originally had here that you were hoping to be able to access super and retire around about the age of 60. Is that still\n\nChannel 1: Mhmm.\n\nChannel 0: your goal age there for TriNet wanting to access super?\n\nChannel 1: Yeah. Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: still yeah. I'll go. Yeah.\n\nChannel 0: Yeah. Beautiful. Now given your age, so you're 42 this year.\n\nChannel 1: Mhmm.\n\nChannel 0: 41 currently. I'm the same age as you, so please don't feel like I'm making you feel older than you are. But it does essentially mean that you have about eighteen years until you're able to retire.\n\nChannel 1: Mhmm.\n\nChannel 0: Being in that growth portfolio environment and having an active manager in your portfolio, it still still suit sorry. It still suits your time horizon. So because you have eighteen years towards before you're able to access your super at this stage, you do\n\nChannel 1: Mhmm.\n\nChannel 0: have you are able to take on a little bit more risk in the market. If you were, say, about five or six years away from retiring, I'd be suggesting we very heavily reduce risk level and maybe not have that active style in there. But if\n\nChannel 1: Mhmm.\n\nChannel 0: you're comfortable with taking on a little bit of extra risk in the market and maybe having an active manager and they're trying to outperform against the market, I'm absolutely happy to do that. Is that where you'd like me to sort of look at portfolio wise for you?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Beautiful. Do you have any questions? I know I can go through quite a lot, and I try to make it as less complex as possible. But is there any questions?\n\nDid you want me to break anything down more for you? Does that all make sense?\n\nChannel 1: No. No. It makes sense because yeah. No. At the moment, I don't have any questions.\n\nBut if I\n\nChannel 0: That's\n\nChannel 1: do,\n\nChannel 0: okay.\n\nChannel 1: I'll I can always ring up ring back\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Absolutely. Most definitely. Not a problem at all. Well, what\n\nChannel 1: ask.\n\nChannel 0: I'll do is I'll go back and have a look at your suit and the investments there. I'll definitely look at maybe replacing some the Ben along with something else that we have more of\n\nChannel 1: Yeah.\n\nChannel 0: an actively managed fund towards. And I'll also consider passive investments that are working harder, see if I can reduce the investment cost within your fund as well. You know,\n\nChannel 1: Mhmm.\n\nChannel 0: having more money invested for you works harder for your retirement. So I'll see what I can do with the portfolio to incorporate that passive invest sorry, active investing style as well\n\nChannel 1: Yep.\n\nChannel 0: as try to, you know, limit the cost to make sure your the portfolio has shown great past performance. Okay?\n\nChannel 1: Yeah. Mhmm.\n\nChannel 0: Fantastic. Well, I'm really happy with how things have performed. We definitely wanna keep building on that and compounding things moving forward. Just wanted to also go over and have a chat about your insurances. Now\n\nChannel 1: Yeah.\n\nChannel 0: with your insurance cover\n\nChannel 1: Mhmm.\n\nChannel 0: sorry. Is Sergei is Sergei at home now? I can hear\n\nChannel 1: Sorry.\n\nChannel 0: him in the background.\n\nChannel 1: I'm so sorry. Yep. So, guys, can you just keep us down? No. It's just my\n\nChannel 0: Oh\n\nChannel 1: son\n\nChannel 0: god.\n\nChannel 1: just talking.\n\nChannel 0: Oh,\n\nChannel 1: So\n\nChannel 0: okay.\n\nChannel 1: but Sergei\n\nChannel 0: No. That's\n\nChannel 1: is home. Yes. He's just gotten home.\n\nChannel 0: fine. That's okay. We'll let him do what he needs to before he jumps onto the call. No issues at all. Sorry.\n\nI thought I wasn't sure, and I thought I should just quickly pause for you. But, honestly, it's all good. If you need to stop for the kids, it's totally fine.\n\nChannel 1: No. No. Sergei's come home, and my son's just telling him about his day. All.\n\nChannel 0: Oh, that's really wait. No. Please don't ever apologize. That's beautiful. You've probably\n\nChannel 1: Sorry.\n\nChannel 0: had some great things occur.\n\nChannel 1: Yeah.\n\nChannel 0: All good. Now with your insurances, when we sort of went through the advice of you, is that we looked at just keeping group cover for you due to the pre assessments. New cover was gonna be very expensive and very hard to obtain. So when we look at your life cover, if you were to, say, pass away today, the\n\nChannel 1: Mhmm.\n\nChannel 0: life cover pays out a lump sum benefit of 206,741 and 18¢. But then your super is also paid out on top of that. So if I factor all of that in sorry. I'm just doing some really quick math here for you as well. Alright.\n\nTwo. Beautiful. So if we sort of thought about your insurance cover, if you were to pass away today, with\n\nChannel 1: Mhmm.\n\nChannel 0: your life cover plus your current super balance, all up, the amount paid out would be about 397,475.\n\nChannel 1: Mhmm.\n\nChannel 0: Are you fairly happy with that amount? Did you wanna look at altering that, and what, you know, what would you essentially want that to pay off or pay out to?\n\nChannel 1: No. I think it's just to me, you know, I'm happy with anything over 100,\n\nChannel 0: Mhmm.\n\nChannel 1: so that's really good. And it's just to make sure that they are comfortable or can get on their feet\n\nChannel 0: Yep. Yep.\n\nChannel 1: until they find their feet too.\n\nChannel 0: Okay.\n\nChannel 1: So yeah.\n\nChannel 0: Yep. Beautiful. So you're happy with them receiving anything\n\nChannel 1: Mhmm.\n\nChannel 0: over, say, 100,000 as a\n\nChannel 1: Yeah.\n\nChannel 0: life benefit in the event that you passed away? Yep.\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. Now you don't have any TBD covers. The TBD is total permanent disability, and it can pay out either a lump sum benefit or an income stream in the event that you're not able to ever go back to work again. We don't have any TBD. I'm more than happy to go back and see if we're able to obtain something for you based on your circumstances.\n\nBut is having disability cover important to you, or you're just not worried about it? Like, what would happen if you were unable to go back to work ever again? Does Sergio's income cover the bills? Or\n\nChannel 1: I think, yeah, look, I've got my daughter too. You know, she she works too. So, yeah, I I don't think I mean, nobody really knows, but, like, I I\n\nChannel 0: No.\n\nChannel 1: don't think like, right now,\n\nChannel 0: Yes.\n\nChannel 1: this disabilities is a priority. And if\n\nChannel 0: Okay.\n\nChannel 1: something was to happen, I think the two of us or the three of well, all three of us could manage to pay bills or get around\n\nChannel 0: Yep. Yep.\n\nChannel 1: again.\n\nChannel 0: Absolutely fine. Not a problem at all. Excellent. And, look, the other thing to sorta consider is that if you are unable to ever go back to work again, say you, you know, broke your back or you had a car accident, could never go back to your role again, as long as\n\nChannel 1: Mhmm.\n\nChannel 0: the doctors are willing to say that your total you've got total incapacity, we can also also claim against your super. So that would be an extra 190,000 that we can release. Being as\n\nChannel 1: Mhmm.\n\nChannel 0: you are under the age of 60, unfortunately, it does become taxable, but we, as advisers, can look at what we can do to sort of help you along\n\nChannel 1: Okay.\n\nChannel 0: those lines to minimize the amount of tax. But you can\n\nChannel 1: Mhmm.\n\nChannel 0: get access to your super in that instance. So if anything was to happen, just feel free to let please let us know. We'll look at what we can help you to claim on. And if you ever decided that you did maybe need to look at, TBD insurance, let me know. I'm more than happy to go back, and we can assess your health and then and see what kind of contracts might be on offer there.\n\nIs that okay?\n\nChannel 1: Okay. Yeah. That's fine. Thank you.\n\nChannel 0: Beautiful. Excellent. The other type of insurance you do have is income protection. So at the moment, you've got a a monthly benefit payable in the event of being off work due to illness or injury in the short term of $1,113.91. I'm thinking\n\nChannel 1: Mhmm.\n\nChannel 0: about a $1,113 on a monthly basis if you were not able to go to work. Do you have much in the way of sick leave, annual leave, long service leave that you could also fall back on to provide additional benefit on top of the income protection payment?\n\nChannel 1: Sickly. Yeah. Not so much long service leave, but annual leave, I'd have to. So yeah.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Sorry. Did that correct me if I'm wrong. That income protection\n\nChannel 0: Sure. Sure.\n\nChannel 1: would be the ninety days waiting and five years benefit. So does that\n\nChannel 0: Yep.\n\nChannel 1: mean that it goes for five years? Or\n\nChannel 0: You can do. You're absolutely correct. Yes. So you just have to be off work for ninety days prior to being able to make a claim on\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: Right.\n\nChannel 0: income protection. And then you can be on a claim for up to five years to say if\n\nChannel 1: Right.\n\nChannel 0: you had a\n\nChannel 1: Mhmm.\n\nChannel 0: car accident and you broke your back and you were off work for, say, three or six months, you could be on the claim.\n\nChannel 1: Yeah.\n\nChannel 0: The amount paid out is pretax, so they do also tax you on that. So, say,\n\nChannel 1: Right.\n\nChannel 0: rough estimate might be about $900 on a monthly basis paid out to you.\n\nChannel 1: Yep.\n\nChannel 0: But in that instance, with Sergio still working and you mentioned your daughter also works, does that\n\nChannel 1: Mhmm.\n\nChannel 0: amount feel sufficient? Would you wanna look at trying to increase that to meet more of your needs, or are you fairly happy with that income protection level that you have?\n\nChannel 1: I think I should be yeah. Like, if there was an increase, what would that look like? Like, if you were like, oh, okay. I wanted to maybe go up to 1,300, for example, or\n\nChannel 0: I'd\n\nChannel 1: one\n\nChannel 0: have\n\nChannel 1: thousand\n\nChannel 0: to have a look\n\nChannel 1: five\n\nChannel 0: at\n\nChannel 1: 100.\n\nChannel 0: the yeah. You're right. I'd have to have a look at the quotes and find out what that\n\nChannel 1: Right.\n\nChannel 0: might look like. I could, if you wanted me to, go through as part of the advice and maybe make a recommendation to increase the income protection to be more in line with needs and show you the cost and the effect on your super if you wanted to. Would you\n\nChannel 1: Mhmm.\n\nChannel 0: like me to do that for you as part of the advice document?\n\nChannel 1: Yeah. Just just to see what it looks like. And then, I mean, that would be our option as to going ahead and right.\n\nChannel 0: Yep.\n\nChannel 1: Like, if if we like that\n\nChannel 0: Yeah.\n\nChannel 1: quote, then we'll go ahead with it. If not,\n\nChannel 0: Yeah.\n\nChannel 1: we just kinda leave it. Is that right?\n\nChannel 0: Yeah. I'm just\n\nChannel 1: Okay.\n\nChannel 0: pulling up the pre assessment details that we completed a while back just to sort of look and see what might have changed in your circumstances there because the pre your pre assessment that we completed would definitely give me an indication of why we weren't able to get additional cover on top of this. Sorry. It won't be a second. I'm just looking for the\n\nChannel 1: Mhmm.\n\nChannel 0: workbook.\n\nChannel 1: Yeah. Completely.\n\nChannel 0: Let's have a look. It's around December. All good. But, yeah, if I include that into the advice, if that's sort of what you're after, then you can sort of see not just the cost of the premium, but\n\nChannel 1: Mhmm.\n\nChannel 0: also how what kind of effect that has on you because in the insurances are also paid out of super. So it can over the next sort of couple of years also have an effect on your super there. It looks like I don't have much in the way of previous information on the health side of things. Sorry. I'm just going back through our records.\n\nAnd we've had a system change since we last sort of went through things you. So I'm trying\n\nChannel 1: Okay.\n\nChannel 0: to kinda go back through the old system. I do apologize about that.\n\nChannel 1: No. That's alright. Look, from the top of my head, I'm pretty sure they didn't wanna give me coverage. But some I\n\nChannel 0: Mhmm.\n\nChannel 1: can't remember why.\n\nChannel 0: Yeah.\n\nChannel 1: Like, jail coverage, I can't remember. Like, I'm just this is vaguely remembering some stuff.\n\nChannel 0: That's like I think it was, like, the end of twenty twenty three that we kinda went through 2023, '24 that we went through and kind of re onboarded everything and\n\nChannel 1: Yeah.\n\nChannel 0: adjusted it all. What I would probably like to do, if you're comfortable with that, is I'd love to do another pre assessment for you. So get one of my beautiful team members to give you a call next week, get her to do a quick five minute pre assessment with you just so I can have a look at, you know, what kind of contracts might be on offer, what the cost might be, and look at how we can look at increasing the income protection for you. Does that sound okay\n\nChannel 1: Yeah.\n\nChannel 0: with you, Angela?\n\nChannel 1: Yeah. Yeah. That'll be\n\nChannel 0: Yep.\n\nChannel 1: great.\n\nChannel 0: Fantastic. And then they'll give me some updated records to work on for you too, which is really great. You may may have mentioned that with income protection, you can be covered for up to 70% of your gross income, so pretax\n\nChannel 1: Mhmm.\n\nChannel 0: income. Did you want me to look at increasing it up to the maximum that you can be on to kinda give your family the best possible expenses to outcome in the event, or is there a certain amount, like you said, one point, you know, 1,500 on a monthly basis you'd be fairly comfortable with, what would you sort of think or feel?\n\nChannel 1: Look. Honestly, I think one try because it's monthly, isn't it? I just realized\n\nChannel 0: It\n\nChannel 1: that.\n\nChannel 0: is yeah. And it's gross. So it does also have an effect like, it's also considered a taxable income.\n\nChannel 1: Yeah. Have a look. If you could have a look and see if you can get the the maximum. If\n\nChannel 0: Yep.\n\nChannel 1: not, anything over 1,000 is is already helpful.\n\nChannel 0: Yep. So what say anything over 1,000 per week net, so after tax to make\n\nChannel 1: Yeah.\n\nChannel 0: it easier. Yep. Yeah. Absolutely. Not a problem at all.\n\nSo I'll look at increasing the income protection. I'll look at all the options and see what we come out with. If\n\nChannel 1: Mhmm.\n\nChannel 0: for any reason I can't get another option for you, I'll come back and have that conversation prior to us, going to the advice document just to make sure that you're aware of everything and talk about what your options might be moving forward. Okay? Fantastic. Now there are other types of insurances, and, look, honestly, we can insure everything to the health. Your main personal insurances are life TBD income protection.\n\nYou can also hold other covers like trauma. So trauma pays out a lump sum tax free benefit if you are, say, diagnosed\n\nChannel 1: No.\n\nChannel 0: with, say, Parkinson's, MS. Cancer's a big one. People claim trauma for strokes and heart attacks as well. The\n\nChannel 1: Mhmm.\n\nChannel 0: main difference with trauma versus life TV and income protection is trauma is an out of pocket cost. You can't actually pay for trauma inside super. Did you feel like you would like to get some additional coverage, say trauma as an additional benefit, or are you happy just with what you've got with the income protection in life and look at increasing income protection? What's your thoughts there?\n\nChannel 1: I think probably increasing the protection, but I'm happy with just the the protection at the moment as\n\nChannel 0: Yep.\n\nChannel 1: opposed\n\nChannel 0: So\n\nChannel 1: to\n\nChannel 0: sorry.\n\nChannel 1: adding the mental. Yes.\n\nChannel 0: Absolutely. So you're happy with the income protection side of things to cover\n\nChannel 1: Yes.\n\nChannel 0: your income. Happy to increase that. Happy to keep the life. You're not worried about CBD or\n\nChannel 1: Yes.\n\nChannel 0: any\n\nChannel 1: None.\n\nChannel 0: trauma benefit. Yep. That's\n\nChannel 1: None.\n\nChannel 0: okay. Beautiful. Absolutely fine. And there are additional, like, child benefits and things like that. How many kids do you and Sergio actually have?\n\nChannel 1: We have two,\n\nChannel 0: Yeah.\n\nChannel 1: but, I mean, they're already much older. I mean, my oldest is 21, and and the youngest\n\nChannel 0: Wow.\n\nChannel 1: is just 14. 14.\n\nChannel 0: Oh, wow. 14 years of age. Beautiful. And\n\nChannel 1: Yeah.\n\nChannel 0: so your son's 14. Your daughter's 21. Is that right?\n\nChannel 1: Yes. Yes. That's right.\n\nChannel 0: Yep. Yep. Beautiful. I mean, mean, amazing ages. How is\n\nChannel 1: Okay.\n\nChannel 0: it with boys going through at teenage years? I'm about to do that. So anything you can give me advice wise will be perfect.\n\nChannel 1: I think I'm in a very trialing stage right now. I can tell you that that's for sure. I think a lot of hormones\n\nChannel 0: Oh,\n\nChannel 1: there's a lot of hormone hijacking.\n\nChannel 0: wow.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: you're working a lot with those hormones, and I think it's just being patient. I think that's\n\nChannel 0: Oh,\n\nChannel 1: my best advice I can give you.\n\nChannel 0: yep. Yep. Thank you for that. Yes. I'm about to hit those teenage years with my son.\n\nI have not done boys before. I had girls. So\n\nChannel 1: That's\n\nChannel 0: I've\n\nChannel 1: right.\n\nChannel 0: been asking all my friends, like, how was it? What did you do? How did you deal with it?\n\nChannel 1: I mean, I had such a beautiful textbook. I mean, she still is quite as beautiful, but very textbooky. You know? This is what happens\n\nChannel 0: Yeah.\n\nChannel 1: in puberty. She was very textbook. And then\n\nChannel 0: Yeah.\n\nChannel 1: I've never you know, then you had the boy and you're like, woah. So at the moment, it's a big roller coaster and and very trialing.\n\nChannel 0: Different. Goodness, ma'am. Well, I think you're doing amazing, and I hope you feel you're doing amazing. You're doing a great job. Excellent.\n\nChannel 1: Thank you.\n\nChannel 0: No. All good. We'll look down the track if the kids ever wanted to talk about additional insurances, life cover, and things like that. We can certainly look at helping them out. Your daughter is a bit older for child cover, so there are additional, you know, insurances aside from what you have for yourself that you can put in place to cover your children as well.\n\nYour daughter being 21 is a bit over the age to get child cover, and your son is almost the cutoff point for child cover entry as well. So but it's\n\nChannel 1: Mhmm.\n\nChannel 0: just it's more just a lot of people tend to have those sorts of things to cover, you know, their children if they were to, heaven forbid, for you know, pass away, or\n\nChannel 1: Yes.\n\nChannel 0: we have had clients where their kids have been diagnosed with cancer or a major illness of some sort, and they've claimed on that child trauma policy to kind of provide\n\nChannel 1: Mhmm.\n\nChannel 0: a little bit of extra benefit allowing them to take time off while their kids are seeking treatment. So there's all those other options, but, yeah, your son is almost at that cutoff point. Your daughter's a little bit too old for those there.\n\nChannel 1: Mhmm.\n\nChannel 0: But down the track, if they ever decide they wanna look at life insurance and things like that, you're welcome to direct them our way, and we're certainly able to help them in that aspect as well. Okay?\n\nChannel 1: Fantastic. Yep. Thank you.\n\nChannel 0: Excellent. Beautiful. So we've gone through your super and your life cover and income protection side of things. I've got a really good idea of what we'll do moving forward, and I'll make sure before the end of the call I book you in to have a pre assessment with my colleague and my admin\n\nChannel 1: Mhmm.\n\nChannel 0: team here. Just to sort of update a few additional details for yourself, Angela, Income wise, we had you on about 100,000 last year. Is that still correct or if you had a pay rise since we last caught up?\n\nChannel 1: No. It's still the same, I think.\n\nChannel 0: Yep. Yep. Beautiful. And I also had expenditure wise. So you guys were able to save about $600 on a weekly basis from your income.\n\nAre you still finding that that is possible, or has things changed a little bit with your savings and your expenditure recently?\n\nChannel 1: No. That's still possible. That's still\n\nChannel 0: Still\n\nChannel 1: yeah.\n\nChannel 0: possible?\n\nChannel 1: Still possible.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Excellent. And you're still down as a a nurse educational officer with TAFE New South Wales. Is that still correct?\n\nChannel 1: Yep. That's still correct.\n\nChannel 0: Beautiful. And I've also got your car down here with an asset value of 32,000. What sort of car do you drive?\n\nChannel 1: It should be a Kia Sportage.\n\nChannel 0: Beautiful. Lovely. And would you still value that at 32,000, do you think?\n\nChannel 1: Oh, I think that's what we have for, like, insured. Like, if it\n\nChannel 0: Yeah.\n\nChannel 1: if there was\n\nChannel 0: Yep.\n\nChannel 1: something to happen, yeah, that's what we'd yeah. We have it insured as market value, I think.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Beautiful.\n\nChannel 1: I don't know whether it's at 32. Yeah.\n\nChannel 0: That's okay. And with the debt value, we had you guys owed about 25,000 on that vehicle. Do you still have a loan on the car?\n\nChannel 1: Yes. We still do.\n\nChannel 0: Yep. Beautiful. And is it still valued sorry. The loan's still about 25,000, or have you been able to reduce that since then?\n\nChannel 1: I think you've been able to do so. I'm just gonna ask my husband.\n\nChannel 0: Yeah. You're fine.\n\nChannel 1: Sorry. What did sorry, Dana. What what was did you have on record? How much it was again?\n\nChannel 0: The loan, 25,000.\n\nChannel 1: 25. It it should be down there, shouldn't it? Well, I would honestly, I can't remember because\n\nChannel 0: That's\n\nChannel 1: what\n\nChannel 0: okay.\n\nChannel 1: we what we did last year is we what's the word? No. I can't remember. It's at the tip of my tongue. So when we\n\nChannel 0: Did you consolidate it into your loan?\n\nChannel 1: yes. That's it. We consolidated\n\nChannel 0: Yes.\n\nChannel 1: into all our loans. So we've got\n\nChannel 0: Yep.\n\nChannel 1: two state loans. So that's so I'm gonna say maybe it's about 20 now.\n\nChannel 0: Yep. That's okay. Not a problem at all. So when consolidated into your home loan, what\n\nChannel 1: Yep.\n\nChannel 0: does that mean you owe on your home loan now?\n\nChannel 1: My husband is trying to go on to the app, but I've got I've lost access to it. So\n\nChannel 0: Oh, no.\n\nChannel 1: yeah. Well, I forgot the password. So but do you know how much the home loan ended up being altogether altogether when we when we did the when we did the refinancing. With the car loan and everything. Car loan wasn't that much?\n\nThat. Here. Yes. Hold on. Oh, I can't really I can't remember.\n\nI'm so sorry, Dana.\n\nChannel 0: No. That's okay. That's alright. We had about six\n\nChannel 1: I'm\n\nChannel 0: six\n\nChannel 1: trying\n\nChannel 0: 120\n\nChannel 1: to\n\nChannel 0: five\n\nChannel 1: I\n\nChannel 0: thousand here last year. Do you think it'd be roughly around the same with the consolidation, or do you think it might have increased\n\nChannel 1: I think\n\nChannel 0: by\n\nChannel 1: for\n\nChannel 0: about\n\nChannel 1: both\n\nChannel 0: 20\n\nChannel 1: cars,\n\nChannel 0: or thousand?\n\nChannel 1: roughly around twenty five days. So my husband was saying for both the cars, he reckons it's about 25 for both cards because we consolidated both cards.\n\nChannel 0: Okay. Beautiful. Because, yeah, I had about $6.25 here\n\nChannel 1: Yeah.\n\nChannel 0: from the last valuation. So do you think I just add the extra sort of 25,000 on\n\nChannel 1: Yeah.\n\nChannel 0: top of that to give the rough valuation for the mortgage?\n\nChannel 1: Yes. I think so.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yeah. I was on the side of it. It's not together.\n\nChannel 0: That's okay. Not a problem. All all good. Thank you for updating that. And what kind of car does Sergio drive?\n\nChannel 1: He drives a Toyota Corolla\n\nChannel 0: Corolla. Beautiful. Hatchback.\n\nChannel 1: hatchback. What was the value that you can put on your on the car now? It's still market value, but I don't know. We we do put it at market value. So,\n\nChannel 0: That's\n\nChannel 1: yeah, it depends on what it's worth now, I guess.\n\nChannel 0: That's okay. I I can always have a look at, you know, the rough valuation of that make\n\nChannel 1: Yeah.\n\nChannel 0: and model if you like to see what the average would be. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: What year model is it?\n\nChannel 1: What year and model is it? I think 2016. 2016?\n\nChannel 0: Yep.\n\nChannel 1: It it's give or take 2015, 2016, one of those that\n\nChannel 0: Yep.\n\nChannel 1: and it's a Toyota Corolla hatchback. Yeah?\n\nChannel 0: Beautiful. Beautiful. Is it like a sports or anything fancy, or is it just more of the standard?\n\nChannel 1: I think it's just a standard. I don't think it's a sports.\n\nChannel 0: Nope. That's okay. Beautiful. I can go back and have a look. I've got a few options for looking at research data on those sorts of things.\n\nTo look at the average valuation, it's not a problem\n\nChannel 1: Mhmm.\n\nChannel 0: at all. And assets wise, do you have any other assets, any other shares, cryptocurrency, collections, or anything else of value that you guys would note down?\n\nChannel 1: No. We don't.\n\nChannel 0: No. That's okay. Another one I like to note down is contents. Because, realistically, if you think about something happens, if you tip your house upside down and everything fell out, that's all considered content. And we ensure that to make sure it's it's covered in the event that something happened to our home.\n\nChannel 1: Mhmm.\n\nChannel 0: Do you have contents insurance? Or\n\nChannel 1: No.\n\nChannel 0: nope. That's okay. Do do you know what you might value your contents at if you had to sort of replace everything? If you're\n\nChannel 1: Everything\n\nChannel 0: not sure, that's okay. Yeah.\n\nChannel 1: everything in the household.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Sorry.\n\nChannel 1: maybe\n\nChannel 0: I\n\nChannel 1: the\n\nChannel 0: asked all the tough\n\nChannel 1: clothes?\n\nChannel 0: questions.\n\nChannel 1: Yeah. It's including the clothing, jewelry, house, like, appliance,\n\nChannel 0: Yeah.\n\nChannel 1: television, and everything.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, I don't know. Yeah. Yeah. Yeah. Yeah.\n\nYeah. I'm just I'm the 15,000. Yeah. I was gonna say between 5 to 10,000,\n\nChannel 0: Yeah. So\n\nChannel 1: but that\n\nChannel 0: to give\n\nChannel 1: that\n\nChannel 0: you a\n\nChannel 1: might\n\nChannel 0: bit of an\n\nChannel 1: be very\n\nChannel 0: idea,\n\nChannel 1: good.\n\nChannel 0: the average contents replacement costs for an average household in Australia is around but it's between 80,000 to a 150\n\nChannel 1: Wow.\n\nChannel 0: thousand.\n\nChannel 1: Really?\n\nChannel 0: Yeah.\n\nChannel 1: Oh,\n\nChannel 0: Yeah.\n\nChannel 1: gosh.\n\nChannel 0: Yeah. They estimate that if you had to replace everything, so your house burned down or something happened, the average cost of replacing everything in your household from your cutlery, your underwear,\n\nChannel 1: Oh,\n\nChannel 0: your kids' clothes, your TVs, everything could be anywhere from 80 to a $150,000.\n\nChannel 1: well. Oh, this this goes to show how much we work out.\n\nChannel 0: Yeah.\n\nChannel 1: We value our stuff. Okay. So\n\nChannel 0: Yeah.\n\nChannel 1: probably just maybe something in between there then, Dana, only because\n\nChannel 0: Yep.\n\nChannel 1: that's an average thing, isn't it?\n\nChannel 0: Yeah. I can put maybe a 100,000 for you if you\n\nChannel 1: Yeah.\n\nChannel 0: like this sort of note in average. Yeah. Absolutely. Perfect. Fantastic.\n\nChannel 1: Yeah. Oh, so I I've just had a look. I've been able to log in to the little app for my\n\nChannel 0: Okay.\n\nChannel 1: for my loan. It says loan amount, 561.730.\n\nChannel 0: Oh, much lower than we thought. Fantastic. 561. I love that. Fantastic.\n\nChannel 1: 561. 561. Sorry.\n\nChannel 0: Yep. Fantastic. Well, that's really good to know. Beautiful. And thank you for updating all those details.\n\nI will just convert that information over to back find there as well. Is\n\nChannel 1: Mhmm.\n\nChannel 0: he available to jump on the call with us now so we can kinda go through his super insurance details as well?\n\nChannel 1: Yes. Yeah?\n\nChannel 0: Hi, Sergio. I'm\n\nChannel 1: Hello?\n\nChannel 0: Dana. It's lovely to meet you. How are you?\n\nChannel 1: Good. Good. Nice to meet you too.\n\nChannel 0: Yeah. Did you have a good day at work?\n\nChannel 1: Yeah. Not bad.\n\nChannel 0: Oh, that's good. That's good. Thank you so much for jumping on to your annual review there. So, dear, I before I jump into the go through things with you, I do have to let yourself know that we do record our calls for quality and training purposes. Are you happy for me to continue recording the call?\n\nChannel 1: Yep. That's the\n\nChannel 0: Beautiful. And I am going through your personal information. So\n\nChannel 1: one.\n\nChannel 0: I just need to confirm your date of birth and address I should have on file for you as a quick security check there as well.\n\nChannel 1: 08/01/1984,\n\nChannel 0: Yep.\n\nChannel 1: Line 49 Strike 49, Cambridge Street,\n\nChannel 0: Beautiful.\n\nChannel 1: Oxley\n\nChannel 0: Lovely.\n\nChannel 1: Park. Yes.\n\nChannel 0: Beautiful. Thank you so much for that, and happy birthday for seventeen days ago. I hope you had a good day.\n\nChannel 1: I was. It was good. Thank you.\n\nChannel 0: No worries. All good. So now I did send through some documents to your email giving you an update on your super and insurances. Are you able to log in to your emails? If you can't, they are also attached to Angela's email there.\n\nIt's up to you how you'd like to go through those, or I'm happy just to give you the information. What would you like to do?\n\nChannel 1: No. Just give me the information.\n\nChannel 0: Yeah. No worries at all. Easy. So, Sergio, with your super balance, this time last year, your super balance was sitting at 68,438 and 71¢. As of this year, and I'm just giving you because these documents were prepared just a couple of weeks ago there.\n\nSo your super balance as of the July 24 was sitting there at 72,230 and 24¢. And then just checking it from today's value because it has changed. You're now up to 75,739, so it's great. You've had some additional\n\nChannel 1: I\n\nChannel 0: growth in there on your super, which is fantastic. When we when we look at how things\n\nChannel 1: know.\n\nChannel 0: have performed over the course of the last twelve months, now you're super whilst you have made some good growth there, overall, we when we think about the growth and the income, you're actually down. It's just sort of down under about 1%, so 0.52%. So it is being held back a little bit by, obviously, market reactions. You've had you know, your super balances increase. You've had some income reduces there.\n\nBut overall, the growth is showing it's down a little bit. As the as this sort of went through with Angela, I have sort of noticed there are some investments that are underperforming in your super. So I would like to update the advice for you and look at removing those investments and replacing them with something else, making sure things are working harder for you. Are you comfortable with that, and do you have any additional questions there at all?\n\nChannel 1: No. I'm comfortable. Whatever you guys decide,\n\nChannel 0: Yeah. Yep.\n\nChannel 1: as\n\nChannel 0: Yep.\n\nChannel 1: long\n\nChannel 0: You\n\nChannel 1: as it's it's the best for me in the future,\n\nChannel 0: yeah.\n\nChannel 1: that's all that matters.\n\nChannel 0: Absolutely. Absolutely. I wanna make sure things are definitely working harder for you. And I think one of the things to sorta consider the difference being between yourself and Angela there is that you are in different risk profiles as well. So she's more growth, whereas you're more high growth.\n\nSo you're actually\n\nChannel 1: Yeah.\n\nChannel 0: wanting to take on a little bit more risk in the market than where Angela is. So it does mean at times of ups and downs with the market is a bit more volatile that you are that you do have the risk of seeing more of a negative return over where she might not see one. So are you still comfortable taking on that sort of high growth environment taking on more risk, or would you like to sort of draw it back a little bit? Do you think what's your thoughts around\n\nChannel 1: No.\n\nChannel 0: that?\n\nChannel 1: No. I'm staying the same.\n\nChannel 0: Yeah. You're still happy\n\nChannel 1: Yeah.\n\nChannel 0: with that?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Before we end the call, I'll just run through a really quick risk profile questionnaire with each of you just to kind of gauge where you're both sitting risk wise just to make sure everything is on par. But, realistically, with your time horizon, you know, I've got here that your goal was that you're sort of hoping to access super around about the age of 60. Is that still correct for yourself, Sergio?\n\nChannel 1: Yeah. Yeah. If I you know, I'll just put it there. I don't know when I can retire in that time or not.\n\nChannel 0: Yep.\n\nChannel 1: Yeah, I would I would love to, you know, to retire by that age.\n\nChannel 0: Yep. Absolutely. Well, I mean, you do have eighteen years before accessing super. We can't access super until the age of 60. So\n\nChannel 1: Mhmm.\n\nChannel 0: I'll go back and look at maybe updating the advice. Are you both comfortable if I do this advice document together? So it's one advice document for both of you, or did you want separate advice pieces for each of you? What would you guys like?\n\nChannel 1: Hang on here.\n\nChannel 0: That's\n\nChannel 1: Let me ask him a while.\n\nChannel 0: you're right.\n\nChannel 1: Okay. Yeah. Oh, yes. Yes. We're all here.\n\nWe're both here.\n\nChannel 0: Oh, I'm so sorry. The phone sort\n\nChannel 1: That's\n\nChannel 0: of went\n\nChannel 1: okay.\n\nChannel 0: a little bit cut out. I could hear I couldn't hear much, and I was like, I'm not sure if you're both still there. So sorry.\n\nChannel 1: Uh-huh. No. That's alright.\n\nChannel 0: Apologize, Angela. With the advice piece there, if you like, I can do one advice document to both of you outlining the recommendations I'm making to both of you. Would you both be comfortable with me doing that, or would you like me to separate the advice into individual? What would you both like moving forward?\n\nChannel 1: Oh, no. I think we can have both the same or\n\nChannel 0: Yep. Yes.\n\nChannel 1: yeah.\n\nChannel 0: Absolute absolutely. I I can set the advice up so it's, you know, to both of you, and then we have individual recommendations within the advice piece, and we just go through that together. I\n\nChannel 1: Yes.\n\nChannel 0: do like to sort of incorporate that as a couple moving forward for a lot of aspects. I mean, you still got eighteen years ahead of you, before accessing through for this stage. But when you sort of think\n\nChannel 1: Mhmm.\n\nChannel 0: about it, the closer you both get to that retirement aspect, having advice done together does work well for you both because we will, as we get closer to retirement, wanna look at how to access those funds. And, you know, retirement itself does mean incorporating everything within both your supers plus all of your circumstances as a whole. So if\n\nChannel 1: Mhmm.\n\nChannel 0: you are comfortable with me consolidating the recommend like, the the advice document, I can do one advice document for both of you with separate recommendations within that to show you what I'm recommending, how, and why.\n\nChannel 1: Mhmm.\n\nChannel 0: But it just means it's one document, and it kinda outlines everything for the two of you. Are you both happy with that?\n\nChannel 1: Yeah. I'm happy with that. Yeah.\n\nChannel 0: Yep. Yep. Beautiful. Fantastic. So, dear, the other thing to sorta have a chat about there is your insurances.\n\nNow having a look at your insurances, your your cover is a little bit different to Angela's. You've got life cover, and it basically shows that if you were to pass away today, your life cover would pay out a benefit of 868,219. Now\n\nChannel 1: Okay.\n\nChannel 0: the other thing to remember is that if you were to pass away today, your life benefit is paid out, but then your super balance is also paid out on top of that. So we also then have an extra 79,000 in super there. So, realistically, in the event of you passing away today, your life cover and your super could pay out a benefit of over 947,000, which realistically could pay off the mortgage and then leave Angela with a little bit extra money to take some time off or to, you know, grieve and look after the kids and things like that. Are you happy with that level of cover? Did you wanna review that at all?\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: That's\n\nChannel 1: Mhmm.\n\nChannel 0: fine.\n\nChannel 1: I'm happy with\n\nChannel 0: Beautiful.\n\nChannel 1: that. Yeah.\n\nChannel 0: Beautiful. And I'm sorry for making the assumption, but just concerning, if you\n\nChannel 1: Yes. So if I yeah. If I've passed away, I've yeah. To Sergio.\n\nChannel 0: Yeah.\n\nChannel 1: Is is\n\nChannel 0: Yeah.\n\nChannel 1: that what you're saying?\n\nChannel 0: Yeah.\n\nChannel 1: What about in the event that we both pass or something happens to both of us?\n\nChannel 0: That's a really good question. And so with your your life benefit and your, super, we essentially put a beneficiary nomination on those products to show what happens if something happens to each of you. The\n\nChannel 1: Mhmm.\n\nChannel 0: other aspect is if something happens to both of you, that's where a will comes into play. Have you guys spoken to a solicitor or had a will drawn up in the past at all?\n\nChannel 1: No. We haven't.