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I had you booked in to go through your annual review today. Is now still a good time there for you? Fantastic. As part of the call, I normally do send through some annual review documents to you via email. Are you able to access your emails there at the moment? If you can't, it's okay. You can? Fantastic. Well, I send this one through. I'll get you to jump in if that's okay, and we'll pull them up and go through them together just so you can see what I'm talking about and go through them with me. Just sometimes makes it a little bit easier. That's all. There we go. Beautiful. I'll just press send on that one now. There we go. Yeah. You're fine. That's not a problem at all. Yeah. Should've come through from Odoo sign. It might take a second. I've just pressed send on that one there. You got it. Fantastic. When you open up the documents there, it does have a little sign button. We just ask you to press that button so you can go through to view the documents there. However, it will not ask you to sign anything until you've read them, until you're happy to do so, and you're welcome to go back and review them prior to signing the bottom of the documents there. Okay? Excellent. Beautiful. Now the first one that you'll see is your summary of superannuation and insurances. So the good thing last year was we were able to go back and consolidate things for you. So you do now just have your hub twenty four super account. It shows the balance in the account as of today. We're sitting at a $169,905.43 there. Okay? Beautiful. Beautiful. With that one there, the next report, if you can scroll forward for me, is your performance report, and that sort of shows how all the investments have performed within the fund there. Travis, I did go back and have a bit of a look at those prior to the call just to sort of, have a look and see whether some advice and some things I would like to update for you to make your fund work a little bit better. So this year, I have noticed one of your investments sort of holding your portfolio back a little bit. So I do wanna go back and maybe do some switching out of those for you. Are you on that performance report, it should say performance with internal rate of return. That's the one. Beautiful. You'll see the first on the first page that the top investments have been along Australian equities. If you look the second last line, is that it is showing that it is down. It's a negative figure because it's in brackets there. So it is holding your portfolio back a little bit this year. So I do wanna look at removing that one out. Now the main sort of issue with Van Along is that that was meant to be more of an actively managed fund within your portfolio there, and the investment manager within Bannalong is trying to outperform against the market. They are trying to pick investments and choose when to buy and sell into the market. They haven't been able to do that this year. They've had some other underlying issues, which is causing them to have a bit of a downward trend. And, realistically, I would be wanting to keep them in there if the issue wasn't with the investment. If it was, say, the whole market, like Australian equity is really seeing a bit of a downtime, then it'd be worth sort of keeping that in your portfolio. However, if you look about four investments down, you've got the investment. The tick code is keywords. It's the beta shares RAPI. That is essentially giving you exposure to Australian equities, and that investment's up by over 14.05%. So the fact that the Australian market and Australian equities as a whole is actually up, but then along is down, sort of shows us yeah. There's more of an issue within the fund there. So I do wanna do a bit of an investment switch and update the advice for you this year and look at removing that one out of the investments and replacing it with something else that's probably performing a little bit better. To be full disclosure with you, it does essentially mean that we are cementing that loss and we are removing that investment out, but I would rather cement the loss now and look at replacing it with something else that can gain that money back nice and quick for you rather than wait and see if it keeps dropping. So the underlying issues that the underlying issues that investment has had are going to continue, so it is best to remove you out of that now if that makes sense. Does that do you have any questions at all? So sorry. Did you have I've also got the phone cut out if you're still if you have more to that sentence. Sorry. You're right. Yeah. And yeah. Yeah. And, look, honestly, it's not as big. It is 90% there, but it is showing, essentially, it's only down by about $3,000. So, realistically, we are picking it up as much as possible, but it does essentially mean that out of all the clients, we are calling through everyone. So we are having to do it as part of the annual review process because I just don't have a yeah. Essentially, the time of the day to call through everyone and go, hey. We have to update this and do that. We essentially have to, in order to remove that from your portfolio, have this review, have a big conversation, and look at what to replace it with. We were trying to sort of find some approval to go through and do have, like, a big standard advice document to have things removed automatically from your portfolio. But in doing that, the compliance wasn't there, and it sort of meant that with any other changes in your life, that advice piece would be essentially not relevant to your circumstances. So it is essentially the best way to do it as per the annual review. The loss isn't as big as what it could have been if we had to sort of wait it down the track. And from when, Benelong has sort of seen that issue, which isn't that long ago. It's only really very recently that it sort of had that major dip. Majority of the year, it had actually been performing very well. It's only probably in the last sort of two months that it's really seen that downtime that we're sort of noting at the moment. And so we're sort of trying to bring it to your attention as quickly as we possibly can. So I do understand where you're coming from there, though. Okay? Easy. All good. What I sort of wanted to look at talking to you about was because you are still fairly young, you've got a lot of time ahead of you before you're wanting to access your super there. One of the goals we were sort of looking at was accessing your super, essentially, around about the age of 60. Is that still your goal for when you're wanting to access super? Yep. Yep. Yep. So at no. That's okay. So at the moment, under the current legislation, the earliest you're able to access super is the age of 60. If you are wanting to look at sort of building wealth outside of super and or in other ways to be able to retire earlier, we can certainly help in that area and sort of look at ways to do that. But the earliest under the current legislation is sixty sixty if you fully retire to access your suit for that. In saying that if they do happen to reduce the age, I'll be the first to let you know. We'll make sure that you're aware of that. So I'll note down here that we are looking at 60. So, realistically, you do have over twenty years before you're able to access your super at this sort of point in time. We have a couple of options for how we can sort of look to replace that investment option for you. So that is more of an actively managed fund within your SOFA there. We can look at replacing that with another active manager if you would like to. Realistically, having an active manager in your portfolio means that they they can and sometimes do outperform against the market and provide greater returns. You do tend to pay a little bit more in investment fees in order to have an active manager in your portfolio. Or if you wanted me to sort of focus on the fee component, I could always look at swapping it with something that's just a bit more low cost and less actively managed to sort of you know, when you think about passively invested funds, often over time, they outperform active managers and actually do a lot better. Is there sort of a preference to how you would like to see your investment structured, or what would you like to sort of see? Yeah. That's fine. If you're not really sure, I can sort of look at the two different options, look at the overall cost of replacing the investment. I would like to just go back and review your all your investments and your super to make sure everything is working and maybe switch out anything else that might be underperforming there as well. You'll also sort of notice if you're looking at that report there, the Van Dyck property, that one is also sort of underperforming a little bit at the moment as well. And, again, that has only been very recently. There's been some structural changes within the government and within the legislation around property and investments and things like that. So that has very recently affected that investment as well. So I would probably like to maybe go and look at whether and assess whether that's an appropriate investment within your super fund. It's also kind of important to note that over time, investments that went in your super fund a couple of years back might have been appropriate back then. But over time, they can perform well and then perform not so great as well. So things that I move you into now, we'll keep reviewing down the track because in two, three, or even five years' time, some of those investments might be underperforming and need to be removed out there for you. So, there there's always gonna be those ups and downs, but I do wanted to and had a look at this beforehand and definitely wanna update the advice for you, look at where we're tracking, and maybe switch out some of these to make sure I can hopefully lower some investment fees for you to lower the cost of your overall portfolio, but also look at what's been performing really well and what has greater potential down the track. Does that make sense? And do you have any questions? That's all good. Yeah. Yeah. Beautiful. Excellent. I did have a really good review of things beforehand. So I definitely had some advice that I wanted to come into the call to let you know I wanted to make for you, which is good. But real thank you. Essentially, everything else, if you look at that same report, is the has been performing really well. So your bank hybrids, they are more defensive in nature. I will probably look to remove them out of there as well just because down the track, the government will be removing or requesting that they're phasing out that investment, essentially. So we'll look to maybe replace that while we're going. And any changes that we feel, we should probably make it a short term. We'll try to all make it once. That way, we can allow your portfolio time to recover, rebuild, and kinda grow from there. How does that sound? Yep. Beautiful. Yeah. Yeah. Absolutely. So your your battery and lithium tech has done very, very nicely, one of the highest performance there. Cybersecurity also is up. You're up over 18% growth for that as well. And your your keywords, so that's your beta shares, Ravi, so giving you exposure to some of the, you know, top 200 companies on the ASX, the Australian Equities, and that's still performing by 14.05%. So everything else is doing really, really well. Overall, your portfolio is up, so the performances the investments that have performed better or well have actually outperformed what the ones are that are down, so your VanEck property and your VanEalong investments. But we just wanna make sure that we re reassess things regularly and keep them working harder for you. Okay? Excellent. So, yeah, your portfolio net of fees, so after all fees have been taken into account, it's up by 4.63%. So, realistically, that is a bit lower to where I would like your portfolio to be. However, it is a it is still a positive return for the year. When I sorta have a look so I did kinda go back and look at from inception to sorta look at how it's been tracking. And from inception, you've essentially seen a little over it's 18.23% over the past two years total since you've come on board. So when you kinda break that down yeah. No. So that's a good thing. That's a factoring in just the growth. So the growth of the income within the portfolio are contributions that go in there or considered a capital. And so the rate of return looks at the growth and the income that's being generated from the portfolio solely over the past two years and with this report over the past two months there. So while you're seeing that this last twelve months of 4.63, it essentially shows the growth of the sorry. The net earnings for the year as the growth in the earnings is $10,335. You've made over $10,000 in the portfolio, which is good because last year, we kind of had those last few changes and the consolidation made there as well. So there has been a lot happening with the with the portfolio with the super fund. I'm definitely noting that this return is a lot lower than where I would like it to be given the sort of portfolio that you're in, but we just wanna make changes and keep it working harder so we can kinda get it going for you. The other thing I kinda mentioned is I sort of also pulled up a report from inception, which kinda shows what you've made since you came on board originally from the last so you came on board around 2024 there. And in the last sort of two years, you've made about nine sorry. 18.23%. That's from inception to now. When we average that over the past two years, it's averaged about a 9.11%. So, realistically, your portfolio is still working. It is doing what it needs to. It is doing well. It's just that over the when you break it down to per year, the return, this is a little bit lower, and it kinda shows that we need to move some of those investments out and replace them for you. And I definitely wanna get that done nice and quickly for you. Okay? Yeah. Yeah. Absolutely. It is one thing that we sort of wanted to do, and I know with the going to the advice last year, it kinda made it a little bit harder. But moving forward, I'd love to do another catch up with you in about six months. So that would bring us up to February so we can have a look at it biannually. We'll go through, update the advice now to make some changes to your investments. And then come February, we can have another sort of biannual catch up look at how that's been taken into effect for you and whether we need to make more changes or whether we're good just to kinda go for the next six months there. That way, you do get those catch ups on more of a regular basis. Does that sound okay? Yeah. Beautiful. And if in the meantime, like, in between that six months period, you want additional updates on what the portfolio has done or reports and things like that, you're welcome to let me know. I can always generate ad hoc reports and send them through to you and give you updates as you need them as well. You don't have to wait for the calls to come through. Does that sound okay? Yeah? Yeah. Beautiful. Sort of setting up a bit more of a process now to move forward and kind of make sure those biannual catch ups actually happen, and making sure that I'm able to give you those extra reports when you need them as well. So if you wanted something ad hoc, you can let me know, and I'll make sure I generate it nice and quick and get it to you and give you an explanation around it for you. Okay? Excellent. Beautiful. Fantastic. Now on that first page, if you kinda go back a little bit there, essentially, the other side of things we wanted to talk about was the insurances. So we have the insurances placed in force last year there. You still do have the two exclusions. So we have and I'm gonna say this wrong. I I'm sorry about that. It's the eff epididymis exclusion, and we also have the lumbosacral spine exclusion. I know one of the things we talked about was trying to review those as soon as we possibly can. My admin team member's been on the phone for the past half an hour with Clearview trying to work out when and if those can be reviewed to work out when we're able to have look at reviewing those to have those removed there for you. So as soon as she knows what that is, she'll let me know. Hopefully, it's part of the call, and I'll be able to let you know what they are requesting and how we can have that looked at. But as soon as we're able to review those, if they are reviewable, then we'll definitely go ahead and look at that for you. Okay? Excellent. No. That's okay. My main thing is the back exclusion. I mean, the epididymis is probably less less of a concern. But the back exclusion, realistically, for me is something I would like to have reviewed as early as possible because your lumbar sacral is kind of your lower back. And if you think about your lower back, there's a lot more problems that can come from that. Correct. Correct. So it is something I would like to try and have removed as soon as possibly, especially if you're in that construction industry. The likelihood of you having to make a claim on your income protection and or TBD for those sorts of things is a lot higher. So as soon as we are able to have that looked at and hopefully removed, we do wanna go ahead and do that for you just so you have, obviously, a higher chance of being able to claim, especially for those sorts of issues. Does that make sense? Yeah. Beautiful. I wanted to just also touch on the level of cover there. So you'll see the ClearView policy on the first page on the summary of superannuation insurances. Your life cover and your TBD there, you have a level of cover of 1,232,000. Thinking about life cover to start with, so if you were to pass away today, the life cover pays out that sum insured, but then your super is also paid out onto on top of that. Noting you probably want that all paid to Charlene so that she can, you know, cover any of the bills and debts and things and look after the family moving forward. Just double checking, your main primary residence there, the mortgage we had noted was about 375,000. What do you owe on that now? Okay. So, say, $4.60. Perfect. So if we looked at that level of cover, just to sort of show you what that might cover based on your current circumstances. $90.05. It's a little over 1,400,000 there, and then we subtract, I'll say, 460,000 for sorry. It won't be one second. Just trying to get my calculator to work for me. It essentially leaves around about 940,000. So if you sort of looked at the life cover plus your super being paid out, covering the mortgage to leave your family completely debt free, and then with the 940,000 roughly left over, your income we have was a 130 k. Are you still on that same income, or have you had a pay rise? 100 and 35. Yep. Beautiful. So then if we divided the leftover money, the 940,000, by your current income, essentially means that they could replace your income for around about sort of seven years, essentially. Do you feel like that level of cover for life is still fairly appropriate? Yep. Beautiful. With the TBD component, you still have the same level of cover there as well. And, again, if you are TPD ed or unable to go back to work, we can also look to claim on your super to have that a little bit released as well. Are you fairly happy with that TPD level? Yep. I certainly hope not. Very morbid conversation to have, but I wanna see you get to retirement there, Travis, and then enjoy it. You work way too hard to not. Oh, good. With the income protection side of things, you've got a monthly insured benefit of 6,801 on a sixty day waiting and a age 65 benefit period. So we kinda talked about that to give you the best possible benefit in the event of claiming. You're still fairly comfortable with the level of cover you have there, the waiting in the benefit period that we sort of went with? Yep. Beautiful. I'm just sort of checking because your income's gone up a little bit just to sort of see. 135. Yeah. So it does look like you're slightly underinsured based on your current income there, but with Charlene working and everything, does that monthly benefit sort of cover expenses, say? Yep. Yep. Beautiful. Fantastic. Excellent. So, essentially, with the insurance cost, they'll keep reviewing it with you as we kinda go through and review everything each year. These will get more expensive over time. So one of the things we did talked about is they are stepped premium. So it does essentially mean that every year, the policy goes through renewal. There are slight increases in the actual the amount you are insured for, which is great, but it also means the insurances are gonna get more and more expensive over time. So for this year, you've paid $5,342.28 for the policy. That's how much has come out of your super fund for the year. That will increase next year. So we'll make sure to review that when the time comes. And if we need to maybe adjust the cover, reduce it back a little bit, or alter it, we'll look to do that with you. Okay? Beautiful. You will see on that policy that the 6,285, the top amount, that is how much the insurer has actually received for the premium, but you've got a bit of a 15% discount on that due to the taxation consequences in Super. So you've only paid the 5,342. So you got a little bit of a discount there just to note the difference in the two premiums. Okay? Excellent. Do you have any questions at the moment? You're welcome to let me know if you need me to kinda break anything down or if any additional questions come out of things at all. It's okay. Yeah. Beautiful. Fantastic. If you scroll down past that, hub twenty four report, the next one is the Vanguard index chart. This one here is more of a bit of a guide. Sort of shows you how investments work over time and why we invest the way we do. So with your portfolio, you're in that growth environment at the moment, which essentially sees 80% of your super invested in growth assets. So think about things like, if you're looking at that chart there, it's essentially things like US shares, Australian shares, international shares, and listed property as well. So those are growth assets. And those are the ones that over the course of time tend to get us a much greater level of return or greater growth to make us super work harder. However, we do understand they expect that they don't always work the way we want them to, and there are some ups and downs that definitely go with that. So being 80% invested in those growth assets does come with the downtimes, and it's about making sure that you're invested in a portfolio that can go through those downtimes, allow your super to recover back, and then grow and build on that before you're actually wanting to retire. So that growth kind of environment you're in at the moment suits someone who's not accessing super for the next sort of six years. When you're you've got a lot longer than that ahead of you at the moment. So if and when you get to, you know, your mid fifties, the conversation will be very different where I'll be, you know, talking about reducing risk and looking at, you know, moving into more of a conservative portfolio. But for the time being, that generally suits your time horizon. We would normally see someone of your age sitting in that gross to high growth area. And then when you sorta hit your mid fifties and you're about, you know, five to six years out, we sort of look at starting to reduce that risk level a bit for you there. Okay? Excellent. Do you have any questions about the risk profile about, you know, investing or that chart there at all? No. It's beautiful. It's just a bit of a visual we tend to like to put in there. A lot of people just find it easier to sort of have that visual aid to help them along with understanding the investment aspects, which is kinda cool as well because you can see where the dips hit, who was in power when, and what the dips were, yeah, which is kind of cool as well. Excellent. If you scroll on to the next document for me, you've got your certificate of currency there, which goes through the policy that you do have currently in a little bit more detail as we have definitely gone through. This is provided to you every year at renewal, and it looks like it's due to go through renewal in about October for you there as well. Okay. Yep. Beautiful. If this that's the one I'm thinking about. It's probably they're gonna ask you to do a little bit of a survey. And if you answer the survey correctly, then you qualify for that discount. It's definitely worth doing because I honestly, my insurance is through ClearView as well, and I do that every year. And it's definitely worth doing to get that little bit. That 10% can make a little bit of a difference on your policy premium. So it is worth doing. Yeah. All good. The next document along is the financial services guide. This one here is a pretty boring, arduous document. It tends to just run you through everything about who we are, what we do, and how we do it. It has a lovely picture of me in there for you as well and has all my licensing information as a licensed adviser for you. I always tell everyone if you have trouble sleeping one night, feel free to whip that one out and have a bit of a a read. It'll knock you out cold in a few seconds. I can guarantee that. These sorts of documents are that boring, but it is kinda kinda cool to see who you're talking to, and that we are licensed advisers and putting all of that information in the forefront for you as well. Okay? Excellent. The next document along is your ongoing service agreement for the next twelve months there. So down the checkout, ongoing service fees will change a little bit, but for the moment, it's not. You and your Charlene are both onboard as 1.10%. We are keeping it that way. Essentially, that's the 1.10% on a yearly basis, and then it's deducted in smaller monthly increments out of your sofa. And that's our coupling fee as well. So it is reduced from our current fee structure of 1.65% there. So if you're happy to stay on board, I'll get you to sign and return that back there for me, and that allows me to keep updating the advice, providing ongoing services for you. And there's no other charge for the advice that I'm gonna provide to you with regards to the super, the insurances, and and updating your portfolio, that is all inclusive of this service fee for you. Okay? Easy. Do you have any questions about any of those documents? Does anything kinda come to mind that you might like me to answer for you? Or Yeah. Beautiful. Beautiful. Sorry. Yeah. No. Definitely. I do like to sort of note what what the markets are doing. But also note and, look, I will be honest with you. If there's an investment that needs to be removed out of your portfolio, if you're not performing if it's not performing the way we sort of hope it will be, I will be at the forefront in telling you that it's not performing correctly and why. I'll have a look at what's happening, whether we can fix that If the market is just down because the market is just down, that is just a a time that happens. And I will stand in front of that and say, hey. Look. I understand this is occurring. I'll be really honest with you no matter what. But for now, the fact that Benelon has kinda come down, I would love to have kinda gotten everyone out of it a little bit earlier, but it's it's isn't realistically possible to do so without kinda going through and reviewing all of these circumstances to make sure my advice is appropriate. But it's also not down as much as what it could definitely be. So I am happy that we are moving you out of that now, and the loss is very minimal compared to, you know, other investments or if you had a higher balance in in your super there. So more than happy to sort of get that replaced for you. So sorry. You're right. No. Definitely not. No. Not with the issues that they're actually having. Yeah. Yeah. Not with the not with the issues that they're definitely having. There is a lot of selling off going on, and it's only gonna get greater as that occurs. There may be a chance that they come back and and rebound from that, but I do not see it happening in the future in the near future. And I think the risk of you seeing greater losses is higher down the track. So I think removing that now is the way to go for you. Okay? Yeah. Beautiful. So that's the center of those documents there. So once you've kind of gone through and you're welcome to go through them, we do ask that you sign and return those back just so we can kinda keep looking after everything for you. With with your risk profile, so, realistically, you as I kinda went to you in that growth environment there, you've got that eighty twenty split side of things. Are you fairly comfortable with that? Did you wanna kinda go back and review the risk profile, or you're happy you kinda stay in that environment for another year? Yep. Yeah. Beautiful. I can safely yeah. Build on that. Yeah. Absolutely. No. Perfect. Not a problem at all. And you've kind of mentioned to me that your income's up to about 135,000 there at the moment as well. Sorry. Are you how do you extend it to within the family? I know I sent through that strategy paper a few months back with regards the cash flow and budgeting side of things. How did that go? Did you happen to implement much of that, or did you get the debts paid down faster? That's right. Yep. Beautiful. Yep. Perfect. Oh, fantastic. If you sort of quantify that extra funds left in your pocket per week, how much would you say you're able to sort of save or are left over with? Yep. Beautiful. And you just have that sort of short term debt that you were paying off as part of the cash on budgeting side of things. Did that all get paid off? Is that all