{"metadata":{"transaction_key":"deprecated","request_id":"e28cf282-5517-4298-82bf-4c922afd96f9","sha256":"f798d8f4a308f33fcbfda9313604d4e4addc4482776f5150790c320fdd885dbd","created":"2026-02-12T01:23:13.643Z","duration":1327.32,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":6224,"output_tokens":136},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6958,"output_tokens":6971},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6958,"output_tokens":460}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Trudy. This is Dana from OKIE Financial. How are you today? I'm very well. Thank you. I had you booked in to go through your annual review today. Is now still a good time there for you? Yep. Not a problem at all. Yeah. You're right. No. That's okay. You're fine. No. No. That's okay. I'll go through everything with you, and we'll email things through to you later on. That's okay. You're fine. Excellent. So, Trudy, just to let you know before we jump into the call, we do record our calls for quality and training purposes. You're happy to proceed with that? Yep. Beautiful. And just to do security there with you, we are discussing your personal information. So I'll just get you to confirm for me your full name, your date of birth, and address I should have on file. Yeah. Yep. Yes, please. Perfect. And your birthday is next week. Happy birthday for next week. Hopefully, you get the day off. Oh, they don't kinda hit the same anymore. Like, I'm an 84 baby as well, so I'm the same age as you. They just don't hit the same anymore. I prefer a day quiet when no one sort of talks to me and oh, wow. Yeah. Well, happy birthday. Yeah. No. That's okay. I know you did let me know you are quite time poor with this one, so I'll try to run through things as quickly as I can. I just wanna make sure we touch base on everything. I did do a bit of a look at things beforehand, and it looks like some definitely some advice I wanna try and update for you as well. So I'll just start by running through any changes to your circumstances there. So having a bit of a look, you're still at the same role working for RACQ then. You're looking after the roadside assistance side of things as a manager. Is that right? Yes. Okay. Okay. Perfect. Yeah. Okay. Yep. Yeah. Perfect. Well, congratulations. Did that come with a pay rise at all? Yeah. Perfect. How much yeah. How much even now? 180,000. It doesn't tell me it's before or after. It just says a 180,000 total, so I'm assuming it's included. Yeah. Yep. That's okay. So either two 10 yeah. Perfect. And super on top of that? Inclusive. Perfect. Inclusive. Excellent. Not a problem at all. Thank you for that, and congratulations. I'm glad you got a pay rise to go with it. It sounds like you're extremely busy, so well deserved. How's everything going expenditure wise? Are you managing to put money away at the moment, or is everything going towards the cost of living? Yep. Fantastic. Congratulations on that one. It's all happening. This is the year. Absolutely. Yep. Yes. Yeah. Perfect. Yep. Yep. Yep. Oh, wow. Yep. Okay. Yeah. No. That is fantastic. And family help is one if if it helps you get into the market and stops you from paying rent, that's a benefit. You know? I I sort of look at my kids who are 19 and 20. I don't know how they're gonna be able to afford a house without my help, So it's definitely on the cards moving forward for a lot of people. Yeah. Perfect. So we've got rid of the car loan, which is fantastic. Cars I had valued at about 65,000. Would you value them about the same? Yep. Perfect. Yeah. That's okay. Excellent. And with the house that you just purchased there as well, what sort of value or how much did you end up purchasing that for? Yep. Perfect. Excellent. And loan is about fairly similar minus that 30 odd thousand. Yep. 30,000. Perfect. And I've put down here you have the credit card. I believe we had the limit as about 20,000. Do you still have the credit card for the same limit? Yep. Okay. Perfect. So 13 combined and 8,000. Excellent. And contents, we had a value sorry. You're at It doesn't say. It just says credit cards, plural, and then it has a total of 20,000 there. So I wasn't really sure. Yeah. Yep. Yep. Yeah. Perfect. Yeah. That's it. Yep. Yep. Yeah. Perfect. How much do you have total to pay off all the credit cards? Don't wanna know. That's okay. No. That's that's absolutely fine, honestly. I also had your contents noted. Total value of contents estimated 80,000. Would you keep that about the same or yep. Perfect. Do you have any other assets that you wanna note down? Anything else that value shares, cryptocurrency collections? No. Easy. Perfect. Now I've also got down to the estate planning side of things. So when we sort of caught up last time, you hadn't drawn up a will. Have you guys talked about drawing up a will now that you have your home? No. That's okay. Yes. Perfect. So what I we don't do the will for you. However, we can refer you through to a solicitor. So if you like after the call, I can get my team to email you just some details of the the sort of we use, and a bit of a costing to start the conversation how much it might cost it up or will. Yeah. Perfect. Yeah. No. That's okay. I'll send that email through. If you decide you want us to help you out with the referral, absolutely fine. But it's great to start the conversation, and it gives you an idea of what the cost might look like as well so you can make sure it's within your budget. Yeah. Excellent. And with your beneficiaries on, obviously, your MetLife and your super policy, you have it noted down here, 50% to go to Angus if anything happens to you. And then I've got 25% to each of your children, Hunter and Isabella. With the kids, are they both minors? Okay. So just so you're fully aware, if in the event of you passing with the beneficiaries, the way they are set up, Angus does get his portion completely tax free. With Hunter sorry. Hunter was the one that was 22 years of age. Yeah. So with Hunter's portion, because he is over he's technically non not a tax dependent. He is still able to be a beneficiary. But on the taxable component of what he receives, he's actually required to pay tax on that amount. It's marginal tax rate plus the Medicare levy, so it can be quite, yeah, significant. It's because he's a nontax dependent. So anyone who is a nontax dependent on inheritance received does have to pay tax. But Isabella, because she is a minor, she receives her benefit tax free. And with Isabella's benefit, she actually doesn't receive that total. She won't receive the money. It will go to either Angus or a trust or however that's structured up, but 25% is held for her. Would you like me to because I've sort of yeah. Did because I've sort of readjusted and I've had a look at everything, and there is some advice to provide moving forward. Did you want me to account for the estate planning side of the things? And I can recommend how to note those beneficiaries so that everyone gets it to the best, you know, the best tax advantage. Yep. Perfect. So for Hunter, absolutely. I would I would be trying to have his portion sent through to your will and then have your will separated. So on in the event of anything happening, your life and super goes to there for his portion, and then he gets that directed out while there are still taxes to be consumed. Yeah. While there are still taxes, you it gets sort of looked after by your estate within the trust, and he doesn't have to pay the Medicare levy side of that. So it does alleviate some of that pressure on him. And with Isabelle, the same thing. If you want her to have that money, having her nominated inside super means that it gets paid to either a trust or to Angus to cover. However, if you have that directed into the trust, you can set up inside your trust, the testamentary trust where any money for her gets set up. He can be, you know, set up as the executor of that trust and making sure that you can direct money to her so it lasts longer for her, if that makes sense. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. Absolutely. I will account for that in the advice update for you. It's not a problem at all. Perfect. Excellent. And you've got the same benefits used on your super. I'll account for that as well, making sure everything is directed how you want it to be, but in the most tax advantage way for everybody. Okay? Perfect. Excellent. Now having a look at your there as well, at the moment, given you you got your balance there, which is up to 319,800 and 43, I did go through and have a look at how everything is invested. Most of your investments have been performing quite well. The only yeah. As a whole, over the total of the year, your earnings are over 20 5,800 dollars. So your portfolio has worked. That's the growth in the income. So it gives you about a 6.89% return there after fees. Yeah. The only thing I've sort of noticed I'm looking at here is inside your portfolio, you have the Benelon Australian Equities portion. Unfortunately, late last year, Benelon had a bit of an issue with one of their underlying investments, the corporate traveler. With what's happened with them, they've had to reevaluate that. There was a bit of a trading halt with Benelon and corporate travel, which sort of meant that Bennelong have had to reevaluate that part quarter portion, sorry, of their investments. And Amenta analysts have now also gone back and reevaluated Bennelong as an investment. So that part of your portfolio is actually down pretty heavily by that 19 percent. It is holding your returns back for the year. What I would like to do is go back to the drawing board. I've got a few options. I wanna remove Benelon out of there for you as it is underperforming and maybe replace it with something else. Are you comfortable with that? No. That's all of us. So we do all the management. Yeah. Yeah. So Hub 20 four is, like, the vehicle to hold the investments, and then we do all the management of the investments there. Yeah. Yeah. No. Absolutely. Yeah. Well, we actually can't do that straight straight up, and that's why we have to go through the review with you. So because when you came on board, you were recommended those those investments as a whole, we have to kind of keep them until we talk to you and get approval to to update things. But if you're open to moving you're right. Sorry. Yeah. Yeah. Yep. That's correct. Yes. So what happens is when money goes into Hub twenty four, we have a direction inside Hub twenty four, which tells them how we want the money invested on a regular basis. So when money goes in, when they do their cash changes, they invest the money as per our instructions, but we built the portfolio and we manage it for you. If you're open to depending on sort of what you wanna see, if you're happy looking at your investments the way they are structured, that's absolutely fine. I do wanna remove Ben along, though. But if you're also open to and you're happy for us to maybe have more control around the investment and what's happening in the market there is that we have set up our own SMA, which is the separately managed account. If you are open to if you went into that SMA product, inside your hub 24, all you would see is your balance and that you're in this SMA. Inside that SMA, we then have anywhere between 20 to 50 different investment options, and we've built that along with utilizing BlackRock, which is one of Australia's largest investment firms, and they've helped us to build that. We have a lot of control there, but being inside this estimate essentially gives us control over maneuvering and making changes to your portfolio. Yes. So, like, if something happened like that again, like what's happened with Bannalong, then we can remove that quickly, put something else in there. We don't have to call you and talk to you about it, but it it essentially gives us more control to make changes to the underlying investments depending on market structures. Did you want me to look at something like that for you, or did you wanna see where your money's invested and see a bit more clarity there? No. Yeah. Absolutely. Yeah. So even after the banner long had the issues, you're still up over six percent, and it's giving you earnings of 25,000. So, look, it hasn't made a huge impact, but the impact is still definitely there. Yeah. Yeah. Yeah. So the portfolio you're in at the moment is, you're in a growth portfolio. So with the way you would expect, the average returns you'd sort of hope or expect to get on a regular basis is between 79%. So having six point eight nine, you are slightly underperforming for the year, which is being pulled down by that Benelon investment. Yeah. Yeah. Yeah. Yeah. Yeah. So you you yeah. No. That's perfect. So you would like to be able to see you want visibility over where your funds are invested. You wanna know when there's something we have to move out, but you wanna be involved in that. Yep. Yeah. No. That's absolutely okay. So with where we're sort of looking at things, the estimate doesn't sound like it's gonna be the right fit for you at the moment, but I can absolutely pull out the Benelon. I'll put something else in its place. What I'll do is I'll update the advice document to reflect what we're gonna put in there. I'll explain it, and we'll go through it together, and then you can tell me whether you're comfortable proceeding with that. Does that sound okay? Yeah. Beautiful. The yeah. Yeah. Yeah. Yeah. Yeah. That's it. Yep. Correct. Yeah. No. That's perfect. Absolutely. And, look, if you guys ever want information like that, email me. Once I've emailed you the details on on the solicitor, you'll have my email address. You're welcome to email me and ask me random questions about your investments, about the market as a whole, about anything you like, and I'll come back and help you to educate you. It's not a problem at all. Yeah. Excellent. The other thing I am looking at in here is you do have some bank hybrids. This is a great defensive investment. We use it in our portfolios as cash producing. However, moving forward, the government is phasing out bank hybrids. So because we are looking at moving then along and making that change, then now it might also be worth making a change and maybe changing the bank hybrids into something else defensive. That way, you don't have to make this change down the track. Are you comfortable with me assessing that for you as well? Yeah. Beautiful. Excellent. And we're working towards your goal of being able to retire. I had around about sort of 60 to 65. Is that still your goal retirement age? Yeah. Six yep. Perfect. What I'll do is I'll work on 60, and then if any it kinda gives you the idea of where we're tracking for, and then you always get the option to, you know, keep working if you want to. You don't have to. With the old advice documents, we used to kinda project out all the way to 60. Nowadays, because everything's changing with the legislation requirements around our job, we only project out by ten years because there's too many factors beyond that. So I'll show you the effect over the next ten years, and we can kinda go from there for you. Is that okay? Beautiful. With the insurances you do have there at the moment as well, you've got your life and TPD with MetLife there. Account sum insured is a bit over 1,000,000, so a million and 75,250. Are you still comfortable with those levels of cover? Are you still happy with how much that would pay out? Yep. Perfect. And we've also got your employer pay policy retained there as well, which does give you three months worth of salary plus cover as a benefit. You got a bit of trauma there as well, so three times the monthly benefit in that and some salary continuance to pay 75,000 of your salary up to 12,000 per month as a cap, which is a good employer paid policy. The benefit is they pay for it, you don't, so that's always a win. Beautiful. So happy to retain the insurances as they are at the moment. You're not looking for anything additional there? Nope. Perfect. Perfect. Well, that's basically everything I need to run through at the moment. So what I'll do is I'll send a bit of a recap email afterwards just going through the things that we spoke about today. I'm just recapping where I'm gonna touch on the advice for you. If you have any questions or wanna alter anything, let me know. I'll also send out to you the email introduction details to this list so that I can start that conversation there for you. And if there's anything else we may have missed or anything else you want me to touch on, let me know. I'll always make time to come back and we can revisit. It'll just take me a couple of weeks to put some advice together for you just to update into the research around the investments. But once that's ready, we'll come back. We'll look at it together. It'll have the recommendations, the advantages, disadvantages, and the risks involved, and then you get to decide whether you take all, some, or none of it. Is that okay? Yep. Perfect. Excellent. I'm also gonna get the team just to send out the annual review documents to you, which will have a copy of everything we've gone through just so you can run your eyes over it. It looks like you've already signed the ongoing service agreement for the year, and that's just letting you know that you do pay the 1.65% per annum. As an ongoing client, you're entitled to update end of advice at no additional charge, and we're here to make sure we're working harder towards your goals. That make sense? Yeah. The team will also just have the financial services guide attached there. Feel free to flick through. It has all my details, my licensing information. I'm registered through Aviso and a bit of detail and a lovely photo with of me so you can see what I look like. Okay. Excellent. Is there anything else I can help you with? Anything else you wanted to chat about today or that's it? No? Perfect. Well, enjoy your day, Trudy. I hope you have an amazing birthday next week, and I'll talk to you very soon. Thank you. See you later. 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Trudy. This is Dana from OKIE Financial. How are you today? I'm very well. Thank you.\n\nI had you booked in to go through your annual review today. Is now still a good time there for you? Yep. Not a problem at all. Yeah.\n\nYou're right. No. That's okay. You're fine. No.\n\nNo. That's okay. I'll go through everything with you, and we'll email things through to you later on. That's okay. You're fine.\n\nExcellent. So, Trudy, just to let you know before we jump into the call, we do record our calls for quality and training purposes. You're happy to proceed with that? Yep. Beautiful.\n\nAnd just to do security there with you, we are discussing your personal information. So I'll just get you to confirm for me your full name, your date of birth, and address I should have on file. Yeah. Yep. Yes, please.\n\nPerfect. And your birthday is next week. Happy birthday for next week. Hopefully, you get the day off. Oh, they don't kinda hit the same anymore.\n\nLike, I'm an 84 baby as well, so I'm the same age as you. They just don't hit the same anymore. I prefer a day quiet when no one sort of talks to me and oh, wow. Yeah. Well, happy birthday.\n\nYeah. No. That's okay. I know you did let me know you are quite time poor with this one, so I'll try to run through things as quickly as I can. I just wanna make sure we touch base on everything.\n\nI did do a bit of a look at things beforehand, and it looks like some definitely some advice I wanna try and update for you as well. So I'll just start by running through any changes to your circumstances there. So having a bit of a look, you're still at the same role working for RACQ then. You're looking after the roadside assistance side of things as a manager. Is that right?\n\nYes. Okay. Okay. Perfect. Yeah.\n\nOkay. Yep. Yeah. Perfect. Well, congratulations.\n\nDid that come with a pay rise at all? Yeah. Perfect. How much yeah. How much even now?\n\n180,000. It doesn't tell me it's before or after. It just says a 180,000 total, so I'm assuming it's included. Yeah. Yep.\n\nThat's okay. So either two 10 yeah. Perfect. And super on top of that? Inclusive.\n\nPerfect. Inclusive. Excellent. Not a problem at all. Thank you for that, and congratulations.\n\nI'm glad you got a pay rise to go with it. It sounds like you're extremely busy, so well deserved. How's everything going expenditure wise? Are you managing to put money away at the moment, or is everything going towards the cost of living? Yep.\n\nFantastic. Congratulations on that one. It's all happening. This is the year. Absolutely.\n\nYep. Yes. Yeah. Perfect. Yep.\n\nYep. Yep. Oh, wow. Yep. Okay.\n\nYeah. No. That is fantastic. And family help is one if if it helps you get into the market and stops you from paying rent, that's a benefit. You know?\n\nI I sort of look at my kids who are 19 and 20. I don't know how they're gonna be able to afford a house without my help, So it's definitely on the cards moving forward for a lot of people. Yeah. Perfect. So we've got rid of the car loan, which is fantastic.\n\nCars I had valued at about 65,000. Would you value them about the same? Yep. Perfect. Yeah.\n\nThat's okay. Excellent. And with the house that you just purchased there as well, what sort of value or how much did you end up purchasing that for? Yep. Perfect.\n\nExcellent. And loan is about fairly similar minus that 30 odd thousand. Yep. 30,000. Perfect.\n\nAnd I've put down here you have the credit card. I believe we had the limit as about 20,000. Do you still have the credit card for the same limit? Yep. Okay.\n\nPerfect. So 13 combined and 8,000. Excellent. And contents, we had a value sorry. You're at It doesn't say.\n\nIt just says credit cards, plural, and then it has a total of 20,000 there. So I wasn't really sure. Yeah. Yep. Yep.\n\nYeah. Perfect. Yeah. That's it. Yep.\n\nYep. Yeah. Perfect. How much do you have total to pay off all the credit cards? Don't wanna know.\n\nThat's okay. No. That's that's absolutely fine, honestly. I also had your contents noted. Total value of contents estimated 80,000.\n\nWould you keep that about the same or yep. Perfect. Do you have any other assets that you wanna note down? Anything else that value shares, cryptocurrency collections? No.\n\nEasy. Perfect. Now I've also got down to the estate planning side of things. So when we sort of caught up last time, you hadn't drawn up a will. Have you guys talked about drawing up a will now that you have your home?\n\nNo. That's okay. Yes. Perfect. So what I we don't do the will for you.\n\nHowever, we can refer you through to a solicitor. So if you like after the call, I can get my team to email you just some details of the the sort of we use, and a bit of a costing to start the conversation how much it might cost it up or will. Yeah. Perfect. Yeah.\n\nNo. That's okay. I'll send that email through. If you decide you want us to help you out with the referral, absolutely fine. But it's great to start the conversation, and it gives you an idea of what the cost might look like as well so you can make sure it's within your budget.\n\nYeah. Excellent. And with your beneficiaries on, obviously, your MetLife and your super policy, you have it noted down here, 50% to go to Angus if anything happens to you. And then I've got 25% to each of your children, Hunter and Isabella. With the kids, are they both minors?\n\nOkay. So just so you're fully aware, if in the event of you passing with the beneficiaries, the way they are set up, Angus does get his portion completely tax free. With Hunter sorry. Hunter was the one that was 22 years of age. Yeah.\n\nSo with Hunter's portion, because he is over he's technically non not a tax dependent. He is still able to be a beneficiary. But on the taxable component of what he receives, he's actually required to pay tax on that amount. It's marginal tax rate plus the Medicare levy, so it can be quite, yeah, significant. It's because he's a nontax dependent.\n\nSo anyone who is a nontax dependent on inheritance received does have to pay tax. But Isabella, because she is a minor, she receives her benefit tax free. And with Isabella's benefit, she actually doesn't receive that total. She won't receive the money. It will go to either Angus or a trust or however that's structured up, but 25% is held for her.\n\nWould you like me to because I've sort of yeah. Did because I've sort of readjusted and I've had a look at everything, and there is some advice to provide moving forward. Did you want me to account for the estate planning side of the things? And I can recommend how to note those beneficiaries so that everyone gets it to the best, you know, the best tax advantage. Yep.\n\nPerfect. So for Hunter, absolutely. I would I would be trying to have his portion sent through to your will and then have your will separated. So on in the event of anything happening, your life and super goes to there for his portion, and then he gets that directed out while there are still taxes to be consumed. Yeah.\n\nWhile there are still taxes, you it gets sort of looked after by your estate within the trust, and he doesn't have to pay the Medicare levy side of that. So it does alleviate some of that pressure on him. And with Isabelle, the same thing. If you want her to have that money, having her nominated inside super means that it gets paid to either a trust or to Angus to cover. However, if you have that directed into the trust, you can set up inside your trust, the testamentary trust where any money for her gets set up.