\n\nChannel 0: No. So it is definitely one thing to consider. So your super benefits and your life proceeds have beneficiaries to cover if one of you pass away. But then having a will drawn up by a solicitor\n\nChannel 1: Uh-huh.\n\nChannel 0: and having the direction that if anything happened to the two of you, then everything gets paid to your estate. But then how is it paid to your children? How are your children looked after? And having a guardianship in place as well. So your daughter's 21, but your son's still only 14, so he's, you know,\n\nChannel 1: Yeah.\n\nChannel 0: still technically a minor. So who would you trust to look\n\nChannel 1: Mhmm.\n\nChannel 0: after him, and how would you want all of your, you know, money paid out to look after them in the future.\n\nChannel 1: Okay.\n\nChannel 0: And that's something that is done by a qualified solicitor or a lawyer. You can also, depending on your comfort level, get a will kit drawn up. You can buy a will kit fairly simply from the post office about 30 or $35 currently. As long as\n\nChannel 1: Uh-huh.\n\nChannel 0: they are filled out correctly, they are valid. But, personally, I I prefer to go and see a qualified solicitor to draw up a will just so\n\nChannel 1: Yep.\n\nChannel 0: I know it's it's done with my direction. We've had a really good conversation of what happens if we pass away, and we understand what's happening with the kids. It considers this a guardianship aspect and also power of attorney. So\n\nChannel 1: K.\n\nChannel 0: if in the\n\nChannel 1: Uh-huh.\n\nChannel 0: event that you are unable\n\nChannel 1: Yeah.\n\nChannel 0: to make decisions on on your own behalf, who would you appoint to be your attorney to make decisions, and\n\nChannel 1: Yep.\n\nChannel 0: what would you how would you want them to act on your behalf as well? Does that\n\nChannel 1: Mhmm.\n\nChannel 0: make\n\nChannel 1: Mhmm.\n\nChannel 0: sense?\n\nChannel 1: Yeah. Yeah. No. That makes\n\nChannel 0: Yeah.\n\nChannel 1: sense. But on record, do you have any beneficiaries down?\n\nChannel 0: Let me just double check that one for you. So with Sergio so, Sergio, you're super. You've got a binding non lapsing beneficiary nomination, and you've nominated 50% of each of your benefits. So 50% of your super to go to Liam and Leila, each of your children. Are you wanting that updated to reflect being paid to Angela, or are you happy with that?\n\nChannel 1: Okay. Which one is, like, not complicated?\n\nChannel 0: And, actually, Angela, your super benefit's exactly the same way. So 50% paid to Liam and Leila in the event of your passing. So it basically means that if one of you pass away, the benefit bypasses, technically, the other person. Leila is entitled to 50% of the benefit and Liam 50% of the benefit. The way\n\nChannel 1: So that's\n\nChannel 0: this\n\nChannel 1: a\n\nChannel 0: would\n\nChannel 1: 100 percent, like, to\n\nChannel 0: yes.\n\nChannel 1: the kids?\n\nChannel 0: Yeah. Yeah. 50%\n\nChannel 1: Oh.\n\nChannel 0: to each child. Yeah. The way this would realistically work, like, Angela, if I use your super as a as a bit of a guide, if you were\n\nChannel 1: Mhmm.\n\nChannel 0: to pass away and say you've got your 190,000 in there,\n\nChannel 1: Uh-huh.\n\nChannel 0: Layla is your daughter. She's 21. Is that right?\n\nChannel 1: Yes.\n\nChannel 0: Yes. So if Layla is working and not a tax dependent on you, she receives 50% of that benefit, but she has to pay or she receives 50% of the benefit minus 17% for tax because tax is paid on that amount. Liam, as being 14 and being a minor,\n\nChannel 1: Mhmm.\n\nChannel 0: he technically wouldn't receive the benefit directly. It would go to his guardian, which would probably be Sergio. So that means Sergio would receive 50% of the benefits\n\nChannel 1: Right.\n\nChannel 0: for Liam. And because\n\nChannel 1: Yeah.\n\nChannel 0: they are technically tax dependent, they received the benefit tax free. So Leila would actually receive the benefit minus 17% tax. So she could\n\nChannel 1: Yeah.\n\nChannel 0: actually receive a lesser benefit. The other way that you can structure it is to have it paid directly to your partner. So you have\n\nChannel 1: Yeah.\n\nChannel 0: it paid to Sergio. Sergio have it all paid to you. Each person receives it a 100% tax free, and then you can distribute whatever you want to your children from that aspect. Does that make sense?\n\nChannel 1: Yeah. Yep. No. That makes sense.\n\nChannel 0: Yeah. State planning is very complex, and there are\n\nChannel 1: Yeah.\n\nChannel 0: tax\n\nChannel 1: Yeah.\n\nChannel 0: consequences depending on who you have it paid to, how old they are, whether they're tax dependent or not. It is quite\n\nChannel 1: Yeah.\n\nChannel 0: a complex area, unfortunately.\n\nChannel 1: Yeah. Look. I think the easiest way honestly, I think the easiest way is for it to go to the partner and then the partner just divide it there.\n\nChannel 0: Yeah.\n\nChannel 1: I yeah. I think when we planned for the for it to\n\nChannel 0: Yes.\n\nChannel 1: go to the kids, I think our mind was if we both were to go. So then, you know, both the kids would get $50.50. I think that's\n\nChannel 0: Yeah.\n\nChannel 1: probably why we said\n\nChannel 0: Yeah.\n\nChannel 1: for the both the kids. Yeah.\n\nChannel 0: Yeah. That's absolutely fine. So this is sort of just planning for if one of you passed away, what would you\n\nChannel 1: Yeah.\n\nChannel 0: want to happen to the proceeds? And\n\nChannel 1: Yep.\n\nChannel 0: then it's just important to maybe speak to a solicitor and draw up a will to reflect if something happened to reflect if something happened to both of you. That way, everything would be paid to your estate, and your kids could be looked after that way in the event of both of you something happened to both of you at the same time.\n\nChannel 1: Yeah.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. No. That makes perfect sense.\n\nChannel 0: Yep.\n\nChannel 1: So yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Can we just change it to just that it's\n\nChannel 0: Yeah.\n\nChannel 1: or direct to fill out a form or what happens there?\n\nChannel 0: It is a new beneficiary form. I can reflect that into the advice document for you just to outline\n\nChannel 1: Yeah.\n\nChannel 0: it all and kind of break it down so you can see it all on paper, and then we could\n\nChannel 1: Mhmm.\n\nChannel 0: absolutely do that. And\n\nChannel 1: Mhmm.\n\nChannel 0: we'll we'll get a new beneficiary form updated, and we're happy to help what we can to make it easier on the both of you. Does that sound\n\nChannel 1: Yep.\n\nChannel 0: okay?\n\nChannel 1: Yeah. That'll be great.\n\nChannel 0: Fantastic. So, Sergio, we've confirmed that your life insurance is fine. Your TBD cover, so total permanent disability, has the same level of cover. If you were never able to go back to work again, you're covered for 868,219. And, again, if you\n\nChannel 1: Okay.\n\nChannel 0: would never be able to go back to work again, we can also try to claim against this super. Now as I kind of just went through with Angela, TBD, if you're unable to go back to work ever again due to disability, unfortunately, it is taxed. So there could be tax on that payment. But do you feel like the level of cover you have is appropriate? Did you wanna look at reviewing that level of cover?\n\nChannel 1: I don't know. Maybe for now,\n\nChannel 0: Yeah.\n\nChannel 1: I just\n\nChannel 0: That's okay.\n\nChannel 1: stay that's okay.\n\nChannel 0: Yeah. So it just means that you're covered for about 868,000, plus your 79,000 of super to cover you. Do you feel like that's enough TB disability cover at the moment?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yep. That's okay. If you're ever talking about it and you wanna review that, you're both welcome to let me know. We can always have another conversation, talk about what your needs or what you want, and then kinda go from there. Okay?\n\nChannel 1: Okay. No worries.\n\nChannel 0: Excellent. Now you've also got income protection. Your income protection benefit just pays a monthly benefit pretax of 3,000\n\nChannel 1: Nice.\n\nChannel 0: 675. If you think about now your income I'm just grabbing your account. I do apologize. What is your current income? What are you earning at the moment?\n\nI think I had here last time you were on about\n\nChannel 1: I\n\nChannel 0: thousand.\n\nChannel 1: think 1,000 a week.\n\nChannel 0: Okay. Yeah. So a thousand is that 1,000 a week net or\n\nChannel 1: Yeah.\n\nChannel 0: gross? Yep.\n\nChannel 1: No. No.\n\nChannel 0: Net. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. That's okay. So, realistically, so your take home pay is about 52,000 per annum. So you're on just over 60,000 a year. Do you know have you done your tax or seen your final pay for last year?\n\nDo you know do you know what you earned last financial year total gross?\n\nChannel 1: Yeah. Because my work is up and down up and down. It's not the same all the time.\n\nChannel 0: Yeah.\n\nChannel 1: So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, sometimes it might go to 60, 62, and then maybe maybe next year different.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: So if we work on, say, $6,060,000 as a bit of a buffer there, with income protection, you can cover up to 70% of your income if you're off work due to illness or injury. So based on an income of 60,000, you would need to be covered for a monthly benefit of 3,500. So your monthly benefit that you're covered for of $3,006.07 5 is slightly over that, but it means that if your income is up to, say, 62 or 63,000, you have a a little bit more cover to, you know, to provide for expenses if you're not able to work. Does that make sense? Do you have questions?\n\nChannel 1: No. No.\n\nChannel 0: That that's okay. You are you happy with that level of cover for income protection?\n\nChannel 1: Yep.\n\nChannel 0: It's pretty well\n\nChannel 1: Three\n\nChannel 0: on par for what you're\n\nChannel 1: yeah.\n\nChannel 0: earning.\n\nChannel 1: 3 something a month.\n\nChannel 0: Yeah. Yeah. It is gross. So just like I kinda said to Angela, if you are on an income protection claim, realistically, you will pay tax on that. So the amount you receive is a little bit lower.\n\nBut, yeah, it it they kind of have to account for that. Unfortunately, insurances aren't all tax free. It's wrong. It shouldn't be that way. But, yeah, look.\n\nYou're covered for the monthly benefit of 3,675. And as long as you're comfortable with that, theoretically, you get on a monthly basis a little over 3,000. Do you think that would be fairly comfortable for you?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yes. Yep. That's okay. After the call, you're both welcome to sort of have a little chat about what we've gone through. If either of you find you have additional questions or need any additional information, if you like, I can also do up, like, a general email which is with the amount of cover that you both have and just a bit of a rundown on what those covers cover, just some general information to kinda give you a little bit of backup.\n\nWould you like me to do that for you after the call as well? Well?\n\nChannel 1: Yeah. That'll be great. Thank you.\n\nChannel 0: Yeah. Beautiful. Just because I know I go through a lot, so more than happy to break it down and send a bit of a recap just to go through the important things so you can sort of see it on paper and go, oh, maybe this isn't right. Maybe we do need to look at this, and you can always come back and let me know if there's more conversations to be had. Is that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Beautiful. Fantastic. So with I've updated a lot of the same things that we sort of spoke about, Angela, just with your expenditure and savings, you guys are able to save around about $600 on a weekly basis. Is that together between the two of you?\n\nChannel 1: Yes. I think so. Yeah.\n\nChannel 0: Yes. Yep. Beautiful. Excellent. Let's update that.\n\nI've updated all your assets and liabilities as well. Sergio, I've got you down as being a community care worker. Is that still fairly accurate for your title?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Fantastic. And I've got one dependent here, so two children. I've got your age to access the same. We're looking at age 60.\n\nI believe in retirement, the two of you were originally sort of looking at an income of about a thousand dollars a week. Would you be looking at maybe that from each of your supers, or would you be hoping to get that from both of them together, maybe a thousand dollars of income in retirement together? How would you sort of quantify\n\nChannel 1: Yeah.\n\nChannel 0: that?\n\nChannel 1: I think it was for the each of us. So 1,000\n\nChannel 0: Yep.\n\nChannel 1: for Sergio, 1,000 for myself.\n\nChannel 0: Yeah.\n\nChannel 1: I think if it was combined, I think I mean, with the cost of living of everything that's happening now, I mean, combined to live off 1,000 might be a little bit\n\nChannel 0: Absolutely.\n\nChannel 1: tight.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. No. Not a problem at all. We can certainly factor that in for you. I also had additional goals here in retirement wanting to be completely debt free.\n\nSo hoping to have the mortgage\n\nChannel 1: Yes.\n\nChannel 0: paid down by that time. Is that right?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. And then I've also got down here insurances we've gone through. In the next five years, you'd love to have another property purchase. Is that still maybe a goal that you do have together?\n\nOr\n\nChannel 1: Yeah. Yeah. Yep. That's why I think also why we've reached out to you. Yeah.\n\nChannel 0: yeah. Perfect. Not a problem at all. Excellent. And, Sergio, the only other thing to sort of talk about insurance wise is that you can get other types of insurance cover.\n\nSo things like trauma, which is paid out of your back pocket, but can pay out a lump sum tax free benefit in the event that you'll stay diagnosed with MS, Parkinson's, cancer, have a heart attack or a stroke. Did you wanna look at getting any additional trauma insurances, or you're happy with the life, the TBD, the income protection you have?\n\nChannel 1: I'm just happy with the one at the moment.\n\nChannel 0: I think you've got fantastic. Not a problem at all. Excellent. The other thing to sort of talk about is I had a note here that you both just so want wanted to ask more about additional investments and things like that. Feel free to go for it now.\n\nWhat can I help you with? What sort of questions did you have in relation to that that I can help you\n\nChannel 1: Just because I heard a lot of thing about, like, people using the super or the equity of the the house\n\nChannel 0: with?\n\nChannel 1: to buy\n\nChannel 0: Mhmm.\n\nChannel 1: another Property. Investment of property.\n\nChannel 0: Mhmm.\n\nChannel 1: And so I I just\n\nChannel 0: Yep.\n\nChannel 1: wanna know How can we go about that?\n\nChannel 0: All good. Sorry. The phone cut out. I do apologize. So you're sort of looking at ways to utilize your in order to buy property.\n\nIs that right?\n\nChannel 1: Oh, it's on the Speak. Hello, Jane. I'm sorry. Can you hear me?\n\nChannel 0: Hi. Yes. I\n\nChannel 1: I'm\n\nChannel 0: can. Yes.\n\nChannel 1: so sorry.\n\nChannel 0: I'm sorry.\n\nChannel 1: It tapped out because my daughter took my car, and the the the the Bluetooth jumped onto the car. I'm so sorry. I'm so\n\nChannel 0: No.\n\nChannel 1: sorry.\n\nChannel 0: Don't. It's honestly absolutely fine. That's not a problem at all. Honestly, it's all good. I just just to kind of recap the question that you both had.\n\nSo\n\nChannel 1: Yes.\n\nChannel 0: you're looking at ways to be able to utilize your super to maybe buy property. Is that\n\nChannel 1: Yes.\n\nChannel 0: right? Like, an investment property. Is that right?\n\nChannel 1: Yeah. And, like, we\n\nChannel 0: Yeah.\n\nChannel 1: obviously, we wanted to know our options because, like, if it's going to kind of, you know, limit our so, like, we obviously wanna retire at 60, but if we were going to go and do this investment property, does it gonna is it gonna extend our retirement age to, you know, an additional\n\nChannel 0: Mhmm.\n\nChannel 1: ten years or an additional five years or whatever it may be or\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: those kinds of folks.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Definitely. So, realistically, the only way that we did have to be able to use our super to buy an investment property was to have a self managed super fund. So in the super fund that you both have within hub twenty four, we're able to hold listed properties. So we can hold investments in property funds.\n\nIn order to buy an actual house, we we used to have to have a self managed super fund, and we used to be able to get a loan within that super fund where the super fund would own the house. The rent would pay that down and our contributions, and then by our time, we would have to sell the property or find a way to have the income cover, you know, our living expenses.\n\nChannel 1: Mhmm.\n\nChannel 0: Unfortunately, as of the last week of June,\n\nChannel 1: Mhmm.\n\nChannel 0: and as of essentially seven days ago now, the government has changed the rules on self managed super funds. So we can no longer hold a loan within a a super fund to hold residential properties. So they don't let us do that anymore. The only way you could hold have property within a self managed super fund now is to buy a commercial property and get a loan for that or to have enough money to buy the property outright, which don't quite have at the moment.\n\nChannel 1: No.\n\nChannel 0: So it means that, realistically, we can't use super to do that currently.\n\nChannel 1: Mhmm.\n\nChannel 0: There are other options where you could look at your borrowing capacity and speak to a mortgage broker to see whether you could buy an investment property and what sort of what your borrowing capacity might look like or how much you can borrow based on your expenses, I could\n\nChannel 1: Mhmm.\n\nChannel 0: certainly refer you through to a mortgage broker to do that. We don't do that because we don't have a credit license, so it's not something financial advisers do without a credit license.\n\nChannel 1: Uh-huh.\n\nChannel 0: But I can refer you through to some great mortgage brokers who can have a look at your borrowing capacity, have a look at your family circumstances and your expenditure, and see whether or not you're able to get a loan and what you might be able to borrow. They also take into account what kind of equity you have in your property as well, and what kind of rental income you might be able to receive from the possible property there as well. So\n\nChannel 1: No.\n\nChannel 0: there's a lot of things to take into an account there. When it comes to sort of holding a property, generally, we have a thirty year loan term on properties because it lowers the amount of of repayments we make, and it's easier for servicing. It does mean that with eighteen years to the age of 60, getting a new another property now means that you're extending your loan. So as\n\nChannel 1: Yeah.\n\nChannel 0: an example, you owe 560,000 on the property at the moment. If you then borrow, if you then release equity and draw another 100,000 off the property loan to put towards, you know, getting a new property and say you then had to borrow 500,000 on top of that, you would have three loans. Your main primary residence loan, which is essentially the $5.60 you have owing now, then you've also got an equity loan, which is that extra 100,000 sitting there, and then you've also got the investment loan as well, which is the extra 500,000 you've borrowed. All three of those loans would be reassessed at a thirty year loan term. So it means you can pay them down in that eighteen years if you've got extra cash and can, you know,\n\nChannel 1: Mhmm.\n\nChannel 0: pump money into it faster. But, realistically, most people then would end up with a mortgage into retirement,\n\nChannel 1: Yeah.\n\nChannel 0: whether it be all the loans or just the investment loan into which means that we would have to factor in the drawdowns from super to account for the loan aspect that you are still paying back as well. Does that make sense?\n\nChannel 1: Yeah. No. No. It does make sense.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Oh, it's\n\nChannel 0: Yeah.\n\nChannel 1: a bit of a train. So yeah.\n\nChannel 0: No. I mean, it's definitely not something you can't do. I would be more than happy to put you in contact with a broker now to at least have a chat about your options. That's generally the way it works. But if you wanted to speak to a mortgage broker, there's no harm.\n\nThere's no cost to yourself. It's completely free. They get paid by the lenders, the loans that they write. And\n\nChannel 1: Yeah.\n\nChannel 0: if you don't have servicing capacity, then they'll let you know. But at least if they look at what you've got, what your servicing might be, or how much you can borrow, it kind of then gives you an idea as as to whether you wanna go the property route. The other side of it is if you're wanting to build wealth to kinda supplement super, we can also look at investments outside of super. Sorry.\n\nChannel 1: Mhmm.\n\nChannel 0: We can look at investment bonds or investment portfolios very similar to your super where you can be putting money into the into the share market and building wealth to supplement. And we can also look at salary sacrifice or making additional contributions to your super to\n\nChannel 1: Mhmm.\n\nChannel 0: provide a boost there so you can access super at the age of 60 and have hopefully more money invested. So there\n\nChannel 1: Yeah.\n\nChannel 0: are other ways that we can look to invest money. It doesn't have to be property. But at the same time, it's it's more just down to what your goals are, what's important to you, whether you wanna have a property. The other aspect is you might decide to hold off on property. But because you've got your daughter who's 21, if she's working and saving, she might wanna buy something down the track, and you guys might be able to join into the loan with\n\nChannel 1: Yeah.\n\nChannel 0: her and buy something jointly. And that might be, you know, something down the track to give you a little bit of a an investment side of things, but also get\n\nChannel 1: Yeah.\n\nChannel 0: her into the market as well. So there's\n\nChannel 1: Yep.\n\nChannel 0: those other options down the track for you as well that you can explore. Yeah.\n\nChannel 1: Yeah. Yeah. If we can make a if he can refer us to a mortgage broker, that'll be great.\n\nChannel 0: Yeah.\n\nChannel 1: So,\n\nChannel 0: Yeah.\n\nChannel 1: you know, the those kinds of questions we have and he can give us or they can give us some some options, I guess. And,\n\nChannel 0: Yeah.\n\nChannel 1: you know,\n\nChannel 0: Absolutely.\n\nChannel 1: because, yes,\n\nChannel 0: They can\n\nChannel 1: my\n\nChannel 0: yeah.\n\nChannel 1: daughter\n\nChannel 0: Sorry.\n\nChannel 1: is 20\n\nChannel 0: You're\n\nChannel 1: one.\n\nChannel 0: right.\n\nChannel 1: Yes. We would like\n\nChannel 0: Yeah.\n\nChannel 1: for her to get her, you know, her put in the in the market. So\n\nChannel 0: Yeah.\n\nChannel 1: then I kind of give finding out those options\n\nChannel 0: Yep.\n\nChannel 1: too. And then that way she can also hear hear it too. Yeah.\n\nChannel 0: Yeah. Fantastic. And there's a a lot of people at the moment. I've spoken to some clients where, you know, they might be buying a property with their child. It might be fifty fifty split or, you know, it could even be a sixty forty split child into smaller portion than the parents due to the servicing aspect.\n\nChannel 1: Mhmm.\n\nChannel 0: But it means that, you know, come the age of 60, if she's then got a really good income, she could buy your share of the property out,\n\nChannel 1: Yeah.\n\nChannel 0: which alleviates and, you know, bring gives you guys the capital back plus some additional growth depending on what she buys it for.\n\nChannel 1: Yep.\n\nChannel 0: And that could also help to supplement super down the track as well. So there are those other aspects and differences different ways to assess it. We sort of look at I always look at a thirty year loan term, but the mortgage broker might be able to also look at, say, a twenty year loan term for you or a twenty five year loan term for you and show you what the mortgage or payments might be on that.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: And then if you get pay rises in between that or if you decide not to keep the property longer, there's there's other things that can definitely change. So\n\nChannel 1: Mhmm.\n\nChannel 0: eighteen years is still a long time away.\n\nChannel 1: Yes.\n\nChannel 0: And if it means that you just work an extra five or six years, it might not be a bad thing. We might be able\n\nChannel 1: Come\n\nChannel 0: to\n\nChannel 1: on.\n\nChannel 0: be super enough to pay the the loans off. There's lots of different options out there, but I do think maybe just having that initial conversation with the mortgage broker might be worthwhile looking at what your options are, the servicing capacity. Maybe, yeah, when you join your daughter into the conversation and have a chat about what she might be able to bring to the table and how this could benefit her as well.\n\nChannel 1: Mhmm.\n\nChannel 0: And, yeah, just wanna see what what might be comfortable for the three of you or the two of you. Does that sound okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. I'm sorry. It's a very broad answer. It's very\n\nChannel 1: No.\n\nChannel 0: hard\n\nChannel 1: That's\n\nChannel 0: to\n\nChannel 1: okay.\n\nChannel 0: kinda give you definite, but it's kinda giving you options, and it's not saying, no. You can't do this. It's just looking at other ways to sort of make it work for you because there's not a black and white scenario. Financial advice and finance in general can have gray areas, and sometimes\n\nChannel 1: Mhmm.\n\nChannel 0: sitting within those gray areas can be where you find the benefit or where you find something that works for you. Does that make sense?\n\nChannel 1: Yeah. No. That makes perfect sense. No.\n\nChannel 0: Yep.\n\nChannel 1: That's fine.\n\nChannel 0: Be beautiful. The mortgage broker I'll refer you to is Brooke. The email we send is to you and her. So it's an introduction from myself to you and to her, and then she'll\n\nChannel 1: Mhmm.\n\nChannel 0: make contact to make a time to have a chat with you guys about the servicing, and\n\nChannel 1: Mhmm.\n\nChannel 0: look at your borrowing capacity and kinda go from there. Does that sound okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Do you have additional questions? Have I answered everything that you had, or did you have more questions that you wanted to bring up with me?\n\nChannel 1: No. I think you've answered\n\nChannel 0: Yeah.\n\nChannel 1: or you've referred us to,\n\nChannel 0: Yeah.\n\nChannel 1: you know, to get more\n\nChannel 0: Yeah.\n\nChannel 1: information. But no. Thank you so much.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah. We've had all our answers all our questions answered today.\n\nChannel 0: Fantastic. The last thing I just wanted to do with the both of you is a quick risk profile questionnaire. So I'm just gonna go through a couple of questions just to sort of assess whether or not you're in the correct portfolios currently and whether we\n\nChannel 1: Yep.\n\nChannel 0: keep the risk level that you have got. The\n\nChannel 1: Mhmm.\n\nChannel 0: first one I have for each of you is just if you saw the markets fall by 20% over the next sort of one to two years, how do you think you might react individually? Do you think you'd consider\n\nChannel 1: K.\n\nChannel 0: it a buying opportunity, maybe put more money into the market? Are you wanting to maybe hold and wait and speak to us, or are you a bit concerned and maybe wanting to sell the investment to cash? How do you think you might react?\n\nChannel 1: So one to two years, you said?\n\nChannel 0: Yeah.\n\nChannel 1: One to two years, twenty but dropped by 20%.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah? Yeah. I'd probably I wouldn't jump yet, but I'd start\n\nChannel 0: Mhmm.\n\nChannel 1: like, I'd be toying with the idea of maybe seeing if we can move the investments to other other companies.\n\nChannel 0: Yep. Yep. You'd you'd wanna sort of look at how to maneuver the investments\n\nChannel 1: Yes.\n\nChannel 0: to mitigate the risk of the market going up and down. Yep. And\n\nChannel 1: Yes.\n\nChannel 0: that would probably come with a conversation to us to see what we recommend you do and how we\n\nChannel 1: Yes.\n\nChannel 0: react in that instance.\n\nChannel 1: A\n\nChannel 0: Yep.\n\nChannel 1: 100%.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. Sergio, how do you think he might react?\n\nChannel 1: Yep. How would you think? I think you'd be the same too. K.\n\nChannel 0: Yep.\n\nChannel 1: If\n\nChannel 0: Yep.\n\nChannel 1: it if it went if the market went up oh, sorry. The market went down by 20% and the share in one to two years. So what would\n\nChannel 0: How\n\nChannel 1: you\n\nChannel 0: do\n\nChannel 1: do?\n\nChannel 0: you think you might react?\n\nChannel 1: 100\n\nChannel 0: Do you think\n\nChannel 1: percent.\n\nChannel 0: you'd be\n\nChannel 1: I'll\n\nChannel 0: buying\n\nChannel 1: just do\n\nChannel 0: in\n\nChannel 1: it\n\nChannel 0: as\n\nChannel 1: the\n\nChannel 0: a\n\nChannel 1: same.\n\nChannel 0: buying opportunity?\n\nChannel 1: He'd probably yeah. I reckon he'd probably contact same\n\nChannel 0: Yep.\n\nChannel 1: same as myself, contact you guys and say, hey. Is there a way of maybe maneuvering it to kind of compensate for it?\n\nChannel 0: Perfect.\n\nChannel 1: Yeah? Is that right? Yep. Yep.\n\nChannel 0: Perfect. The next question here is when you think about the risk level that you're taking now, Angela, when you think about risk out of a number between one and five, one five being the highest level of risk, one being the lowest, you're sitting about a three. So you're kind of mid range there. Sergio, you're probably sitting at more of a two. Sorry.\n\nIt's not three. Sorry. Sergio, you're sitting at a four because five is the highest. I'm sorry. So, Sergio, you're in high growth, which is more of a four.\n\nChannel 1: Alright.\n\nChannel 0: And,\n\nChannel 1: Go ahead.\n\nChannel 0: Angela, you're sitting at more of a three, so you're a little bit lower risk. Do you both feel comfortable with where you're sitting there? You you're you know, with where you are. So, Sergio, you're taking on higher level of risk, you wanna get greater long term returns, but you also know that when the market hits a down point, that you'll feel those downtimes and that it can be magnified slightly more. Whereas Angela being more of a three out of a level of five means that you're sort of sitting in the middle.\n\nYou're taking a little bit less risk in the market. You're still gonna feel the ups and downs, but not as great as someone in that high growth environment. Does that make sense? And do each of you have questions, and do you both feel comfortable with that level of risk that you're taking?\n\nChannel 1: Yes. Yes. So yeah. We're still we're still\n\nChannel 0: Yep.\n\nChannel 1: so comfortable with that risk. Yeah.\n\nChannel 0: Yep. Beautiful. So to give you a bit of a breakdown on the different portfolios that you're both in. So, Sergio, you're in a high growth environment. So you've got about 90% in those growth investments.\n\nSo think about Australian shares, international shares, listed property, and then commodities there. With the high growth environment, you expect an annual compounded return of around about eight to 10% on average. So anything over 10% means the portfolio has overperformed. Anything under 8% means it has underperformed. But it also means that you're expecting a negative year,\n\nChannel 1: Yeah.\n\nChannel 0: generally, about\n\nChannel 1: Excellent.\n\nChannel 0: one in every five years. And this sort of investment portfolio suits someone who has about eight years before they're accessing that their super there. Sergio, are you still comfortable in that kind of environment? Are you happy with that? Did you wanna keep that for another year?\n\nYou've sort of scored in that environment and that sort of area, but just making sure that's where you're comfortable.\n\nChannel 1: No. I'm comfortable with that.\n\nChannel 0: Yep. Beautiful. And, Angelo, in that growth environment, you sort of see about 80% in those growth assets. So, again, those Australian and international shares, property, and commodities like gold and silver. You're expecting around about a seven to 9% as an annual rate of return compounded.\n\nThe likelihood of a negative return does occur sort of one in every five years as an expectation, and this sort of portfolio happily suits someone who's got about six years before accessing their super. So you are taking a bit less risk than where Sergio is, but, admittedly, your balance is also slightly higher than his. Are you happy in that environment? Are you happy with that growth area? Did you wanna that further?\n\nChannel 1: So, like, if so usually, would you if you have a higher balance, would you be more aggressive? Or because, like, I thought, well, I think what we thought was if one's aggressive, one's not, and then, you know, one's kind of, you know, in the middle balanced,\n\nChannel 0: Mhmm. Mhmm.\n\nChannel 1: then, you know, one we're taking the risk of one, you know, investing more. But because I've got more of, like, higher balance, should I be the one that's more risky?\n\nChannel 0: Mhmm. So, realistically, Sergio is when you think about the risk level, is taking a greater level of risk. He's got a smaller balance.\n\nChannel 1: Yeah.\n\nChannel 0: When you're when you have a higher balance, you can take a higher level of risk. It's not a problem there. It's more about your time horizon, how long you have before you're wanting to access those funds.\n\nChannel 1: Okay.\n\nChannel 0: So if you were, say, five years away from accessing your super, I'd be absolutely pulling you back and saying, you know, we need to, you know, not act not take so much risk now.\n\nChannel 1: Uh-huh.\n\nChannel 0: Realistically, with taking more risk in your super, you will feel that more. So if you if you both were in the high growth environment or even if you both saw a 5% dip, if you think about your balance as opposed to Sergio's balance, with a 190,000 super, you're gonna feel a 5% drop much greater than Sergio will. So it\n\nChannel 1: Mhmm.\n\nChannel 0: comes down to individual comfort levels. I mean, if you think about I work in this industry. So if my super got a 5% dip and I had 600 k in super, it wouldn't bother me because I wasn't touching the money. I know the market will come back, but it's more of an individual comfort level for each of\n\nChannel 1: Mhmm.\n\nChannel 0: you. Theoretically, we wanna boost, yes, Sergio's balance up as much as possible moving forward as well so that when you both get to retirement, if you've got balances that are fairly even, then we can be drawing income fairly evenly. Whereas if we get to retirement and your balance is higher than Sergio's, we'll probably take more from your super to supplement so we can\n\nChannel 1: Yeah.\n\nChannel 0: kind of keep them dropping on an even keel. Does that make sense?\n\nChannel 1: Yeah. Yeah. That's that's what we were thinking too. If Sergio can\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: then at least come if he's more aggressive, then he can his balance can come up\n\nChannel 0: Yep.\n\nChannel 1: possibly\n\nChannel 0: Yep.\n\nChannel 1: that and it would be the same at retirement.\n\nChannel 0: That's that's the goal. Definitely. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: The income does definitely come into it as well. So because your income is technically higher, your\n\nChannel 1: Yeah.\n\nChannel 0: contributions are also higher there as well. Would either of you be comfortable looking at maybe salary sacrificing or adding more money into super to provide a greater boost to retirement income, or are you sort of hoping to look at the the property side first? What would you feel?\n\nChannel 1: It was an option. So I think we've considered it, but I think Sergio's work doesn't their their isn't salary sacrifice or salary packaging, I think. So that but then that that doesn't matter. You can kind of just make it so that you can discuss with with payroll and they can just put that money in,\n\nChannel 0: Mhmm.\n\nChannel 1: can't you? Like, it doesn't necessarily\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: in the area that Sergio does work, they do have that salary packaging\n\nChannel 1: Things\n\nChannel 0: side of\n\nChannel 1: side\n\nChannel 0: things.\n\nChannel 1: of things.\n\nChannel 0: But most employers will also offer an option where they can increase contributions from your payroll into your super, and that's sort of more salary sacrificing. The alternative\n\nChannel 1: Yeah.\n\nChannel 0: is you can do it from your bank account. It doesn't have be done through your payroll. You can always do deductible contributions where you're putting money from your bank account into your super. And then at the end of the financial year, we claim a a notice of intent, and that can also provide a bit of a tax deduction for you as well. But doing it that way means you've just gotta be a little bit more comfortable putting the money in on a regular basis from your bank account.\n\nSo it does\n\nChannel 1: Yeah.\n\nChannel 0: require a little bit more, you know, continue out continuity there, wanting to put that in from your bank account because it's very easy to dismiss one or two here and there and stop doing it. But it's also your comfort level. You can hold off and see where things are next year, and we can always look at it again in a year or two's time. It's more up to what your preference is for each of you.\n\nChannel 1: Yeah. Well, there's probably a lot of things to consider. But, yes,\n\nChannel 0: Yeah.\n\nChannel 1: thank you very much. Yeah.\n\nChannel 0: That's okay. We're happy just to hold off on the salary sacrificing and additional contributions for the time being.\n\nChannel 1: Yeah. Just for the time being, but it's something that,\n\nChannel 0: Yep.\n\nChannel 1: like, we have discussed before. But\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Absolutely. Perfect. Well, just to kind of recap, I'll send an email shortly just with the information around\n\nChannel 1: Mhmm.\n\nChannel 0: the the insurance side of things to each of you, what you have, but then a little bit of information around the different insurances to kinda give you both a bit of a a follow-up on the call that we've had.