completed now, or do you still have that loan? Welcome. Yep. Yep. Beautiful. Oh, that's fantastic. It's always one less that makes a big difference. Yeah. Fantastic. I'm glad to hear that went well. Excellent. Yeah. No. That's okay. That's what we're here for, honestly. When we sort of look at additional contributions into super and things like that, are you open to maybe looking at salary sacrifice, or are you sorta hoping to not right now focusing on the deck and all the other expenses you've got going on? Mhmm. Yep. No. That's okay. That's absolutely fine. I'll note it down as something that we can kinda consider as a future consideration and a future goal that we can talk about in more detail there. That's absolutely fine. Excellent. I've also got other assets down here. So your Ford Everest asset value on that last year was about 60,000. Is that sort of gone up or down in value, or what would you value that at now? Yeah. Would you say sort of 55 or yep. No. That's okay. That's not a problem at all. And any that's owned completely debt free, that vehicle as well? Yep. Beautiful. And then I've also got contents down here, rough valuation about 100,000. Would you keep that about the same? Or Yeah. Perfect. Yeah. No. That's okay. Not a problem at all. And any other assets or liabilities that you would sorta note down here at all? No. That's okay. Beautiful. I've got down here now having a look back, estate planning wise, I've got that you haven't had a will and power of attorney done. Have yourself and Charlene sort of talked about doing up a will, power of attorney, things like that? Okay. Beautiful. That's okay. It is definitely worth sort of looking at doing those sorts of things, especially with your house, your property, things like that. We obviously have your beneficiary nominations on file and make sure your beneficiaries are applied and up to date, but that covers your life insurance and your super. So we do like to just make sure that we're reiterating the importance of having a will power of attorney speaking to a solicitor if you've got one. We can always refer you to our local solicitor here if you wanted to do that. The other option is if you have a look, every state and territory also has, like, the a local trustee or a government trustee who can do at will. Some states do them for free as well, so it can be more cost effective. And the wills are done up by solicitors and lawyers. It's just that they try to make it to, you know, help people to get a will in place who may not be able to afford to. And I could always if you wanted me to, I could always email through after the call some information on your local trust fee. That way, you've kinda got that as a bit of a talking point if you wanted me to. Yep. Beautiful. Excellent. And they can also help with guardianship and things like that as well because I know you guys have kids. So doing up, you know, guardianship to sort of protect them if anything happened to the the two of you is also kind of important there as well. Yeah. Excellent. Beautiful. Other than that, it looks like we've got pretty much everything going well. I've got down here that we'll look at, obviously, accessing super at age 60 at the moment. If you did wanna down the track look at, you know, wealth outside of super, let me know. We can definitely talk about that and look at, you know, how you might be able to retire a bit earlier. With the advice, just to kind of recap, make sure I'm on I've got everything down for you, we'll retain your insurances as they are. You're fairly happy with them at the moment. You don't have any trauma or child trauma or anything out of pocket. Did you wanna kinda look at, you know, in-depth more insurances like trauma and child trauma at all? Are you sort of happy with just the cover you've got? That's okay. Beautiful. Excellent. I'll look at the super. I'll reevaluate the portfolio, keeping you in that growth environment there. Look at swapping out any investments that are underperforming. Look at maybe lower cost investments in the portfolio that's working harder as well, and we'll look at that and how it affects you over the next five to ten years. Does that sound okay? Have I kind of missed anything, or is there anything else that you kinda wanted to flag for me to look at for you? No? Yes. Beautiful. All good. Samantha did come back to me. She said that Clearview won't let us review the won't let us review the exclusions yet. We'll get a bit more detail from them soon, hopefully. When they do let us review those exclusions, if they do, then we'll definitely make sure we take care of that with you. But, unfortunately, I've said not quite. They'll try. They'll try. But there'll come a point where we were able to to look at that. If not, we can always look down the track to see if there's another you can ensure that we'll, you know, you know, try to provide the same level of cover without having those exclusions on file. So we'll we'll keep trying. Every year, it's worth reviewing. It's something that I promised you I would do each year, so I will make sure I do so every year with you and when and if we're able to. Or if they won't come to the party, we'll look at another insurer for you as well. So we do always have some options. Yeah. Sorry. Yep. Yeah. Absolutely. I think with the epididymis one, that's probably more of a blanket one. Normally, with back, depending on the outcome, they often do let you review it. Sometimes it's within one to two years. Sometimes they make you sort of hold off about three to four years, but we'll keep working with Clearview each year. Looks like this year, we've only sort of had it for twelve months, so they're sort of saying not yet. We'll just keep kinda reviewing things with them each year. And as long as you've had no ongoing pain, no problems, not having any symptoms or anything like that, there should come a point where they are willing to come to the party and help us out. If they're not, I'll look at other insurers and see what else I can do for you. So we do have other options down the track that I'm willing to explore to help you out. Okay? Easy. I wanted to make sure as well that I do have you booked in for your advice presentation once we've got that research done. It doesn't take too long to do so. I can, if you're comfortable, rebook you in for that now. Would that be okay? Yep. Beautiful. So it probably takes, I reckon, about two weeks to do so. So I can have everything kinda done for you the week of the September 7. It's about two weeks away. Is there a day or an afternoon that sort of suits you best to kinda go through the updated advice? Yep. Beautiful. And sort of afternoon or morning? Yep. Yep. Perfect. I do have 03:30 available on the Wednesday, September 9 for you. So I'll pop that in there. I'll add a little text message reminder so it sends you a message to let you know. I'll get stuck into the research to remove Bandalong and any other investments we maybe need to remove for you. We'll get that advice out to you nice and quickly in that two weeks on the ninth. We'll go through it, and then you can sort of see what I'm recommending, how and why the advantages, disadvantages, and the risks involved then. How does that sound? Yeah. Beautiful. Thank you so much for this afternoon, Travis. I hope you have a lovely afternoon. Are you done for the day? Or thank you. Yep. Beautiful. Well, you nice. You get to put your feet up and relax. Beautiful. Well, thank you so much for taking my call. I'll get stuck into this research. Just update your advice and keep working forward towards your goals. I'm looking forward to being a part of all of this and working towards your retirement. And if there's anything you need in the meantime, please let me know. Okay? My pleasure. Enjoy your afternoon. Thanks, Travis. See you later. 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Travis. It's Dana from Oakley Financial. How are you this afternoon? I'm very well. Thank you.\n\nHow's your day been so far? Oh, that's fantastic. I had you booked in to go through your annual review today. Is now still a good time there for you? Fantastic.\n\nAs part of the call, I normally do send through some annual review documents to you via email. Are you able to access your emails there at the moment? If you can't, it's okay. You can? Fantastic.\n\nWell, I send this one through. I'll get you to jump in if that's okay, and we'll pull them up and go through them together just so you can see what I'm talking about and go through them with me. Just sometimes makes it a little bit easier. That's all. There we go.\n\nBeautiful. I'll just press send on that one now. There we go. Yeah. You're fine.\n\nThat's not a problem at all. Yeah. Should've come through from Odoo sign. It might take a second. I've just pressed send on that one there.\n\nYou got it. Fantastic. When you open up the documents there, it does have a little sign button. We just ask you to press that button so you can go through to view the documents there. However, it will not ask you to sign anything until you've read them, until you're happy to do so, and you're welcome to go back and review them prior to signing the bottom of the documents there.\n\nOkay? Excellent. Beautiful. Now the first one that you'll see is your summary of superannuation and insurances. So the good thing last year was we were able to go back and consolidate things for you.\n\nSo you do now just have your hub twenty four super account. It shows the balance in the account as of today. We're sitting at a $169,905.43 there. Okay? Beautiful.\n\nBeautiful. With that one there, the next report, if you can scroll forward for me, is your performance report, and that sort of shows how all the investments have performed within the fund there. Travis, I did go back and have a bit of a look at those prior to the call just to sort of, have a look and see whether some advice and some things I would like to update for you to make your fund work a little bit better. So this year, I have noticed one of your investments sort of holding your portfolio back a little bit. So I do wanna go back and maybe do some switching out of those for you.\n\nAre you on that performance report, it should say performance with internal rate of return. That's the one. Beautiful. You'll see the first on the first page that the top investments have been along Australian equities. If you look the second last line, is that it is showing that it is down.\n\nIt's a negative figure because it's in brackets there. So it is holding your portfolio back a little bit this year. So I do wanna look at removing that one out. Now the main sort of issue with Van Along is that that was meant to be more of an actively managed fund within your portfolio there, and the investment manager within Bannalong is trying to outperform against the market. They are trying to pick investments and choose when to buy and sell into the market.\n\nThey haven't been able to do that this year. They've had some other underlying issues, which is causing them to have a bit of a downward trend. And, realistically, I would be wanting to keep them in there if the issue wasn't with the investment. If it was, say, the whole market, like Australian equity is really seeing a bit of a downtime, then it'd be worth sort of keeping that in your portfolio. However, if you look about four investments down, you've got the investment.\n\nThe tick code is keywords. It's the beta shares RAPI. That is essentially giving you exposure to Australian equities, and that investment's up by over 14.05%. So the fact that the Australian market and Australian equities as a whole is actually up, but then along is down, sort of shows us yeah. There's more of an issue within the fund there.\n\nSo I do wanna do a bit of an investment switch and update the advice for you this year and look at removing that one out of the investments and replacing it with something else that's probably performing a little bit better. To be full disclosure with you, it does essentially mean that we are cementing that loss and we are removing that investment out, but I would rather cement the loss now and look at replacing it with something else that can gain that money back nice and quick for you rather than wait and see if it keeps dropping. So the underlying issues that the underlying issues that investment has had are going to continue, so it is best to remove you out of that now if that makes sense. Does that do you have any questions at all? So sorry.\n\nDid you have I've also got the phone cut out if you're still if you have more to that sentence. Sorry. You're right. Yeah. And yeah.\n\nYeah. And, look, honestly, it's not as big. It is 90% there, but it is showing, essentially, it's only down by about $3,000. So, realistically, we are picking it up as much as possible, but it does essentially mean that out of all the clients, we are calling through everyone. So we are having to do it as part of the annual review process because I just don't have a yeah.\n\nEssentially, the time of the day to call through everyone and go, hey. We have to update this and do that. We essentially have to, in order to remove that from your portfolio, have this review, have a big conversation, and look at what to replace it with. We were trying to sort of find some approval to go through and do have, like, a big standard advice document to have things removed automatically from your portfolio. But in doing that, the compliance wasn't there, and it sort of meant that with any other changes in your life, that advice piece would be essentially not relevant to your circumstances.\n\nSo it is essentially the best way to do it as per the annual review. The loss isn't as big as what it could have been if we had to sort of wait it down the track. And from when, Benelong has sort of seen that issue, which isn't that long ago. It's only really very recently that it sort of had that major dip. Majority of the year, it had actually been performing very well.\n\nIt's only probably in the last sort of two months that it's really seen that downtime that we're sort of noting at the moment. And so we're sort of trying to bring it to your attention as quickly as we possibly can. So I do understand where you're coming from there, though. Okay? Easy.\n\nAll good. What I sort of wanted to look at talking to you about was because you are still fairly young, you've got a lot of time ahead of you before you're wanting to access your super there. One of the goals we were sort of looking at was accessing your super, essentially, around about the age of 60. Is that still your goal for when you're wanting to access super? Yep.\n\nYep. Yep. So at no. That's okay. So at the moment, under the current legislation, the earliest you're able to access super is the age of 60.\n\nIf you are wanting to look at sort of building wealth outside of super and or in other ways to be able to retire earlier, we can certainly help in that area and sort of look at ways to do that. But the earliest under the current legislation is sixty sixty if you fully retire to access your suit for that. In saying that if they do happen to reduce the age, I'll be the first to let you know. We'll make sure that you're aware of that. So I'll note down here that we are looking at 60.\n\nSo, realistically, you do have over twenty years before you're able to access your super at this sort of point in time. We have a couple of options for how we can sort of look to replace that investment option for you. So that is more of an actively managed fund within your SOFA there. We can look at replacing that with another active manager if you would like to. Realistically, having an active manager in your portfolio means that they they can and sometimes do outperform against the market and provide greater returns.\n\nYou do tend to pay a little bit more in investment fees in order to have an active manager in your portfolio. Or if you wanted me to sort of focus on the fee component, I could always look at swapping it with something that's just a bit more low cost and less actively managed to sort of you know, when you think about passively invested funds, often over time, they outperform active managers and actually do a lot better. Is there sort of a preference to how you would like to see your investment structured, or what would you like to sort of see? Yeah. That's fine.\n\nIf you're not really sure, I can sort of look at the two different options, look at the overall cost of replacing the investment. I would like to just go back and review your all your investments and your super to make sure everything is working and maybe switch out anything else that might be underperforming there as well. You'll also sort of notice if you're looking at that report there, the Van Dyck property, that one is also sort of underperforming a little bit at the moment as well. And, again, that has only been very recently. There's been some structural changes within the government and within the legislation around property and investments and things like that.\n\nSo that has very recently affected that investment as well. So I would probably like to maybe go and look at whether and assess whether that's an appropriate investment within your super fund. It's also kind of important to note that over time, investments that went in your super fund a couple of years back might have been appropriate back then. But over time, they can perform well and then perform not so great as well. So things that I move you into now, we'll keep reviewing down the track because in two, three, or even five years' time, some of those investments might be underperforming and need to be removed out there for you.\n\nSo, there there's always gonna be those ups and downs, but I do wanted to and had a look at this beforehand and definitely wanna update the advice for you, look at where we're tracking, and maybe switch out some of these to make sure I can hopefully lower some investment fees for you to lower the cost of your overall portfolio, but also look at what's been performing really well and what has greater potential down the track. Does that make sense? And do you have any questions? That's all good. Yeah.\n\nYeah. Beautiful. Excellent. I did have a really good review of things beforehand. So I definitely had some advice that I wanted to come into the call to let you know I wanted to make for you, which is good.\n\nBut real thank you. Essentially, everything else, if you look at that same report, is the has been performing really well. So your bank hybrids, they are more defensive in nature. I will probably look to remove them out of there as well just because down the track, the government will be removing or requesting that they're phasing out that investment, essentially. So we'll look to maybe replace that while we're going.\n\nAnd any changes that we feel, we should probably make it a short term. We'll try to all make it once. That way, we can allow your portfolio time to recover, rebuild, and kinda grow from there. How does that sound? Yep.\n\nBeautiful. Yeah. Yeah. Absolutely. So your your battery and lithium tech has done very, very nicely, one of the highest performance there.\n\nCybersecurity also is up. You're up over 18% growth for that as well. And your your keywords, so that's your beta shares, Ravi, so giving you exposure to some of the, you know, top 200 companies on the ASX, the Australian Equities, and that's still performing by 14.05%. So everything else is doing really, really well. Overall, your portfolio is up, so the performances the investments that have performed better or well have actually outperformed what the ones are that are down, so your VanEck property and your VanEalong investments.\n\nBut we just wanna make sure that we re reassess things regularly and keep them working harder for you. Okay? Excellent. So, yeah, your portfolio net of fees, so after all fees have been taken into account, it's up by 4.63%. So, realistically, that is a bit lower to where I would like your portfolio to be.\n\nHowever, it is a it is still a positive return for the year. When I sorta have a look so I did kinda go back and look at from inception to sorta look at how it's been tracking. And from inception, you've essentially seen a little over it's 18.23% over the past two years total since you've come on board. So when you kinda break that down yeah. No.\n\nSo that's a good thing. That's a factoring in just the growth. So the growth of the income within the portfolio are contributions that go in there or considered a capital. And so the rate of return looks at the growth and the income that's being generated from the portfolio solely over the past two years and with this report over the past two months there. So while you're seeing that this last twelve months of 4.63, it essentially shows the growth of the sorry.\n\nThe net earnings for the year as the growth in the earnings is $10,335. You've made over $10,000 in the portfolio, which is good because last year, we kind of had those last few changes and the consolidation made there as well. So there has been a lot happening with the with the portfolio with the super fund. I'm definitely noting that this return is a lot lower than where I would like it to be given the sort of portfolio that you're in, but we just wanna make changes and keep it working harder so we can kinda get it going for you. The other thing I kinda mentioned is I sort of also pulled up a report from inception, which kinda shows what you've made since you came on board originally from the last so you came on board around 2024 there.\n\nAnd in the last sort of two years, you've made about nine sorry. 18.23%. That's from inception to now. When we average that over the past two years, it's averaged about a 9.11%. So, realistically, your portfolio is still working.\n\nIt is doing what it needs to. It is doing well. It's just that over the when you break it down to per year, the return, this is a little bit lower, and it kinda shows that we need to move some of those investments out and replace them for you. And I definitely wanna get that done nice and quickly for you. Okay?\n\nYeah. Yeah. Absolutely. It is one thing that we sort of wanted to do, and I know with the going to the advice last year, it kinda made it a little bit harder. But moving forward, I'd love to do another catch up with you in about six months.\n\nSo that would bring us up to February so we can have a look at it biannually. We'll go through, update the advice now to make some changes to your investments. And then come February, we can have another sort of biannual catch up look at how that's been taken into effect for you and whether we need to make more changes or whether we're good just to kinda go for the next six months there. That way, you do get those catch ups on more of a regular basis. Does that sound okay?\n\nYeah. Beautiful. And if in the meantime, like, in between that six months period, you want additional updates on what the portfolio has done or reports and things like that, you're welcome to let me know. I can always generate ad hoc reports and send them through to you and give you updates as you need them as well. You don't have to wait for the calls to come through.\n\nDoes that sound okay? Yeah? Yeah. Beautiful. Sort of setting up a bit more of a process now to move forward and kind of make sure those biannual catch ups actually happen, and making sure that I'm able to give you those extra reports when you need them as well.\n\nSo if you wanted something ad hoc, you can let me know, and I'll make sure I generate it nice and quick and get it to you and give you an explanation around it for you. Okay? Excellent. Beautiful. Fantastic.\n\nNow on that first page, if you kinda go back a little bit there, essentially, the other side of things we wanted to talk about was the insurances. So we have the insurances placed in force last year there. You still do have the two exclusions. So we have and I'm gonna say this wrong. I I'm sorry about that.\n\nIt's the eff epididymis exclusion, and we also have the lumbosacral spine exclusion. I know one of the things we talked about was trying to review those as soon as we possibly can. My admin team member's been on the phone for the past half an hour with Clearview trying to work out when and if those can be reviewed to work out when we're able to have look at reviewing those to have those removed there for you. So as soon as she knows what that is, she'll let me know. Hopefully, it's part of the call, and I'll be able to let you know what they are requesting and how we can have that looked at.\n\nBut as soon as we're able to review those, if they are reviewable, then we'll definitely go ahead and look at that for you. Okay? Excellent. No. That's okay.\n\nMy main thing is the back exclusion. I mean, the epididymis is probably less less of a concern. But the back exclusion, realistically, for me is something I would like to have reviewed as early as possible because your lumbar sacral is kind of your lower back. And if you think about your lower back, there's a lot more problems that can come from that. Correct.\n\nCorrect. So it is something I would like to try and have removed as soon as possibly, especially if you're in that construction industry. The likelihood of you having to make a claim on your income protection and or TBD for those sorts of things is a lot higher. So as soon as we are able to have that looked at and hopefully removed, we do wanna go ahead and do that for you just so you have, obviously, a higher chance of being able to claim, especially for those sorts of issues. Does that make sense?\n\nYeah. Beautiful. I wanted to just also touch on the level of cover there. So you'll see the ClearView policy on the first page on the summary of superannuation insurances. Your life cover and your TBD there, you have a level of cover of 1,232,000.\n\nThinking about life cover to start with, so if you were to pass away today, the life cover pays out that sum insured, but then your super is also paid out onto on top of that. Noting you probably want that all paid to Charlene so that she can, you know, cover any of the bills and debts and things and look after the family moving forward. Just double checking, your main primary residence there, the mortgage we had noted was about 375,000. What do you owe on that now? Okay.\n\nSo, say, $4.60. Perfect. So if we looked at that level of cover, just to sort of show you what that might cover based on your current circumstances. $90.05. It's a little over 1,400,000 there, and then we subtract, I'll say, 460,000 for sorry.\n\nIt won't be one second. Just trying to get my calculator to work for me. It essentially leaves around about 940,000. So if you sort of looked at the life cover plus your super being paid out, covering the mortgage to leave your family completely debt free, and then with the 940,000 roughly left over, your income we have was a 130 k. Are you still on that same income, or have you had a pay rise?\n\n100 and 35. Yep. Beautiful. So then if we divided the leftover money, the 940,000, by your current income, essentially means that they could replace your income for around about sort of seven years, essentially. Do you feel like that level of cover for life is still fairly appropriate?\n\nYep. Beautiful. With the TBD component, you still have the same level of cover there as well. And, again, if you are TPD ed or unable to go back to work, we can also look to claim on your super to have that a little bit released as well. Are you fairly happy with that TPD level?\n\nYep. I certainly hope not. Very morbid conversation to have, but I wanna see you get to retirement there, Travis, and then enjoy it. You work way too hard to not. Oh, good.\n\nWith the income protection side of things, you've got a monthly insured benefit of 6,801 on a sixty day waiting and a age 65 benefit period. So we kinda talked about that to give you the best possible benefit in the event of claiming. You're still fairly comfortable with the level of cover you have there, the waiting in the benefit period that we sort of went with? Yep. Beautiful.\n\nI'm just sort of checking because your income's gone up a little bit just to sort of see. 135. Yeah. So it does look like you're slightly underinsured based on your current income there, but with Charlene working and everything, does that monthly benefit sort of cover expenses, say? Yep.\n\nYep. Beautiful. Fantastic. Excellent. So, essentially, with the insurance cost, they'll keep reviewing it with you as we kinda go through and review everything each year.\n\nThese will get more expensive over time. So one of the things we did talked about is they are stepped premium. So it does essentially mean that every year, the policy goes through renewal. There are slight increases in the actual the amount you are insured for, which is great, but it also means the insurances are gonna get more and more expensive over time. So for this year, you've paid $5,342.28 for the policy.\n\nThat's how much has come out of your super fund for the year. That will increase next year. So we'll make sure to review that when the time comes. And if we need to maybe adjust the cover, reduce it back a little bit, or alter it, we'll look to do that with you. Okay?\n\nBeautiful. You will see on that policy that the 6,285, the top amount, that is how much the insurer has actually received for the premium, but you've got a bit of a 15% discount on that due to the taxation consequences in Super. So you've only paid the 5,342. So you got a little bit of a discount there just to note the difference in the two premiums. Okay?\n\nExcellent. Do you have any questions at the moment? You're welcome to let me know if you need me to kinda break anything down or if any additional questions come out of things at all. It's okay. Yeah.