\n\nHe can be, you know, set up as the executor of that trust and making sure that you can direct money to her so it lasts longer for her, if that makes sense. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Absolutely. Absolutely. I will account for that in the advice update for you. It's not a problem at all.\n\nPerfect. Excellent. And you've got the same benefits used on your super. I'll account for that as well, making sure everything is directed how you want it to be, but in the most tax advantage way for everybody. Okay?\n\nPerfect. Excellent. Now having a look at your there as well, at the moment, given you you got your balance there, which is up to 319,800 and 43, I did go through and have a look at how everything is invested. Most of your investments have been performing quite well. The only yeah.\n\nAs a whole, over the total of the year, your earnings are over 20 5,800 dollars. So your portfolio has worked. That's the growth in the income. So it gives you about a 6.89% return there after fees. Yeah.\n\nThe only thing I've sort of noticed I'm looking at here is inside your portfolio, you have the Benelon Australian Equities portion. Unfortunately, late last year, Benelon had a bit of an issue with one of their underlying investments, the corporate traveler. With what's happened with them, they've had to reevaluate that. There was a bit of a trading halt with Benelon and corporate travel, which sort of meant that Bennelong have had to reevaluate that part quarter portion, sorry, of their investments. And Amenta analysts have now also gone back and reevaluated Bennelong as an investment.\n\nSo that part of your portfolio is actually down pretty heavily by that 19 percent. It is holding your returns back for the year. What I would like to do is go back to the drawing board. I've got a few options. I wanna remove Benelon out of there for you as it is underperforming and maybe replace it with something else.\n\nAre you comfortable with that? No. That's all of us. So we do all the management. Yeah.\n\nYeah. So Hub 20 four is, like, the vehicle to hold the investments, and then we do all the management of the investments there. Yeah. Yeah. No.\n\nAbsolutely. Yeah. Well, we actually can't do that straight straight up, and that's why we have to go through the review with you. So because when you came on board, you were recommended those those investments as a whole, we have to kind of keep them until we talk to you and get approval to to update things. But if you're open to moving you're right.\n\nSorry. Yeah. Yeah. Yep. That's correct.\n\nYes. So what happens is when money goes into Hub twenty four, we have a direction inside Hub twenty four, which tells them how we want the money invested on a regular basis. So when money goes in, when they do their cash changes, they invest the money as per our instructions, but we built the portfolio and we manage it for you. If you're open to depending on sort of what you wanna see, if you're happy looking at your investments the way they are structured, that's absolutely fine. I do wanna remove Ben along, though.\n\nBut if you're also open to and you're happy for us to maybe have more control around the investment and what's happening in the market there is that we have set up our own SMA, which is the separately managed account. If you are open to if you went into that SMA product, inside your hub 24, all you would see is your balance and that you're in this SMA. Inside that SMA, we then have anywhere between 20 to 50 different investment options, and we've built that along with utilizing BlackRock, which is one of Australia's largest investment firms, and they've helped us to build that. We have a lot of control there, but being inside this estimate essentially gives us control over maneuvering and making changes to your portfolio. Yes.\n\nSo, like, if something happened like that again, like what's happened with Bannalong, then we can remove that quickly, put something else in there. We don't have to call you and talk to you about it, but it it essentially gives us more control to make changes to the underlying investments depending on market structures. Did you want me to look at something like that for you, or did you wanna see where your money's invested and see a bit more clarity there? No. Yeah.\n\nAbsolutely. Yeah. So even after the banner long had the issues, you're still up over six percent, and it's giving you earnings of 25,000. So, look, it hasn't made a huge impact, but the impact is still definitely there. Yeah.\n\nYeah. Yeah. So the portfolio you're in at the moment is, you're in a growth portfolio. So with the way you would expect, the average returns you'd sort of hope or expect to get on a regular basis is between 79%. So having six point eight nine, you are slightly underperforming for the year, which is being pulled down by that Benelon investment.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nSo you you yeah. No. That's perfect. So you would like to be able to see you want visibility over where your funds are invested. You wanna know when there's something we have to move out, but you wanna be involved in that.\n\nYep. Yeah. No. That's absolutely okay. So with where we're sort of looking at things, the estimate doesn't sound like it's gonna be the right fit for you at the moment, but I can absolutely pull out the Benelon.\n\nI'll put something else in its place. What I'll do is I'll update the advice document to reflect what we're gonna put in there. I'll explain it, and we'll go through it together, and then you can tell me whether you're comfortable proceeding with that. Does that sound okay? Yeah.\n\nBeautiful. The yeah. Yeah. Yeah. Yeah.\n\nYeah. That's it. Yep. Correct. Yeah.\n\nNo. That's perfect. Absolutely. And, look, if you guys ever want information like that, email me. Once I've emailed you the details on on the solicitor, you'll have my email address.\n\nYou're welcome to email me and ask me random questions about your investments, about the market as a whole, about anything you like, and I'll come back and help you to educate you. It's not a problem at all. Yeah. Excellent. The other thing I am looking at in here is you do have some bank hybrids.\n\nThis is a great defensive investment. We use it in our portfolios as cash producing. However, moving forward, the government is phasing out bank hybrids. So because we are looking at moving then along and making that change, then now it might also be worth making a change and maybe changing the bank hybrids into something else defensive. That way, you don't have to make this change down the track.\n\nAre you comfortable with me assessing that for you as well? Yeah. Beautiful. Excellent. And we're working towards your goal of being able to retire.\n\nI had around about sort of 60 to 65. Is that still your goal retirement age? Yeah. Six yep. Perfect.\n\nWhat I'll do is I'll work on 60, and then if any it kinda gives you the idea of where we're tracking for, and then you always get the option to, you know, keep working if you want to. You don't have to. With the old advice documents, we used to kinda project out all the way to 60. Nowadays, because everything's changing with the legislation requirements around our job, we only project out by ten years because there's too many factors beyond that. So I'll show you the effect over the next ten years, and we can kinda go from there for you.\n\nIs that okay? Beautiful. With the insurances you do have there at the moment as well, you've got your life and TPD with MetLife there. Account sum insured is a bit over 1,000,000, so a million and 75,250. Are you still comfortable with those levels of cover?\n\nAre you still happy with how much that would pay out? Yep. Perfect. And we've also got your employer pay policy retained there as well, which does give you three months worth of salary plus cover as a benefit. You got a bit of trauma there as well, so three times the monthly benefit in that and some salary continuance to pay 75,000 of your salary up to 12,000 per month as a cap, which is a good employer paid policy.\n\nThe benefit is they pay for it, you don't, so that's always a win. Beautiful. So happy to retain the insurances as they are at the moment. You're not looking for anything additional there? Nope.\n\nPerfect. Perfect. Well, that's basically everything I need to run through at the moment. So what I'll do is I'll send a bit of a recap email afterwards just going through the things that we spoke about today. I'm just recapping where I'm gonna touch on the advice for you.\n\nIf you have any questions or wanna alter anything, let me know. I'll also send out to you the email introduction details to this list so that I can start that conversation there for you. And if there's anything else we may have missed or anything else you want me to touch on, let me know. I'll always make time to come back and we can revisit. It'll just take me a couple of weeks to put some advice together for you just to update into the research around the investments.\n\nBut once that's ready, we'll come back. We'll look at it together. It'll have the recommendations, the advantages, disadvantages, and the risks involved, and then you get to decide whether you take all, some, or none of it. Is that okay? Yep.\n\nPerfect. Excellent. I'm also gonna get the team just to send out the annual review documents to you, which will have a copy of everything we've gone through just so you can run your eyes over it. It looks like you've already signed the ongoing service agreement for the year, and that's just letting you know that you do pay the 1.65% per annum. As an ongoing client, you're entitled to update end of advice at no additional charge, and we're here to make sure we're working harder towards your goals.\n\nThat make sense? Yeah. The team will also just have the financial services guide attached there. Feel free to flick through. It has all my details, my licensing information.\n\nI'm registered through Aviso and a bit of detail and a lovely photo with of me so you can see what I look like. Okay. Excellent. Is there anything else I can help you with? Anything else you wanted to chat about today or that's it?\n\nNo? Perfect. Well, enjoy your day, Trudy. I hope you have an amazing birthday next week, and I'll talk to you very soon. Thank you.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Trudy.","start":3.6,"end":4.16,"sentiment":"neutral","sentiment_score":0.15269023925065994},{"text":"This is Dana from OKIE Financial.","start":4.16,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.158467764655749},{"text":"How are you today?","start":5.8399997,"end":6.74,"sentiment":"neutral","sentiment_score":0.21535826101899147},{"text":"I'm very well.","start":8.639999,"end":9.28,"sentiment":"positive","sentiment_score":0.5843497514724731},{"text":"Thank you.","start":9.28,"end":9.679999,"sentiment":"positive","sentiment_score":0.6318168342113495}],"sentiment":"neutral","sentiment_score":0.30201782549128814,"num_words":17,"start":3.6,"end":9.679999},{"sentences":[{"text":"I had you booked in to go through your annual review today.","start":9.679999,"end":12.0,"sentiment":"neutral","sentiment_score":0.3187164030969143},{"text":"Is now still a good time there for you?","start":12.0,"end":14.099999,"sentiment":"neutral","sentiment_score":0.2526339292526245},{"text":"Yep.","start":16.025,"end":16.525,"sentiment":"neutral","sentiment_score":0.09837742149829865},{"text":"Not a problem at all.","start":18.825,"end":20.205,"sentiment":"neutral","sentiment_score":0.09372061938047409},{"text":"Yeah.","start":23.545,"end":23.785,"sentiment":"neutral","sentiment_score":0.07118214666843414}],"sentiment":"neutral","sentiment_score":0.24058803091091768,"num_words":28,"start":9.679999,"end":23.785},{"sentences":[{"text":"You're right.","start":23.785,"end":24.605,"sentiment":"neutral","sentiment_score":0.0895383208990097},{"text":"No.","start":60.550003,"end":60.79,"sentiment":"neutral","sentiment_score":-0.005228888243436813},{"text":"That's okay.","start":60.79,"end":61.43,"sentiment":"neutral","sentiment_score":0.04817039147019386},{"text":"You're fine.","start":61.43,"end":62.170002,"sentiment":"neutral","sentiment_score":0.06860450282692909},{"text":"No.","start":63.375,"end":63.615,"sentiment":"neutral","sentiment_score":-0.02803121507167816}],"sentiment":"neutral","sentiment_score":0.04742079088464379,"num_words":8,"start":23.785,"end":63.615},{"sentences":[{"text":"No.","start":63.615,"end":63.855,"sentiment":"neutral","sentiment_score":-0.02156318351626396},{"text":"That's okay.","start":63.855,"end":64.335,"sentiment":"neutral","sentiment_score":0.010648179799318314},{"text":"I'll go through everything with you, and we'll email things through to you later on.","start":64.335,"end":67.535,"sentiment":"neutral","sentiment_score":0.05179724842309952},{"text":"That's okay.","start":67.535,"end":68.335,"sentiment":"neutral","sentiment_score":0.20078416168689728},{"text":"You're fine.","start":68.335,"end":69.155,"sentiment":"neutral","sentiment_score":0.19299274310469627}],"sentiment":"neutral","sentiment_score":0.07110207781872967,"num_words":22,"start":63.615,"end":69.155},{"sentences":[{"text":"Excellent.","start":72.735,"end":73.235,"sentiment":"positive","sentiment_score":0.5058870315551758},{"text":"So, Trudy, just to let you know before we jump into the call, we do record our calls for quality and training purposes.","start":73.375,"end":78.01,"sentiment":"neutral","sentiment_score":0.22824497780074243},{"text":"You're happy to proceed with that?","start":78.01,"end":79.630005,"sentiment":"neutral","sentiment_score":0.2584983929991722},{"text":"Yep.","start":80.41,"end":80.89,"sentiment":"neutral","sentiment_score":0.25822368264198303},{"text":"Beautiful.","start":80.89,"end":81.39,"sentiment":"positive","sentiment_score":0.48425567150115967}],"sentiment":"neutral","sentiment_score":0.25153097603470087,"num_words":32,"start":72.735,"end":81.39},{"sentences":[{"text":"And just to do security there with you, we are discussing your personal information.","start":81.53,"end":84.81,"sentiment":"neutral","sentiment_score":0.16188545205763408},{"text":"So I'll just get you to confirm for me your full name, your date of birth, and address I should have on file.","start":84.81,"end":89.23,"sentiment":"neutral","sentiment_score":0.1392700131172719},{"text":"Yeah.","start":92.84499,"end":93.34499,"sentiment":"neutral","sentiment_score":0.04598543047904968},{"text":"Yep.","start":96.045,"end":96.545,"sentiment":"neutral","sentiment_score":0.03270212188363075},{"text":"Yes, please.","start":98.445,"end":99.185,"sentiment":"neutral","sentiment_score":0.0333608603104949}],"sentiment":"neutral","sentiment_score":0.1369516074021415,"num_words":41,"start":81.53,"end":99.185},{"sentences":[{"text":"Perfect.","start":101.5,"end":101.74,"sentiment":"neutral","sentiment_score":0.2697349786758423},{"text":"And your birthday is next week.","start":101.74,"end":103.02,"sentiment":"neutral","sentiment_score":0.1490892395377159},{"text":"Happy birthday for next week.","start":103.02,"end":104.56,"sentiment":"neutral","sentiment_score":0.1566978096961975},{"text":"Hopefully, you get the day off.","start":105.74,"end":107.28,"sentiment":"neutral","sentiment_score":0.09180550028880437},{"text":"Oh, they don't kinda hit the same anymore.","start":109.579994,"end":111.979996,"sentiment":"neutral","sentiment_score":-0.27445451356470585}],"sentiment":"neutral","sentiment_score":0.011652167599934798,"num_words":26,"start":101.5,"end":111.979996},{"sentences":[{"text":"Like, I'm an 84 baby as well, so I'm the same age as you.","start":111.979996,"end":115.275,"sentiment":"neutral","sentiment_score":-0.1020353761102472},{"text":"They just don't hit the same anymore.","start":115.515,"end":117.035,"sentiment":"neutral","sentiment_score":-0.16318182115043914},{"text":"I prefer a day quiet when no one sort of talks to me and oh, wow.","start":117.035,"end":125.535,"sentiment":"neutral","sentiment_score":-0.10685440379893407},{"text":"Yeah.","start":126.475,"end":126.975,"sentiment":"neutral","sentiment_score":0.19639626145362857},{"text":"Well, happy birthday.","start":127.195,"end":128.495,"sentiment":"positive","sentiment_score":0.5148259699344635}],"sentiment":"neutral","sentiment_score":-0.06194059275908441,"num_words":41,"start":111.979996,"end":128.495},{"sentences":[{"text":"Yeah.","start":129.23001,"end":129.73001,"sentiment":"neutral","sentiment_score":0.03874515742063522},{"text":"No.","start":129.87001,"end":130.03,"sentiment":"neutral","sentiment_score":-0.03608347475528717},{"text":"That's okay.","start":130.03,"end":130.93001,"sentiment":"neutral","sentiment_score":-0.05266812443733215},{"text":"I know you did let me know you are quite time poor with this one, so I'll try to run through things as quickly as I can.","start":131.07,"end":136.13,"sentiment":"neutral","sentiment_score":-0.14847209608113324},{"text":"I just wanna make sure we touch base on everything.","start":136.19,"end":138.11,"sentiment":"neutral","sentiment_score":-0.06138987578451634}],"sentiment":"neutral","sentiment_score":-0.11525170532305067,"num_words":41,"start":129.23001,"end":138.11},{"sentences":[{"text":"I did do a bit of a look at things beforehand, and it looks like some definitely some advice I wanna try and update for you as well.","start":138.11,"end":144.03,"sentiment":"neutral","sentiment_score":0.057937374737645896},{"text":"So I'll just start by running through any changes to your circumstances there.","start":144.03,"end":148.835,"sentiment":"neutral","sentiment_score":0.14938757855158585},{"text":"So having a bit of a look, you're still at the same role working for RACQ then.","start":148.835,"end":153.075,"sentiment":"neutral","sentiment_score":0.05345942364896045},{"text":"You're looking after the roadside assistance side of things as a 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congratulations.","start":185.0,"end":185.82,"sentiment":"positive","sentiment_score":0.4184522479772568}],"sentiment":"neutral","sentiment_score":0.24113227240741253,"num_words":6,"start":179.625,"end":185.82},{"sentences":[{"text":"Did that come with a pay rise at all?","start":186.2,"end":188.22,"sentiment":"neutral","sentiment_score":0.1532623055908415},{"text":"Yeah.","start":189.32,"end":189.8,"sentiment":"neutral","sentiment_score":0.18740633130073547},{"text":"Perfect.","start":189.8,"end":190.28,"sentiment":"positive","sentiment_score":0.5957974195480347},{"text":"How much yeah.","start":190.28,"end":191.4,"sentiment":"neutral","sentiment_score":0.08361684034268062},{"text":"How much even now?","start":191.4,"end":192.7,"sentiment":"neutral","sentiment_score":0.013339505065232515}],"sentiment":"neutral","sentiment_score":0.13704294680307308,"num_words":18,"start":186.2,"end":192.7},{"sentences":[{"text":"180,000.","start":196.665,"end":197.965,"sentiment":"neutral","sentiment_score":0.012146079912781715},{"text":"It doesn't tell me it's before or after.","start":203.385,"end":205.225,"sentiment":"neutral","sentiment_score":-0.03937430493533611},{"text":"It just says a 180,000 total, so I'm assuming it's included.","start":205.225,"end":208.925,"sentiment":"neutral","sentiment_score":-0.0033905102278698573},{"text":"Yeah.","start":209.065,"end":209.565,"sentiment":"neutral","sentiment_score":0.018949510529637337},{"text":"Yep.","start":219.46999,"end":219.96999,"sentiment":"neutral","sentiment_score":0.03215247392654419}],"sentiment":"neutral","sentiment_score":-0.013138272164558823,"num_words":22,"start":196.665,"end":219.96999},{"sentences":[{"text":"That's okay.","start":220.18999,"end":221.01,"sentiment":"neutral","sentiment_score":0.08015252277255058},{"text":"So either two 10 yeah.","start":221.46999,"end":223.15,"sentiment":"neutral","sentiment_score":0.05962247103452682},{"text":"Perfect.","start":223.15,"end":223.62999,"sentiment":"positive","sentiment_score":0.5235945582389832},{"text":"And super on top of 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congratulations.","start":231.615,"end":232.91501,"sentiment":"positive","sentiment_score":0.7377802729606628}],"sentiment":"positive","sentiment_score":0.596858452473368,"num_words":14,"start":227.77501,"end":232.91501},{"sentences":[{"text":"I'm glad you got a pay rise to go with it.","start":233.05501,"end":234.895,"sentiment":"neutral","sentiment_score":0.2564692199230194},{"text":"It sounds like you're extremely busy, so well deserved.","start":234.895,"end":237.63501,"sentiment":"neutral","sentiment_score":0.2242186607586013},{"text":"How's everything going expenditure wise?","start":240.34999,"end":242.19,"sentiment":"neutral","sentiment_score":0.02794578354805708},{"text":"Are you managing to put money away at the moment, or is everything going towards the cost of living?","start":242.19,"end":246.45,"sentiment":"neutral","sentiment_score":-0.0032780085151132786},{"text":"Yep.","start":252.845,"end":253.345,"sentiment":"neutral","sentiment_score":0.2422216534614563}],"sentiment":"neutral","sentiment_score":0.1146399505643381,"num_words":45,"start":233.05501,"end":253.345},{"sentences":[{"text":"Fantastic.","start":256.60498,"end":257.10498,"sentiment":"positive","sentiment_score":0.6883972883224487},{"text":"Congratulations on that one.","start":257.725,"end":259.165,"sentiment":"positive","sentiment_score":0.5236073061823845},{"text":"It's all happening.","start":259.165,"end":260.205,"sentiment":"neutral","sentiment_score":0.2838224073251088},{"text":"This is the 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fantastic.","start":321.88,"end":324.22,"sentiment":"neutral","sentiment_score":0.18230836127292027}],"sentiment":"neutral","sentiment_score":0.08160856274749946,"num_words":54,"start":310.335,"end":324.22},{"sentences":[{"text":"Cars I had valued at about 65,000.","start":324.84,"end":327.48,"sentiment":"neutral","sentiment_score":0.16562837468726294},{"text":"Would you value them about the same?","start":327.48,"end":329.24,"sentiment":"neutral","sentiment_score":0.06568238139152527},{"text":"Yep.","start":329.24,"end":329.72,"sentiment":"neutral","sentiment_score":0.041661109775304794},{"text":"Perfect.","start":329.72,"end":330.22,"sentiment":"neutral","sentiment_score":0.2266082763671875},{"text":"Yeah.","start":332.375,"end":332.775,"sentiment":"neutral","sentiment_score":0.04144437611103058}],"sentiment":"neutral","sentiment_score":0.11346406204735532,"num_words":17,"start":324.84,"end":332.775},{"sentences":[{"text":"That's 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say.","start":381.13,"end":385.94498,"sentiment":"neutral","sentiment_score":-0.03507918044924736}],"sentiment":"neutral","sentiment_score":0.02644373692179981,"num_words":19,"start":374.25,"end":385.94498},{"sentences":[{"text":"It just says credit cards, plural, and then it has a total of 20,000 there.","start":385.94498,"end":389.54498,"sentiment":"neutral","sentiment_score":-0.017851273777584234},{"text":"So I wasn't really sure.","start":389.54498,"end":390.925,"sentiment":"neutral","sentiment_score":-0.019940128177404405},{"text":"Yeah.","start":391.305,"end":391.805,"sentiment":"neutral","sentiment_score":0.007929005660116673},{"text":"Yep.","start":394.92,"end":395.42,"sentiment":"neutral","sentiment_score":0.003826890839263797},{"text":"Yep.","start":397.16,"end":397.66,"sentiment":"neutral","sentiment_score":0.00777193158864975}],"sentiment":"neutral","sentiment_score":-0.015127909541858928,"num_words":23,"start":385.94498,"end":397.66},{"sentences":[{"text":"Yeah.","start":399.48,"end":399.88,"sentiment":"neutral","sentiment_score":0.05141376703977585},{"text":"Perfect.","start":399.88,"end":400.38,"sentiment":"neutral","sentiment_score":0.1246362403035164},{"text":"Yeah.","start":401.8,"end":402.12,"sentiment":"neutral","sentiment_score":-0.008595992811024189},{"text":"That's 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know.","start":413.895,"end":414.615,"sentiment":"neutral","sentiment_score":-0.17725872000058493}],"sentiment":"neutral","sentiment_score":-0.010602324906932678,"num_words":19,"start":408.29498,"end":414.615},{"sentences":[{"text":"That's okay.","start":414.615,"end":415.51498,"sentiment":"neutral","sentiment_score":-0.07331424206495285},{"text":"No.","start":416.85498,"end":417.09497,"sentiment":"neutral","sentiment_score":-0.10540605336427689},{"text":"That's that's absolutely fine, honestly.","start":417.09497,"end":419.75497,"sentiment":"positive","sentiment_score":0.35736108422279356},{"text":"I also had your contents noted.","start":420.35,"end":422.19,"sentiment":"neutral","sentiment_score":0.14717055608828863},{"text":"Total value of contents estimated 80,000.","start":422.19,"end":424.93,"sentiment":"neutral","sentiment_score":0.07369618179897468}],"sentiment":"neutral","sentiment_score":0.14299856554716825,"num_words":20,"start":414.615,"end":424.93},{"sentences":[{"text":"Would you keep that about the same or yep.","start":424.99,"end":427.57,"sentiment":"neutral","sentiment_score":0.06735665309760305},{"text":"Perfect.","start":427.71,"end":428.21,"sentiment":"positive","sentiment_score":0.5435236692428589},{"text":"Do