\n\nChannel 1: Mhmm.\n\nChannel 0: And then just with the advice aspect, I'll do a joint advice document just assessing the super and the in the portfolios that you're in to replace any underperforming investments and look at what we can do over the next five to ten years to sort of provide that booster. And then I'll also incorporate the estate planning, so just making sure beneficiaries are all paid to each of you in the event that something happens to each of you.\n\nChannel 1: Mhmm.\n\nChannel 0: And for yourself, Angela, I would just also include the income protection. So looking to increase income protection benefits for you. Does that sound accurate? Have I missed anything there at all?\n\nChannel 1: No. No. Thank\n\nChannel 0: No?\n\nChannel 1: you.\n\nChannel 0: Fantastic.\n\nChannel 1: Oh, an\n\nChannel 0: And I'll\n\nChannel 1: an\n\nChannel 0: get\n\nChannel 1: emoji.\n\nChannel 0: the email for this broker. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry.\n\nChannel 1: That's alright.\n\nChannel 0: Excellent. Now the only other thing I need to do is just to book you in for a quick pre assessment with my admin team\n\nChannel 1: Yes.\n\nChannel 0: member. Is there a day or I know afternoons generally suit better for yourself. Is there a day that would prefer just to run through that? It only takes about sort of five to ten minutes.\n\nChannel 1: Yeah. So I can do either okay. Hang on. Hang on. When do you\n\nChannel 0: That's\n\nChannel 1: so\n\nChannel 0: okay.\n\nChannel 1: I can do any day after four\n\nChannel 0: Okay. Perfect.\n\nChannel 1: or three\n\nChannel 0: So,\n\nChannel 1: thirty, like yeah. Or 03:30 between 03:30, 04:00.\n\nChannel 0: absolutely. What if we make it nice and easy? Is it okay if I was to book that one in, per se, this Wednesday at 04:00 for you? Would that be at\n\nChannel 1: Happy\n\nChannel 0: all okay?\n\nChannel 1: Halloween Yeah. That's fine. You're\n\nChannel 0: Yep. Be fantastic.\n\nChannel 1: Spanish.\n\nChannel 0: Yeah. I'll add a little text message reminder there for you. My admin team member, Samantha, will give you a call. She'll just run through the pre assessment and then send it to me so I can assess that as part of the advice document for you,\n\nChannel 1: Mhmm.\n\nChannel 0: and then we can get that all ready to go. Does sound okay with\n\nChannel 1: Yeah. That's fantastic.\n\nChannel 0: you? And what I might also do is I might also just because you guys prefer an afternoon appointment, rebooking your advice presentation for a few weeks as well, just so we because afternoons do book up really quickly. So\n\nChannel 1: Mhmm.\n\nChannel 0: to make sure we get you both in, the next afternoon available I actually work, late on Thursday afternoons. Would maybe Thursday, September 10 suit either of you? Or\n\nChannel 1: It's on the September 10. Would that\n\nChannel 0: Yeah.\n\nChannel 1: suit\n\nChannel 0: Otherwise\n\nChannel 1: you for Instagram?\n\nChannel 0: otherwise,\n\nChannel 1: Yep.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: could do\n\nChannel 1: That's\n\nChannel 0: the week before.\n\nChannel 1: fine.\n\nChannel 0: Yep. Yep. Beautiful. Fantastic. I can do so we can do sort of 04:30 like we did today, or I can make it 05:00 for you.\n\nWhat would be your preference?\n\nChannel 1: I think 05:00 would would be best. That way it gives\n\nChannel 0: Yeah.\n\nChannel 1: like, I mean, I finish a little bit earlier, but gives Sergio time to get home, I guess,\n\nChannel 0: Yep.\n\nChannel 1: and and then\n\nChannel 0: Yeah.\n\nChannel 1: we can, you know, do that.\n\nChannel 0: Fantastic. So I'll book that one in there for you for the September 10. That's at 5PM there. Easy done. That's all booked.\n\nThat way, you've\n\nChannel 1: Mhmm.\n\nChannel 0: got that time slot for the advice presentation. We'll go things through things together, and then you'll have some time to read it over there as well. In the meantime, I'll get those other aspects done, and that email will come out to the mortgage broker very shortly for you both. Okay?\n\nChannel 1: Excellent. Yeah. Thank you so\n\nChannel 0: Fantastic.\n\nChannel 1: much.\n\nChannel 0: That's okay. Is there anything I may not have missed or any other questions that either of you had that you thought maybe I should that you wanted to ask me while you've got me here at all. I'm so sorry. We have gone through quite a lot already.\n\nChannel 1: That's okay. No. I can't think of anything else. But if I do,\n\nChannel 0: Nope.\n\nChannel 1: when I'll write it down, and then maybe I could\n\nChannel 0: Yep.\n\nChannel 1: we could talk about it on the the tenth if if need be.\n\nChannel 0: Absolutely. Yeah. Absolutely. I'll also send you that email so you'll have my email address so you can always reply back with\n\nChannel 1: Yeah.\n\nChannel 0: anything that you need. Or if you'd need another time, just let me know. Not a problem at all. Okay?\n\nChannel 1: Alright.\n\nChannel 0: The excellent. The only other thing to let you know is that the the ongoing service agreement is in that annual review pack there for you. So you do both pay an ongoing service fee. It's 1.10% at the moment as you're a couple onboarded together. If I\n\nChannel 1: Mhmm.\n\nChannel 0: can just get you both to sign and return those back for us, that just allows us to continue providing our services and updating advice for you moving forward. Okay?\n\nChannel 1: Sure. What is that going to be via email? Is that the one that says signature required?\n\nChannel 0: That's that's the one the signature\n\nChannel 1: Okay.\n\nChannel 0: required. Yes. So you'll both have one in your emails. If you both\n\nChannel 1: Mhmm.\n\nChannel 0: can just pop in there and sign and return that back for me, that would be fabulous. Okay.\n\nChannel 1: Alright. Fantastic.\n\nChannel 0: Fantastic. Thank you so much for your time. I really appreciate it. I and tell Sergio thank you. I hope you both have a lovely afternoon.\n\nChannel 1: Same to you. Thank you so much, Janeile. You take\n\nChannel 0: My\n\nChannel 1: care.\n\nChannel 0: pleasure.\n\nChannel 1: Bye bye.\n\nChannel 0: Will do. Thanks, Angela. Talk soon. See you later.\n\nChannel 1: Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.012570427730679512},{"text":"Hello?","start":3.36,"end":3.86,"sentiment":"neutral","sentiment_score":0.021012205630540848}],"sentiment":"neutral","sentiment_score":0.01679131668061018,"channel":1,"num_words":2,"start":0.79999995,"end":3.86},{"sentences":[{"text":"Hi, Angela.","start":4.72,"end":5.46,"sentiment":"neutral","sentiment_score":0.1058906763792038},{"text":"It's Dana again from OQ Financial.","start":5.52,"end":7.54,"sentiment":"neutral","sentiment_score":0.14233220865329108},{"text":"How are you again?","start":7.7599998,"end":8.82,"sentiment":"neutral","sentiment_score":0.16647975891828537}],"sentiment":"neutral","sentiment_score":0.14430780336260796,"channel":0,"num_words":12,"start":4.72,"end":8.82},{"sentences":[{"text":"Good.","start":8.96,"end":9.28,"sentiment":"positive","sentiment_score":0.543026328086853},{"text":"Thank you.","start":9.28,"end":9.679999,"sentiment":"positive","sentiment_score":0.5571962594985962},{"text":"How are you?","start":9.679999,"end":10.58,"sentiment":"neutral","sentiment_score":0.28691938519477844}],"sentiment":"positive","sentiment_score":0.4196961671113968,"channel":1,"num_words":6,"start":8.96,"end":10.58},{"sentences":[{"text":"Very well.","start":11.04,"end":11.679999,"sentiment":"positive","sentiment_score":0.5207623094320297},{"text":"Thank you.","start":11.679999,"end":12.24,"sentiment":"positive","sentiment_score":0.545893132686615},{"text":"Are you okay if we start going through your part of the annual review 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okay?","start":23.685,"end":24.744999,"sentiment":"neutral","sentiment_score":0.09101965464651585}],"sentiment":"neutral","sentiment_score":0.06004107104880469,"channel":0,"num_words":7,"start":23.045,"end":24.744999},{"sentences":[{"text":"Yeah.","start":24.785,"end":25.105,"sentiment":"neutral","sentiment_score":0.29602962732315063},{"text":"That's that's a great idea.","start":25.105,"end":26.305,"sentiment":"positive","sentiment_score":0.6780804395675659},{"text":"Yep.","start":26.305,"end":26.805,"sentiment":"positive","sentiment_score":0.4201337695121765}],"sentiment":"positive","sentiment_score":0.586652227810451,"channel":1,"num_words":7,"start":24.785,"end":26.805},{"sentences":[{"text":"Fantastic.","start":26.965,"end":27.465,"sentiment":"positive","sentiment_score":0.6668371558189392},{"text":"Excellent.","start":28.085,"end":28.485,"sentiment":"positive","sentiment_score":0.5975127816200256},{"text":"Angela, before I jump into the call, I do have to let you know, and I will let Sergio know when he arrives as well, that we do record our calls for quality and training purposes.","start":28.725,"end":36.53,"sentiment":"neutral","sentiment_score":0.21215252371297944},{"text":"Are you happy","start":36.53,"end":37.09,"sentiment":"neutral","sentiment_score":0.21197689572970072}],"sentiment":"neutral","sentiment_score":0.23262857264134942,"channel":0,"num_words":41,"start":26.965,"end":37.09},{"sentences":[{"text":"Mhmm.","start":37.010002,"end":37.510002,"sentiment":"neutral","sentiment_score":0.14243844151496887}],"sentiment":"neutral","sentiment_score":0.14243844151496887,"channel":1,"num_words":1,"start":37.010002,"end":37.510002},{"sentences":[{"text":"for me to proceed with 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four.","start":51.855,"end":54.434998,"sentiment":"neutral","sentiment_score":0.055853946932724545}],"sentiment":"neutral","sentiment_score":0.055853946932724545,"channel":1,"num_words":7,"start":51.855,"end":54.434998},{"sentences":[{"text":"Fantastic.","start":54.925,"end":55.425,"sentiment":"neutral","sentiment_score":0.2889980673789978}],"sentiment":"neutral","sentiment_score":0.2889980673789978,"channel":0,"num_words":1,"start":54.925,"end":55.425},{"sentences":[{"text":"Address is 9 Stroke 49 Cambridge Street, Oxley Park 2760.","start":55.079998,"end":61.18,"sentiment":"neutral","sentiment_score":0.1745803624391556}],"sentiment":"neutral","sentiment_score":0.1745803624391556,"channel":1,"num_words":10,"start":55.079998,"end":61.18},{"sentences":[{"text":"Beautiful.","start":61.34,"end":61.84,"sentiment":"positive","sentiment_score":0.5180842876434326},{"text":"Thank you so much for that.","start":62.14,"end":63.6,"sentiment":"positive","sentiment_score":0.590309609969457},{"text":"Angela, as part of the annual review, I did send through some documents to yourself and Sergio to kinda go through.","start":63.66,"end":68.94,"sentiment":"neutral","sentiment_score":0.12507317711909613},{"text":"Are you","start":68.94,"end":69.34,"sentiment":"neutral","sentiment_score":0.02139649447053671}],"sentiment":"neutral","sentiment_score":0.2243090551967422,"channel":0,"num_words":30,"start":61.34,"end":69.34},{"sentences":[{"text":"I'm","start":69.255,"end":69.755,"sentiment":"neutral","sentiment_score":0.02490857057273388}],"sentiment":"neutral","sentiment_score":0.02490857057273388,"channel":1,"num_words":1,"start":69.255,"end":69.755},{"sentences":[{"text":"able to open your emails there at the moment?","start":69.34,"end":71.34,"sentiment":"neutral","sentiment_score":0.035413207900193006},{"text":"If you","start":71.34,"end":71.685,"sentiment":"neutral","sentiment_score":-0.032056696712970734}],"sentiment":"neutral","sentiment_score":0.023145952515981415,"channel":0,"num_words":11,"start":69.34,"end":71.685},{"sentences":[{"text":"I'm","start":71.575,"end":72.075,"sentiment":"neutral","sentiment_score":-0.03337999805808067}],"sentiment":"neutral","sentiment_score":-0.03337999805808067,"channel":1,"num_words":1,"start":71.575,"end":72.075},{"sentences":[{"text":"can't, that's honestly okay.","start":71.685,"end":72.585,"sentiment":"neutral","sentiment_score":0.002093277871608734}],"sentiment":"neutral","sentiment_score":0.002093277871608734,"channel":0,"num_words":4,"start":71.685,"end":72.585},{"sentences":[{"text":"I'm able to open my emails on my 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beautiful.","start":120.32,"end":121.119995,"sentiment":"positive","sentiment_score":0.495465025305748},{"text":"And you're looking at your performance with internal rate of return there?","start":121.119995,"end":124.96,"sentiment":"neutral","sentiment_score":0.14958147890865803},{"text":"It should have the date and then your name at the top.","start":124.96,"end":127.299995,"sentiment":"neutral","sentiment_score":0.0858486785242955}],"sentiment":"neutral","sentiment_score":0.14348799583536606,"channel":0,"num_words":27,"start":119.52,"end":127.299995},{"sentences":[{"text":"Yes.","start":127.515,"end":127.995,"sentiment":"neutral","sentiment_score":0.09526021778583528},{"text":"That's 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account there now, I can grab you an updated balance for today's date as well.","start":171.78,"end":179.07999,"sentiment":"neutral","sentiment_score":0.1602927083554475},{"text":"And yeah.","start":180.18,"end":180.65999,"sentiment":"neutral","sentiment_score":0.09738083556294441},{"text":"So it shows you're at a 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little increase on that since then.","start":186.815,"end":189.155,"sentiment":"positive","sentiment_score":0.4869788544518607},{"text":"Beautiful.","start":189.375,"end":189.875,"sentiment":"positive","sentiment_score":0.5712660551071167}],"sentiment":"positive","sentiment_score":0.42691716030240057,"channel":0,"num_words":10,"start":184.34,"end":189.875},{"sentences":[{"text":"Yeah.","start":189.605,"end":190.105,"sentiment":"positive","sentiment_score":0.4276627898216248}],"sentiment":"positive","sentiment_score":0.4276627898216248,"channel":1,"num_words":1,"start":189.605,"end":190.105},{"sentences":[{"text":"Perfect.","start":191.615,"end":192.095,"sentiment":"positive","sentiment_score":0.6011276245117188},{"text":"So your super balance has definitely been increasing, which is good.","start":192.095,"end":194.895,"sentiment":"positive","sentiment_score":0.575651613148776},{"text":"That's what we wanna see.","start":194.895,"end":196.27501,"sentiment":"neutral","sentiment_score":0.22492415606975555},{"text":"When we look at how that has performed in this year, we have seen quite a bit in the way of ups and downs with the market","start":196.335,"end":201.39001,"sentiment":"neutral","sentiment_score":-0.033184284137354955}],"sentiment":"neutral","sentiment_score":0.162771374495192,"channel":0,"num_words":44,"start":191.615,"end":201.39001},{"sentences":[{"text":"Uh-huh.","start":201.36,"end":201.86,"sentiment":"neutral","sentiment_score":-0.04309897497296333}],"sentiment":"neutral","sentiment_score":-0.04309897497296333,"channel":1,"num_words":1,"start":201.36,"end":201.86},{"sentences":[{"text":"and everything that's been going on both here in Australia and also overseas.","start":201.39001,"end":205.65001,"sentiment":"neutral","sentiment_score":0.001258565542789606},{"text":"Your portfolio with regard to this performance report shows that you're up by 5.80%.","start":206.35,"end":214.05501,"sentiment":"neutral","sentiment_score":0.21002219351274626},{"text":"So, realistically, when we think of it as a percentage return in the growth portfolio environment that you're in, we're trying to obtain around about a seven to 9% on a yearly basis there.","start":214.05501,"end":224.70999,"sentiment":"neutral","sentiment_score":0.05263510368326131},{"text":"So it","start":224.70999,"end":225.03,"sentiment":"neutral","sentiment_score":-0.0927392765879631}],"sentiment":"neutral","sentiment_score":0.07239344497285193,"channel":0,"num_words":63,"start":201.39001,"end":225.03},{"sentences":[{"text":"Uh-huh.","start":225.015,"end":225.515,"sentiment":"neutral","sentiment_score":-0.12859037518501282}],"sentiment":"neutral","sentiment_score":-0.12859037518501282,"channel":1,"num_words":1,"start":225.015,"end":225.515},{"sentences":[{"text":"is a little bit of an underperformance for the year, but we do know that there are gonna be years of the portfolio and may not perform exactly where we want it to be or as high as normal.","start":225.03,"end":234.65,"sentiment":"neutral","sentiment_score":-0.26367595658088344},{"text":"Looking at things this year with everything has gone in, you have got a positive result.","start":235.34999,"end":239.49501,"sentiment":"positive","sentiment_score":0.6980506479740143},{"text":"So it is good to see.","start":239.49501,"end":240.955,"sentiment":"positive","sentiment_score":0.7570664882659912},{"text":"Not everyone likes it as a percentage.","start":241.895,"end":244.395,"sentiment":"neutral","sentiment_score":-0.05775928124785423},{"text":"So if you look at the column in front of that, you'll see total earnings as a dollar figure.","start":244.695,"end":249.435,"sentiment":"neutral","sentiment_score":0.09431853517889977}],"sentiment":"neutral","sentiment_score":0.0783400481631016,"channel":0,"num_words":87,"start":225.03,"end":249.435},{"sentences":[{"text":"And the number you should see there is 12,925 and $45.46 cents.","start":249.655,"end":255.33,"sentiment":"neutral","sentiment_score":0.12179797763625781},{"text":"Can you see that one there?","start":255.33,"end":256.71,"sentiment":"neutral","sentiment_score":0.06785973285635312}],"sentiment":"neutral","sentiment_score":0.10381856270962292,"channel":0,"num_words":18,"start":249.655,"end":256.71},{"sentences":[{"text":"Yes.","start":256.28,"end":256.78,"sentiment":"neutral","sentiment_score":0.15397703647613523},{"text":"Yep.","start":256.84,"end":257.34,"sentiment":"neutral","sentiment_score":0.19183707237243652}],"sentiment":"neutral","sentiment_score":0.1729070544242859,"channel":1,"num_words":2,"start":256.28,"end":257.34},{"sentences":[{"text":"Yeah.","start":257.65,"end":258.05,"sentiment":"neutral","sentiment_score":0.22672393918037417},{"text":"So it shows you that your portfolio has made income plus growth within the last twelve months of $12,925.46 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globally.","start":285.35,"end":287.93,"sentiment":"neutral","sentiment_score":-0.0014405549607343152},{"text":"Okay?","start":288.15,"end":288.65,"sentiment":"neutral","sentiment_score":-0.004216702654957771}],"sentiment":"neutral","sentiment_score":-0.0017181697301566607,"channel":0,"num_words":10,"start":285.35,"end":288.65},{"sentences":[{"text":"Mhmm.","start":289.4,"end":289.9,"sentiment":"neutral","sentiment_score":0.08676157891750336}],"sentiment":"neutral","sentiment_score":0.08676157891750336,"channel":1,"num_words":1,"start":289.4,"end":289.9},{"sentences":[{"text":"Beautiful.","start":290.55002,"end":291.05002,"sentiment":"positive","sentiment_score":0.33934563398361206},{"text":"Now one of the things that I also look at, and I had a bit of a look at your portfolio earlier, if you scroll back to just the first page there for 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investments have performed individually in the portfolio.","start":327.545,"end":338.55,"sentiment":"neutral","sentiment_score":0.07146775556935205},{"text":"Realistically, all of them have performed really, really well except for essentially two.","start":339.33,"end":344.23,"sentiment":"neutral","sentiment_score":0.1366914390371396},{"text":"The Ben along Australian Equities is showing it's down by about 23.55%.","start":344.85,"end":350.07,"sentiment":"neutral","sentiment_score":-0.1180592409024636},{"text":"So that could definitely be having an effect on holding your portfolio back a little bit.","start":350.13,"end":354.565,"sentiment":"neutral","sentiment_score":-0.03997048921883106}],"sentiment":"neutral","sentiment_score":0.03394181895387042,"channel":0,"num_words":91,"start":321.5,"end":354.565},{"sentences":[{"text":"So when I reviewed 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switch out to make sure things are working better for you and updating the portfolio to reflect changes in the market conditions.","start":374.34998,"end":390.09,"sentiment":"neutral","sentiment_score":0.0660924453745192},{"text":"Does that make sense?","start":390.33,"end":391.29,"sentiment":"neutral","sentiment_score":0.04723635036498308},{"text":"Do you have any questions?","start":391.29,"end":392.57,"sentiment":"neutral","sentiment_score":0.011589156556874513},{"text":"Are you comfortable with that?","start":392.57,"end":394.19,"sentiment":"neutral","sentiment_score":0.012817324697971344}],"sentiment":"neutral","sentiment_score":0.025270379025317813,"channel":0,"num_words":87,"start":366.83,"end":394.19},{"sentences":[{"text":"Yeah.","start":394.585,"end":394.905,"sentiment":"neutral","sentiment_score":0.0029475772753357887},{"text":"No.","start":394.905,"end":395.065,"sentiment":"neutral","sentiment_score":-0.07315579056739807},{"text":"I'm comfortable with that 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questions?","start":408.325,"end":409.445,"sentiment":"neutral","sentiment_score":0.007526206411421299},{"text":"Does all of that make any sense?","start":409.445,"end":410.805,"sentiment":"neutral","sentiment_score":0.008053551294973918},{"text":"Is there any anything on those reports that kind of you had additional questions on or would like me to maybe answer there for you additionally?","start":410.805,"end":417.385,"sentiment":"neutral","sentiment_score":0.0070491567110786075}],"sentiment":"neutral","sentiment_score":0.007296946463420203,"channel":0,"num_words":38,"start":408.325,"end":417.385},{"sentences":[{"text":"No.","start":418.20502,"end":418.36502,"sentiment":"neutral","sentiment_score":-0.06160543113946915},{"text":"No.","start":418.36502,"end":418.525,"sentiment":"neutral","sentiment_score":-0.042973048985004425},{"text":"No.","start":418.525,"end":418.685,"sentiment":"neutral","sentiment_score":-0.0366482213139534},{"text":"That's that's good now.","start":418.685,"end":420.045,"sentiment":"neutral","sentiment_score":0.0332346367649734},{"text":"You've been really detailed,","start":420.045,"end":421.405,"sentiment":"neutral","sentiment_score":0.12331446819007397}],"sentiment":"neutral","sentiment_score":0.044088156216523865,"channel":1,"num_words":11,"start":418.20502,"end":421.405},{"sentences":[{"text":"Yeah.","start":421.20502,"end":421.38,"sentiment":"neutral","sentiment_score":0.12054023146629332}],"sentiment":"neutral","sentiment_score":0.12054023146629332,"channel":0,"num_words":1,"start":421.20502,"end":421.38},{"sentences":[{"text":"so that's good now.","start":421.405,"end":422.70502,"sentiment":"neutral","sentiment_score":0.19378439337015152}],"sentiment":"neutral","sentiment_score":0.19378439337015152,"channel":1,"num_words":4,"start":421.405,"end":422.70502},{"sentences":[{"text":"Beautiful.","start":422.5,"end":423.0,"sentiment":"positive","sentiment_score":0.550976037979126},{"text":"Fantastic.","start":423.30002,"end":423.80002,"sentiment":"positive","sentiment_score":0.48905515670776367},{"text":"If you ever find you do get these reports and you're a bit confused or had any additional questions, please let me know.","start":424.66,"end":429.94,"sentiment":"neutral","sentiment_score":0.11293735614289409},{"text":"Part of what I love about being an adviser is the educational value because, you know, none of us grew up understanding or learning any of this at school.","start":429.94,"end":437.115,"sentiment":"neutral","sentiment_score":0.21963738290400342},{"text":"So if you do wanna, you know, have any questions or learn anything additional, please let me know.","start":437.275,"end":442.315,"sentiment":"neutral","sentiment_score":0.17879687166876262}],"sentiment":"neutral","sentiment_score":0.18368636361426777,"channel":0,"num_words":72,"start":422.5,"end":442.315},{"sentences":[{"text":"I love to break things down and and definitely have a look at it.","start":442.315,"end":445.85498,"sentiment":"neutral","sentiment_score":0.31840270119053976},{"text":"I have been updating a lot of the portfolios over the past few months there and have been able to remove and along and find more cost effective ways of 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style.","start":469.525,"end":471.945,"sentiment":"neutral","sentiment_score":0.05603461666032672},{"text":"An active management style is having in there.","start":473.525,"end":477.28998,"sentiment":"neutral","sentiment_score":0.03870037547312677},{"text":"So Bannalong is an active managed fund.","start":477.28998,"end":479.78998,"sentiment":"neutral","sentiment_score":0.03329895702855928}],"sentiment":"neutral","sentiment_score":0.06912263022469622,"channel":0,"num_words":70,"start":454.82,"end":479.78998},{"sentences":[{"text":"The manager of that fund is supposed to be trying to buy and sell and outperform against the market, but they haven't been able to do so due to the 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what kind of effect that has on you because in the insurances are also paid out of super.","start":1189.99,"end":1195.37,"sentiment":"neutral","sentiment_score":-0.007617906853556633},{"text":"So it can over the next sort of couple of years also have an effect on your super there.","start":1195.4299,"end":1200.1699,"sentiment":"neutral","sentiment_score":0.01163726535282637},{"text":"It looks like I don't have much in the way of previous information on the health side of things.","start":1200.87,"end":1210.025,"sentiment":"negative","sentiment_score":-0.45224296262389735},{"text":"Sorry.","start":1210.325,"end":1210.645,"sentiment":"neutral","sentiment_score":-0.2551819086074829},{"text":"I'm just going back through our records.","start":1210.645,"end":1212.825,"sentiment":"neutral","sentiment_score":-0.22992662021092006}],"sentiment":"neutral","sentiment_score":-0.15740203992886978,"channel":0,"num_words":66,"start":1189.99,"end":1212.825},{"sentences":[{"text":"And we've had a system change since we last sort of went through things you.","start":1216.8049,"end":1220.79,"sentiment":"neutral","sentiment_score":-0.25559359391530356},{"text":"So I'm trying","start":1220.79,"end":1221.51,"sentiment":"neutral","sentiment_score":-0.10919772336880366}],"sentiment":"neutral","sentiment_score":-0.23119428215755355,"channel":0,"num_words":18,"start":1216.8049,"end":1221.51},{"sentences":[{"text":"Okay.","start":1221.495,"end":1221.84,"sentiment":"neutral","sentiment_score":-0.0814996138215065}],"sentiment":"neutral","sentiment_score":-0.0814996138215065,"channel":1,"num_words":1,"start":1221.495,"end":1221.84},{"sentences":[{"text":"to kinda go back through the old system.","start":1221.51,"end":1223.1101,"sentiment":"neutral","sentiment_score":-0.1507221721112728},{"text":"I do apologize about 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Angela?","start":1271.115,"end":1271.935,"sentiment":"neutral","sentiment_score":0.105446957051754}],"sentiment":"neutral","sentiment_score":0.105446957051754,"channel":0,"num_words":3,"start":1271.115,"end":1271.935},{"sentences":[{"text":"Yeah.","start":1271.515,"end":1271.915,"sentiment":"neutral","sentiment_score":0.1374685764312744},{"text":"Yeah.","start":1271.915,"end":1272.2351,"sentiment":"neutral","sentiment_score":0.2163166105747223},{"text":"That'll 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it's also considered a taxable income.","start":1314.77,"end":1319.7051,"sentiment":"neutral","sentiment_score":-0.05892960514341082}],"sentiment":"neutral","sentiment_score":-0.06039066495079743,"channel":0,"num_words":19,"start":1312.9299,"end":1319.7051},{"sentences":[{"text":"Yeah.","start":1321.005,"end":1321.505,"sentiment":"neutral","sentiment_score":0.03593495488166809},{"text":"Have a look.","start":1321.5651,"end":1322.285,"sentiment":"neutral","sentiment_score":0.02738000949223836},{"text":"If you could have a look and see if you can get the the 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anything over 1,000 per week net, so after tax to make","start":1336.3401,"end":1341.4601,"sentiment":"neutral","sentiment_score":0.004015841454799686}],"sentiment":"neutral","sentiment_score":0.0027085951219002406,"channel":0,"num_words":15,"start":1335.78,"end":1341.4601},{"sentences":[{"text":"Yeah.","start":1341.44,"end":1341.885,"sentiment":"neutral","sentiment_score":0.0674513727426529}],"sentiment":"neutral","sentiment_score":0.0674513727426529,"channel":1,"num_words":1,"start":1341.44,"end":1341.885},{"sentences":[{"text":"it easier.","start":1341.4601,"end":1342.095,"sentiment":"neutral","sentiment_score":0.09309514984488487},{"text":"Yep.","start":1342.655,"end":1342.975,"sentiment":"neutral","sentiment_score":0.13280048966407776},{"text":"Yeah.","start":1342.975,"end":1343.2949,"sentiment":"neutral","sentiment_score":0.20991793274879456},{"text":"Absolutely.","start":1343.2949,"end":1343.7949,"sentiment":"positive","sentiment_score":0.42142194509506226},{"text":"Not a problem at all.","start":1345.135,"end":1346.255,"sentiment":"positive","sentiment_score":0.3633415877819061}],"sentiment":"neutral","sentiment_score":0.2767038606107235,"channel":0,"num_words":10,"start":1341.4601,"end":1346.255},{"sentences":[{"text":"So I'll look at increasing the income protection.","start":1346.255,"end":1348.655,"sentiment":"neutral","sentiment_score":0.2156786136329174},{"text":"I'll look at all the options and see what we come out with.","start":1348.655,"end":1351.315,"sentiment":"neutral","sentiment_score":0.1633756200854595},{"text":"If","start":1351.5349,"end":1351.695,"sentiment":"neutral","sentiment_score":0.04358132556080818}],"sentiment":"neutral","sentiment_score":0.1769496952606873,"channel":0,"num_words":22,"start":1346.255,"end":1351.695},{"sentences":[{"text":"Mhmm.","start":1351.5651,"end":1352.0651,"sentiment":"neutral","sentiment_score":0.01943456195294857}],"sentiment":"neutral","sentiment_score":0.01943456195294857,"channel":1,"num_words":1,"start":1351.5651,"end":1352.0651},{"sentences":[{"text":"for any reason I can't get another option for you, I'll come back and have that conversation prior to us, going to the advice document just to make sure that you're aware of everything and talk about what your options might be moving forward.","start":1351.695,"end":1363.77,"sentiment":"neutral","sentiment_score":0.074019267054444},{"text":"Okay?","start":1363.83,"end":1364.33,"sentiment":"neutral","sentiment_score":0.21171391010284424},{"text":"Fantastic.","start":1365.59,"end":1366.09,"sentiment":"positive","sentiment_score":0.6361016035079956},{"text":"Now there are other types of insurances, and, look, honestly, we can insure everything to the health.","start":1366.39,"end":1371.465,"sentiment":"neutral","sentiment_score":0.18096651399836822},{"text":"Your main personal insurances are life TBD income protection.","start":1371.925,"end":1375.845,"sentiment":"neutral","sentiment_score":0.07678660212291612}],"sentiment":"neutral","sentiment_score":0.10933574195951223,"channel":0,"num_words":72,"start":1351.695,"end":1375.845},{"sentences":[{"text":"You can also hold other covers like trauma.","start":1375.845,"end":1378.265,"sentiment":"neutral","sentiment_score":0.04587897448800504},{"text":"So trauma pays out a 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additional coverage, say trauma as an additional benefit, or are you happy just with what you've got with the income protection in life and look at increasing income protection?","start":1400.735,"end":1411.3151,"sentiment":"neutral","sentiment_score":-0.011587544478690969},{"text":"What's your thoughts there?","start":1411.6951,"end":1412.82,"sentiment":"neutral","sentiment_score":-0.016367163974791765}],"sentiment":"neutral","sentiment_score":-0.04294061046127446,"channel":0,"num_words":69,"start":1391.35,"end":1412.82},{"sentences":[{"text":"I think probably increasing the protection, but I'm happy with just the the protection at the moment 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have you been able to reduce that since then?","start":1718.9199,"end":1723.1799,"sentiment":"neutral","sentiment_score":-0.0124021093477495}],"sentiment":"neutral","sentiment_score":0.03335348716380237,"channel":0,"num_words":23,"start":1715.655,"end":1723.1799},{"sentences":[{"text":"I think you've been able to do so.","start":1723.175,"end":1724.615,"sentiment":"neutral","sentiment_score":0.09175250213593245},{"text":"I'm just gonna ask my husband.","start":1724.615,"end":1725.995,"sentiment":"neutral","sentiment_score":0.005846721430619557}],"sentiment":"neutral","sentiment_score":0.05493573897651264,"channel":1,"num_words":14,"start":1723.175,"end":1725.995},{"sentences":[{"text":"Yeah.","start":1726.6,"end":1726.84,"sentiment":"neutral","sentiment_score":0.07406021654605865},{"text":"You're 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need to confirm your date of birth and address I should have on file for you as a quick security check there as well.","start":2191.84,"end":2198.1,"sentiment":"neutral","sentiment_score":0.0924940539094118}],"sentiment":"neutral","sentiment_score":0.0924940539094118,"channel":0,"num_words":26,"start":2191.84,"end":2198.1},{"sentences":[{"text":"08/01/1984,","start":2200.105,"end":2202.35,"sentiment":"neutral","sentiment_score":0.018046703189611435}],"sentiment":"neutral","sentiment_score":0.018046703189611435,"channel":1,"num_words":1,"start":2200.105,"end":2202.35},{"sentences":[{"text":"Yep.","start":2202.96,"end":2203.46,"sentiment":"neutral","sentiment_score":0.026554202660918236}],"sentiment":"neutral","sentiment_score":0.026554202660918236,"channel":0,"num_words":1,"start":2202.96,"end":2203.46},{"sentences":[{"text":"Line 49 Strike 49, Cambridge 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you so much for that, and happy birthday for seventeen days ago.","start":2211.115,"end":2214.195,"sentiment":"positive","sentiment_score":0.502721023101073},{"text":"I hope you had a good day.","start":2214.195,"end":2215.7751,"sentiment":"positive","sentiment_score":0.47605027897017343}],"sentiment":"positive","sentiment_score":0.4885152479012807,"channel":0,"num_words":21,"start":2210.395,"end":2215.7751},{"sentences":[{"text":"I was.","start":2217.2249,"end":2217.9648,"sentiment":"neutral","sentiment_score":0.2445874810218811},{"text":"It was good.","start":2218.265,"end":2219.2449,"sentiment":"positive","sentiment_score":0.41668615738550824},{"text":"Thank you.","start":2219.865,"end":2220.605,"sentiment":"positive","sentiment_score":0.3640809804201126}],"sentiment":"positive","sentiment_score":0.35248505643435885,"channel":1,"num_words":7,"start":2217.2249,"end":2220.605},{"sentences":[{"text":"No worries.","start":2221.41,"end":2222.07,"sentiment":"neutral","sentiment_score":0.13195884972810745},{"text":"All good.","start":2222.85,"end":2223.49,"sentiment":"neutral","sentiment_score":0.1906718835234642},{"text":"So now I did send through some documents to your email giving you an update on your super and insurances.","start":2223.49,"end":2228.79,"sentiment":"neutral","sentiment_score":0.08689966723322869},{"text":"Are you able to log in to your emails?","start":2229.01,"end":2231.03,"sentiment":"neutral","sentiment_score":0.028564732521772385},{"text":"If you can't, they are also attached to Angela's email there.","start":2231.09,"end":2234.885,"sentiment":"neutral","sentiment_score":0.04182815009897405}],"sentiment":"neutral","sentiment_score":0.07046470579437235,"channel":0,"num_words":44,"start":2221.41,"end":2234.885},{"sentences":[{"text":"It's up to you how you'd like to go through those, or I'm happy just to give you the 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obviously, market reactions.","start":2306.765,"end":2310.8298,"sentiment":"negative","sentiment_score":-0.33856715949682087},{"text":"You've had you know, your super balances increase.","start":2310.8298,"end":2312.99,"sentiment":"neutral","sentiment_score":-0.20732926577329636},{"text":"You've had some income reduces there.","start":2312.99,"end":2315.0898,"sentiment":"neutral","sentiment_score":-0.2082230125864347}],"sentiment":"neutral","sentiment_score":-0.15926433060990852,"channel":0,"num_words":72,"start":2291.35,"end":2315.0898},{"sentences":[{"text":"But overall, the growth is showing it's down a little bit.","start":2315.23,"end":2318.0498,"sentiment":"neutral","sentiment_score":-0.30790115080096503},{"text":"As the as this sort of went through with Angela, I have sort of noticed there are some investments that are underperforming in your super.","start":2318.51,"end":2324.685,"sentiment":"neutral","sentiment_score":-0.270799520611763},{"text":"So I would like to update the 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super, we essentially put a beneficiary nomination on those products to show what happens if something happens to each of you.","start":2682.35,"end":2692.3152,"sentiment":"neutral","sentiment_score":0.11801269203424454},{"text":"The","start":2692.695,"end":2692.935,"sentiment":"neutral","sentiment_score":0.03724517300724983}],"sentiment":"neutral","sentiment_score":0.12197934473968214,"channel":0,"num_words":36,"start":2680.27,"end":2692.935},{"sentences":[{"text":"Mhmm.","start":2692.9,"end":2693.4,"sentiment":"neutral","sentiment_score":0.03212782368063927}],"sentiment":"neutral","sentiment_score":0.03212782368063927,"channel":1,"num_words":1,"start":2692.9,"end":2693.4},{"sentences":[{"text":"other aspect is if something happens to both of you, that's where a will comes into play.","start":2692.935,"end":2697.9,"sentiment":"neutral","sentiment_score":-0.0061894598800469845},{"text":"Have you guys spoken to a solicitor or had a will drawn up in the past at 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future.","start":2736.53,"end":2743.165,"sentiment":"neutral","sentiment_score":0.02608046206561002}],"sentiment":"neutral","sentiment_score":0.02608046206561002,"channel":0,"num_words":22,"start":2736.53,"end":2743.165},{"sentences":[{"text":"Okay.","start":2743.3875,"end":2743.8875,"sentiment":"neutral","sentiment_score":0.07966379821300507}],"sentiment":"neutral","sentiment_score":0.07966379821300507,"channel":1,"num_words":1,"start":2743.3875,"end":2743.8875},{"sentences":[{"text":"And that's something that is done by a qualified solicitor or a lawyer.","start":2743.465,"end":2747.965,"sentiment":"neutral","sentiment_score":0.09033130567807418},{"text":"You can also, depending on your comfort level, get a will kit drawn up.","start":2748.665,"end":2752.83,"sentiment":"neutral","sentiment_score":0.09422105763639722},{"text":"You can buy a will kit fairly simply from the post office about 30 or $35 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decisions on on your own behalf, who would you appoint to be your attorney to make decisions, and","start":2782.42,"end":2789.38,"sentiment":"neutral","sentiment_score":0.10761787984520196}],"sentiment":"neutral","sentiment_score":0.10761787984520196,"channel":0,"num_words":20,"start":2782.42,"end":2789.38},{"sentences":[{"text":"Yep.","start":2789.145,"end":2789.645,"sentiment":"neutral","sentiment_score":0.17310146987438202}],"sentiment":"neutral","sentiment_score":0.17310146987438202,"channel":1,"num_words":1,"start":2789.145,"end":2789.645},{"sentences":[{"text":"what