\n\nBeautiful. Fantastic. If you scroll down past that, hub twenty four report, the next one is the Vanguard index chart. This one here is more of a bit of a guide. Sort of shows you how investments work over time and why we invest the way we do.\n\nSo with your portfolio, you're in that growth environment at the moment, which essentially sees 80% of your super invested in growth assets. So think about things like, if you're looking at that chart there, it's essentially things like US shares, Australian shares, international shares, and listed property as well. So those are growth assets. And those are the ones that over the course of time tend to get us a much greater level of return or greater growth to make us super work harder. However, we do understand they expect that they don't always work the way we want them to, and there are some ups and downs that definitely go with that.\n\nSo being 80% invested in those growth assets does come with the downtimes, and it's about making sure that you're invested in a portfolio that can go through those downtimes, allow your super to recover back, and then grow and build on that before you're actually wanting to retire. So that growth kind of environment you're in at the moment suits someone who's not accessing super for the next sort of six years. When you're you've got a lot longer than that ahead of you at the moment. So if and when you get to, you know, your mid fifties, the conversation will be very different where I'll be, you know, talking about reducing risk and looking at, you know, moving into more of a conservative portfolio. But for the time being, that generally suits your time horizon.\n\nWe would normally see someone of your age sitting in that gross to high growth area. And then when you sorta hit your mid fifties and you're about, you know, five to six years out, we sort of look at starting to reduce that risk level a bit for you there. Okay? Excellent. Do you have any questions about the risk profile about, you know, investing or that chart there at all?\n\nNo. It's beautiful. It's just a bit of a visual we tend to like to put in there. A lot of people just find it easier to sort of have that visual aid to help them along with understanding the investment aspects, which is kinda cool as well because you can see where the dips hit, who was in power when, and what the dips were, yeah, which is kind of cool as well. Excellent.\n\nIf you scroll on to the next document for me, you've got your certificate of currency there, which goes through the policy that you do have currently in a little bit more detail as we have definitely gone through. This is provided to you every year at renewal, and it looks like it's due to go through renewal in about October for you there as well. Okay. Yep. Beautiful.\n\nIf this that's the one I'm thinking about. It's probably they're gonna ask you to do a little bit of a survey. And if you answer the survey correctly, then you qualify for that discount. It's definitely worth doing because I honestly, my insurance is through ClearView as well, and I do that every year. And it's definitely worth doing to get that little bit.\n\nThat 10% can make a little bit of a difference on your policy premium. So it is worth doing. Yeah. All good. The next document along is the financial services guide.\n\nThis one here is a pretty boring, arduous document. It tends to just run you through everything about who we are, what we do, and how we do it. It has a lovely picture of me in there for you as well and has all my licensing information as a licensed adviser for you. I always tell everyone if you have trouble sleeping one night, feel free to whip that one out and have a bit of a a read. It'll knock you out cold in a few seconds.\n\nI can guarantee that. These sorts of documents are that boring, but it is kinda kinda cool to see who you're talking to, and that we are licensed advisers and putting all of that information in the forefront for you as well. Okay? Excellent. The next document along is your ongoing service agreement for the next twelve months there.\n\nSo down the checkout, ongoing service fees will change a little bit, but for the moment, it's not. You and your Charlene are both onboard as 1.10%. We are keeping it that way. Essentially, that's the 1.10% on a yearly basis, and then it's deducted in smaller monthly increments out of your sofa. And that's our coupling fee as well.\n\nSo it is reduced from our current fee structure of 1.65% there. So if you're happy to stay on board, I'll get you to sign and return that back there for me, and that allows me to keep updating the advice, providing ongoing services for you. And there's no other charge for the advice that I'm gonna provide to you with regards to the super, the insurances, and and updating your portfolio, that is all inclusive of this service fee for you. Okay? Easy.\n\nDo you have any questions about any of those documents? Does anything kinda come to mind that you might like me to answer for you? Or Yeah. Beautiful. Beautiful.\n\nSorry. Yeah. No. Definitely. I do like to sort of note what what the markets are doing.\n\nBut also note and, look, I will be honest with you. If there's an investment that needs to be removed out of your portfolio, if you're not performing if it's not performing the way we sort of hope it will be, I will be at the forefront in telling you that it's not performing correctly and why. I'll have a look at what's happening, whether we can fix that If the market is just down because the market is just down, that is just a a time that happens. And I will stand in front of that and say, hey. Look.\n\nI understand this is occurring. I'll be really honest with you no matter what. But for now, the fact that Benelon has kinda come down, I would love to have kinda gotten everyone out of it a little bit earlier, but it's it's isn't realistically possible to do so without kinda going through and reviewing all of these circumstances to make sure my advice is appropriate. But it's also not down as much as what it could definitely be. So I am happy that we are moving you out of that now, and the loss is very minimal compared to, you know, other investments or if you had a higher balance in in your super there.\n\nSo more than happy to sort of get that replaced for you. So sorry. You're right. No. Definitely not.\n\nNo. Not with the issues that they're actually having. Yeah. Yeah. Not with the not with the issues that they're definitely having.\n\nThere is a lot of selling off going on, and it's only gonna get greater as that occurs. There may be a chance that they come back and and rebound from that, but I do not see it happening in the future in the near future. And I think the risk of you seeing greater losses is higher down the track. So I think removing that now is the way to go for you. Okay?\n\nYeah. Beautiful. So that's the center of those documents there. So once you've kind of gone through and you're welcome to go through them, we do ask that you sign and return those back just so we can kinda keep looking after everything for you. With with your risk profile, so, realistically, you as I kinda went to you in that growth environment there, you've got that eighty twenty split side of things.\n\nAre you fairly comfortable with that? Did you wanna kinda go back and review the risk profile, or you're happy you kinda stay in that environment for another year? Yep. Yeah. Beautiful.\n\nI can safely yeah. Build on that. Yeah. Absolutely. No.\n\nPerfect. Not a problem at all. And you've kind of mentioned to me that your income's up to about 135,000 there at the moment as well. Sorry. Are you how do you extend it to within the family?\n\nI know I sent through that strategy paper a few months back with regards the cash flow and budgeting side of things. How did that go? Did you happen to implement much of that, or did you get the debts paid down faster? That's right. Yep.\n\nBeautiful. Yep. Perfect. Oh, fantastic. If you sort of quantify that extra funds left in your pocket per week, how much would you say you're able to sort of save or are left over with?\n\nYep. Beautiful. And you just have that sort of short term debt that you were paying off as part of the cash on budgeting side of things. Did that all get paid off? Is that all completed now, or do you still have that loan?\n\nWelcome. Yep. Yep. Beautiful. Oh, that's fantastic.\n\nIt's always one less that makes a big difference. Yeah. Fantastic. I'm glad to hear that went well. Excellent.\n\nYeah. No. That's okay. That's what we're here for, honestly. When we sort of look at additional contributions into super and things like that, are you open to maybe looking at salary sacrifice, or are you sorta hoping to not right now focusing on the deck and all the other expenses you've got going on?\n\nMhmm. Yep. No. That's okay. That's absolutely fine.\n\nI'll note it down as something that we can kinda consider as a future consideration and a future goal that we can talk about in more detail there. That's absolutely fine. Excellent. I've also got other assets down here. So your Ford Everest asset value on that last year was about 60,000.\n\nIs that sort of gone up or down in value, or what would you value that at now? Yeah. Would you say sort of 55 or yep. No. That's okay.\n\nThat's not a problem at all. And any that's owned completely debt free, that vehicle as well? Yep. Beautiful. And then I've also got contents down here, rough valuation about 100,000.\n\nWould you keep that about the same? Or Yeah. Perfect. Yeah. No.\n\nThat's okay. Not a problem at all. And any other assets or liabilities that you would sorta note down here at all? No. That's okay.\n\nBeautiful. I've got down here now having a look back, estate planning wise, I've got that you haven't had a will and power of attorney done. Have yourself and Charlene sort of talked about doing up a will, power of attorney, things like that? Okay. Beautiful.\n\nThat's okay. It is definitely worth sort of looking at doing those sorts of things, especially with your house, your property, things like that. We obviously have your beneficiary nominations on file and make sure your beneficiaries are applied and up to date, but that covers your life insurance and your super. So we do like to just make sure that we're reiterating the importance of having a will power of attorney speaking to a solicitor if you've got one. We can always refer you to our local solicitor here if you wanted to do that.\n\nThe other option is if you have a look, every state and territory also has, like, the a local trustee or a government trustee who can do at will. Some states do them for free as well, so it can be more cost effective. And the wills are done up by solicitors and lawyers. It's just that they try to make it to, you know, help people to get a will in place who may not be able to afford to. And I could always if you wanted me to, I could always email through after the call some information on your local trust fee.\n\nThat way, you've kinda got that as a bit of a talking point if you wanted me to. Yep. Beautiful. Excellent. And they can also help with guardianship and things like that as well because I know you guys have kids.\n\nSo doing up, you know, guardianship to sort of protect them if anything happened to the the two of you is also kind of important there as well. Yeah. Excellent. Beautiful. Other than that, it looks like we've got pretty much everything going well.\n\nI've got down here that we'll look at, obviously, accessing super at age 60 at the moment. If you did wanna down the track look at, you know, wealth outside of super, let me know. We can definitely talk about that and look at, you know, how you might be able to retire a bit earlier. With the advice, just to kind of recap, make sure I'm on I've got everything down for you, we'll retain your insurances as they are. You're fairly happy with them at the moment.\n\nYou don't have any trauma or child trauma or anything out of pocket. Did you wanna kinda look at, you know, in-depth more insurances like trauma and child trauma at all? Are you sort of happy with just the cover you've got? That's okay. Beautiful.\n\nExcellent. I'll look at the super. I'll reevaluate the portfolio, keeping you in that growth environment there. Look at swapping out any investments that are underperforming. Look at maybe lower cost investments in the portfolio that's working harder as well, and we'll look at that and how it affects you over the next five to ten years.\n\nDoes that sound okay? Have I kind of missed anything, or is there anything else that you kinda wanted to flag for me to look at for you? No? Yes. Beautiful.\n\nAll good. Samantha did come back to me. She said that Clearview won't let us review the won't let us review the exclusions yet. We'll get a bit more detail from them soon, hopefully. When they do let us review those exclusions, if they do, then we'll definitely make sure we take care of that with you.\n\nBut, unfortunately, I've said not quite. They'll try. They'll try. But there'll come a point where we were able to to look at that. If not, we can always look down the track to see if there's another you can ensure that we'll, you know, you know, try to provide the same level of cover without having those exclusions on file.\n\nSo we'll we'll keep trying. Every year, it's worth reviewing. It's something that I promised you I would do each year, so I will make sure I do so every year with you and when and if we're able to. Or if they won't come to the party, we'll look at another insurer for you as well. So we do always have some options.\n\nYeah. Sorry. Yep. Yeah. Absolutely.\n\nI think with the epididymis one, that's probably more of a blanket one. Normally, with back, depending on the outcome, they often do let you review it. Sometimes it's within one to two years. Sometimes they make you sort of hold off about three to four years, but we'll keep working with Clearview each year. Looks like this year, we've only sort of had it for twelve months, so they're sort of saying not yet.\n\nWe'll just keep kinda reviewing things with them each year. And as long as you've had no ongoing pain, no problems, not having any symptoms or anything like that, there should come a point where they are willing to come to the party and help us out. If they're not, I'll look at other insurers and see what else I can do for you. So we do have other options down the track that I'm willing to explore to help you out. Okay?\n\nEasy. I wanted to make sure as well that I do have you booked in for your advice presentation once we've got that research done. It doesn't take too long to do so. I can, if you're comfortable, rebook you in for that now. Would that be okay?\n\nYep. Beautiful. So it probably takes, I reckon, about two weeks to do so. So I can have everything kinda done for you the week of the September 7. It's about two weeks away.\n\nIs there a day or an afternoon that sort of suits you best to kinda go through the updated advice? Yep. Beautiful. And sort of afternoon or morning? Yep.\n\nYep. Perfect. I do have 03:30 available on the Wednesday, September 9 for you. So I'll pop that in there. I'll add a little text message reminder so it sends you a message to let you know.\n\nI'll get stuck into the research to remove Bandalong and any other investments we maybe need to remove for you. We'll get that advice out to you nice and quickly in that two weeks on the ninth. We'll go through it, and then you can sort of see what I'm recommending, how and why the advantages, disadvantages, and the risks involved then. How does that sound? Yeah.\n\nBeautiful. Thank you so much for this afternoon, Travis. I hope you have a lovely afternoon. Are you done for the day? Or thank you.\n\nYep. Beautiful. Well, you nice. You get to put your feet up and relax. Beautiful.\n\nWell, thank you so much for taking my call. I'll get stuck into this research. Just update your advice and keep working forward towards your goals. I'm looking forward to being a part of all of this and working towards your retirement. And if there's anything you need in the meantime, please let me know.\n\nOkay? My pleasure. Enjoy your afternoon. Thanks, Travis. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Travis.","start":3.6,"end":4.24,"sentiment":"neutral","sentiment_score":0.12214571982622147},{"text":"It's Dana from Oakley Financial.","start":4.24,"end":5.94,"sentiment":"neutral","sentiment_score":0.16103878915309905},{"text":"How are you this afternoon?","start":6.0,"end":7.22,"sentiment":"neutral","sentiment_score":0.20101916491985322},{"text":"I'm very well.","start":9.28,"end":10.24,"sentiment":"positive","sentiment_score":0.5567958354949951},{"text":"Thank you.","start":10.24,"end":10.719999,"sentiment":"positive","sentiment_score":0.5650538802146912}],"sentiment":"neutral","sentiment_score":0.2855927339371513,"num_words":17,"start":3.6,"end":10.719999},{"sentences":[{"text":"How's your day been so far?","start":10.719999,"end":12.42,"sentiment":"neutral","sentiment_score":0.2545529082417488},{"text":"Oh, that's fantastic.","start":14.48,"end":17.734999,"sentiment":"neutral","sentiment_score":0.31448722382386524},{"text":"I had you booked in to go through your annual review today.","start":18.355,"end":20.675,"sentiment":"neutral","sentiment_score":0.3243902921676636},{"text":"Is now still a good time there for you?","start":20.675,"end":22.695,"sentiment":"neutral","sentiment_score":0.2375082621971766},{"text":"Fantastic.","start":24.275,"end":24.775,"sentiment":"positive","sentiment_score":0.5382543802261353}],"sentiment":"neutral","sentiment_score":0.2915900440946702,"num_words":31,"start":10.719999,"end":24.775},{"sentences":[{"text":"As part of the call, I normally do send through some annual review documents to you via email.","start":25.314999,"end":29.519999,"sentiment":"neutral","sentiment_score":0.13952553851736915},{"text":"Are you able to access your emails there at the moment?","start":29.519999,"end":32.079998,"sentiment":"neutral","sentiment_score":0.05052064325321804},{"text":"If you can't, it's okay.","start":32.079998,"end":33.379997,"sentiment":"neutral","sentiment_score":-0.027169222384691237},{"text":"You can?","start":35.04,"end":35.68,"sentiment":"neutral","sentiment_score":-0.012496144976466894},{"text":"Fantastic.","start":35.68,"end":36.18,"sentiment":"neutral","sentiment_score":0.30483466386795044}],"sentiment":"neutral","sentiment_score":0.0867887305699893,"num_words":37,"start":25.314999,"end":36.18},{"sentences":[{"text":"Well, I send this one through.","start":36.32,"end":37.52,"sentiment":"neutral","sentiment_score":0.12492010742425919},{"text":"I'll get you to jump in if that's okay, and we'll pull them up and go through them together just so you can see what I'm talking about and go through them with me.","start":37.52,"end":44.074997,"sentiment":"neutral","sentiment_score":0.18723081928842208},{"text":"Just sometimes makes it a little bit easier.","start":44.074997,"end":45.835,"sentiment":"neutral","sentiment_score":0.1675227377563715},{"text":"That's all.","start":45.835,"end":46.574997,"sentiment":"neutral","sentiment_score":0.1284942701458931},{"text":"There we go.","start":47.835,"end":48.635,"sentiment":"neutral","sentiment_score":0.13506373763084412}],"sentiment":"neutral","sentiment_score":0.17203264444504143,"num_words":53,"start":36.32,"end":48.635},{"sentences":[{"text":"Beautiful.","start":48.635,"end":49.135,"sentiment":"neutral","sentiment_score":0.3230050802230835},{"text":"I'll just press send on that one now.","start":49.355,"end":51.454998,"sentiment":"neutral","sentiment_score":0.09569209720939398},{"text":"There we go.","start":53.675,"end":54.655,"sentiment":"neutral","sentiment_score":0.002588207833468914},{"text":"Yeah.","start":58.88,"end":59.12,"sentiment":"neutral","sentiment_score":0.01721249893307686},{"text":"You're fine.","start":59.12,"end":59.68,"sentiment":"neutral","sentiment_score":0.025237371679395437}],"sentiment":"neutral","sentiment_score":0.07759958157936732,"num_words":15,"start":48.635,"end":59.68},{"sentences":[{"text":"That's not a problem at all.","start":59.68,"end":61.22,"sentiment":"neutral","sentiment_score":0.014838716636101404},{"text":"Yeah.","start":67.68,"end":68.16,"sentiment":"neutral","sentiment_score":0.014407945796847343},{"text":"Should've come through from Odoo sign.","start":68.16,"end":69.68,"sentiment":"neutral","sentiment_score":0.016663414270927508},{"text":"It might take a second.","start":69.68,"end":70.72,"sentiment":"neutral","sentiment_score":0.0036789724603295327},{"text":"I've just pressed send on that one there.","start":70.72,"end":72.854996,"sentiment":"neutral","sentiment_score":-0.01073491369606927}],"sentiment":"neutral","sentiment_score":0.005228318614312089,"num_words":26,"start":59.68,"end":72.854996},{"sentences":[{"text":"You got it.","start":72.994995,"end":73.715,"sentiment":"neutral","sentiment_score":0.07633340855439504},{"text":"Fantastic.","start":73.715,"end":74.215,"sentiment":"neutral","sentiment_score":0.2630820572376251},{"text":"When you open up the documents there, it does have a little sign button.","start":75.395,"end":79.075,"sentiment":"neutral","sentiment_score":0.1423931425171239},{"text":"We just ask you to press that button so you can go through to view the documents there.","start":79.075,"end":83.415,"sentiment":"neutral","sentiment_score":0.11840036221676403},{"text":"However, it will not ask you to sign anything until you've read them, until you're happy to do so, and you're welcome to go back and review them prior to signing the bottom of the documents there.","start":84.079994,"end":92.96,"sentiment":"neutral","sentiment_score":0.08794054509820165}],"sentiment":"neutral","sentiment_score":0.10781634200925697,"num_words":73,"start":72.994995,"end":92.96},{"sentences":[{"text":"Okay?","start":92.96,"end":93.46,"sentiment":"neutral","sentiment_score":0.02811628580093384},{"text":"Excellent.","start":94.71999,"end":95.21999,"sentiment":"positive","sentiment_score":0.6952040195465088},{"text":"Beautiful.","start":95.775,"end":96.255005,"sentiment":"positive","sentiment_score":0.6773161888122559},{"text":"Now the first one that you'll see is your summary of superannuation and insurances.","start":96.255005,"end":99.955,"sentiment":"neutral","sentiment_score":0.16604017359869822},{"text":"So the good thing last year was we were able to go back and consolidate things for you.","start":100.255005,"end":104.095,"sentiment":"positive","sentiment_score":0.45178187721305424}],"sentiment":"positive","sentiment_score":0.3387792204107557,"num_words":35,"start":92.96,"end":104.095},{"sentences":[{"text":"So you do now just have your hub twenty four super account.","start":104.095,"end":107.075005,"sentiment":"neutral","sentiment_score":0.17718523864944777},{"text":"It shows the balance in the account as of today.","start":107.535,"end":110.41,"sentiment":"neutral","sentiment_score":0.09964467883110047},{"text":"We're sitting at a $169,905.43 there.","start":110.41,"end":115.130005,"sentiment":"neutral","sentiment_score":0.08532608300447464},{"text":"Okay?","start":115.130005,"end":115.630005,"sentiment":"neutral","sentiment_score":0.06592777371406555},{"text":"Beautiful.","start":116.810005,"end":117.310005,"sentiment":"positive","sentiment_score":0.5108346343040466}],"sentiment":"neutral","sentiment_score":0.1403796186049779,"num_words":30,"start":104.095,"end":117.310005},{"sentences":[{"text":"Beautiful.","start":117.69,"end":118.19,"sentiment":"positive","sentiment_score":0.48913413286209106},{"text":"With that one there, the next report, if you can scroll forward for me, is your performance report, and that sort of shows how all the investments have performed within the fund there.","start":119.450005,"end":129.185,"sentiment":"neutral","sentiment_score":0.10645703610145685},{"text":"Travis, I did go back and have a bit of a look at those prior to the call just to sort of, have a look and see whether some advice and some things I would like to update for you to make your fund work a little bit better.","start":129.645,"end":140.41,"sentiment":"neutral","sentiment_score":-0.005132270729815473},{"text":"So this year, I have noticed one of your investments sort of holding your portfolio back a little bit.","start":140.41,"end":145.93001,"sentiment":"neutral","sentiment_score":-0.19973360943166832},{"text":"So I do wanna go back and maybe do some switching out of those for you.","start":145.93001,"end":149.55,"sentiment":"neutral","sentiment_score":-0.07323683565482497}],"sentiment":"neutral","sentiment_score":-0.010305024501946519,"num_words":118,"start":117.69,"end":149.55},{"sentences":[{"text":"Are you on that performance report, it should say performance with internal rate of return.","start":150.25499,"end":154.995,"sentiment":"neutral","sentiment_score":-0.013881685522695383},{"text":"That's the one.","start":155.375,"end":156.015,"sentiment":"neutral","sentiment_score":-0.0029192427173256874},{"text":"Beautiful.","start":156.015,"end":156.515,"sentiment":"neutral","sentiment_score":0.17845112085342407},{"text":"You'll see the first on the first page that the top investments have been along Australian equities.","start":157.055,"end":161.215,"sentiment":"neutral","sentiment_score":-0.023719262989128336},{"text":"If you look the second last line, is that it is showing that it is down.","start":161.215,"end":164.26999,"sentiment":"neutral","sentiment_score":-0.09161069802939892}],"sentiment":"neutral","sentiment_score":-0.03668327941201054,"num_words":52,"start":150.25499,"end":164.26999},{"sentences":[{"text":"It's a negative figure because it's in brackets there.","start":164.26999,"end":166.84999,"sentiment":"neutral","sentiment_score":-0.15184270673327976},{"text":"So it is holding your portfolio back a little bit this year.","start":167.87,"end":170.98999,"sentiment":"neutral","sentiment_score":-0.20240092650055885},{"text":"So I do wanna look at removing that one out.","start":170.98999,"end":172.98999,"sentiment":"neutral","sentiment_score":-0.14147476926445962},{"text":"Now the main sort of issue with Van Along is that that was meant to be more of an actively managed fund within your portfolio there, and the investment manager within Bannalong is trying to outperform against the market.","start":172.98999,"end":183.39499,"sentiment":"neutral","sentiment_score":-0.1592822858156302},{"text":"They are trying to pick investments and choose when to buy and sell into the market.","start":183.39499,"end":187.095,"sentiment":"neutral","sentiment_score":-0.1385104446671903}],"sentiment":"neutral","sentiment_score":-0.15858510968297027,"num_words":86,"start":164.26999,"end":187.095},{"sentences":[{"text":"They haven't been able to do that this year.","start":187.39499,"end":189.39499,"sentiment":"neutral","sentiment_score":-0.24032040105925667},{"text":"They've had some other underlying issues, which is causing them to have a bit of a downward trend.","start":189.39499,"end":194.43001,"sentiment":"neutral","sentiment_score":-0.2705143582489755},{"text":"And, realistically, I would be wanting to keep them in there if the issue wasn't with the investment.","start":195.29,"end":200.65,"sentiment":"neutral","sentiment_score":-0.11556260080801116},{"text":"If it was, say, the whole market, like Australian equity is really seeing a bit of a downtime, then it'd be worth sort of keeping that in your portfolio.","start":200.65,"end":207.615,"sentiment":"neutral","sentiment_score":-0.3230508627562687},{"text":"However, if you look about four investments down, you've got the investment.","start":207.91501,"end":212.55501,"sentiment":"neutral","sentiment_score":0.008933323435485363}],"sentiment":"neutral","sentiment_score":-0.2136458605961051,"num_words":86,"start":187.39499,"end":212.55501},{"sentences":[{"text":"The tick code is keywords.","start":212.55501,"end":213.91501,"sentiment":"neutral","sentiment_score":0.07140980958938599},{"text":"It's the beta shares RAPI.","start":213.91501,"end":215.615,"sentiment":"neutral","sentiment_score":0.08345498740673066},{"text":"That is essentially giving you exposure to Australian equities, and that investment's up by over 14.05%.","start":216.235,"end":223.05,"sentiment":"neutral","sentiment_score":0.18109271116554737},{"text":"So the fact that the Australian market and Australian equities as a whole is actually up, but then along is down, sort of shows us yeah.","start":223.05,"end":231.29,"sentiment":"neutral","sentiment_score":0.09160238461425671},{"text":"There's more of an issue within the fund there.","start":231.29,"end":233.37,"sentiment":"neutral","sentiment_score":-0.2552090369992786}],"sentiment":"neutral","sentiment_score":0.06158341033781161,"num_words":61,"start":212.55501,"end":233.37},{"sentences":[{"text":"So I do wanna do a bit of an investment switch and update the advice for you this year and look at removing that one out of the investments and replacing it with something else that's probably performing a little bit better.","start":233.37,"end":245.07501,"sentiment":"neutral","sentiment_score":-0.0290695552137636},{"text":"To be full disclosure with you, it does essentially mean that we are cementing that loss and we are removing that investment out, but I would rather cement the loss now and look at replacing it with something else that can gain that money back nice and quick for you rather than wait and see if it keeps dropping.","start":245.535,"end":262.16998,"sentiment":"neutral","sentiment_score":0.004432312323380325},{"text":"So the underlying issues that the underlying issues that investment has had are going to continue, so it is best to remove you out of that now if that makes sense.","start":262.23,"end":270.98502,"sentiment":"neutral","sentiment_score":-0.2255687564611435},{"text":"Does that do you have any questions at all?","start":270.98502,"end":273.725,"sentiment":"neutral","sentiment_score":0.018070514210396342},{"text":"So