you have any other assets that you wanna note down?","start":428.83,"end":431.47,"sentiment":"neutral","sentiment_score":0.16697002270004965},{"text":"Anything else that value shares, cryptocurrency collections?","start":431.47,"end":434.61,"sentiment":"neutral","sentiment_score":0.02856145586286272},{"text":"No.","start":435.23,"end":435.73,"sentiment":"neutral","sentiment_score":-0.008373865857720375}],"sentiment":"neutral","sentiment_score":0.1095848317932466,"num_words":29,"start":424.99,"end":435.73},{"sentences":[{"text":"Easy.","start":438.015,"end":438.515,"sentiment":"neutral","sentiment_score":0.1271105408668518},{"text":"Perfect.","start":438.575,"end":439.075,"sentiment":"positive","sentiment_score":0.37270060181617737},{"text":"Now I've also got down to the estate planning side of things.","start":439.535,"end":441.935,"sentiment":"neutral","sentiment_score":0.11486886379619439},{"text":"So when we sort of caught up last time, you hadn't drawn up a will.","start":441.935,"end":444.73502,"sentiment":"neutral","sentiment_score":0.016809867632885774},{"text":"Have you guys talked about drawing up a will now that you have your home?","start":444.73502,"end":448.035,"sentiment":"neutral","sentiment_score":0.004738516050080458}],"sentiment":"neutral","sentiment_score":0.05003325598822399,"num_words":44,"start":438.015,"end":448.035},{"sentences":[{"text":"No.","start":448.095,"end":448.495,"sentiment":"neutral","sentiment_score":-0.11362142860889436},{"text":"That's okay.","start":448.495,"end":449.315,"sentiment":"neutral","sentiment_score":-0.23992763459682465},{"text":"Yes.","start":453.61002,"end":454.09,"sentiment":"neutral","sentiment_score":0.0871824249625206},{"text":"Perfect.","start":454.09,"end":454.59,"sentiment":"neutral","sentiment_score":0.23903276026248932},{"text":"So what I we don't do the will for you.","start":454.73,"end":459.37,"sentiment":"neutral","sentiment_score":-0.008155419677495956}],"sentiment":"neutral","sentiment_score":-0.023254380623499552,"num_words":15,"start":448.095,"end":459.37},{"sentences":[{"text":"However, we can refer you through to a solicitor.","start":459.37,"end":461.69,"sentiment":"neutral","sentiment_score":0.029969696783357196},{"text":"So if you like after the call, I can get my team to email you just some details of the the sort of we use, and a bit of a costing to start the conversation how much it might cost it up or will.","start":461.69,"end":471.73502,"sentiment":"neutral","sentiment_score":0.03249834637707946},{"text":"Yeah.","start":473.315,"end":473.815,"sentiment":"neutral","sentiment_score":0.020505685359239575},{"text":"Perfect.","start":474.355,"end":474.855,"sentiment":"neutral","sentiment_score":0.19891932606697085},{"text":"Yeah.","start":481.88998,"end":482.38998,"sentiment":"neutral","sentiment_score":0.04519638419151306}],"sentiment":"neutral","sentiment_score":0.035076355486775616,"num_words":56,"start":459.37,"end":482.38998},{"sentences":[{"text":"No.","start":482.77,"end":482.93,"sentiment":"neutral","sentiment_score":0.017276113852858543},{"text":"That's okay.","start":482.93,"end":483.49,"sentiment":"neutral","sentiment_score":0.055610619485378265},{"text":"I'll send that email through.","start":483.49,"end":484.69,"sentiment":"neutral","sentiment_score":0.09863879680633544},{"text":"If you decide you want us to help you out with the referral, absolutely fine.","start":484.69,"end":487.81,"sentiment":"neutral","sentiment_score":0.16115403572718304},{"text":"But it's great to start the conversation, and it gives you an idea of what the cost might look like as well so you can make sure it's within your budget.","start":487.81,"end":494.02502,"sentiment":"neutral","sentiment_score":0.2695725742847689}],"sentiment":"neutral","sentiment_score":0.211032438436868,"num_words":54,"start":482.77,"end":494.02502},{"sentences":[{"text":"Yeah.","start":494.02502,"end":494.52502,"sentiment":"neutral","sentiment_score":0.27039581537246704},{"text":"Excellent.","start":495.625,"end":496.125,"sentiment":"positive","sentiment_score":0.7864701747894287},{"text":"And with your beneficiaries on, obviously, your MetLife and your super policy, you have it noted down here, 50% to go to Angus if anything happens to you.","start":496.345,"end":505.24503,"sentiment":"neutral","sentiment_score":0.30191213983510223},{"text":"And then I've got 25% to each of your children, Hunter and Isabella.","start":505.385,"end":509.005,"sentiment":"neutral","sentiment_score":0.06940258939105731},{"text":"With the kids, are they both minors?","start":509.66,"end":511.84,"sentiment":"neutral","sentiment_score":0.013796184877199786}],"sentiment":"neutral","sentiment_score":0.21018425723537804,"num_words":50,"start":494.02502,"end":511.84},{"sentences":[{"text":"Okay.","start":514.77997,"end":515.27997,"sentiment":"neutral","sentiment_score":0.02216391824185848},{"text":"So just so you're fully aware, if in the event of you passing with the beneficiaries, the way they are set up, Angus does get his portion completely tax free.","start":515.33997,"end":523.485,"sentiment":"neutral","sentiment_score":0.07277521553138892},{"text":"With Hunter sorry.","start":524.365,"end":525.245,"sentiment":"neutral","sentiment_score":0.005001564820607503},{"text":"Hunter was the one that was 22 years of age.","start":525.245,"end":527.505,"sentiment":"neutral","sentiment_score":-0.0073284821584820746},{"text":"Yeah.","start":528.285,"end":528.685,"sentiment":"neutral","sentiment_score":0.03492177650332451}],"sentiment":"neutral","sentiment_score":0.04849026741253005,"num_words":45,"start":514.77997,"end":528.685},{"sentences":[{"text":"So with Hunter's portion, because he is over he's technically non not a tax dependent.","start":528.685,"end":533.485,"sentiment":"neutral","sentiment_score":0.046462688595056534},{"text":"He is still able to be a beneficiary.","start":533.485,"end":535.265,"sentiment":"neutral","sentiment_score":0.1250552013516426},{"text":"But on the taxable component of what he receives, he's actually required to pay tax on that amount.","start":535.485,"end":541.0,"sentiment":"neutral","sentiment_score":0.007940500871174865},{"text":"It's marginal tax rate plus the Medicare levy, so it can be quite, yeah, significant.","start":541.62,"end":546.68,"sentiment":"neutral","sentiment_score":0.033708600265284376},{"text":"It's because he's a nontax dependent.","start":547.78,"end":549.48,"sentiment":"neutral","sentiment_score":-0.06322503586610158}],"sentiment":"neutral","sentiment_score":0.031719189422625686,"num_words":62,"start":528.685,"end":549.48},{"sentences":[{"text":"So anyone who is a nontax dependent on inheritance received does have to pay tax.","start":549.54,"end":553.815,"sentiment":"neutral","sentiment_score":-0.06088490709662438},{"text":"But Isabella, because she is a minor, she receives her benefit tax free.","start":554.055,"end":558.155,"sentiment":"neutral","sentiment_score":-0.0040282698778005745},{"text":"And with Isabella's benefit, she actually doesn't receive that total.","start":558.215,"end":561.975,"sentiment":"neutral","sentiment_score":-0.041919843293726444},{"text":"She won't receive the money.","start":561.975,"end":563.575,"sentiment":"neutral","sentiment_score":-0.13262951672077178},{"text":"It will go to either Angus or a trust or however that's structured up, but 25% is held for her.","start":563.575,"end":571.33,"sentiment":"neutral","sentiment_score":-0.009555881330743431}],"sentiment":"neutral","sentiment_score":-0.03554134536534548,"num_words":63,"start":549.54,"end":571.33},{"sentences":[{"text":"Would you like me to because I've sort of yeah.","start":571.33,"end":574.29004,"sentiment":"neutral","sentiment_score":-0.017928015626966953},{"text":"Did because I've sort of readjusted and I've had a look at everything, and there is some advice to provide moving forward.","start":574.29004,"end":580.39,"sentiment":"neutral","sentiment_score":0.05778447608992627},{"text":"Did you want me to account for the estate planning side of the things?","start":580.45,"end":583.83,"sentiment":"neutral","sentiment_score":0.0065322207020861766},{"text":"And I can recommend how to note those beneficiaries so that everyone gets it to the best, you know, the best tax advantage.","start":584.115,"end":592.295,"sentiment":"neutral","sentiment_score":0.25564977073151135},{"text":"Yep.","start":594.035,"end":594.535,"sentiment":"neutral","sentiment_score":0.18284127116203308}],"sentiment":"neutral","sentiment_score":0.10351736293606727,"num_words":70,"start":571.33,"end":594.535},{"sentences":[{"text":"Perfect.","start":594.675,"end":595.175,"sentiment":"positive","sentiment_score":0.3663429617881775},{"text":"So for Hunter, absolutely.","start":597.73004,"end":599.27,"sentiment":"neutral","sentiment_score":0.1645123939961195},{"text":"I would I would be trying to have his portion sent through to your will and then have your will separated.","start":599.33,"end":604.29004,"sentiment":"neutral","sentiment_score":0.13841487254415238},{"text":"So on in the event of anything happening, your life and super goes to there for his portion, and then he gets that directed out while there are still taxes to be consumed.","start":604.29004,"end":613.415,"sentiment":"neutral","sentiment_score":0.09020965625390862},{"text":"Yeah.","start":613.795,"end":614.295,"sentiment":"neutral","sentiment_score":0.09252844750881196}],"sentiment":"neutral","sentiment_score":0.1166758660847942,"num_words":60,"start":594.675,"end":614.295},{"sentences":[{"text":"While there are still taxes, you it gets sort of looked after by your estate within the trust, and he doesn't have to pay the Medicare levy side of that.","start":614.355,"end":621.315,"sentiment":"neutral","sentiment_score":0.11239673706392447},{"text":"So it does alleviate some of that pressure on him.","start":621.315,"end":624.15,"sentiment":"neutral","sentiment_score":0.2692695498466492},{"text":"And with Isabelle, the same thing.","start":624.47003,"end":625.99005,"sentiment":"neutral","sentiment_score":0.15178933242956796},{"text":"If you want her to have that money, having her nominated inside super means that it gets paid to either a trust or to Angus to cover.","start":625.99005,"end":634.81,"sentiment":"neutral","sentiment_score":0.13740485409895578},{"text":"However, if you have that directed into the trust, you can set up inside your trust, the testamentary trust where any money for her gets set up.","start":635.43005,"end":643.555,"sentiment":"neutral","sentiment_score":0.06591362478556456}],"sentiment":"neutral","sentiment_score":0.12464932534843683,"num_words":100,"start":614.355,"end":643.555},{"sentences":[{"text":"He can be, you know, set up as the executor of that trust and making sure that you can direct money to her so it lasts longer for her, if that makes sense.","start":643.555,"end":651.9,"sentiment":"neutral","sentiment_score":0.10299019492936856},{"text":"Yeah.","start":653.10004,"end":653.60004,"sentiment":"neutral","sentiment_score":0.05353908985853195},{"text":"Yeah.","start":655.5,"end":656.0,"sentiment":"neutral","sentiment_score":0.033508386462926865},{"text":"Yeah.","start":657.9,"end":658.4,"sentiment":"neutral","sentiment_score":0.04092006757855415},{"text":"Yeah.","start":660.94,"end":661.44,"sentiment":"neutral","sentiment_score":0.053189486265182495}],"sentiment":"neutral","sentiment_score":0.09675225575227996,"num_words":37,"start":643.555,"end":661.44},{"sentences":[{"text":"Yeah.","start":664.795,"end":665.295,"sentiment":"neutral","sentiment_score":0.10530466586351396},{"text":"Absolutely.","start":665.355,"end":665.855,"sentiment":"neutral","sentiment_score":0.2003258615732193},{"text":"Absolutely.","start":666.555,"end":667.055,"sentiment":"neutral","sentiment_score":0.31046435236930847},{"text":"I will account for that in the advice update for you.","start":667.27496,"end":669.675,"sentiment":"neutral","sentiment_score":0.3123025487769734},{"text":"It's not a problem at all.","start":669.675,"end":670.95496,"sentiment":"neutral","sentiment_score":0.306229829788208}],"sentiment":"neutral","sentiment_score":0.2944400947540998,"num_words":20,"start":664.795,"end":670.95496},{"sentences":[{"text":"Perfect.","start":670.95496,"end":671.45496,"sentiment":"positive","sentiment_score":0.6618586778640747},{"text":"Excellent.","start":671.83496,"end":672.33496,"sentiment":"positive","sentiment_score":0.671027421951294},{"text":"And you've got the same benefits used on your super.","start":673.115,"end":675.355,"sentiment":"positive","sentiment_score":0.4106966435909271},{"text":"I'll account for that as well, making sure everything is directed how you want it to be, but in the most tax advantage way for everybody.","start":675.355,"end":681.83997,"sentiment":"neutral","sentiment_score":0.1409936653306851},{"text":"Okay?","start":682.13995,"end":682.63995,"sentiment":"neutral","sentiment_score":0.09910494834184648}],"sentiment":"neutral","sentiment_score":0.23602032776062304,"num_words":39,"start":670.95496,"end":682.63995},{"sentences":[{"text":"Perfect.","start":683.5,"end":684.0,"sentiment":"positive","sentiment_score":0.684044361114502},{"text":"Excellent.","start":684.22,"end":684.72,"sentiment":"positive","sentiment_score":0.6627130508422852},{"text":"Now having a look at your there as well, at the moment, given you you got your balance there, which is up to 319,800 and 43, I did go through and have a look at how everything is invested.","start":685.18,"end":697.515,"sentiment":"neutral","sentiment_score":0.12373887895582578},{"text":"Most of your investments have been performing quite well.","start":697.575,"end":700.475,"sentiment":"positive","sentiment_score":0.3913332356346978},{"text":"The only yeah.","start":701.015,"end":702.375,"sentiment":"neutral","sentiment_score":0.00905879276494185}],"sentiment":"neutral","sentiment_score":0.18342923000454903,"num_words":53,"start":683.5,"end":702.375},{"sentences":[{"text":"As a whole, over the total of the year, your earnings are over 20 5,800 dollars.","start":702.375,"end":707.96,"sentiment":"neutral","sentiment_score":0.017296453763265163},{"text":"So your portfolio has worked.","start":707.96,"end":709.82,"sentiment":"neutral","sentiment_score":0.12297821342945099},{"text":"That's the growth in the income.","start":709.96,"end":711.4,"sentiment":"neutral","sentiment_score":0.25946709016958874},{"text":"So it gives you about a 6.89% return there after fees.","start":711.4,"end":715.34,"sentiment":"neutral","sentiment_score":0.15896954116496173},{"text":"Yeah.","start":715.88,"end":716.28,"sentiment":"neutral","sentiment_score":0.017741471529006958}],"sentiment":"neutral","sentiment_score":0.10807290494155425,"num_words":39,"start":702.375,"end":716.28},{"sentences":[{"text":"The only thing I've sort of noticed I'm looking at here is inside your portfolio, you have the Benelon Australian Equities portion.","start":716.28,"end":722.995,"sentiment":"neutral","sentiment_score":-0.0406267498196526},{"text":"Unfortunately, late last year, Benelon had a bit of an issue with one of their underlying investments, the corporate traveler.","start":723.45496,"end":728.995,"sentiment":"neutral","sentiment_score":-0.135766726359725},{"text":"With what's happened with them, they've had to reevaluate that.","start":730.01495,"end":732.975,"sentiment":"neutral","sentiment_score":-0.07910516820847988},{"text":"There was a bit of a trading halt with Benelon and corporate travel, which sort of meant that Bennelong have had to reevaluate that part quarter portion, sorry, of their investments.","start":732.975,"end":742.0,"sentiment":"neutral","sentiment_score":-0.11634537241151256},{"text":"And Amenta analysts have now also gone back and reevaluated Bennelong as an investment.","start":742.14,"end":746.72003,"sentiment":"neutral","sentiment_score":-0.06282895617187023}],"sentiment":"neutral","sentiment_score":-0.0916132642935539,"num_words":97,"start":716.28,"end":746.72003},{"sentences":[{"text":"So that part of your portfolio is actually down pretty heavily by that 19 percent.","start":747.18005,"end":751.27496,"sentiment":"neutral","sentiment_score":-0.08651850248376529},{"text":"It is holding your returns back for the year.","start":751.27496,"end":754.01495,"sentiment":"neutral","sentiment_score":-0.11715000867843628},{"text":"What I would like to do is go back to the drawing board.","start":754.39496,"end":756.795,"sentiment":"neutral","sentiment_score":-0.10069035222897163},{"text":"I've got a few options.","start":756.795,"end":757.75494,"sentiment":"neutral","sentiment_score":-0.08748039603233337},{"text":"I wanna remove Benelon out of there for you as it is underperforming and maybe replace it with something else.","start":757.75494,"end":763.675,"sentiment":"neutral","sentiment_score":-0.1193646427243948}],"sentiment":"neutral","sentiment_score":-0.10460962949981613,"num_words":62,"start":747.18005,"end":763.675},{"sentences":[{"text":"Are you comfortable with that?","start":763.675,"end":765.13495,"sentiment":"neutral","sentiment_score":-0.03316821902990341},{"text":"No.","start":768.79,"end":769.03,"sentiment":"neutral","sentiment_score":-0.052142493426799774},{"text":"That's all of us.","start":769.03,"end":770.07,"sentiment":"neutral","sentiment_score":0.14025058969855309},{"text":"So we do all the management.","start":770.07,"end":771.69,"sentiment":"neutral","sentiment_score":0.0450976121549805},{"text":"Yeah.","start":771.83,"end":772.33,"sentiment":"neutral","sentiment_score":0.09194204211235046}],"sentiment":"neutral","sentiment_score":0.04150273442706641,"num_words":17,"start":763.675,"end":772.33},{"sentences":[{"text":"Yeah.","start":772.71,"end":773.21,"sentiment":"neutral","sentiment_score":0.20828236639499664},{"text":"So Hub 20 four is, like, the vehicle to hold the investments, and then we do all the management of the investments there.","start":773.27,"end":779.75,"sentiment":"neutral","sentiment_score":0.08890120685100555},{"text":"Yeah.","start":779.75,"end":780.25,"sentiment":"neutral","sentiment_score":0.03783059120178223},{"text":"Yeah.","start":782.65497,"end":783.15497,"sentiment":"neutral","sentiment_score":-0.16737936437129974},{"text":"No.","start":786.495,"end":786.89496,"sentiment":"neutral","sentiment_score":-0.16706697642803192}],"sentiment":"neutral","sentiment_score":0.07245905090261388,"num_words":27,"start":772.71,"end":786.89496},{"sentences":[{"text":"Absolutely.","start":786.89496,"end":787.39496,"sentiment":"neutral","sentiment_score":-0.06779993325471878},{"text":"Yeah.","start":791.375,"end":791.695,"sentiment":"neutral","sentiment_score":0.10319145768880844},{"text":"Well, we actually can't do that straight straight up, and that's why we have to go through the review with you.","start":791.695,"end":795.56,"sentiment":"neutral","sentiment_score":0.022828478543531327},{"text":"So because when you came on board, you were recommended those those investments as a whole, we have to kind of keep them until we talk to you and get approval to to update things.","start":795.56,"end":805.18,"sentiment":"neutral","sentiment_score":0.19111350189362253},{"text":"But if you're open to moving you're right.","start":805.24,"end":807.88,"sentiment":"neutral","sentiment_score":0.0860904399305582}],"sentiment":"neutral","sentiment_score":0.11958311605408337,"num_words":66,"start":786.89496,"end":807.88},{"sentences":[{"text":"Sorry.","start":807.88,"end":808.38,"sentiment":"neutral","sentiment_score":0.01708053983747959},{"text":"Yeah.","start":808.52,"end":809.02,"sentiment":"neutral","sentiment_score":0.038160838186740875},{"text":"Yeah.","start":812.15497,"end":812.65497,"sentiment":"neutral","sentiment_score":0.07122578471899033},{"text":"Yep.","start":813.995,"end":814.495,"sentiment":"neutral","sentiment_score":0.040041230618953705},{"text":"That's correct.","start":819.27496,"end":820.15497,"sentiment":"neutral","sentiment_score":0.10449329763650894}],"sentiment":"neutral","sentiment_score":0.06258249810586373,"num_words":6,"start":807.88,"end":820.15497},{"sentences":[{"text":"Yes.","start":820.15497,"end":820.475,"sentiment":"neutral","sentiment_score":0.10563235729932784},{"text":"So what happens is when money goes into Hub twenty four, we have a direction inside Hub twenty four, which tells them how we want the money invested on a regular basis.","start":820.475,"end":828.86,"sentiment":"neutral","sentiment_score":0.10057219699956477},{"text":"So when money goes in, when they do their cash changes, they invest the money as per our instructions, but we built the portfolio and we manage it for you.","start":828.86,"end":837.52,"sentiment":"neutral","sentiment_score":0.11695544049143791},{"text":"If you're open to depending on sort of what you wanna see, if you're happy looking at your investments the way they are structured, that's absolutely fine.","start":838.125,"end":845.645,"sentiment":"neutral","sentiment_score":0.19052327562261512},{"text":"I do wanna remove Ben along, though.","start":845.645,"end":847.745,"sentiment":"neutral","sentiment_score":-0.06899624850068774}],"sentiment":"neutral","sentiment_score":0.11849237709623023,"num_words":97,"start":820.15497,"end":847.745},{"sentences":[{"text":"But if you're also open to and you're happy for us to maybe have more control around the investment and what's happening in the market there is that we have set up our own SMA, which is the separately managed account.","start":847.805,"end":859.54004,"sentiment":"neutral","sentiment_score":0.15678521663677403},{"text":"If you are open to if you went into that SMA product, inside your hub 24, all you would see is your balance and that you're in this SMA.","start":859.92,"end":867.54004,"sentiment":"neutral","sentiment_score":0.07904124330600788},{"text":"Inside that SMA, we then have anywhere between 20 to 50 different investment options, and we've built that along with utilizing BlackRock, which is one of Australia's largest investment firms, and they've helped us to build that.","start":868.28503,"end":881.22,"sentiment":"neutral","sentiment_score":0.1384920523174711},{"text":"We have a lot of control there, but being inside this estimate essentially gives us control over maneuvering and making changes to your portfolio.","start":881.69995,"end":889.72,"sentiment":"neutral","sentiment_score":0.1114931939324985},{"text":"Yes.","start":890.18,"end":890.57996,"sentiment":"neutral","sentiment_score":0.11198604106903076}],"sentiment":"neutral","sentiment_score":0.12600317097861657,"num_words":132,"start":847.805,"end":890.57996},{"sentences":[{"text":"So, like, if something happened like that again, like what's happened with Bannalong, then we can remove that quickly, put something else in there.","start":890.57996,"end":897.395,"sentiment":"neutral","sentiment_score":0.03151976938048998},{"text":"We don't have to call you and talk to you about it, but it it essentially gives us more control to make changes to the underlying investments depending on market structures.","start":897.395,"end":905.735,"sentiment":"neutral","sentiment_score":0.08729270088576502},{"text":"Did you want me to look at something like that for you, or did you wanna see where your money's invested and see a bit more clarity there?","start":906.115,"end":912.94,"sentiment":"neutral","sentiment_score":0.028831816544490203},{"text":"No.","start":919.08,"end":919.58,"sentiment":"neutral","sentiment_score":-0.19993451237678528},{"text":"Yeah.","start":926.21497,"end":926.45496,"sentiment":"neutral","sentiment_score":0.006004739552736282}],"sentiment":"neutral","sentiment_score":0.047951873917790024,"num_words":85,"start":890.57996,"end":926.45496},{"sentences":[{"text":"Absolutely.","start":926.45496,"end":926.95496,"sentiment":"neutral","sentiment_score":0.1480288952589035},{"text":"Yeah.","start":931.975,"end":932.295,"sentiment":"neutral","sentiment_score":0.11870505660772324},{"text":"So even after the banner long had the issues, you're still up over six percent, and it's giving you earnings of 25,000.","start":932.295,"end":938.29004,"sentiment":"neutral","sentiment_score":0.07862232718616724},{"text":"So, look, it hasn't made a huge impact, but the impact is still definitely there.","start":938.29004,"end":942.29004,"sentiment":"neutral","sentiment_score":0.008279044801990192},{"text":"Yeah.","start":942.29004,"end":942.79004,"sentiment":"neutral","sentiment_score":0.07799096405506134}],"sentiment":"neutral","sentiment_score":0.0549650446511805,"num_words":40,"start":926.45496,"end":942.79004},{"sentences":[{"text":"Yeah.","start":943.73004,"end":944.23004,"sentiment":"neutral","sentiment_score":0.1116415560245514},{"text":"Yeah.","start":960.065,"end":960.46497,"sentiment":"neutral","sentiment_score":0.06099412962794304},{"text":"So the portfolio you're in at the moment is, you're in a growth portfolio.","start":960.46497,"end":965.49,"sentiment":"neutral","sentiment_score":0.0778485709535224},{"text":"So with the way you would expect, the average returns you'd sort of hope or expect to get on a regular basis is between 79%.","start":965.79,"end":973.23,"sentiment":"neutral","sentiment_score":0.07120353654026985},{"text":"So having six point eight nine, you are slightly underperforming for the year, which is being pulled down by that Benelon