would you how would you want them to act on your behalf as well?","start":2789.38,"end":2792.5452,"sentiment":"neutral","sentiment_score":0.1852330634991328},{"text":"Does 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just pays a monthly benefit pretax of 3,000","start":3126.0552,"end":3131.495,"sentiment":"neutral","sentiment_score":0.12663094140589237}],"sentiment":"neutral","sentiment_score":0.15819221068369715,"channel":0,"num_words":19,"start":3122.21,"end":3131.495},{"sentences":[{"text":"Nice.","start":3131.02,"end":3131.52,"sentiment":"neutral","sentiment_score":0.12373098731040956}],"sentiment":"neutral","sentiment_score":0.12373098731040956,"channel":1,"num_words":1,"start":3131.02,"end":3131.52},{"sentences":[{"text":"675.","start":3131.495,"end":3133.3552,"sentiment":"neutral","sentiment_score":0.03671421855688095},{"text":"If you think about now your income I'm just grabbing your account.","start":3134.215,"end":3139.5132,"sentiment":"neutral","sentiment_score":0.00042370924105246833},{"text":"I do apologize.","start":3139.5132,"end":3140.2798,"sentiment":"neutral","sentiment_score":-0.061408258974552155},{"text":"What is your current income?","start":3140.5,"end":3142.0999,"sentiment":"neutral","sentiment_score":-0.027625991404056548},{"text":"What are you earning at the moment?","start":3142.0999,"end":3143.72,"sentiment":"neutral","sentiment_score":-0.008354970653142248}],"sentiment":"neutral","sentiment_score":-0.012108599966658013,"channel":0,"num_words":28,"start":3131.495,"end":3143.72},{"sentences":[{"text":"I think I had here last time you were on about","start":3143.94,"end":3146.66,"sentiment":"neutral","sentiment_score":-0.02284084412861954}],"sentiment":"neutral","sentiment_score":-0.02284084412861954,"channel":0,"num_words":11,"start":3143.94,"end":3146.66},{"sentences":[{"text":"I","start":3146.735,"end":3146.975,"sentiment":"neutral","sentiment_score":-0.011166509240865707}],"sentiment":"neutral","sentiment_score":-0.011166509240865707,"channel":1,"num_words":1,"start":3146.735,"end":3146.975},{"sentences":[{"text":"thousand.","start":3146.74,"end":3147.24,"sentiment":"neutral","sentiment_score":-0.01724279299378395}],"sentiment":"neutral","sentiment_score":-0.01724279299378395,"channel":0,"num_words":1,"start":3146.74,"end":3147.24},{"sentences":[{"text":"think 1,000 a 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or","start":3152.655,"end":3155.855,"sentiment":"neutral","sentiment_score":0.00442957654595375}],"sentiment":"neutral","sentiment_score":0.005340144503861666,"channel":0,"num_words":12,"start":3149.2998,"end":3155.855},{"sentences":[{"text":"Yeah.","start":3155.6301,"end":3156.1301,"sentiment":"neutral","sentiment_score":0.0034031765535473824}],"sentiment":"neutral","sentiment_score":0.0034031765535473824,"channel":1,"num_words":1,"start":3155.6301,"end":3156.1301},{"sentences":[{"text":"gross?","start":3155.855,"end":3156.355,"sentiment":"neutral","sentiment_score":-0.0015217922627925873},{"text":"Yep.","start":3156.975,"end":3157.475,"sentiment":"neutral","sentiment_score":0.01097667496651411}],"sentiment":"neutral","sentiment_score":0.004727441351860762,"channel":0,"num_words":2,"start":3155.855,"end":3157.475},{"sentences":[{"text":"No.","start":3157.3901,"end":3157.71,"sentiment":"neutral","sentiment_score":-0.08607582747936249},{"text":"No.","start":3157.71,"end":3158.21,"sentiment":"neutral","sentiment_score":-0.0834401547908783}],"sentiment":"neutral","sentiment_score":-0.08475799113512039,"channel":1,"num_words":2,"start":3157.3901,"end":3158.21},{"sentences":[{"text":"Net.","start":3158.895,"end":3159.395,"sentiment":"neutral","sentiment_score":-0.06723777204751968},{"text":"Okay.","start":3159.455,"end":3159.935,"sentiment":"neutral","sentiment_score":0.004536205902695656}],"sentiment":"neutral","sentiment_score":-0.031350783072412014,"channel":0,"num_words":2,"start":3158.895,"end":3159.935},{"sentences":[{"text":"Yeah.","start":3159.71,"end":3160.21,"sentiment":"neutral","sentiment_score":0.1978401839733124}],"sentiment":"neutral","sentiment_score":0.1978401839733124,"channel":1,"num_words":1,"start":3159.71,"end":3160.21},{"sentences":[{"text":"Beautiful.","start":3159.935,"end":3160.435,"sentiment":"positive","sentiment_score":0.5872758626937866},{"text":"That's okay.","start":3160.975,"end":3161.7952,"sentiment":"positive","sentiment_score":0.43243609368801117},{"text":"So, realistically, so your take home pay is about 52,000 per annum.","start":3163.5352,"end":3168.04,"sentiment":"neutral","sentiment_score":0.07315358333289623},{"text":"So you're on just over 60,000 a year.","start":3168.04,"end":3170.6199,"sentiment":"neutral","sentiment_score":0.06758042657747865},{"text":"Do you know have you done your tax or seen your final pay for last year?","start":3171.24,"end":3175.56,"sentiment":"neutral","sentiment_score":0.010622412723023444}],"sentiment":"neutral","sentiment_score":0.077963924775712,"channel":0,"num_words":39,"start":3159.935,"end":3175.56},{"sentences":[{"text":"Do you know do you know what you earned last financial year total gross?","start":3175.56,"end":3179.2751,"sentiment":"neutral","sentiment_score":-0.0002234405837953093}],"sentiment":"neutral","sentiment_score":-0.0002234405837953093,"channel":0,"num_words":14,"start":3175.56,"end":3179.2751},{"sentences":[{"text":"Yeah.","start":3180.0898,"end":3180.41,"sentiment":"neutral","sentiment_score":-0.0238809771835804},{"text":"Because my work is up and down up and down.","start":3180.41,"end":3182.89,"sentiment":"neutral","sentiment_score":-0.14298380985856057},{"text":"It's not the same all the time.","start":3182.89,"end":3184.99,"sentiment":"neutral","sentiment_score":-0.18917027967316763}],"sentiment":"neutral","sentiment_score":-0.15432839074896443,"channel":1,"num_words":18,"start":3180.0898,"end":3184.99},{"sentences":[{"text":"Yeah.","start":3184.935,"end":3185.435,"sentiment":"neutral","sentiment_score":-0.038248755037784576}],"sentiment":"neutral","sentiment_score":-0.038248755037784576,"channel":0,"num_words":1,"start":3184.935,"end":3185.435},{"sentences":[{"text":"So,","start":3185.13,"end":3185.63,"sentiment":"neutral","sentiment_score":-0.019869521260261536}],"sentiment":"neutral","sentiment_score":-0.019869521260261536,"channel":1,"num_words":1,"start":3185.13,"end":3185.63},{"sentences":[{"text":"Yeah.","start":3185.735,"end":3186.235,"sentiment":"neutral","sentiment_score":-0.023990869522094727}],"sentiment":"neutral","sentiment_score":-0.023990869522094727,"channel":0,"num_words":1,"start":3185.735,"end":3186.235},{"sentences":[{"text":"yeah, sometimes it might go to 60, 62, and then maybe maybe next year different.","start":3186.3298,"end":3192.43,"sentiment":"neutral","sentiment_score":-0.04920272181431452}],"sentiment":"neutral","sentiment_score":-0.04920272181431452,"channel":1,"num_words":15,"start":3186.3298,"end":3192.43},{"sentences":[{"text":"Okay.","start":3193.415,"end":3193.86,"sentiment":"neutral","sentiment_score":0.011347181163728235}],"sentiment":"neutral","sentiment_score":0.011347181163728235,"channel":0,"num_words":1,"start":3193.415,"end":3193.86},{"sentences":[{"text":"Yeah.","start":3193.835,"end":3194.335,"sentiment":"neutral","sentiment_score":0.01792747713625431}],"sentiment":"neutral","sentiment_score":0.01792747713625431,"channel":1,"num_words":1,"start":3193.835,"end":3194.335},{"sentences":[{"text":"So if we work on, say, $6,060,000 as a bit of a buffer there, with income protection, you can cover up to 70% of your income if you're off work due to illness or injury.","start":3194.5,"end":3206.775,"sentiment":"neutral","sentiment_score":0.012760884381298509},{"text":"So based on an income of 60,000, you would need to be covered for a monthly benefit of 3,500.","start":3207.155,"end":3215.095,"sentiment":"neutral","sentiment_score":0.027593368958485753},{"text":"So your monthly benefit that you're covered for of $3,006.07 5 is slightly over that, but it means that if your income is up to, say, 62 or 63,000, you have a a little bit more cover to, you know, to provide for expenses if you're not able to work.","start":3215.555,"end":3232.625,"sentiment":"neutral","sentiment_score":0.0002042306587100029},{"text":"Does that make sense?","start":3232.625,"end":3233.665,"sentiment":"neutral","sentiment_score":0.02481778711080551},{"text":"Do you have questions?","start":3233.665,"end":3234.725,"sentiment":"neutral","sentiment_score":-0.0020440786611288786}],"sentiment":"neutral","sentiment_score":0.009573315449025748,"channel":0,"num_words":112,"start":3194.5,"end":3234.725},{"sentences":[{"text":"No.","start":3235.3452,"end":3235.5852,"sentiment":"neutral","sentiment_score":-0.08206092566251755},{"text":"No.","start":3235.5852,"end":3236.0852,"sentiment":"neutral","sentiment_score":-0.09260761737823486}],"sentiment":"neutral","sentiment_score":-0.0873342715203762,"channel":1,"num_words":2,"start":3235.3452,"end":3236.0852},{"sentences":[{"text":"That that's okay.","start":3236.385,"end":3237.345,"sentiment":"neutral","sentiment_score":-0.04704160119096438},{"text":"You are you happy with that level of cover for income 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you're","start":3241.025,"end":3242.065,"sentiment":"neutral","sentiment_score":0.18257294595241547}],"sentiment":"neutral","sentiment_score":0.18257294595241547,"channel":0,"num_words":5,"start":3241.025,"end":3242.065},{"sentences":[{"text":"yeah.","start":3241.82,"end":3242.32,"sentiment":"neutral","sentiment_score":0.10587149113416672}],"sentiment":"neutral","sentiment_score":0.10587149113416672,"channel":1,"num_words":1,"start":3241.82,"end":3242.32},{"sentences":[{"text":"earning.","start":3242.065,"end":3242.43,"sentiment":"neutral","sentiment_score":0.03385120630264282}],"sentiment":"neutral","sentiment_score":0.03385120630264282,"channel":0,"num_words":1,"start":3242.065,"end":3242.43},{"sentences":[{"text":"3 something a 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lower.","start":3252.99,"end":3255.49,"sentiment":"neutral","sentiment_score":0.01283380389213562}],"sentiment":"neutral","sentiment_score":0.0037047030698311957,"channel":0,"num_words":38,"start":3245.15,"end":3255.49},{"sentences":[{"text":"But, yeah, it it they kind of have to account for that.","start":3256.575,"end":3260.335,"sentiment":"neutral","sentiment_score":-0.05330812558531761},{"text":"Unfortunately, insurances aren't all tax free.","start":3260.335,"end":3263.855,"sentiment":"neutral","sentiment_score":-0.2503203476468722},{"text":"It's wrong.","start":3263.855,"end":3264.575,"sentiment":"neutral","sentiment_score":-0.2800215482711792},{"text":"It shouldn't be that way.","start":3264.575,"end":3265.875,"sentiment":"neutral","sentiment_score":-0.20719631910324096},{"text":"But, yeah, look.","start":3266.4949,"end":3267.295,"sentiment":"neutral","sentiment_score":0.020429083456595738}],"sentiment":"neutral","sentiment_score":-0.13129846552120789,"channel":0,"num_words":28,"start":3256.575,"end":3267.295},{"sentences":[{"text":"You're covered for the monthly benefit of 3,675.","start":3267.295,"end":3271.4802,"sentiment":"neutral","sentiment_score":0.1240939637646079},{"text":"And as long as you're comfortable with that, theoretically, you get on a monthly basis a little over 3,000.","start":3271.4802,"end":3277.6602,"sentiment":"neutral","sentiment_score":0.13306877056234762},{"text":"Do you think that would be fairly comfortable for you?","start":3277.9602,"end":3280.7002,"sentiment":"neutral","sentiment_score":0.12048120349645615}],"sentiment":"neutral","sentiment_score":0.1277262266423251,"channel":0,"num_words":37,"start":3267.295,"end":3280.7002},{"sentences":[{"text":"Yeah.","start":3282.0552,"end":3282.375,"sentiment":"neutral","sentiment_score":0.1030077114701271},{"text":"I think so.","start":3282.375,"end":3283.435,"sentiment":"neutral","sentiment_score":0.12643900016943613}],"sentiment":"neutral","sentiment_score":0.12058117799460888,"channel":1,"num_words":4,"start":3282.0552,"end":3283.435},{"sentences":[{"text":"Yes.","start":3284.04,"end":3284.4402,"sentiment":"neutral","sentiment_score":0.14123359322547913},{"text":"Yep.","start":3284.4402,"end":3284.76,"sentiment":"neutral","sentiment_score":0.1591918170452118},{"text":"That's okay.","start":3284.76,"end":3286.505,"sentiment":"neutral","sentiment_score":0.17086943984031677},{"text":"After the call, you're both welcome to sort of have a little chat about what we've gone through.","start":3286.645,"end":3291.045,"sentiment":"neutral","sentiment_score":0.1256260122689936},{"text":"If either of you find you have additional questions or need any additional information, if you like, I can also do up, like, a general email which is with the amount of cover that you both have and just a bit of a rundown on what those covers cover, just some general information to kinda give you a little bit of backup.","start":3291.045,"end":3309.01,"sentiment":"neutral","sentiment_score":0.10553754030937149}],"sentiment":"neutral","sentiment_score":0.11246142869016953,"channel":0,"num_words":84,"start":3284.04,"end":3309.01},{"sentences":[{"text":"Would you like me to do that for you after the call as well?","start":3309.01,"end":3311.595,"sentiment":"neutral","sentiment_score":0.09201499048088278},{"text":"Well?","start":3311.9949,"end":3312.4949,"sentiment":"neutral","sentiment_score":0.04846687242388725}],"sentiment":"neutral","sentiment_score":0.08911178261041641,"channel":0,"num_words":15,"start":3309.01,"end":3312.4949},{"sentences":[{"text":"Yeah.","start":3312.195,"end":3312.435,"sentiment":"neutral","sentiment_score":0.22410106658935547},{"text":"That'll be great.","start":3312.435,"end":3313.235,"sentiment":"positive","sentiment_score":0.6046119729677836},{"text":"Thank you.","start":3313.235,"end":3313.975,"sentiment":"positive","sentiment_score":0.7041023969650269}],"sentiment":"positive","sentiment_score":0.5743569632371267,"channel":1,"num_words":6,"start":3312.195,"end":3313.975},{"sentences":[{"text":"Yeah.","start":3313.835,"end":3314.155,"sentiment":"positive","sentiment_score":0.4241370856761933},{"text":"Beautiful.","start":3314.155,"end":3314.655,"sentiment":"positive","sentiment_score":0.6055764555931091},{"text":"Just because I know I go through a lot, so more than happy to break it down and send a bit of a recap just to go through the important things so you can sort of see it on paper and go, oh, maybe this isn't right.","start":3314.795,"end":3326.25,"sentiment":"neutral","sentiment_score":0.2855753617242296},{"text":"Maybe we do need to look at this, and you can always come back and let me know if there's more conversations to be had.","start":3326.25,"end":3331.4502,"sentiment":"neutral","sentiment_score":0.09385199785232544},{"text":"Is that okay?","start":3331.4502,"end":3332.35,"sentiment":"neutral","sentiment_score":0.08871923883756001}],"sentiment":"neutral","sentiment_score":0.22161315850816765,"channel":0,"num_words":77,"start":3313.835,"end":3332.35},{"sentences":[{"text":"Yeah.","start":3332.545,"end":3332.785,"sentiment":"neutral","sentiment_score":0.09219401329755784},{"text":"That's fine.","start":3332.785,"end":3333.685,"sentiment":"neutral","sentiment_score":0.1542595997452736}],"sentiment":"neutral","sentiment_score":0.13357107092936835,"channel":1,"num_words":3,"start":3332.545,"end":3333.685},{"sentences":[{"text":"Yep.","start":3334.01,"end":3334.4102,"sentiment":"neutral","sentiment_score":0.22183504700660703},{"text":"Beautiful.","start":3334.4102,"end":3334.9102,"sentiment":"positive","sentiment_score":0.5820475816726685},{"text":"Fantastic.","start":3335.29,"end":3335.79,"sentiment":"positive","sentiment_score":0.5897858738899231},{"text":"So with I've updated a lot of the same things that we sort of spoke about, Angela, just with your expenditure and savings, you guys are able to save around about $600 on a weekly basis.","start":3337.565,"end":3347.9648,"sentiment":"neutral","sentiment_score":0.29626117853654754},{"text":"Is that together between the two of you?","start":3347.9648,"end":3350.19,"sentiment":"neutral","sentiment_score":0.1393652968108654}],"sentiment":"neutral","sentiment_score":0.28029772988025176,"channel":0,"num_words":47,"start":3334.01,"end":3350.19},{"sentences":[{"text":"Yes.","start":3352.01,"end":3352.49,"sentiment":"neutral","sentiment_score":0.09774111956357956},{"text":"I think 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right?","start":3583.99,"end":3584.89,"sentiment":"neutral","sentiment_score":0.12535776694615683}],"sentiment":"neutral","sentiment_score":0.11746561713516712,"channel":0,"num_words":8,"start":3582.63,"end":3584.89},{"sentences":[{"text":"Yeah.","start":3585.11,"end":3585.61,"sentiment":"neutral","sentiment_score":0.03600006550550461},{"text":"And, like, we","start":3585.6702,"end":3586.4702,"sentiment":"neutral","sentiment_score":0.023697831978400547}],"sentiment":"neutral","sentiment_score":0.026773390360176563,"channel":1,"num_words":4,"start":3585.11,"end":3586.4702},{"sentences":[{"text":"Yeah.","start":3586.63,"end":3587.13,"sentiment":"neutral","sentiment_score":0.029830114915966988}],"sentiment":"neutral","sentiment_score":0.029830114915966988,"channel":0,"num_words":1,"start":3586.63,"end":3587.13},{"sentences":[{"text":"obviously, we wanted to know our options because, like, if it's going to kind of, you know, limit our so, like, we obviously wanna retire at 60, but if we were going to go and do this investment property, does it gonna is it gonna extend our retirement age to, you know, an additional","start":3586.6301,"end":3605.44,"sentiment":"neutral","sentiment_score":-0.007260971857855718}],"sentiment":"neutral","sentiment_score":-0.007260971857855718,"channel":1,"num_words":54,"start":3586.6301,"end":3605.44},{"sentences":[{"text":"Mhmm.","start":3605.2048,"end":3605.34,"sentiment":"neutral","sentiment_score":-0.023702606558799744}],"sentiment":"neutral","sentiment_score":-0.023702606558799744,"channel":0,"num_words":1,"start":3605.2048,"end":3605.34},{"sentences":[{"text":"ten years or an additional five years or whatever it may be or","start":3605.44,"end":3608.74,"sentiment":"neutral","sentiment_score":-0.031026814276209243}],"sentiment":"neutral","sentiment_score":-0.031026814276209243,"channel":1,"num_words":13,"start":3605.44,"end":3608.74},{"sentences":[{"text":"Yep.","start":3609.1,"end":3609.6,"sentiment":"neutral","sentiment_score":-0.017382793128490448},{"text":"Absolutely.","start":3609.6602,"end":3610.1602,"sentiment":"neutral","sentiment_score":-0.0019316859543323517}],"sentiment":"neutral","sentiment_score":-0.0096572395414114,"channel":0,"num_words":2,"start":3609.1,"end":3610.1602},{"sentences":[{"text":"those kinds of folks.","start":3609.92,"end":3610.96,"sentiment":"neutral","sentiment_score":-0.014156723860651255}],"sentiment":"neutral","sentiment_score":-0.014156723860651255,"channel":1,"num_words":4,"start":3609.92,"end":3610.96},{"sentences":[{"text":"Yeah.","start":3610.7002,"end":3611.2002,"sentiment":"neutral","sentiment_score":0.019703079015016556}],"sentiment":"neutral","sentiment_score":0.019703079015016556,"channel":0,"num_words":1,"start":3610.7002,"end":3611.2002},{"sentences":[{"text":"Yeah.","start":3610.96,"end":3611.46,"sentiment":"neutral","sentiment_score":0.025265010073781013}],"sentiment":"neutral","sentiment_score":0.025265010073781013,"channel":1,"num_words":1,"start":3610.96,"end":3611.46},{"sentences":[{"text":"Yeah.","start":3611.58,"end":3612.06,"sentiment":"neutral","sentiment_score":0.03989763557910919},{"text":"Definitely.","start":3612.06,"end":3612.56,"sentiment":"neutral","sentiment_score":0.06482113152742386},{"text":"So, realistically, the only way that we did have to be able to use our super to buy an investment property was to have a self managed super fund.","start":3613.1802,"end":3621.625,"sentiment":"neutral","sentiment_score":-0.00040834971928390963},{"text":"So in the super fund that you both have within hub twenty four, we're able to hold listed properties.","start":3621.625,"end":3626.345,"sentiment":"neutral","sentiment_score":0.028655126592830607},{"text":"So we can hold investments in property funds.","start":3626.345,"end":3629.1648,"sentiment":"neutral","sentiment_score":0.020887366263195872}],"sentiment":"neutral","sentiment_score":0.01386936138994221,"channel":0,"num_words":58,"start":3611.58,"end":3629.1648},{"sentences":[{"text":"In order to buy an actual house, we we used to have to have a self managed super fund, and we used to be able to get a loan within that super fund where the super fund would own the house.","start":3629.865,"end":3639.98,"sentiment":"neutral","sentiment_score":-0.006117731923373734},{"text":"The rent would pay that down and our contributions, and then by our time, we would have to sell the property or find a way to have the income cover, you know, our living expenses.","start":3640.5999,"end":3646.8599,"sentiment":"neutral","sentiment_score":-0.023951419708984237}],"sentiment":"neutral","sentiment_score":-0.014330614456220678,"channel":0,"num_words":76,"start":3629.865,"end":3646.8599},{"sentences":[{"text":"Mhmm.","start":3651.9949,"end":3652.4949,"sentiment":"neutral","sentiment_score":-0.07936827838420868}],"sentiment":"neutral","sentiment_score":-0.07936827838420868,"channel":1,"num_words":1,"start":3651.9949,"end":3652.4949},{"sentences":[{"text":"Unfortunately, as of the last week of June,","start":3652.195,"end":3654.695,"sentiment":"neutral","sentiment_score":-0.21906952746212482}],"sentiment":"neutral","sentiment_score":-0.21906952746212482,"channel":0,"num_words":8,"start":3652.195,"end":3654.695},{"sentences":[{"text":"Mhmm.","start":3656.2349,"end":3656.7349,"sentiment":"neutral","sentiment_score":-0.16062404215335846}],"sentiment":"neutral","sentiment_score":-0.16062404215335846,"channel":1,"num_words":1,"start":3656.2349,"end":3656.7349},{"sentences":[{"text":"and as of essentially seven days ago now, the government has changed the rules on self managed super funds.","start":3656.355,"end":3662.7,"sentiment":"neutral","sentiment_score":-0.2116243815735767},{"text":"So we can no longer hold a loan within a a super fund to hold residential properties.","start":3662.7,"end":3668.64,"sentiment":"neutral","sentiment_score":-0.20289250156458685},{"text":"So they don't let us do that anymore.","start":3668.7,"end":3670.94,"sentiment":"neutral","sentiment_score":-0.22441628947854042},{"text":"The only way you could hold have property within a self managed super fund now is to buy a commercial property and get a loan for that or to have enough money to buy the property outright, which don't quite have at the moment.","start":3670.94,"end":3684.685,"sentiment":"neutral","sentiment_score":-0.0733590680597858}],"sentiment":"neutral","sentiment_score":-0.14196778507903218,"channel":0,"num_words":88,"start":3656.355,"end":3684.685},{"sentences":[{"text":"No.","start":3685.1,"end":3685.6,"sentiment":"negative","sentiment_score":-0.3679508566856384}],"sentiment":"negative","sentiment_score":-0.3679508566856384,"channel":1,"num_words":1,"start":3685.1,"end":3685.6},{"sentences":[{"text":"So it means that, realistically, we can't use super to do that currently.","start":3685.225,"end":3689.325,"sentiment":"negative","sentiment_score":-0.4498036549641536}],"sentiment":"negative","sentiment_score":-0.4498036549641536,"channel":0,"num_words":13,"start":3685.225,"end":3689.325},{"sentences":[{"text":"Mhmm.","start":3690.06,"end":3690.56,"sentiment":"neutral","sentiment_score":-0.011069771833717825}],"sentiment":"neutral","sentiment_score":-0.011069771833717825,"channel":1,"num_words":1,"start":3690.06,"end":3690.56},{"sentences":[{"text":"There are other options where you could look at your borrowing capacity and speak to a mortgage broker to see whether you could buy an investment property and what sort of what your borrowing capacity might look like or how much you can borrow based on your expenses, I could","start":3690.3,"end":3706.565,"sentiment":"neutral","sentiment_score":0.11840726979076863}],"sentiment":"neutral","sentiment_score":0.11840726979076863,"channel":0,"num_words":50,"start":3690.3,"end":3706.565},{"sentences":[{"text":"Mhmm.","start":3706.345,"end":3706.845,"sentiment":"neutral","sentiment_score":0.22843772172927856}],"sentiment":"neutral","sentiment_score":0.22843772172927856,"channel":1,"num_words":1,"start":3706.345,"end":3706.845},{"sentences":[{"text":"certainly refer you through to a mortgage broker to do that.","start":3706.565,"end":3709.605,"sentiment":"neutral","sentiment_score":0.2787041122263128},{"text":"We don't do that because we don't have a credit license, so it's not something financial advisers do without a credit license.","start":3709.605,"end":3716.345,"sentiment":"neutral","sentiment_score":-0.1736245656555349}],"sentiment":"neutral","sentiment_score":-0.022848339694919007,"channel":0,"num_words":33,"start":3706.565,"end":3716.345},{"sentences":[{"text":"Uh-huh.","start":3716.93,"end":3717.43,"sentiment":"neutral","sentiment_score":0.07920379936695099}],"sentiment":"neutral","sentiment_score":0.07920379936695099,"channel":1,"num_words":1,"start":3716.93,"end":3717.43},{"sentences":[{"text":"But I can refer you through to some great mortgage brokers who can have a look at your borrowing capacity, have a look at your family circumstances and your expenditure, and see whether or not you're able to get a loan and what you might be able to borrow.","start":3717.09,"end":3730.3901,"sentiment":"neutral","sentiment_score":0.2644282272275613},{"text":"They also take into account what kind of equity you have in your property as well, and what kind of rental income you might be able to receive from the possible property there as well.","start":3730.77,"end":3740.875,"sentiment":"neutral","sentiment_score":0.184283923464162},{"text":"So","start":3740.875,"end":3741.375,"sentiment":"neutral","sentiment_score":-0.005018219351768494}],"sentiment":"neutral","sentiment_score":0.22825767336522831,"channel":0,"num_words":85,"start":3717.09,"end":3741.375},{"sentences":[{"text":"No.","start":3741.67,"end":3742.17,"sentiment":"neutral","sentiment_score":-0.08073683083057404}],"sentiment":"neutral","sentiment_score":-0.08073683083057404,"channel":1,"num_words":1,"start":3741.67,"end":3742.17},{"sentences":[{"text":"there's a lot of things to take into an account there.","start":3741.755,"end":3744.815,"sentiment":"neutral","sentiment_score":-0.1289359652860598},{"text":"When it comes to sort of holding a property, generally, we have a thirty year loan term on properties because it lowers the amount of of repayments we make, and it's easier for servicing.","start":3745.7,"end":3756.2,"sentiment":"neutral","sentiment_score":0.06693451939260259},{"text":"It does mean that with eighteen years to the age of 60, getting a new another property now means that you're extending your loan.","start":3757.46,"end":3766.035,"sentiment":"neutral","sentiment_score":0.03343785655063888},{"text":"So as","start":3766.035,"end":3766.595,"sentiment":"neutral","sentiment_score":0.009033210575580597}],"sentiment":"neutral","sentiment_score":0.023634549571384847,"channel":0,"num_words":71,"start":3741.755,"end":3766.595},{"sentences":[{"text":"Yeah.","start":3766.5,"end":3767.0,"sentiment":"neutral","sentiment_score":-0.00378735177218914}],"sentiment":"neutral","sentiment_score":-0.00378735177218914,"channel":1,"num_words":1,"start":3766.5,"end":3767.0},{"sentences":[{"text":"an example, you owe 560,000 on the property at the moment.","start":3766.595,"end":3771.815,"sentiment":"neutral","sentiment_score":-0.03685680827633901},{"text":"If you then borrow, if you then release equity and draw another 100,000 off the property loan to put towards, you know, getting a new property and say you then had to borrow 500,000 on top of that, you would have three loans.","start":3772.4348,"end":3788.865,"sentiment":"neutral","sentiment_score":0.026536260406638302},{"text":"Your main primary residence loan, which is essentially the $5.60 you have owing now, then you've also got an equity loan, which is that extra 100,000 sitting there, and then you've also got the investment loan as well, which is the extra 500,000 you've borrowed.","start":3789.0051,"end":3805.93,"sentiment":"neutral","sentiment_score":0.10549544973505867},{"text":"All three of those loans would be reassessed at a thirty year loan term.","start":3806.63,"end":3810.95,"sentiment":"neutral","sentiment_score":0.1683223769068718},{"text":"So it means you can pay them down in that eighteen years if you've got extra cash and can, you know,","start":3810.95,"end":3818.0452,"sentiment":"neutral","sentiment_score":0.31334534216494786}],"sentiment":"neutral","sentiment_score":0.1076096642289811,"channel":0,"num_words":134,"start":3766.595,"end":3818.0452},{"sentences":[{"text":"Mhmm.","start":3817.89,"end":3818.39,"sentiment":"neutral","sentiment_score":0.26024696230888367}],"sentiment":"neutral","sentiment_score":0.26024696230888367,"channel":1,"num_words":1,"start":3817.89,"end":3818.39},{"sentences":[{"text":"pump money into it faster.","start":3818.0452,"end":3819.5852,"sentiment":"neutral","sentiment_score":0.3192388653755188},{"text":"But, realistically, most people then would end up with a mortgage into retirement,","start":3819.965,"end":3824.625,"sentiment":"neutral","sentiment_score":0.11981217907025264}],"sentiment":"neutral","sentiment_score":0.17520848082171547,"channel":0,"num_words":18,"start":3818.0452,"end":3824.625},{"sentences":[{"text":"Yeah.","start":3824.4524,"end":3824.9524,"sentiment":"neutral","sentiment_score":0.1408330351114273}],"sentiment":"neutral","sentiment_score":0.1408330351114273,"channel":1,"num_words":1,"start":3824.4524,"end":3824.9524},{"sentences":[{"text":"whether it be all the loans or just the investment loan into which means that we would have to factor in the drawdowns from super to account for the loan aspect that you are still paying back as well.","start":3825.0051,"end":3837.76,"sentiment":"neutral","sentiment_score":0.11976463543489957},{"text":"Does that make sense?","start":3837.76,"end":3838.9,"sentiment":"neutral","sentiment_score":0.1115283016115427}],"sentiment":"neutral","sentiment_score":0.11899846484668034,"channel":0,"num_words":43,"start":3825.0051,"end":3838.9},{"sentences":[{"text":"Yeah.","start":3838.9348,"end":3839.255,"sentiment":"neutral","sentiment_score":0.007500503212213516},{"text":"No.","start":3839.255,"end":3839.4148,"sentiment":"neutral","sentiment_score":-0.09501752257347108},{"text":"No.","start":3839.4148,"end":3839.575,"sentiment":"neutral","sentiment_score":-0.1212323009967804},{"text":"It does make 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it's","start":3842.135,"end":3842.615,"sentiment":"neutral","sentiment_score":0.08623013645410538}],"sentiment":"neutral","sentiment_score":0.08166223267714183,"channel":1,"num_words":3,"start":3841.1748,"end":3842.615},{"sentences":[{"text":"Yeah.","start":3842.4,"end":3842.835,"sentiment":"neutral","sentiment_score":0.06050670146942139}],"sentiment":"neutral","sentiment_score":0.06050670146942139,"channel":0,"num_words":1,"start":3842.4,"end":3842.835},{"sentences":[{"text":"a bit of a train.","start":3842.615,"end":3843.6748,"sentiment":"neutral","sentiment_score":0.009120041877031327},{"text":"So yeah.","start":3843.815,"end":3844.7249,"sentiment":"neutral","sentiment_score":0.0458504892885685}],"sentiment":"neutral","sentiment_score":0.019614455423184803,"channel":1,"num_words":7,"start":3842.615,"end":3844.7249},{"sentences":[{"text":"No.","start":3844.675,"end":3844.835,"sentiment":"neutral","sentiment_score":-0.05001933127641678},{"text":"I mean, it's definitely not something you can't do.","start":3844.835,"end":3847.255,"sentiment":"neutral","sentiment_score":-0.07795079549153645},{"text":"I would be more than happy to put you in contact with a broker now to at least have a chat about your options.","start":3847.4749,"end":3853.2349,"sentiment":"positive","sentiment_score":0.4317341198523839},{"text":"That's generally the way it works.","start":3853.2349,"end":3855.335,"sentiment":"positive","sentiment_score":0.3888714214166005},{"text":"But if you wanted to speak to a mortgage broker, there's no harm.","start":3856.1099,"end":3858.99,"sentiment":"positive","sentiment_score":0.34280765973604643}],"sentiment":"neutral","sentiment_score":0.30942963190236183,"channel":0,"num_words":53,"start":3844.675,"end":3858.99},{"sentences":[{"text":"There's no cost to yourself.","start":3858.99,"end":3860.43,"sentiment":"positive","sentiment_score":0.46316800117492674},{"text":"It's completely free.","start":3860.43,"end":3861.8699,"sentiment":"positive","sentiment_score":0.5837980508804321},{"text":"They get paid by the lenders, the loans that they write.","start":3861.8699,"end":3865.17,"sentiment":"positive","sentiment_score":0.3467287908900868},{"text":"And","start":3865.63,"end":3865.7898,"sentiment":"neutral","sentiment_score":0.21778900921344757}],"sentiment":"positive","sentiment_score":0.4049519933760166,"channel":0,"num_words":20,"start":3858.99,"end":3865.7898},{"sentences":[{"text":"Yeah.","start":3865.635,"end":3866.135,"sentiment":"neutral","sentiment_score":0.22518593072891235}],"sentiment":"neutral","sentiment_score":0.22518593072891235,"channel":1,"num_words":1,"start":3865.635,"end":3866.135},{"sentences":[{"text":"if you don't have servicing capacity, then they'll let you know.","start":3865.7898,"end":3869.855,"sentiment":"neutral","sentiment_score":0.09956000237302347},{"text":"But at least if they look at what you've got, what your servicing might be, or how much you can borrow, it kind of then gives you an idea as as to whether you wanna go the property route.","start":3869.855,"end":3880.175,"sentiment":"neutral","sentiment_score":0.1635131144370788},{"text":"The other side of it is if you're wanting to build wealth to kinda supplement super, we can also look at investments outside of super.","start":3880.175,"end":3887.53,"sentiment":"neutral","sentiment_score":0.11707624405622483},{"text":"Sorry.","start":3887.59,"end":3888.09,"sentiment":"neutral","sentiment_score":-0.011287566274404526}],"sentiment":"neutral","sentiment_score":0.13668144768790194,"channel":0,"num_words":76,"start":3865.7898,"end":3888.09},{"sentences":[{"text":"Mhmm.","start":3888.16,"end":3888.66,"sentiment":"neutral","sentiment_score":0.027734633535146713}],"sentiment":"neutral","sentiment_score":0.027734633535146713,"channel":1,"num_words":1,"start":3888.16,"end":3888.66},{"sentences":[{"text":"We can look at investment bonds or investment portfolios very 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hey.","start":4271.04,"end":4275.3,"sentiment":"neutral","sentiment_score":0.03427879698574543},{"text":"Is there a way of maybe maneuvering it to kind of compensate for it?","start":4275.92,"end":4280.6597,"sentiment":"neutral","sentiment_score":0.017017046122678688}],"sentiment":"neutral","sentiment_score":0.023771644286487415,"channel":1,"num_words":23,"start":4271.04,"end":4280.6597},{"sentences":[{"text":"Perfect.","start":4282.3853,"end":4282.8853,"sentiment":"neutral","sentiment_score":0.24662411212921145}],"sentiment":"neutral","sentiment_score":0.24662411212921145,"channel":0,"num_words":1,"start":4282.3853,"end":4282.8853},{"sentences":[{"text":"Yeah?","start":4282.8,"end":4283.28,"sentiment":"neutral","sentiment_score":0.13922840356826782},{"text":"Is that right?","start":4283.28,"end":4283.84,"sentiment":"neutral","sentiment_score":0.19083831210931143},{"text":"Yep.","start":4283.84,"end":4284.2397,"sentiment":"neutral","sentiment_score":0.12207605689764024},{"text":"Yep.","start":4284.2397,"end":4284.7397,"sentiment":"neutral","sentiment_score":0.16784515976905823}],"sentiment":"neutral","sentiment_score":0.16694409276048341,"channel":1,"num_words":6,"start":4282.8,"end":4284.7397},{"sentences":[{"text":"Perfect.","start":4285.585,"end":4286.085,"sentiment":"neutral","sentiment_score":0.29947033524513245},{"text":"The next question here is when you think about the risk level that you're taking now, Angela, when you think about risk out of a number between one and five, one five being the highest level of risk, one being the lowest, you're sitting about a three.","start":4286.5454,"end":4298.56,"sentiment":"neutral","sentiment_score":-0.030929500593784007},{"text":"So you're kind of mid range there.","start":4298.56,"end":4300.5,"sentiment":"neutral","sentiment_score":-0.02296035923063755},{"text":"Sergio, you're probably sitting at more of a two.","start":4300.6396,"end":4303.2197,"sentiment":"neutral","sentiment_score":-0.014530789383570664},{"text":"Sorry.","start":4304.0,"end":4304.2397,"sentiment":"neutral","sentiment_score":-0.08206798136234283}],"sentiment":"neutral","sentiment_score":-0.023504366047563962,"channel":0,"num_words":65,"start":4285.585,"end":4304.2397},{"sentences":[{"text":"It's not three.","start":4304.2397,"end":4305.04,"sentiment":"neutral","sentiment_score":-0.08614075680573781},{"text":"Sorry.","start":4305.04,"end":4305.54,"sentiment":"neutral","sentiment_score":-0.05271947383880615},{"text":"Sergio, you're sitting at a four because five is the highest.","start":4305.76,"end":4308.4,"sentiment":"neutral","sentiment_score":-0.011326458643783222},{"text":"I'm sorry.","start":4308.4,"end":4309.125,"sentiment":"neutral","sentiment_score":-0.050720090046525},{"text":"So, Sergio, you're in high growth, which is more of a four.","start":4309.525,"end":4312.185,"sentiment":"neutral","sentiment_score":-0.019352397318774212}],"sentiment":"neutral","sentiment_score":-0.02653109438813709,"channel":0,"num_words":29,"start":4304.2397,"end":4312.185},{"sentences":[{"text":"Alright.","start":4312.58,"end":4312.82,"sentiment":"neutral","sentiment_score":0.0970866084098816}],"sentiment":"neutral","sentiment_score":0.0970866084098816,"channel":1,"num_words":1,"start":4312.58,"end":4312.82},{"sentences":[{"text":"And,","start":4312.725,"end":4313.045,"sentiment":"neutral","sentiment_score":0.06891843676567078}],"sentiment":"neutral","sentiment_score":0.06891843676567078,"channel":0,"num_words":1,"start":4312.725,"end":4313.045},{"sentences":[{"text":"Go ahead.","start":4312.82,"end":4313.48,"sentiment":"neutral","sentiment_score":0.11982043460011482}],"sentiment":"neutral","sentiment_score":0.11982043460011482,"channel":1,"num_words":2,"start":4312.82,"end":4313.48},{"sentences":[{"text":"Angela, you're sitting at more of a three, so you're a little bit lower risk.","start":4313.045,"end":4316.165,"sentiment":"neutral","sentiment_score":0.1328257814049721},{"text":"Do you both feel comfortable with where you're sitting there?","start":4316.165,"end":4318.965,"sentiment":"neutral","sentiment_score":0.040266788005828856},{"text":"You you're you know, with where you are.","start":4318.965,"end":4320.565,"sentiment":"neutral","sentiment_score":0.019263723166659474},{"text":"So, Sergio, you're taking on higher level of risk, you wanna get greater long term returns, but you also know that when the market hits a