sorry.","start":282.91998,"end":283.82,"sentiment":"neutral","sentiment_score":-0.08430757746100426}],"sentiment":"neutral","sentiment_score":-0.055650537547010645,"num_words":143,"start":233.37,"end":283.82},{"sentences":[{"text":"Did you have I've also got the phone cut out if you're still if you have more to that sentence.","start":283.88,"end":288.68,"sentiment":"neutral","sentiment_score":-0.07925945185124875},{"text":"Sorry.","start":288.68,"end":289.18,"sentiment":"neutral","sentiment_score":-0.06116264313459397},{"text":"You're right.","start":289.24,"end":289.815,"sentiment":"neutral","sentiment_score":0.0029716668650507927},{"text":"Yeah.","start":289.895,"end":290.395,"sentiment":"neutral","sentiment_score":0.018273837864398956},{"text":"And yeah.","start":291.895,"end":296.235,"sentiment":"neutral","sentiment_score":-0.0948304831981659}],"sentiment":"neutral","sentiment_score":-0.06968444134466924,"num_words":26,"start":283.88,"end":296.235},{"sentences":[{"text":"Yeah.","start":297.575,"end":297.73502,"sentiment":"neutral","sentiment_score":-0.05352002754807472},{"text":"And, look, honestly, it's not as big.","start":297.73502,"end":299.495,"sentiment":"neutral","sentiment_score":-0.1617366001009941},{"text":"It is 90% there, but it is showing, essentially, it's only down by about $3,000.","start":299.495,"end":304.62,"sentiment":"neutral","sentiment_score":-0.13086498429377874},{"text":"So, realistically, we are picking it up as much as possible, but it does essentially mean that out of all the clients, we are calling through everyone.","start":304.62,"end":311.58,"sentiment":"neutral","sentiment_score":0.04688496211612666},{"text":"So we are having to do it as part of the annual review process because I just don't have a yeah.","start":311.58,"end":316.94,"sentiment":"neutral","sentiment_score":0.013452365817058654}],"sentiment":"neutral","sentiment_score":-0.022538835681240325,"num_words":71,"start":297.575,"end":316.94},{"sentences":[{"text":"Essentially, the time of the day to call through everyone and go, hey.","start":316.94,"end":320.115,"sentiment":"neutral","sentiment_score":0.00029996386281429575},{"text":"We have to update this and do that.","start":320.115,"end":321.79498,"sentiment":"neutral","sentiment_score":0.00019502872601151445},{"text":"We essentially have to, in order to remove that from your portfolio, have this review, have a big conversation, and look at what to replace it with.","start":321.79498,"end":329.655,"sentiment":"neutral","sentiment_score":-0.003931662619665817},{"text":"We were trying to sort of find some approval to go through and do have, like, a big standard advice document to have things removed automatically from your portfolio.","start":330.115,"end":339.63,"sentiment":"neutral","sentiment_score":-0.030201789633981114},{"text":"But in doing that, the compliance wasn't there, and it sort of meant that with any other changes in your life, that advice piece would be essentially not relevant to your circumstances.","start":339.77,"end":349.025,"sentiment":"neutral","sentiment_score":-0.1846412329468876}],"sentiment":"neutral","sentiment_score":-0.06316574756323078,"num_words":109,"start":316.94,"end":349.025},{"sentences":[{"text":"So it is essentially the best way to do it as per the annual review.","start":349.245,"end":352.545,"sentiment":"neutral","sentiment_score":0.09789491469661395},{"text":"The loss isn't as big as what it could have been if we had to sort of wait it down the track.","start":353.165,"end":357.725,"sentiment":"negative","sentiment_score":-0.3547011525793509},{"text":"And from when, Benelong has sort of seen that issue, which isn't that long ago.","start":357.725,"end":361.165,"sentiment":"neutral","sentiment_score":-0.22887182633082073},{"text":"It's only really very recently that it sort of had that major dip.","start":361.165,"end":365.19,"sentiment":"neutral","sentiment_score":-0.21391751101383796},{"text":"Majority of the year, it had actually been performing very well.","start":365.19,"end":368.06998,"sentiment":"neutral","sentiment_score":-0.07596578449010849}],"sentiment":"neutral","sentiment_score":-0.1761135566293409,"num_words":76,"start":349.245,"end":368.06998},{"sentences":[{"text":"It's only probably in the last sort of two months that it's really seen that downtime that we're sort of noting at the moment.","start":368.06998,"end":373.77,"sentiment":"neutral","sentiment_score":-0.2785690451661746},{"text":"And so we're sort of trying to bring it to your attention as quickly as we possibly can.","start":374.31,"end":378.06998,"sentiment":"neutral","sentiment_score":-0.10829364508390427},{"text":"So I do understand where you're coming from there, though.","start":378.06998,"end":380.995,"sentiment":"neutral","sentiment_score":-0.0040035761310718955},{"text":"Okay?","start":381.055,"end":381.555,"sentiment":"neutral","sentiment_score":0.01885908469557762},{"text":"Easy.","start":383.615,"end":384.115,"sentiment":"positive","sentiment_score":0.4392818510532379}],"sentiment":"neutral","sentiment_score":-0.15216365779741425,"num_words":54,"start":368.06998,"end":384.115},{"sentences":[{"text":"All good.","start":384.175,"end":384.835,"sentiment":"positive","sentiment_score":0.5159854292869568},{"text":"What I sort of wanted to look at talking to you about was because you are still fairly young, you've got a lot of time ahead of you before you're wanting to access your super there.","start":384.975,"end":392.88,"sentiment":"neutral","sentiment_score":0.03680819355779224},{"text":"One of the goals we were sort of looking at was accessing your super, essentially, around about the age of 60.","start":393.2,"end":399.84,"sentiment":"neutral","sentiment_score":0.10583976993248576},{"text":"Is that still your goal for when you're wanting to access super?","start":399.84,"end":402.98,"sentiment":"neutral","sentiment_score":0.08984596095979214},{"text":"Yep.","start":409.905,"end":410.405,"sentiment":"neutral","sentiment_score":0.06012194603681564}],"sentiment":"neutral","sentiment_score":0.07941631212209661,"num_words":72,"start":384.175,"end":410.405},{"sentences":[{"text":"Yep.","start":412.305,"end":412.805,"sentiment":"neutral","sentiment_score":0.018630122765898705},{"text":"Yep.","start":415.825,"end":416.225,"sentiment":"neutral","sentiment_score":-0.01947684958577156},{"text":"So at no.","start":416.225,"end":418.385,"sentiment":"neutral","sentiment_score":-0.2259923815727234},{"text":"That's okay.","start":418.385,"end":419.185,"sentiment":"neutral","sentiment_score":-0.11341831833124161},{"text":"So at the moment, under the current legislation, the earliest you're able to access super is the age of 60.","start":419.185,"end":423.96,"sentiment":"neutral","sentiment_score":0.010947920009493827}],"sentiment":"neutral","sentiment_score":-0.02543341140780184,"num_words":27,"start":412.305,"end":423.96},{"sentences":[{"text":"If you are wanting to look at sort of building wealth outside of super and or in other ways to be able to retire earlier, we can certainly help in that area and sort of look at ways to do that.","start":424.68,"end":434.62,"sentiment":"neutral","sentiment_score":0.24198854223984043},{"text":"But the earliest under the current legislation is sixty sixty if you fully retire to access your suit for that.","start":435.08,"end":440.335,"sentiment":"neutral","sentiment_score":0.10398470014333724},{"text":"In saying that if they do happen to reduce the age, I'll be the first to let you know.","start":440.715,"end":444.875,"sentiment":"neutral","sentiment_score":0.04959026724100113},{"text":"We'll make sure that you're aware of that.","start":444.875,"end":446.815,"sentiment":"neutral","sentiment_score":0.030987645382992923},{"text":"So I'll note down here that we are looking at 60.","start":447.435,"end":449.84998,"sentiment":"neutral","sentiment_score":0.17916463044556705}],"sentiment":"neutral","sentiment_score":0.15315304454792328,"num_words":99,"start":424.68,"end":449.84998},{"sentences":[{"text":"So, realistically, you do have over twenty years before you're able to access your super at this sort of point in time.","start":449.84998,"end":456.34998,"sentiment":"neutral","sentiment_score":0.08093746666881171},{"text":"We have a couple of options for how we can sort of look to replace that investment option for you.","start":456.72998,"end":461.84998,"sentiment":"neutral","sentiment_score":0.09689656738191843},{"text":"So that is more of an actively managed fund within your SOFA there.","start":461.84998,"end":465.755,"sentiment":"neutral","sentiment_score":0.12606497223560625},{"text":"We can look at replacing that with another active manager if you would like to.","start":465.755,"end":469.855,"sentiment":"neutral","sentiment_score":0.11409077197313308},{"text":"Realistically, having an active manager in your portfolio means that they they can and sometimes do outperform against the market and provide greater returns.","start":470.23502,"end":478.77002,"sentiment":"neutral","sentiment_score":0.24544025181482235}],"sentiment":"neutral","sentiment_score":0.13786519017625362,"num_words":94,"start":449.84998,"end":478.77002},{"sentences":[{"text":"You do tend to pay a little bit more in investment fees in order to have an active manager in your portfolio.","start":479.31,"end":484.45,"sentiment":"neutral","sentiment_score":0.1536123420704495},{"text":"Or if you wanted me to sort of focus on the fee component, I could always look at swapping it with something that's just a bit more low cost and less actively managed to sort of you know, when you think about passively invested funds, often over time, they outperform active managers and actually do a lot better.","start":485.31,"end":500.44498,"sentiment":"neutral","sentiment_score":0.20978154820101014},{"text":"Is there sort of a preference to how you would like to see your investment structured, or what would you like to sort of see?","start":500.745,"end":506.65,"sentiment":"neutral","sentiment_score":0.10333534359931945},{"text":"Yeah.","start":514.55,"end":514.95,"sentiment":"neutral","sentiment_score":0.18695136904716492},{"text":"That's fine.","start":514.95,"end":515.43,"sentiment":"neutral","sentiment_score":0.13755120430141687}],"sentiment":"neutral","sentiment_score":0.17215035823001354,"num_words":108,"start":479.31,"end":515.43},{"sentences":[{"text":"If you're not really sure, I can sort of look at the two different options, look at the overall cost of replacing the investment.","start":515.43,"end":521.435,"sentiment":"neutral","sentiment_score":-0.04890630083779494},{"text":"I would like to just go back and review your all your investments and your super to make sure everything is working and maybe switch out anything else that might be underperforming there as well.","start":521.97504,"end":530.635,"sentiment":"neutral","sentiment_score":-0.00720553451350757},{"text":"You'll also sort of notice if you're looking at that report there, the Van Dyck property, that one is also sort of underperforming a little bit at the moment as well.","start":531.02997,"end":538.32996,"sentiment":"neutral","sentiment_score":-0.07017768228486661},{"text":"And, again, that has only been very recently.","start":538.38995,"end":540.55,"sentiment":"neutral","sentiment_score":-0.09016299806535244},{"text":"There's been some structural changes within the government and within the legislation around property and investments and things like that.","start":540.55,"end":547.22504,"sentiment":"neutral","sentiment_score":-0.1388551227748394}],"sentiment":"neutral","sentiment_score":-0.060168301007884034,"num_words":118,"start":515.43,"end":547.22504},{"sentences":[{"text":"So that has very recently affected that investment as well.","start":547.22504,"end":550.34503,"sentiment":"neutral","sentiment_score":-0.13798459991812706},{"text":"So I would probably like to maybe go and look at whether and assess whether that's an appropriate investment within your super fund.","start":550.34503,"end":556.445,"sentiment":"neutral","sentiment_score":0.024340583740369133},{"text":"It's also kind of important to note that over time, investments that went in your super fund a couple of years back might have been appropriate back then.","start":556.825,"end":564.48,"sentiment":"neutral","sentiment_score":-0.03642787531550441},{"text":"But over time, they can perform well and then perform not so great as well.","start":564.48,"end":568.4,"sentiment":"neutral","sentiment_score":-0.11777379860480626},{"text":"So things that I move you into now, we'll keep reviewing down the track because in two, three, or even five years' time, some of those investments might be underperforming and need to be removed out there for you.","start":568.4,"end":579.945,"sentiment":"neutral","sentiment_score":-0.10295859232353859}],"sentiment":"neutral","sentiment_score":-0.0662781318406696,"num_words":115,"start":547.22504,"end":579.945},{"sentences":[{"text":"So, there there's always gonna be those ups and downs, but I do wanted to and had a look at this beforehand and definitely wanna update the advice for you, look at where we're tracking, and maybe switch out some of these to make sure I can hopefully lower some investment fees for you to lower the cost of your overall portfolio, but also look at what's been performing really well and what has greater potential down the track.","start":579.945,"end":601.30005,"sentiment":"neutral","sentiment_score":0.023515126821172388},{"text":"Does that make sense?","start":601.30005,"end":602.18005,"sentiment":"neutral","sentiment_score":0.05747409211471677},{"text":"And do you have any questions?","start":602.18005,"end":603.64,"sentiment":"neutral","sentiment_score":0.009892060266186794},{"text":"That's all good.","start":607.215,"end":608.175,"sentiment":"neutral","sentiment_score":0.2983109454313914},{"text":"Yeah.","start":608.175,"end":608.495,"sentiment":"neutral","sentiment_score":0.21025489270687103}],"sentiment":"neutral","sentiment_score":0.03496915567666292,"num_words":93,"start":579.945,"end":608.495},{"sentences":[{"text":"Yeah.","start":608.495,"end":608.815,"sentiment":"neutral","sentiment_score":0.29446879029273987},{"text":"Beautiful.","start":608.815,"end":609.315,"sentiment":"positive","sentiment_score":0.5586200952529907},{"text":"Excellent.","start":609.455,"end":609.855,"sentiment":"positive","sentiment_score":0.623595118522644},{"text":"I did have a really good review of things beforehand.","start":609.855,"end":612.015,"sentiment":"positive","sentiment_score":0.5421741902828217},{"text":"So I definitely had some advice that I wanted to come into the call to let you know I wanted to make for you, which is good.","start":612.015,"end":618.115,"sentiment":"positive","sentiment_score":0.4832984705766042}],"sentiment":"positive","sentiment_score":0.49868711531162263,"num_words":40,"start":608.495,"end":618.115},{"sentences":[{"text":"But real thank you.","start":619.08,"end":623.10004,"sentiment":"positive","sentiment_score":0.42596594989299774},{"text":"Essentially, everything else, if you look at that same report, is the has been performing really well.","start":623.72003,"end":628.52,"sentiment":"neutral","sentiment_score":0.06786407116690979},{"text":"So your bank hybrids, they are more defensive in nature.","start":628.52,"end":631.88,"sentiment":"neutral","sentiment_score":0.03137520905584097},{"text":"I will probably look to remove them out of there as well just because down the track, the government will be removing or requesting that they're phasing out that investment, essentially.","start":631.88,"end":641.295,"sentiment":"neutral","sentiment_score":-0.03631942409781679},{"text":"So we'll look to maybe replace that while we're going.","start":641.295,"end":643.615,"sentiment":"neutral","sentiment_score":0.008750425418838859}],"sentiment":"neutral","sentiment_score":0.029623711210054655,"num_words":72,"start":619.08,"end":643.615},{"sentences":[{"text":"And any changes that we feel, we should probably make it a short term.","start":643.615,"end":647.33997,"sentiment":"neutral","sentiment_score":0.020962489103632315},{"text":"We'll try to all make it once.","start":647.33997,"end":649.01996,"sentiment":"neutral","sentiment_score":0.0690343805721828},{"text":"That way, we can allow your portfolio time to recover, rebuild, and kinda grow from there.","start":649.01996,"end":654.62,"sentiment":"neutral","sentiment_score":0.13647416490130126},{"text":"How does that sound?","start":654.62,"end":655.76,"sentiment":"neutral","sentiment_score":0.06898696441203356},{"text":"Yep.","start":656.3,"end":656.8,"sentiment":"positive","sentiment_score":0.33589690923690796}],"sentiment":"neutral","sentiment_score":0.08505111706576177,"num_words":42,"start":643.615,"end":656.8},{"sentences":[{"text":"Beautiful.","start":657.66,"end":658.16,"sentiment":"positive","sentiment_score":0.7239021062850952},{"text":"Yeah.","start":661.73505,"end":662.23505,"sentiment":"neutral","sentiment_score":0.21674028038978577},{"text":"Yeah.","start":662.29504,"end":662.61505,"sentiment":"neutral","sentiment_score":0.2370951771736145},{"text":"Absolutely.","start":662.61505,"end":663.11505,"sentiment":"positive","sentiment_score":0.342582106590271},{"text":"So your your battery and lithium tech has done very, very nicely, one of the highest performance there.","start":663.655,"end":668.79504,"sentiment":"positive","sentiment_score":0.4180373011363877}],"sentiment":"positive","sentiment_score":0.41113595867698843,"num_words":22,"start":657.66,"end":668.79504},{"sentences":[{"text":"Cybersecurity also is up.","start":669.255,"end":670.85504,"sentiment":"positive","sentiment_score":0.4354783594608307},{"text":"You're up over 18% growth for that as well.","start":670.85504,"end":673.59503,"sentiment":"positive","sentiment_score":0.4632226328055064},{"text":"And your your keywords, so that's your beta shares, Ravi, so giving you exposure to some of the, you know, top 200 companies on the ASX, the Australian Equities, and that's still performing by 14.05%.","start":674.16,"end":686.0,"sentiment":"neutral","sentiment_score":0.1852516348872866},{"text":"So everything else is doing really, really well.","start":686.0,"end":688.925,"sentiment":"positive","sentiment_score":0.3781865071505308},{"text":"Overall, your portfolio is up, so the performances the investments that have performed better or well have actually outperformed what the ones are that are down, so your VanEck property and your VanEalong investments.","start":688.925,"end":701.54004,"sentiment":"neutral","sentiment_score":0.3074490511242081}],"sentiment":"neutral","sentiment_score":0.2874831572175026,"num_words":90,"start":669.255,"end":701.54004},{"sentences":[{"text":"But we just wanna make sure that we re reassess things regularly and keep them working harder for you.","start":701.68005,"end":707.2,"sentiment":"neutral","sentiment_score":0.0836069091762367},{"text":"Okay?","start":707.2,"end":707.7,"sentiment":"neutral","sentiment_score":0.052958711981773376},{"text":"Excellent.","start":708.96,"end":709.46,"sentiment":"positive","sentiment_score":0.3924019932746887},{"text":"So, yeah, your portfolio net of fees, so after all fees have been taken into account, it's up by 4.63%.","start":715.01495,"end":721.975,"sentiment":"neutral","sentiment_score":0.2098831668496132},{"text":"So, realistically, that is a bit lower to where I would like your portfolio to be.","start":721.975,"end":725.995,"sentiment":"neutral","sentiment_score":0.07341048191301525}],"sentiment":"neutral","sentiment_score":0.12993198293342925,"num_words":57,"start":701.68005,"end":725.995},{"sentences":[{"text":"However, it is a it is still a positive return for the year.","start":726.27,"end":731.01,"sentiment":"positive","sentiment_score":0.49021063114588076},{"text":"When I sorta have a look so I did kinda go back and look at from inception to sorta look at how it's been tracking.","start":731.47003,"end":736.93005,"sentiment":"neutral","sentiment_score":0.08466306284070015},{"text":"And from inception, you've essentially seen a little over it's 18.23% over the past two years total since you've come on board.","start":737.39,"end":745.445,"sentiment":"neutral","sentiment_score":0.15860414640469986},{"text":"So when you kinda break that down yeah.","start":745.445,"end":748.585,"sentiment":"neutral","sentiment_score":0.08267961768433452},{"text":"No.","start":754.405,"end":754.725,"sentiment":"neutral","sentiment_score":0.0003038868308067322}],"sentiment":"neutral","sentiment_score":0.183193432248157,"num_words":69,"start":726.27,"end":754.725},{"sentences":[{"text":"So that's a good thing.","start":754.725,"end":755.685,"sentiment":"positive","sentiment_score":0.45887945890426635},{"text":"That's a factoring in just the growth.","start":755.685,"end":757.73,"sentiment":"neutral","sentiment_score":0.14653819054365158},{"text":"So the growth of the income within the portfolio are contributions that go in there or considered a capital.","start":757.79,"end":763.97,"sentiment":"neutral","sentiment_score":0.09085719718744881},{"text":"And so the rate of return looks at the growth and the income that's being generated from the portfolio solely over the past two years and with this report over the past two months there.","start":764.43,"end":775.555,"sentiment":"neutral","sentiment_score":0.0989997210247176},{"text":"So while you're seeing that this last twelve months of 4.63, it essentially shows the growth of the sorry.","start":775.555,"end":781.795,"sentiment":"neutral","sentiment_score":0.044847002449004275}],"sentiment":"neutral","sentiment_score":0.11015923126217197,"num_words":85,"start":754.725,"end":781.795},{"sentences":[{"text":"The net earnings for the year as the growth in the earnings is $10,335.","start":781.795,"end":787.32,"sentiment":"neutral","sentiment_score":0.10544829017349652},{"text":"You've made over $10,000 in the portfolio, which is good because last year, we kind of had those last few changes and the consolidation made there as well.","start":787.32,"end":795.48004,"sentiment":"positive","sentiment_score":0.41413787645953043},{"text":"So there has been a lot happening with the with the portfolio with the super fund.","start":795.48004,"end":799.98004,"sentiment":"neutral","sentiment_score":-0.025614306097850204},{"text":"I'm definitely noting that this return is a lot lower than where I would like it to be given the sort of portfolio that you're in, but we just wanna make changes and keep it working harder so we can kinda get it going for you.","start":801.015,"end":812.71497,"sentiment":"neutral","sentiment_score":0.039429726605506046},{"text":"The other thing I kinda mentioned is I sort of also pulled up a report from inception, which kinda shows what you've made since you came on board originally from the last so you came on board around 2024 there.","start":813.26996,"end":824.87,"sentiment":"neutral","sentiment_score":0.040076639014296235}],"sentiment":"neutral","sentiment_score":0.11166069923718977,"num_words":144,"start":781.795,"end":824.87},{"sentences":[{"text":"And in the last sort of two years, you've made about nine sorry.","start":824.87,"end":828.125,"sentiment":"neutral","sentiment_score":0.003366135490628389},{"text":"18.23%.","start":828.125,"end":829.72504,"sentiment":"neutral","sentiment_score":-0.021847866475582123},{"text":"That's from inception to now.","start":829.72504,"end":831.505,"sentiment":"neutral","sentiment_score":0.016386193316429855},{"text":"When we average that over the past two years, it's averaged about a 9.11%.","start":831.72504,"end":836.705,"sentiment":"neutral","sentiment_score":0.00026136224291154316},{"text":"So, realistically, your portfolio is still working.","start":836.765,"end":839.74,"sentiment":"neutral","sentiment_score":0.23402028530836105}],"sentiment":"neutral","sentiment_score":0.04364109825110063,"num_words":40,"start":824.87,"end":839.74},{"sentences":[{"text":"It is doing what it needs to.","start":839.74,"end":841.25995,"sentiment":"positive","sentiment_score":0.4069685084479196},{"text":"It is doing well.","start":841.25995,"end":842.39996,"sentiment":"positive","sentiment_score":0.42412250488996506},{"text":"It's just that over the when you break it down to per year, the return, this is a little bit lower, and it kinda shows that we need to move some of those investments out and replace them for you.","start":842.69995,"end":853.83496,"sentiment":"neutral","sentiment_score":-0.010583736561238765},{"text":"And I definitely wanna get that done nice and quickly for you.","start":853.83496,"end":856.875,"sentiment":"positive","sentiment_score":0.5342430931826433},{"text":"Okay?","start":856.875,"end":857.375,"sentiment":"neutral","sentiment_score":0.3238309621810913}],"sentiment":"neutral","sentiment_score":0.16963544057216495,"num_words":64,"start":839.74,"end":857.375},{"sentences":[{"text":"Yeah.","start":863.675,"end":864.175,"sentiment":"neutral","sentiment_score":-0.012021632865071297},{"text":"Yeah.","start":865.83496,"end":866.33496,"sentiment":"neutral","sentiment_score":-0.020628489553928375},{"text":"Absolutely.","start":866.635,"end":867.135,"sentiment":"neutral","sentiment_score":0.005628945305943489},{"text":"It is one thing that we sort of wanted to do, and I know with the going to the advice last year, it kinda made it a little bit harder.","start":868.10004,"end":873.7,"sentiment":"neutral","sentiment_score":-0.030623271067937215},{"text":"But moving forward, I'd love to do another catch up with you in about six months.","start":873.7,"end":878.04004,"sentiment":"neutral","sentiment_score":0.058917844435200095}],"sentiment":"neutral","sentiment_score":-0.00006191424873410439,"num_words":49,"start":863.675,"end":878.04004},{"sentences":[{"text":"So that would bring us up to February so we can have a look at it biannually.","start":878.18,"end":881.88,"sentiment":"neutral","sentiment_score":0.10016245044329587},{"text":"We'll go through, update the advice now to make some changes to your investments.","start":882.02,"end":885.495,"sentiment":"neutral","sentiment_score":0.12306960033518928},{"text":"And then come February, we can have another sort of biannual catch up look at how that's been taken into effect for you and whether we need to make more changes or whether we're good just to kinda go for the next six months there.","start":886.035,"end":897.75,"sentiment":"neutral","sentiment_score":0.10011167517966695},{"text":"That way, you do get those catch ups on more of a regular basis.","start":897.83,"end":900.81,"sentiment":"neutral","sentiment_score":0.1446757609290736},{"text":"Does that sound okay?","start":900.87,"end":901.93,"sentiment":"neutral","sentiment_score":0.11362666636705399}],"sentiment":"neutral","sentiment_score":0.11075243365732913,"num_words":94,"start":878.18,"end":901.93},{"sentences":[{"text":"Yeah.","start":903.51,"end":903.91,"sentiment":"neutral","sentiment_score":0.2069052755832672},{"text":"Beautiful.","start":903.91,"end":904.41,"sentiment":"positive","sentiment_score":0.366412341594696},{"text":"And if in the meantime, like, in between that six months period, you want additional updates on what the portfolio has done or reports and things like that, you're welcome to let me know.","start":904.47,"end":912.95,"sentiment":"neutral","sentiment_score":0.1696812543360626},{"text":"I can always generate ad hoc reports and send them through to you and give you updates as you need them as well.","start":912.95,"end":918.275,"sentiment":"neutral","sentiment_score":0.22336786078370136},{"text":"You don't have to wait for the calls to come through.","start":918.275,"end":920.515,"sentiment":"neutral","sentiment_score":0.15871865437789398}],"sentiment":"neutral","sentiment_score":0.18894066086837225,"num_words":70,"start":903.51,"end":920.515},{"sentences":[{"text":"Does that sound okay?","start":920.515,"end":921.73505,"sentiment":"neutral","sentiment_score":0.13514327816665173},{"text":"Yeah?","start":922.11505,"end":922.61505,"sentiment":"neutral","sentiment_score":0.07107827067375183},{"text":"Yeah.","start":923.23505,"end":923.635,"sentiment":"neutral","sentiment_score":0.1810617744922638},{"text":"Beautiful.","start":923.635,"end":924.135,"sentiment":"positive","sentiment_score":0.3934624195098877},{"text":"Sort of setting up a bit more of a process now to move forward and kind of make sure those biannual catch ups actually happen, and making sure that I'm able to give you those extra reports when you need them as well.","start":924.43506,"end":933.77,"sentiment":"neutral","sentiment_score":0.2542466954436413}],"sentiment":"neutral","sentiment_score":0.24237566962838172,"num_words":50,"start":920.515,"end":933.77},{"sentences":[{"text":"So if you wanted something ad hoc, you can let me know, and I'll make sure I generate it nice and quick and get it to you and give you an explanation around it for you.","start":933.77,"end":941.29,"sentiment":"neutral","sentiment_score":0.23941197246313095},{"text":"Okay?","start":941.29,"end":941.79,"sentiment":"neutral","sentiment_score":0.10364377498626708},{"text":"Excellent.","start":942.97003,"end":943.47003,"sentiment":"positive","sentiment_score":0.48659032583236694},{"text":"Beautiful.","start":943.69,"end":944.19,"sentiment":"positive","sentiment_score":0.6223549246788025},{"text":"Fantastic.","start":945.555,"end":946.055,"sentiment":"positive","sentiment_score":0.543074905872345}],"sentiment":"neutral","sentiment_score":0.2593623735010624,"num_words":40,"start":933.77,"end":946.055},{"sentences":[{"text":"Now on that first page, if you kinda go back a little bit there, essentially, the other side of things we wanted to talk about was the insurances.","start":946.675,"end":954.295,"sentiment":"neutral","sentiment_score":0.11312686332634517},{"text":"So we have the insurances placed in force last year there.","start":954.435,"end":957.36,"sentiment":"neutral","sentiment_score":0.06750489500435916},{"text":"You