investment.","start":973.23,"end":981.08496,"sentiment":"neutral","sentiment_score":-0.07301531211388382}],"sentiment":"neutral","sentiment_score":0.022797892476239846,"num_words":63,"start":943.73004,"end":981.08496},{"sentences":[{"text":"Yeah.","start":981.305,"end":981.805,"sentiment":"neutral","sentiment_score":-0.015959307551383972},{"text":"Yeah.","start":982.02496,"end":982.52496,"sentiment":"neutral","sentiment_score":-0.006454595364630222},{"text":"Yeah.","start":988.68,"end":989.18,"sentiment":"neutral","sentiment_score":-0.020588016137480736},{"text":"Yeah.","start":999.8,"end":1000.3,"sentiment":"neutral","sentiment_score":-0.013028317131102083},{"text":"Yeah.","start":1000.52,"end":1001.02,"sentiment":"neutral","sentiment_score":0.003635101020336151}],"sentiment":"neutral","sentiment_score":-0.010479027032852173,"num_words":5,"start":981.305,"end":1001.02},{"sentences":[{"text":"So you you yeah.","start":1001.08,"end":1002.615,"sentiment":"neutral","sentiment_score":0.01210482232272625},{"text":"No.","start":1002.615,"end":1002.855,"sentiment":"neutral","sentiment_score":0.062554731965065},{"text":"That's perfect.","start":1002.855,"end":1003.415,"sentiment":"positive","sentiment_score":0.3652489483356476},{"text":"So you would like to be able to see you want visibility over where your funds are invested.","start":1003.415,"end":1007.735,"sentiment":"neutral","sentiment_score":0.21577989723947313},{"text":"You wanna know when there's something we have to move out, but you wanna be involved in that.","start":1007.735,"end":1011.735,"sentiment":"neutral","sentiment_score":0.03994308629383644}],"sentiment":"neutral","sentiment_score":0.12661594468667065,"num_words":43,"start":1001.08,"end":1011.735},{"sentences":[{"text":"Yep.","start":1011.735,"end":1012.235,"sentiment":"neutral","sentiment_score":0.1054168939590454},{"text":"Yeah.","start":1014.055,"end":1014.555,"sentiment":"neutral","sentiment_score":0.08996012061834335},{"text":"No.","start":1015.58,"end":1016.08,"sentiment":"neutral","sentiment_score":-0.08791478723287582},{"text":"That's absolutely okay.","start":1016.38,"end":1017.58,"sentiment":"neutral","sentiment_score":0.18355600784222284},{"text":"So with where we're sort of looking at things, the estimate doesn't sound like it's gonna be the right fit for you at the moment, but I can absolutely pull out the Benelon.","start":1017.58,"end":1025.28,"sentiment":"neutral","sentiment_score":0.030834122984246773}],"sentiment":"neutral","sentiment_score":0.04296554639362372,"num_words":39,"start":1011.735,"end":1025.28},{"sentences":[{"text":"I'll put something else in its place.","start":1025.34,"end":1026.86,"sentiment":"neutral","sentiment_score":0.09761521645954677},{"text":"What I'll do is I'll update the advice document to reflect what we're gonna put in there.","start":1026.86,"end":1030.965,"sentiment":"neutral","sentiment_score":0.07159516302978292},{"text":"I'll explain it, and we'll go through it together, and then you can tell me whether you're comfortable proceeding with that.","start":1030.965,"end":1035.445,"sentiment":"neutral","sentiment_score":0.08823289988296372},{"text":"Does that sound okay?","start":1035.445,"end":1036.585,"sentiment":"neutral","sentiment_score":0.07088354602456093},{"text":"Yeah.","start":1036.885,"end":1037.385,"sentiment":"neutral","sentiment_score":0.183796226978302}],"sentiment":"neutral","sentiment_score":0.08441291190683842,"num_words":50,"start":1025.34,"end":1037.385},{"sentences":[{"text":"Beautiful.","start":1038.085,"end":1038.565,"sentiment":"positive","sentiment_score":0.6034721732139587},{"text":"The yeah.","start":1038.565,"end":1040.6649,"sentiment":"neutral","sentiment_score":0.0744493966922164},{"text":"Yeah.","start":1043.38,"end":1043.46,"sentiment":"neutral","sentiment_score":0.008762862533330917},{"text":"Yeah.","start":1043.46,"end":1043.96,"sentiment":"neutral","sentiment_score":0.006778033450245857},{"text":"Yeah.","start":1052.4199,"end":1052.58,"sentiment":"neutral","sentiment_score":-0.0003115357831120491}],"sentiment":"neutral","sentiment_score":0.12793338779980937,"num_words":6,"start":1038.085,"end":1052.58},{"sentences":[{"text":"Yeah.","start":1052.58,"end":1053.08,"sentiment":"neutral","sentiment_score":-5.715992301702499e-6},{"text":"That's it.","start":1057.235,"end":1057.975,"sentiment":"neutral","sentiment_score":-0.039454150944948196},{"text":"Yep.","start":1062.195,"end":1062.695,"sentiment":"neutral","sentiment_score":-0.08083215355873108},{"text":"Correct.","start":1068.29,"end":1068.79,"sentiment":"neutral","sentiment_score":-0.02917198091745377},{"text":"Yeah.","start":1069.5701,"end":1070.0701,"sentiment":"neutral","sentiment_score":-0.006687548011541367}],"sentiment":"neutral","sentiment_score":-0.03260095006165405,"num_words":6,"start":1052.58,"end":1070.0701},{"sentences":[{"text":"No.","start":1074.05,"end":1074.37,"sentiment":"neutral","sentiment_score":-0.002059001475572586},{"text":"That's perfect.","start":1074.37,"end":1075.43,"sentiment":"positive","sentiment_score":0.4092160761356354},{"text":"Absolutely.","start":1077.01,"end":1077.51,"sentiment":"neutral","sentiment_score":0.25939005613327026},{"text":"And, look, if you guys ever want information like that, email me.","start":1077.81,"end":1081.125,"sentiment":"neutral","sentiment_score":0.08784570700178544},{"text":"Once I've emailed you the details on on the solicitor, you'll have my email address.","start":1081.125,"end":1086.005,"sentiment":"neutral","sentiment_score":0.06384462316830954}],"sentiment":"neutral","sentiment_score":0.09959938833790441,"num_words":31,"start":1074.05,"end":1086.005},{"sentences":[{"text":"You're welcome to email me and ask me random questions about your investments, about the market as a whole, about anything you like, and I'll come back and help you to educate you.","start":1086.005,"end":1093.4451,"sentiment":"neutral","sentiment_score":0.11575633592226288},{"text":"It's not a problem at all.","start":1093.4451,"end":1094.725,"sentiment":"neutral","sentiment_score":0.16809607297182083},{"text":"Yeah.","start":1094.725,"end":1095.225,"sentiment":"neutral","sentiment_score":0.15152442455291748},{"text":"Excellent.","start":1095.98,"end":1096.48,"sentiment":"positive","sentiment_score":0.7184813618659973},{"text":"The other thing I am looking at in here is you do have some bank hybrids.","start":1097.02,"end":1100.06,"sentiment":"neutral","sentiment_score":0.13178452337160707}],"sentiment":"neutral","sentiment_score":0.1369665558531619,"num_words":57,"start":1086.005,"end":1100.06},{"sentences":[{"text":"This is a great defensive investment.","start":1100.06,"end":1101.76,"sentiment":"neutral","sentiment_score":0.28637012590964633},{"text":"We use it in our portfolios as cash producing.","start":1101.8201,"end":1104.4,"sentiment":"neutral","sentiment_score":0.16982927090591854},{"text":"However, moving forward, the government is phasing out bank hybrids.","start":1104.54,"end":1107.98,"sentiment":"neutral","sentiment_score":0.027041041105985642},{"text":"So because we are looking at moving then along and making that change, then now it might also be worth making a change and maybe changing the bank hybrids into something else defensive.","start":1107.98,"end":1117.405,"sentiment":"neutral","sentiment_score":0.08479343478878339},{"text":"That way, you don't have to make this change down the track.","start":1117.7051,"end":1120.525,"sentiment":"neutral","sentiment_score":0.1416917418440183}],"sentiment":"neutral","sentiment_score":0.11450826935470104,"num_words":70,"start":1100.06,"end":1120.525},{"sentences":[{"text":"Are you comfortable with me assessing that for you as well?","start":1120.905,"end":1123.545,"sentiment":"neutral","sentiment_score":0.13005376403981989},{"text":"Yeah.","start":1123.545,"end":1124.045,"sentiment":"neutral","sentiment_score":0.1368165761232376},{"text":"Beautiful.","start":1125.28,"end":1125.78,"sentiment":"positive","sentiment_score":0.6101243495941162},{"text":"Excellent.","start":1126.3201,"end":1126.8201,"sentiment":"neutral","sentiment_score":0.09857841581106186},{"text":"And we're working towards your goal of being able to retire.","start":1126.9601,"end":1130.02,"sentiment":"neutral","sentiment_score":0.1184296811168844}],"sentiment":"neutral","sentiment_score":0.14315348953008653,"num_words":25,"start":1120.905,"end":1130.02},{"sentences":[{"text":"I had around about sort of 60 to 65.","start":1130.64,"end":1132.88,"sentiment":"neutral","sentiment_score":0.036898602835006185},{"text":"Is that still your goal retirement age?","start":1132.88,"end":1135.06,"sentiment":"neutral","sentiment_score":0.033069495909980366},{"text":"Yeah.","start":1135.6,"end":1136.0801,"sentiment":"neutral","sentiment_score":0.03856640309095383},{"text":"Six yep.","start":1136.0801,"end":1136.98,"sentiment":"neutral","sentiment_score":0.0586777701973915},{"text":"Perfect.","start":1137.385,"end":1137.625,"sentiment":"positive","sentiment_score":0.6759433746337891}],"sentiment":"neutral","sentiment_score":0.06977196075022221,"num_words":20,"start":1130.64,"end":1137.625},{"sentences":[{"text":"What I'll do is I'll work on 60, and then if any it kinda gives you the idea of where we're tracking for, and then you always get the option to, you know, keep working if you want to.","start":1137.625,"end":1147.145,"sentiment":"neutral","sentiment_score":0.1280709913907907},{"text":"You don't have to.","start":1147.145,"end":1148.205,"sentiment":"neutral","sentiment_score":-0.00866080797277391},{"text":"With the old advice documents, we used to kinda project out all the way to 60.","start":1148.985,"end":1153.39,"sentiment":"neutral","sentiment_score":-0.02879866538569331},{"text":"Nowadays, because everything's changing with the legislation requirements around our job, we only project out by ten years because there's too many factors beyond that.","start":1153.39,"end":1161.39,"sentiment":"neutral","sentiment_score":-0.0014924008771777153},{"text":"So I'll show you the effect over the next ten years, and we can kinda go from there for you.","start":1161.39,"end":1166.075,"sentiment":"neutral","sentiment_score":0.07624490093439817}],"sentiment":"neutral","sentiment_score":0.05756668060516509,"num_words":104,"start":1137.625,"end":1166.075},{"sentences":[{"text":"Is that okay?","start":1166.075,"end":1166.895,"sentiment":"neutral","sentiment_score":0.21872970958550772},{"text":"Beautiful.","start":1166.955,"end":1167.455,"sentiment":"positive","sentiment_score":0.3671579957008362},{"text":"With the insurances you do have there at the moment as well, you've got your life and TPD with MetLife there.","start":1168.5549,"end":1173.775,"sentiment":"neutral","sentiment_score":0.09947715309404191},{"text":"Account sum insured is a bit over 1,000,000, so a million and 75,250.","start":1174.075,"end":1179.04,"sentiment":"neutral","sentiment_score":0.05787646741821216},{"text":"Are you still comfortable with those levels of cover?","start":1179.04,"end":1181.12,"sentiment":"neutral","sentiment_score":0.030687420732445188}],"sentiment":"neutral","sentiment_score":0.08810528090342562,"num_words":47,"start":1166.075,"end":1181.12},{"sentences":[{"text":"Are you still happy with how much that would pay out?","start":1181.12,"end":1183.9401,"sentiment":"neutral","sentiment_score":0.0392826914109967},{"text":"Yep.","start":1184.72,"end":1185.2001,"sentiment":"neutral","sentiment_score":0.16964787244796753},{"text":"Perfect.","start":1185.2001,"end":1185.7001,"sentiment":"neutral","sentiment_score":0.3198252022266388},{"text":"And we've also got your employer pay policy retained there as well, which does give you three months worth of salary plus cover as a benefit.","start":1185.92,"end":1193.22,"sentiment":"neutral","sentiment_score":0.09103847137437417},{"text":"You got a bit of trauma there as well, so three times the monthly benefit in that and some salary continuance to pay 75,000 of your salary up to 12,000 per month as a cap, which is a good employer paid policy.","start":1193.5751,"end":1205.655,"sentiment":"neutral","sentiment_score":0.04670298795792319}],"sentiment":"neutral","sentiment_score":0.06481615345879102,"num_words":81,"start":1181.12,"end":1205.655},{"sentences":[{"text":"The benefit is they pay for it, you don't, so that's always a win.","start":1205.655,"end":1209.09,"sentiment":"neutral","sentiment_score":0.14580374477165087},{"text":"Beautiful.","start":1210.77,"end":1211.25,"sentiment":"positive","sentiment_score":0.5461829900741577},{"text":"So happy to retain the insurances as they are at the moment.","start":1211.25,"end":1213.89,"sentiment":"positive","sentiment_score":0.444323609272639},{"text":"You're not looking for anything additional there?","start":1213.89,"end":1216.15,"sentiment":"neutral","sentiment_score":0.04081469800855432},{"text":"Nope.","start":1216.69,"end":1217.19,"sentiment":"neutral","sentiment_score":0.13636928796768188}],"sentiment":"neutral","sentiment_score":0.23832545434789998,"num_words":35,"start":1205.655,"end":1217.19},{"sentences":[{"text":"Perfect.","start":1217.65,"end":1218.15,"sentiment":"positive","sentiment_score":0.3474985957145691},{"text":"Perfect.","start":1218.2899,"end":1218.7899,"sentiment":"neutral","sentiment_score":0.2901269495487213},{"text":"Well, that's basically everything I need to run through at the moment.","start":1219.1699,"end":1221.915,"sentiment":"neutral","sentiment_score":0.09391648353387912},{"text":"So what I'll do is I'll send a bit of a recap email afterwards just going through the things that we spoke about today.","start":1221.915,"end":1226.9551,"sentiment":"neutral","sentiment_score":0.07944684351483981},{"text":"I'm just recapping where I'm gonna touch on the advice for you.","start":1226.9551,"end":1229.8351,"sentiment":"neutral","sentiment_score":0.08527849676708381}],"sentiment":"neutral","sentiment_score":0.09389379106462002,"num_words":50,"start":1217.65,"end":1229.8351},{"sentences":[{"text":"If you have any questions or wanna alter anything, let me know.","start":1229.8351,"end":1232.9751,"sentiment":"neutral","sentiment_score":0.08384764070312183},{"text":"I'll also send out to you the email introduction details to this list so that I can start that conversation there for you.","start":1233.675,"end":1241.33,"sentiment":"neutral","sentiment_score":0.15499948548234027},{"text":"And if there's anything else we may have missed or anything else you want me to touch on, let me know.","start":1242.11,"end":1246.91,"sentiment":"neutral","sentiment_score":0.12552513749826522},{"text":"I'll always make time to come back and we can revisit.","start":1246.91,"end":1249.57,"sentiment":"neutral","sentiment_score":0.1328300481492823},{"text":"It'll just take me a couple of weeks to put some advice together for you just to update into the research around the investments.","start":1250.0449,"end":1255.565,"sentiment":"neutral","sentiment_score":0.1085209408774972}],"sentiment":"neutral","sentiment_score":0.12387715222743842,"num_words":91,"start":1229.8351,"end":1255.565},{"sentences":[{"text":"But once that's ready, we'll come back.","start":1255.565,"end":1257.325,"sentiment":"neutral","sentiment_score":0.09260581753083638},{"text":"We'll look at it together.","start":1257.325,"end":1258.465,"sentiment":"neutral","sentiment_score":0.11689005941152572},{"text":"It'll have the recommendations, the advantages, disadvantages, and the risks involved, and then you get to decide whether you take all, some, or none of it.","start":1258.845,"end":1266.0599,"sentiment":"neutral","sentiment_score":0.08684873896149489},{"text":"Is that okay?","start":1266.0599,"end":1266.96,"sentiment":"neutral","sentiment_score":0.09407966583967209},{"text":"Yep.","start":1268.14,"end":1268.62,"sentiment":"neutral","sentiment_score":0.20798514783382416}],"sentiment":"neutral","sentiment_score":0.09478529471726645,"num_words":42,"start":1255.565,"end":1268.62},{"sentences":[{"text":"Perfect.","start":1268.62,"end":1269.12,"sentiment":"positive","sentiment_score":0.6603379845619202},{"text":"Excellent.","start":1269.26,"end":1269.76,"sentiment":"positive","sentiment_score":0.587224006652832},{"text":"I'm also gonna get the team just to send out the annual review documents to you, which will have a copy of everything we've gone through just so you can run your eyes over it.","start":1269.98,"end":1277.235,"sentiment":"neutral","sentiment_score":0.19941598049231937},{"text":"It looks like you've already signed the ongoing service agreement for the year, and that's just letting you know that you do pay the 1.65% per annum.","start":1277.475,"end":1284.535,"sentiment":"neutral","sentiment_score":0.1960017035404841},{"text":"As an ongoing client, you're entitled to update end of advice at no additional charge, and we're here to make sure we're working harder towards your goals.","start":1284.755,"end":1292.215,"sentiment":"neutral","sentiment_score":0.15044655209338223}],"sentiment":"neutral","sentiment_score":0.19320026605011342,"num_words":91,"start":1268.62,"end":1292.215},{"sentences":[{"text":"That make sense?","start":1292.275,"end":1293.15,"sentiment":"neutral","sentiment_score":0.21007468303044638},{"text":"Yeah.","start":1293.7101,"end":1294.2101,"sentiment":"positive","sentiment_score":0.3361247479915619},{"text":"The team will also just have the financial services guide attached there.","start":1294.91,"end":1298.03,"sentiment":"neutral","sentiment_score":0.16307915871342024},{"text":"Feel free to flick through.","start":1298.03,"end":1298.99,"sentiment":"neutral","sentiment_score":0.16469380557537078},{"text":"It has all my details, my licensing information.","start":1298.99,"end":1301.39,"sentiment":"neutral","sentiment_score":0.15757888369262218}],"sentiment":"neutral","sentiment_score":0.17266892410557846,"num_words":29,"start":1292.275,"end":1301.39},{"sentences":[{"text":"I'm registered through Aviso and a bit of detail and a lovely photo with of me so you can see what I look like.","start":1301.39,"end":1307.15,"sentiment":"neutral","sentiment_score":0.28925315911571187},{"text":"Okay.","start":1307.15,"end":1307.65,"sentiment":"neutral","sentiment_score":0.23442712426185608},{"text":"Excellent.","start":1309.165,"end":1309.665,"sentiment":"positive","sentiment_score":0.5405104160308838},{"text":"Is there anything else I can help you with?","start":1309.9651,"end":1311.725,"sentiment":"neutral","sentiment_score":0.1146771220697297},{"text":"Anything else you wanted to chat about today or that's it?","start":1311.725,"end":1314.9451,"sentiment":"neutral","sentiment_score":0.010835854378952221}],"sentiment":"neutral","sentiment_score":0.19278917077969274,"num_words":46,"start":1301.39,"end":1314.9451},{"sentences":[{"text":"No?","start":1315.5651,"end":1316.0651,"sentiment":"neutral","sentiment_score":0.18018147349357605},{"text":"Perfect.","start":1316.4448,"end":1316.9448,"sentiment":"positive","sentiment_score":0.6136308908462524},{"text":"Well, enjoy your day, Trudy.","start":1317.0848,"end":1318.3649,"sentiment":"positive","sentiment_score":0.5590582847595215},{"text":"I hope you have an amazing birthday next week, and I'll talk to you very soon.","start":1318.3649,"end":1322.4648,"sentiment":"positive","sentiment_score":0.4121377822011709},{"text":"Thank you.","start":1322.5248,"end":1323.3448,"sentiment":"positive","sentiment_score":0.5806059837341309}],"sentiment":"positive","sentiment_score":0.4537808108329773,"num_words":25,"start":1315.5651,"end":1323.3448},{"sentences":[{"text":"See you later.","start":1323.8849,"end":1324.7848,"sentiment":"neutral","sentiment_score":0.18346017599105835},{"text":"Bye.","start":1324.8448,"end":1325.3448,"sentiment":"neutral","sentiment_score":0.09422270953655244}],"sentiment":"neutral","sentiment_score":0.16115080937743187,"num_words":4,"start":1323.8849,"end":1325.3448}]}}]},{"alternatives":[{"transcript":"Hello. Trudy speaking. Hi, Diana. Yeah. Well, thank you. How are you? That's good. Yes. Yeah. That's okay. I can do that. Just give me two seconds and I'll just step out of this session that I'm in. Hang on. Sorry. One one minute. Oh, I'll just go find a quiet location. How's it going? Do I need my computer at all? Okay. Easy. Okay. Oh, perfect. Okay. That's good. Too easy. Ready when you are. Yes. That's fine. Yep. Full name is Britney Ann Keaton. Birth 1 Turquoise Street, Redland Bay 4165. And did you leave birthday? Oh, yeah. '84. I know. Oh, thanks. No. No. Definitely not, unfortunately. That's okay. Oh, there you go. Yeah. Nothing. Yeah. No. I'll be running I'll be in full day of meetings, unfortunately. So that's just the way that it is at the moment, but that's okay. It will do something another time. Thanks. That's okay. No trouble. Yeah. Okay. Cool. Yep. Yep. I've changed I've changed role. So I'm working in the transformation division now. So we're just working on yeah. Yeah. It's on the title is weird. It's business it's head of business design and implementation, but basically, it's in the transformation area of the business, and we've just worked on the sale of the insurance business. So I'm just leaving that next phase of that program from a business to line. Thanks. Yeah. It did. So it's nice. Oh, god. I can't remember. What have I got? What have you got there? Oh, was that that's after that's after Super. Right? Oh, okay. Okay. So the bay I think my base package now is about $2.10 or $2.30. I can't remember. Put 2 tens for now. No. That would be inclusive. Alright. Thanks. Yep. It's always good. Well, no. So we're actually just, we signed a contract on a property last week. That would buy our first home, so that's exciting. Yeah. Thanks. It is. It's a little bit terrifying, but also very exciting. We did end up using families as a guarantor to do the 20%. So we've said we've paid out or with our money, we've paid out the car loan to get rid of that and have put down the well, roughly, which will be $1,010,000 dollars of deposit. And then the I think and then there's, like, the the 20% is coming from a guarantee. So my husband's mom. So we're doing it through that way. Like, so she's putting that through her mortgage or however that's working. But then, yeah, we'll obviously pay the mortgage. Yeah. Yeah. Correct. Yeah. Exactly. Yeah. I know. That's it. Yeah. Totally. Yep. Yep. You sound about right. Probably yeah. That or a bit lower, but that's okay. Yep. We purchased it for 1.07 5. Pretty much. I paid out for mine. I've got no. I paid out one. So I've got five and 8. So 13. Yeah. Oh, yeah. Sorry. So sorry. Just the total. Oh, was that sorry. Do you have is it just mine or mine and my husband's? Okay. Maybe well, I think Angus is as well. Yeah. Leave it at twenty then because I think he's got I've got 13, and I think he's got one that's, like, eight. So that will probably be at twenty. That's okay. But we've been sort of, like, trucking, like, a thousand bucks a month, and then it's, like, reducing the limits just, like, getting rid of them. Oh, god. I don't know. I'm not sure. Not sure right now. Yeah. I think that's about right. Yep. I got a thing. No. No. No. Yeah. I haven't done that yet. No. I haven't done that yet, but I think we that's definitely something that we probably would need to do. And we can do that through you guys, can't we? We've we can help. Oh, okay. Oh, okay. Okay. Well yeah. Yeah. Okay. No worries. Yep. Do that. That's fine. I've just got a I've got a well, I've got in contact with the soliciting firm, but I think they're just purely conveyancing. So that's that's okay. Okay. Great. Mhmm. Yeah. Yeah. Sure. Uh-huh. Yep. Yes. Yep. Correct. Isabelle. Yeah. No. Hunter's 22. Yes. Yep. Yep. Oh, yes. Yes. Why? Why is that? Uh-huh. That's it. Yeah. Okay. Okay. Let me check. The trust. Yep. Yep. Yeah. Okay. That's what we need to do all this. Yeah. Sure. Yeah. Okay. Do I need to put that in the wheel? Is that what you would put in the wheel then? Okay. Yep. Got it. Rather than getting taxed on it. Yeah. Okay. Yep. Okay. Cool. Okay. Mhmm. I'm good. Okay. Yeah. Sure. Great. Yep. That's fine. Okay. I think that's probably what yeah. Something if you can send through some advice on that, that would be helpful. And then I guess it's the conversation with Angus and I and how we structure, you know, the wheels and all the rest of it because he will probably do something similar with his you know? Okay. That makes sense. Okay. Thank you. Cool. Yep. Yep. Okay. Yep. That's how I went. That's what I thought. Yeah. Yep. Yeah. Because yep. Oh, that's pretty good. Yeah. Yep. Oh, yeah. Yep. Mhmm. Oh, yes. Of course. Sure. Mhmm. Yeah. Okay. Shit. Yes. Yep. Yep. Yeah. That's fine. Isn't that hub twenty four that manage all that? Oh, it's all you guys, but it's through okay. Cool. Yeah. Yeah. Yeah. Got it. Yeah. Well, fix yeah. I mean, absolutely. If it's not performing and it looks like there's some concerns there, I don't wanna lose. Yeah. I would have expected that to be sort of adjusted from your end. Yeah. Cool. Okay. Perfect. I see. Okay. So what yep. I was gonna say, because I do get notifications from Hub twenty four to say that we've made these changes on your behalf. I what was what's those about? Is that just still within within what we've already agreed? Okay. Got it. Yep. Okay. Okay. Yeah. I do. Okay. Okay. Yep. Making those changes. Okay. I see. Yep. Okay. Okay. Right. I'm not sure. I suppose I don't want it to be moved around all the time, but I also don't want to if something's happening, like, with this spend along, you were saying that that declined significantly. Did that in did that in so I still had growth over last year, 6.7%. Okay. Got it. Okay. Okay. Yep. Sure. I think for me, provided that it is returning, you know, as close to, you know, sort of the top mark, you know I mean, what what's my is is sort of like a, you know, eight to 10% kind of where you should be seeing a return on a manual basis or is that sort of yeah. That's what I thought. That's sort of what I was thinking. Oh, like, because I said along. Right. Got it. Okay. I look I mean, I think provided that it is performing around, you know, sort of where that needs to be, then I'm okay with the way that it is. But I guess what I probably would need to understand is if there is something that's significantly impacting that, then I'd expect to be advised so that we can make that change. Do you know what I in that, then I'd expect to be advised so that we can make that change. Do you know what I mean? Does that make sense? Is that okay. Yeah. Yeah. Yeah. Yeah. I think that would be good. I think that's good for me too to understand a little bit more as well. Cool. Not right. Not right now. Yep. Okay. Yep. Okay. Too easy. Yeah. That's fine. Because I think my husband had a VIN we had we opened up a VIN card account earlier in the year, and it was merely just to put probably, like, last year. And it was just purely to put money into, which helps us because we've taken it out now to go to the toilet, etcetera. But, you know, the vendor generally returns on 10 on average about 10%, but my husband's noticed in the last sort of how many months because of all of the shit going on in The US, it actually hasn't gone as, you know, it it we we haven't seen the return as much in the last couple of months as what we had prior. So I kind of that's the case. Yeah. We're sort of trying to educate us a little bit on that as well, so it's good if I can get a little bit involved. Okay. Okay. Cool. Yep. Okay. Too easy. Okay. That's great. Thanks. Mhmm. Okay. Okay. Okay. Yep. Sure. That's fine. Yep. Yeah. Yeah. Sure. Yeah. I like working. Yeah. Okay. Yep. 