down point, that you'll feel those downtimes and that it can be magnified slightly more.","start":4320.565,"end":4332.16,"sentiment":"neutral","sentiment_score":-0.02882222113449399},{"text":"Whereas Angela being more of a three out of a level of five means that you're sort of sitting in the middle.","start":4332.16,"end":4337.6,"sentiment":"neutral","sentiment_score":0.048824596642093224}],"sentiment":"neutral","sentiment_score":0.025433275479978572,"channel":0,"num_words":96,"start":4313.045,"end":4337.6},{"sentences":[{"text":"You're taking a little bit less risk in the market.","start":4337.6,"end":4340.215,"sentiment":"neutral","sentiment_score":0.05757665224373341},{"text":"You're still gonna feel the ups and downs, but not as great as someone in that high growth environment.","start":4340.215,"end":4345.915,"sentiment":"neutral","sentiment_score":-0.04038728185390171},{"text":"Does that make sense?","start":4346.055,"end":4346.935,"sentiment":"neutral","sentiment_score":0.08325382228940725},{"text":"And do each of you have questions, and do you both feel comfortable with that level of risk that you're taking?","start":4346.935,"end":4352.55,"sentiment":"neutral","sentiment_score":0.027321866469546444}],"sentiment":"neutral","sentiment_score":0.013244123189468627,"channel":0,"num_words":54,"start":4337.6,"end":4352.55},{"sentences":[{"text":"Yes.","start":4353.655,"end":4354.155,"sentiment":"neutral","sentiment_score":0.0714711993932724},{"text":"Yes.","start":4354.455,"end":4354.775,"sentiment":"neutral","sentiment_score":0.0783601626753807},{"text":"So yeah.","start":4354.775,"end":4355.495,"sentiment":"neutral","sentiment_score":0.08047771453857422},{"text":"We're still we're still","start":4355.495,"end":4356.455,"sentiment":"neutral","sentiment_score":0.10419539734721184}],"sentiment":"neutral","sentiment_score":0.09094604756683111,"channel":1,"num_words":8,"start":4353.655,"end":4356.455},{"sentences":[{"text":"Yep.","start":4356.3896,"end":4356.8896,"sentiment":"neutral","sentiment_score":0.05948307365179062}],"sentiment":"neutral","sentiment_score":0.05948307365179062,"channel":0,"num_words":1,"start":4356.3896,"end":4356.8896},{"sentences":[{"text":"so comfortable with that risk.","start":4356.455,"end":4357.895,"sentiment":"neutral","sentiment_score":-0.050869676470756534},{"text":"Yeah.","start":4357.895,"end":4358.395,"sentiment":"neutral","sentiment_score":0.1780073642730713}],"sentiment":"neutral","sentiment_score":-0.012723503013451895,"channel":1,"num_words":6,"start":4356.455,"end":4358.395},{"sentences":[{"text":"Yep.","start":4358.3896,"end":4358.79,"sentiment":"positive","sentiment_score":0.3441201150417328},{"text":"Beautiful.","start":4358.79,"end":4359.29,"sentiment":"positive","sentiment_score":0.5927430987358093},{"text":"So to give you a bit of a breakdown on the different portfolios that you're both in.","start":4359.3496,"end":4363.03,"sentiment":"neutral","sentiment_score":0.15460260256248362},{"text":"So, Sergio, you're in a high growth environment.","start":4363.03,"end":4365.4497,"sentiment":"neutral","sentiment_score":0.09125625994056463},{"text":"So you've got about 90% in those growth investments.","start":4365.75,"end":4369.265,"sentiment":"neutral","sentiment_score":0.07169857290056017}],"sentiment":"neutral","sentiment_score":0.13723457480470339,"channel":0,"num_words":36,"start":4358.3896,"end":4369.265},{"sentences":[{"text":"So think about Australian shares, international shares, listed property, and then commodities there.","start":4369.325,"end":4374.785,"sentiment":"neutral","sentiment_score":0.044692582809008084},{"text":"With the high growth environment, you expect an annual compounded return of around about eight to 10% on average.","start":4375.245,"end":4382.12,"sentiment":"neutral","sentiment_score":0.06582047653041388},{"text":"So anything over 10% means the portfolio has overperformed.","start":4382.18,"end":4385.64,"sentiment":"neutral","sentiment_score":-0.029842895559138723},{"text":"Anything under 8% means it has underperformed.","start":4385.8604,"end":4388.3604,"sentiment":"neutral","sentiment_score":-0.07204956987074443},{"text":"But it also means that you're expecting a negative year,","start":4388.9,"end":4392.52,"sentiment":"neutral","sentiment_score":-0.20650643706321717}],"sentiment":"neutral","sentiment_score":-0.01735180670973556,"channel":0,"num_words":58,"start":4369.325,"end":4392.52},{"sentences":[{"text":"Yeah.","start":4392.45,"end":4392.95,"sentiment":"neutral","sentiment_score":-0.026158418506383896}],"sentiment":"neutral","sentiment_score":-0.026158418506383896,"channel":1,"num_words":1,"start":4392.45,"end":4392.95},{"sentences":[{"text":"generally, about","start":4392.74,"end":4393.46,"sentiment":"neutral","sentiment_score":0.013365163467824459}],"sentiment":"neutral","sentiment_score":0.013365163467824459,"channel":0,"num_words":2,"start":4392.74,"end":4393.46},{"sentences":[{"text":"Excellent.","start":4393.17,"end":4393.67,"sentiment":"neutral","sentiment_score":0.20356646180152893}],"sentiment":"neutral","sentiment_score":0.20356646180152893,"channel":1,"num_words":1,"start":4393.17,"end":4393.67},{"sentences":[{"text":"one in every five years.","start":4393.46,"end":4394.9,"sentiment":"neutral","sentiment_score":0.08541023135185241},{"text":"And this sort of investment portfolio suits someone who has about eight years before they're accessing that their super there.","start":4394.9,"end":4401.385,"sentiment":"neutral","sentiment_score":0.08248789962381124},{"text":"Sergio, are you still comfortable in that kind of environment?","start":4401.605,"end":4404.665,"sentiment":"neutral","sentiment_score":0.12500714436173438},{"text":"Are you happy with that?","start":4404.8047,"end":4405.925,"sentiment":"neutral","sentiment_score":0.16296767592430114},{"text":"Did you wanna keep that for another year?","start":4405.925,"end":4407.7646,"sentiment":"neutral","sentiment_score":0.04846678860485554}],"sentiment":"neutral","sentiment_score":0.09436361002735794,"channel":0,"num_words":48,"start":4393.46,"end":4407.7646},{"sentences":[{"text":"You've sort of scored in that environment and that sort of area, but just making sure that's where you're comfortable.","start":4407.7646,"end":4412.58,"sentiment":"neutral","sentiment_score":0.05092450864613056}],"sentiment":"neutral","sentiment_score":0.05092450864613056,"channel":0,"num_words":20,"start":4407.7646,"end":4412.58},{"sentences":[{"text":"No.","start":4413.5,"end":4413.7397,"sentiment":"neutral","sentiment_score":-0.20873579382896423},{"text":"I'm comfortable with that.","start":4413.7397,"end":4415.28,"sentiment":"neutral","sentiment_score":-0.19881136901676655}],"sentiment":"neutral","sentiment_score":-0.20079625397920609,"channel":1,"num_words":5,"start":4413.5,"end":4415.28},{"sentences":[{"text":"Yep.","start":4415.7803,"end":4416.2803,"sentiment":"neutral","sentiment_score":0.2523292899131775},{"text":"Beautiful.","start":4416.34,"end":4416.84,"sentiment":"positive","sentiment_score":0.42467159032821655},{"text":"And, Angelo, in that growth environment, you sort of see about 80% in those growth assets.","start":4417.54,"end":4422.5,"sentiment":"neutral","sentiment_score":0.08255150122568011},{"text":"So, again, those Australian and international shares, property, and commodities like gold and silver.","start":4422.5,"end":4427.72,"sentiment":"neutral","sentiment_score":0.05852183885872364},{"text":"You're expecting around about a seven to 9% as an annual rate of return compounded.","start":4428.495,"end":4433.6353,"sentiment":"neutral","sentiment_score":0.047528217732906344}],"sentiment":"neutral","sentiment_score":0.07510752999719153,"channel":0,"num_words":47,"start":4415.7803,"end":4433.6353},{"sentences":[{"text":"The likelihood of a negative return does occur sort of one in every five years as an expectation, and this sort of portfolio happily suits someone who's got about six years before accessing their super.","start":4434.095,"end":4444.89,"sentiment":"neutral","sentiment_score":-0.010064433834382465},{"text":"So you are taking a bit less risk than where Sergio is, but, admittedly, your balance is also slightly higher than his.","start":4444.89,"end":4451.47,"sentiment":"neutral","sentiment_score":-0.03819693845104088},{"text":"Are you happy in that environment?","start":4451.69,"end":4453.39,"sentiment":"neutral","sentiment_score":0.07934615264336269},{"text":"Are you happy with that growth area?","start":4453.5303,"end":4455.1304,"sentiment":"neutral","sentiment_score":0.09644859284162521},{"text":"Did you wanna that further?","start":4455.1304,"end":4457.275,"sentiment":"neutral","sentiment_score":0.006423526257276535}],"sentiment":"neutral","sentiment_score":-0.00012337510784467062,"channel":0,"num_words":75,"start":4434.095,"end":4457.275},{"sentences":[{"text":"So, like, if so usually, would you if you have a higher balance, would you be more aggressive?","start":4457.785,"end":4464.525,"sentiment":"neutral","sentiment_score":-0.044618705494536295},{"text":"Or because, like, I thought, well, I think what we thought was if one's aggressive, one's not, and then, you know, one's kind of, you know, in the middle balanced,","start":4465.385,"end":4477.0503,"sentiment":"neutral","sentiment_score":-0.055149953812360764}],"sentiment":"neutral","sentiment_score":-0.05120073569317659,"channel":1,"num_words":48,"start":4457.785,"end":4477.0503},{"sentences":[{"text":"Mhmm.","start":4476.79,"end":4477.27,"sentiment":"neutral","sentiment_score":-0.04433310776948929},{"text":"Mhmm.","start":4477.27,"end":4477.77,"sentiment":"neutral","sentiment_score":-0.046135105192661285}],"sentiment":"neutral","sentiment_score":-0.04523410648107529,"channel":0,"num_words":2,"start":4476.79,"end":4477.77},{"sentences":[{"text":"then, you know, one we're taking the risk of one, you know, investing more.","start":4478.39,"end":4484.6646,"sentiment":"neutral","sentiment_score":-0.06659944807844502},{"text":"But because I've got more of, like, higher balance, should I be the one that's more risky?","start":4485.925,"end":4492.8247,"sentiment":"neutral","sentiment_score":-0.33291129680240855}],"sentiment":"neutral","sentiment_score":-0.21264142963674762,"channel":1,"num_words":31,"start":4478.39,"end":4492.8247},{"sentences":[{"text":"Mhmm.","start":4494.005,"end":4494.325,"sentiment":"neutral","sentiment_score":-0.1820116490125656},{"text":"So, realistically, Sergio is when you think about the risk level, is taking a greater level of risk.","start":4494.325,"end":4500.34,"sentiment":"neutral","sentiment_score":-0.3046489829818408},{"text":"He's got a smaller balance.","start":4500.34,"end":4501.8,"sentiment":"negative","sentiment_score":-0.34979761838912965}],"sentiment":"neutral","sentiment_score":-0.30894505977630615,"channel":0,"num_words":24,"start":4494.005,"end":4501.8},{"sentences":[{"text":"Yeah.","start":4502.1,"end":4502.6,"sentiment":"neutral","sentiment_score":-0.040612127631902695}],"sentiment":"neutral","sentiment_score":-0.040612127631902695,"channel":1,"num_words":1,"start":4502.1,"end":4502.6},{"sentences":[{"text":"When you're when you have a higher balance, you can take a higher level of risk.","start":4502.26,"end":4507.1396,"sentiment":"neutral","sentiment_score":-0.11211585998535156},{"text":"It's not a problem there.","start":4507.1396,"end":4508.26,"sentiment":"neutral","sentiment_score":0.11546367071568966},{"text":"It's more about your time horizon, how long you have before you're wanting to access those funds.","start":4508.26,"end":4513.815,"sentiment":"neutral","sentiment_score":-0.03587176256320056}],"sentiment":"neutral","sentiment_score":-0.04806198341477858,"channel":0,"num_words":38,"start":4502.26,"end":4513.815},{"sentences":[{"text":"Okay.","start":4513.795,"end":4514.295,"sentiment":"neutral","sentiment_score":-0.09552383422851562}],"sentiment":"neutral","sentiment_score":-0.09552383422851562,"channel":1,"num_words":1,"start":4513.795,"end":4514.295},{"sentences":[{"text":"So if you were, say, five years away from accessing your super, I'd be absolutely pulling you back and saying, you know, we need to, you know, not act not take so much risk now.","start":4514.195,"end":4524.855,"sentiment":"negative","sentiment_score":-0.33760443989719663}],"sentiment":"negative","sentiment_score":-0.33760443989719663,"channel":0,"num_words":35,"start":4514.195,"end":4524.855},{"sentences":[{"text":"Uh-huh.","start":4525.44,"end":4525.94,"sentiment":"neutral","sentiment_score":-0.06092255190014839}],"sentiment":"neutral","sentiment_score":-0.06092255190014839,"channel":1,"num_words":1,"start":4525.44,"end":4525.94},{"sentences":[{"text":"Realistically, with taking more risk in your super, you will feel that more.","start":4526.2803,"end":4530.92,"sentiment":"neutral","sentiment_score":-0.06665866076946259},{"text":"So if you if you both were in the high growth environment or even if you both saw a 5% dip, if you think about your balance as opposed to Sergio's balance, with a 190,000 super, you're gonna feel a 5% drop much greater than Sergio will.","start":4530.92,"end":4546.3047,"sentiment":"neutral","sentiment_score":-0.21025240104249182},{"text":"So it","start":4546.3047,"end":4547.2646,"sentiment":"neutral","sentiment_score":-0.05383899435400963}],"sentiment":"neutral","sentiment_score":-0.1750984423823895,"channel":0,"num_words":62,"start":4526.2803,"end":4547.2646},{"sentences":[{"text":"Mhmm.","start":4547.125,"end":4547.625,"sentiment":"neutral","sentiment_score":-0.01910606026649475}],"sentiment":"neutral","sentiment_score":-0.01910606026649475,"channel":1,"num_words":1,"start":4547.125,"end":4547.625},{"sentences":[{"text":"comes down to individual comfort levels.","start":4547.2646,"end":4549.8447,"sentiment":"neutral","sentiment_score":0.05602286880215009},{"text":"I mean, if you think about I work in this industry.","start":4550.1445,"end":4552.4697,"sentiment":"neutral","sentiment_score":0.0771651217205958},{"text":"So if my super got a 5% dip and I had 600 k in super, it wouldn't bother me because I wasn't touching the money.","start":4552.4697,"end":4558.9497,"sentiment":"neutral","sentiment_score":0.01783854514360428},{"text":"I know the market will come back, but it's more of an individual comfort level for each of","start":4558.9497,"end":4564.035,"sentiment":"neutral","sentiment_score":0.14661534213357502}],"sentiment":"neutral","sentiment_score":0.07116655564556519,"channel":0,"num_words":60,"start":4547.2646,"end":4564.035},{"sentences":[{"text":"Mhmm.","start":4564.96,"end":4565.46,"sentiment":"neutral","sentiment_score":0.06574653089046478}],"sentiment":"neutral","sentiment_score":0.06574653089046478,"channel":1,"num_words":1,"start":4564.96,"end":4565.46},{"sentences":[{"text":"you.","start":4565.2354,"end":4565.6353,"sentiment":"neutral","sentiment_score":0.09169311821460724},{"text":"Theoretically, we wanna boost, yes, Sergio's balance up as much as possible moving forward as well so that when you both get to retirement, if you've got balances that are fairly even, then we can be drawing income fairly evenly.","start":4565.6353,"end":4580.01,"sentiment":"positive","sentiment_score":0.371732858940959},{"text":"Whereas if we get to retirement and your balance is higher than Sergio's, we'll probably take more from your super to supplement so we can","start":4580.4097,"end":4587.69,"sentiment":"neutral","sentiment_score":0.2702860552072525}],"sentiment":"neutral","sentiment_score":0.32906301297021634,"channel":0,"num_words":66,"start":4565.2354,"end":4587.69},{"sentences":[{"text":"Yeah.","start":4587.65,"end":4588.15,"sentiment":"neutral","sentiment_score":0.021510500460863113}],"sentiment":"neutral","sentiment_score":0.021510500460863113,"channel":1,"num_words":1,"start":4587.65,"end":4588.15},{"sentences":[{"text":"kind of keep them dropping on an even keel.","start":4587.69,"end":4590.17,"sentiment":"neutral","sentiment_score":-0.2008879996008343},{"text":"Does that make 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be.","start":4976.51,"end":4979.9697,"sentiment":"neutral","sentiment_score":0.07784717042858784}],"sentiment":"neutral","sentiment_score":0.07784717042858784,"channel":1,"num_words":13,"start":4976.51,"end":4979.9697},{"sentences":[{"text":"Absolutely.","start":4979.63,"end":4980.13,"sentiment":"neutral","sentiment_score":0.29334643483161926},{"text":"Yeah.","start":4980.27,"end":4980.59,"sentiment":"neutral","sentiment_score":0.2244349718093872},{"text":"Absolutely.","start":4980.59,"end":4981.07,"sentiment":"neutral","sentiment_score":0.3184506297111511},{"text":"I'll also send you that email so you'll have my email address so you can always reply back with","start":4981.07,"end":4985.07,"sentiment":"neutral","sentiment_score":0.20159932500437686}],"sentiment":"neutral","sentiment_score":0.21211905506524173,"channel":0,"num_words":22,"start":4979.63,"end":4985.07},{"sentences":[{"text":"Yeah.","start":4984.9897,"end":4985.4897,"sentiment":"neutral","sentiment_score":0.12376083433628082}],"sentiment":"neutral","sentiment_score":0.12376083433628082,"channel":1,"num_words":1,"start":4984.9897,"end":4985.4897},{"sentences":[{"text":"anything that you need.","start":4985.07,"end":4986.19,"sentiment":"neutral","sentiment_score":0.1267811469733715},{"text":"Or if you'd need another time, just let me know.","start":4986.19,"end":4988.43,"sentiment":"neutral","sentiment_score":0.09703805521130562},{"text":"Not a problem at all.","start":4988.43,"end":4989.71,"sentiment":"neutral","sentiment_score":0.270276939868927},{"text":"Okay?","start":4989.71,"end":4990.21,"sentiment":"neutral","sentiment_score":0.16807208955287933}],"sentiment":"neutral","sentiment_score":0.14984809644520283,"channel":0,"num_words":20,"start":4985.07,"end":4990.21},{"sentences":[{"text":"Alright.","start":4990.575,"end":4991.075,"sentiment":"positive","sentiment_score":0.3930267691612244}],"sentiment":"positive","sentiment_score":0.3930267691612244,"channel":1,"num_words":1,"start":4990.575,"end":4991.075},{"sentences":[{"text":"The excellent.","start":4991.565,"end":4992.205,"sentiment":"positive","sentiment_score":0.71173495054245},{"text":"The only other thing to let you know is that the the ongoing service agreement is in that annual review pack there for you.","start":4992.205,"end":4997.965,"sentiment":"neutral","sentiment_score":0.24102558754384518},{"text":"So you do both pay an ongoing service fee.","start":4997.965,"end":5000.205,"sentiment":"neutral","sentiment_score":0.14688653333319557},{"text":"It's 1.10% at the moment as you're a couple onboarded together.","start":5000.205,"end":5004.625,"sentiment":"neutral","sentiment_score":0.1689268025484952},{"text":"If I","start":5005.21,"end":5005.45,"sentiment":"neutral","sentiment_score":0.16498149931430817}],"sentiment":"neutral","sentiment_score":0.2232962630999585,"channel":0,"num_words":48,"start":4991.565,"end":5005.45},{"sentences":[{"text":"Mhmm.","start":5005.43,"end":5005.93,"sentiment":"neutral","sentiment_score":0.1341170072555542}],"sentiment":"neutral","sentiment_score":0.1341170072555542,"channel":1,"num_words":1,"start":5005.43,"end":5005.93},{"sentences":[{"text":"can just get you both to sign and return those back for us, that just allows us to continue providing our services and updating advice for you moving forward.","start":5005.45,"end":5013.39,"sentiment":"neutral","sentiment_score":0.2757601619794451},{"text":"Okay?","start":5013.61,"end":5014.11,"sentiment":"neutral","sentiment_score":0.07109960913658142}],"sentiment":"neutral","sentiment_score":0.26893814355134965,"channel":0,"num_words":30,"start":5005.45,"end":5014.11},{"sentences":[{"text":"Sure.","start":5013.99,"end":5014.49,"sentiment":"neutral","sentiment_score":0.04665381461381912},{"text":"What is that going to be via email?","start":5014.985,"end":5017.865,"sentiment":"neutral","sentiment_score":0.015475494205020368},{"text":"Is that the one that says signature required?","start":5017.865,"end":5019.965,"sentiment":"neutral","sentiment_score":-0.007682201103307307}],"sentiment":"neutral","sentiment_score":0.006411774083971977,"channel":1,"num_words":17,"start":5013.99,"end":5019.965},{"sentences":[{"text":"That's that's the one the signature","start":5019.995,"end":5021.775,"sentiment":"neutral","sentiment_score":0.011620431362340847}],"sentiment":"neutral","sentiment_score":0.011620431362340847,"channel":0,"num_words":6,"start":5019.995,"end":5021.775},{"sentences":[{"text":"Okay.","start":5021.705,"end":5022.205,"sentiment":"neutral","sentiment_score":0.01659492775797844}],"sentiment":"neutral","sentiment_score":0.01659492775797844,"channel":1,"num_words":1,"start":5021.705,"end":5022.205},{"sentences":[{"text":"required.","start":5021.835,"end":5022.235,"sentiment":"neutral","sentiment_score":0.027846846729516983},{"text":"Yes.","start":5022.235,"end":5022.555,"sentiment":"neutral","sentiment_score":0.1081434041261673},{"text":"So you'll both have one in your emails.","start":5022.555,"end":5024.555,"sentiment":"neutral","sentiment_score":0.16443373449146748},{"text":"If you both","start":5024.555,"end":5025.115,"sentiment":"neutral","sentiment_score":0.29658885796864826}],"sentiment":"neutral","sentiment_score":0.18009436159179762,"channel":0,"num_words":13,"start":5021.835,"end":5025.115},{"sentences":[{"text":"Mhmm.","start":5024.985,"end":5025.485,"sentiment":"neutral","sentiment_score":0.166740283370018}],"sentiment":"neutral","sentiment_score":0.166740283370018,"channel":1,"num_words":1,"start":5024.985,"end":5025.485},{"sentences":[{"text":"can just pop in there and sign and return that back for me, that would be fabulous.","start":5025.115,"end":5028.735,"sentiment":"positive","sentiment_score":0.33811649943099303},{"text":"Okay.","start":5029.115,"end":5029.615,"sentiment":"neutral","sentiment_score":0.2641604542732239}],"sentiment":"positive","sentiment_score":0.3340078302555614,"channel":0,"num_words":18,"start":5025.115,"end":5029.615},{"sentences":[{"text":"Alright.","start":5029.38,"end":5029.46,"sentiment":"positive","sentiment_score":0.4845713973045349},{"text":"Fantastic.","start":5029.46,"end":5029.96,"sentiment":"positive","sentiment_score":0.7708519697189331}],"sentiment":"positive","sentiment_score":0.627711683511734,"channel":1,"num_words":2,"start":5029.38,"end":5029.96},{"sentences":[{"text":"Fantastic.","start":5031.85,"end":5032.01,"sentiment":"positive","sentiment_score":0.8109731078147888},{"text":"Thank you so much for your time.","start":5032.01,"end":5033.37,"sentiment":"positive","sentiment_score":0.8543314933776855},{"text":"I really appreciate it.","start":5033.37,"end":5034.65,"sentiment":"positive","sentiment_score":0.818634644150734},{"text":"I and tell Sergio thank you.","start":5034.65,"end":5036.33,"sentiment":"positive","sentiment_score":0.6613586048285166},{"text":"I hope you both have a lovely afternoon.","start":5036.33,"end":5038.27,"sentiment":"positive","sentiment_score":0.7152846083045006}],"sentiment":"positive","sentiment_score":0.7598561782103318,"channel":0,"num_words":26,"start":5031.85,"end":5038.27},{"sentences":[{"text":"Same to you.","start":5038.82,"end":5039.54,"sentiment":"positive","sentiment_score":0.5422385334968567},{"text":"Thank you so much, Janeile.","start":5039.54,"end":5041.0,"sentiment":"positive","sentiment_score":0.7077139019966125},{"text":"You take","start":5041.06,"end":5041.46,"sentiment":"positive","sentiment_score":0.6189574897289276}],"sentiment":"positive","sentiment_score":0.6403200089931488,"channel":1,"num_words":10,"start":5038.82,"end":5041.46},{"sentences":[{"text":"My","start":5041.4497,"end":5041.77,"sentiment":"positive","sentiment_score":0.4638608992099762}],"sentiment":"positive","sentiment_score":0.4638608992099762,"channel":0,"num_words":1,"start":5041.4497,"end":5041.77},{"sentences":[{"text":"care.","start":5041.46,"end":5041.96,"sentiment":"positive","sentiment_score":0.5575070381164551}],"sentiment":"positive","sentiment_score":0.5575070381164551,"channel":1,"num_words":1,"start":5041.46,"end":5041.96},{"sentences":[{"text":"pleasure.","start":5041.77,"end":5042.27,"sentiment":"positive","sentiment_score":0.5344021916389465}],"sentiment":"positive","sentiment_score":0.5344021916389465,"channel":0,"num_words":1,"start":5041.77,"end":5042.27},{"sentences":[{"text":"Bye bye.","start":5042.02,"end":5042.76,"sentiment":"neutral","sentiment_score":0.32280878722667694}],"sentiment":"neutral","sentiment_score":0.32280878722667694,"channel":1,"num_words":2,"start":5042.02,"end":5042.76},{"sentences":[{"text":"Will do.","start":5042.33,"end":5042.73,"sentiment":"positive","sentiment_score":0.43537937104701996},{"text":"Thanks, Angela.","start":5042.73,"end":5043.61,"sentiment":"positive","sentiment_score":0.533508837223053},{"text":"Talk soon.","start":5043.61,"end":5044.17,"sentiment":"positive","sentiment_score":0.37653449177742004},{"text":"See you later.","start":5044.17,"end":5044.9897,"sentiment":"neutral","sentiment_score":0.2770471175511678}],"sentiment":"positive","sentiment_score":0.39133186141649884,"channel":0,"num_words":9,"start":5042.33,"end":5044.9897},{"sentences":[{"text":"Bye bye.","start":5044.721,"end":5045.461,"sentiment":"neutral","sentiment_score":0.18513039499521255}],"sentiment":"neutral","sentiment_score":0.18513039499521255,"channel":1,"num_words":2,"start":5044.721,"end":5045.461},{"sentences":[{"text":"Bye.","start":5045.61,"end":5046.11,"sentiment":"neutral","sentiment_score":-0.035583119839429855}],"sentiment":"neutral","sentiment_score":-0.035583119839429855,"channel":0,"num_words":1,"start":5045.61,"end":5046.11}]},"summary":{"result":"success","short":"During a call with OQ Financial representative Dana, Angela discusses her annual review and portfolio updates with Dana. They discuss investment strategies, including active management, passive investing, and a portfolio of investment options. The agent suggests reducing risk levels and removing underperforming investments and adding mental health coverage. They also update the customer's assets and liabilities, including retirement savings and property purchases. The agent explains the loan process, flexible, and different portfolios for different environments, and suggests referring the mortgage broker to discuss their options and servicing capacity. The speaker offers to book Yousef in for a quick pre assessment and a follow-up call with their admin team member."},"intents":{"segments":[{"text":"And then just to do a security check there with you as well, I'll just need to confirm for me your full name, your date of birth, and address I should have on file. Yeah.","start_word":133,"end_word":167,"intents":[{"intent":"Request security check","confidence_score":0.021010814}]},{"text":"And you're looking at your performance with internal rate of return there?","start_word":375,"end_word":386,"intents":[{"intent":"Compare performance and portfolio","confidence_score":0.000053585638}]},{"text":"So it shows you that your portfolio has made income plus growth within the last twelve months of $12,925.46 there.","start_word":770,"end_word":789,"intents":[{"intent":"Consolidate portfolio performance","confidence_score":0.000036512825}]},{"text":"So I do wanna update some advice, look at removing the underperforming investment. Also Mhmm.","start_word":1083,"end_word":1097,"intents":[{"intent":"Update investment advice","confidence_score":0.017524693}]},{"text":"So I'd probably like to just make some changes if you're comfortable with me reviewing the super and the investments and maybe just updating your portfolio and doing a bit of switch out to make sure things are working better for you and updating the portfolio to reflect changes in the market conditions. Does that make sense?","start_word":1118,"end_word":1174,"intents":[{"intent":"Review investments and portfolios","confidence_score":0.12393134}]},{"text":"Do you have any questions? Are you comfortable with that?","start_word":1175,"end_word":1184,"intents":[{"intent":"Address questions about investments","confidence_score":0.00039370247}]},{"text":"There are a couple of different ways to invest, and I've got a few different portfolios that we can realistically look at. Just wanted to sort of when we look at the way you can invest all the different investment styles, there's two main styles of investing. One of those is an active management style. An active management style is having in there.","start_word":1396,"end_word":1458,"intents":[{"intent":"Understand investing styles","confidence_score":0.009242561}]},{"text":"Did you want me to look at replacing that with something similar to Banyan that maybe has that active management in it, or would you like me to just look at investment that might be cheaper, save fees, maybe more passively invested?","start_word":1499,"end_word":1540,"intents":[{"intent":"Assess fund options","confidence_score":0.000059745795}]},{"text":"Is that where you'd like me to sort of look at portfolio wise for you?","start_word":1931,"end_word":1945,"intents":[{"intent":"Address portfolio concerns","confidence_score":0.0626529}]},{"text":"Now with your insurances, when we sort of went through the advice of you, is that we looked at just keeping group cover for you due to the pre assessments. New cover was gonna be very expensive and very hard to obtain.","start_word":2343,"end_word":2384,"intents":[{"intent":"Discuss insurance coverage and arrangements","confidence_score":0.000024308394}]},{"text":"I could, if you wanted me to, go through as part of the advice and maybe make a recommendation to increase the income protection to be more in line with needs and show you the cost and the effect on your super if you wanted to. Would you Mhmm.","start_word":3368,"end_word":3416,"intents":[{"intent":"Recommend increase in income protection","confidence_score":0.18126045},{"intent":"Offer advice","confidence_score":0.01211661}]},{"text":"quote, then we'll go ahead with it. If not, Yeah. we just kinda leave it. Is that right? Yeah.","start_word":3462,"end_word":3480,"intents":[{"intent":"Leave quote","confidence_score":0.37849328}]},{"text":"also how what kind of effect that has on you because in the insurances are also paid out of super. So it can over the next sort of couple of years also have an effect on your super there. It looks like I don't have much in the way of previous information on the health side of things.","start_word":3594,"end_word":3651,"intents":[{"intent":"Provide information on benefits of insurance coverage","confidence_score":0.0000032708938}]},{"text":"I'm just going back through our records. And we've had a system change since we last sort of went through things you. So I'm trying Okay.","start_word":3653,"end_word":3678,"intents":[{"intent":"Explore impact of system changes","confidence_score":0.0000643577}]},{"text":"What I would probably like to do, if you're comfortable with that, is I'd love to do another pre assessment for you.","start_word":3769,"end_word":3790,"intents":[{"intent":"Request pre assessment","confidence_score":0.054139327}]},{"text":"So what say anything over 1,000 per week net, so after tax to make Yeah. it easier. Yep. Yeah. Absolutely. Not a problem at all. So I'll look at increasing the income protection. I'll look at all the options and see what we come out with. If Mhmm.","start_word":4042,"end_word":4089,"intents":[{"intent":"Discuss insurance options","confidence_score":0.092684805}]},{"text":"So I'll look at increasing the income protection. I'll look at all the options and see what we come out with. If Mhmm. for any reason I can't get another option for you, I'll come back and have that conversation prior to us, going to the advice document just to make sure that you're aware of everything and talk about what your options might be moving forward. Okay?","start_word":4066,"end_word":4133,"intents":[{"intent":"Discuss options","confidence_score":0.1407267},{"intent":"Discuss options","confidence_score":0.05008125},{"intent":"Discuss options","confidence_score":0.1851035},{"intent":"Discuss options","confidence_score":0.10931334}]},{"text":"So I'll look at increasing the income protection. I'll look at all the options and see what we come out with. If Mhmm. for any reason I can't get another option for you, I'll come back and have that conversation prior to us, going to the advice document just to make sure that you're aware of everything and talk about what your options might be moving forward. Okay? Fantastic.","start_word":4066,"end_word":4134,"intents":[{"intent":"Inquire about coverage options","confidence_score":0.026479308}]},{"text":"How many kids do you and Sergio actually have?","start_word":4355,"end_word":4363,"intents":[{"intent":"Clarify goals","confidence_score":0.00057646533}]},{"text":"but, I mean, they're already much older. I mean, my oldest is 21, and and the youngest Wow. is just 14. 14. Oh, wow. 14 years of age. Beautiful.","start_word":4368,"end_word":4396,"intents":[{"intent":"Confirm age","confidence_score":0.033162575}]},{"text":"so your son's 14. Your daughter's 21. Is that right? Yes.","start_word":4399,"end_word":4409,"intents":[{"intent":"Share children's information","confidence_score":0.00004583941}]},{"text":"We'll look down the track if the kids ever wanted to talk about additional insurances, life cover, and things like that. We can certainly look at helping them out. Your daughter is a bit older for child cover, so there are additional, you know, insurances aside from what you have for yourself that you can put in place to cover your children as well.","start_word":4645,"end_word":4708,"intents":[{"intent":"Explore options for children's insurances","confidence_score":0.000008639185}]},{"text":"And would you still value that at 32,000, do you think?","start_word":5112,"end_word":5122,"intents":[{"intent":"Determine mortgage amount","confidence_score":0.00013271818}]},{"text":"We had about six I'm six trying 120 to five I thousand here last year. Do you think it'd be roughly around the same with the consolidation, or do you think it might have increased I think by for about both 20 cars, or thousand? roughly around twenty five days.","start_word":5452,"end_word":5501,"intents":[{"intent":"Estimate consolidation cost","confidence_score":0.006248731}]},{"text":"And assets wise, do you have any other assets, any other shares, cryptocurrency, collections, or anything else of value that you guys would note down? No. We don't.","start_word":5793,"end_word":5820,"intents":[{"intent":"Note down assets and contents","confidence_score":0.013525164}]},{"text":"Do do you know what you might value your contents at if you had to sort of replace everything?","start_word":5885,"end_word":5903,"intents":[{"intent":"Determine value of contents","confidence_score":0.2935059}]},{"text":"the average contents replacement costs for an average household in Australia is around but it's between 80,000 to a 150 Wow.","start_word":5982,"end_word":6002,"intents":[{"intent":"Provide estimate of contents replacement costs","confidence_score":0.00003072865}]},{"text":"And thank you for updating all those details. I will just convert that information over to back find there as well. Is Mhmm. he available to jump on the call with us now so we can kinda go through his super insurance details as well? Yes.","start_word":6171,"end_word":6216,"intents":[{"intent":"Update insurance details","confidence_score":0.04023181}]},{"text":"Thank you so much for jumping on to your annual review there. So, dear, I before I jump into the go through things with you, I do have to let yourself know that we do record our calls for quality and training purposes. Are you happy for me to continue recording the call? Yep.","start_word":6255,"end_word":6308,"intents":[{"intent":"Record calls","confidence_score":0.31299275}]},{"text":"And I am going through your personal information. So one. I just need to confirm your date of birth and address I should have on file for you as a quick security check there as well. 08/01/1984, Yep.","start_word":6312,"end_word":6349,"intents":[{"intent":"Confirm personal information","confidence_score":0.029219469}]},{"text":"Just give me the information. Yeah.","start_word":6460,"end_word":6465,"intents":[{"intent":"Provide information","confidence_score":0.16284238},{"intent":"Provide information","confidence_score":0.19884816}]},{"text":"As the as this sort of went through with Angela, I have sort of noticed there are some investments that are underperforming in your super. So I would like to update the advice for you and look at removing those investments and replacing them with something else, making sure things are working harder for you. Are you comfortable with that, and do you have any additional questions there at all? No.","start_word":6653,"end_word":6723,"intents":[{"intent":"Update advice","confidence_score":0.14483908}]},{"text":"And I think one of the things to sorta consider the difference being between yourself and Angela there is that you are in different risk profiles as well.","start_word":6764,"end_word":6791,"intents":[{"intent":"Consider risk profiles","confidence_score":0.04333284}]},{"text":"Do you think what's your thoughts around No. that?","start_word":6892,"end_word":6900,"intents":[{"intent":"Inquire about advice","confidence_score":0.06389261}]},{"text":"I'm staying the same. Yeah. You're still happy Yeah. with that? Yeah. Beautiful.","start_word":6902,"end_word":6914,"intents":[{"intent":"Express surprise","confidence_score":0.001213062}]},{"text":"Before we end the call, I'll just run through a really quick risk profile questionnaire with each of you just to kind of gauge where you're both sitting risk wise just to make sure everything is on par. But, realistically, with your time horizon, you know, I've got here that your goal was that you're sort of hoping to access super around about the age of 60. Is that still correct for yourself, Sergio?","start_word":6915,"end_word":6988,"intents":[{"intent":"Confirm age","confidence_score":0.0085951}]},{"text":"If I you know, I'll just put it there. I don't know when I can retire in that time or not. Yep.","start_word":6991,"end_word":7012,"intents":[{"intent":"Consider retirement date","confidence_score":0.0008193169}]},{"text":"So it's one advice document for both of you, or did you want separate advice pieces for each of you? What would you guys like?","start_word":7072,"end_word":7096,"intents":[{"intent":"Request clarification","confidence_score":0.0045069996}]},{"text":"What would you both like moving forward? Oh, no.","start_word":7210,"end_word":7218,"intents":[{"intent":"End call","confidence_score":0.044215254}]},{"text":"I I can set the advice up so it's, you know, to both of you, and then we have individual recommendations within the advice piece, and we just go through that together.","start_word":7233,"end_word":7264,"intents":[{"intent":"Consolidate recommendations","confidence_score":0.12198141}]},{"text":"I I can set the advice up so it's, you know, to both of you, and then we have individual recommendations within the advice piece, and we just go through that together. I Yes.","start_word":7233,"end_word":7266,"intents":[{"intent":"Set