still do have the two exclusions.","start":957.76,"end":960.5,"sentiment":"neutral","sentiment_score":-0.2387654185295105},{"text":"So we have and I'm gonna say this wrong.","start":960.56,"end":962.64,"sentiment":"neutral","sentiment_score":-0.17559855596886742},{"text":"I I'm sorry about that.","start":962.64,"end":964.42,"sentiment":"neutral","sentiment_score":-0.2570562481880188}],"sentiment":"neutral","sentiment_score":-0.010448669269680976,"num_words":60,"start":946.675,"end":964.42},{"sentences":[{"text":"It's the eff epididymis exclusion, and we also have the lumbosacral spine exclusion.","start":964.48,"end":971.14,"sentiment":"neutral","sentiment_score":-0.17242715335809267},{"text":"I know one of the things we talked about was trying to review those as soon as we possibly can.","start":971.985,"end":976.565,"sentiment":"neutral","sentiment_score":-0.045053777657449244},{"text":"My admin team member's been on the phone for the past half an hour with Clearview trying to work out when and if those can be reviewed to work out when we're able to have look at reviewing those to have those removed there for you.","start":977.105,"end":988.83,"sentiment":"neutral","sentiment_score":0.003682753653265536},{"text":"So as soon as she knows what that is, she'll let me know.","start":988.83,"end":992.11,"sentiment":"neutral","sentiment_score":0.0364829867791671},{"text":"Hopefully, it's part of the call, and I'll be able to let you know what they are requesting and how we can have that looked at.","start":992.11,"end":997.63,"sentiment":"neutral","sentiment_score":0.11930319079412864}],"sentiment":"neutral","sentiment_score":0.005109660254428321,"num_words":118,"start":964.48,"end":997.63},{"sentences":[{"text":"But as soon as we're able to review those, if they are reviewable, then we'll definitely go ahead and look at that for you.","start":997.63,"end":1003.72504,"sentiment":"neutral","sentiment_score":0.08078752279592057},{"text":"Okay?","start":1003.72504,"end":1004.22504,"sentiment":"neutral","sentiment_score":0.0373193733394146},{"text":"Excellent.","start":1005.405,"end":1005.905,"sentiment":"positive","sentiment_score":0.5753836631774902},{"text":"No.","start":1009.565,"end":1010.065,"sentiment":"neutral","sentiment_score":-0.04402162507176399},{"text":"That's okay.","start":1010.205,"end":1011.005,"sentiment":"neutral","sentiment_score":0.008926457725465298}],"sentiment":"neutral","sentiment_score":0.08708396117235052,"num_words":29,"start":997.63,"end":1011.005},{"sentences":[{"text":"My main thing is the back exclusion.","start":1011.005,"end":1012.865,"sentiment":"neutral","sentiment_score":-0.0893028484923499},{"text":"I mean, the epididymis is probably less less of a concern.","start":1012.925,"end":1016.97003,"sentiment":"neutral","sentiment_score":-0.08798741244456985},{"text":"But the back exclusion, realistically, for me is something I would like to have reviewed as early as possible because your lumbar sacral is kind of your lower back.","start":1017.51,"end":1025.29,"sentiment":"neutral","sentiment_score":-0.1333517343576612},{"text":"And if you think about your lower back, there's a lot more problems that can come from that.","start":1025.51,"end":1029.555,"sentiment":"neutral","sentiment_score":-0.21485775978200966},{"text":"Correct.","start":1029.875,"end":1030.375,"sentiment":"neutral","sentiment_score":-0.043870486319065094}],"sentiment":"neutral","sentiment_score":-0.1419923020470323,"num_words":66,"start":1011.005,"end":1030.375},{"sentences":[{"text":"Correct.","start":1030.515,"end":1031.015,"sentiment":"neutral","sentiment_score":-0.03826150670647621},{"text":"So it is something I would like to try and have removed as soon as possibly, especially if you're in that construction industry.","start":1031.155,"end":1037.255,"sentiment":"neutral","sentiment_score":-0.13195072470799737},{"text":"The likelihood of you having to make a claim on your income protection and or TBD for those sorts of things is a lot higher.","start":1037.555,"end":1044.2151,"sentiment":"neutral","sentiment_score":-0.21201766312122344},{"text":"So as soon as we are able to have that looked at and hopefully removed, we do wanna go ahead and do that for you just so you have, obviously, a higher chance of being able to claim, especially for those sorts of issues.","start":1044.54,"end":1056.9401,"sentiment":"neutral","sentiment_score":0.04105769631198861},{"text":"Does that make sense?","start":1056.9401,"end":1058.0,"sentiment":"neutral","sentiment_score":0.03898532688617706}],"sentiment":"neutral","sentiment_score":-0.066093709358235,"num_words":97,"start":1030.515,"end":1058.0},{"sentences":[{"text":"Yeah.","start":1059.4049,"end":1059.725,"sentiment":"neutral","sentiment_score":0.21408934891223907},{"text":"Beautiful.","start":1059.725,"end":1060.225,"sentiment":"neutral","sentiment_score":0.14976766705513},{"text":"I wanted to just also touch on the level of cover there.","start":1060.7649,"end":1063.325,"sentiment":"neutral","sentiment_score":0.02519853583847483},{"text":"So you'll see the ClearView policy on the first page on the summary of superannuation insurances.","start":1063.325,"end":1068.065,"sentiment":"neutral","sentiment_score":0.08729921886697412},{"text":"Your life cover and your TBD there, you have a level of cover of 1,232,000.","start":1068.2849,"end":1075.29,"sentiment":"neutral","sentiment_score":0.06483862549066544}],"sentiment":"neutral","sentiment_score":0.06745791845023633,"num_words":45,"start":1059.4049,"end":1075.29},{"sentences":[{"text":"Thinking about life cover to start with, so if you were to pass away today, the life cover pays out that sum insured, but then your super is also paid out onto on top of that.","start":1076.0701,"end":1086.435,"sentiment":"neutral","sentiment_score":0.04917120938706729},{"text":"Noting you probably want that all paid to Charlene so that she can, you know, cover any of the bills and debts and things and look after the family moving forward.","start":1086.8351,"end":1094.535,"sentiment":"neutral","sentiment_score":0.09502891643393424},{"text":"Just double checking, your main primary residence there, the mortgage we had noted was about 375,000.","start":1095.2351,"end":1104.5199,"sentiment":"neutral","sentiment_score":0.028050980414263904},{"text":"What do you owe on that now?","start":1104.58,"end":1106.12,"sentiment":"neutral","sentiment_score":-0.03133491027568068},{"text":"Okay.","start":1114.74,"end":1115.24,"sentiment":"neutral","sentiment_score":0.011769204400479794}],"sentiment":"neutral","sentiment_score":0.0544758293020365,"num_words":91,"start":1076.0701,"end":1115.24},{"sentences":[{"text":"So, say, $4.60.","start":1115.375,"end":1116.8351,"sentiment":"neutral","sentiment_score":0.020303035775820415},{"text":"Perfect.","start":1117.295,"end":1117.795,"sentiment":"positive","sentiment_score":0.43364977836608887},{"text":"So if we looked at that level of cover, just to sort of show you what that might cover based on your current circumstances.","start":1117.935,"end":1124.515,"sentiment":"neutral","sentiment_score":0.13071919356783232},{"text":"$90.05.","start":1125.615,"end":1126.675,"sentiment":"neutral","sentiment_score":0.01007487066090107},{"text":"It's a little over 1,400,000 there, and then we subtract, I'll say, 460,000 for sorry.","start":1127.055,"end":1136.87,"sentiment":"neutral","sentiment_score":0.0070786567560086645}],"sentiment":"neutral","sentiment_score":0.08518350575733083,"num_words":44,"start":1115.375,"end":1136.87},{"sentences":[{"text":"It won't be one second.","start":1136.87,"end":1137.91,"sentiment":"neutral","sentiment_score":0.0003582136705517769},{"text":"Just trying to get my calculator to work for me.","start":1137.91,"end":1140.41,"sentiment":"neutral","sentiment_score":0.04231416434049606},{"text":"It essentially leaves around about 940,000.","start":1140.79,"end":1144.0701,"sentiment":"neutral","sentiment_score":0.01590675798555215},{"text":"So if you sort of looked at the life cover plus your super being paid out, covering the mortgage to leave your family completely debt free, and then with the 940,000 roughly left over, your income we have was a 130 k.","start":1144.0701,"end":1157.805,"sentiment":"neutral","sentiment_score":0.028542846884755863},{"text":"Are you still on that same income, or have you had a pay rise?","start":1157.805,"end":1161.03,"sentiment":"neutral","sentiment_score":-0.020476797396051034}],"sentiment":"neutral","sentiment_score":0.018603865782935897,"num_words":77,"start":1136.87,"end":1161.03},{"sentences":[{"text":"100 and 35.","start":1163.5901,"end":1164.81,"sentiment":"neutral","sentiment_score":0.018516529972354572},{"text":"Yep.","start":1164.87,"end":1165.1901,"sentiment":"neutral","sentiment_score":0.17164450883865356},{"text":"Beautiful.","start":1165.1901,"end":1165.6901,"sentiment":"positive","sentiment_score":0.4525342583656311},{"text":"So then if we divided the leftover money, the 940,000, by your current income, essentially means that they could replace your income for around about sort of seven years, essentially.","start":1165.99,"end":1175.965,"sentiment":"neutral","sentiment_score":0.11743967433770498},{"text":"Do you feel like that level of cover for life is still fairly appropriate?","start":1176.025,"end":1179.485,"sentiment":"neutral","sentiment_score":0.08432748833937305}],"sentiment":"neutral","sentiment_score":0.10986741681640246,"num_words":49,"start":1163.5901,"end":1179.485},{"sentences":[{"text":"Yep.","start":1181.385,"end":1181.885,"sentiment":"positive","sentiment_score":0.35910266637802124},{"text":"Beautiful.","start":1181.945,"end":1182.445,"sentiment":"positive","sentiment_score":0.6390371322631836},{"text":"With the TBD component, you still have the same level of cover there as well.","start":1183.065,"end":1186.825,"sentiment":"neutral","sentiment_score":0.21336039829378325},{"text":"And, again, if you are TPD ed or unable to go back to work, we can also look to claim on your super to have that a little bit released as well.","start":1186.825,"end":1195.7201,"sentiment":"neutral","sentiment_score":0.035534099995857105},{"text":"Are you fairly happy with that TPD level?","start":1196.02,"end":1198.3601,"sentiment":"neutral","sentiment_score":0.1564867664128542}],"sentiment":"neutral","sentiment_score":0.11557072112663534,"num_words":57,"start":1181.385,"end":1198.3601},{"sentences":[{"text":"Yep.","start":1201.38,"end":1201.88,"sentiment":"neutral","sentiment_score":-0.1348579227924347},{"text":"I certainly hope not.","start":1203.495,"end":1205.115,"sentiment":"neutral","sentiment_score":-0.14264963194727898},{"text":"Very morbid conversation to have, but I wanna see you get to retirement there, Travis, and then enjoy it.","start":1206.615,"end":1211.655,"sentiment":"neutral","sentiment_score":-0.0027245812510189264},{"text":"You work way too hard to not.","start":1211.655,"end":1213.435,"sentiment":"negative","sentiment_score":-0.34743383526802063},{"text":"Oh, good.","start":1215.415,"end":1216.235,"sentiment":"neutral","sentiment_score":0.3195962458848953}],"sentiment":"neutral","sentiment_score":-0.07727478331688678,"num_words":33,"start":1201.38,"end":1216.235},{"sentences":[{"text":"With the income protection side of things, you've got a monthly insured benefit of 6,801 on a sixty day waiting and a age 65 benefit period.","start":1216.91,"end":1226.4299,"sentiment":"neutral","sentiment_score":0.15658159811909383},{"text":"So we kinda talked about that to give you the best possible benefit in the event of claiming.","start":1226.4299,"end":1231.25,"sentiment":"neutral","sentiment_score":0.2254699460334248},{"text":"You're still fairly comfortable with the level of cover you have there, the waiting in the benefit period that we sort of went with?","start":1232.0549,"end":1238.075,"sentiment":"neutral","sentiment_score":0.12367076519876719},{"text":"Yep.","start":1239.095,"end":1239.575,"sentiment":"neutral","sentiment_score":0.1924646496772766},{"text":"Beautiful.","start":1239.575,"end":1240.075,"sentiment":"positive","sentiment_score":0.4197368025779724}],"sentiment":"neutral","sentiment_score":0.1672840056674821,"num_words":70,"start":1216.91,"end":1240.075},{"sentences":[{"text":"I'm just sort of checking because your income's gone up a little bit just to sort of see.","start":1240.135,"end":1244.635,"sentiment":"neutral","sentiment_score":0.09758629649877548},{"text":"135.","start":1245.6549,"end":1247.0349,"sentiment":"neutral","sentiment_score":0.011447511613368988},{"text":"Yeah.","start":1248.3099,"end":1248.5499,"sentiment":"neutral","sentiment_score":0.01903032884001732},{"text":"So it does look like you're slightly underinsured based on your current income there, but with Charlene working and everything, does that monthly benefit sort of cover expenses, say?","start":1248.5499,"end":1258.1699,"sentiment":"neutral","sentiment_score":0.0014133394920620426},{"text":"Yep.","start":1260.7899,"end":1261.095,"sentiment":"neutral","sentiment_score":0.03939760476350784}],"sentiment":"neutral","sentiment_score":0.03734831254929304,"num_words":50,"start":1240.135,"end":1261.095},{"sentences":[{"text":"Yep.","start":1263.575,"end":1264.075,"sentiment":"neutral","sentiment_score":0.10631857812404633},{"text":"Beautiful.","start":1264.2949,"end":1264.7949,"sentiment":"positive","sentiment_score":0.3697931170463562},{"text":"Fantastic.","start":1264.9349,"end":1265.4349,"sentiment":"positive","sentiment_score":0.5277512073516846},{"text":"Excellent.","start":1265.815,"end":1266.315,"sentiment":"positive","sentiment_score":0.44002318382263184},{"text":"So, essentially, with the insurance cost, they'll keep reviewing it with you as we kinda go through and review everything each year.","start":1266.695,"end":1275.195,"sentiment":"neutral","sentiment_score":0.11696624264798382}],"sentiment":"neutral","sentiment_score":0.1545055163307832,"num_words":26,"start":1263.575,"end":1275.195},{"sentences":[{"text":"These will get more expensive over time.","start":1275.75,"end":1277.51,"sentiment":"neutral","sentiment_score":-0.18764692119189672},{"text":"So one of the things we did talked about is they are stepped premium.","start":1277.51,"end":1280.41,"sentiment":"neutral","sentiment_score":-0.0486367443310363},{"text":"So it does essentially mean that every year, the policy goes through renewal.","start":1280.47,"end":1284.81,"sentiment":"neutral","sentiment_score":-0.016945345470538505},{"text":"There are slight increases in the actual the amount you are insured for, which is great, but it also means the insurances are gonna get more and more expensive over time.","start":1285.1901,"end":1293.275,"sentiment":"neutral","sentiment_score":-0.13532975039655162},{"text":"So for this year, you've paid $5,342.28 for the policy.","start":1293.275,"end":1298.875,"sentiment":"neutral","sentiment_score":-0.022412346972851084}],"sentiment":"neutral","sentiment_score":-0.08845437456155196,"num_words":75,"start":1275.75,"end":1298.875},{"sentences":[{"text":"That's how much has come out of your super fund for the year.","start":1298.875,"end":1302.735,"sentiment":"neutral","sentiment_score":0.028158116799134474},{"text":"That will increase next year.","start":1302.795,"end":1304.46,"sentiment":"neutral","sentiment_score":-0.01419002078473568},{"text":"So we'll make sure to review that when the time comes.","start":1304.46,"end":1307.02,"sentiment":"neutral","sentiment_score":0.02724533917551691},{"text":"And if we need to maybe adjust the cover, reduce it back a little bit, or alter it, we'll look to do that with you.","start":1307.02,"end":1312.62,"sentiment":"neutral","sentiment_score":0.023746626414358617},{"text":"Okay?","start":1312.62,"end":1313.12,"sentiment":"neutral","sentiment_score":0.03803213685750961}],"sentiment":"neutral","sentiment_score":0.02230003532022238,"num_words":55,"start":1298.875,"end":1313.12},{"sentences":[{"text":"Beautiful.","start":1314.22,"end":1314.72,"sentiment":"positive","sentiment_score":0.4889331459999085},{"text":"You will see on that policy that the 6,285, the top amount, that is how much the insurer has actually received for the premium, but you've got a bit of a 15% discount on that due to the taxation consequences in Super.","start":1315.58,"end":1329.1051,"sentiment":"neutral","sentiment_score":0.12720278615043276},{"text":"So you've only paid the 5,342.","start":1329.1051,"end":1332.7251,"sentiment":"neutral","sentiment_score":0.03782338214417299},{"text":"So you got a little bit of a discount there just to note the difference in the two premiums.","start":1332.89,"end":1336.51,"sentiment":"neutral","sentiment_score":0.04198856367484519},{"text":"Okay?","start":1336.81,"end":1337.31,"sentiment":"neutral","sentiment_score":0.06794179975986481}],"sentiment":"neutral","sentiment_score":0.10034949227195719,"num_words":69,"start":1314.22,"end":1337.31},{"sentences":[{"text":"Excellent.","start":1338.9701,"end":1339.4501,"sentiment":"positive","sentiment_score":0.6159766912460327},{"text":"Do you have any questions at the moment?","start":1339.4501,"end":1340.9701,"sentiment":"neutral","sentiment_score":0.2218870110809803},{"text":"You're welcome to let me know if you need me to kinda break anything down or if any additional questions come out of things at all.","start":1340.9701,"end":1347.345,"sentiment":"neutral","sentiment_score":0.24473330837029678},{"text":"It's okay.","start":1349.265,"end":1350.005,"sentiment":"neutral","sentiment_score":0.20467239618301392},{"text":"Yeah.","start":1350.065,"end":1350.465,"sentiment":"neutral","sentiment_score":0.22959168255329132}],"sentiment":"neutral","sentiment_score":0.24718619138002396,"num_words":38,"start":1338.9701,"end":1350.465},{"sentences":[{"text":"Beautiful.","start":1350.465,"end":1350.965,"sentiment":"positive","sentiment_score":0.5789348483085632},{"text":"Fantastic.","start":1351.105,"end":1351.605,"sentiment":"positive","sentiment_score":0.558821976184845},{"text":"If you scroll down past that, hub twenty four report, the next one is the Vanguard index chart.","start":1352.945,"end":1358.7849,"sentiment":"neutral","sentiment_score":0.15694278064701292},{"text":"This one here is more of a bit of a guide.","start":1358.945,"end":1361.125,"sentiment":"neutral","sentiment_score":0.13178422911600632},{"text":"Sort of shows you how investments work over time and why we invest the way we do.","start":1361.5,"end":1366.0,"sentiment":"neutral","sentiment_score":0.10961019686039757}],"sentiment":"neutral","sentiment_score":0.15157764048005143,"num_words":48,"start":1350.465,"end":1366.0},{"sentences":[{"text":"So with your portfolio, you're in that growth environment at the moment, which essentially sees 80% of your super invested in growth assets.","start":1366.0599,"end":1373.1799,"sentiment":"neutral","sentiment_score":0.07360532458709634},{"text":"So think about things like, if you're looking at that chart there, it's essentially things like US shares, Australian shares, international shares, and listed property as well.","start":1373.1799,"end":1382.685,"sentiment":"neutral","sentiment_score":0.039390673102052125},{"text":"So those are growth assets.","start":1382.685,"end":1384.225,"sentiment":"neutral","sentiment_score":0.020024815574288368},{"text":"And those are the ones that over the course of time tend to get us a much greater level of return or greater growth to make us super work harder.","start":1384.605,"end":1391.97,"sentiment":"neutral","sentiment_score":-0.0036361044893662136},{"text":"However, we do understand they expect that they don't always work the way we want them to, and there are some ups and downs that definitely go with that.","start":1392.19,"end":1399.71,"sentiment":"neutral","sentiment_score":-0.08197424098335464}],"sentiment":"neutral","sentiment_score":0.003247882402910475,"num_words":114,"start":1366.0599,"end":1399.71},{"sentences":[{"text":"So being 80% invested in those growth assets does come with the downtimes, and it's about making sure that you're invested in a portfolio that can go through those downtimes, allow your super to recover back, and then grow and build on that before you're actually wanting to retire.","start":1399.71,"end":1415.635,"sentiment":"neutral","sentiment_score":0.011909179189907653},{"text":"So that growth kind of environment you're in at the moment suits someone who's not accessing super for the next sort of six years.","start":1416.62,"end":1423.6,"sentiment":"neutral","sentiment_score":-0.05999922783424457},{"text":"When you're you've got a lot longer than that ahead of you at the moment.","start":1423.8999,"end":1427.2,"sentiment":"neutral","sentiment_score":-0.06411692599455515},{"text":"So if and when you get to, you know, your mid fifties, the conversation will be very different where I'll be, you know, talking about reducing risk and looking at, you know, moving into more of a conservative portfolio.","start":1427.2599,"end":1438.735,"sentiment":"neutral","sentiment_score":0.010206577535241079},{"text":"But for the time being, that generally suits your time horizon.","start":1438.875,"end":1442.975,"sentiment":"neutral","sentiment_score":0.06595152718099681}],"sentiment":"neutral","sentiment_score":-0.005033784454850399,"num_words":138,"start":1399.71,"end":1442.975},{"sentences":[{"text":"We would normally see someone of your age sitting in that gross to high growth area.","start":1443.035,"end":1447.7899,"sentiment":"neutral","sentiment_score":0.04389611794613302},{"text":"And then when you sorta hit your mid fifties and you're about, you know, five to six years out, we sort of look at starting to reduce that risk level a bit for you there.","start":1448.01,"end":1455.7899,"sentiment":"neutral","sentiment_score":0.040491195901163984},{"text":"Okay?","start":1455.85,"end":1456.35,"sentiment":"neutral","sentiment_score":0.08149036765098572},{"text":"Excellent.","start":1457.2899,"end":1457.7899,"sentiment":"positive","sentiment_score":0.5053760409355164},{"text":"Do you have any questions about the risk profile about, you know, investing or that chart there at all?","start":1458.295,"end":1463.915,"sentiment":"neutral","sentiment_score":0.1163035713528332}],"sentiment":"neutral","sentiment_score":0.0682800556662389,"num_words":72,"start":1443.035,"end":1463.915},{"sentences":[{"text":"No.","start":1465.895,"end":1466.135,"sentiment":"neutral","sentiment_score":0.008638285100460052},{"text":"It's beautiful.","start":1466.135,"end":1466.6951,"sentiment":"positive","sentiment_score":0.4997093230485916},{"text":"It's just a bit of a visual we tend to like to put in there.","start":1466.6951,"end":1469.595,"sentiment":"neutral","sentiment_score":0.23212753534317015},{"text":"A lot of people just find it easier to sort of have that visual aid to help them along with understanding the investment aspects, which is kinda cool as well because you can see where the dips hit, who was in power when, and what the dips were, yeah, which is kind of cool as well.","start":1469.655,"end":1484.55,"sentiment":"neutral","sentiment_score":0.2200690488597112},{"text":"Excellent.","start":1486.85,"end":1487.35,"sentiment":"positive","sentiment_score":0.3841289281845093}],"sentiment":"neutral","sentiment_score":0.22930620834231377,"num_words":75,"start":1465.895,"end":1487.35},{"sentences":[{"text":"If you scroll on to the next document for me, you've got your certificate of currency there, which goes through the policy that you do have currently in a little bit more detail as we have definitely gone through.","start":1488.105,"end":1497.565,"sentiment":"neutral","sentiment_score":0.12334817953598805},{"text":"This is provided to you every year at renewal, and it looks like it's due to go through renewal in about October for you there as well.","start":1497.865,"end":1504.5901,"sentiment":"neutral","sentiment_score":0.10794003542374682},{"text":"Okay.","start":1504.5901,"end":1505.0901,"sentiment":"neutral","sentiment_score":0.0829242616891861},{"text":"Yep.","start":1512.8301,"end":1513.3301,"sentiment":"neutral","sentiment_score":0.09212468564510344},{"text":"Beautiful.","start":1517.0449,"end":1517.525,"sentiment":"positive","sentiment_score":0.4866136312484741}],"sentiment":"neutral","sentiment_score":0.121545254158369,"num_words":69,"start":1488.105,"end":1517.525},{"sentences":[{"text":"If this that's the one I'm thinking about.","start":1517.525,"end":1519.625,"sentiment":"neutral","sentiment_score":0.10867600003257394},{"text":"It's probably they're gonna ask you to do a little bit of a survey.","start":1519.765,"end":1522.505,"sentiment":"neutral","sentiment_score":0.1021755433508328},{"text":"And if you answer the survey correctly, then you qualify for that discount.","start":1522.645,"end":1526.6649,"sentiment":"neutral","sentiment_score":0.2318092298049193},{"text":"It's definitely worth doing because I honestly, my insurance is through ClearView as well, and I do that every year.","start":1527.205,"end":1528.725,"sentiment":"positive","sentiment_score":0.5783985793590546},{"text":"And it's definitely worth doing to get that little bit.","start":1528.725,"end":1535.55,"sentiment":"positive","sentiment_score":0.5324872702360153}],"sentiment":"positive","sentiment_score":0.34163430591042226,"num_words":65,"start":1517.525,"end":1535.55},{"sentences":[{"text":"That 10% can make a little bit of a difference on your policy premium.","start":1535.55,"end":1539.01,"sentiment":"positive","sentiment_score":0.380386192883764},{"text":"So it is worth doing.","start":1539.0701,"end":1540.8501,"sentiment":"positive","sentiment_score":0.38628222346305846},{"text":"Yeah.","start":1540.99,"end":1541.49,"sentiment":"positive","sentiment_score":0.3924814462661743},{"text":"All good.","start":1541.87,"end":1542.61,"sentiment":"positive","sentiment_score":0.5322665870189667},{"text":"The next document along is the financial services guide.","start":1543.7451,"end":1547.185,"sentiment":"neutral","sentiment_score":0.07871785511573155}],"sentiment":"neutral","sentiment_score":0.30394493980753806,"num_words":31,"start":1535.55,"end":1547.185},{"sentences":[{"text":"This one here is a pretty boring, arduous document.","start":1547.185,"end":1549.6051,"sentiment":"neutral","sentiment_score":-0.09456002463897069},{"text":"It tends to just run you through everything about who we are, what we do, and how we do it.","start":1549.8251,"end":1553.5051,"sentiment":"neutral","sentiment_score":0.05592366736382246},{"text":"It has a lovely picture of me in there for you as well and has all my licensing information as a licensed adviser for you.","start":1553.5051,"end":1560.75,"sentiment":"neutral","sentiment_score":0.2669807636737824},{"text":"I always tell everyone if you have trouble sleeping one night, feel free to whip that one out and have a bit of a a read.","start":1560.75,"end":1565.71,"sentiment":"neutral","sentiment_score":0.1317303336870212},{"text":"It'll knock you out cold in a few seconds.","start":1565.71,"end":1567.3899,"sentiment":"neutral","sentiment_score":0.23931949999597338}],"sentiment":"neutral","sentiment_score":0.14068333026063576,"num_words":89,"start":1547.185,"end":1567.3899},{"sentences":[{"text":"I can guarantee that.","start":1567.3899,"end":1568.7699,"sentiment":"neutral","sentiment_score":0.11584143526852131},{"text":"These sorts of documents are that boring, but it is kinda kinda cool to see who you're talking to, and that we are licensed advisers and putting all of that information in the forefront for you as well.","start":1569.605,"end":1579.685,"sentiment":"neutral","sentiment_score":0.1863650322744721},{"text":"Okay?","start":1579.685,"end":1580.185,"sentiment":"neutral","sentiment_score":0.11663231998682022},{"text":"Excellent.","start":1582.4299,"end":1582.83,"sentiment":"positive","sentiment_score":0.4765437841415405},{"text":"The next document along is your ongoing service agreement for the next twelve months there.","start":1582.83,"end":1587.71,"sentiment":"neutral","sentiment_score":0.1300329387187958}],"sentiment":"neutral","sentiment_score":0.17099842631210715,"num_words":59,"start":1567.3899,"end":1587.71},{"sentences":[{"text":"So down the checkout, ongoing service fees will change a little bit, but for the moment, it's not.","start":1587.71,"end":1593.09,"sentiment":"neutral","sentiment_score":0.06535070824126403},{"text":"You and your Charlene are both onboard as 1.10%.","start":1593.39,"end":1597.33,"sentiment":"neutral","sentiment_score":0.20097270442379844},{"text":"We are keeping it that way.","start":1597.5851,"end":1599.2051,"sentiment":"neutral","sentiment_score":0.21867068856954575},{"text":"Essentially, that's the 1.10% on a yearly basis, and then it's deducted in smaller monthly increments out of your sofa.","start":1599.745,"end":1606.885,"sentiment":"neutral","sentiment_score":0.14998045638203622},{"text":"And that's our coupling fee as well.","start":1607.185,"end":1608.865,"sentiment":"neutral","sentiment_score":0.1650729924440384}],"sentiment":"neutral","sentiment_score":0.1408701882387201,"num_words":60,"start":1587.71,"end":1608.865},{"sentences":[{"text":"So it is reduced from our current fee structure of 1.65% there.","start":1608.865,"end":1613.1051,"sentiment":"neutral","sentiment_score":0.15363838151097298},{"text":"So if you're happy to stay on board, I'll get you to sign and return that back there for me, and that allows me to keep updating the advice, providing ongoing services for you.","start":1613.1051,"end":1622.2001,"sentiment":"neutral","sentiment_score":0.32952246979317246},{"text":"And there's no other charge for the advice that I'm gonna provide to you with regards to the super, the insurances, and and updating your portfolio, that is all inclusive of this service fee for