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Trudy speaking. Hi, Diana. Yeah. Well, thank you.\n\nHow are you? That's good. Yes. Yeah. That's okay.\n\nI can do that. Just give me two seconds and I'll just step out of this session that I'm in. Hang on. Sorry. One one minute.\n\nOh, I'll just go find a quiet location. How's it going? Do I need my computer at all? Okay. Easy.\n\nOkay. Oh, perfect. Okay. That's good. Too easy.\n\nReady when you are. Yes. That's fine. Yep. Full name is Britney Ann Keaton.\n\nBirth 1 Turquoise Street, Redland Bay 4165. And did you leave birthday? Oh, yeah. '84. I know.\n\nOh, thanks. No. No. Definitely not, unfortunately. That's okay.\n\nOh, there you go. Yeah. Nothing. Yeah. No.\n\nI'll be running I'll be in full day of meetings, unfortunately. So that's just the way that it is at the moment, but that's okay. It will do something another time. Thanks. That's okay.\n\nNo trouble. Yeah. Okay. Cool. Yep.\n\nYep. I've changed I've changed role. So I'm working in the transformation division now. So we're just working on yeah. Yeah.\n\nIt's on the title is weird. It's business it's head of business design and implementation, but basically, it's in the transformation area of the business, and we've just worked on the sale of the insurance business. So I'm just leaving that next phase of that program from a business to line. Thanks. Yeah.\n\nIt did. So it's nice. Oh, god. I can't remember. What have I got?\n\nWhat have you got there? Oh, was that that's after that's after Super. Right? Oh, okay. Okay.\n\nSo the bay I think my base package now is about $2.10 or $2.30. I can't remember. Put 2 tens for now. No. That would be inclusive.\n\nAlright. Thanks. Yep. It's always good. Well, no.\n\nSo we're actually just, we signed a contract on a property last week. That would buy our first home, so that's exciting. Yeah. Thanks. It is.\n\nIt's a little bit terrifying, but also very exciting. We did end up using families as a guarantor to do the 20%. So we've said we've paid out or with our money, we've paid out the car loan to get rid of that and have put down the well, roughly, which will be $1,010,000 dollars of deposit. And then the I think and then there's, like, the the 20% is coming from a guarantee. So my husband's mom.\n\nSo we're doing it through that way. Like, so she's putting that through her mortgage or however that's working. But then, yeah, we'll obviously pay the mortgage. Yeah. Yeah.\n\nCorrect. Yeah. Exactly. Yeah. I know.\n\nThat's it. Yeah. Totally. Yep. Yep.\n\nYou sound about right. Probably yeah. That or a bit lower, but that's okay. Yep. We purchased it for 1.07 5.\n\nPretty much. I paid out for mine. I've got no. I paid out one. So I've got five and 8.\n\nSo 13. Yeah. Oh, yeah. Sorry. So sorry.\n\nJust the total. Oh, was that sorry. Do you have is it just mine or mine and my husband's? Okay. Maybe well, I think Angus is as well.\n\nYeah. Leave it at twenty then because I think he's got I've got 13, and I think he's got one that's, like, eight. So that will probably be at twenty. That's okay. But we've been sort of, like, trucking, like, a thousand bucks a month, and then it's, like, reducing the limits just, like, getting rid of them.\n\nOh, god. I don't know. I'm not sure. Not sure right now. Yeah.\n\nI think that's about right. Yep. I got a thing. No. No.\n\nNo. Yeah. I haven't done that yet. No. I haven't done that yet, but I think we that's definitely something that we probably would need to do.\n\nAnd we can do that through you guys, can't we? We've we can help. Oh, okay. Oh, okay. Okay.\n\nWell yeah. Yeah. Okay. No worries. Yep.\n\nDo that. That's fine. I've just got a I've got a well, I've got in contact with the soliciting firm, but I think they're just purely conveyancing. So that's that's okay. Okay.\n\nGreat. Mhmm. Yeah. Yeah. Sure.\n\nUh-huh. Yep. Yes. Yep. Correct.\n\nIsabelle. Yeah. No. Hunter's 22. Yes.\n\nYep. Yep. Oh, yes. Yes. Why?\n\nWhy is that? Uh-huh. That's it. Yeah. Okay.\n\nOkay. Let me check. The trust. Yep. Yep.\n\nYeah. Okay. That's what we need to do all this. Yeah. Sure.\n\nYeah. Okay. Do I need to put that in the wheel? Is that what you would put in the wheel then? Okay.\n\nYep. Got it. Rather than getting taxed on it. Yeah. Okay.\n\nYep. Okay. Cool. Okay. Mhmm.\n\nI'm good. Okay. Yeah. Sure. Great.\n\nYep. That's fine. Okay. I think that's probably what yeah. Something if you can send through some advice on that, that would be helpful.\n\nAnd then I guess it's the conversation with Angus and I and how we structure, you know, the wheels and all the rest of it because he will probably do something similar with his you know? Okay. That makes sense. Okay. Thank you.\n\nCool. Yep. Yep. Okay. Yep.\n\nThat's how I went. That's what I thought. Yeah. Yep. Yeah.\n\nBecause yep. Oh, that's pretty good. Yeah. Yep. Oh, yeah.\n\nYep. Mhmm. Oh, yes. Of course. Sure.\n\nMhmm. Yeah. Okay. Shit. Yes.\n\nYep. Yep. Yeah. That's fine. Isn't that hub twenty four that manage all that?\n\nOh, it's all you guys, but it's through okay. Cool. Yeah. Yeah. Yeah.\n\nGot it. Yeah. Well, fix yeah. I mean, absolutely. If it's not performing and it looks like there's some concerns there, I don't wanna lose.\n\nYeah. I would have expected that to be sort of adjusted from your end. Yeah. Cool. Okay.\n\nPerfect. I see. Okay. So what yep. I was gonna say, because I do get notifications from Hub twenty four to say that we've made these changes on your behalf.\n\nI what was what's those about? Is that just still within within what we've already agreed? Okay. Got it. Yep.\n\nOkay. Okay. Yeah. I do. Okay.\n\nOkay. Yep. Making those changes. Okay. I see.\n\nYep. Okay. Okay. Right. I'm not sure.\n\nI suppose I don't want it to be moved around all the time, but I also don't want to if something's happening, like, with this spend along, you were saying that that declined significantly. Did that in did that in so I still had growth over last year, 6.7%. Okay. Got it. Okay.\n\nOkay. Yep. Sure. I think for me, provided that it is returning, you know, as close to, you know, sort of the top mark, you know I mean, what what's my is is sort of like a, you know, eight to 10% kind of where you should be seeing a return on a manual basis or is that sort of yeah. That's what I thought.\n\nThat's sort of what I was thinking. Oh, like, because I said along. Right. Got it. Okay.\n\nI look I mean, I think provided that it is performing around, you know, sort of where that needs to be, then I'm okay with the way that it is. But I guess what I probably would need to understand is if there is something that's significantly impacting that, then I'd expect to be advised so that we can make that change. Do you know what I in that, then I'd expect to be advised so that we can make that change. Do you know what I mean? Does that make sense?\n\nIs that okay. Yeah. Yeah. Yeah. Yeah.\n\nI think that would be good. I think that's good for me too to understand a little bit more as well. Cool. Not right. Not right now.\n\nYep. Okay. Yep. Okay. Too easy.\n\nYeah. That's fine. Because I think my husband had a VIN we had we opened up a VIN card account earlier in the year, and it was merely just to put probably, like, last year. And it was just purely to put money into, which helps us because we've taken it out now to go to the toilet, etcetera. But, you know, the vendor generally returns on 10 on average about 10%, but my husband's noticed in the last sort of how many months because of all of the shit going on in The US, it actually hasn't gone as, you know, it it we we haven't seen the return as much in the last couple of months as what we had prior.\n\nSo I kind of that's the case. Yeah. We're sort of trying to educate us a little bit on that as well, so it's good if I can get a little bit involved. Okay. Okay.\n\nCool. Yep. Okay. Too easy. Okay.\n\nThat's great. Thanks. Mhmm. Okay. Okay.\n\nOkay. Yep. Sure. That's fine. Yep.\n\nYeah. Yeah. Sure. Yeah. I like working.\n\nYeah. Okay. Yep. Yep. Sure.\n\nYes. Sure. Mhmm. Sounds good. Yep.\n\nYes. Yes. That's fine. Yes. Correct.\n\nYes. Yep. Yeah. Totally. Yep.\n\nExactly. Yes. Nope. That's all good. Mhmm.\n\nLovely. It's fine. That's fine. Yep. Lovely.\n\nOh, yeah. Cool. Great. Yes. Yep.\n\nMhmm. Lovely. That's great. Thank you. Mhmm.\n\nToo easy. Wonderful. No. That's all. No.\n\nThat's great. Thank you so much. Too many. Shall do. Thank you.\n\nLovely. Thanks, Dana. See you. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.1999999,"end":1.52,"sentiment":"neutral","sentiment_score":0.034491002559661865},{"text":"Trudy speaking.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.05097241327166557},{"text":"Hi, Diana.","start":5.7599998,"end":6.5,"sentiment":"neutral","sentiment_score":0.1996920183300972},{"text":"Yeah.","start":6.8799996,"end":7.12,"sentiment":"neutral","sentiment_score":0.21028298139572144},{"text":"Well, thank you.","start":7.12,"end":7.68,"sentiment":"positive","sentiment_score":0.4474511245886485}],"sentiment":"neutral","sentiment_score":0.2320506912138727,"num_words":9,"start":1.1999999,"end":7.68},{"sentences":[{"text":"How are you?","start":7.68,"end":8.42,"sentiment":"positive","sentiment_score":0.4003346661726634},{"text":"That's 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all?","start":61.76,"end":63.379997,"sentiment":"neutral","sentiment_score":0.0020036097349865095},{"text":"Okay.","start":64.64,"end":64.88,"sentiment":"neutral","sentiment_score":0.03897128254175186},{"text":"Easy.","start":64.88,"end":65.38,"sentiment":"neutral","sentiment_score":0.06201419606804848}],"sentiment":"neutral","sentiment_score":0.03035424784757197,"num_words":20,"start":58.239998,"end":65.38},{"sentences":[{"text":"Okay.","start":66.325,"end":66.825,"sentiment":"neutral","sentiment_score":0.03677668794989586},{"text":"Oh, perfect.","start":67.284996,"end":67.945,"sentiment":"neutral","sentiment_score":0.18788735568523407},{"text":"Okay.","start":68.165,"end":68.645,"sentiment":"neutral","sentiment_score":0.13004842400550842},{"text":"That's good.","start":68.645,"end":69.385,"sentiment":"neutral","sentiment_score":0.2716986835002899},{"text":"Too 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thanks.","start":104.295,"end":104.955,"sentiment":"neutral","sentiment_score":0.1411248818039894},{"text":"No.","start":107.65,"end":107.89,"sentiment":"neutral","sentiment_score":-0.16798484325408936},{"text":"No.","start":107.89,"end":108.13,"sentiment":"neutral","sentiment_score":-0.1987913548946381},{"text":"Definitely not, unfortunately.","start":108.13,"end":109.27,"sentiment":"neutral","sentiment_score":-0.2602312167485555},{"text":"That's okay.","start":110.21,"end":111.03,"sentiment":"neutral","sentiment_score":-0.23349332064390182}],"sentiment":"neutral","sentiment_score":-0.1480229695638021,"num_words":9,"start":104.295,"end":111.03},{"sentences":[{"text":"Oh, there you 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okay.","start":124.085,"end":126.645,"sentiment":"neutral","sentiment_score":-0.08755782911820072},{"text":"It will do something another time.","start":126.645,"end":128.745,"sentiment":"positive","sentiment_score":0.441604882478714},{"text":"Thanks.","start":129.205,"end":129.705,"sentiment":"positive","sentiment_score":0.444086492061615},{"text":"That's okay.","start":134.245,"end":134.97,"sentiment":"neutral","sentiment_score":-0.09254913032054901}],"sentiment":"neutral","sentiment_score":-0.007672929698053528,"num_words":34,"start":121.125,"end":134.97},{"sentences":[{"text":"No 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got?","start":195.05,"end":195.61,"sentiment":"neutral","sentiment_score":-0.02167912619188428}],"sentiment":"neutral","sentiment_score":0.10154512231903416,"num_words":14,"start":188.685,"end":195.61},{"sentences":[{"text":"What have you got there?","start":195.61,"end":196.59001,"sentiment":"neutral","sentiment_score":-0.014805146120488643},{"text":"Oh, was that that's after that's after Super.","start":199.05,"end":202.155,"sentiment":"neutral","sentiment_score":-0.0003029641229659319},{"text":"Right?","start":202.155,"end":202.655,"sentiment":"neutral","sentiment_score":0.0012539224699139595},{"text":"Oh, okay.","start":207.83499,"end":208.815,"sentiment":"neutral","sentiment_score":0.025637311860919},{"text":"Okay.","start":209.83499,"end":210.315,"sentiment":"neutral","sentiment_score":-0.019219422712922096}],"sentiment":"neutral","sentiment_score":-0.0025376658886671066,"num_words":17,"start":195.61,"end":210.315},{"sentences":[{"text":"So the bay I think my base package now is 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okay.","start":770.175,"end":773.36005,"sentiment":"neutral","sentiment_score":0.0778679017805391},{"text":"Cool.","start":773.36005,"end":773.68,"sentiment":"positive","sentiment_score":0.4921982288360596},{"text":"Yeah.","start":773.68,"end":773.84,"sentiment":"neutral","sentiment_score":0.16855809092521667},{"text":"Yeah.","start":773.84,"end":774.0,"sentiment":"neutral","sentiment_score":0.07588762044906616},{"text":"Yeah.","start":774.0,"end":774.5,"sentiment":"neutral","sentiment_score":0.04705023765563965}],"sentiment":"neutral","sentiment_score":0.11419271491467953,"num_words":13,"start":770.175,"end":774.5},{"sentences":[{"text":"Got it.","start":776.24,"end":777.06,"sentiment":"neutral","sentiment_score":0.11044308915734291},{"text":"Yeah.","start":779.60004,"end":779.92004,"sentiment":"neutral","sentiment_score":0.05152636766433716},{"text":"Well, fix yeah.","start":779.92004,"end":781.04004,"sentiment":"neutral","sentiment_score":0.006978613945345084},{"text":"I mean, 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because I do get notifications from Hub twenty four to say that we've made these changes on your behalf.","start":808.37,"end":813.65,"sentiment":"neutral","sentiment_score":0.06560976916681165}],"sentiment":"neutral","sentiment_score":0.09217209542791048,"num_words":30,"start":796.025,"end":813.65},{"sentences":[{"text":"I what was what's those about?","start":813.65,"end":815.135,"sentiment":"neutral","sentiment_score":0.03366384903589884},{"text":"Is that just still within within what we've already agreed?","start":815.135,"end":818.755,"sentiment":"neutral","sentiment_score":0.053694667667150496},{"text":"Okay.","start":820.335,"end":820.735,"sentiment":"neutral","sentiment_score":0.10461215674877168},{"text":"Got 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all good.","start":1216.06,"end":1217.04,"sentiment":"neutral","sentiment_score":0.200164924065272},{"text":"Mhmm.","start":1227.5951,"end":1228.0951,"sentiment":"neutral","sentiment_score":0.04834903031587601}],"sentiment":"neutral","sentiment_score":0.1559727458017213,"num_words":7,"start":1209.74,"end":1228.0951},{"sentences":[{"text":"Lovely.","start":1240.57,"end":1241.07,"sentiment":"positive","sentiment_score":0.5006880164146423},{"text":"It's fine.","start":1252.825,"end":1253.565,"sentiment":"neutral","sentiment_score":0.15898418426513672},{"text":"That's fine.","start":1267.0,"end":1267.72,"sentiment":"neutral","sentiment_score":0.17080621421337128},{"text":"Yep.","start":1267.72,"end":1268.2,"sentiment":"neutral","sentiment_score":0.13109996914863586},{"text":"Lovely.","start":1268.2,"end":1268.7,"sentiment":"positive","sentiment_score":0.5949093103408813}],"sentiment":"neutral","sentiment_score":0.26946829898016794,"num_words":7,"start":1240.57,"end":1268.7},{"sentences":[{"text":"Oh, yeah.","start":1273.2949,"end":1273.615,"sentiment":"neutral","sentiment_score":0.18936815857887268},{"text":"Cool.","start":1273.615,"end":1274.115,"sentiment":"neutral","sentiment_score":0.26593419909477234},{"text":"Great.","start":1276.335,"end":1276.835,"sentiment":"positive","sentiment_score":0.3741242587566376},{"text":"Yes.","start":1280.495,"end":1280.995,"sentiment":"neutral","sentiment_score":0.17777112126350403},{"text":"Yep.","start":1284.735,"end":1285.23,"sentiment":"neutral","sentiment_score":0.1416720449924469}],"sentiment":"neutral","sentiment_score":0.2230396568775177,"num_words":6,"start":1273.2949,"end":1285.23},{"sentences":[{"text":"Mhmm.","start":1289.79,"end":1290.29,"sentiment":"neutral","sentiment_score":0.11695099622011185},{"text":"Lovely.","start":1292.35,"end":1292.85,"sentiment":"neutral","sentiment_score":0.32515567541122437},{"text":"That's great.","start":1293.3099,"end":1293.95,"sentiment":"positive","sentiment_score":0.5373624265193939},{"text":"Thank you.","start":1293.95,"end":1294.77,"sentiment":"positive","sentiment_score":0.4974746108055115},{"text":"Mhmm.","start":1303.325,"end":1303.825,"sentiment":"neutral","sentiment_score":0.1333727240562439}],"sentiment":"positive","sentiment_score":0.37787906719105585,"num_words":7,"start":1289.79,"end":1303.825},{"sentences":[{"text":"Too easy.","start":1307.805,"end":1308.545,"sentiment":"positive","sentiment_score":0.41811974346637726},{"text":"Wonderful.","start":1308.6849,"end":1309.1849,"sentiment":"positive","sentiment_score":0.6414432525634766},{"text":"No.","start":1311.405,"end":1311.645,"sentiment":"neutral","sentiment_score":0.01623600721359253},{"text":"That's all.","start":1311.645,"end":1312.2,"sentiment":"neutral","sentiment_score":0.019057102967053652},{"text":"No.","start":1314.6799,"end":1315.08,"sentiment":"neutral","sentiment_score":-0.1750759482383728}],"sentiment":"neutral","sentiment_score":0.19385100062936544,"num_words":7,"start":1307.805,"end":1315.08},{"sentences":[{"text":"That's great.","start":1315.08,"end":1315.72,"sentiment":"neutral","sentiment_score":0.18070939183235168},{"text":"Thank you so much.","start":1315.72,"end":1316.7799,"sentiment":"positive","sentiment_score":0.5784626454114914},{"text":"Too many.","start":1317.88,"end":1318.5399,"sentiment":"positive","sentiment_score":0.39858414232730865},{"text":"Shall do.","start":1318.84,"end":1319.58,"sentiment":"positive","sentiment_score":0.3905952572822571},{"text":"Thank you.","start":1320.44,"end":1321.26,"sentiment":"positive","sentiment_score":0.6260101497173309}],"sentiment":"positive","sentiment_score":0.45880403866370517,"num_words":12,"start":1315.08,"end":1321.26},{"sentences":[{"text":"Lovely.","start":1322.36,"end":1322.86,"sentiment":"positive","sentiment_score":0.6409832239151001},{"text":"Thanks, Dana.","start":1322.9199,"end":1323.7999,"sentiment":"positive","sentiment_score":0.437407985329628},{"text":"See you.","start":1323.7999,"end":1324.5199,"sentiment":"neutral","sentiment_score":0.2459869086742401},{"text":"Bye.","start":1324.5199,"end":1325.0199,"sentiment":"neutral","sentiment_score":0.1267412006855011},{"text":"Bye.","start":1325.24,"end":1325.74,"sentiment":"neutral","sentiment_score":0.06755591928958893}],"sentiment":"neutral","sentiment_score":0.31458144741398947,"num_words":7,"start":1322.36,"end":1325.74}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Trudy speaking.\n\nChannel 0: Hi, Trudy. This is Dana from OKIE Financial.\n\nChannel 1: Hi,\n\nChannel 0: How\n\nChannel 1: Diana.\n\nChannel 0: are you today?\n\nChannel 1: Yeah. Well, thank you. How are you?\n\nChannel 0: I'm very well. Thank you. I had you\n\nChannel 1: That's\n\nChannel 0: booked in\n\nChannel 1: good.\n\nChannel 0: to go through your annual review today. Is now\n\nChannel 1: Yes.\n\nChannel 0: still a good time there for you?\n\nChannel 1: Yeah. That's okay. I can do that. Just give me two\n\nChannel 0: Yep.\n\nChannel 1: seconds and I'll just step out of this session that I'm in. Hang on.\n\nChannel 0: Not a problem at all.\n\nChannel 1: Sorry. One one minute.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: Oh, I'll just go find a quiet location.\n\nChannel 0: No. That's\n\nChannel 1: How's\n\nChannel 0: okay.\n\nChannel 1: it going?\n\nChannel 0: You're fine.\n\nChannel 1: Do I need my computer at all?\n\nChannel 0: No. No. That's okay. I'll go\n\nChannel 1: Okay.\n\nChannel 0: through\n\nChannel 1: Easy.\n\nChannel 0: everything with you, and we'll email\n\nChannel 1: Okay.\n\nChannel 0: things through to you later\n\nChannel 1: Oh,\n\nChannel 0: on.\n\nChannel 1: perfect.\n\nChannel 0: That's okay.\n\nChannel 1: Okay.\n\nChannel 0: You're\n\nChannel 1: That's\n\nChannel 0: fine.\n\nChannel 1: good. Too easy. Ready when you are.\n\nChannel 0: Excellent. So, Trudy, just to let you know before we jump into the call, we do record our calls for quality and training purposes. You're happy to proceed with that?\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Yep. Beautiful. And just to do security there with you, we are discussing your personal information. So I'll just get you to confirm for me your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yep. Full name is Britney Ann Keaton. Birth\n\nChannel 0: Yeah.\n\nChannel 1: 1 Turquoise Street, Redland Bay 4165.\n\nChannel 0: Yep.\n\nChannel 1: And did you leave birthday?\n\nChannel 0: Yes, please.\n\nChannel 1: Oh, yeah. '84.\n\nChannel 0: Perfect. And your birthday is next week. Happy\n\nChannel 1: I\n\nChannel 0: birthday\n\nChannel 1: know.\n\nChannel 0: for next week.\n\nChannel 1: Oh, thanks.\n\nChannel 0: Hopefully, you get the day off.\n\nChannel 1: No. No. Definitely not, unfortunately.\n\nChannel 0: Oh,\n\nChannel 1: That's\n\nChannel 0: they don't\n\nChannel 1: okay.\n\nChannel 0: kinda hit the same anymore. Like, I'm an 84 baby as well, so\n\nChannel 1: Oh,\n\nChannel 0: I'm\n\nChannel 1: there\n\nChannel 0: the same\n\nChannel 1: you go.\n\nChannel 0: age as you. They just\n\nChannel 1: Yeah.\n\nChannel 0: don't hit the same anymore. I prefer\n\nChannel 1: Nothing.\n\nChannel 0: a day quiet when no one sort of talks to me and\n\nChannel 1: Yeah. No. I'll be running I'll be in full day of meetings, unfortunately. So\n\nChannel 0: oh,\n\nChannel 1: that's just the way that\n\nChannel 0: wow.\n\nChannel 1: it is at the moment, but that's okay.\n\nChannel 0: Yeah.\n\nChannel 1: It will\n\nChannel 0: Well,\n\nChannel 1: do something\n\nChannel 0: happy\n\nChannel 1: another\n\nChannel 0: birthday.\n\nChannel 1: time. Thanks.\n\nChannel 0: Yeah. No. That's okay. I know you did let me know you are quite time poor with this one, so I'll try to run\n\nChannel 1: That's\n\nChannel 0: through\n\nChannel 1: okay.\n\nChannel 0: things as quickly as I can. I\n\nChannel 1: No\n\nChannel 0: just wanna\n\nChannel 1: trouble.\n\nChannel 0: make sure we touch base on everything. I did\n\nChannel 1: Yeah.\n\nChannel 0: do a bit of a look at things beforehand, and it looks like some definitely some advice I wanna try and update for you as well.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Cool.\n\nChannel 0: I'll just start by running through any changes to your circumstances there. So\n\nChannel 1: Yep.\n\nChannel 0: having a bit of a look, you're still at the same role working for RACQ then. You're looking\n\nChannel 1: Yep.\n\nChannel 0: after the roadside assistance side of things as a manager. Is that\n\nChannel 1: I've\n\nChannel 0: right?\n\nChannel 1: changed I've changed\n\nChannel 0: Yes.\n\nChannel 1: role.\n\nChannel 0: Okay.\n\nChannel 1: So I'm working in the transformation division now.