up advice","confidence_score":0.31958342},{"intent":"Provide advice","confidence_score":0.01517712}]},{"text":"do like to sort of incorporate that as a couple moving forward for a lot of aspects. I mean, you still got eighteen years ahead of you, before accessing through for this stage. But when you sort of think Mhmm. about it, the closer you both get to that retirement aspect, having advice done together does work well for you both because we will, as we get closer to retirement, wanna look at how to access those funds.","start_word":7267,"end_word":7344,"intents":[{"intent":"Discuss retirement aspects","confidence_score":0.0012421134}]},{"text":"So, dear, the other thing to sorta have a chat about there is your insurances. Now having a look at your insurances, your your cover is a little bit different to Angela's. You've got life cover, and it basically shows that if you were to pass away today, your life cover would pay out a benefit of 868,219. Now Okay.","start_word":7440,"end_word":7499,"intents":[{"intent":"Discuss insurances","confidence_score":0.23727815}]},{"text":"So, realistically, in the event of you passing away today, your life cover and your super could pay out a benefit of over 947,000, which realistically could pay off the mortgage and then leave Angela with a little bit extra money to take some time off or to, you know, grieve and look after the kids and things like that.","start_word":7544,"end_word":7603,"intents":[{"intent":"Provide extra money","confidence_score":0.044871666}]},{"text":"Did you wanna review that at all? Yeah. Yeah.","start_word":7612,"end_word":7620,"intents":[{"intent":"Reviewing items","confidence_score":0.000007999023}]},{"text":"Are you wanting that updated to reflect being paid to Angela, or are you happy with that? Okay.","start_word":8123,"end_word":8140,"intents":[{"intent":"Request update on super benefit coverage","confidence_score":0.000017111071}]},{"text":"And because Yeah. they are technically tax dependent, they received the benefit tax free. So Leila would actually receive the benefit minus 17% tax. So she could Yeah.","start_word":8353,"end_word":8380,"intents":[{"intent":"Reduce tax costs","confidence_score":0.0005294863}]},{"text":"The other way that you can structure it is to have it paid directly to your partner. So you have Yeah.","start_word":8386,"end_word":8406,"intents":[{"intent":"Structure benefit structure","confidence_score":0.025716621}]},{"text":"Does that make sense? Yeah.","start_word":8440,"end_word":8444,"intents":[{"intent":"Clarify purpose","confidence_score":0.000382083}]},{"text":"then it's just important to maybe speak to a solicitor and draw up a will to reflect if something happened to reflect if something happened to both of you. That way, everything would be paid to your estate, and your kids could be looked after that way in the event of both of you something happened to both of you at the same time. Yeah.","start_word":8602,"end_word":8666,"intents":[{"intent":"Draw up will","confidence_score":0.0041384073}]},{"text":"It is a new beneficiary form.","start_word":8704,"end_word":8709,"intents":[{"intent":"Specify beneficiary form","confidence_score":0.008190805}]},{"text":"we'll we'll get a new beneficiary form updated, and we're happy to help what we can to make it easier on the both of you. Does that sound Yep.","start_word":8750,"end_word":8778,"intents":[{"intent":"Set up a beneficiary form","confidence_score":0.000062222076}]},{"text":"So, Sergio, we've confirmed that your life insurance is fine. Your TBD cover, so total permanent disability, has the same level of cover. If you were never able to go back to work again, you're covered for 868,219. And, again, if you Okay. would never be able to go back to work again, we can also try to claim against this super.","start_word":8785,"end_word":8846,"intents":[{"intent":"Assist with disability coverage","confidence_score":0.0019340456}]},{"text":"But do you feel like the level of cover you have is appropriate? Did you wanna look at reviewing that level of cover? I don't know.","start_word":8883,"end_word":8908,"intents":[{"intent":"Discuss level of cover","confidence_score":0.00035299387}]},{"text":"What is your current income? What are you earning at the moment?","start_word":9037,"end_word":9048,"intents":[{"intent":"Review income","confidence_score":0.54913795}]},{"text":"So your monthly benefit that you're covered for of $3,006.07 5 is slightly over that, but it means that if your income is up to, say, 62 or 63,000, you have a a little bit more cover to, you know, to provide for expenses if you're not able to work. Does that make sense?","start_word":9231,"end_word":9284,"intents":[{"intent":"Provide benefits","confidence_score":0.006855638}]},{"text":"So with I've updated a lot of the same things that we sort of spoke about, Angela, just with your expenditure and savings, you guys are able to save around about $600 on a weekly basis. Is that together between the two of you? Yes. I think so.","start_word":9617,"end_word":9664,"intents":[{"intent":"Update information","confidence_score":0.018940123}]},{"text":"And, Sergio, the only other thing to sort of talk about insurance wise is that you can get other types of insurance cover. So things like trauma, which is paid out of your back pocket, but can pay out a lump sum tax free benefit in the event that you'll stay diagnosed with MS, Parkinson's, cancer, have a heart attack or a stroke.","start_word":9951,"end_word":10013,"intents":[{"intent":"Discuss insurance policies","confidence_score":0.003990957}]},{"text":"I just just to kind of recap the question that you both had. So Yes.","start_word":10254,"end_word":10268,"intents":[{"intent":"Recap question","confidence_score":0.53856224}]},{"text":"you're looking at ways to be able to utilize your super to maybe buy property. Is that Yes. right?","start_word":10269,"end_word":10287,"intents":[{"intent":"Obtain information about super funds and investments","confidence_score":1.3309923e-7},{"intent":"Explain current plan","confidence_score":9.10036e-7}]},{"text":"obviously, we wanted to know our options because, like, if it's going to kind of, you know, limit our so, like, we obviously wanna retire at 60, but if we were going to go and do this investment property, does it gonna is it gonna extend our retirement age to, you know, an additional Mhmm. ten years or an additional five years or whatever it may be or Yep.","start_word":10300,"end_word":10368,"intents":[{"intent":"Discuss retirement options","confidence_score":0.0015445368}]},{"text":"So we can hold investments in property funds. In order to buy an actual house, we we used to have to have a self managed super fund, and we used to be able to get a loan within that super fund where the super fund would own the house. The rent would pay that down and our contributions, and then by our time, we would have to sell the property or find a way to have the income cover, you know, our living expenses. Mhmm.","start_word":10426,"end_word":10510,"intents":[{"intent":"Discuss investments in super funds","confidence_score":0.00007593204}]},{"text":"So there are those other aspects and differences different ways to assess it.","start_word":11680,"end_word":11692,"intents":[{"intent":"Assess property options","confidence_score":0.09845574}]},{"text":"There's lots of different options out there, but I do think maybe just having that initial conversation with the mortgage broker might be worthwhile looking at what your options are, the servicing capacity. Maybe, yeah, when you join your daughter into the conversation and have a chat about what she might be able to bring to the table and how this could benefit her as well. Mhmm.","start_word":11825,"end_word":11891,"intents":[{"intent":"Explore options","confidence_score":0.0057579814}]},{"text":"Maybe, yeah, when you join your daughter into the conversation and have a chat about what she might be able to bring to the table and how this could benefit her as well. Mhmm.","start_word":11858,"end_word":11891,"intents":[{"intent":"Discuss benefits","confidence_score":0.012369485}]},{"text":"Do you have additional questions? Have I answered everything that you had, or did you have more questions that you wanted to bring up with me?","start_word":12094,"end_word":12119,"intents":[{"intent":"Request information","confidence_score":0.0032430568}]},{"text":"The last thing I just wanted to do with the both of you is a quick risk profile questionnaire. So I'm just gonna go through a couple of questions just to sort of assess whether or not you're in the correct portfolios currently and whether we Yep.","start_word":12159,"end_word":12205,"intents":[{"intent":"Evaluate portfolios","confidence_score":0.5136755}]},{"text":"The last thing I just wanted to do with the both of you is a quick risk profile questionnaire. So I'm just gonna go through a couple of questions just to sort of assess whether or not you're in the correct portfolios currently and whether we Yep. keep the risk level that you have got.","start_word":12159,"end_word":12213,"intents":[{"intent":"Assess risk level","confidence_score":0.10452553},{"intent":"Assess risk mitigation","confidence_score":0.0011978977}]},{"text":"Do you think you'd consider K. it a buying opportunity, maybe put more money into the market? Are you wanting to maybe hold and wait and speak to us, or are you a bit concerned and maybe wanting to sell the investment to cash?","start_word":12251,"end_word":12294,"intents":[{"intent":"Evaluate investment options","confidence_score":0.015483576}]},{"text":"I'd probably I wouldn't jump yet, but I'd start Mhmm. like, I'd be toying with the idea of maybe seeing if we can move the investments to other other companies. Yep.","start_word":12322,"end_word":12352,"intents":[{"intent":"Adapt investments","confidence_score":0.0016614164}]},{"text":"that would probably come with a conversation to us to see what we recommend you do and how we Yes. react in that instance.","start_word":12381,"end_word":12404,"intents":[{"intent":"Recommend discussion","confidence_score":0.008355656}]},{"text":"it if it went if the market went up oh, sorry. The market went down by 20% and the share in one to two years.","start_word":12436,"end_word":12460,"intents":[{"intent":"Evaluate market implications","confidence_score":0.00071321806}]},{"text":"So to give you a bit of a breakdown on the different portfolios that you're both in.","start_word":12796,"end_word":12812,"intents":[{"intent":"Comparing portfolios","confidence_score":0.006256939},{"intent":"Comparing investment portfolios","confidence_score":0.0014877294}]},{"text":"Sergio, are you still comfortable in that kind of environment? Are you happy with that?","start_word":12917,"end_word":12931,"intents":[{"intent":"Assessing comfort in investment environment","confidence_score":0.016952505}]},{"text":"So you are taking a bit less risk than where Sergio is, but, admittedly, your balance is also slightly higher than his. Are you happy in that environment?","start_word":13047,"end_word":13074,"intents":[{"intent":"Assessing portfolio balance","confidence_score":0.063878305}]},{"text":"So you are taking a bit less risk than where Sergio is, but, admittedly, your balance is also slightly higher than his. Are you happy in that environment? Are you happy with that growth area? Did you wanna that further?","start_word":13047,"end_word":13086,"intents":[{"intent":"Comparing income","confidence_score":0.00011939682}]},{"text":"Theoretically, we wanna boost, yes, Sergio's balance up as much as possible moving forward as well so that when you both get to retirement, if you've got balances that are fairly even, then we can be drawing income fairly evenly. Whereas if we get to retirement and your balance is higher than Sergio's, we'll probably take more from your super to supplement so we can Yeah.","start_word":13393,"end_word":13458,"intents":[{"intent":"Boost super balance","confidence_score":0.018083524}]},{"text":"Whereas if we get to retirement and your balance is higher than Sergio's, we'll probably take more from your super to supplement so we can Yeah.","start_word":13433,"end_word":13458,"intents":[{"intent":"Supplement super","confidence_score":0.2224607}]},{"text":"then at least come if he's more aggressive, then he can his balance can come up Yep.","start_word":13487,"end_word":13503,"intents":[{"intent":"Ask about inflation rate","confidence_score":0.00000808308}]},{"text":"Would either of you be comfortable looking at maybe salary sacrificing or adding more money into super to provide a greater boost to retirement income, or are you sort of hoping to look at the the property side first? What would you feel?","start_word":13546,"end_word":13588,"intents":[{"intent":"Discuss salary options","confidence_score":0.12853868},{"intent":"Discuss salary options","confidence_score":0.33400145},{"intent":"Inquire about savings","confidence_score":0.0000066438874}]},{"text":"And then at the end of the financial year, we claim a a notice of intent, and that can also provide a bit of a tax deduction for you as well. But doing it that way means you've just gotta be a little bit more comfortable putting the money in on a regular basis from your bank account. So it does Yeah.","start_word":13741,"end_word":13802,"intents":[{"intent":"Discuss tax deduction option","confidence_score":0.00025773645}]},{"text":"Now the only other thing I need to do is just to book you in for a quick pre assessment with my admin team Yes. member.","start_word":14136,"end_word":14161,"intents":[{"intent":"Schedule pre-assessment","confidence_score":0.33573678}]},{"text":"Is it okay if I was to book that one in, per se, this Wednesday at 04:00 for you?","start_word":14244,"end_word":14262,"intents":[{"intent":"Schedule appointment","confidence_score":0.041488077}]},{"text":"Is it okay if I was to book that one in, per se, this Wednesday at 04:00 for you? Would that be at Happy all okay? Halloween Yeah.","start_word":14244,"end_word":14271,"intents":[{"intent":"Confirm booking","confidence_score":0.1751074}]},{"text":"I can do so we can do sort of 04:30 like we did today, or I can make it 05:00 for you. What would be your preference?","start_word":14441,"end_word":14467,"intents":[{"intent":"Arrange appointment","confidence_score":0.000116445524}]},{"text":"The only other thing to let you know is that the the ongoing service agreement is in that annual review pack there for you. So you do both pay an ongoing service fee. It's 1.10% at the moment as you're a couple onboarded together. If I Mhmm. can just get you both to sign and return those back for us, that just allows us to continue providing our services and updating advice for you moving forward. Okay? Sure.","start_word":14728,"end_word":14805,"intents":[{"intent":"Review service agreement","confidence_score":0.008868806}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hi, Angela. It's Dana again from OQ Financial. How are you again?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1212632730603218},{"text":"Good. Thank you.","start_word":14,"end_word":16,"sentiment":"positive","sentiment_score":0.5355164408683777},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.29734522104263306},{"text":"Very well. Thank you.","start_word":20,"end_word":23,"sentiment":"positive","sentiment_score":0.5135059952735901},{"text":"Are you okay if we start going through your part of the annual review now? And then, hopefully, Sergio will turn up partway through, and we can continue on with his side of things and then answer any questions together that you Yeah. both might have. Does that sound okay? Yeah.","start_word":24,"end_word":74,"sentiment":"neutral","sentiment_score":0.13282236456871033},{"text":"That's that's a great idea. Yep. Fantastic. Excellent.","start_word":75,"end_word":82,"sentiment":"positive","sentiment_score":0.6127084493637085},{"text":"Angela, before I jump into the call, I do have to let you know, and I will let Sergio know when he arrives as well, that we do record our calls for quality and training purposes. Are you happy Mhmm. for me to proceed with that? Yes. That's fine.","start_word":83,"end_word":131,"sentiment":"neutral","sentiment_score":0.19989541172981265},{"text":"Fantastic.","start_word":132,"end_word":132,"sentiment":"positive","sentiment_score":0.5694162845611572},{"text":"And then just to do a security check there with you as well, I'll just need to confirm for me your full name, your date of birth, and address I should have on file. Yeah. My name is Angela Suarez Teran. Date Yep. of birth, seventeen eleven nineteen eighty four. Fantastic. Address is 9 Stroke 49 Cambridge Street, Oxley Park 2760.","start_word":133,"end_word":193,"sentiment":"neutral","sentiment_score":0.1402234435081482},{"text":"Beautiful. Thank you so much for that.","start_word":194,"end_word":200,"sentiment":"positive","sentiment_score":0.5678285360336304},{"text":"Angela, as part of the annual review, I did send through some documents to yourself and Sergio to kinda go through. Are you I'm able to open your emails there at the moment? If you I'm can't, that's honestly okay. I'm able to open my emails on my phone. Yeah. Yeah. Absolutely. Dana. This makes Yep. it a little bit easier so you can see what I'm looking at. Mhmm. Yep. I can see. So just open the where it says sign documents? Or Yes. So the that that's what the sorry. The ongoing service agreement and the tax file consent attached. The documents I'm actually gonna go through are below, and they're the attachments there. Yep. I can One of those attachments, it should say performance with internal see them. rate of return. I'm just checking to see which one is yours because we do have all the documents attached for you both. I'll see if it's kind of separated for you. Yeah. It's separated. I've just opened It it. is.","start_word":201,"end_word":372,"sentiment":"neutral","sentiment_score":0.05087453317503597},{"text":"Oh, beautiful.","start_word":373,"end_word":374,"sentiment":"positive","sentiment_score":0.4954650402069092},{"text":"And you're looking at your performance with internal rate of return there? It should have the date and then your name at the top. Yes. That's mine. Yep.","start_word":375,"end_word":402,"sentiment":"neutral","sentiment_score":0.11978141963481904},{"text":"Beautiful.","start_word":403,"end_word":403,"sentiment":"positive","sentiment_score":0.49621790647506714},{"text":"So with this one here, having a look at things, now these documents were prepared a few weeks ago. So I do apologize. We rescheduled last time.","start_word":404,"end_word":430,"sentiment":"neutral","sentiment_score":-0.03149718791246414},{"text":"I, unfortunately, was extremely unwell.","start_word":431,"end_word":435,"sentiment":"negative","sentiment_score":-0.4668150544166565},{"text":"That's okay. But if you have a look and go to the second page of that document, it essentially shows you what your Mhmm. super last year at this time was a 165,650 and 67<unk> there. When Uh-huh. we look at the market value now for the balance as of the 07/23/2026, you're up to a $184,019.50 there. And I'm just going because this was just a couple of weeks ago. If I go back to just your super account there now, I can grab you an updated balance for today's date as well. And yeah. So it shows you're at a 190,700 Oh, and wow. 35. Yeah.","start_word":436,"end_word":544,"sentiment":"neutral","sentiment_score":0.0768858790397644},{"text":"Lovely little increase on that since then. Beautiful. Yeah. Perfect. So your super balance has definitely been increasing, which is good.","start_word":545,"end_word":565,"sentiment":"positive","sentiment_score":0.5337563753128052},{"text":"That's what we wanna see. When we look at how that has performed in this year, we have seen quite a bit in the way of ups and downs with the market Uh-huh. and everything that's been going on both here in Australia and also overseas. Your portfolio with regard to this performance report shows that you're up by 5.80%. So, realistically, when we think of it as a percentage return in the growth portfolio environment that you're in, we're trying to obtain around about a seven to 9% on a yearly basis there. So it Uh-huh. is a little bit of an underperformance for the year, but we do know that there are gonna be years of the portfolio and may not perform exactly where we want it to be or as high as normal.","start_word":566,"end_word":701,"sentiment":"neutral","sentiment_score":-0.031541548669338226},{"text":"Looking at things this year with everything has gone in, you have got a positive result. So it is good to see.","start_word":701,"end_word":722,"sentiment":"positive","sentiment_score":0.7080340385437012},{"text":"Not everyone likes it as a percentage. So if you look at the column in front of that, you'll see total earnings as a dollar figure. And the number you should see there is 12,925 and $45.46 cents. Can you see that one there? Yes. Yep. Yeah. So it shows you that your portfolio has made income plus growth within the last twelve months of $12,925.46 there. And then since Mhmm. then, we've had a bit more growth on top of it.","start_word":723,"end_word":804,"sentiment":"neutral","sentiment_score":0.1605549156665802},{"text":"So your portfolio, sorry, has generated a further, a higher return there as well. So it is really good to see. We are on track for sort of moving forward there a little bit.","start_word":805,"end_word":838,"sentiment":"positive","sentiment_score":0.4803929924964905},{"text":"But but, admittedly, and I'm honest, the return is a bit lower than where we would like Yeah. for the with everything that's been going on globally. Okay? Mhmm.","start_word":839,"end_word":867,"sentiment":"neutral","sentiment_score":-0.0996457263827324},{"text":"Beautiful.","start_word":868,"end_word":868,"sentiment":"positive","sentiment_score":0.33934563398361206},{"text":"Now one of the things that I also look at, and I had a bit of a look at your portfolio earlier, if you scroll back to just the first page there for me, Yeah. we've got in your performance report in the first page all the individual investments that you do have within your portfolio. You'll see at the top there, you've got some Benelon Australian equities, some bank hybrids, some cybersecurity. You've got the QR, which is the Raffi 200. You've also got some battery lithium tech, some physical gold, some bonds, some s and p Uh-huh. 500, that's some American exposure, and then some property at the very bottom there. If you look at the second last column at the other end there, you'll see the internal rate of return, and this is showing you how all the individual investments have performed individually in the portfolio. Realistically, all of them have performed really, really well except for essentially two. The Ben along Australian Equities is showing it's down by about 23.55%. So that could definitely be having an effect on holding your portfolio back a little bit. So when I reviewed things Yep. before calling you, I had decided I already wanted to look at switching this one out for you. So I do wanna update some advice, look at removing the underperforming investment. Also Mhmm. probably looking at removing the property if it's not performing very well as well, because it's also down by 1.85. So I'd probably like to just make some changes if you're comfortable with me reviewing the super and the investments and maybe just updating your portfolio and doing a bit of switch out to make sure things are working better for you and updating the portfolio to reflect changes in the market conditions. Does that make sense? Do you have any questions? Are you comfortable with that? Yeah. No. I'm comfortable with that too. Yeah. So Yeah. no. It's good that you've explained that. So yeah. Yeah. Yeah.","start_word":869,"end_word":1205,"sentiment":"neutral","sentiment_score":0.04232461239247188},{"text":"That'll be great. Beautiful. Beautiful.","start_word":1206,"end_word":1210,"sentiment":"positive","sentiment_score":0.5289220809936523},{"text":"So sorry. I just had a quick drink of water. I do apologize. Do you have any questions? Does all of that make any sense? Is there any anything on those reports that kind of you had additional questions on or would like me to maybe answer there for you additionally? No. No. No. That's that's good now. You've been really detailed, Yeah. so that's good now.","start_word":1211,"end_word":1277,"sentiment":"neutral","sentiment_score":0.03524693101644516},{"text":"Beautiful. Fantastic.","start_word":1278,"end_word":1279,"sentiment":"positive","sentiment_score":0.5200155973434448},{"text":"If you ever find you do get these reports and you're a bit confused or had any additional questions, please let me know. Part of what I love about being an adviser is the educational value because, you know, none of us grew up understanding or learning any of this at school. So if you do wanna, you know, have any questions or learn anything additional, please let me know. I love to break things down and and definitely have a look at it. I have been updating a lot of the portfolios over the past few months there and have been able to remove and along and find more cost effective ways of investing. Mhmm. There are a couple of different ways to invest, and I've got a few different portfolios that we can realistically look at. Just wanted to sort of when we look at the way you can invest all the different investment styles, there's two main styles of investing. One of those is an active management style. An active management style is having in there. So Bannalong is an active managed fund. The manager of that fund is supposed to be trying to buy and sell and outperform against the market, but they haven't been able to do so due to the underlying No. issues. Did you want me to look at replacing that with something similar to Banyan that maybe has that active management in it, or would you like me to just look at investment that might be cheaper, save fees, maybe more passively invested? So passive investments distract the market. And more often than not, over time, passive investments actually do outperform active managers. Do you have any more No. questions? Probably something like yeah. Maybe someone some another company like Ben Along maybe. Because I think, yeah, I wanted to be a little bit just not too aggressive Yep. in in the best of investment, but maybe see in between. So not so much passive, but in between. Yeah. Yeah. So you would like to have a portfolio that maybe has some active management in it for Yeah. you. Is that right? Yep. Yep. Yeah.","start_word":1280,"end_word":1642,"sentiment":"neutral","sentiment_score":0.09016198708006172},{"text":"Beautiful. I do have an option where I can include a little bit of an active manager in there for you. It's absolutely not a problem.","start_word":1643,"end_word":1668,"sentiment":"positive","sentiment_score":0.3716813921928406},{"text":"Now just sort of having a look, and one of the things we do like to look at when we're talking about investments and risk level is your goals. So having a look at things at the moment, Angela, now we originally had here that you were hoping to be able to access super and retire around about the age of 60. Is that still Mhmm. your goal age there for TriNet wanting to access super? Yeah. Yeah. That's Yep. still yeah. I'll go. Yeah. Yeah.","start_word":1669,"end_word":1754,"sentiment":"neutral","sentiment_score":0.10303063690662384},{"text":"Beautiful.","start_word":1755,"end_word":1755,"sentiment":"positive","sentiment_score":0.4086427688598633},{"text":"Now given your age, so you're 42 this year. Mhmm. 41 currently. I'm the same age as you, so please don't feel like I'm making you feel older than you are. But it does essentially mean that you have about eighteen years until you're able to retire. Mhmm. Being in that growth portfolio environment and having an active manager in your portfolio, it still still suit sorry. It still suits your time horizon. So because you have eighteen years towards before you're able to access your super at this stage, you do Mhmm. have you are able to take on a little bit more risk in the market. If you were, say, about five or six years away from retiring, I'd be suggesting we very heavily reduce risk level and maybe not have that active style in there. But if Mhmm.","start_word":1756,"end_word":1896,"sentiment":"neutral","sentiment_score":-0.015361448419643632},{"text":"you're comfortable with taking on a little bit of extra risk in the market and maybe having an active manager and they're trying to outperform against the market, I'm absolutely happy to do that.","start_word":1897,"end_word":1930,"sentiment":"positive","sentiment_score":0.3888542354106903},{"text":"Is that where you'd like me to sort of look at portfolio wise for you? Yes. Yes.","start_word":1931,"end_word":1947,"sentiment":"neutral","sentiment_score":0.15113787353038788},{"text":"Beautiful.","start_word":1948,"end_word":1948,"sentiment":"positive","sentiment_score":0.5088106989860535},{"text":"Do you have any questions? I know I can go through quite a lot, and I try to make it as less complex as possible. But is there any questions? Did you want me to break anything down more for you? Does that all make sense? No. No. It makes sense because yeah. No. At the moment, I don't have any questions. But if I That's do, okay. I'll I can always ring up ring back Yeah. and Absolutely. Most definitely. Not a problem at all. Well, what ask. I'll do is I'll go back and have a look at your suit and the investments there. I'll definitely look at maybe replacing some the Ben along with something else that we have more of Yeah. an actively managed fund towards. And I'll also consider passive investments that are working harder, see if I can reduce the investment cost within your fund as well. You know, Mhmm. having more money invested for you works harder for your retirement. So I'll see what I can do with the portfolio to incorporate that passive invest sorry, active investing style as well Yep. as try to, you know, limit the cost to make sure your the portfolio has shown great past performance. Okay? Yeah. Mhmm.","start_word":1949,"end_word":2159,"sentiment":"neutral","sentiment_score":0.0843421220779419},{"text":"Fantastic. Well, I'm really happy with how things have performed. We definitely wanna keep building on that and compounding things moving forward.","start_word":2160,"end_word":2181,"sentiment":"positive","sentiment_score":0.7102639675140381},{"text":"Just wanted to also go over and have a chat about your insurances. Now Yeah. with your insurance cover Mhmm. sorry. Is Sergei is Sergei at home now? I can hear Sorry. him in the background. I'm so sorry. Yep. So, guys, can you just keep us down? No. It's just my Oh son god. just talking. Oh, So okay. but Sergei No. That's is home. Yes. He's just gotten home. fine. That's okay. We'll let him do what he needs to before he jumps onto the call. No issues at all. Sorry. I thought I wasn't sure, and I thought I should just quickly pause for you.","start_word":2182,"end_word":2289,"sentiment":"neutral","sentiment_score":0.02435888601811948},{"text":"But, honestly, it's all good. If you need to stop for the kids, it's totally fine.","start_word":2290,"end_word":2305,"sentiment":"positive","sentiment_score":0.34402480721473694},{"text":"No. No. Sergei's come home, and my son's just telling him about his day. All. Oh, that's really wait. No. Please don't ever apologize.","start_word":2306,"end_word":2329,"sentiment":"neutral","sentiment_score":-0.08236896246671677},{"text":"That's beautiful.","start_word":2330,"end_word":2331,"sentiment":"positive","sentiment_score":0.4565141201019287},{"text":"You've probably Sorry. had some great things occur. Yeah.","start_word":2332,"end_word":2340,"sentiment":"neutral","sentiment_score":0.13611049950122833},{"text":"All good.","start_word":2341,"end_word":2342,"sentiment":"positive","sentiment_score":0.3380764424800873},{"text":"Now with your insurances, when we sort of went through the advice of you, is that we looked at just keeping group cover for you due to the pre assessments. New cover was gonna be very expensive and very hard to obtain. So when we look at your life cover, if you were to, say, pass away today, the Mhmm. life cover pays out a lump sum benefit of 206,741 and 18<unk>. But then your super is also paid out on top of that. So if I factor all of that in sorry. I'm just doing some really quick math here for you as well. Alright. Two.","start_word":2343,"end_word":2451,"sentiment":"neutral","sentiment_score":-0.0781378373503685},{"text":"Beautiful.","start_word":2451,"end_word":2452,"sentiment":"positive","sentiment_score":0.3623820841312408},{"text":"So if we sort of thought about your insurance cover, if you were to pass away today, with Mhmm. your life cover plus your current super balance, all up, the amount paid out would be about 397,475. Mhmm. Are you fairly happy with that amount? Did you wanna look at altering that, and what, you know, what would you essentially want that to pay off or pay out to? No. I think it's just to me, you know, I'm happy with anything over 100, Mhmm.","start_word":2452,"end_word":2537,"sentiment":"neutral","sentiment_score":0.02991480194032192},{"text":"so that's really good.","start_word":2537,"end_word":2541,"sentiment":"positive","sentiment_score":0.3668220341205597},{"text":"And it's just to make sure that they are comfortable or can get on their feet Yep. Yep. until they find their feet too. Okay. So yeah. Yep.","start_word":2541,"end_word":2567,"sentiment":"neutral","sentiment_score":0.1204067203733656},{"text":"Beautiful. So you're happy with them receiving anything Mhmm.","start_word":2568,"end_word":2576,"sentiment":"positive","sentiment_score":0.4816527366638184},{"text":"over, say, 100,000 as a Yeah. life benefit in the event that you passed away? Yep. Yes. Yep.","start_word":2577,"end_word":2594,"sentiment":"neutral","sentiment_score":0.10211151093244553},{"text":"Yeah. Fantastic.","start_word":2595,"end_word":2596,"sentiment":"positive","sentiment_score":0.4969146251678467},{"text":"Now you don't have any TBD covers. The TBD is total permanent disability, and it can pay out either a lump sum benefit or an income stream in the event that you're not able to ever go back to work again. We don't have any TBD. I'm more than happy to go back and see if we're able to obtain something for you based on your circumstances. But is having disability cover important to you, or you're just not worried about it? Like, what would happen if you were unable to go back to work ever again? Does Sergio's income cover the bills? Or I think, yeah, look, I've got my daughter too. You know, she she works too. So, yeah, I I don't think I mean, nobody really knows, but, like, I I No. don't think like, right now, Yes. this disabilities is a priority. And if Okay. something was to happen, I think the two of us or the three of well, all three of us could manage to pay bills or get around Yep. Yep. again. Absolutely fine.","start_word":2597,"end_word":2777,"sentiment":"neutral","sentiment_score":0.06427522748708725},{"text":"Not a problem at all. Excellent.","start_word":2778,"end_word":2783,"sentiment":"positive","sentiment_score":0.365666389465332},{"text":"And, look, the other thing to sorta consider is that if you are unable to ever go back to work again, say you, you know, broke your back or you had a car accident, could never go back to your role again, as long as Mhmm. the doctors are willing to say that your total you've got total incapacity, we can also also claim against your super. So that would be an extra 190,000 that we can release. Being as Mhmm. you are under the age of 60, unfortunately, it does become taxable, but we, as advisers, can look at what we can do to sort of help you along Okay. those lines to minimize the amount of tax. But you can Mhmm. get access to your super in that instance. So if anything was to happen, just feel free to let please let us know. We'll look at what we can help you to claim on. And if you ever decided that you did maybe need to look at, TBD insurance, let me know.","start_word":2784,"end_word":2958,"sentiment":"neutral","sentiment_score":-0.0011633881075041636},{"text":"I'm more than happy to go back, and we can assess your health and then and see what kind of contracts might be on offer there.","start_word":2959,"end_word":2984,"sentiment":"positive","sentiment_score":0.34526386857032776},{"text":"Is that okay? Okay. Yeah.","start_word":2985,"end_word":2989,"sentiment":"neutral","sentiment_score":0.1927373707294464},{"text":"That's fine. Thank you. Beautiful. Excellent.","start_word":2990,"end_word":2995,"sentiment":"positive","sentiment_score":0.5343021154403687},{"text":"The other type of insurance you do have is income protection. So at the moment, you've got a a monthly benefit payable in the event of being off work due to illness or injury in the short term of $1,113.91. I'm thinking Mhmm. about a $1,113 on a monthly basis if you were not able to go to work. Do you have much in the way of sick leave, annual leave, long service leave that you could also fall back on to provide additional benefit on top of the income protection payment? Sickly. Yeah. Not so much long service leave, but annual leave, I'd have to. So yeah. Yep. Yep. Sorry. Did that correct me if I'm wrong. That income Sure. protection Sure. would be the ninety days waiting and five years benefit. So does that Yep. mean that it goes for five years? Or You can do. You're absolutely correct. Yes. So you just have to be off work for ninety days prior to being able to make a claim on Yep. the Right. income protection. And then you can be on a claim for up to five years to say if Right. you had a Mhmm. car accident and you broke your back and you were off work for, say, three or six months, you could be on the claim. Yeah. The amount paid out is pretax, so they do also tax you on that. So, say, Right. rough estimate might be about $900 on a monthly basis paid out to you. Yep. But in that instance, with Sergio still working and you mentioned your daughter also works, does that Mhmm. amount feel sufficient? Would you wanna look at trying to increase that to meet more of your needs, or are you fairly happy with that income protection level that you have? I think I should be yeah. Like, if there was an increase, what would that look like? Like, if you were like, oh, okay. I wanted to maybe go up to 1,300, for example, or I'd one have thousand to have a look five at 100. the yeah. You're right. I'd have to have a look at the quotes and find out what that Right. might look like. I could, if you wanted me to, go through as part of the advice and maybe make a recommendation to increase the income protection to be more in line with needs and show you the cost and the effect on your super if you wanted to. Would you Mhmm. like me to do that for you as part of the advice document? Yeah. Just just to see what it looks like. And then, I mean, that would be our option as to going ahead and right. Yep. Like, if if we like that