you.","start":1622.2001,"end":1633.365,"sentiment":"neutral","sentiment_score":0.2206086723340882},{"text":"Okay?","start":1633.425,"end":1633.925,"sentiment":"neutral","sentiment_score":0.13015815615653992},{"text":"Easy.","start":1635.425,"end":1635.925,"sentiment":"neutral","sentiment_score":0.1948322355747223}],"sentiment":"neutral","sentiment_score":0.25374198984354734,"num_words":84,"start":1608.865,"end":1635.925},{"sentences":[{"text":"Do you have any questions about any of those documents?","start":1636.065,"end":1638.645,"sentiment":"neutral","sentiment_score":0.07599766962230206},{"text":"Does anything kinda come to mind that you might like me to answer for you?","start":1638.705,"end":1642.065,"sentiment":"neutral","sentiment_score":0.03546625425418218},{"text":"Or Yeah.","start":1642.065,"end":1646.19,"sentiment":"neutral","sentiment_score":-0.010676798410713673},{"text":"Beautiful.","start":1647.05,"end":1647.55,"sentiment":"neutral","sentiment_score":0.326799213886261},{"text":"Beautiful.","start":1647.77,"end":1648.27,"sentiment":"neutral","sentiment_score":0.22166110575199127}],"sentiment":"neutral","sentiment_score":0.06272680113284752,"num_words":29,"start":1636.065,"end":1648.27},{"sentences":[{"text":"Sorry.","start":1648.49,"end":1648.99,"sentiment":"neutral","sentiment_score":0.01412387378513813},{"text":"Yeah.","start":1650.25,"end":1650.75,"sentiment":"neutral","sentiment_score":-0.004948535934090614},{"text":"No.","start":1650.97,"end":1651.29,"sentiment":"neutral","sentiment_score":-0.07709123194217682},{"text":"Definitely.","start":1651.29,"end":1651.79,"sentiment":"neutral","sentiment_score":-0.04307694733142853},{"text":"I do like to sort of note what what the markets are doing.","start":1651.85,"end":1654.99,"sentiment":"neutral","sentiment_score":-0.017676641448185995}],"sentiment":"neutral","sentiment_score":-0.02004642236758681,"num_words":17,"start":1648.49,"end":1654.99},{"sentences":[{"text":"But also note and, look, I will be honest with you.","start":1655.385,"end":1657.705,"sentiment":"neutral","sentiment_score":-0.03684424473480745},{"text":"If there's an investment that needs to be removed out of your portfolio, if you're not performing if it's not performing the way we sort of hope it will be, I will be at the forefront in telling you that it's not performing correctly and why.","start":1657.705,"end":1667.885,"sentiment":"neutral","sentiment_score":-0.2259601257417513},{"text":"I'll have a look at what's happening, whether we can fix that If the market is just down because the market is just down, that is just a a time that happens.","start":1668.105,"end":1676.7599,"sentiment":"neutral","sentiment_score":-0.1347142225713469},{"text":"And I will stand in front of that and say, hey.","start":1677.22,"end":1679.2999,"sentiment":"neutral","sentiment_score":-0.06556744873523712},{"text":"Look.","start":1679.2999,"end":1679.5399,"sentiment":"neutral","sentiment_score":-0.06524894386529922}],"sentiment":"neutral","sentiment_score":-0.15739404434098467,"num_words":101,"start":1655.385,"end":1679.5399},{"sentences":[{"text":"I understand this is occurring.","start":1679.5399,"end":1681.08,"sentiment":"neutral","sentiment_score":-0.10474081188440323},{"text":"I'll be really honest with you no matter what.","start":1681.62,"end":1684.065,"sentiment":"neutral","sentiment_score":-0.07181486321820153},{"text":"But for now, the fact that Benelon has kinda come down, I would love to have kinda gotten everyone out of it a little bit earlier, but it's it's isn't realistically possible to do so without kinda going through and reviewing all of these circumstances to make sure my advice is appropriate.","start":1684.3849,"end":1697.9249,"sentiment":"neutral","sentiment_score":-0.09396835846396592},{"text":"But it's also not down as much as what it could definitely be.","start":1698.39,"end":1701.59,"sentiment":"neutral","sentiment_score":-0.022072177666884202},{"text":"So I am happy that we are moving you out of that now, and the loss is very minimal compared to, you know, other investments or if you had a higher balance in in your super there.","start":1701.59,"end":1712.15,"sentiment":"neutral","sentiment_score":0.2636569734360721}],"sentiment":"neutral","sentiment_score":0.02941359688752684,"num_words":116,"start":1679.5399,"end":1712.15},{"sentences":[{"text":"So more than happy to sort of get that replaced for you.","start":1712.15,"end":1715.935,"sentiment":"neutral","sentiment_score":0.1533603776867191},{"text":"So sorry.","start":1715.935,"end":1716.415,"sentiment":"neutral","sentiment_score":-0.04992331750690937},{"text":"You're right.","start":1716.415,"end":1717.0751,"sentiment":"neutral","sentiment_score":-0.04247636906802654},{"text":"No.","start":1721.135,"end":1721.535,"sentiment":"neutral","sentiment_score":-0.2986578345298767},{"text":"Definitely not.","start":1721.535,"end":1722.495,"sentiment":"neutral","sentiment_score":-0.323025718331337}],"sentiment":"neutral","sentiment_score":0.037411362520958245,"num_words":19,"start":1712.15,"end":1722.495},{"sentences":[{"text":"No.","start":1722.495,"end":1722.8151,"sentiment":"neutral","sentiment_score":-0.3141598105430603},{"text":"Not with the issues that they're actually having.","start":1722.8151,"end":1724.8351,"sentiment":"neutral","sentiment_score":-0.0763605561805889},{"text":"Yeah.","start":1725.4199,"end":1725.9199,"sentiment":"neutral","sentiment_score":-0.002778800204396248},{"text":"Yeah.","start":1726.0599,"end":1726.5599,"sentiment":"neutral","sentiment_score":0.016228552907705307},{"text":"Not with the not with the issues that they're definitely having.","start":1726.7,"end":1729.36,"sentiment":"neutral","sentiment_score":-0.17583832077004694}],"sentiment":"neutral","sentiment_score":-0.12935527435249902,"num_words":22,"start":1722.495,"end":1729.36},{"sentences":[{"text":"There is a lot of selling off going on, and it's only gonna get greater as that occurs.","start":1729.58,"end":1734.24,"sentiment":"neutral","sentiment_score":-0.23484850260946485},{"text":"There may be a chance that they come back and and rebound from that, but I do not see it happening in the future in the near future.","start":1734.7799,"end":1742.435,"sentiment":"neutral","sentiment_score":-0.2497010590242488},{"text":"And I think the risk of you seeing greater losses is higher down the track.","start":1742.435,"end":1746.915,"sentiment":"negative","sentiment_score":-0.399675856033961},{"text":"So I think removing that now is the way to go for you.","start":1746.915,"end":1749.9751,"sentiment":"neutral","sentiment_score":-0.24673263613994306},{"text":"Okay?","start":1750.035,"end":1750.535,"sentiment":"neutral","sentiment_score":0.011257318779826164}],"sentiment":"neutral","sentiment_score":-0.2721374332159758,"num_words":75,"start":1729.58,"end":1750.535},{"sentences":[{"text":"Yeah.","start":1751.635,"end":1752.115,"sentiment":"neutral","sentiment_score":0.25739622116088867},{"text":"Beautiful.","start":1752.115,"end":1752.615,"sentiment":"positive","sentiment_score":0.5805052518844604},{"text":"So that's the center of those documents there.","start":1753.7599,"end":1755.6,"sentiment":"positive","sentiment_score":0.36982618272304535},{"text":"So once you've kind of gone through and you're welcome to go through them, we do ask that you sign and return those back just so we can kinda keep looking after everything for you.","start":1755.6,"end":1763.3799,"sentiment":"neutral","sentiment_score":0.3300279148987361},{"text":"With with your risk profile, so, realistically, you as I kinda went to you in that growth environment there, you've got that eighty twenty split side of things.","start":1764.3999,"end":1772.805,"sentiment":"neutral","sentiment_score":0.061881050800106356}],"sentiment":"neutral","sentiment_score":0.23397475861217062,"num_words":73,"start":1751.635,"end":1772.805},{"sentences":[{"text":"Are you fairly comfortable with that?","start":1772.805,"end":1774.325,"sentiment":"neutral","sentiment_score":0.056140460073947906},{"text":"Did you wanna kinda go back and review the risk profile, or you're happy you kinda stay in that environment for another year?","start":1774.325,"end":1780.1849,"sentiment":"neutral","sentiment_score":0.03858465288320313},{"text":"Yep.","start":1783.46,"end":1783.94,"sentiment":"neutral","sentiment_score":0.09262379258871078},{"text":"Yeah.","start":1783.94,"end":1784.1799,"sentiment":"neutral","sentiment_score":0.17611084878444672},{"text":"Beautiful.","start":1784.1799,"end":1784.6599,"sentiment":"neutral","sentiment_score":0.32867366075515747}],"sentiment":"neutral","sentiment_score":0.05692806496517733,"num_words":32,"start":1772.805,"end":1784.6599},{"sentences":[{"text":"I can safely yeah.","start":1784.6599,"end":1788.12,"sentiment":"neutral","sentiment_score":0.13146835705265403},{"text":"Build on that.","start":1790.1,"end":1790.98,"sentiment":"neutral","sentiment_score":-0.026750529495378334},{"text":"Yeah.","start":1790.98,"end":1791.48,"sentiment":"neutral","sentiment_score":-0.03452414274215698},{"text":"Absolutely.","start":1792.26,"end":1792.76,"sentiment":"neutral","sentiment_score":0.07719790190458298},{"text":"No.","start":1793.22,"end":1793.5399,"sentiment":"neutral","sentiment_score":0.09170419722795486}],"sentiment":"neutral","sentiment_score":0.057999979611486195,"num_words":10,"start":1784.6599,"end":1793.5399},{"sentences":[{"text":"Perfect.","start":1793.5399,"end":1794.02,"sentiment":"neutral","sentiment_score":0.20410262048244476},{"text":"Not a problem at all.","start":1794.02,"end":1795.425,"sentiment":"neutral","sentiment_score":0.13693928122520446},{"text":"And you've kind of mentioned to me that your income's up to about 135,000 there at the moment as well.","start":1795.905,"end":1801.4451,"sentiment":"neutral","sentiment_score":0.044056957308202985},{"text":"Sorry.","start":1801.8251,"end":1802.3251,"sentiment":"neutral","sentiment_score":0.01565566658973694},{"text":"Are you how do you extend it to within the family?","start":1804.145,"end":1806.9451,"sentiment":"neutral","sentiment_score":0.024729915301908146}],"sentiment":"neutral","sentiment_score":0.05414797125482246,"num_words":38,"start":1793.5399,"end":1806.9451},{"sentences":[{"text":"I know I sent through that strategy paper a few months back with regards the cash flow and budgeting side of things.","start":1806.9451,"end":1812.78,"sentiment":"neutral","sentiment_score":0.024015776220370422},{"text":"How did that go?","start":1812.78,"end":1813.5,"sentiment":"neutral","sentiment_score":0.050531535409390926},{"text":"Did you happen to implement much of that, or did you get the debts paid down 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okay.","start":1886.145,"end":1886.7849,"sentiment":"neutral","sentiment_score":0.003224310465157031},{"text":"That's what we're here for, honestly.","start":1886.7849,"end":1888.325,"sentiment":"neutral","sentiment_score":0.024053351177523535},{"text":"When we sort of look at additional contributions into super and things like that, are you open to maybe looking at salary sacrifice, or are you sorta hoping to not right now focusing on the deck and all the other expenses you've got going 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that?","start":1996.2251,"end":2000.805,"sentiment":"neutral","sentiment_score":-0.0020645704741279283},{"text":"Okay.","start":2005.265,"end":2005.745,"sentiment":"neutral","sentiment_score":0.15473179519176483},{"text":"Beautiful.","start":2005.745,"end":2006.245,"sentiment":"positive","sentiment_score":0.3639901876449585}],"sentiment":"neutral","sentiment_score":0.04835736447864253,"num_words":46,"start":1986.01,"end":2006.245},{"sentences":[{"text":"That's okay.","start":2006.785,"end":2007.6051,"sentiment":"neutral","sentiment_score":0.2911761999130249},{"text":"It is definitely worth sort of looking at doing those sorts of things, especially with your house, your property, things like that.","start":2008.38,"end":2013.42,"sentiment":"neutral","sentiment_score":0.24517332085154273},{"text":"We obviously have your beneficiary nominations on file and make sure your beneficiaries are applied and up to date, but that covers your life insurance and your super.","start":2013.42,"end":2021.66,"sentiment":"neutral","sentiment_score":0.16726489258663996},{"text":"So we do like to just make sure that we're reiterating the importance of having a will power of attorney speaking to a solicitor if you've got one.","start":2021.66,"end":2028.7051,"sentiment":"neutral","sentiment_score":0.15726536778467043},{"text":"We can always refer you to our local solicitor here if you wanted to do that.","start":2028.8451,"end":2033.0851,"sentiment":"neutral","sentiment_score":0.17335550411371514}],"sentiment":"neutral","sentiment_score":0.1857989668205846,"num_words":96,"start":2006.785,"end":2033.0851},{"sentences":[{"text":"The other option is if you have a look, every state and territory also has, like, the a local trustee or a government trustee who can do at will.","start":2033.0851,"end":2043.02,"sentiment":"neutral","sentiment_score":0.04125238614606446},{"text":"Some states do them for free as well, so it can be more cost effective.","start":2043.02,"end":2046.56,"sentiment":"neutral","sentiment_score":0.095705929150184},{"text":"And the wills are done up by solicitors and lawyers.","start":2046.86,"end":2049.84,"sentiment":"neutral","sentiment_score":0.07010615691542625},{"text":"It's just that they try to make it to, you know, help people to get a will in place who may not be able to afford to.","start":2050.355,"end":2057.015,"sentiment":"neutral","sentiment_score":0.057622079702991026},{"text":"And I could always if you wanted me to, I could always email through after the call some information on your local trust fee.","start":2057.4749,"end":2062.65,"sentiment":"neutral","sentiment_score":0.06619413786878188}],"sentiment":"neutral","sentiment_score":0.06168976348070871,"num_words":105,"start":2033.0851,"end":2062.65},{"sentences":[{"text":"That way, you've kinda got that as a bit of a talking point if you wanted me to.","start":2062.65,"end":2066.75,"sentiment":"neutral","sentiment_score":0.09950788898600472},{"text":"Yep.","start":2068.8098,"end":2069.2898,"sentiment":"neutral","sentiment_score":0.2676848769187927},{"text":"Beautiful.","start":2069.2898,"end":2069.7898,"sentiment":"positive","sentiment_score":0.5579938888549805},{"text":"Excellent.","start":2070.0898,"end":2070.5898,"sentiment":"positive","sentiment_score":0.5359764099121094},{"text":"And they can also help with guardianship and things like that as well because I know you guys have kids.","start":2071.0498,"end":2075.3699,"sentiment":"neutral","sentiment_score":0.22006197199225425}],"sentiment":"neutral","sentiment_score":0.18424479554339154,"num_words":41,"start":2062.65,"end":2075.3699},{"sentences":[{"text":"So doing up, you know, guardianship to sort of protect them if anything happened to the the two of you is also kind of important there as well.","start":2075.3699,"end":2082.625,"sentiment":"neutral","sentiment_score":0.14654814638197422},{"text":"Yeah.","start":2082.925,"end":2083.425,"sentiment":"neutral","sentiment_score":0.136330246925354},{"text":"Excellent.","start":2084.6052,"end":2085.1052,"sentiment":"positive","sentiment_score":0.5044975280761719},{"text":"Beautiful.","start":2085.245,"end":2085.745,"sentiment":"positive","sentiment_score":0.519428014755249},{"text":"Other than that, it looks like we've got pretty much everything going well.","start":2087.3252,"end":2091.2651,"sentiment":"neutral","sentiment_score":0.29202793767819035}],"sentiment":"neutral","sentiment_score":0.2059083426879211,"num_words":44,"start":2075.3699,"end":2091.2651},{"sentences":[{"text":"I've got down here that we'll look at, obviously, accessing super at age 60 at the moment.","start":2091.485,"end":2096.0999,"sentiment":"neutral","sentiment_score":0.0777060251463862},{"text":"If you did wanna down the track look at, you know, wealth outside of super, let me know.","start":2096.0999,"end":2100.66,"sentiment":"neutral","sentiment_score":0.050984714180231094},{"text":"We can definitely talk about that and look at, you know, how you might be able to retire a bit earlier.","start":2100.66,"end":2104.76,"sentiment":"neutral","sentiment_score":0.1219618512051446},{"text":"With the advice, just to kind of recap, make sure I'm on I've got everything down for you, we'll retain your insurances as they are.","start":2105.94,"end":2114.065,"sentiment":"neutral","sentiment_score":0.1102569803595543},{"text":"You're fairly happy with them at the moment.","start":2114.065,"end":2116.0051,"sentiment":"neutral","sentiment_score":0.2980697751045227}],"sentiment":"neutral","sentiment_score":0.11169560525691911,"num_words":89,"start":2091.485,"end":2116.0051},{"sentences":[{"text":"You don't have any trauma or child trauma or anything out of pocket.","start":2116.625,"end":2119.905,"sentiment":"neutral","sentiment_score":-0.06198567791859834},{"text":"Did you wanna kinda look at, you know, in-depth more insurances like trauma and child trauma at all?","start":2119.905,"end":2125.5698,"sentiment":"neutral","sentiment_score":-0.0014084395693822042},{"text":"Are you sort of happy with just the cover you've got?","start":2125.5698,"end":2127.8699,"sentiment":"neutral","sentiment_score":-0.02221636524931951},{"text":"That's okay.","start":2130.01,"end":2130.8298,"sentiment":"neutral","sentiment_score":0.22700946778059006},{"text":"Beautiful.","start":2130.97,"end":2131.47,"sentiment":"positive","sentiment_score":0.5262475609779358}],"sentiment":"neutral","sentiment_score":-0.0021173165865345962,"num_words":45,"start":2116.625,"end":2131.47},{"sentences":[{"text":"Excellent.","start":2131.69,"end":2132.19,"sentiment":"positive","sentiment_score":0.4716908633708954},{"text":"I'll look at the super.","start":2132.73,"end":2133.8499,"sentiment":"neutral","sentiment_score":0.3277435600757599},{"text":"I'll reevaluate the portfolio, keeping you in that growth environment there.","start":2133.8499,"end":2137.515,"sentiment":"neutral","sentiment_score":0.25915420868180017},{"text":"Look at swapping out any investments that are underperforming.","start":2137.515,"end":2139.855,"sentiment":"neutral","sentiment_score":-0.012068030320935778},{"text":"Look at maybe lower cost investments in the portfolio that's working harder as well, and we'll look at that and how it affects you over the next five to ten years.","start":2140.155,"end":2147.675,"sentiment":"neutral","sentiment_score":0.06993233869152685}],"sentiment":"neutral","sentiment_score":0.12316482782102468,"num_words":57,"start":2131.69,"end":2147.675},{"sentences":[{"text":"Does that sound okay?","start":2147.675,"end":2148.93,"sentiment":"neutral","sentiment_score":0.10207024775445461},{"text":"Have I kind of missed anything, or is there anything else that you kinda wanted to flag for me to look at for you?","start":2148.93,"end":2154.71,"sentiment":"neutral","sentiment_score":-0.02101619200160106},{"text":"No?","start":2156.77,"end":2157.27,"sentiment":"neutral","sentiment_score":-0.1548614799976349},{"text":"Yes.","start":2158.69,"end":2159.19,"sentiment":"neutral","sentiment_score":0.28908249735832214},{"text":"Beautiful.","start":2159.3298,"end":2159.8298,"sentiment":"positive","sentiment_score":0.5540544390678406}],"sentiment":"neutral","sentiment_score":0.019102188367997448,"num_words":31,"start":2147.675,"end":2159.8298},{"sentences":[{"text":"All good.","start":2159.89,"end":2160.6099,"sentiment":"positive","sentiment_score":0.45259933173656464},{"text":"Samantha did come back to me.","start":2160.6099,"end":2161.97,"sentiment":"neutral","sentiment_score":0.09670803261299928},{"text":"She said that Clearview won't let us review the won't let us review the exclusions yet.","start":2161.97,"end":2166.865,"sentiment":"neutral","sentiment_score":-0.06477067456580698},{"text":"We'll get a bit more detail from them soon, hopefully.","start":2167.2449,"end":2169.9849,"sentiment":"neutral","sentiment_score":0.0029753648675978185},{"text":"When they do let us review those exclusions, if they do, then we'll definitely make sure we take care of that with you.","start":2170.365,"end":2175.325,"sentiment":"neutral","sentiment_score":-0.0134042051985212}],"sentiment":"neutral","sentiment_score":0.0029925086878632243,"num_words":57,"start":2159.89,"end":2175.325},{"sentences":[{"text":"But, unfortunately, I've said not quite.","start":2175.325,"end":2177.9849,"sentiment":"neutral","sentiment_score":-0.276896466811498},{"text":"They'll try.","start":2183.08,"end":2183.8801,"sentiment":"neutral","sentiment_score":-0.1733461245894432},{"text":"They'll try.","start":2183.8801,"end":2184.52,"sentiment":"neutral","sentiment_score":-0.10487203672528267},{"text":"But there'll come a point where we were able to to look at that.","start":2184.52,"end":2187.58,"sentiment":"neutral","sentiment_score":-0.07535617905003685},{"text":"If not, we can always look down the track to see if there's another you can ensure that we'll, you know, you know, try to provide the same level of cover without having those exclusions on file.","start":2187.8,"end":2196.095,"sentiment":"neutral","sentiment_score":-0.07397797054334267}],"sentiment":"neutral","sentiment_score":-0.09852436951315793,"num_words":61,"start":2175.325,"end":2196.095},{"sentences":[{"text":"So we'll we'll keep trying.","start":2196.095,"end":2198.575,"sentiment":"neutral","sentiment_score":0.023109475523233412},{"text":"Every year, it's worth reviewing.","start":2198.575,"end":2200.0151,"sentiment":"neutral","sentiment_score":0.08034458607435227},{"text":"It's something that I promised you I would do each year, so I will make sure I do so every year with you and when and if we're able to.","start":2200.0151,"end":2206.5,"sentiment":"neutral","sentiment_score":0.1020009160041809},{"text":"Or if they won't come to the party, we'll look at another insurer for you as well.","start":2206.58,"end":2210.34,"sentiment":"neutral","sentiment_score":-0.0043397508561611176},{"text":"So we do always have some options.","start":2210.34,"end":2212.92,"sentiment":"neutral","sentiment_score":0.10314217316252845}],"sentiment":"neutral","sentiment_score":0.06602370680775493,"num_words":64,"start":2196.095,"end":2212.92},{"sentences":[{"text":"Yeah.","start":2214.1,"end":2214.42,"sentiment":"neutral","sentiment_score":0.0382751002907753},{"text":"Sorry.","start":2214.42,"end":2214.92,"sentiment":"neutral","sentiment_score":-0.05091605335474014},{"text":"Yep.","start":2220.26,"end":2220.675,"sentiment":"neutral","sentiment_score":-0.08411253988742828},{"text":"Yeah.","start":2222.2751,"end":2222.7551,"sentiment":"neutral","sentiment_score":0.03673996031284332},{"text":"Absolutely.","start":2222.7551,"end":2223.2551,"sentiment":"neutral","sentiment_score":0.07855342328548431}],"sentiment":"neutral","sentiment_score":0.003707978129386902,"num_words":5,"start":2214.1,"end":2223.2551},{"sentences":[{"text":"I think with the epididymis one, that's probably more of a blanket one.","start":2223.395,"end":2226.695,"sentiment":"neutral","sentiment_score":-0.01804787952166337},{"text":"Normally, with back, depending on the outcome, they often do let you review it.","start":2226.915,"end":2231.395,"sentiment":"neutral","sentiment_score":0.04950173718056509},{"text":"Sometimes it's within one to two years.","start":2231.395,"end":2233.315,"sentiment":"neutral","sentiment_score":0.032979703907455714},{"text":"Sometimes they make you sort of hold off about three to four years, but we'll keep working with Clearview each year.","start":2233.315,"end":2239.43,"sentiment":"neutral","sentiment_score":0.028891520042504584},{"text":"Looks like this year, we've only sort of had it for twelve months, so they're sort of saying not yet.","start":2239.43,"end":2243.69,"sentiment":"neutral","sentiment_score":0.01750291420612484}],"sentiment":"neutral","sentiment_score":0.021947200254847605,"num_words":75,"start":2223.395,"end":2243.69},{"sentences":[{"text":"We'll just keep kinda reviewing things with them each year.","start":2243.99,"end":2247.1099,"sentiment":"neutral","sentiment_score":0.21546723917126656},{"text":"And as long as you've had no ongoing pain, no problems, not having any symptoms or anything like that, there should come a point where they are willing to come to the party and help us out.","start":2247.1099,"end":2256.7852,"sentiment":"neutral","sentiment_score":0.3165819858377044},{"text":"If they're not, I'll look at other insurers and see what else I can do for you.","start":2256.925,"end":2260.925,"sentiment":"neutral","sentiment_score":0.11633648701450404},{"text":"So we do have other options down the track that I'm willing to explore to help you out.","start":2260.925,"end":2265.965,"sentiment":"neutral","sentiment_score":0.24253369453880522},{"text":"Okay?","start":2265.965,"end":2266.465,"sentiment":"neutral","sentiment_score":0.14783933758735657}],"sentiment":"neutral","sentiment_score":0.24529363838843551,"num_words":83,"start":2243.99,"end":2266.465},{"sentences":[{"text":"Easy.","start":2267.5598,"end":2268.0598,"sentiment":"neutral","sentiment_score":-0.06339132785797119},{"text":"I wanted to make sure as well that I do have you booked in for your advice presentation once we've got that research done.","start":2268.44,"end":2274.2,"sentiment":"neutral","sentiment_score":0.30361274754007656},{"text":"It doesn't take too long to do so.","start":2274.2,"end":2276.2998,"sentiment":"neutral","sentiment_score":0.170975630171597},{"text":"I can, if you're comfortable, rebook you in for that now.","start":2277.0,"end":2280.28,"sentiment":"neutral","sentiment_score":0.2239642861214551},{"text":"Would that be okay?","start":2280.28,"end":2281.42,"sentiment":"neutral","sentiment_score":0.18100470304489136}],"sentiment":"neutral","sentiment_score":0.2453905336248378,"num_words":48,"start":2267.5598,"end":2281.42},{"sentences":[{"text":"Yep.","start":2283.295,"end":2283.535,"sentiment":"positive","sentiment_score":0.3743120431900024},{"text":"Beautiful.","start":2283.535,"end":2284.035,"sentiment":"positive","sentiment_score":0.544655978679657},{"text":"So it probably takes, I reckon, about two weeks to do so.","start":2284.415,"end":2288.815,"sentiment":"neutral","sentiment_score":0.1680139700571696},{"text":"So I can have everything kinda done for you the week of the September 7.","start":2288.815,"end":2293.715,"sentiment":"neutral","sentiment_score":0.14447655628124872},{"text":"It's about two weeks away.","start":2294.2551,"end":2295.875,"sentiment":"neutral","sentiment_score":-0.013216562755405902}],"sentiment":"neutral","sentiment_score":0.14812356449992342,"num_words":34,"start":2283.295,"end":2295.875},{"sentences":[{"text":"Is there a day or an afternoon that sort of suits you best to kinda go through the updated advice?","start":2296.18,"end":2301.32,"sentiment":"neutral","sentiment_score":0.06311675142496824},{"text":"Yep.","start":2306.42,"end":2306.92,"sentiment":"neutral","sentiment_score":0.17664562165737152},{"text":"Beautiful.","start":2308.42,"end":2308.92,"sentiment":"positive","sentiment_score":0.424984335899353},{"text":"And sort of afternoon or morning?","start":2309.815,"end":2312.395,"sentiment":"neutral","sentiment_score":0.04380394332110882},{"text":"Yep.","start":2317.815,"end":2318.295,"sentiment":"neutral","sentiment_score":0.11967550218105316}],"sentiment":"neutral","sentiment_score":0.07746428097116537,"num_words":29,"start":2296.18,"end":2318.295},{"sentences":[{"text":"Yep.","start":2318.295,"end":2318.695,"sentiment":"neutral","sentiment_score":0.21374881267547607},{"text":"Perfect.","start":2318.695,"end":2319.095,"sentiment":"positive","sentiment_score":0.4611392617225647},{"text":"I do have 03:30 available on the Wednesday, September 9 for you.","start":2319.095,"end":2323.2551,"sentiment":"neutral","sentiment_score":0.18260442465543747},{"text":"So I'll pop that in there.","start":2323.2551,"end":2324.615,"sentiment":"neutral","sentiment_score":0.19141787787278494},{"text":"I'll add a little text message reminder so it sends you a message to let you know.","start":2324.615,"end":2328.71,"sentiment":"neutral","sentiment_score":0.2173287438995698}],"sentiment":"neutral","sentiment_score":0.20835775902142395,"num_words":37,"start":2318.295,"end":2328.71},{"sentences":[{"text":"I'll get stuck into the research to remove Bandalong and any other investments we maybe need to remove for you.","start":2329.01,"end":2334.9302,"sentiment":"neutral","sentiment_score":0.1644722070544958},{"text":"We'll get that advice out to you nice and quickly in that two weeks on the ninth.","start":2334.9302,"end":2339.115,"sentiment":"positive","sentiment_score":0.3853183287908049},{"text":"We'll go through it, and then you can sort of see what I'm recommending, how and why the advantages, disadvantages, and the risks involved then.","start":2339.115,"end":2345.9949,"sentiment":"neutral","sentiment_score":0.07439173310995102},{"text":"How does that sound?","start":2345.9949,"end":2347.135,"sentiment":"neutral","sentiment_score":0.06062096543610096},{"text":"Yeah.","start":2348.795,"end":2349.195,"sentiment":"neutral","sentiment_score":0.14080341160297394}],"sentiment":"neutral","sentiment_score":0.18034233330790675,"num_words":67,"start":2329.01,"end":2349.195},{"sentences":[{"text":"Beautiful.","start":2349.195,"end":2349.695,"sentiment":"positive","sentiment_score":0.5301753282546997},{"text":"Thank you so much for this afternoon, Travis.","start":2349.915,"end":2352.09,"sentiment":"positive","sentiment_score":0.7227402031421661},{"text":"I hope you have a lovely afternoon.","start":2352.09,"end":2354.03,"sentiment":"neutral","sentiment_score":0.12333254516124725},{"text":"Are you done for the day?","start":2354.09,"end":2355.4502,"sentiment":"neutral","sentiment_score":0.04715700075030327},{"text":"Or thank you.","start":2355.4502,"end":2356.75,"sentiment":"neutral","sentiment_score":0.11350775882601738}],"sentiment":"neutral","sentiment_score":0.31195560202002526,"num_words":25,"start":2349.195,"end":2356.75},{"sentences":[{"text":"Yep.","start":2358.33,"end":2358.83,"sentiment":"neutral","sentiment_score":0.1852580159902573},{"text":"Beautiful.","start":2358.9702,"end":2359.4702,"sentiment":"positive","sentiment_score":0.5397970676422119},{"text":"Well, you