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: So we're just working on yeah. Yeah. It's on the title is weird. It's business it's head of business design and implementation, but basically, it's in the transformation area of the business, and we've just worked on the sale of the insurance\n\nChannel 0: Yeah.\n\nChannel 1: business.\n\nChannel 0: Okay.\n\nChannel 1: So I'm\n\nChannel 0: Yep.\n\nChannel 1: just leaving that next phase of that program from a business to line.\n\nChannel 0: Yeah. Perfect. Well, congratulations. Did\n\nChannel 1: Thanks.\n\nChannel 0: that come with a pay rise at all?\n\nChannel 1: Yeah. It did.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Perfect.\n\nChannel 1: it's nice.\n\nChannel 0: How much yeah. How much even now?\n\nChannel 1: Oh, god. I can't remember. What have I got? What have you got there?\n\nChannel 0: 180,000.\n\nChannel 1: Oh, was that that's after that's after Super. Right?\n\nChannel 0: It doesn't tell me it's before or after. It just says a 180,000 total, so I'm assuming\n\nChannel 1: Oh,\n\nChannel 0: it's\n\nChannel 1: okay.\n\nChannel 0: included. Yeah.\n\nChannel 1: Okay. So the bay I think my base package now is about $2.10 or $2.30. I can't remember.\n\nChannel 0: Yep. That's okay.\n\nChannel 1: Put\n\nChannel 0: So\n\nChannel 1: 2\n\nChannel 0: either\n\nChannel 1: tens\n\nChannel 0: two\n\nChannel 1: for\n\nChannel 0: 10\n\nChannel 1: now.\n\nChannel 0: yeah. Perfect. And super on top of that?\n\nChannel 1: No. That would be inclusive.\n\nChannel 0: Inclusive. Perfect. Inclusive. Excellent. Not a problem at all.\n\nThank you for that, and congratulations.\n\nChannel 1: Alright.\n\nChannel 0: I'm glad you\n\nChannel 1: Thanks.\n\nChannel 0: got a pay rise to go with\n\nChannel 1: Yep.\n\nChannel 0: it.\n\nChannel 1: It's\n\nChannel 0: It sounds\n\nChannel 1: always\n\nChannel 0: like\n\nChannel 1: good.\n\nChannel 0: you're extremely busy, so well deserved. How's everything going expenditure wise? Are you managing to put money away at the moment, or is everything\n\nChannel 1: Well,\n\nChannel 0: going towards the cost of living?\n\nChannel 1: no. So we're actually just, we signed a contract on a property last week.\n\nChannel 0: Yep.\n\nChannel 1: That would buy our first home, so that's\n\nChannel 0: Fantastic.\n\nChannel 1: exciting. Yeah.\n\nChannel 0: Congratulations on\n\nChannel 1: Thanks.\n\nChannel 0: that one. It's all happening. This is the\n\nChannel 1: It\n\nChannel 0: year.\n\nChannel 1: is. It's a little bit terrifying, but also very exciting. We did end up\n\nChannel 0: Absolutely.\n\nChannel 1: using families as a guarantor to do\n\nChannel 0: Yep.\n\nChannel 1: the 20%. So we've said we've paid out or with our money, we've paid out the car\n\nChannel 0: Yes.\n\nChannel 1: loan\n\nChannel 0: Yeah.\n\nChannel 1: to get rid of that and have put down the well, roughly, which will be $1,010,000 dollars of deposit.\n\nChannel 0: Perfect.\n\nChannel 1: And\n\nChannel 0: Yep.\n\nChannel 1: then the I think and then there's, like, the the 20% is coming from a\n\nChannel 0: Yep.\n\nChannel 1: guarantee. So\n\nChannel 0: Yep.\n\nChannel 1: my husband's mom.\n\nChannel 0: Oh, wow.\n\nChannel 1: So we're doing it through that way. Like, so she's putting that\n\nChannel 0: Yep.\n\nChannel 1: through her mortgage or however\n\nChannel 0: Okay.\n\nChannel 1: that's working. But then, yeah, we'll obviously pay the mortgage.\n\nChannel 0: Yeah. No. That is fantastic. And family help is one if if\n\nChannel 1: Yeah.\n\nChannel 0: it helps you get into the market and stops you from paying rent, that's a benefit.\n\nChannel 1: Yeah. Correct. Yeah.\n\nChannel 0: You\n\nChannel 1: Exactly.\n\nChannel 0: know? I I sort of look at my kids who are 19 and 20. I don't know how they're\n\nChannel 1: Yeah.\n\nChannel 0: gonna be able to afford a house without my help,\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: know.\n\nChannel 0: it's definitely\n\nChannel 1: That's it.\n\nChannel 0: on the cards\n\nChannel 1: Yeah.\n\nChannel 0: moving forward for a lot\n\nChannel 1: Totally.\n\nChannel 0: of people. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So we've got rid of the car loan, which is\n\nChannel 1: Yep.\n\nChannel 0: fantastic. Cars I had valued at about 65,000.\n\nChannel 1: You\n\nChannel 0: Would\n\nChannel 1: sound\n\nChannel 0: you value them about the same? Yep.\n\nChannel 1: about right.\n\nChannel 0: Perfect.\n\nChannel 1: Probably yeah. That or a bit lower,\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: That's\n\nChannel 1: that's\n\nChannel 0: okay.\n\nChannel 1: okay.\n\nChannel 0: Excellent. And with the house that you just purchased there as well, what\n\nChannel 1: Yep.\n\nChannel 0: sort of value or how much did you end up purchasing that for?\n\nChannel 1: We purchased it for 1.07\n\nChannel 0: Yep. Perfect. Excellent.\n\nChannel 1: 5.\n\nChannel 0: And loan is about fairly similar minus that 30 odd thousand.\n\nChannel 1: Pretty much.\n\nChannel 0: Yep. 30,000. Perfect. And I've put down here you have the credit card. I believe we had the limit as about 20,000.\n\nDo you still have the credit card for the same limit?\n\nChannel 1: I paid out for mine. I've\n\nChannel 0: Yep.\n\nChannel 1: got no. I paid out one. So I've got five and 8. So 13.\n\nChannel 0: Okay. Perfect. So 13 combined\n\nChannel 1: Yeah.\n\nChannel 0: and 8,000. Excellent. And contents,\n\nChannel 1: Oh,\n\nChannel 0: we\n\nChannel 1: yeah.\n\nChannel 0: had\n\nChannel 1: Sorry.\n\nChannel 0: a value\n\nChannel 1: So sorry.\n\nChannel 0: sorry.\n\nChannel 1: Just\n\nChannel 0: You're at\n\nChannel 1: the total. Oh, was that sorry. Do you have is it just mine or mine and my husband's?\n\nChannel 0: It doesn't say. It just says credit cards, plural, and then it has a total of 20,000 there. So I\n\nChannel 1: Okay.\n\nChannel 0: wasn't\n\nChannel 1: Maybe\n\nChannel 0: really sure. Yeah.\n\nChannel 1: well, I think Angus is as well. Yeah. Leave it at twenty then because I think\n\nChannel 0: Yep.\n\nChannel 1: he's got I've got 13, and I think he's\n\nChannel 0: Yep.\n\nChannel 1: got one that's, like, eight. So\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: Perfect.\n\nChannel 1: will probably be at twenty. That's okay. But we've\n\nChannel 0: Yeah.\n\nChannel 1: been\n\nChannel 0: That's\n\nChannel 1: sort\n\nChannel 0: it.\n\nChannel 1: of, like,\n\nChannel 0: Yep.\n\nChannel 1: trucking, like, a thousand bucks a month, and then it's, like, reducing the limits just, like, getting rid of them.\n\nChannel 0: Yep. Yeah. Perfect. How much do you have total to pay off all the credit cards?\n\nChannel 1: Oh, god. I don't know.\n\nChannel 0: Don't wanna know. That's okay.\n\nChannel 1: I'm not sure. Not sure\n\nChannel 0: No.\n\nChannel 1: right\n\nChannel 0: That's\n\nChannel 1: now.\n\nChannel 0: that's absolutely fine, honestly. I also\n\nChannel 1: Yeah.\n\nChannel 0: had your contents noted. Total value of contents estimated 80,000. Would you keep\n\nChannel 1: I think\n\nChannel 0: that about\n\nChannel 1: that's\n\nChannel 0: the\n\nChannel 1: about\n\nChannel 0: same\n\nChannel 1: right.\n\nChannel 0: or yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: I\n\nChannel 0: Do\n\nChannel 1: got\n\nChannel 0: you have any other\n\nChannel 1: a\n\nChannel 0: assets that you wanna note\n\nChannel 1: thing.\n\nChannel 0: down? Anything else that value\n\nChannel 1: No.\n\nChannel 0: shares, cryptocurrency collections? No.\n\nChannel 1: No. No.\n\nChannel 0: Easy. Perfect. Now I've also got down to the estate planning side of things. So when we sort of caught up last time, you hadn't\n\nChannel 1: Yeah.\n\nChannel 0: drawn up a will. Have you guys talked about drawing\n\nChannel 1: I\n\nChannel 0: up\n\nChannel 1: haven't\n\nChannel 0: a will\n\nChannel 1: done\n\nChannel 0: now\n\nChannel 1: that\n\nChannel 0: that\n\nChannel 1: yet.\n\nChannel 0: you have your home? No.\n\nChannel 1: No.\n\nChannel 0: That's\n\nChannel 1: I haven't\n\nChannel 0: okay.\n\nChannel 1: done that yet, but I think we that's definitely something that we probably would need to do.\n\nChannel 0: Yes. Perfect. So\n\nChannel 1: And we can\n\nChannel 0: what\n\nChannel 1: do that\n\nChannel 0: I\n\nChannel 1: through you guys, can't we? We've\n\nChannel 0: we don't do the\n\nChannel 1: we\n\nChannel 0: will\n\nChannel 1: can\n\nChannel 0: for\n\nChannel 1: help.\n\nChannel 0: you. However,\n\nChannel 1: Oh,\n\nChannel 0: we\n\nChannel 1: okay.\n\nChannel 0: can refer you through to a solicitor. So if you\n\nChannel 1: Oh,\n\nChannel 0: like\n\nChannel 1: okay.\n\nChannel 0: after the call, I can get my team to email you just some details of the\n\nChannel 1: Okay.\n\nChannel 0: the sort of\n\nChannel 1: Well\n\nChannel 0: we use,\n\nChannel 1: yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: a bit of\n\nChannel 1: Okay.\n\nChannel 0: a costing\n\nChannel 1: No worries.\n\nChannel 0: to\n\nChannel 1: Yep.\n\nChannel 0: start the\n\nChannel 1: Do\n\nChannel 0: conversation\n\nChannel 1: that.\n\nChannel 0: how\n\nChannel 1: That's\n\nChannel 0: much it\n\nChannel 1: fine.\n\nChannel 0: might cost\n\nChannel 1: I've\n\nChannel 0: it up\n\nChannel 1: just\n\nChannel 0: or will.\n\nChannel 1: got a I've got\n\nChannel 0: Yeah.\n\nChannel 1: a well,\n\nChannel 0: Perfect.\n\nChannel 1: I've got in contact with the soliciting firm, but I think they're just purely conveyancing. So that's that's\n\nChannel 0: Yeah.\n\nChannel 1: okay.\n\nChannel 0: No. That's okay. I'll send that email through. If you\n\nChannel 1: Okay.\n\nChannel 0: decide you want us to help you out with the referral,\n\nChannel 1: Great.\n\nChannel 0: absolutely fine. But it's great\n\nChannel 1: Mhmm.\n\nChannel 0: to start the conversation, and it gives you an idea of what the cost might look like as well so you\n\nChannel 1: Yeah.\n\nChannel 0: can make sure it's within your budget. Yeah.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Excellent. And with your beneficiaries on, obviously, your MetLife and your\n\nChannel 1: Uh-huh.\n\nChannel 0: super policy, you have it\n\nChannel 1: Yep.\n\nChannel 0: noted down here, 50% to go to Angus if anything\n\nChannel 1: Yes.\n\nChannel 0: happens to you. And then I've got 25% to each of your children,\n\nChannel 1: Yep.\n\nChannel 0: Hunter and\n\nChannel 1: Correct.\n\nChannel 0: Isabella. With\n\nChannel 1: Isabelle.\n\nChannel 0: the kids, are they both\n\nChannel 1: Yeah.\n\nChannel 0: minors?\n\nChannel 1: No. Hunter's 22.\n\nChannel 0: Okay. So just so you're fully aware, if in the event\n\nChannel 1: Yes.\n\nChannel 0: of you passing with the beneficiaries,\n\nChannel 1: Yep.\n\nChannel 0: the way they are set up, Angus does get his portion completely tax free.\n\nChannel 1: Yep.\n\nChannel 0: With Hunter sorry. Hunter was the one that\n\nChannel 1: Oh,\n\nChannel 0: was 22 years of age.\n\nChannel 1: yes. Yes.\n\nChannel 0: Yeah. So with Hunter's portion, because he is over he's technically non not a tax dependent. He is still able to be a beneficiary. But on the taxable component of what he receives, he's actually required to pay tax on that amount. It's marginal tax rate plus the Medicare levy, so it can be quite, yeah,\n\nChannel 1: Why?\n\nChannel 0: significant.\n\nChannel 1: Why is that?\n\nChannel 0: It's because he's a nontax dependent. So anyone who is a nontax dependent on inheritance\n\nChannel 1: Uh-huh.\n\nChannel 0: received does have to pay tax. But Isabella,\n\nChannel 1: That's it.\n\nChannel 0: because she is a minor, she receives her\n\nChannel 1: Yeah.\n\nChannel 0: benefit tax free.\n\nChannel 1: Okay.\n\nChannel 0: And with\n\nChannel 1: Okay.\n\nChannel 0: Isabella's benefit, she actually doesn't receive\n\nChannel 1: Let\n\nChannel 0: that total. She won't receive the money. It\n\nChannel 1: me\n\nChannel 0: will\n\nChannel 1: check.\n\nChannel 0: go to either\n\nChannel 1: The trust.\n\nChannel 0: Angus or\n\nChannel 1: Yep.\n\nChannel 0: a trust or however\n\nChannel 1: Yep.\n\nChannel 0: that's structured up, but 25% is held for her. Would\n\nChannel 1: Yeah.\n\nChannel 0: you like\n\nChannel 1: Okay.\n\nChannel 0: me to\n\nChannel 1: That's\n\nChannel 0: because\n\nChannel 1: what we need\n\nChannel 0: I've\n\nChannel 1: to do\n\nChannel 0: sort\n\nChannel 1: all this.\n\nChannel 0: of yeah. Did because I've sort of readjusted and I've had a look at everything, and there is some advice to provide moving forward. Did you want me to account for the estate planning side of the things? And I can recommend how to note those beneficiaries so that everyone gets it to the best,\n\nChannel 1: Yeah.\n\nChannel 0: you know,\n\nChannel 1: Sure.\n\nChannel 0: the best tax advantage.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Do I\n\nChannel 0: Perfect.\n\nChannel 1: need to put that in the wheel? Is that what you would put in the wheel then?\n\nChannel 0: So for Hunter, absolutely. I would I would\n\nChannel 1: Okay.\n\nChannel 0: be trying to have his portion sent through to your will and then have your\n\nChannel 1: Yep.\n\nChannel 0: will separated. So on in the event of anything happening, your life and super goes to there for his portion, and then he\n\nChannel 1: Got\n\nChannel 0: gets\n\nChannel 1: it.\n\nChannel 0: that directed out while there are\n\nChannel 1: Rather\n\nChannel 0: still\n\nChannel 1: than\n\nChannel 0: taxes\n\nChannel 1: getting\n\nChannel 0: to\n\nChannel 1: taxed\n\nChannel 0: be consumed.\n\nChannel 1: on it. Yeah.\n\nChannel 0: Yeah. While there are\n\nChannel 1: Okay.\n\nChannel 0: still taxes, you it gets sort of looked after by your estate within the trust,\n\nChannel 1: Yep.\n\nChannel 0: and he doesn't have to pay the Medicare levy side of that. So\n\nChannel 1: Okay.\n\nChannel 0: it does\n\nChannel 1: Cool.\n\nChannel 0: alleviate some of that pressure on him.\n\nChannel 1: Okay.\n\nChannel 0: And with Isabelle, the same thing. If you want her to have that money, having her nominated inside super means that it gets paid to either a trust or to Angus to\n\nChannel 1: Mhmm.\n\nChannel 0: cover.\n\nChannel 1: I'm good. Okay.\n\nChannel 0: However, if you have that directed into the trust, you can set up inside your trust, the testamentary\n\nChannel 1: Yeah.\n\nChannel 0: trust where any money for her gets set up. He can be, you know, set up as the executor of that trust and making\n\nChannel 1: Sure.\n\nChannel 0: sure that you can direct money to her so it lasts longer for her, if\n\nChannel 1: Great.\n\nChannel 0: that makes sense.\n\nChannel 1: Yep. That's fine. Okay. I think\n\nChannel 0: Yeah.\n\nChannel 1: that's probably what yeah. Something if you can send\n\nChannel 0: Yeah.\n\nChannel 1: through some advice on that, that would be helpful. And then I guess\n\nChannel 0: Yeah.\n\nChannel 1: it's the conversation with Angus and I and how we structure, you know,\n\nChannel 0: Yeah.\n\nChannel 1: the wheels and all the rest of it because he will probably do something similar with his you know?\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Okay. That makes sense.\n\nChannel 0: Absolutely. I will account for that in the advice update for you. It's not a problem\n\nChannel 1: Okay.\n\nChannel 0: at all. Perfect.\n\nChannel 1: Thank you.\n\nChannel 0: Excellent.\n\nChannel 1: Cool.\n\nChannel 0: And you've got the same benefits used on your super. I'll account for that as well,\n\nChannel 1: Yep.\n\nChannel 0: making sure everything is directed how you want it to be, but in the most\n\nChannel 1: Yep.\n\nChannel 0: tax advantage way for everybody. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Excellent. Now having a look at your there as well, at the moment, given you you got your balance there, which is up to 319,800 and\n\nChannel 1: Yep.\n\nChannel 0: 43, I did\n\nChannel 1: That's how\n\nChannel 0: go through\n\nChannel 1: I\n\nChannel 0: and have a look at how everything is invested. Most of your investments have been performing\n\nChannel 1: went.\n\nChannel 0: quite well.\n\nChannel 1: That's what I thought.\n\nChannel 0: The only yeah. As a whole, over the total of the year, your earnings are over 20\n\nChannel 1: Yeah.\n\nChannel 0: 5,800\n\nChannel 1: Yep.\n\nChannel 0: dollars. So your portfolio\n\nChannel 1: Yeah. Because\n\nChannel 0: has worked. That's the growth in the income. So it gives you about a 6.89% return\n\nChannel 1: yep.\n\nChannel 0: there\n\nChannel 1: Oh, that's\n\nChannel 0: after\n\nChannel 1: pretty\n\nChannel 0: fees.\n\nChannel 1: good. Yeah. Yep.\n\nChannel 0: Yeah. The only thing I've sort of noticed I'm looking at here is inside your portfolio, you have the Benelon Australian Equities portion. Unfortunately, late last year, Benelon had a bit of an issue\n\nChannel 1: Oh,\n\nChannel 0: with one\n\nChannel 1: yeah.\n\nChannel 0: of their underlying investments, the corporate\n\nChannel 1: Yep.\n\nChannel 0: traveler.\n\nChannel 1: Mhmm.\n\nChannel 0: With what's\n\nChannel 1: Oh,\n\nChannel 0: happened\n\nChannel 1: yes.\n\nChannel 0: with\n\nChannel 1: Of\n\nChannel 0: them, they've had to reevaluate that. There was a bit of a trading halt with Benelon\n\nChannel 1: course.\n\nChannel 0: and corporate travel, which sort of meant that Bennelong have had to reevaluate that part quarter portion, sorry, of their investments. And Amenta\n\nChannel 1: Sure.\n\nChannel 0: analysts have now also gone back and reevaluated Bennelong as an investment. So that part\n\nChannel 1: Mhmm.\n\nChannel 0: of your portfolio is actually down pretty heavily by that 19\n\nChannel 1: Yeah.\n\nChannel 0: percent.\n\nChannel 1: Okay.\n\nChannel 0: It is holding your\n\nChannel 1: Shit.\n\nChannel 0: returns back for the year. What I would like to do is go back to the drawing board. I've got a few options. I wanna remove Benelon out of there for you as it is underperforming\n\nChannel 1: Yes.\n\nChannel 0: and maybe\n\nChannel 1: Yep.\n\nChannel 0: replace it with something else. Are you comfortable\n\nChannel 1: Yep.\n\nChannel 0: with that?\n\nChannel 1: Yeah. That's fine. Isn't that hub twenty four that manage all that?\n\nChannel 0: No. That's all of us. So\n\nChannel 1: Oh, it's\n\nChannel 0: we\n\nChannel 1: all\n\nChannel 0: do\n\nChannel 1: you guys,\n\nChannel 0: all the\n\nChannel 1: but\n\nChannel 0: management.\n\nChannel 1: it's through\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: okay.\n\nChannel 0: So\n\nChannel 1: Cool.\n\nChannel 0: Hub\n\nChannel 1: Yeah.\n\nChannel 0: 20\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: four is, like, the vehicle to hold the investments,\n\nChannel 1: Got it.\n\nChannel 0: and then we do all the management of the investments there.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Well, fix yeah. I mean, absolutely. If it's not performing\n\nChannel 0: Yeah.\n\nChannel 1: and it looks like there's some concerns there, I don't wanna lose. Yeah.\n\nChannel 0: No. Absolutely.\n\nChannel 1: I would have expected that to be sort of adjusted from your end. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Cool.\n\nChannel 0: Well, we actually can't do that straight straight up, and that's why we have to go through the review with you. So\n\nChannel 1: Okay.\n\nChannel 0: because\n\nChannel 1: Perfect.\n\nChannel 0: when you came on board, you were recommended those those investments as\n\nChannel 1: I\n\nChannel 0: a whole,\n\nChannel 1: see.\n\nChannel 0: we have to kind of keep them until we talk to you and get approval\n\nChannel 1: Okay.\n\nChannel 0: to to update things. But\n\nChannel 1: So\n\nChannel 0: if you're\n\nChannel 1: what\n\nChannel 0: open to moving you're\n\nChannel 1: yep.\n\nChannel 0: right. Sorry.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: was gonna say, because I do get notifications from Hub twenty four to say that we've made\n\nChannel 0: Yeah.\n\nChannel 1: these changes on your behalf. I what\n\nChannel 0: Yep.\n\nChannel 1: was what's those about? Is that just still within within what we've already agreed?\n\nChannel 0: That's correct. Yes.\n\nChannel 1: Okay.\n\nChannel 0: So what\n\nChannel 1: Got\n\nChannel 0: happens\n\nChannel 1: it.\n\nChannel 0: is when money goes into Hub twenty four, we\n\nChannel 1: Yep.\n\nChannel 0: have a direction inside Hub twenty four, which tells them how we want the money invested on a regular basis. So when money goes in, when they do their cash changes, they invest the money as per our instructions,\n\nChannel 1: Okay.\n\nChannel 0: but we built the portfolio and we manage it for you.\n\nChannel 1: Okay.\n\nChannel 0: If you're open to depending on sort of what you wanna see, if you're happy looking at your investments the way they are structured, that's absolutely fine. I do wanna remove Ben along, though.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: I\n\nChannel 0: if you're\n\nChannel 1: do.\n\nChannel 0: also open to and you're happy for us to maybe have more control around the investment and what's happening in the market there is that we have set up our own SMA, which is the separately managed account. If you\n\nChannel 1: Okay.\n\nChannel 0: are open to if you went into that SMA product, inside your hub 24, all you would see is your balance and that you're in this SMA. Inside that SMA, we then have anywhere between 20 to 50 different investment options,\n\nChannel 1: Okay.\n\nChannel 0: and we've built that along with utilizing BlackRock, which is one of Australia's largest investment firms, and they've helped\n\nChannel 1: Yep.\n\nChannel 0: us to build that. We have a lot of control there, but being inside this estimate essentially gives us control over maneuvering and making\n\nChannel 1: Making\n\nChannel 0: changes\n\nChannel 1: those changes.\n\nChannel 0: to your portfolio.\n\nChannel 1: Okay. I see.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: So, like, if something happened like that again, like what's happened with Bannalong, then we can remove that quickly, put something else in\n\nChannel 1: Okay.\n\nChannel 0: there. We don't have to call you and talk to you about it, but\n\nChannel 1: Okay.\n\nChannel 0: it it essentially gives us more control to make changes to the underlying investments depending on market structures.\n\nChannel 1: Right.\n\nChannel 0: Did you want me to look at something like that for you, or did you wanna see where your money's invested and see a bit more clarity there?\n\nChannel 1: I'm not sure. I suppose I don't want it to be moved around all the time, but I also\n\nChannel 0: No.\n\nChannel 1: don't want to if something's happening, like, with this spend along, you were saying that that declined significantly. Did that\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: in did that in so I still had growth over last year, 6.7%.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: So even after the banner long had the issues, you're still up over\n\nChannel 1: Got\n\nChannel 0: six\n\nChannel 1: it.\n\nChannel 0: percent, and it's giving you earnings\n\nChannel 1: Okay.\n\nChannel 0: of 25,000. So, look, it hasn't made a huge\n\nChannel 1: Okay.\n\nChannel 0: impact, but the impact\n\nChannel 1: Yep.\n\nChannel 0: is still definitely there. Yeah.\n\nChannel 1: Sure. I think for me,\n\nChannel 0: Yeah.\n\nChannel 1: provided that it is returning, you know, as close to, you know, sort of the top mark, you know I mean, what what's my is is sort of like a, you know, eight to 10% kind of where you should be seeing a return on a manual basis or is that sort of\n\nChannel 0: Yeah. So the portfolio you're in at the moment is, you're in a growth portfolio.\n\nChannel 1: yeah. That's\n\nChannel 0: So\n\nChannel 1: what I thought.\n\nChannel 0: with the way you would expect, the average returns you'd sort of hope or expect to get on a regular basis is between 79%.\n\nChannel 1: That's\n\nChannel 0: So\n\nChannel 1: sort\n\nChannel 0: having\n\nChannel 1: of what I was\n\nChannel 0: six\n\nChannel 1: thinking.\n\nChannel 0: point eight nine, you are slightly\n\nChannel 1: Oh,\n\nChannel 0: underperforming\n\nChannel 1: like, because I said\n\nChannel 0: for\n\nChannel 1: along.\n\nChannel 0: the year,\n\nChannel 1: Right.\n\nChannel 0: which is being pulled down by that Benelon investment.\n\nChannel 1: Got it.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Okay. I look I mean, I think provided that it is performing around, you know, sort of where that needs to be, then I'm okay\n\nChannel 0: Yeah.\n\nChannel 1: with the way that it is. But I guess what I probably would need to understand is if there is something that's significantly impacting that, then I'd expect to be advised so that we can make that change. Do you know what I in that, then I'd expect to be advised so that we can make that change. Do you know what\n\nChannel 0: Yeah.\n\nChannel 1: I mean?\n\nChannel 0: Yeah.\n\nChannel 1: Does that\n\nChannel 0: So\n\nChannel 1: make sense?\n\nChannel 0: you\n\nChannel 1: Is\n\nChannel 0: you\n\nChannel 1: that okay.\n\nChannel 0: yeah. No. That's perfect. So you would like to be able to see you want visibility over where your funds are invested. You wanna know\n\nChannel 1: Yeah.\n\nChannel 0: when there's something we have to move out, but you wanna\n\nChannel 1: Yeah.\n\nChannel 0: be involved in that. Yep.\n\nChannel 1: Yeah. Yeah. I think that would be good. I think that's good for\n\nChannel 0: Yeah.\n\nChannel 1: me too to understand a little bit more\n\nChannel 0: No.\n\nChannel 1: as well.