Yeah. quote, then we'll go ahead with it. If not, Yeah. we just kinda leave it. Is that right? Yeah. I'm just Okay. pulling up the pre assessment details that we completed a while back just to sort of look and see what might have changed in your circumstances there because the pre your pre assessment that we completed would definitely give me an indication of why we weren't able to get additional cover on top of this. Sorry. It won't be a second. I'm just looking for the Mhmm. workbook. Yeah. Completely. Let's have a look. It's around December.","start_word":2996,"end_word":3560,"sentiment":"neutral","sentiment_score":0.02711280109608068},{"text":"All good.","start_word":3561,"end_word":3562,"sentiment":"positive","sentiment_score":0.41850778460502625},{"text":"But, yeah, if I include that into the advice, if that's sort of what you're after, then you can sort of see not just the cost of the premium, but Mhmm. also how what kind of effect that has on you because in the insurances are also paid out of super. So it can over the next sort of couple of years also have an effect on your super there.","start_word":3563,"end_word":3632,"sentiment":"neutral","sentiment_score":0.04243098199367523},{"text":"It looks like I don't have much in the way of previous information on the health side of things.","start_word":3633,"end_word":3651,"sentiment":"negative","sentiment_score":-0.44803914427757263},{"text":"Sorry. I'm just going back through our records. And we've had a system change since we last sort of went through things you. So I'm trying Okay. to kinda go back through the old system. I do apologize about that. No. That's alright. Look, from the top of my head, I'm pretty sure they didn't wanna give me coverage. But some I Mhmm. can't remember why. Yeah. Like, jail coverage, I can't remember. Like, I'm just this is vaguely remembering some stuff. That's like I think it was, like, the end of twenty twenty three that we kinda went through 2023, '24 that we went through and kind of re onboarded everything and Yeah. adjusted it all. What I would probably like to do, if you're comfortable with that, is I'd love to do another pre assessment for you. So get one of my beautiful team members to give you a call next week, get her to do a quick five minute pre assessment with you just so I can have a look at, you know, what kind of contracts might be on offer, what the cost might be, and look at how we can look at increasing the income protection for you. Does that sound okay Yeah. with you, Angela? Yeah. Yeah.","start_word":3652,"end_word":3864,"sentiment":"neutral","sentiment_score":0.03167096116173435},{"text":"That'll Yep. be great. Fantastic. And then they'll give me some updated records to work on for you too, which is really great.","start_word":3865,"end_word":3887,"sentiment":"positive","sentiment_score":0.6042784452438354},{"text":"You may may have mentioned that with income protection, you can be covered for up to 70% of your gross income, so pretax Mhmm. income. Did you want me to look at increasing it up to the maximum that you can be on to kinda give your family the best possible expenses to outcome in the event, or is there a certain amount, like you said, one point, you know, 1,500 on a monthly basis you'd be fairly comfortable with, what would you sort of think or feel? Look. Honestly, I think one try because it's monthly, isn't it? I just realized It that. is yeah. And it's gross. So it does also have an effect like, it's also considered a taxable income. Yeah. Have a look. If you could have a look and see if you can get the the maximum. If Yep. not, anything over 1,000 is is already helpful. Yep. So what say anything over 1,000 per week net, so after tax to make Yeah. it easier. Yep. Yeah.","start_word":3888,"end_word":4059,"sentiment":"neutral","sentiment_score":0.06496786549254212},{"text":"Absolutely. Not a problem at all.","start_word":4060,"end_word":4065,"sentiment":"positive","sentiment_score":0.3727290034294128},{"text":"So I'll look at increasing the income protection. I'll look at all the options and see what we come out with. If Mhmm. for any reason I can't get another option for you, I'll come back and have that conversation prior to us, going to the advice document just to make sure that you're aware of everything and talk about what your options might be moving forward. Okay?","start_word":4066,"end_word":4133,"sentiment":"neutral","sentiment_score":0.10535988956689836},{"text":"Fantastic.","start_word":4134,"end_word":4134,"sentiment":"positive","sentiment_score":0.6361016035079956},{"text":"Now there are other types of insurances, and, look, honestly, we can insure everything to the health. Your main personal insurances are life TBD income protection. You can also hold other covers like trauma. So trauma pays out a lump sum tax free benefit if you are, say, diagnosed No. with, say, Parkinson's, MS. Cancer's a big one. People claim trauma for strokes and heart attacks as well. The Mhmm. main difference with trauma versus life TV and income protection is trauma is an out of pocket cost. You can't actually pay for trauma inside super. Did you feel like you would like to get some additional coverage, say trauma as an additional benefit, or are you happy just with what you've got with the income protection in life and look at increasing income protection? What's your thoughts there? I think probably increasing the protection, but I'm happy with just the the protection at the moment as Yep. opposed So to sorry. adding the mental. Yes. Absolutely. So you're happy with the income protection side of things to cover Yes. your income.","start_word":4135,"end_word":4316,"sentiment":"neutral","sentiment_score":0.026061968877911568},{"text":"Happy to increase that. Happy to keep the life.","start_word":4317,"end_word":4325,"sentiment":"positive","sentiment_score":0.3752810060977936},{"text":"You're not worried about CBD or Yes. any None. trauma benefit. Yep. That's None. okay. Beautiful. Absolutely fine. And there are additional, like, child benefits and things like that. How many kids do you and Sergio actually have? We have two, Yeah. but, I mean, they're already much older. I mean, my oldest is 21, and and the youngest Wow. is just 14. 14. Oh, wow. 14 years of age. Beautiful. And Yeah. so your son's 14. Your daughter's 21. Is that right? Yes. Yes. That's right. Yep. Yep.","start_word":4326,"end_word":4414,"sentiment":"neutral","sentiment_score":0.060215842857789456},{"text":"Beautiful. I mean, mean, amazing ages.","start_word":4415,"end_word":4420,"sentiment":"positive","sentiment_score":0.6064117550849915},{"text":"How is Okay. it with boys going through at teenage years? I'm about to do that.","start_word":4421,"end_word":4436,"sentiment":"neutral","sentiment_score":0.16057199239730835},{"text":"So anything you can give me advice wise will be perfect.","start_word":4437,"end_word":4447,"sentiment":"positive","sentiment_score":0.37526950240135193},{"text":"I think I'm in a very trialing stage right now. I can tell you that that's for sure. I think a lot of hormones Oh, there's a lot of hormone hijacking. wow. So Yep. you're working a lot with those hormones, and I think it's just being patient. I think that's Oh, my best advice I can give you. yep. Yep.","start_word":4448,"end_word":4508,"sentiment":"neutral","sentiment_score":0.07627133280038834},{"text":"Thank you for that.","start_word":4509,"end_word":4512,"sentiment":"positive","sentiment_score":0.5707908868789673},{"text":"Yes. I'm about to hit those teenage years with my son. I have not done boys before. I had girls. So That's I've right. been asking all my friends, like, how was it? What did you do? How did you deal with it? I mean, I had such a beautiful textbook. I mean, she still is quite as beautiful, but very textbooky. You know? This is what happens Yeah. in puberty. She was very textbook. And then Yeah. I've never you know, then you had the boy and you're like, woah. So at the moment, it's a big roller coaster and and very trialing. Different.","start_word":4513,"end_word":4617,"sentiment":"neutral","sentiment_score":0.02720011956989765},{"text":"Goodness, ma'am. Well, I think you're doing amazing, and I hope you feel you're doing amazing. You're doing a great job. Excellent. Thank you.","start_word":4618,"end_word":4641,"sentiment":"positive","sentiment_score":0.6019670963287354},{"text":"No. All good. We'll look down the track if the kids ever wanted to talk about additional insurances, life cover, and things like that. We can certainly look at helping them out. Your daughter is a bit older for child cover, so there are additional, you know, insurances aside from what you have for yourself that you can put in place to cover your children as well. Your daughter being 21 is a bit over the age to get child cover, and your son is almost the cutoff point for child cover entry as well. So but it's Mhmm. just it's more just a lot of people tend to have those sorts of things to cover, you know, their children if they were to, heaven forbid, for you know, pass away, or Yes. we have had clients where their kids have been diagnosed with cancer or a major illness of some sort, and they've claimed on that child trauma policy to kind of provide Mhmm. a little bit of extra benefit allowing them to take time off while their kids are seeking treatment. So there's all those other options, but, yeah, your son is almost at that cutoff point. Your daughter's a little bit too old for those there. Mhmm. But down the track, if they ever decide they wanna look at life insurance and things like that, you're welcome to direct them our way, and we're certainly able to help them in that aspect as well. Okay?","start_word":4642,"end_word":4889,"sentiment":"neutral","sentiment_score":0.00397164633496657},{"text":"Fantastic. Yep. Thank you. Excellent. Beautiful.","start_word":4890,"end_word":4895,"sentiment":"positive","sentiment_score":0.4984780251979828},{"text":"So we've gone through your super and your life cover and income protection side of things. I've got a really good idea of what we'll do moving forward, and I'll make sure before the end of the call I book you in to have a pre assessment with my colleague and my admin Mhmm. team here. Just to sort of update a few additional details for yourself, Angela, Income wise, we had you on about 100,000 last year. Is that still correct or if you had a pay rise since we last caught up? No. It's still the same, I think. Yep. Yep. Beautiful. And I also had expenditure wise. So you guys were able to save about $600 on a weekly basis from your income. Are you still finding that that is possible, or has things changed a little bit with your savings and your expenditure recently? No. That's still possible. That's still Still yeah. possible? Still possible. Yep. Yep. Fantastic. Excellent. And you're still down as a a nurse educational officer with TAFE New South Wales. Is that still correct? Yep. That's still correct. Beautiful. And I've also got your car down here with an asset value of 32,000. What sort of car do you drive? It should be a Kia Sportage. Beautiful.","start_word":4896,"end_word":5110,"sentiment":"neutral","sentiment_score":0.09585422277450562},{"text":"Lovely.","start_word":5111,"end_word":5111,"sentiment":"positive","sentiment_score":0.557109534740448},{"text":"And would you still value that at 32,000, do you think? Oh, I think that's what we have for, like, insured. Like, if it Yeah. if there was Yep. something to happen, yeah, that's what we'd yeah. We have it insured as market value, I think. Yep.","start_word":5112,"end_word":5158,"sentiment":"neutral","sentiment_score":0.02164725959300995},{"text":"So Beautiful.","start_word":5159,"end_word":5160,"sentiment":"positive","sentiment_score":0.4260430335998535},{"text":"I don't know whether it's at 32. Yeah. That's okay. And with the debt value, we had you guys owed about 25,000 on that vehicle. Do you still have a loan on the car? Yes. We still do. Yep.","start_word":5161,"end_word":5199,"sentiment":"neutral","sentiment_score":0.03165303170681},{"text":"Beautiful.","start_word":5200,"end_word":5200,"sentiment":"positive","sentiment_score":0.4230075478553772},{"text":"And is it still valued sorry. The loan's still about 25,000, or have you been able to reduce that since then? I think you've been able to do so. I'm just gonna ask my husband. Yeah. You're fine. Sorry. What did sorry, Dana. What what was did you have on record? How much it was again? The loan, 25,000. 25. It it should be down there, shouldn't it? Well, I would honestly, I can't remember because That's what okay. we what we did last year is we what's the word? No. I can't remember. It's at the tip of my tongue. So when we Did you consolidate it into your loan? yes. That's it. We consolidated Yes. into all our loans. So we've got Yep. two state loans. So that's so I'm gonna say maybe it's about 20 now. Yep. That's okay. Not a problem at all. So when consolidated into your home loan, what Yep. does that mean you owe on your home loan now? My husband is trying to go on to the app, but I've got I've lost access to it. So Oh, no. yeah. Well, I forgot the password. So but do you know how much the home loan ended up being altogether altogether when we when we did the when we did the refinancing. With the car loan and everything. Car loan wasn't that much? That. Here. Yes. Hold on. Oh, I can't really I can't remember. I'm so sorry, Dana. No.","start_word":5201,"end_word":5447,"sentiment":"neutral","sentiment_score":-0.02489549294114113},{"text":"That's okay.","start_word":5448,"end_word":5449,"sentiment":"positive","sentiment_score":0.3734556436538696},{"text":"That's alright. We had about six I'm six trying 120 to five I thousand here last year. Do you think it'd be roughly around the same with the consolidation, or do you think it might have increased I think by for about both 20 cars, or thousand? roughly around twenty five days. So my husband was saying for both the cars, he reckons it's about 25 for both cards because we consolidated both cards. Okay.","start_word":5450,"end_word":5524,"sentiment":"neutral","sentiment_score":0.03023354522883892},{"text":"Beautiful.","start_word":5525,"end_word":5525,"sentiment":"positive","sentiment_score":0.383585661649704},{"text":"Because, yeah, I had about $6.25 here Yeah. from the last valuation. So do you think I just add the extra sort of 25,000 on Yeah. top of that to give the rough valuation for the mortgage? Yes. I think so. Yep. Yeah. Yep. Beautiful. Yeah. I was on the side of it. It's not together. That's okay. Not a problem.","start_word":5526,"end_word":5586,"sentiment":"neutral","sentiment_score":0.06288913637399673},{"text":"All all good. Thank you for updating that.","start_word":5587,"end_word":5594,"sentiment":"positive","sentiment_score":0.46003514528274536},{"text":"And what kind of car does Sergio drive? He drives a Toyota Corolla Corolla. Beautiful. Hatchback. hatchback. What was the value that you can put on your on the car now? It's still market value, but I don't know. We we do put it at market value. So, That's yeah, it depends on what it's worth now, I guess. That's okay. I I can always have a look at, you know, the rough valuation of that make Yeah. and model if you like to see what the average would be. Absolutely. Yep. What year model is it? What year and model is it? I think 2016. 2016? Yep. It it's give or take 2015, 2016, one of those that Yep. and it's a Toyota Corolla hatchback. Yeah?","start_word":5595,"end_word":5721,"sentiment":"neutral","sentiment_score":0.03986934572458267},{"text":"Beautiful.","start_word":5722,"end_word":5722,"sentiment":"positive","sentiment_score":0.36867985129356384},{"text":"Beautiful. Is it like a sports or anything fancy, or is it just more of the standard? I think it's just a standard. I don't think it's a sports. Nope. That's okay.","start_word":5723,"end_word":5754,"sentiment":"neutral","sentiment_score":0.03249942138791084},{"text":"Beautiful.","start_word":5755,"end_word":5755,"sentiment":"positive","sentiment_score":0.389335036277771},{"text":"I can go back and have a look. I've got a few options for looking at research data on those sorts of things. To look at the average valuation, it's not a problem Mhmm. at all. And assets wise, do you have any other assets, any other shares, cryptocurrency, collections, or anything else of value that you guys would note down? No. We don't. No. That's okay. Another one I like to note down is contents. Because, realistically, if you think about something happens, if you tip your house upside down and everything fell out, that's all considered content. And we ensure that to make sure it's it's covered in the event that something happened to our home. Mhmm. Do you have contents insurance? Or No. nope. That's okay. Do do you know what you might value your contents at if you had to sort of replace everything? If you're Everything not sure, that's okay. Yeah. everything in the household. Yeah. And Sorry. maybe I the asked all the tough clothes? questions. Yeah. It's including the clothing, jewelry, house, like, appliance, Yeah. television, and everything. Yeah. Oh, I don't know. Yeah. Yeah. Yeah. Yeah. Yeah. I'm just I'm the 15,000. Yeah. I was gonna say between 5 to 10,000, Yeah. So but that to give that you a might bit of an be very idea, good. the average contents replacement costs for an average household in Australia is around but it's between 80,000 to a 150 Wow. thousand. Really? Yeah. Oh, Yeah. gosh. Yeah. They estimate that if you had to replace everything, so your house burned down or something happened, the average cost of replacing everything in your household from your cutlery, your underwear, Oh, your kids' clothes, your TVs, everything could be anywhere from 80 to a $150,000. well. Oh, this this goes to show how much we work out. Yeah. We value our stuff. Okay. So Yeah. probably just maybe something in between there then, Dana, only because Yep. that's an average thing, isn't it? Yeah. I can put maybe a 100,000 for you if you Yeah. like this sort of note in average. Yeah.","start_word":5756,"end_word":6113,"sentiment":"neutral","sentiment_score":0.04309263913866195},{"text":"Absolutely. Perfect. Fantastic.","start_word":6114,"end_word":6116,"sentiment":"positive","sentiment_score":0.5394678115844727},{"text":"Yeah. Oh, so I I've just had a look. I've been able to log in to the little app for my Okay. for my loan. It says loan amount, 561.730. Oh, much lower than we thought.","start_word":6117,"end_word":6152,"sentiment":"neutral","sentiment_score":0.11576560729251166},{"text":"Fantastic. 561. I love that. Fantastic.","start_word":6153,"end_word":6158,"sentiment":"positive","sentiment_score":0.6654403209686279},{"text":"561. 561. Sorry. Yep.","start_word":6159,"end_word":6162,"sentiment":"neutral","sentiment_score":0.1998283714056015},{"text":"Fantastic. Well, that's really good to know. Beautiful. And thank you for updating all those details.","start_word":6163,"end_word":6178,"sentiment":"positive","sentiment_score":0.601923406124115},{"text":"I will just convert that information over to back find there as well. Is Mhmm. he available to jump on the call with us now so we can kinda go through his super insurance details as well? Yes. Yeah? Hi, Sergio. I'm Hello? Dana.","start_word":6179,"end_word":6222,"sentiment":"neutral","sentiment_score":0.12344304472208024},{"text":"It's lovely to meet you. How are you? Good. Good. Nice to meet you too.","start_word":6223,"end_word":6237,"sentiment":"positive","sentiment_score":0.5410071611404419},{"text":"Yeah. Did you have a good day at work? Yeah. Not bad.","start_word":6238,"end_word":6249,"sentiment":"neutral","sentiment_score":0.25617626309394836},{"text":"Oh, that's good. That's good. Thank you so much for jumping on to your annual review there.","start_word":6250,"end_word":6266,"sentiment":"positive","sentiment_score":0.5180444717407227},{"text":"So, dear, I before I jump into the go through things with you, I do have to let yourself know that we do record our calls for quality and training purposes. Are you happy for me to continue recording the call? Yep. That's the Beautiful. And I am going through your personal information. So one. I just need to confirm your date of birth and address I should have on file for you as a quick security check there as well. 08/01/1984, Yep. Line 49 Strike 49, Cambridge Street, Beautiful. Oxley Lovely. Park. Yes.","start_word":6267,"end_word":6360,"sentiment":"neutral","sentiment_score":0.10693547874689102},{"text":"Beautiful. Thank you so much for that, and happy birthday for seventeen days ago. I hope you had a good day.","start_word":6361,"end_word":6381,"sentiment":"positive","sentiment_score":0.4856585562229157},{"text":"I was.","start_word":6382,"end_word":6383,"sentiment":"neutral","sentiment_score":0.24882590770721436},{"text":"It was good. Thank you.","start_word":6384,"end_word":6388,"sentiment":"positive","sentiment_score":0.3880825340747833},{"text":"No worries. All good. So now I did send through some documents to your email giving you an update on your super and insurances. Are you able to log in to your emails? If you can't, they are also attached to Angela's email there. It's up to you how you'd like to go through those, or I'm happy just to give you the information. What would you like to do? No. Just give me the information. Yeah. No worries at all. Easy. So, Sergio, with your super balance, this time last year, your super balance was sitting at 68,438 and 71<unk>. As of this year, and I'm just giving you because these documents were prepared just a couple of weeks ago there. So your super balance as of the July 24 was sitting there at 72,230 and 24<unk>. And then just checking it from today's value because it has changed.","start_word":6389,"end_word":6540,"sentiment":"neutral","sentiment_score":0.08118803245260527},{"text":"You're now up to 75,739, so it's great. You've had some additional I growth in there on your super, which is fantastic.","start_word":6540,"end_word":6562,"sentiment":"positive","sentiment_score":0.7218441963195801},{"text":"When we when we look at how things know. have performed over the course of the last twelve months, now you're super whilst you have made some good growth there, overall, we when we think about the growth and the income, you're actually down. It's just sort of down under about 1%, so 0.52%.","start_word":6562,"end_word":6616,"sentiment":"neutral","sentiment_score":-0.08467096090316772},{"text":"So it is being held back a little bit by, obviously, market reactions.","start_word":6616,"end_word":6629,"sentiment":"negative","sentiment_score":-0.3351304829120636},{"text":"You've had you know, your super balances increase. You've had some income reduces there. But overall, the growth is showing it's down a little bit. As the as this sort of went through with Angela, I have sort of noticed there are some investments that are underperforming in your super. So I would like to update the advice for you and look at removing those investments and replacing them with something else, making sure things are working harder for you. Are you comfortable with that, and do you have any additional questions there at all? No. I'm comfortable. Whatever you guys decide, Yeah. Yep. as Yep. long You as it's it's the best for me in the future, yeah. that's all that matters. Absolutely. Absolutely. I wanna make sure things are definitely working harder for you. And I think one of the things to sorta consider the difference being between yourself and Angela there is that you are in different risk profiles as well. So she's more growth, whereas you're more high growth. So you're actually Yeah. wanting to take on a little bit more risk in the market than where Angela is. So it does mean at times of ups and downs with the market is a bit more volatile that you are that you do have the risk of seeing more of a negative return over where she might not see one. So are you still comfortable taking on that sort of high growth environment taking on more risk, or would you like to sort of draw it back a little bit? Do you think what's your thoughts around No. that? No. I'm staying the same. Yeah. You're still happy Yeah. with that?","start_word":6629,"end_word":6912,"sentiment":"neutral","sentiment_score":-0.0920622430571263},{"text":"Yeah. Beautiful.","start_word":6913,"end_word":6914,"sentiment":"positive","sentiment_score":0.506434440612793},{"text":"Before we end the call, I'll just run through a really quick risk profile questionnaire with each of you just to kind of gauge where you're both sitting risk wise just to make sure everything is on par. But, realistically, with your time horizon, you know, I've got here that your goal was that you're sort of hoping to access super around about the age of 60. Is that still correct for yourself, Sergio? Yeah. Yeah. If I you know, I'll just put it there. I don't know when I can retire in that time or not. Yep. Yeah, I would I would love to, you know, to retire by that age. Yep. Absolutely. Well, I mean, you do have eighteen years before accessing super. We can't access super until the age of 60. So Mhmm. I'll go back and look at maybe updating the advice. Are you both comfortable if I do this advice document together? So it's one advice document for both of you, or did you want separate advice pieces for each of you? What would you guys like? Hang on here. That's Let me ask him a while. you're right. Okay. Yeah. Oh, yes. Yes. We're all here. We're both here. Oh, I'm so sorry. The phone sort That's of went okay. a little bit cut out. I could hear I couldn't hear much, and I was like, I'm not sure if you're both still there. So sorry. Uh-huh. No. That's alright. Apologize, Angela. With the advice piece there, if you like, I can do one advice document to both of you outlining the recommendations I'm making to both of you. Would you both be comfortable with me doing that, or would you like me to separate the advice into individual? What would you both like moving forward? Oh, no. I think we can have both the same or Yep. Yes.","start_word":6915,"end_word":7229,"sentiment":"neutral","sentiment_score":0.026486970649825203},{"text":"yeah. Absolute absolutely.","start_word":7230,"end_word":7232,"sentiment":"positive","sentiment_score":0.5703402757644653},{"text":"I I can set the advice up so it's, you know, to both of you, and then we have individual recommendations within the advice piece, and we just go through that together. I Yes.","start_word":7233,"end_word":7266,"sentiment":"neutral","sentiment_score":0.3118773102760315},{"text":"do like to sort of incorporate that as a couple moving forward for a lot of aspects.","start_word":7267,"end_word":7283,"sentiment":"positive","sentiment_score":0.38801321387290955},{"text":"I mean, you still got eighteen years ahead of you, before accessing through for this stage. But when you sort of think Mhmm.","start_word":7284,"end_word":7306,"sentiment":"neutral","sentiment_score":0.1617798209190369},{"text":"about it, the closer you both get to that retirement aspect, having advice done together does work well for you both because we will, as we get closer to retirement, wanna look at how to access those funds.","start_word":7307,"end_word":7344,"sentiment":"positive","sentiment_score":0.33690014481544495},{"text":"And, you know, retirement itself does mean incorporating everything within both your supers plus all of your circumstances as a whole. So if Mhmm. you are comfortable with me consolidating the recommend like, the the advice document, I can do one advice document for both of you with separate recommendations within that to show you what I'm recommending, how, and why. Mhmm. But it just means it's one document, and it kinda outlines everything for the two of you. Are you both happy with that? Yeah.","start_word":7345,"end_word":7430,"sentiment":"neutral","sentiment_score":0.15252161026000977},{"text":"I'm happy with that.","start_word":7431,"end_word":7434,"sentiment":"positive","sentiment_score":0.39727672934532166},{"text":"Yeah. Yep. Yep.","start_word":7435,"end_word":7437,"sentiment":"neutral","sentiment_score":0.21942660212516785},{"text":"Beautiful. Fantastic.","start_word":7438,"end_word":7439,"sentiment":"positive","sentiment_score":0.6609779596328735},{"text":"So, dear, the other thing to sorta have a chat about there is your insurances. Now having a look at your insurances, your your cover is a little bit different to Angela's. You've got life cover, and it basically shows that if you were to pass away today, your life cover would pay out a benefit of 868,219. Now Okay. the other thing to remember is that if you were to pass away today, your life benefit is paid out, but then your super balance is also paid out on top of that. So we also then have an extra 79,000 in super there. So, realistically, in the event of you passing away today, your life cover and your super could pay out a benefit of over 947,000, which realistically could pay off the mortgage and then leave Angela with a little bit extra money to take some time off or to, you know, grieve and look after the kids and things like that. Are you happy with that level of cover? Did you wanna review that at all? Yeah. Yeah. That's fine. That's Mhmm. fine.","start_word":7440,"end_word":7625,"sentiment":"neutral","sentiment_score":0.07014700642196081},{"text":"I'm happy with Beautiful. that. Yeah. Beautiful.","start_word":7626,"end_word":7632,"sentiment":"positive","sentiment_score":0.5396161079406738},{"text":"And I'm sorry for making the assumption, but just concerning, if you Yes. So if I yeah. If I've passed away, I've yeah. To Sergio. Yeah. Is is Yeah. that what you're saying? Yeah. What about in the event that we both pass or something happens to both of us? That's a really good question. And so with your your life benefit and your, super, we essentially put a beneficiary nomination on those products to show what happens if something happens to each of you. The Mhmm. other aspect is if something happens to both of you, that's where a will comes into play. Have you guys spoken to a solicitor or had a will drawn up in the past at all? No. We haven't. No. So it is definitely one thing to consider. So your super benefits and your life proceeds have beneficiaries to cover if one of you pass away. But then having a will drawn up by a solicitor Uh-huh. and having the direction that if anything happened to the two of you, then everything gets paid to your estate. But then how is it paid to your children? How are your children looked after? And having a guardianship in place as well. So your daughter's 21, but your son's still only 14, so he's, you know, Yeah. still technically a minor. So who would you trust to look Mhmm. after him, and how would you want all of your, you know, money paid out to look after them in the future. Okay. And that's something that is done by a qualified solicitor or a lawyer. You can also, depending on your comfort level, get a will kit drawn up. You can buy a will kit fairly simply from the post office about 30 or $35 currently. As long as Uh-huh. they are filled out correctly, they are valid. But, personally, I I prefer to go and see a qualified solicitor to draw up a will just so Yep. I know it's it's done with my direction.","start_word":7633,"end_word":7972,"sentiment":"neutral","sentiment_score":0.031818218529224396},{"text":"We've had a really good conversation of what happens if we pass away, and we understand what's happening with the kids. It considers this a guardianship aspect and also power of attorney.","start_word":7973,"end_word":8004,"sentiment":"positive","sentiment_score":0.46677425503730774},{"text":"So K. if in the Uh-huh. event that you are unable Yeah. to make decisions on on your own behalf, who would you appoint to be your attorney to make decisions, and Yep. what would you how would you want them to act on your behalf as well? Does that Mhmm. make Mhmm. sense? Yeah. Yeah. No. That makes Yeah. sense. But on record, do you have any beneficiaries down? Let me just double check that one for you. So with Sergio so, Sergio, you're super. You've got a binding non lapsing beneficiary nomination, and you've nominated 50% of each of your benefits. So 50% of your super to go to Liam and Leila, each of your children. Are you wanting that updated to reflect being paid to Angela, or are you happy with that? Okay. Which one is, like, not complicated? And, actually, Angela, your super benefit's exactly the same way. So 50% paid to Liam and Leila in the event of your passing. So it basically means that if one of you pass away, the benefit bypasses, technically, the other person. Leila is entitled to 50% of the benefit and Liam 50% of the benefit. The way So that's this a would 100 percent, like, to yes. the kids? Yeah. Yeah. 50% Oh. to each child. Yeah. The way this would realistically work, like, Angela, if I use your super as a as a bit of a guide, if you were Mhmm. to pass away and say you've got your 190,000 in there, Uh-huh. Layla is your daughter. She's 21. Is that right? Yes. Yes. So if Layla is working and not a tax dependent on you, she receives 50% of that benefit, but she has to pay or she receives 50% of the benefit minus 17% for tax because tax is paid on that amount. Liam, as being 14 and being a minor, Mhmm. he technically wouldn't receive the benefit directly. It would go to his guardian, which would probably be Sergio. So that means Sergio would receive 50% of the benefits Right. for Liam. And because Yeah. they are technically tax dependent, they received the benefit tax free. So Leila would actually receive the benefit minus 17% tax. So she could Yeah. actually receive a lesser benefit. The other way that you can structure it is to have it paid directly to your partner. So you have Yeah. it paid to Sergio. Sergio have it all paid to you. Each person receives it a 100% tax free, and then you can distribute whatever you want to your children from that aspect. Does that make sense? Yeah. Yep. No. That makes sense. Yeah. State planning is very complex, and there are Yeah. tax Yeah. consequences depending on who you have it paid to, how old they are, whether they're tax dependent or not. It is quite Yeah. a complex area, unfortunately. Yeah. Look. I think the easiest way honestly, I think the easiest way is for it to go to the partner and then the partner just divide it there. Yeah. I yeah. I think when we planned for the for it to Yes. go to the kids, I think our mind was if we both were to go. So then, you know, both the kids would get $50.50. I think that's Yeah. probably why we said Yeah. for the both the kids. Yeah. Yeah. That's absolutely fine. So this is sort of just planning for if one of you passed away, what would you Yeah. want to happen to the proceeds? And Yep. then it's just important to maybe speak to a solicitor and draw up a will to reflect if something happened to reflect if something happened to both of you. That way, everything would be paid to your estate, and your kids could be looked after that way in the event of both of you something happened to both of you at the same time. Yeah. Does that make sense? Yeah. Yeah. Yeah. No. That makes perfect sense. Yep. So yeah.","start_word":8005,"end_word":8681,"sentiment":"neutral","sentiment_score":0.09084545549120826},{"text":"Beautiful.","start_word":8682,"end_word":8682,"sentiment":"positive","sentiment_score":0.44972914457321167},{"text":"Can we just change it to just that it's Yeah. or direct to fill out a form or what happens there? It is a new beneficiary form. I can reflect that into the advice document for you just to outline Yeah. it all and kind of break it down so you can see it all on paper, and then we could Mhmm.","start_word":8683,"end_word":8744,"sentiment":"neutral","sentiment_score":0.10664068607072676},{"text":"absolutely do that.","start_word":8745,"end_word":8747,"sentiment":"positive","sentiment_score":0.5155434608459473},{"text":"And Mhmm.","start_word":8748,"end_word":8749,"sentiment":"neutral","sentiment_score":0.26924923062324524},{"text":"we'll we'll get a new beneficiary form updated, and we're happy to help what we can to make it easier on the both of you.","start_word":8750,"end_word":8774,"sentiment":"positive","sentiment_score":0.4550170302391052},{"text":"Does that sound Yep. okay? Yeah.","start_word":8775,"end_word":8780,"sentiment":"neutral","sentiment_score":0.1887158155441284},{"text":"That'll be great. Fantastic. So, Sergio, we've confirmed that your life insurance is fine.","start_word":8781,"end_word":8794,"sentiment":"positive","sentiment_score":0.47871407866477966},{"text":"Your TBD cover, so total permanent disability, has the same level of cover. If you were never able to go back to work again, you're covered for 868,219. And, again, if you Okay. would never be able to go back to work again, we can also try to claim against this super. Now as I kind of just went through with Angela, TBD, if you're unable to go back to work ever again due to disability, unfortunately, it is taxed. So there could be tax on that payment. But do you feel like the level of cover you have is appropriate? Did you wanna look at reviewing that level of cover? I don't know. Maybe for now, Yeah. I just That's okay. stay that's okay. Yeah. So it just means that you're covered for about 868,000, plus your 79,000 of super to cover you. Do you feel like that's enough TB disability cover at the moment? Yeah. I think so. Yep. That's okay. If you're ever talking about it and you wanna review that, you're both welcome to let me know. We can always have another conversation, talk about what your needs or what you want, and then kinda go from there. Okay? Okay. No worries.","start_word":8795,"end_word":9000,"sentiment":"neutral","sentiment_score":0.03863522782921791},{"text":"Excellent.","start_word":9001,"end_word":9001,"sentiment":"positive","sentiment_score":0.3509284555912018},{"text":"Now you've also got income protection. Your income protection benefit just pays a monthly benefit pretax of 3,000 Nice. 675. If you think about now your income I'm just grabbing your account. I do apologize. What is your current income? What are you earning at the moment? I think I had here last time you were on about I thousand. think 1,000 a week. Okay. Yeah. So a thousand is that 1,000 a week net or Yeah. gross? Yep. No. No. Net. Okay. Yeah.","start_word":9002,"end_word":9085,"sentiment":"neutral","sentiment_score":0.028565801996072487},{"text":"Beautiful. That's okay.","start_word":9086,"end_word":9088,"sentiment":"positive","sentiment_score":0.48356395959854126},{"text":"So, realistically, so your take home pay is about 52,000 per annum. So you're on just over 60,000 a year. Do you know have you done your tax or seen your final pay for last year? Do you know do you know what you earned last financial year total gross? Yeah. Because my work is up and down up and down. It's not the same all the time. Yeah. So, Yeah. yeah, sometimes it might go to 60, 62, and then maybe maybe next year different. Okay. Yeah. So if we work on, say, $6,060,000 as a bit of a buffer there, with income protection, you can cover up to 70% of your income if you're off work due to illness or injury. So based on an income of 60,000, you would need to be covered for a monthly benefit of 3,500. So your monthly benefit that you're covered for of $3,006.07 5 is slightly over that, but it means that if your income is up to, say, 62 or 63,000, you have a a little bit more cover to, you know, to provide for expenses if you're not able to work. Does that make sense? Do you have questions? No. No. That that's okay. You are you happy with that level of cover for income protection? Yep. It's pretty well Three on par for what you're yeah. earning. 