nice.","start":2359.53,"end":2361.4502,"sentiment":"positive","sentiment_score":0.6419322689374288},{"text":"You get to put your feet up and relax.","start":2361.4502,"end":2363.23,"sentiment":"positive","sentiment_score":0.6996604998906454},{"text":"Beautiful.","start":2365.485,"end":2365.885,"sentiment":"positive","sentiment_score":0.6678308844566345}],"sentiment":"positive","sentiment_score":0.6410418182611466,"num_words":15,"start":2358.33,"end":2365.885},{"sentences":[{"text":"Well, thank you so much for taking my call.","start":2365.885,"end":2367.725,"sentiment":"positive","sentiment_score":0.7681243287192451},{"text":"I'll get stuck into this research.","start":2367.725,"end":2369.0852,"sentiment":"positive","sentiment_score":0.644366463025411},{"text":"Just update your advice and keep working forward towards your goals.","start":2369.0852,"end":2372.0452,"sentiment":"positive","sentiment_score":0.6321158896793019},{"text":"I'm looking forward to being a part of all of this and working towards your retirement.","start":2372.0452,"end":2375.905,"sentiment":"positive","sentiment_score":0.747368972748518},{"text":"And if there's anything you need in the meantime, please let me know.","start":2376.0452,"end":2381.3027,"sentiment":"neutral","sentiment_score":0.20556198347073334}],"sentiment":"positive","sentiment_score":0.588414579494433,"num_words":55,"start":2365.885,"end":2381.3027},{"sentences":[{"text":"Okay?","start":2381.3027,"end":2381.7827,"sentiment":"neutral","sentiment_score":0.2343631088733673},{"text":"My pleasure.","start":2381.7827,"end":2382.5027,"sentiment":"positive","sentiment_score":0.586951494216919},{"text":"Enjoy your afternoon.","start":2382.5027,"end":2383.5427,"sentiment":"positive","sentiment_score":0.6596608360608419},{"text":"Thanks, Travis.","start":2383.5427,"end":2384.4429,"sentiment":"positive","sentiment_score":0.5792418718338013},{"text":"See you later.","start":2385.3027,"end":2385.9429,"sentiment":"neutral","sentiment_score":0.2677600085735321}],"sentiment":"positive","sentiment_score":0.48627385226162995,"num_words":11,"start":2381.3027,"end":2385.9429},{"sentences":[{"text":"Bye.","start":2385.9429,"end":2386.4429,"sentiment":"neutral","sentiment_score":-0.10038238763809204}],"sentiment":"neutral","sentiment_score":-0.10038238763809204,"num_words":1,"start":2385.9429,"end":2386.4429}]}}]},{"alternatives":[{"transcript":"I can invite. Hello? Yeah. Good. Thank you. Yourself? No. It's been very well. Just pulling up my mail too. Good. Yeah. It's fine. Yeah. No. I can. Yep. Yep. Yep. That's fine. Who is it? Oh, she wants to pay. Yes. Sorry. I'm just putting you on speakerphone so I'm gonna put my emails. Yeah. You're fine. That's fine. Alright. So is that one comes you've said that one, have you? Yep. Gotcha. No. I've got it now. Yep. Sure. Yeah. That's fine. Yep. Yep. Okay. Yes. I am. Yep. Okay. Daniel was 20 eight. Okay. Yeah. Okay. Yeah. No. It well, it makes sense. It would be nice to pick up on a a little bit earlier, essentially. Oh, no. That that's alright. Yeah. No. I just said it, yeah, it makes sense to cut losses, but it would have been nice to pick up on it earlier before the losses got so big. Yeah. Yep. Yep. Sure. Sure. Nah. Nah. Awesome. Yeah. Look. At the moment, yeah, things is about right. Younger if possible, or if if there's nothing there, but, yeah, it's sort of hard to judge at the moment. Sure. Okay. Okay. Excellent. I'm not yeah. I'm I'm not too sure. Like, I'm sort of putting my faith in you guys. Service. Yeah. Yep. Yep. Yeah. No. That's all my consent. That that sounds good. Yeah. It sounds like you're you're all over it. Yeah. Yeah. Yep. That sounds good. It looks like that ACDC one is performing very nicely. Yeah. Yeah. Yep. Yeah. So what's the so the average, it's 4.6% overall for the. Yeah. So that's that is that including, obviously, super contributions from my employer? Okay. Yep. Yeah. Not. Okay. Okay. Yep. Is there a do you guys do, like, a biannual report instead of a yearly report just in case, like, we start getting underperforming? Yeah? Yep. Yes. Okay. Yes. Yeah. Excellent. Yes. Yeah. Yeah. Sure. That's right. Well, I'm having no issues. So I'm not actually that concerned that they're not included. Yeah. Yeah. Yeah. Yep. Yeah. It's we've actually borrowed against it again. It's about 450, 460. Yeah. It's a bit 135, so it's about the same. Yeah. Yeah. That's fine. Yeah. That's plenty at the moment. I'm not planning on going anytime soon. Yeah. No. I think you're good. Yeah. Yeah. That that's fine. Yeah. That'll definitely cover everything because there's no there'll be no fuel cost. No. Nothing else. Yeah. Yep. Yep. Yes. Okay. Yep. Awesome. No. The Clearview. That's all fine. Good. I'm looking at that. Yep. Not a trust fund. Yeah. You can say who was in power and all that. Yeah. Yep. Yeah. No. It's it's a cool cool chat. Yep. I've actually got a letter from Clearview. They're talking about a 10% discount on health and rewards program, so I've gotta have a look at that at some stage. Yep. Okay. Cool. Yeah. Nice. Cool. Okay. Yeah. No. Cool. Yeah. Okay. No. I think that's been pretty informative. We've gone through a lot of it. The market does what market does and yeah. Yep. Yeah. Are you yeah. No. I was gonna say, are you expecting a bounce back with Benelung? Or okay. So they they okay. Yeah. Okay. Yep. No. Happy to go for the for another year, definitely. I think, yeah, another another couple of years of, yeah, a slightly more risk. It's yeah. They might bankrupt a bit more. Okay. Yep. Okay. Yeah. No. We've yeah. We we mortgaged, so we're saving a bit on that. We ought to also got a top up. So we're building a deck at the back. That's starting on Thursday, which is fantastic. But, yeah, we've, yeah, got a couple $100 left in our pocket at the end of the week sort of thing, which is good. It'd be 2 to 2 to 300, depends on what we we do during the week. Yeah. Yeah. That's that's all now we've we've completed all that. We did throw end up putting a little bit onto the during the refinance or the ZIP or whatever it was, but that just freed up the, yeah, the rest of the weekly wage. Yeah. No. That's worked out really well. Yeah. Definitely. Yeah. No. I appreciate that. Potentially, maybe next year. I might look at doing a little bit of salary sacrifice, but not at the moment. Yeah. It it would have gone it would have depreciated for a couple of thousand, not a not a shame. Yeah. 50 five to 50 around that mark. I'm not I wouldn't know a 100. Yeah. Yeah. At the moment, keep it the same. We will be getting some, well, adult kitchen and some patio furniture, which we'll put up a little bit, but, yeah, but that's not not just yet. No. We have spoken about it. We just haven't done it. Yeah. That'd be great if you can. Yep. Yeah. That's fine. No. That that's fine. It's sample. No. I think that's that's pretty good at the moment. Yeah. I'm I'm assuming they're gonna I'm assuming that it's gonna say it's a a blanket exclusion. Yes. Yeah. Yep. Yeah. Cool. Or even just yeah. Even just trying to find out whether, you know, it will have a review date or whether it's in a blanket ban. Yep. Yeah. Sure. Not all good. Yes, ma'am. Yeah. Probably on a Wednesday would be best. Yeah. Yeah. In the in the afternoon, around this time, like, the 03:30 mark. Yep. No. Cool. Not too dumb. You too. Yeah. I'm I'm done for the day. So I'm home, which is excellent. Yeah. Not too easy. Thank you very much. No. You too. 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can invite. Hello? Yeah. Good. Thank you.\n\nYourself? No. It's been very well. Just pulling up my mail too. Good.\n\nYeah. It's fine. Yeah. No. I can.\n\nYep. Yep. Yep. That's fine. Who is it?\n\nOh, she wants to pay. Yes. Sorry. I'm just putting you on speakerphone so I'm gonna put my emails. Yeah.\n\nYou're fine. That's fine. Alright. So is that one comes you've said that one, have you? Yep.\n\nGotcha. No. I've got it now. Yep. Sure.\n\nYeah. That's fine. Yep. Yep. Okay.\n\nYes. I am. Yep. Okay. Daniel was 20 eight.\n\nOkay. Yeah. Okay. Yeah. No.\n\nIt well, it makes sense. It would be nice to pick up on a a little bit earlier, essentially. Oh, no. That that's alright. Yeah.\n\nNo. I just said it, yeah, it makes sense to cut losses, but it would have been nice to pick up on it earlier before the losses got so big. Yeah. Yep. Yep.\n\nSure. Sure. Nah. Nah. Awesome.\n\nYeah. Look. At the moment, yeah, things is about right. Younger if possible, or if if there's nothing there, but, yeah, it's sort of hard to judge at the moment. Sure.\n\nOkay. Okay. Excellent. I'm not yeah. I'm I'm not too sure.\n\nLike, I'm sort of putting my faith in you guys. Service. Yeah. Yep. Yep.\n\nYeah. No. That's all my consent. That that sounds good. Yeah.\n\nIt sounds like you're you're all over it. Yeah. Yeah. Yep. That sounds good.\n\nIt looks like that ACDC one is performing very nicely. Yeah. Yeah. Yep. Yeah.\n\nSo what's the so the average, it's 4.6% overall for the. Yeah. So that's that is that including, obviously, super contributions from my employer? Okay. Yep.\n\nYeah. Not. Okay. Okay. Yep.\n\nIs there a do you guys do, like, a biannual report instead of a yearly report just in case, like, we start getting underperforming? Yeah? Yep. Yes. Okay.\n\nYes. Yeah. Excellent. Yes. Yeah.\n\nYeah. Sure. That's right. Well, I'm having no issues. So I'm not actually that concerned that they're not included.\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nIt's we've actually borrowed against it again. It's about 450, 460. Yeah. It's a bit 135, so it's about the same. Yeah.\n\nYeah. That's fine. Yeah. That's plenty at the moment. I'm not planning on going anytime soon.\n\nYeah. No. I think you're good. Yeah. Yeah.\n\nThat that's fine. Yeah. That'll definitely cover everything because there's no there'll be no fuel cost. No. Nothing else.\n\nYeah. Yep. Yep. Yes. Okay.\n\nYep. Awesome. No. The Clearview. That's all fine.\n\nGood. I'm looking at that. Yep. Not a trust fund. Yeah.\n\nYou can say who was in power and all that. Yeah. Yep. Yeah. No.\n\nIt's it's a cool cool chat. Yep. I've actually got a letter from Clearview. They're talking about a 10% discount on health and rewards program, so I've gotta have a look at that at some stage. Yep.\n\nOkay. Cool. Yeah. Nice. Cool.\n\nOkay. Yeah. No. Cool. Yeah.\n\nOkay. No. I think that's been pretty informative. We've gone through a lot of it. The market does what market does and yeah.\n\nYep. Yeah. Are you yeah. No. I was gonna say, are you expecting a bounce back with Benelung?\n\nOr okay. So they they okay. Yeah. Okay. Yep.\n\nNo. Happy to go for the for another year, definitely. I think, yeah, another another couple of years of, yeah, a slightly more risk. It's yeah. They might bankrupt a bit more.\n\nOkay. Yep. Okay. Yeah. No.\n\nWe've yeah. We we mortgaged, so we're saving a bit on that. We ought to also got a top up. So we're building a deck at the back. That's starting on Thursday, which is fantastic.\n\nBut, yeah, we've, yeah, got a couple $100 left in our pocket at the end of the week sort of thing, which is good. It'd be 2 to 2 to 300, depends on what we we do during the week. Yeah. Yeah. That's that's all now we've we've completed all that.\n\nWe did throw end up putting a little bit onto the during the refinance or the ZIP or whatever it was, but that just freed up the, yeah, the rest of the weekly wage. Yeah. No. That's worked out really well. Yeah.\n\nDefinitely. Yeah. No. I appreciate that. Potentially, maybe next year.\n\nI might look at doing a little bit of salary sacrifice, but not at the moment. Yeah. It it would have gone it would have depreciated for a couple of thousand, not a not a shame. Yeah. 50 five to 50 around that mark.\n\nI'm not I wouldn't know a 100. Yeah. Yeah. At the moment, keep it the same. We will be getting some, well, adult kitchen and some patio furniture, which we'll put up a little bit, but, yeah, but that's not not just yet.\n\nNo. We have spoken about it. We just haven't done it. Yeah. That'd be great if you can.\n\nYep. Yeah. That's fine. No. That that's fine.\n\nIt's sample. No. I think that's that's pretty good at the moment. Yeah. I'm I'm assuming they're gonna I'm assuming that it's gonna say it's a a blanket exclusion.\n\nYes. Yeah. Yep. Yeah. Cool.\n\nOr even just yeah. Even just trying to find out whether, you know, it will have a review date or whether it's in a blanket ban. Yep. Yeah. Sure.\n\nNot all good. Yes, ma'am. Yeah. Probably on a Wednesday would be best. Yeah.\n\nYeah. In the in the afternoon, around this time, like, the 03:30 mark. Yep. No. Cool.\n\nNot too dumb. You too. Yeah. I'm I'm done for the day. So I'm home, which is excellent.\n\nYeah. Not too easy. Thank you very much. No. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"I can invite.","start":1.1999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.05051857357223829},{"text":"Hello?","start":2.3999999,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.04379996657371521},{"text":"Yeah.","start":7.44,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.2493087351322174},{"text":"Good.","start":7.8399997,"end":8.08,"sentiment":"positive","sentiment_score":0.5127079486846924},{"text":"Thank you.","start":8.08,"end":8.4,"sentiment":"positive","sentiment_score":0.551621213555336}],"sentiment":"neutral","sentiment_score":0.2575768497772515,"num_words":8,"start":1.1999999,"end":8.4},{"sentences":[{"text":"Yourself?","start":8.4,"end":8.9,"sentiment":"positive","sentiment_score":0.4006966948509216},{"text":"No.","start":12.799999,"end":13.04,"sentiment":"neutral","sentiment_score":0.04128981754183769},{"text":"It's been very 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too.","start":2384.6,"end":2385.16,"sentiment":"neutral","sentiment_score":0.14862608909606934}],"sentiment":"neutral","sentiment_score":0.2700400481169874,"num_words":11,"start":2363.7551,"end":2385.16},{"sentences":[{"text":"Bye.","start":2385.16,"end":2385.66,"sentiment":"neutral","sentiment_score":0.08962982892990112}],"sentiment":"neutral","sentiment_score":0.08962982892990112,"num_words":1,"start":2385.16,"end":2385.66}]}}]}],"paragraphs":{"transcript":"\nChannel 1: I can invite. Hello?\n\nChannel 0: Hi, Travis. It's Dana from Oakley Financial. How are you this afternoon?\n\nChannel 1: Yeah. Good. Thank you. Yourself?\n\nChannel 0: I'm very well. Thank you. How's your day been so far?\n\nChannel 1: No. It's been very well.\n\nChannel 0: Oh,\n\nChannel 1: Just\n\nChannel 0: that's\n\nChannel 1: pulling up my mail too. Good.\n\nChannel 0: fantastic. I had you booked in to go through your annual review today. Is now still a good time there for you?\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: Fantastic. As part of the call, I normally do send through some annual review documents to you via email. Are you able to access your emails there at the moment? If you can't, it's okay.\n\nChannel 1: Yeah. No. I can.\n\nChannel 0: You can? Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Well, I send this one through. I'll get you to jump in if that's okay, and we'll pull them up and go through them together just so you can see what I'm talking about and go through them with me. Just sometimes makes\n\nChannel 1: Yep.\n\nChannel 0: it a little bit easier. That's all.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: There we go. Beautiful. I'll just press send on that one now.\n\nChannel 1: Who is it? Oh, she wants\n\nChannel 0: There\n\nChannel 1: to\n\nChannel 0: we\n\nChannel 1: pay.\n\nChannel 0: go.\n\nChannel 1: Yes. Sorry. I'm just putting you on speakerphone so I'm gonna put my emails.\n\nChannel 0: Yeah. You're\n\nChannel 1: Yeah.\n\nChannel 0: fine.\n\nChannel 1: You're\n\nChannel 0: That's\n\nChannel 1: fine.\n\nChannel 0: not a\n\nChannel 1: That's\n\nChannel 0: problem\n\nChannel 1: fine.\n\nChannel 0: at all.\n\nChannel 1: Alright. So is that one comes you've said that one, have you?\n\nChannel 0: Yeah. Should've come through from Odoo sign. It\n\nChannel 1: Yep.\n\nChannel 0: might take a second.\n\nChannel 1: Gotcha.\n\nChannel 0: I've just pressed send\n\nChannel 1: No. I've\n\nChannel 0: on\n\nChannel 1: got\n\nChannel 0: that\n\nChannel 1: it\n\nChannel 0: one\n\nChannel 1: now.\n\nChannel 0: there. You got it. Fantastic. When you open up the documents there, it does have a little sign button. We just ask you to press that button so you can go through to view the documents there.\n\nChannel 1: Yep.\n\nChannel 0: However, it will not ask you to sign anything until you've read them, until you're happy to do so, and you're welcome to go back and review them prior to signing the bottom of the documents there. Okay?\n\nChannel 1: Sure. Yeah. That's\n\nChannel 0: Excellent.\n\nChannel 1: fine.\n\nChannel 0: Beautiful. Now the first one that you'll see is your summary of superannuation and insurances. So the good thing last year was we were able to go back and consolidate things for you. So you do now just have your hub twenty four super account. It shows the balance in the account as of today.\n\nWe're sitting at a $169,905.43 there. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. Beautiful. With that one there, the next report, if you can scroll forward for me, is your performance report, and that sort of shows how all the investments have performed within the fund there. Travis, I did go back and have a bit of a look at those prior to the call just to sort of, have a look and see whether some advice and some things I would like to update for you to make your fund work a little bit better. So\n\nChannel 1: Okay.\n\nChannel 0: this year, I have noticed one of your investments sort of holding your portfolio back a little bit. So I do wanna go back and maybe do some switching out of those for you. Are you on that performance report, it should say performance with internal rate\n\nChannel 1: Yes.\n\nChannel 0: of return.\n\nChannel 1: I am.\n\nChannel 0: That's the one. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: You'll see the first on the first page that the top investments have been along Australian equities. If you look the second last line, is that it is showing that it is down. It's a negative figure because it's in brackets there.\n\nChannel 1: Okay.\n\nChannel 0: So it is holding your portfolio back a little bit this year. So I do wanna look at removing that one out. Now the main sort of issue with Van Along is that that was meant to be more of an actively managed fund within your portfolio there, and the investment manager within Bannalong is trying to outperform against the market. They are trying to pick investments and choose when to buy and sell into the market. They haven't been able to do that this year.\n\nThey've had some other underlying issues, which is causing them to have a bit of a downward trend. And, realistically, I would be wanting to keep them in there if the issue wasn't with the investment. If it was, say, the whole market, like Australian equity is really seeing a bit of a downtime, then it'd be worth sort of keeping that in your portfolio. However, if you look about four investments down, you've got the investment. The tick code is keywords.\n\nIt's the beta shares RAPI. That is essentially giving you exposure to Australian equities, and that investment's up by over 14.05%. So the fact that the Australian market and Australian equities as a whole is actually up, but then along is down,\n\nChannel 1: Daniel\n\nChannel 0: sort\n\nChannel 1: was\n\nChannel 0: of\n\nChannel 1: 20\n\nChannel 0: shows us\n\nChannel 1: eight.\n\nChannel 0: yeah. There's more of an issue within the fund there. So I do wanna do a bit of an investment switch and update the advice for you this year and look at removing that one out of the investments and replacing it with something else that's probably performing a little bit better. To be full disclosure with you, it does essentially mean that we are cementing that loss and we are removing that investment out,\n\nChannel 1: Okay.\n\nChannel 0: but I would rather cement the loss now and look at replacing it with something else that can gain that money back nice and quick for you rather than wait and see if it keeps dropping. So the\n\nChannel 1: Yeah.\n\nChannel 0: underlying\n\nChannel 1: Okay.\n\nChannel 0: issues that the underlying issues that investment has had are going to continue, so it is best to remove you out of that now if that makes sense. Does that\n\nChannel 1: Yeah.\n\nChannel 0: do you have any questions at all?\n\nChannel 1: No. It well, it makes sense. It would be nice to pick up on a a little bit earlier, essentially.\n\nChannel 0: So sorry. Did you have I've also got the phone cut out if you're still if\n\nChannel 1: Oh,\n\nChannel 0: you\n\nChannel 1: no.\n\nChannel 0: have\n\nChannel 1: That\n\nChannel 0: more\n\nChannel 1: that's alright.\n\nChannel 0: to that sentence. Sorry. You're right.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. I just said it, yeah, it\n\nChannel 0: And\n\nChannel 1: makes sense to cut losses, but it would have been nice to pick up on it earlier before the\n\nChannel 0: yeah.\n\nChannel 1: losses got so big.\n\nChannel 0: Yeah. And, look, honestly, it's not as big. It is 90% there, but it is showing, essentially, it's only down by about $3,000. So, realistically,\n\nChannel 1: Yeah.\n\nChannel 0: we are picking it up as much as possible, but it does essentially mean that out of all the clients, we are calling through everyone. So we are having to do it as part of the annual review process because I just don't have a yeah. Essentially, the time\n\nChannel 1: Yep.\n\nChannel 0: of the day to call through everyone and go, hey. We have to update this and do that. We essentially have to, in order to remove that from your portfolio,\n\nChannel 1: Yep.\n\nChannel 0: have this review, have a big conversation, and look at what to replace it with. We were trying to sort of find some approval to go through and do have, like, a big standard advice document to have things removed automatically from your portfolio. But in doing that, the compliance wasn't there, and it sort of meant that with any other changes in your life, that advice piece would be essentially not relevant to your circumstances. So it is\n\nChannel 1: Sure.\n\nChannel 0: essentially the best way to do it as per the annual review. The loss isn't as big as what it could have been if we had to sort of wait it down the track. And from when, Benelong has sort of seen that issue, which isn't that long ago. It's only really very recently that it sort of had that major dip. Majority of the year, it had actually been performing very well.\n\nIt's only probably in the last sort of two months that it's really seen that downtime that we're sort of noting at the moment. And so we're sort of trying to bring it to your attention as quickly as we possibly can. So I do\n\nChannel 1: Sure.\n\nChannel 0: understand where you're coming from there, though. Okay?\n\nChannel 1: Nah. Nah. Awesome.\n\nChannel 0: Easy. All good. What I sort of wanted to look at talking to you about was because you are still fairly young, you've got a lot of time ahead of you before you're wanting to access your super there. One of the goals we were sort of looking at was accessing your super, essentially, around about the age of 60. Is that still your goal for when you're wanting to access super?\n\nChannel 1: Yeah. Look. At the moment, yeah, things is about right. Younger\n\nChannel 0: Yep.\n\nChannel 1: if possible, or if\n\nChannel 0: Yep.\n\nChannel 1: if there's nothing there, but, yeah, it's\n\nChannel 0: Yep.\n\nChannel 1: sort\n\nChannel 0: So\n\nChannel 1: of hard\n\nChannel 0: at\n\nChannel 1: to judge at the moment.\n\nChannel 0: no. That's okay. So at the moment, under the current legislation, the earliest you're able to access super is the age of 60.\n\nChannel 1: Sure.\n\nChannel 0: If you are wanting to look at sort of building wealth outside of super and or in other ways to be able to retire earlier, we can certainly help in that area and sort of look at ways to do that. But the earliest under the current legislation is sixty sixty if you fully retire to access your suit for that.\n\nChannel 1: Okay.\n\nChannel 0: In saying that if they do happen to reduce the age, I'll be the first to let you know. We'll make\n\nChannel 1: Okay.\n\nChannel 0: sure that you're aware of that. So\n\nChannel 1: Excellent.\n\nChannel 0: I'll note down here that we are looking at 60. So, realistically, you do have over twenty years before you're able to access your super at this sort of point in time. We have a couple of options for how we can sort of look to replace that investment option for you. So that is more of an actively managed fund within your SOFA there. We can look at replacing that with another active manager if you would like to.\n\nRealistically, having an active manager in your portfolio means that they they can and sometimes do outperform against the market and provide greater returns. You do tend to pay a little bit more in investment fees in order to have an active manager in your portfolio. Or if you wanted me to sort of focus on the fee component, I could always look at swapping it with something that's just a bit more low cost and less actively managed to sort of you know, when you think about passively invested funds, often over time, they outperform active managers and actually do a lot better. Is there sort of a preference to how you would like to see your investment structured, or what would you like to sort of see?\n\nChannel 1: I'm not yeah. I'm I'm not too sure. Like, I'm sort of putting my faith in you guys.\n\nChannel 0: Yeah. That's fine. If you're not really sure, I can sort of look at the two different options, look at the overall cost of replacing the investment. I would like to just go back and review your all your investments and your super to make sure everything\n\nChannel 1: Service.\n\nChannel 0: is working and maybe switch out anything else that might be underperforming there as well. You'll also sort of notice if you're looking at that report there, the Van Dyck property, that one is also sort of underperforming a little bit at\n\nChannel 1: Yeah.\n\nChannel 0: the moment as well. And, again,\n\nChannel 1: Yep.\n\nChannel 0: that has only been very recently. There's been some structural changes within the government and within the legislation around property and investments and things like that. So that has very recently affected that investment as well. So I would probably like to maybe go and look at whether and assess whether that's an appropriate investment within your super fund. It's also\n\nChannel 1: Yep.\n\nChannel 0: kind of important to note that over time, investments that went in your super fund a couple of years back might have been appropriate back then. But over time, they can perform well and then perform not so great as well. So things that I move you into now, we'll keep reviewing down the track because in two, three, or even five years' time, some of those investments might be underperforming and need to be removed out there for you.\n\nChannel 1: Yeah.\n\nChannel 0: So, there there's always gonna be those ups and downs, but I do wanted to and had a look at this beforehand and definitely wanna update the advice for you, look at where we're tracking, and maybe switch out some of these to make sure I can hopefully lower some investment fees for you to lower the cost of your overall portfolio, but also look at what's been performing really well and what has greater potential down the track. Does that make sense? And do you have any questions?\n\nChannel 1: No. That's all my consent. That that sounds\n\nChannel 0: That's\n\nChannel 1: good.\n\nChannel 0: all good. Yeah. Yeah. Beautiful. Excellent.\n\nI did have a really good review of things beforehand. So I definitely had some advice that I wanted to come into the call to let you know I wanted to make for you, which is good.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: It sounds\n\nChannel 0: real\n\nChannel 1: like you're you're all over it.\n\nChannel 0: thank you.\n\nChannel 1: Yeah.\n\nChannel 0: Essentially, everything else, if you look at that same report, is the has been performing\n\nChannel 1: Yeah.\n\nChannel 0: really well. So your bank hybrids, they are more defensive in nature. I will probably look to remove them out of there as well just because down the track, the government will be removing or requesting that they're phasing out that investment, essentially. So we'll look to maybe replace that while we're going. And any changes that we feel, we should probably make it a short term.\n\nWe'll try to all make it once. That way, we can allow your portfolio time to recover, rebuild, and kinda grow from there. How does that sound?\n\nChannel 1: Yep. That\n\nChannel 0: Yep.\n\nChannel 1: sounds good. It looks like\n\nChannel 0: Beautiful.\n\nChannel 1: that ACDC one is performing very nicely.\n\nChannel 0: Yeah. Yeah. Absolutely. So your your battery and lithium tech has done very,\n\nChannel 1: Yeah.\n\nChannel 0: very nicely, one of the highest performance there. Cybersecurity also is up. You're up over 18% growth for that as well.\n\nChannel 1: Yeah.\n\nChannel 0: And your your keywords, so that's your beta shares, Ravi, so giving you exposure to some of the, you know, top 200 companies on the ASX, the Australian Equities, and that's still performing by 14.05%. So everything\n\nChannel 1: Yep.\n\nChannel 0: else is doing really, really well. Overall, your portfolio is up, so the performances the investments that have performed better or well have actually outperformed what the ones are that are down, so your VanEck property and your VanEalong investments. But we just wanna make sure that we re reassess things regularly and keep them working harder for you. Okay?