\n\nChannel 0: That's absolutely okay. So with\n\nChannel 1: Cool.\n\nChannel 0: where we're sort of looking at things, the estimate doesn't sound like it's gonna be the right fit\n\nChannel 1: Not\n\nChannel 0: for you\n\nChannel 1: right.\n\nChannel 0: at the moment,\n\nChannel 1: Not\n\nChannel 0: but\n\nChannel 1: right now.\n\nChannel 0: I can absolutely pull out the Benelon. I'll put something else in its place. What I'll do is I'll update the advice document to reflect\n\nChannel 1: Yep. Okay.\n\nChannel 0: what we're gonna put in there. I'll explain\n\nChannel 1: Yep.\n\nChannel 0: it, and we'll go through it together, and then you can tell me whether you're comfortable proceeding with that.\n\nChannel 1: Okay.\n\nChannel 0: Does that sound\n\nChannel 1: Too easy.\n\nChannel 0: okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's fine. Because\n\nChannel 0: Beautiful.\n\nChannel 1: I think my husband\n\nChannel 0: The\n\nChannel 1: had a VIN we had we opened up\n\nChannel 0: yeah.\n\nChannel 1: a VIN card account earlier in the year, and it was\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: merely just to put probably, like, last year. And it was just purely to put money into, which helps us because we've taken it out now to go to the toilet, etcetera. But, you know,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: the vendor generally returns on 10 on average about 10%, but my husband's\n\nChannel 0: That's it.\n\nChannel 1: noticed in the last sort of how many months because of all of the shit going on in The US, it\n\nChannel 0: Yep.\n\nChannel 1: actually hasn't gone as, you know, it it we we haven't seen the return as much in the last couple of months as what\n\nChannel 0: Correct.\n\nChannel 1: we had prior.\n\nChannel 0: Yeah.\n\nChannel 1: So I kind of that's the case. Yeah. We're sort of trying to educate us a little bit on\n\nChannel 0: No.\n\nChannel 1: that as well,\n\nChannel 0: That's\n\nChannel 1: so it's good\n\nChannel 0: perfect.\n\nChannel 1: if I can get a little bit involved.\n\nChannel 0: Absolutely. And, look, if you guys ever want information like that, email me. Once I've emailed\n\nChannel 1: Okay.\n\nChannel 0: you the details on on the solicitor, you'll have my email address. You're welcome to email\n\nChannel 1: Okay.\n\nChannel 0: me and ask me random questions about your investments, about the market as a whole, about anything\n\nChannel 1: Cool.\n\nChannel 0: you like, and I'll come back\n\nChannel 1: Yep.\n\nChannel 0: and help you to educate you. It's\n\nChannel 1: Okay.\n\nChannel 0: not a problem at all. Yeah.\n\nChannel 1: Too easy. Okay. That's great.\n\nChannel 0: Excellent.\n\nChannel 1: Thanks.\n\nChannel 0: The other thing I am looking at in here is you do have some bank hybrids. This is a great defensive investment. We use it in our portfolios as cash producing. However, moving forward,\n\nChannel 1: Mhmm.\n\nChannel 0: the government is\n\nChannel 1: Okay.\n\nChannel 0: phasing out bank hybrids. So because we are looking at moving then along and making that change, then now it might also be worth making a change and maybe changing the bank hybrids\n\nChannel 1: Okay.\n\nChannel 0: into something else defensive. That way, you don't have to make this change down the track.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Are you\n\nChannel 1: Sure.\n\nChannel 0: comfortable with me\n\nChannel 1: That's\n\nChannel 0: assessing\n\nChannel 1: fine.\n\nChannel 0: that for you as well? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Excellent. And we're working towards your goal of being able to retire. I had around about sort of 60 to 65. Is that still your goal retirement age?\n\nYeah. Six\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: yep.\n\nChannel 1: Sure. Yeah. I like\n\nChannel 0: Perfect.\n\nChannel 1: working.\n\nChannel 0: What I'll do is I'll work on 60, and then if any\n\nChannel 1: Yeah.\n\nChannel 0: it kinda\n\nChannel 1: Okay.\n\nChannel 0: gives you the idea of where we're tracking for,\n\nChannel 1: Yep.\n\nChannel 0: and then you always get the option to, you know, keep working if you want to. You don't have\n\nChannel 1: Yep.\n\nChannel 0: to. With the old advice documents, we used to kinda project out all the way to 60. Nowadays,\n\nChannel 1: Sure.\n\nChannel 0: because\n\nChannel 1: Yes.\n\nChannel 0: everything's changing with the legislation requirements around our job, we only project out by ten years because\n\nChannel 1: Sure.\n\nChannel 0: there's too many factors beyond that. So I'll show you the effect\n\nChannel 1: Mhmm.\n\nChannel 0: over the next ten years, and we can kinda go from there for you.\n\nChannel 1: Sounds good.\n\nChannel 0: Is that okay? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: With the insurances you do have there at the moment as well, you've got your life and TPD with MetLife there.\n\nChannel 1: Yes.\n\nChannel 0: Account sum insured is a bit over 1,000,000, so a million and 75,250. Are you still comfortable with those levels of cover? Are you still happy with how much that would pay out?\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Yep. Perfect. And we've also got your employer pay policy retained there as\n\nChannel 1: Yes.\n\nChannel 0: well, which\n\nChannel 1: Correct.\n\nChannel 0: does give you three months worth of salary plus cover as a benefit. You got\n\nChannel 1: Yes.\n\nChannel 0: a bit of trauma there as well, so three times the monthly benefit in that and some salary continuance to pay 75,000 of your salary up to 12,000 per month as a cap, which is a good\n\nChannel 1: Yep.\n\nChannel 0: employer\n\nChannel 1: Yeah.\n\nChannel 0: paid policy. The benefit is they pay for it, you don't, so\n\nChannel 1: Totally.\n\nChannel 0: that's always a win.\n\nChannel 1: Yep. Exactly.\n\nChannel 0: Beautiful. So happy to retain the insurances as they are at the moment.\n\nChannel 1: Yes.\n\nChannel 0: You're not looking for anything additional there?\n\nChannel 1: Nope. That's all good.\n\nChannel 0: Nope. Perfect. Perfect. Well, that's basically everything I need to run through at the moment. So what I'll do is I'll send a bit of a recap email afterwards just going through the things that we spoke about today.\n\nI'm just recapping\n\nChannel 1: Mhmm.\n\nChannel 0: where I'm gonna touch on the advice for you. If you have any questions or wanna alter anything, let me know. I'll also send out to you the email introduction details to this list so that I can start that conversation there\n\nChannel 1: Lovely.\n\nChannel 0: for you. And if there's anything else we may have missed or anything else you want me to touch on, let me know. I'll always make time to come back and we can revisit. It'll just take me a couple of weeks to put some advice together\n\nChannel 1: It's\n\nChannel 0: for you\n\nChannel 1: fine.\n\nChannel 0: just to update into the research around the investments. But once that's ready, we'll come back. We'll look at it together. It'll have the recommendations, the advantages, disadvantages, and the risks involved, and then you get to decide whether you take all, some, or none of it. Is that okay?\n\nChannel 1: That's fine. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Lovely.\n\nChannel 0: Perfect. Excellent. I'm also gonna get the team just to send out the annual review documents to you, which will\n\nChannel 1: Oh, yeah.\n\nChannel 0: have\n\nChannel 1: Cool.\n\nChannel 0: a copy of everything we've gone through just so you can run your eyes\n\nChannel 1: Great.\n\nChannel 0: over it. It looks like you've already signed the ongoing service agreement for the year, and\n\nChannel 1: Yes.\n\nChannel 0: that's just letting you know that you do pay the 1.65% per annum.\n\nChannel 1: Yep.\n\nChannel 0: As an ongoing client, you're entitled to update end of advice at no additional charge, and we're here\n\nChannel 1: Mhmm.\n\nChannel 0: to make sure we're working harder towards your goals. That\n\nChannel 1: Lovely.\n\nChannel 0: make sense?\n\nChannel 1: That's great.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: The team will also just have the financial services guide attached there. Feel free to flick through. It has all my details, my licensing information. I'm registered through Aviso and a bit of\n\nChannel 1: Mhmm.\n\nChannel 0: detail and a lovely photo with of me so you can see what I look like. Okay.\n\nChannel 1: Too easy. Wonderful.\n\nChannel 0: Excellent. Is there anything else I can help\n\nChannel 1: No.\n\nChannel 0: you with?\n\nChannel 1: That's\n\nChannel 0: Anything\n\nChannel 1: all.\n\nChannel 0: else you wanted to chat about today or that's it?\n\nChannel 1: No. That's great.\n\nChannel 0: No?\n\nChannel 1: Thank you so much.\n\nChannel 0: Perfect. Well, enjoy your day,\n\nChannel 1: Too\n\nChannel 0: Trudy.\n\nChannel 1: many.\n\nChannel 0: I hope you have\n\nChannel 1: Shall\n\nChannel 0: an\n\nChannel 1: do.\n\nChannel 0: amazing birthday next week,\n\nChannel 1: Thank\n\nChannel 0: and\n\nChannel 1: you.\n\nChannel 0: I'll talk to you very soon.\n\nChannel 1: Lovely.\n\nChannel 0: Thank you.\n\nChannel 1: Thanks, Dana. See\n\nChannel 0: See\n\nChannel 1: you.\n\nChannel 0: you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.1999999,"end":1.52,"sentiment":"neutral","sentiment_score":0.034491002559661865},{"text":"Trudy speaking.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.05097241327166557}],"sentiment":"neutral","sentiment_score":0.04547860970099767,"channel":1,"num_words":3,"start":1.1999999,"end":2.34},{"sentences":[{"text":"Hi, Trudy.","start":3.6,"end":4.16,"sentiment":"neutral","sentiment_score":0.15269023925065994},{"text":"This is Dana from OKIE 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from Oeu Financial and Oeu Financial discuss personal and financial information with a customer named Diana, including her annual review and pay rate, work and retirement plans, credit card use, property value, and beneficiaries. The agents provide information on income and expenses, credit cards, property value, home and property value, and insurance policy details. The speakers suggest referending the customer to a solicitor for further information and provide guidance on making changes to their investment portfolio. They also discuss the benefits of tax dependent on the income of a beneficiary and the process of transferring money from trust to beneficiary. The speakers provide guidance on updating the advice document and providing annual reviews."},"intents":{"segments":[{"text":"This is Dana from OKIE Financial. Hi, How are Diana. you today? Yeah.","start_word":5,"end_word":17,"intents":[{"intent":"Verify identity","confidence_score":0.0038775352}]},{"text":"make sure we touch base on everything. I did Yeah. do a bit of a look at things beforehand, and it looks like some definitely some advice I wanna try and update for you as well. Okay. So Cool.","start_word":405,"end_word":443,"intents":[{"intent":"Update and review","confidence_score":0.0025200138}]},{"text":"gonna be able to afford a house without my help, I So know.","start_word":964,"end_word":976,"intents":[{"intent":"Determine financial situation","confidence_score":0.00014870641}]},{"text":"How much do you have total to pay off all the credit cards? Oh, god.","start_word":1288,"end_word":1302,"intents":[{"intent":"Inquire about total payment","confidence_score":0.0123578105},{"intent":"Inquire about cost and options","confidence_score":0.00009376167}]},{"text":"How much do you have total to pay off all the credit cards? Oh, god. I don't know. Don't wanna know. That's okay. I'm not sure. Not sure No. right That's now. that's absolutely fine, honestly. I also Yeah. had your contents noted. Total value of contents estimated 80,000. Would you keep I think that about that's the about same right.","start_word":1288,"end_word":1348,"intents":[{"intent":"Determine total value","confidence_score":0.0037367404}]},{"text":"Now I've also got down to the estate planning side of things. So when we sort of caught up last time, you hadn't Yeah. drawn up a will. Have you guys talked about drawing I up haven't a will done now that that yet. you have your home? No. No. That's I haven't okay. done that yet, but I think we that's definitely something that we probably would need to do. 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But I guess what I probably would need to understand is if there is something that's significantly impacting that, then I'd expect to be advised so that we can make that change. Do you know what I in that, then I'd expect to be advised so that we can make that change. Do you know what Yeah.","start_word":3462,"end_word":3524,"intents":[{"intent":"Make change","confidence_score":0.055694666}]},{"text":"But I guess what I probably would need to understand is if there is something that's significantly impacting that, then I'd expect to be advised so that we can make that change. Do you know what I in that, then I'd expect to be advised so that we can make that change. Do you know what Yeah.","start_word":3468,"end_word":3524,"intents":[{"intent":"Understand impact on investors","confidence_score":0.0002395825}]},{"text":"What I'll do is I'll update the advice document to reflect Yep. Okay.","start_word":3655,"end_word":3667,"intents":[{"intent":"Update advice document","confidence_score":0.09950674}]},{"text":"comfortable with me That's assessing fine. that for you as well? Yeah.","start_word":4049,"end_word":4060,"intents":[{"intent":"Evaluate vim card investments","confidence_score":0.00042037244}]},{"text":"gives you the idea of where we're tracking for, Yep. and then you always get the option to, you know, keep working if you want to.","start_word":4118,"end_word":4143,"intents":[{"intent":"Track and maintain insurance","confidence_score":0.0005150262}]},{"text":"So what I'll do is I'll send a bit of a recap email afterwards just going through the things that we spoke about today.","start_word":4412,"end_word":4435,"intents":[{"intent":"Recap conversation","confidence_score":0.03453268}]},{"text":"I'm just recapping Mhmm. where I'm gonna touch on the advice for you. If you have any questions or wanna alter anything, let me know.","start_word":4435,"end_word":4459,"intents":[{"intent":"Update advice","confidence_score":0.013048141}]},{"text":"just to update into the research around the investments. But once that's ready, we'll come back. We'll look at it together. It'll have the recommendations, the advantages, disadvantages, and the risks involved, and then you get to decide whether you take all, some, or none of it. Is that okay?","start_word":4533,"end_word":4582,"intents":[{"intent":"Update research","confidence_score":0.3737222}]},{"text":"I'm also gonna get the team just to send out the annual review documents to you, which will Oh, yeah.","start_word":4590,"end_word":4609,"intents":[{"intent":"Send review documents","confidence_score":0.47197166}]},{"text":"As an ongoing client, you're entitled to update end of advice at no additional charge, and we're here Mhmm. to make sure we're working harder towards your goals. That Lovely. make sense?","start_word":4658,"end_word":4689,"intents":[{"intent":"Keep advisor in mind for future","confidence_score":3.4588213e-12}]},{"text":"Well, enjoy your day, Too Trudy. many.","start_word":4782,"end_word":4788,"intents":[{"intent":"Wish good day","confidence_score":0.20013009}]},{"text":"amazing birthday next week, Thank and you.","start_word":4796,"end_word":4802,"intents":[{"intent":"Wish good birthday","confidence_score":0.016163042}]},{"text":"Thanks, Dana. See See you. you later. Bye. Bye. Bye.","start_word":4812,"end_word":4821,"intents":[{"intent":"End conversation","confidence_score":0.10803248}]}]},"sentiments":{"segments":[{"text":"Hello. Trudy speaking. Hi, Trudy. This is Dana from OKIE Financial. Hi, How are Diana. you today? Yeah.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.15109063684940338},{"text":"Well, thank you. How are you? I'm very well. Thank you. I had you booked That's in to good.","start_word":18,"end_word":36,"sentiment":"positive","sentiment_score":0.4430970847606659},{"text":"go through your annual review today. Is now Yes. still a good time there for you? Yeah. That's okay. I can do that. Just give me two Yep. seconds and I'll just step out of this session that I'm in. Hang on. Not a problem at all. Sorry. One one minute. Yeah. You're right. Oh, I'll just go find a quiet location. No. That's How's okay. it going? You're fine. Do I need my computer at all? No. No. That's okay. I'll go Okay. through Easy. everything with you, and we'll email Okay. things through to you later Oh, on. perfect. That's okay. Okay. You're That's fine.","start_word":37,"end_word":143,"sentiment":"neutral","sentiment_score":0.1036834716796875},{"text":"good.","start_word":144,"end_word":144,"sentiment":"positive","sentiment_score":0.3356172442436218},{"text":"Too easy. Ready when you are.","start_word":145,"end_word":150,"sentiment":"neutral","sentiment_score":0.2798612117767334},{"text":"Excellent.","start_word":151,"end_word":151,"sentiment":"positive","sentiment_score":0.5058870315551758},{"text":"So, Trudy, just to let you know before we jump into the call, we do record our calls for quality and training purposes. You're happy to proceed with that? Yes. That's fine. Yep.","start_word":152,"end_word":184,"sentiment":"neutral","sentiment_score":0.23697000741958615},{"text":"Beautiful.","start_word":185,"end_word":185,"sentiment":"positive","sentiment_score":0.48425567150115967},{"text":"And just to do security there with you, we are discussing your personal information. So I'll just get you to confirm for me your full name, your date of birth, and address I should have on file. Yep. Full name is Britney Ann Keaton. Birth Yeah. 1 Turquoise Street, Redland Bay 4165. Yep. And did you leave birthday? Yes, please. Oh, yeah. '84. Perfect. And your birthday is next week. Happy I birthday know. for next week. Oh, thanks. Hopefully, you get the day off. No. No. Definitely not, unfortunately. Oh, That's they don't okay. kinda hit the same anymore. Like, I'm an 84 baby as well, so Oh, I'm there the same you go. age as you. They just Yeah. don't hit the same anymore. I prefer Nothing. a day quiet when no one sort of talks to me and Yeah. No. I'll be running I'll be in full day of meetings, unfortunately. So oh, that's just the way that wow. it is at the moment, but that's okay. Yeah.","start_word":186,"end_word":356,"sentiment":"neutral","sentiment_score":-0.02063362431924855},{"text":"It will Well, do something happy another birthday.","start_word":357,"end_word":364,"sentiment":"positive","sentiment_score":0.4811777174472809},{"text":"time.","start_word":365,"end_word":365,"sentiment":"neutral","sentiment_score":0.26187652349472046},{"text":"Thanks.","start_word":366,"end_word":366,"sentiment":"positive","sentiment_score":0.444086492061615},{"text":"Yeah. No. That's okay. I know you did let me know you are quite time poor with this one, so I'll try to run That's through okay. things as quickly as I can. I No just wanna trouble. make sure we touch base on everything. I did Yeah. do a bit of a look at things beforehand, and it looks like some definitely some advice I wanna try and update for you as well. Okay. So Cool. I'll just start by running through any changes to your circumstances there. So Yep. having a bit of a look, you're still at the same role working for RACQ then. You're looking Yep. after the roadside assistance side of things as a manager. Is that I've right? changed I've changed Yes. role. Okay. So I'm working in the transformation division now. Okay. Perfect. So we're just working on yeah. Yeah. It's on the title is weird. It's business it's head of business design and implementation, but basically, it's in the transformation area of the business, and we've just worked on the sale of the insurance Yeah. business. Okay. So I'm Yep. just leaving that next phase of that program from a business to line. Yeah.","start_word":367,"end_word":568,"sentiment":"neutral","sentiment_score":0.02221432700753212},{"text":"Perfect. Well, congratulations.","start_word":569,"end_word":571,"sentiment":"positive","sentiment_score":0.40243130922317505},{"text":"Did Thanks. that come with a pay rise at all? Yeah. It did. Yeah.","start_word":572,"end_word":585,"sentiment":"neutral","sentiment_score":0.16439667344093323},{"text":"So Perfect. it's nice.","start_word":586,"end_word":589,"sentiment":"positive","sentiment_score":0.5300838351249695},{"text":"How much yeah. How much even now? Oh, god. I can't remember. What have I got? What have you got there? 180,000. Oh, was that that's after that's after Super. Right? It doesn't tell me it's before or after. It just says a 180,000 total, so I'm assuming Oh, it's okay. included. Yeah. Okay. So the bay I think my base package now is about $2.10 or $2.30. I can't remember. Yep. That's okay. Put So 2 either tens two for 10 now. yeah.","start_word":590,"end_word":673,"sentiment":"neutral","sentiment_score":0.00811608727755291},{"text":"Perfect.","start_word":674,"end_word":674,"sentiment":"positive","sentiment_score":0.5235945582389832},{"text":"And super on top of that? No. That would be inclusive. Inclusive.","start_word":675,"end_word":686,"sentiment":"neutral","sentiment_score":0.1739567518234253},{"text":"Perfect.","start_word":687,"end_word":687,"sentiment":"positive","sentiment_score":0.49563685059547424},{"text":"Inclusive.","start_word":688,"end_word":688,"sentiment":"neutral","sentiment_score":0.33302614092826843},{"text":"Excellent. Not a problem at all. Thank you for that, and congratulations. Alright. I'm glad you Thanks.","start_word":689,"end_word":705,"sentiment":"positive","sentiment_score":0.5661792755126953},{"text":"got a pay rise to go with Yep. it. It's It sounds always like good. you're extremely busy, so well deserved. How's everything going expenditure wise? Are you managing to put money away at the moment, or is everything Well, going towards the cost of living? no. So we're actually just, we signed a contract on a property last week. Yep.","start_word":706,"end_word":766,"sentiment":"neutral","sentiment_score":0.09605833888053894},{"text":"That would buy our first home, so that's Fantastic. exciting. Yeah. Congratulations on Thanks. that one.","start_word":767,"end_word":782,"sentiment":"positive","sentiment_score":0.481280654668808},{"text":"It's all happening. This is the year. It is. It's a little bit terrifying, but also very exciting. We did end up Absolutely. using families as a guarantor to do Yep. the 20%. So we've said we've paid out or with our money, we've paid out the car Yes. loan Yeah. to get rid of that and have put down the well, roughly, which will be $1,010,000 dollars of deposit. Perfect. And Yep. then the I think and then there's, like, the the 20% is coming from a Yep. guarantee. So Yep. my husband's mom. Oh, wow. So we're doing it through that way. Like, so she's putting that Yep. through her mortgage or however Okay. that's working. But then, yeah, we'll obviously pay the mortgage. Yeah. No. That is fantastic. And family help is one if if Yeah. it helps you get into the market and stops you from paying rent, that's a benefit. Yeah. Correct. Yeah. You Exactly. know? I I sort of look at my kids who are 19 and 20. I don't know how they're Yeah. gonna be able to afford a house without my help, I So know. it's definitely That's it. on the cards Yeah. moving forward for a lot Totally. of people. Yeah. Yep.","start_word":783,"end_word":993,"sentiment":"neutral","sentiment_score":0.055190723407042536},{"text":"Perfect.","start_word":994,"end_word":994,"sentiment":"positive","sentiment_score":0.4816972315311432},{"text":"So we've got rid of the car loan, which is Yep.","start_word":995,"end_word":1005,"sentiment":"neutral","sentiment_score":0.1760997176170349},{"text":"fantastic.","start_word":1006,"end_word":1006,"sentiment":"positive","sentiment_score":0.6120781898498535},{"text":"Cars I had valued at about 65,000. You Would sound you value them about the same? Yep. about right. Perfect. Probably yeah. That or a bit lower, Yeah. but That's that's okay. okay.","start_word":1007,"end_word":1039,"sentiment":"neutral","sentiment_score":0.10737747699022292},{"text":"Excellent.","start_word":1040,"end_word":1040,"sentiment":"positive","sentiment_score":0.49839186668396},{"text":"And with the house that you just purchased there as well, what Yep. sort of value or how much did you end up purchasing that for? We purchased it for 1.07 Yep.","start_word":1041,"end_word":1072,"sentiment":"neutral","sentiment_score":0.0804159939289093},{"text":"Perfect. Excellent.","start_word":1073,"end_word":1074,"sentiment":"positive","sentiment_score":0.4244918823242187},{"text":"5. And loan is about fairly similar minus that 30 odd thousand. Pretty much. Yep. 30,000. Perfect. And I've put down here you have the credit card. I believe we had the limit as about 20,000. Do you still have the credit card for the same limit? I paid out for mine. I've Yep. got no. I paid out one. So I've got five and 8. So 13. Okay. Perfect. So 13 combined Yeah. and 8,000. Excellent. And contents, Oh, we yeah. had Sorry. a value So sorry. sorry. Just You're at the total. Oh, was that sorry. Do you have is it just mine or mine and my husband's? It doesn't say. It just says credit cards, plural, and then