3 something a month. Yeah. Yeah. It is gross. So just like I kinda said to Angela, if you are on an income protection claim, realistically, you will pay tax on that. So the amount you receive is a little bit lower. But, yeah, it it they kind of have to account for that. Unfortunately, insurances aren't all tax free. It's wrong. It shouldn't be that way. But, yeah, look. You're covered for the monthly benefit of 3,675. And as long as you're comfortable with that, theoretically, you get on a monthly basis a little over 3,000. Do you think that would be fairly comfortable for you? Yeah. I think so. Yes. Yep. That's okay. After the call, you're both welcome to sort of have a little chat about what we've gone through. If either of you find you have additional questions or need any additional information, if you like, I can also do up, like, a general email which is with the amount of cover that you both have and just a bit of a rundown on what those covers cover, just some general information to kinda give you a little bit of backup. Would you like me to do that for you after the call as well? Well? Yeah.","start_word":9089,"end_word":9528,"sentiment":"neutral","sentiment_score":0.03185668799348853},{"text":"That'll be great. Thank you. Yeah. Beautiful.","start_word":9529,"end_word":9535,"sentiment":"positive","sentiment_score":0.590253472328186},{"text":"Just because I know I go through a lot, so more than happy to break it down and send a bit of a recap just to go through the important things so you can sort of see it on paper and go, oh, maybe this isn't right. Maybe we do need to look at this, and you can always come back and let me know if there's more conversations to be had. Is that okay? Yeah. That's fine. Yep.","start_word":9536,"end_word":9614,"sentiment":"neutral","sentiment_score":0.19054876267910004},{"text":"Beautiful. Fantastic.","start_word":9615,"end_word":9616,"sentiment":"positive","sentiment_score":0.5859167575836182},{"text":"So with I've updated a lot of the same things that we sort of spoke about, Angela, just with your expenditure and savings, you guys are able to save around about $600 on a weekly basis. Is that together between the two of you? Yes. I think so. Yeah. Yes. Yep.","start_word":9617,"end_word":9667,"sentiment":"neutral","sentiment_score":0.2416478544473648},{"text":"Beautiful. Excellent.","start_word":9668,"end_word":9669,"sentiment":"positive","sentiment_score":0.500331461429596},{"text":"Let's update that. I've updated all your assets and liabilities as well. Sergio, I've got you down as being a community care worker. Is that still fairly accurate for your title? Yes. Yes. Yep.","start_word":9670,"end_word":9703,"sentiment":"neutral","sentiment_score":0.11793439835309982},{"text":"Fantastic.","start_word":9704,"end_word":9704,"sentiment":"positive","sentiment_score":0.3696138262748718},{"text":"And I've got one dependent here, so two children. I've got your age to access the same. We're looking at age 60. I believe in retirement, the two of you were originally sort of looking at an income of about a thousand dollars a week. Would you be looking at maybe that from each of your supers, or would you be hoping to get that from both of them together, maybe a thousand dollars of income in retirement together? How would you sort of quantify Yeah. that? I think it was for the each of us. So 1,000 Yep. for Sergio, 1,000 for myself. Yeah. I think if it was combined, I think I mean, with the cost of living of everything that's happening now, I mean, combined to live off 1,000 might be a little bit Absolutely. tight. Absolutely. Yeah. Yeah. No. Not a problem at all. We can certainly factor that in for you. I also had additional goals here in retirement wanting to be completely debt free. So hoping to have the mortgage Yes. paid down by that time. Is that right? Yes. Yep.","start_word":9705,"end_word":9891,"sentiment":"neutral","sentiment_score":0.08062791449819656},{"text":"Beautiful.","start_word":9892,"end_word":9892,"sentiment":"positive","sentiment_score":0.5523853302001953},{"text":"And then I've also got down here insurances we've gone through. In the next five years, you'd love to have another property purchase. Is that still maybe a goal that you do have together? Or Yeah. Yeah. Yep. That's why I think also why we've reached out to you. Yeah. yeah.","start_word":9893,"end_word":9943,"sentiment":"neutral","sentiment_score":0.11690564453601836},{"text":"Perfect.","start_word":9944,"end_word":9944,"sentiment":"positive","sentiment_score":0.382332056760788},{"text":"Not a problem at all.","start_word":9945,"end_word":9949,"sentiment":"neutral","sentiment_score":0.312984436750412},{"text":"Excellent.","start_word":9950,"end_word":9950,"sentiment":"positive","sentiment_score":0.4943707585334778},{"text":"And, Sergio, the only other thing to sort of talk about insurance wise is that you can get other types of insurance cover. So things like trauma, which is paid out of your back pocket, but can pay out a lump sum tax free benefit in the event that you'll stay diagnosed with MS, Parkinson's, cancer, have a heart attack or a stroke. Did you wanna look at getting any additional trauma insurances, or you're happy with the life, the TBD, the income protection you have?","start_word":9951,"end_word":10036,"sentiment":"neutral","sentiment_score":0.0981559231877327},{"text":"I'm just happy with the one at the moment. I think you've got fantastic.","start_word":10037,"end_word":10050,"sentiment":"positive","sentiment_score":0.4878639280796051},{"text":"Not a problem at all.","start_word":10051,"end_word":10055,"sentiment":"neutral","sentiment_score":0.2592155933380127},{"text":"Excellent.","start_word":10056,"end_word":10056,"sentiment":"positive","sentiment_score":0.4259625375270843},{"text":"The other thing to sort of talk about is I had a note here that you both just so want wanted to ask more about additional investments and things like that. Feel free to go for it now. What can I help you with? What sort of questions did you have in relation to that that I can help you Just because I heard a lot of thing about, like, people using the super or the equity of the the house with? to buy Mhmm. another Property. Investment of property. Mhmm. And so I I just Yep. wanna know How can we go about that? All good. Sorry. The phone cut out. I do apologize. So you're sort of looking at ways to utilize your in order to buy property. Is that right? Oh, it's on the Speak. Hello, Jane. I'm sorry. Can you hear Hi. me? Yes. I I'm can. Yes. so sorry. I'm sorry. It tapped out because my daughter took my car, and the the the the Bluetooth jumped onto the car. I'm so sorry. I'm so No. sorry. Don't. It's honestly absolutely fine.","start_word":10057,"end_word":10243,"sentiment":"neutral","sentiment_score":-0.007073885377715616},{"text":"That's not a problem at all. Honestly, it's all good.","start_word":10244,"end_word":10253,"sentiment":"positive","sentiment_score":0.4771445393562317},{"text":"I just just to kind of recap the question that you both had. So Yes. you're looking at ways to be able to utilize your super to maybe buy property. Is that Yes. right? Like, an investment property. Is that right? Yeah. And, like, we Yeah. obviously, we wanted to know our options because, like, if it's going to kind of, you know, limit our so, like, we obviously wanna retire at 60, but if we were going to go and do this investment property, does it gonna is it gonna extend our retirement age to, you know, an additional Mhmm. ten years or an additional five years or whatever it may be or Yep. Absolutely. those kinds of folks. Yeah. Yeah. Yeah. Definitely. So, realistically, the only way that we did have to be able to use our super to buy an investment property was to have a self managed super fund. So in the super fund that you both have within hub twenty four, we're able to hold listed properties. So we can hold investments in property funds. In order to buy an actual house, we we used to have to have a self managed super fund, and we used to be able to get a loan within that super fund where the super fund would own the house. The rent would pay that down and our contributions, and then by our time, we would have to sell the property or find a way to have the income cover, you know, our living expenses. Mhmm. Unfortunately, as of the last week of June, Mhmm. and as of essentially seven days ago now, the government has changed the rules on self managed super funds. So we can no longer hold a loan within a a super fund to hold residential properties. So they don't let us do that anymore. The only way you could hold have property within a self managed super fund now is to buy a commercial property and get a loan for that or to have enough money to buy the property outright, which don't quite have at the moment.","start_word":10254,"end_word":10607,"sentiment":"neutral","sentiment_score":-0.025263675988393988},{"text":"No. So it means that, realistically, we can't use super to do that currently.","start_word":10608,"end_word":10621,"sentiment":"negative","sentiment_score":-0.4464811682701111},{"text":"Mhmm. There are other options where you could look at your borrowing capacity and speak to a mortgage broker to see whether you could buy an investment property and what sort of what your borrowing capacity might look like or how much you can borrow based on your expenses, I could Mhmm. certainly refer you through to a mortgage broker to do that. We don't do that because we don't have a credit license, so it's not something financial advisers do without a credit license. Uh-huh. But I can refer you through to some great mortgage brokers who can have a look at your borrowing capacity, have a look at your family circumstances and your expenditure, and see whether or not you're able to get a loan and what you might be able to borrow. They also take into account what kind of equity you have in your property as well, and what kind of rental income you might be able to receive from the possible property there as well. So No. there's a lot of things to take into an account there. When it comes to sort of holding a property, generally, we have a thirty year loan term on properties because it lowers the amount of of repayments we make, and it's easier for servicing. It does mean that with eighteen years to the age of 60, getting a new another property now means that you're extending your loan. So as Yeah. an example, you owe 560,000 on the property at the moment. If you then borrow, if you then release equity and draw another 100,000 off the property loan to put towards, you know, getting a new property and say you then had to borrow 500,000 on top of that, you would have three loans. Your main primary residence loan, which is essentially the $5.60 you have owing now, then you've also got an equity loan, which is that extra 100,000 sitting there, and then you've also got the investment loan as well, which is the extra 500,000 you've borrowed. All three of those loans would be reassessed at a thirty year loan term. So it means you can pay them down in that eighteen years if you've got extra cash and can, you know, Mhmm. pump money into it faster. But, realistically, most people then would end up with a mortgage into retirement, Yeah. whether it be all the loans or just the investment loan into which means that we would have to factor in the drawdowns from super to account for the loan aspect that you are still paying back as well. Does that make sense? Yeah. No. No. It does make sense. Yeah. Yeah. Oh, it's Yeah. a bit of a train. So yeah. No. I mean, it's definitely not something you can't do.","start_word":10622,"end_word":11091,"sentiment":"neutral","sentiment_score":0.09683973722635432},{"text":"I would be more than happy to put you in contact with a broker now to at least have a chat about your options. That's generally the way it works. But if you wanted to speak to a mortgage broker, there's no harm. There's no cost to yourself. It's completely free. They get paid by the lenders, the loans that they write.","start_word":11092,"end_word":11153,"sentiment":"positive","sentiment_score":0.4072847962379456},{"text":"And Yeah. if you don't have servicing capacity, then they'll let you know. But at least if they look at what you've got, what your servicing might be, or how much you can borrow, it kind of then gives you an idea as as to whether you wanna go the property route. The other side of it is if you're wanting to build wealth to kinda supplement super, we can also look at investments outside of super. Sorry. Mhmm. We can look at investment bonds or investment portfolios very similar to your super where you can be putting money into the into the share market and building wealth to supplement. And we can also look at salary sacrifice or making additional contributions to your super to Mhmm. provide a boost there so you can access super at the age of 60 and have hopefully more money invested. So there Yeah. are other ways that we can look to invest money. It doesn't have to be property. But at the same time, it's it's more just down to what your goals are, what's important to you, whether you wanna have a property. The other aspect is you might decide to hold off on property. But because you've got your daughter who's 21, if she's working and saving, she might wanna buy something down the track, and you guys might be able to join into the loan with Yeah. her and buy something jointly. And that might be, you know, something down the track to give you a little bit of a an investment side of things, but also get Yeah. her into the market as well. So there's Yep. those other options down the track for you as well that you can explore. Yeah. Yeah. Yeah.","start_word":11154,"end_word":11448,"sentiment":"neutral","sentiment_score":0.17846048736976364},{"text":"If we can make a if he can refer us to a mortgage broker, that'll be great.","start_word":11449,"end_word":11465,"sentiment":"positive","sentiment_score":0.4509791433811188},{"text":"Yeah. So, Yeah. you know, the those kinds of questions we have and he can give us or they can give us some some options, I guess. And, Yeah. you know, Absolutely. because, yes, They can my yeah. daughter Sorry. is 20 You're one. right. Yes.","start_word":11466,"end_word":11511,"sentiment":"neutral","sentiment_score":0.1611533910036087},{"text":"We would like Yeah.","start_word":11512,"end_word":11515,"sentiment":"positive","sentiment_score":0.3409673869609833},{"text":"for her to get her, you know, her put in the in the market. So Yeah. then I kind of give finding out those options Yep. too. And then that way she can also hear hear it too. Yeah.","start_word":11516,"end_word":11554,"sentiment":"neutral","sentiment_score":0.24694019556045532},{"text":"Yeah. Fantastic. And there's a a lot of people at the moment.","start_word":11555,"end_word":11566,"sentiment":"positive","sentiment_score":0.4428432881832123},{"text":"I've spoken to some clients where, you know, they might be buying a property with their child. It might be fifty fifty split or, you know, it could even be a sixty forty split child into smaller portion than the parents due to the servicing aspect. Mhmm.","start_word":11567,"end_word":11613,"sentiment":"neutral","sentiment_score":0.23318015038967133},{"text":"But it means that, you know, come the age of 60, if she's then got a really good income, she could buy your share of the property out, Yeah. which alleviates and, you know, bring gives you guys the capital back plus some additional growth depending on what she buys it for. Yep. And that could also help to supplement super down the track as well.","start_word":11614,"end_word":11679,"sentiment":"positive","sentiment_score":0.4091801345348358},{"text":"So there are those other aspects and differences different ways to assess it. We sort of look at I always look at a thirty year loan term, but the mortgage broker might be able to also look at, say, a twenty year loan term for you or a twenty five year loan term for you and show you what the mortgage or payments might be on that. Mhmm. And Yeah. then if you get pay rises in between that or if you decide not to keep the property longer, there's there's other things that can definitely change. So Mhmm. eighteen years is still a long time away. Yes. And if it means that you just work an extra five or six years, it might not be a bad thing. We might be able Come to on. be super enough to pay the the loans off. There's lots of different options out there, but I do think maybe just having that initial conversation with the mortgage broker might be worthwhile looking at what your options are, the servicing capacity. Maybe, yeah, when you join your daughter into the conversation and have a chat about what she might be able to bring to the table and how this could benefit her as well. Mhmm. And, yeah, just wanna see what what might be comfortable for the three of you or the two of you. Does that sound okay? Yeah. That's fine. Yeah. I'm sorry. It's a very broad answer. It's very No. hard That's to okay. kinda give you definite, but it's kinda giving you options, and it's not saying, no. You can't do this. It's just looking at other ways to sort of make it work for you because there's not a black and white scenario. Financial advice and finance in general can have gray areas, and sometimes Mhmm. sitting within those gray areas can be where you find the benefit or where you find something that works for you. Does that make sense? Yeah. No. That makes perfect sense. No. Yep.","start_word":11680,"end_word":12020,"sentiment":"neutral","sentiment_score":0.08488222874722873},{"text":"That's fine. Be beautiful.","start_word":12021,"end_word":12024,"sentiment":"positive","sentiment_score":0.5376924872398376},{"text":"The mortgage broker I'll refer you to is Brooke. The email we send is to you and her. So it's an introduction from myself to you and to her, and then she'll Mhmm. make contact to make a time to have a chat with you guys about the servicing, and Mhmm. look at your borrowing capacity and kinda go from there. Does that sound okay? Yeah. That's fine. Yeah. Do you have additional questions? Have I answered everything that you had, or did you have more questions that you wanted to bring up with me? No. I think you've answered Yeah. or you've referred us to, Yeah. you know, to get more Yeah. information. But no.","start_word":12025,"end_word":12140,"sentiment":"neutral","sentiment_score":0.0765680624814383},{"text":"Thank you so much.","start_word":12141,"end_word":12144,"sentiment":"positive","sentiment_score":0.3374192714691162},{"text":"That's okay. Yeah. We've had all our answers all our questions answered today.","start_word":12145,"end_word":12157,"sentiment":"neutral","sentiment_score":0.2994244396686554},{"text":"Fantastic.","start_word":12158,"end_word":12158,"sentiment":"positive","sentiment_score":0.6865030527114868},{"text":"The last thing I just wanted to do with the both of you is a quick risk profile questionnaire. So I'm just gonna go through a couple of questions just to sort of assess whether or not you're in the correct portfolios currently and whether we Yep. keep the risk level that you have got. The Mhmm. first one I have for each of you is just if you saw the markets fall by 20% over the next sort of one to two years, how do you think you might react individually? Do you think you'd consider K. it a buying opportunity, maybe put more money into the market? Are you wanting to maybe hold and wait and speak to us, or are you a bit concerned and maybe wanting to sell the investment to cash? How do you think you might react? So one to two years, you said? Yeah. One to two years, twenty but dropped by 20%. Yeah. Yeah? Yeah. I'd probably I wouldn't jump yet, but I'd start Mhmm. like, I'd be toying with the idea of maybe seeing if we can move the investments to other other companies. Yep. Yep. You'd you'd wanna sort of look at how to maneuver the investments Yes. to mitigate the risk of the market going up and down. Yep. And Yes. that would probably come with a conversation to us to see what we recommend you do and how we Yes. react in that instance. A Yep. 100%. Yep. Yes.","start_word":12159,"end_word":12409,"sentiment":"neutral","sentiment_score":0.022951968014240265},{"text":"Beautiful.","start_word":12410,"end_word":12410,"sentiment":"positive","sentiment_score":0.4275279641151428},{"text":"Sergio, how do you think he might react? Yep. How would you think? I think you'd be the same too. K. Yep. If Yep. it if it went if the market went up oh, sorry. The market went down by 20% and the share in one to two years. So what would How you do do? you think you might react? 100 Do you think percent. you'd be I'll buying just do in it as the a same. buying opportunity? He'd probably yeah. I reckon he'd probably contact same Yep. same as myself, contact you guys and say, hey. Is there a way of maybe maneuvering it to kind of compensate for it? Perfect. Yeah? Is that right? Yep. Yep. Perfect. The next question here is when you think about the risk level that you're taking now, Angela, when you think about risk out of a number between one and five, one five being the highest level of risk, one being the lowest, you're sitting about a three. So you're kind of mid range there. Sergio, you're probably sitting at more of a two. Sorry. It's not three. Sorry. Sergio, you're sitting at a four because five is the highest. I'm sorry. So, Sergio, you're in high growth, which is more of a four. Alright. And, Go ahead. Angela, you're sitting at more of a three, so you're a little bit lower risk. Do you both feel comfortable with where you're sitting there? You you're you know, with where you are. So, Sergio, you're taking on higher level of risk, you wanna get greater long term returns, but you also know that when the market hits a down point, that you'll feel those downtimes and that it can be magnified slightly more. Whereas Angela being more of a three out of a level of five means that you're sort of sitting in the middle. You're taking a little bit less risk in the market. You're still gonna feel the ups and downs, but not as great as someone in that high growth environment. Does that make sense? And do each of you have questions, and do you both feel comfortable with that level of risk that you're taking? Yes. Yes. So yeah. We're still we're still Yep. so comfortable with that risk. Yeah.","start_word":12411,"end_word":12793,"sentiment":"neutral","sentiment_score":0.016438408037428756},{"text":"Yep. Beautiful.","start_word":12794,"end_word":12795,"sentiment":"positive","sentiment_score":0.44356927275657654},{"text":"So to give you a bit of a breakdown on the different portfolios that you're both in. So, Sergio, you're in a high growth environment. So you've got about 90% in those growth investments. So think about Australian shares, international shares, listed property, and then commodities there. With the high growth environment, you expect an annual compounded return of around about eight to 10% on average. So anything over 10% means the portfolio has overperformed. Anything under 8% means it has underperformed. But it also means that you're expecting a negative year, Yeah. generally, about Excellent. one in every five years. And this sort of investment portfolio suits someone who has about eight years before they're accessing that their super there. Sergio, are you still comfortable in that kind of environment? Are you happy with that? Did you wanna keep that for another year? You've sort of scored in that environment and that sort of area, but just making sure that's where you're comfortable. No. I'm comfortable with that. Yep.","start_word":12796,"end_word":12965,"sentiment":"neutral","sentiment_score":0.04487581178545952},{"text":"Beautiful.","start_word":12966,"end_word":12966,"sentiment":"positive","sentiment_score":0.42467159032821655},{"text":"And, Angelo, in that growth environment, you sort of see about 80% in those growth assets. So, again, those Australian and international shares, property, and commodities like gold and silver. You're expecting around about a seven to 9% as an annual rate of return compounded. The likelihood of a negative return does occur sort of one in every five years as an expectation, and this sort of portfolio happily suits someone who's got about six years before accessing their super. So you are taking a bit less risk than where Sergio is, but, admittedly, your balance is also slightly higher than his. Are you happy in that environment? Are you happy with that growth area? Did you wanna that further? So, like, if so usually, would you if you have a higher balance, would you be more aggressive? Or because, like, I thought, well, I think what we thought was if one's aggressive, one's not, and then, you know, one's kind of, you know, in the middle balanced, Mhmm. Mhmm. then, you know, one we're taking the risk of one, you know, investing more.","start_word":12967,"end_word":13150,"sentiment":"neutral","sentiment_score":-0.005640233401209116},{"text":"But because I've got more of, like, higher balance, should I be the one that's more risky?","start_word":13151,"end_word":13167,"sentiment":"negative","sentiment_score":-0.33804112672805786},{"text":"Mhmm. So, realistically, Sergio is when you think about the risk level, is taking a greater level of risk.","start_word":13168,"end_word":13186,"sentiment":"neutral","sentiment_score":-0.28701144456863403},{"text":"He's got a smaller balance.","start_word":13187,"end_word":13191,"sentiment":"negative","sentiment_score":-0.3535443842411041},{"text":"Yeah. When you're when you have a higher balance, you can take a higher level of risk. It's not a problem there. It's more about your time horizon, how long you have before you're wanting to access those funds. Okay. So if you were, say, five years away from accessing your super, I'd be absolutely pulling you back and saying, you know, we need to, you know, not act not take so much risk now. Uh-huh. Realistically, with taking more risk in your super, you will feel that more. So if you if you both were in the high growth environment or even if you both saw a 5% dip, if you think about your balance as opposed to Sergio's balance, with a 190,000 super, you're gonna feel a 5% drop much greater than Sergio will. So it Mhmm. comes down to individual comfort levels. I mean, if you think about I work in this industry. So if my super got a 5% dip and I had 600 k in super, it wouldn't bother me because I wasn't touching the money. I know the market will come back, but it's more of an individual comfort level for each of Mhmm. you.","start_word":13192,"end_word":13392,"sentiment":"neutral","sentiment_score":-0.0988403931260109},{"text":"Theoretically, we wanna boost, yes, Sergio's balance up as much as possible moving forward as well so that when you both get to retirement, if you've got balances that are fairly even, then we can be drawing income fairly evenly.","start_word":13393,"end_word":13432,"sentiment":"positive","sentiment_score":0.3629116117954254},{"text":"Whereas if we get to retirement and your balance is higher than Sergio's, we'll probably take more from your super to supplement so we can Yeah. kind of keep them dropping on an even keel. Does that make sense? Yeah. Yeah. That's that's what we were thinking too. If Sergio can Yeah. Yeah. then at least come if he's more aggressive, then he can his balance can come up Yep. possibly Yep. that and it would be the same at retirement.","start_word":13433,"end_word":13513,"sentiment":"neutral","sentiment_score":0.11031851301222673},{"text":"That's that's the goal. Definitely.","start_word":13514,"end_word":13518,"sentiment":"positive","sentiment_score":0.48002323508262634},{"text":"Yeah. Yeah.","start_word":13519,"end_word":13520,"sentiment":"neutral","sentiment_score":0.30004292726516724},{"text":"The income does definitely come into it as well.","start_word":13521,"end_word":13529,"sentiment":"positive","sentiment_score":0.33486494421958923},{"text":"So because your income is technically higher, your Yeah. contributions are also higher there as well. Would either of you be comfortable looking at maybe salary sacrificing or adding more money into super to provide a greater boost to retirement income, or are you sort of hoping to look at the the property side first? What would you feel? It was an option. So I think we've considered it, but I think Sergio's work doesn't their their isn't salary sacrifice or salary packaging, I think. So that but then that that doesn't matter. You can kind of just make it so that you can discuss with with payroll and they can just put that money in, Mhmm. can't you? Like, it doesn't necessarily Yeah. yeah. Yeah. So Yeah. in the area that Sergio does work, they do have that salary packaging Things side of side things. of things. But most employers will also offer an option where they can increase contributions from your payroll into your super, and that's sort of more salary sacrificing. The alternative Yeah. is you can do it from your bank account. It doesn't have be done through your payroll. You can always do deductible contributions where you're putting money from your bank account into your super. And then at the end of the financial year, we claim a a notice of intent, and that can also provide a bit of a tax deduction for you as well. But doing it that way means you've just gotta be a little bit more comfortable putting the money in on a regular basis from your bank account. So it does Yeah. require a little bit more, you know, continue out continuity there, wanting to put that in from your bank account because it's very easy to dismiss one or two here and there and stop doing it. But it's also your comfort level. You can hold off and see where things are next year, and we can always look at it again in a year or two's time. It's more up to what your preference is for each of you. Yeah. Well, there's probably a lot of things to consider. But, yes, Yeah.","start_word":13530,"end_word":13894,"sentiment":"neutral","sentiment_score":0.13641886394726088},{"text":"thank you very much. Yeah. That's okay. We're happy just to hold off on the salary sacrificing and additional contributions for the time being.","start_word":13895,"end_word":13918,"sentiment":"positive","sentiment_score":0.4665165841579437},{"text":"Yeah. Just for the time being, but it's something that, Yep. like, we have discussed before. But Yep. yeah.","start_word":13919,"end_word":13937,"sentiment":"neutral","sentiment_score":0.15451237559318542},{"text":"Absolutely. Perfect.","start_word":13938,"end_word":13939,"sentiment":"positive","sentiment_score":0.6500411629676819},{"text":"Well, just to kind of recap, I'll send an email shortly just with the information around Mhmm. the the insurance side of things to each of you, what you have, but then a little bit of information around the different insurances to kinda give you both a bit of a a follow-up on the call that we've had. Mhmm. And then just with the advice aspect, I'll do a joint advice document just assessing the super and the in the portfolios that you're in to replace any underperforming investments and look at what we can do over the next five to ten years to sort of provide that booster. And then I'll also incorporate the estate planning, so just making sure beneficiaries are all paid to each of you in the event that something happens to each of you. Mhmm. And for yourself, Angela, I would just also include the income protection. So looking to increase income protection benefits for you. Does that sound accurate? Have I missed anything there at all? No. No. Thank No? you.","start_word":13940,"end_word":14116,"sentiment":"neutral","sentiment_score":0.124689944088459},{"text":"Fantastic.","start_word":14117,"end_word":14117,"sentiment":"positive","sentiment_score":0.4414757490158081},{"text":"Oh, an And I'll an get emoji. the email for this broker. Yeah. Yeah. Sorry. That's alright.","start_word":14118,"end_word":14134,"sentiment":"neutral","sentiment_score":0.1400821954011917},{"text":"Excellent.","start_word":14135,"end_word":14135,"sentiment":"positive","sentiment_score":0.5758918523788452},{"text":"Now the only other thing I need to do is just to book you in for a quick pre assessment with my admin team Yes. member. Is there a day or I know afternoons generally suit better for yourself. Is there a day that would prefer just to run through that? It only takes about sort of five to ten minutes. Yeah. So I can do either okay. Hang on. Hang on. When do you That's so okay. I can do any day after four Okay. Perfect. or three So, thirty, like yeah. Or 03:30 between 03:30, 04:00. absolutely. What if we make it nice and easy? Is it okay if I was to book that one in, per se, this Wednesday at 04:00 for you? Would that be at Happy all okay? Halloween Yeah.","start_word":14136,"end_word":14270,"sentiment":"neutral","sentiment_score":0.09809708860185412},{"text":"That's fine. You're Yep. Be fantastic.","start_word":14271,"end_word":14276,"sentiment":"positive","sentiment_score":0.5476345419883728},{"text":"Spanish. Yeah. I'll add a little text message reminder there for you. My admin team member, Samantha, will give you a call. She'll just run through the pre assessment and then send it to me so I can assess that as part of the advice document for you, Mhmm. and then we can get that all ready to go. Does sound okay with Yeah.","start_word":14277,"end_word":14340,"sentiment":"neutral","sentiment_score":0.22150683403015137},{"text":"That's fantastic. you?","start_word":14341,"end_word":14343,"sentiment":"positive","sentiment_score":0.6975749135017395},{"text":"And what I might also do is I might also just because you guys prefer an afternoon appointment, rebooking your advice presentation for a few weeks as well, just so we because afternoons do book up really quickly. So Mhmm. to make sure we get you both in, the next afternoon available I actually work, late on Thursday afternoons. Would maybe Thursday, September 10 suit either of you? Or It's on the September 10. Would that Yeah. suit Otherwise you for Instagram? otherwise, Yep. I Yeah. could do That's the week before. fine. Yep. Yep.","start_word":14344,"end_word":14438,"sentiment":"neutral","sentiment_score":0.06434201449155807},{"text":"Beautiful. Fantastic.","start_word":14439,"end_word":14440,"sentiment":"positive","sentiment_score":0.5914950370788574},{"text":"I can do so we can do sort of 04:30 like we did today, or I can make it 05:00 for you. What would be your preference? I think 05:00 would would be best. That way it gives Yeah. like, I mean, I finish a little bit earlier, but gives Sergio time to get home, I guess, Yep. and and then Yeah. we can, you know, do that.","start_word":14441,"end_word":14508,"sentiment":"neutral","sentiment_score":0.09055272489786148},{"text":"Fantastic.","start_word":14509,"end_word":14509,"sentiment":"positive","sentiment_score":0.602584719657898},{"text":"So I'll book that one in there for you for the September 10. That's at 5PM there.","start_word":14510,"end_word":14526,"sentiment":"neutral","sentiment_score":0.27000677585601807},{"text":"Easy done. That's all booked.","start_word":14527,"end_word":14531,"sentiment":"positive","sentiment_score":0.3800288438796997},{"text":"That way, you've Mhmm. got that time slot for the advice presentation. We'll go things through things together, and then you'll have some time to read it over there as well. In the meantime, I'll get those other aspects done, and that email will come out to the mortgage broker very shortly for you both. Okay?","start_word":14532,"end_word":14587,"sentiment":"neutral","sentiment_score":0.20152810215950012},{"text":"Excellent. Yeah. Thank you so Fantastic. much.","start_word":14588,"end_word":14594,"sentiment":"positive","sentiment_score":0.5994440317153931},{"text":"That's okay. Is there anything I may not have missed or any other questions that either of you had that you thought maybe I should that you wanted to ask me while you've got me here at all. I'm so sorry. We have gone through quite a lot already. That's okay. No. I can't think of anything else. But if I do, Nope. when I'll write it down, and then maybe I could Yep. we could talk about it on the the tenth if if need be. Absolutely. Yeah. Absolutely. I'll also send you that email so you'll have my email address so you can always reply back with Yeah. anything that you need. Or if you'd need another time, just let me know. Not a problem at all. Okay?","start_word":14595,"end_word":14724,"sentiment":"neutral","sentiment_score":0.06938365376912631},{"text":"Alright. The excellent.","start_word":14725,"end_word":14727,"sentiment":"positive","sentiment_score":0.5544450879096985},{"text":"The only other thing to let you know is that the the ongoing service agreement is in that annual review pack there for you. So you do both pay an ongoing service fee. It's 1.10% at the moment as you're a couple onboarded together. If I Mhmm. can just get you both to sign and return those back for us, that just allows us to continue providing our services and updating advice for you moving forward. Okay? Sure. What is that going to be via email? Is that the one that says signature required? That's that's the one the signature Okay. required. Yes. So you'll both have one in your emails. If you both Mhmm.","start_word":14728,"end_word":14842,"sentiment":"neutral","sentiment_score":0.1641780585050583},{"text":"can just pop in there and sign and return that back for me, that would be fabulous.","start_word":14843,"end_word":14859,"sentiment":"positive","sentiment_score":0.3496159613132477},{"text":"Okay.","start_word":14860,"end_word":14860,"sentiment":"neutral","sentiment_score":0.2641604542732239},{"text":"Alright. Fantastic. Fantastic. Thank you so much for your time. I really appreciate it. I and tell Sergio thank you. I hope you both have a lovely afternoon. Same to you. Thank you so much, Janeile. You take My care. pleasure.","start_word":14861,"end_word":14901,"sentiment":"positive","sentiment_score":0.6934326887130737},{"text":"Bye bye.","start_word":14902,"end_word":14903,"sentiment":"neutral","sentiment_score":0.3266071379184723},{"text":"Will do. Thanks, Angela. Talk soon.","start_word":14904,"end_word":14909,"sentiment":"positive","sentiment_score":0.45541930198669434},{"text":"See you later. Bye bye. Bye.","start_word":14910,"end_word":14915,"sentiment":"neutral","sentiment_score":0.2129436731338501}],"average":{"sentiment":"neutral","sentiment_score":0.08599897150591274}}}}