it has a total of 20,000 there. So I Okay. wasn't Maybe really sure. Yeah. well, I think Angus is as well. Yeah. Leave it at twenty then because I think Yep. he's got I've got 13, and I think he's Yep. got one that's, like, eight. So Yeah. that Perfect. will probably be at twenty. That's okay. But we've Yeah. been That's sort it. of, like, Yep. trucking, like, a thousand bucks a month, and then it's, like, reducing the limits just, like, getting rid of them. Yep. Yeah. Perfect. How much do you have total to pay off all the credit cards? Oh, god. I don't know. Don't wanna know. That's okay. I'm not sure. Not sure No. right That's now.","start_word":1075,"end_word":1318,"sentiment":"neutral","sentiment_score":-0.0009506996873705114},{"text":"that's absolutely fine, honestly.","start_word":1319,"end_word":1322,"sentiment":"positive","sentiment_score":0.4509371519088745},{"text":"I also Yeah. had your contents noted. Total value of contents estimated 80,000. Would you keep I think that about that's the about same right. or yep. Yep.","start_word":1323,"end_word":1350,"sentiment":"neutral","sentiment_score":0.09285147488117218},{"text":"Perfect.","start_word":1351,"end_word":1351,"sentiment":"positive","sentiment_score":0.5435236692428589},{"text":"I Do got you have any other a assets that you wanna note thing. down? Anything else that value No. shares, cryptocurrency collections? No. No. No. Easy.","start_word":1352,"end_word":1378,"sentiment":"neutral","sentiment_score":0.09856467694044112},{"text":"Perfect.","start_word":1379,"end_word":1379,"sentiment":"positive","sentiment_score":0.37270060181617737},{"text":"Now I've also got down to the estate planning side of things. So when we sort of caught up last time, you hadn't Yeah. drawn up a will. Have you guys talked about drawing I up haven't a will done now that that yet. you have your home? No. No. That's I haven't okay. done that yet, but I think we that's definitely something that we probably would need to do. Yes. Perfect. So And we can what do that I through you guys, can't we? We've we don't do the we will can for help. you. However, Oh, we okay. can refer you through to a solicitor. So if you Oh, like okay. after the call, I can get my team to email you just some details of the Okay. the sort of Well we use, yeah. and Yeah. a bit of Okay. a costing No worries. to Yep. start the Do conversation that. how That's much it fine. might cost I've it up just or will. got a I've got Yeah. a well, Perfect. I've got in contact with the soliciting firm, but I think they're just purely conveyancing. So that's that's Yeah. okay. No. That's okay. I'll send that email through. If you Okay. decide you want us to help you out with the referral, Great.","start_word":1380,"end_word":1598,"sentiment":"neutral","sentiment_score":0.021602628752589222},{"text":"absolutely fine. But it's great Mhmm.","start_word":1599,"end_word":1604,"sentiment":"positive","sentiment_score":0.4352431297302246},{"text":"to start the conversation, and it gives you an idea of what the cost might look like as well so you Yeah. can make sure it's within your budget. Yeah. Yeah.","start_word":1605,"end_word":1635,"sentiment":"neutral","sentiment_score":0.24015211482201856},{"text":"Sure. Excellent. And with your beneficiaries on, obviously, your MetLife and your Uh-huh. super policy, you have it Yep.","start_word":1636,"end_word":1654,"sentiment":"positive","sentiment_score":0.4245989918708801},{"text":"noted down here, 50% to go to Angus if anything Yes. happens to you. And then I've got 25% to each of your children, Yep. Hunter and Correct. Isabella. With Isabelle. the kids, are they both Yeah. minors? No. Hunter's 22. Okay. So just so you're fully aware, if in the event Yes. of you passing with the beneficiaries, Yep. the way they are set up, Angus does get his portion completely tax free. Yep. With Hunter sorry. Hunter was the one that Oh, was 22 years of age. yes. Yes. Yeah. So with Hunter's portion, because he is over he's technically non not a tax dependent. He is still able to be a beneficiary. But on the taxable component of what he receives, he's actually required to pay tax on that amount. It's marginal tax rate plus the Medicare levy, so it can be quite, yeah, Why? significant. Why is that? It's because he's a nontax dependent. So anyone who is a nontax dependent on inheritance Uh-huh. received does have to pay tax. But Isabella, That's it. because she is a minor, she receives her Yeah. benefit tax free. Okay. And with Okay. Isabella's benefit, she actually doesn't receive Let that total. She won't receive the money. It me will check. go to either The trust. Angus or Yep. a trust or however Yep. that's structured up, but 25% is held for her. Would Yeah. you like Okay. me to That's because what we need I've to do sort all this. of yeah. Did because I've sort of readjusted and I've had a look at everything, and there is some advice to provide moving forward. Did you want me to account for the estate planning side of the things? And I can recommend how to note those beneficiaries so that everyone gets it to the best, Yeah. you know, Sure. the best tax advantage. Yeah. Okay. Yep. Do I Perfect. need to put that in the wheel? Is that what you would put in the wheel then? So for Hunter, absolutely. I would I would Okay. be trying to have his portion sent through to your will and then have your Yep. will separated. So on in the event of anything happening, your life and super goes to there for his portion, and then he Got gets it. that directed out while there are Rather still than taxes getting to taxed be consumed. on it. Yeah. Yeah. While there are Okay. still taxes, you it gets sort of looked after by your estate within the trust, Yep. and he doesn't have to pay the Medicare levy side of that. So Okay.","start_word":1655,"end_word":2096,"sentiment":"neutral","sentiment_score":0.05940582869549143},{"text":"it does Cool.","start_word":2097,"end_word":2099,"sentiment":"positive","sentiment_score":0.3780956268310547},{"text":"alleviate some of that pressure on him. Okay. And with Isabelle, the same thing. If you want her to have that money, having her nominated inside super means that it gets paid to either a trust or to Angus to Mhmm. cover. I'm good. Okay. However, if you have that directed into the trust, you can set up inside your trust, the testamentary Yeah. trust where any money for her gets set up. He can be, you know, set up as the executor of that trust and making Sure. sure that you can direct money to her so it lasts longer for her, if Great. that makes sense. Yep. That's fine. Okay. I think Yeah. that's probably what yeah. Something if you can send Yeah. through some advice on that, that would be helpful. And then I guess Yeah. it's the conversation with Angus and I and how we structure, you know, Yeah. the wheels and all the rest of it because he will probably do something similar with his you know? Yeah. Absolutely. Okay. That makes sense. Absolutely. I will account for that in the advice update for you. It's not a problem Okay.","start_word":2100,"end_word":2294,"sentiment":"neutral","sentiment_score":0.12643489241600037},{"text":"at all. Perfect. Thank you. Excellent. Cool. And you've got the same benefits used on your super.","start_word":2295,"end_word":2311,"sentiment":"positive","sentiment_score":0.5086575746536255},{"text":"I'll account for that as well, Yep. making sure everything is directed how you want it to be, but in the most Yep. tax advantage way for everybody. Okay? Okay.","start_word":2312,"end_word":2341,"sentiment":"neutral","sentiment_score":0.140035018324852},{"text":"Perfect. Excellent.","start_word":2342,"end_word":2343,"sentiment":"positive","sentiment_score":0.6733787059783936},{"text":"Now having a look at your there as well, at the moment, given you you got your balance there, which is up to 319,800 and Yep. 43, I did That's how go through I and have a look at how everything is invested.","start_word":2344,"end_word":2386,"sentiment":"neutral","sentiment_score":0.11488049477338792},{"text":"Most of your investments have been performing went. quite well.","start_word":2387,"end_word":2396,"sentiment":"positive","sentiment_score":0.39375734329223633},{"text":"That's what I thought. The only yeah. As a whole, over the total of the year, your earnings are over 20 Yeah. 5,800 Yep. dollars. So your portfolio Yeah. Because has worked. That's the growth in the income. So it gives you about a 6.89% return yep. there Oh, that's after pretty fees. good. Yeah. Yep. Yeah. The only thing I've sort of noticed I'm looking at here is inside your portfolio, you have the Benelon Australian Equities portion. Unfortunately, late last year, Benelon had a bit of an issue Oh, with one yeah. of their underlying investments, the corporate Yep. traveler. Mhmm. With what's Oh, happened yes. with Of them, they've had to reevaluate that. There was a bit of a trading halt with Benelon course. and corporate travel, which sort of meant that Bennelong have had to reevaluate that part quarter portion, sorry, of their investments. And Amenta Sure. analysts have now also gone back and reevaluated Bennelong as an investment. So that part Mhmm. of your portfolio is actually down pretty heavily by that 19 Yeah. percent. Okay. It is holding your Shit. returns back for the year. What I would like to do is go back to the drawing board. I've got a few options. I wanna remove Benelon out of there for you as it is underperforming Yes. and maybe Yep. replace it with something else. Are you comfortable Yep. with that? Yeah. That's fine. Isn't that hub twenty four that manage all that? No. That's all of us. So Oh, it's we all do you guys, all the but management. it's through Yeah. Yeah.","start_word":2397,"end_word":2666,"sentiment":"neutral","sentiment_score":-0.031155055181847677},{"text":"okay. So Cool.","start_word":2667,"end_word":2669,"sentiment":"positive","sentiment_score":0.42148303985595703},{"text":"Hub Yeah. 20 Yeah. Yeah. four is, like, the vehicle to hold the investments, Got it. and then we do all the management of the investments there. Yeah. Yeah. Well, fix yeah. I mean, absolutely. If it's not performing Yeah. and it looks like there's some concerns there, I don't wanna lose. Yeah. No. Absolutely. I would have expected that to be sort of adjusted from your end. Yeah. Yeah. Cool. Well, we actually can't do that straight straight up, and that's why we have to go through the review with you. So Okay.","start_word":2670,"end_word":2763,"sentiment":"neutral","sentiment_score":-0.03604425862431526},{"text":"because Perfect.","start_word":2764,"end_word":2765,"sentiment":"positive","sentiment_score":0.3677040934562683},{"text":"when you came on board, you were recommended those those investments as I a whole, see. we have to kind of keep them until we talk to you and get approval Okay. to to update things. But So if you're what open to moving you're yep. right. Sorry. I Yeah. was gonna say, because I do get notifications from Hub twenty four to say that we've made Yeah. these changes on your behalf. I what Yep. was what's those about? Is that just still within within what we've already agreed? That's correct. Yes. Okay. So what Got happens it. is when money goes into Hub twenty four, we Yep. have a direction inside Hub twenty four, which tells them how we want the money invested on a regular basis. So when money goes in, when they do their cash changes, they invest the money as per our instructions, Okay. but we built the portfolio and we manage it for you. Okay. If you're open to depending on sort of what you wanna see, if you're happy looking at your investments the way they are structured, that's absolutely fine. I do wanna remove Ben along, though. Yeah. But I if you're do. also open to and you're happy for us to maybe have more control around the investment and what's happening in the market there is that we have set up our own SMA, which is the separately managed account. If you are Okay. open to if you went into that SMA product, inside your hub 24, all you would see is your balance and that you're in this SMA. Inside that SMA, we then have anywhere between 20 to 50 different investment options, Okay. and we've built that along with utilizing BlackRock, which is one of Australia's largest investment firms, and they've helped Yep. us to build that. We have a lot of control there, but being inside this estimate essentially gives us control over maneuvering and making Making changes those changes. to your portfolio. Okay. I see. Yes. Yep. So, like, if something happened like that again, like what's happened with Bannalong, then we can remove that quickly, put something else in Okay. there. We don't have to call you and talk to you about it, but Okay. it it essentially gives us more control to make changes to the underlying investments depending on market structures. Right. Did you want me to look at something like that for you, or did you wanna see where your money's invested and see a bit more clarity there? I'm not sure. I suppose I don't want it to be moved around all the time, but I also No. don't want to if something's happening, like, with this spend along, you were saying that that declined significantly. Did that Yeah. Absolutely. in did that in so I still had growth over last year, 6.7%. Yeah. Okay. So even after the banner long had the issues, you're still up over Got six it. percent, and it's giving you earnings Okay. of 25,000. So, look, it hasn't made a huge Okay. impact, but the impact Yep. is still definitely there. Yeah. Sure. I think for me, Yeah. provided that it is returning, you know, as close to, you know, sort of the top mark, you know I mean, what what's my is is sort of like a, you know, eight to 10% kind of where you should be seeing a return on a manual basis or is that sort of Yeah. So the portfolio you're in at the moment is, you're in a growth portfolio. yeah. That's So what I thought. with the way you would expect, the average returns you'd sort of hope or expect to get on a regular basis is between 79%. That's So sort having of what I was six thinking. point eight nine, you are slightly Oh, underperforming like, because I said for along. the year, Right. which is being pulled down by that Benelon investment. Got it. Yeah. Yeah. Okay. I look I mean, I think provided that it is performing around, you know, sort of where that needs to be, then I'm okay Yeah. with the way that it is. But I guess what I probably would need to understand is if there is something that's significantly impacting that, then I'd expect to be advised so that we can make that change. Do you know what I in that, then I'd expect to be advised so that we can make that change. Do you know what Yeah. I mean? Yeah. Does that So make sense? you Is you that okay. yeah. No.","start_word":2766,"end_word":3539,"sentiment":"neutral","sentiment_score":0.050336191834982974},{"text":"That's perfect.","start_word":3540,"end_word":3541,"sentiment":"positive","sentiment_score":0.3589722812175751},{"text":"So you would like to be able to see you want visibility over where your funds are invested. You wanna know Yeah. when there's something we have to move out, but you wanna Yeah. be involved in that. Yep. Yeah. Yeah.","start_word":3542,"end_word":3582,"sentiment":"neutral","sentiment_score":0.11388256400823592},{"text":"I think that would be good.","start_word":3583,"end_word":3588,"sentiment":"positive","sentiment_score":0.3402165174484253},{"text":"I think that's good for Yeah. me too to understand a little bit more No. as well. That's absolutely okay. So with Cool. where we're sort of looking at things, the estimate doesn't sound like it's gonna be the right fit Not for you right. at the moment, Not but right now. I can absolutely pull out the Benelon. I'll put something else in its place. What I'll do is I'll update the advice document to reflect Yep. Okay. what we're gonna put in there. I'll explain Yep. it, and we'll go through it together, and then you can tell me whether you're comfortable proceeding with that. Okay. Does that sound Too easy. okay? Yeah. Yeah.","start_word":3589,"end_word":3704,"sentiment":"neutral","sentiment_score":0.06470546126365662},{"text":"That's fine. Because Beautiful.","start_word":3705,"end_word":3708,"sentiment":"positive","sentiment_score":0.4151439368724823},{"text":"I think my husband The had a VIN we had we opened up yeah. a VIN card account earlier in the year, and it was Yeah. Yeah. merely just to put probably, like, last year. And it was just purely to put money into, which helps us because we've taken it out now to go to the toilet, etcetera. But, you Yeah. know, Yeah. the vendor generally returns on 10 on average about 10%, but my husband's That's it. noticed in the last sort of how many months because of all of the shit going on in The US, it Yep. actually hasn't gone as, you know, it it we we haven't seen the return as much in the last couple of months as what Correct. we had prior. Yeah. So I kind of that's the case. Yeah. We're sort of trying to educate us a little bit on No. that as well, That's so it's good perfect. if I can get a little bit involved. Absolutely. And, look, if you guys ever want information like that, email me. Once I've emailed Okay. you the details on on the solicitor, you'll have my email address. You're welcome to email Okay. me and ask me random questions about your investments, about the market as a whole, about anything Cool. you like, and I'll come back Yep. and help you to educate you. It's Okay. not a problem at all. Yeah. Too easy.","start_word":3709,"end_word":3949,"sentiment":"neutral","sentiment_score":0.0480868268866262},{"text":"Okay. That's great. Excellent. Thanks.","start_word":3950,"end_word":3954,"sentiment":"positive","sentiment_score":0.5983514785766602},{"text":"The other thing I am looking at in here is you do have some bank hybrids. This is a great defensive investment. We use it in our portfolios as cash producing. However, moving forward, Mhmm. the government is Okay. phasing out bank hybrids. So because we are looking at moving then along and making that change, then now it might also be worth making a change and maybe changing the bank hybrids Okay. into something else defensive. That way, you don't have to make this change down the track. Okay. Yep. Are you Sure. comfortable with me That's assessing fine. that for you as well? Yeah. Yep.","start_word":3955,"end_word":4061,"sentiment":"neutral","sentiment_score":0.11525145173072816},{"text":"Beautiful. Excellent.","start_word":4062,"end_word":4063,"sentiment":"positive","sentiment_score":0.6166377067565918},{"text":"And we're working towards your goal of being able to retire. I had around about sort of 60 to 65. Is that still your goal retirement age? Yeah. Six Yeah. Yeah. yep. Sure. Yeah.","start_word":4064,"end_word":4097,"sentiment":"neutral","sentiment_score":0.08280568569898605},{"text":"I like Perfect. working.","start_word":4098,"end_word":4101,"sentiment":"positive","sentiment_score":0.5502771735191345},{"text":"What I'll do is I'll work on 60, and then if any Yeah. it kinda Okay. gives you the idea of where we're tracking for, Yep. and then you always get the option to, you know, keep working if you want to. You don't have Yep. to. With the old advice documents, we used to kinda project out all the way to 60. Nowadays, Sure. because Yes. everything's changing with the legislation requirements around our job, we only project out by ten years because Sure. there's too many factors beyond that. So I'll show you the effect Mhmm. over the next ten years, and we can kinda go from there for you.","start_word":4102,"end_word":4213,"sentiment":"neutral","sentiment_score":0.05912559852004051},{"text":"Sounds good.","start_word":4214,"end_word":4215,"sentiment":"positive","sentiment_score":0.35299453139305115},{"text":"Is that okay?","start_word":4216,"end_word":4218,"sentiment":"neutral","sentiment_score":0.2183634340763092},{"text":"Beautiful.","start_word":4219,"end_word":4219,"sentiment":"positive","sentiment_score":0.3671579957008362},{"text":"Yep. With the insurances you do have there at the moment as well, you've got your life and TPD with MetLife there. Yes. Account sum insured is a bit over 1,000,000, so a million and 75,250. Are you still comfortable with those levels of cover? Are you still happy with how much that would pay out? Yes. That's fine. Yep. Perfect. And we've also got your employer pay policy retained there as Yes. well, which Correct. does give you three months worth of salary plus cover as a benefit. You got Yes. a bit of trauma there as well, so three times the monthly benefit in that and some salary continuance to pay 75,000 of your salary up to 12,000 per month as a cap, which is a good Yep. employer Yeah. paid policy. The benefit is they pay for it, you don't, so Totally. that's always a win. Yep. Exactly.","start_word":4220,"end_word":4370,"sentiment":"neutral","sentiment_score":0.08902091532945633},{"text":"Beautiful. So happy to retain the insurances as they are at the moment.","start_word":4371,"end_word":4383,"sentiment":"positive","sentiment_score":0.4533304870128632},{"text":"Yes. You're not looking for anything additional there? Nope. That's all good. Nope.","start_word":4384,"end_word":4396,"sentiment":"neutral","sentiment_score":0.10468539595603944},{"text":"Perfect.","start_word":4397,"end_word":4397,"sentiment":"positive","sentiment_score":0.3474985957145691},{"text":"Perfect. Well, that's basically everything I need to run through at the moment. So what I'll do is I'll send a bit of a recap email afterwards just going through the things that we spoke about today. I'm just recapping Mhmm. where I'm gonna touch on the advice for you. If you have any questions or wanna alter anything, let me know. I'll also send out to you the email introduction details to this list so that I can start that conversation there Lovely.","start_word":4398,"end_word":4481,"sentiment":"neutral","sentiment_score":0.10214963209416184},{"text":"for you.","start_word":4482,"end_word":4483,"sentiment":"positive","sentiment_score":0.4583427309989929},{"text":"And if there's anything else we may have missed or anything else you want me to touch on, let me know. I'll always make time to come back and we can revisit. It'll just take me a couple of weeks to put some advice together It's for you fine. just to update into the research around the investments. But once that's ready, we'll come back. We'll look at it together. It'll have the recommendations, the advantages, disadvantages, and the risks involved, and then you get to decide whether you take all, some, or none of it. Is that okay? That's fine. Yep. Yep.","start_word":4484,"end_word":4586,"sentiment":"neutral","sentiment_score":0.11265808343887328},{"text":"Lovely. Perfect. Excellent.","start_word":4587,"end_word":4589,"sentiment":"positive","sentiment_score":0.6141571402549744},{"text":"I'm also gonna get the team just to send out the annual review documents to you, which will Oh, yeah. have Cool. a copy of everything we've gone through just so you can run your eyes Great. over it. It looks like you've already signed the ongoing service agreement for the year, and Yes. that's just letting you know that you do pay the 1.65% per annum. Yep. As an ongoing client, you're entitled to update end of advice at no additional charge, and we're here Mhmm. to make sure we're working harder towards your goals. That Lovely. make sense?","start_word":4590,"end_word":4689,"sentiment":"neutral","sentiment_score":0.18740670382976532},{"text":"That's great. Yeah. Thank you.","start_word":4690,"end_word":4694,"sentiment":"positive","sentiment_score":0.4771687984466553},{"text":"The team will also just have the financial services guide attached there. Feel free to flick through. It has all my details, my licensing information. I'm registered through Aviso and a bit of Mhmm.","start_word":4695,"end_word":4728,"sentiment":"neutral","sentiment_score":0.1587890088558197},{"text":"detail and a lovely photo with of me so you can see what I look like.","start_word":4729,"end_word":4744,"sentiment":"positive","sentiment_score":0.3464031219482422},{"text":"Okay.","start_word":4745,"end_word":4745,"sentiment":"neutral","sentiment_score":0.23442712426185608},{"text":"Too easy. Wonderful. Excellent.","start_word":4746,"end_word":4749,"sentiment":"positive","sentiment_score":0.5087209939956665},{"text":"Is there anything else I can help you No. with? That's Anything all. else you wanted to chat about today or that's it? No. That's great. No?","start_word":4750,"end_word":4776,"sentiment":"neutral","sentiment_score":0.061769706231576425},{"text":"Thank you so much. Perfect. Well, enjoy your day, Too Trudy.","start_word":4777,"end_word":4787,"sentiment":"positive","sentiment_score":0.5576218366622925},{"text":"many.","start_word":4788,"end_word":4788,"sentiment":"neutral","sentiment_score":0.27938738465309143},{"text":"I hope you have Shall an do. amazing birthday next week, Thank and you. I'll talk to you very soon. Lovely. Thank you. Thanks, Dana.","start_word":4789,"end_word":4813,"sentiment":"positive","sentiment_score":0.4475780427455902},{"text":"See See you. you later. Bye. Bye. Bye.","start_word":4814,"end_word":4821,"sentiment":"neutral","sentiment_score":0.15045014023780823}],"average":{"sentiment":"neutral","sentiment_score":0.08072378590602544}}}}