\n\nChannel 1: Yeah. So what's the\n\nChannel 0: Excellent.\n\nChannel 1: so the average, it's 4.6% overall for the.\n\nChannel 0: So, yeah, your portfolio net of fees, so after all fees have been taken into account, it's up by 4.63%. So, realistically, that is a bit lower to where I would like your portfolio to be. However,\n\nChannel 1: Yeah.\n\nChannel 0: it is a it is still a positive return for the year. When I sorta have a look so I did kinda go back and look at from inception to sorta look at how it's been tracking. And from inception, you've essentially seen a little over it's 18.23% over the past two years total since you've come on board. So when you\n\nChannel 1: So\n\nChannel 0: kinda\n\nChannel 1: that's\n\nChannel 0: break that\n\nChannel 1: that\n\nChannel 0: down yeah.\n\nChannel 1: is that including, obviously, super contributions from my employer?\n\nChannel 0: No. So that's a good thing. That's a factoring in just\n\nChannel 1: Okay.\n\nChannel 0: the growth. So the growth of the income within the portfolio are contributions that go in there or considered a capital. And so the rate of return looks at the growth and the income that's being generated from the portfolio solely over the past two years and with this\n\nChannel 1: Yep.\n\nChannel 0: report over the past two months there. So while you're seeing that this last twelve months of 4.63, it essentially shows the growth of the sorry. The net earnings for the year as the growth in the earnings is $10,335. You've made over $10,000 in the portfolio, which is good because last year, we kind of had those last few changes and the consolidation made there as well. So there has been a lot happening with the with the portfolio with the super fund.\n\nI'm definitely noting that this return is a lot lower than where I would like it to be given the sort of portfolio that you're in, but we just wanna make changes and keep it working harder so we can kinda get it going for you. The\n\nChannel 1: Yeah.\n\nChannel 0: other thing I kinda mentioned is I sort of also pulled up a report from inception, which kinda shows what you've made since you came on board originally from the last so you came on board around 2024 there. And in the last sort of two years, you've made about nine\n\nChannel 1: Not.\n\nChannel 0: sorry. 18.23%. That's from inception to now. When we average that over the past two years, it's averaged about a 9.11%. So, realistically,\n\nChannel 1: Okay.\n\nChannel 0: your portfolio is still working. It is doing what it needs to. It is doing well. It's just that over the when you break it down to per year, the return, this is a little bit lower, and it kinda shows that we need to move some of those investments out and replace them for you. And I definitely wanna get\n\nChannel 1: Okay.\n\nChannel 0: that done nice and quickly for you. Okay?\n\nChannel 1: Yep. Is there a do you guys do, like, a biannual report instead of a yearly report just in case, like, we start getting\n\nChannel 0: Yeah.\n\nChannel 1: underperforming?\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah?\n\nChannel 0: It is one thing that we sort of wanted to do, and I know with the going to the advice last year, it kinda made it a little bit harder. But moving forward, I'd love to do another catch up with you in about six months. So\n\nChannel 1: Yep.\n\nChannel 0: that would bring us up to February so we can have a look at it biannually. We'll go through, update the advice now to make some changes to your investments. And then come February, we can have another sort of biannual catch up look at how that's been taken into effect for you and whether we need to make more changes or whether we're good just to kinda go for the next six months there. That way, you do get those catch ups on more of a regular basis. Does that sound okay?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. And if in the meantime, like, in between that six months period, you want additional updates on what the portfolio has done or reports and things like that, you're welcome to let me know. I can always generate ad hoc reports and send them through to you and give you updates as you need them as well. You don't have to wait for the calls to come through.\n\nDoes that sound\n\nChannel 1: Okay.\n\nChannel 0: okay?\n\nChannel 1: Yes.\n\nChannel 0: Yeah? Yeah. Beautiful. Sort of setting up a bit more of a process now to move forward and kind of make sure those biannual catch ups actually happen, and making sure that I'm able to give you those extra reports when you need them as well. So if you wanted something ad hoc, you can let me know, and I'll make sure I generate it nice and quick and get it to you and give you an explanation around it for you.\n\nOkay?\n\nChannel 1: Yeah. Excellent.\n\nChannel 0: Excellent. Beautiful. Fantastic. Now on that first page, if you kinda go back a little bit there, essentially, the other side of things we wanted to talk about was the insurances. So we have the insurances placed in force last year there.\n\nYou still do have the two exclusions. So we have and I'm gonna say this wrong. I I'm sorry about that. It's the eff epididymis exclusion, and we also have the lumbosacral spine exclusion. I know\n\nChannel 1: Yes.\n\nChannel 0: one of the things we talked about was trying to review those as soon as we possibly can. My admin team member's been on the phone for the past half an hour with Clearview trying to work out when and if those can be reviewed\n\nChannel 1: Yeah.\n\nChannel 0: to work out when we're able to have look at reviewing those to have those removed there for you. So as soon as she knows what that is, she'll let me know. Hopefully, it's part of the call, and I'll be able to let you know what they are requesting and how we can have that looked at. But as soon as we're able to review those, if they are reviewable, then we'll definitely go ahead and look at that for you. Okay?\n\nChannel 1: Yeah. Sure. That's right. Well,\n\nChannel 0: Excellent.\n\nChannel 1: I'm having no issues. So I'm not actually that concerned that they're not included.\n\nChannel 0: No. That's okay. My main thing is the back exclusion. I mean, the epididymis is probably less less of a concern. But\n\nChannel 1: Yeah.\n\nChannel 0: the back exclusion, realistically, for me is something I would like to have reviewed as early as possible because your lumbar sacral is kind of your lower back. And if\n\nChannel 1: Yeah.\n\nChannel 0: you think about your lower back, there's a lot more problems that can come from that. Correct. Correct. So it is something I would like to try and have removed as soon as possibly, especially if you're in that construction industry. The likelihood of you having to make a claim on your income protection and or TBD for those sorts of things is a lot higher.\n\nSo as soon as we are able to have that looked at and hopefully removed, we do wanna go ahead and do that for you just so you have, obviously, a higher chance of being able to claim, especially for those sorts of issues. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. I wanted to just also touch on the level of cover there. So you'll see the ClearView policy on the first page on the summary of superannuation insurances. Your life cover\n\nChannel 1: Yep.\n\nChannel 0: and your TBD there, you have a level of cover of 1,232,000. Thinking about life cover to start with, so if you were to pass away today, the life cover pays out that sum insured, but then your super is also paid out onto on top of that. Noting you probably want that all paid to Charlene so that she can, you know, cover any of the bills and debts and things and look after\n\nChannel 1: Yeah.\n\nChannel 0: the family moving forward. Just double checking, your main primary residence there, the mortgage we had noted was about 375,000. What do you owe on that now?\n\nChannel 1: It's we've actually borrowed against it again. It's about 450, 460.\n\nChannel 0: Okay. So, say, $4.60. Perfect. So if we looked at that level of cover, just to sort of show you what that might cover based on your current circumstances. $90.05.\n\nIt's a little over 1,400,000 there, and then we subtract, I'll say, 460,000 for sorry. It won't be one second. Just trying to get my calculator to work for me. It essentially leaves around about 940,000. So if you sort of looked at the life cover plus your super being paid out, covering the mortgage to leave your family completely debt free, and then with the 940,000 roughly left over, your income we have was a 130 k.\n\nAre you still on that same income, or have you had\n\nChannel 1: Yeah.\n\nChannel 0: a pay rise?\n\nChannel 1: It's a bit 135, so it's\n\nChannel 0: 100\n\nChannel 1: about\n\nChannel 0: and\n\nChannel 1: the same.\n\nChannel 0: 35. Yep. Beautiful. So then if we divided the leftover money, the 940,000, by your current income, essentially means that they could replace your income for around about sort of seven years, essentially. Do you feel like\n\nChannel 1: Yeah.\n\nChannel 0: that level of cover for life is still fairly appropriate?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Beautiful. With the TBD component, you still have the same level of cover there as well. And, again, if you are TPD ed or unable to go back to work, we can also look to claim on your super to have that a little bit released as well. Are you fairly happy with that TPD level?\n\nChannel 1: Yeah. That's plenty at the moment. I'm not planning\n\nChannel 0: Yep.\n\nChannel 1: on going anytime soon.\n\nChannel 0: I certainly hope not. Very morbid conversation to have, but I wanna see you get to retirement there, Travis, and then enjoy it. You work way too hard to not.\n\nChannel 1: Yeah. No. I think you're good.\n\nChannel 0: Oh, good. With the income protection side of things, you've got a monthly insured benefit of 6,801 on a sixty day waiting and a age 65 benefit period. So we kinda talked about that to give you the best possible benefit in the event of claiming. You're still fairly comfortable with the level of cover you have there, the waiting in the benefit period that we sort\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: Yeah.\n\nChannel 0: went\n\nChannel 1: That\n\nChannel 0: with?\n\nChannel 1: that's fine.\n\nChannel 0: Yep. Beautiful. I'm just sort of checking because your income's gone up a little bit just to sort of see. 135. Yeah.\n\nSo it does look like you're slightly underinsured based on your current income there, but with Charlene working and everything, does that monthly benefit sort of cover expenses, say?\n\nChannel 1: Yeah. That'll definitely cover everything because there's no there'll\n\nChannel 0: Yep.\n\nChannel 1: be no fuel cost. No. Nothing else.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. Excellent. So, essentially, with the insurance cost, they'll keep reviewing it with you as we kinda go through and review everything each year.\n\nChannel 1: Yep.\n\nChannel 0: These will get more expensive over time. So one of the things we did talked about is they are stepped premium. So it does essentially mean that every year, the policy goes through renewal. There are slight increases in the actual the amount you are insured for, which is great, but it also means the insurances are gonna get more and more expensive over time. So for\n\nChannel 1: Yep.\n\nChannel 0: this year, you've paid $5,342.28 for the policy. That's how much has come out of your super fund for the year. That will increase next year. So we'll make sure to review that when the time comes. And if we need to maybe adjust the cover, reduce it back a little bit, or alter it, we'll look to do that with you.\n\nOkay?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. You will see on that policy that the 6,285, the top amount, that is how much the insurer has actually received for the premium, but you've got a bit of a 15% discount on that due to the taxation consequences in Super. So you've only paid the 5,342.\n\nChannel 1: Okay.\n\nChannel 0: So you got a little bit of a discount there just to note the difference in the two premiums. Okay?\n\nChannel 1: Yep. Awesome.\n\nChannel 0: Excellent. Do you have any questions at the moment? You're welcome to let me know if you need me to kinda break anything down or if any additional questions come out of things at all.\n\nChannel 1: No. The Clearview. That's all fine.\n\nChannel 0: It's okay. Yeah. Beautiful. Fantastic. If you scroll down past that, hub twenty four report, the next one is the Vanguard index chart.\n\nChannel 1: Good.\n\nChannel 0: This one\n\nChannel 1: I'm looking\n\nChannel 0: here is\n\nChannel 1: at that.\n\nChannel 0: more of a bit of a guide. Sort of shows you how investments work over time and why we invest the way we do. So with your portfolio, you're in that growth environment at the moment, which essentially sees 80% of your super invested in growth assets. So think about things like, if you're looking at that chart there, it's essentially things like US shares, Australian shares, international shares, and listed property as well. So those are growth assets.\n\nAnd those are the ones that over the course of time tend to get us a much greater level of return or greater growth to make us super work harder. However, we do understand they expect that they don't always work the way we want them to, and there are some ups and downs that definitely go with that. So being 80% invested in those growth assets does come with the downtimes, and it's about making sure that you're invested in a portfolio that can go through those downtimes, allow your super to recover back, and then grow and build on that before you're actually wanting to retire. So that growth kind of environment you're in at the moment suits someone who's not accessing super for the next sort of six years. When you're you've got a lot longer than that ahead of you at the moment.\n\nSo if and when you get to, you know, your mid fifties, the conversation will be very different where I'll be, you know, talking about reducing risk and looking at, you know, moving into more of a conservative portfolio. But for the time being, that generally suits your time horizon. We would normally see someone of your age sitting in that gross to high growth area. And then when you sorta hit your mid fifties and you're about, you know, five to six years out, we sort of look at starting to reduce that risk level a bit for you there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Do you have any questions about the risk profile about, you know, investing or that chart there at all?\n\nChannel 1: Not a trust fund.\n\nChannel 0: No. It's beautiful. It's just a bit of a visual we tend to like to put in there. A lot of people just find it easier to sort of have that visual aid to help them along with understanding the investment aspects, which is kinda cool as well because you can see where the dips hit, who was in\n\nChannel 1: Yeah.\n\nChannel 0: power\n\nChannel 1: You can\n\nChannel 0: when,\n\nChannel 1: say who was in\n\nChannel 0: and\n\nChannel 1: power\n\nChannel 0: what\n\nChannel 1: and\n\nChannel 0: the\n\nChannel 1: all\n\nChannel 0: dips\n\nChannel 1: that. Yeah.\n\nChannel 0: were, yeah,\n\nChannel 1: Yep.\n\nChannel 0: which is kind of cool as\n\nChannel 1: Yeah.\n\nChannel 0: well.\n\nChannel 1: No. It's it's a cool cool chat.\n\nChannel 0: Excellent. If you scroll on to the next document for me, you've got your certificate of currency there, which goes through the policy that you do have currently in a little bit more detail as we have definitely gone through. This is provided to you every year at renewal, and it looks like it's due to go through renewal in about October for you there as well. Okay.\n\nChannel 1: Yep. I've actually got a letter from Clearview. They're talking about a 10% discount\n\nChannel 0: Yep.\n\nChannel 1: on health and rewards program, so I've gotta have a look at that at some stage.\n\nChannel 0: Beautiful. If this that's the one I'm thinking about. It's probably they're gonna ask you to do a little bit of a survey. And if you answer\n\nChannel 1: Yep.\n\nChannel 0: the survey correctly, then you qualify for that discount. It's definitely worth doing because I honestly, my insurance is through ClearView as well, and I do that every year. And it's\n\nChannel 1: Okay. Cool.\n\nChannel 0: definitely worth doing to get that little bit. That 10% can make a little bit of a difference on your policy premium. So\n\nChannel 1: Yeah.\n\nChannel 0: it is worth doing. Yeah.\n\nChannel 1: Nice.\n\nChannel 0: All\n\nChannel 1: Cool.\n\nChannel 0: good. The next document along is the financial services\n\nChannel 1: Okay.\n\nChannel 0: guide. This one here is a pretty boring, arduous document. It tends to just run you through everything about who we are, what we do, and how we do it. It has a lovely picture of me in there for you as well and has\n\nChannel 1: Yeah.\n\nChannel 0: all my licensing information as a licensed adviser for you. I always tell everyone if you have trouble sleeping one night, feel free to whip that one out and have a bit of a a read. It'll knock you out cold in a few seconds. I can guarantee that.\n\nChannel 1: No.\n\nChannel 0: These sorts of documents are that boring, but it is kinda kinda cool to see who you're talking to, and that we are licensed advisers and putting all of that information in the forefront for you as well. Okay?\n\nChannel 1: Cool.\n\nChannel 0: Excellent. The next document along is your ongoing service agreement for the next twelve months there. So down the checkout, ongoing service fees will change a little bit, but for the moment, it's not. You and your Charlene are both onboard as 1.10%. We are keeping it that way.\n\nEssentially, that's the 1.10% on a yearly basis, and then it's deducted in smaller monthly increments out of your sofa. And that's our coupling fee as well. So it is reduced from our current fee structure of 1.65% there. So if you're happy to stay on board, I'll get you to sign and return that back there for me, and that allows me to keep updating the advice, providing ongoing services for you. And there's no other charge for the advice that I'm gonna provide to you with regards to the super, the insurances, and and updating your portfolio, that is all inclusive of this service fee for you.\n\nOkay?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Easy. Do you have any questions about any of those documents? Does anything kinda come to mind that you might like me to answer for you? Or\n\nChannel 1: No. I think that's been pretty informative. We've gone\n\nChannel 0: Yeah.\n\nChannel 1: through a lot of it.\n\nChannel 0: Beautiful.\n\nChannel 1: The\n\nChannel 0: Beautiful.\n\nChannel 1: market does what\n\nChannel 0: Sorry.\n\nChannel 1: market does and yeah.\n\nChannel 0: Yeah. No. Definitely. I do like to sort of note what what the markets are doing. But also note and, look, I will be honest with you.\n\nIf there's an investment that needs to be removed out of your portfolio, if you're not performing if it's not performing the way we sort of hope it will be, I will be at the forefront in telling you that it's not performing correctly and why. I'll have a look\n\nChannel 1: Yep.\n\nChannel 0: at what's happening, whether we can fix that If the market is just down because the market is just down, that is just a a time that happens. And I will stand in front of that and say, hey. Look. I understand this is occurring. I'll be really honest with you no matter what.\n\nBut for now, the fact that Benelon has kinda come down, I would love to have kinda gotten everyone out of it a little bit earlier, but it's it's isn't realistically possible to do so without kinda going through and reviewing all of these circumstances to make sure my advice is appropriate. But it's also not down as much as what it could definitely be. So I am happy that we are moving you out of that now, and the loss is very minimal compared to, you know, other investments or if you had a higher balance in in your super there. So\n\nChannel 1: Yeah.\n\nChannel 0: more than\n\nChannel 1: Are\n\nChannel 0: happy\n\nChannel 1: you\n\nChannel 0: to sort of get that replaced for you. So sorry.\n\nChannel 1: yeah.\n\nChannel 0: You're right.\n\nChannel 1: No. I was gonna say, are you expecting a bounce back with Benelung? Or\n\nChannel 0: No. Definitely not. No. Not\n\nChannel 1: okay.\n\nChannel 0: with the issues\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: they\n\nChannel 0: they're\n\nChannel 1: they\n\nChannel 0: actually having. Yeah. Yeah.\n\nChannel 1: okay.\n\nChannel 0: Not with the not with the issues that they're definitely having. There is a lot of selling off going on, and it's only gonna get greater as that occurs. There may be a chance that they come back and and rebound from that, but I do not see it happening in the future in the near future. And I think the risk of you seeing greater losses is higher down the track. So I think removing that now is the way to go for you.\n\nOkay?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. Beautiful. So that's the center of those documents there. So once you've kind of gone through and you're welcome to go through them, we do ask that you sign and return those back just so we can kinda keep looking after everything for you.\n\nChannel 1: Yep.\n\nChannel 0: With with your risk profile, so, realistically, you as I kinda went to you in that growth environment there, you've got that eighty twenty split side of things. Are you fairly comfortable with that? Did you wanna kinda go back and review the risk profile, or you're happy you kinda stay in that environment for another year?\n\nChannel 1: No. Happy to go for the for another year, definitely.\n\nChannel 0: Yep. Yeah. Beautiful.\n\nChannel 1: I think,\n\nChannel 0: I\n\nChannel 1: yeah,\n\nChannel 0: can\n\nChannel 1: another\n\nChannel 0: safely\n\nChannel 1: another couple of years of, yeah, a slightly more\n\nChannel 0: yeah.\n\nChannel 1: risk. It's yeah.\n\nChannel 0: Build\n\nChannel 1: They\n\nChannel 0: on\n\nChannel 1: might\n\nChannel 0: that.\n\nChannel 1: bankrupt\n\nChannel 0: Yeah.\n\nChannel 1: a bit more.\n\nChannel 0: Absolutely.\n\nChannel 1: Okay.\n\nChannel 0: No. Perfect. Not a problem at all. And you've kind of mentioned to me that your income's up to about 135,000 there at the moment as well.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. Are you how do you\n\nChannel 1: Okay.\n\nChannel 0: extend it to within the family? I know I sent through that strategy paper a few months back with regards the cash flow and budgeting side of things. How did that go? Did you happen to implement much of that, or did you get the debts\n\nChannel 1: Yeah.\n\nChannel 0: paid\n\nChannel 1: No.\n\nChannel 0: down\n\nChannel 1: We've\n\nChannel 0: faster?\n\nChannel 1: yeah. We we mortgaged, so we're saving a bit on that. We ought to also got a top up. So we're building a deck at the back. That's starting on Thursday,\n\nChannel 0: That's right. Yep. Beautiful.\n\nChannel 1: which is fantastic.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, we've, yeah, got a couple $100 left in our pocket at the end\n\nChannel 0: Perfect.\n\nChannel 1: of the week sort of thing, which is good.\n\nChannel 0: Oh, fantastic. If you sort of quantify that extra funds left in your pocket per week, how much would you say you're able to sort of save or are left over with?\n\nChannel 1: It'd be 2 to 2 to 300, depends on what we we do during the week.\n\nChannel 0: Yep. Beautiful. And\n\nChannel 1: Yeah.\n\nChannel 0: you just have that sort of short term debt that you were paying off as part of the cash on budgeting side of things. Did that all get paid off? Is that all completed now, or do you still\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: That's\n\nChannel 0: that loan?\n\nChannel 1: that's all now we've we've completed all that. We did throw end\n\nChannel 0: Welcome.\n\nChannel 1: up putting a little bit onto the during the refinance or the ZIP or whatever\n\nChannel 0: Yep.\n\nChannel 1: it was,\n\nChannel 0: Yep.\n\nChannel 1: but that just freed up the, yeah, the rest of the weekly wage.\n\nChannel 0: Beautiful. Oh, that's\n\nChannel 1: Yeah.\n\nChannel 0: fantastic.\n\nChannel 1: No.\n\nChannel 0: It's\n\nChannel 1: That's\n\nChannel 0: always\n\nChannel 1: worked\n\nChannel 0: one\n\nChannel 1: out really\n\nChannel 0: less\n\nChannel 1: well.\n\nChannel 0: that makes a big difference. Yeah. Fantastic.\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: I'm glad to hear that went well. Excellent.\n\nChannel 1: Yeah. No. I appreciate that.\n\nChannel 0: Yeah. No. That's okay. That's what we're here for, honestly. When we sort of look at additional contributions into super and things like that, are you open to maybe looking at salary sacrifice, or are you sorta hoping to not right now focusing on the deck and all the other expenses you've got going on?\n\nChannel 1: Potentially, maybe next year. I might\n\nChannel 0: Mhmm.\n\nChannel 1: look at doing a little bit of salary sacrifice, but not at the moment.\n\nChannel 0: Yep. No. That's okay. That's absolutely\n\nChannel 1: Yeah.\n\nChannel 0: fine. I'll note it down as something that we can kinda consider as a future consideration and a future goal that we can talk about in more detail there. That's absolutely fine. Excellent. I've also got other assets down here.\n\nSo your Ford Everest asset value on that last year was about 60,000. Is that sort of gone up or down in value, or what would you value\n\nChannel 1: It\n\nChannel 0: that\n\nChannel 1: it would\n\nChannel 0: at now?\n\nChannel 1: have gone it would have depreciated for a couple of thousand, not a not a shame.\n\nChannel 0: Yeah. Would you say sort of 55 or\n\nChannel 1: Yeah. 50 five to 50 around\n\nChannel 0: yep.\n\nChannel 1: that mark. I'm not I wouldn't know a 100.\n\nChannel 0: No. That's okay. That's not a problem at all. And any that's owned completely debt free, that vehicle as well?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. And then I've also got contents down here, rough valuation about 100,000. Would you keep that about the same? Or\n\nChannel 1: Yeah. At the moment, keep it the same. We will be getting some, well, adult kitchen and some patio furniture, which we'll put up a little bit, but, yeah,\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: but that's not not just yet.\n\nChannel 0: Yeah. No. That's okay. Not a problem at all. And any other assets or liabilities that you would sorta note down here at all?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. Beautiful. I've got down here now having a look back, estate planning wise, I've got that you haven't had a will and power of attorney done. Have yourself and Charlene sort of talked about doing up a will, power of attorney, things like that?\n\nChannel 1: We have spoken about it. We just haven't done it.\n\nChannel 0: Okay. Beautiful. That's okay. It is definitely worth sort of looking at doing those sorts of things, especially with your house, your property, things like that. We obviously have your beneficiary nominations on file and make sure your beneficiaries are applied and up to date, but that covers your life insurance and your super.\n\nSo we do like to just make sure that we're reiterating the importance of having a will power of attorney speaking to a solicitor if you've got one. We can always refer you to our local solicitor here if you wanted to do that. The other option is if you have a look, every state and territory also has, like, the a local trustee or a government trustee who can do at will. Some states do them for free as well, so it can be more cost effective. And the wills are done up by solicitors and lawyers.\n\nIt's just that they try to make it to, you know, help people to get a will in place who may not be able to afford to. And I could always if you wanted me to, I could always email through after the call some information on your local trust fee. That way, you've kinda got that as a bit of a talking point if you wanted me to.\n\nChannel 1: Yeah. That'd be great if you can.\n\nChannel 0: Yep. Beautiful. Excellent. And they can also help with guardianship and things like that as well because I know you guys have kids. So doing up,\n\nChannel 1: Yep.\n\nChannel 0: you know, guardianship to sort of protect them if anything happened to the the two of you is also kind of important there as well.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's fine.\n\nChannel 0: Excellent. Beautiful. Other than that, it looks like we've got pretty much everything going well. I've got down here that we'll look at, obviously, accessing super at age 60 at the moment. If you did wanna down the track look at, you know, wealth outside of super, let me know.\n\nWe can definitely talk about that and look at, you know, how you might be able to retire a bit earlier. With the advice, just to kind of recap, make sure I'm on I've got everything down for you, we'll retain your insurances as they are. You're fairly happy with them at the moment. You don't have any trauma or child trauma or anything out of pocket. Did you wanna kinda look at, you know, in-depth more insurances like trauma and child trauma at all?\n\nAre you sort of happy with just the cover you've got?\n\nChannel 1: No. That that's fine. It's sample.\n\nChannel 0: That's okay. Beautiful. Excellent. I'll look at the super. I'll reevaluate the portfolio, keeping you in that growth environment there.\n\nLook at swapping out any investments that are underperforming. Look at maybe lower cost investments in the portfolio that's working harder as well, and we'll look at that and how it affects you over the next five to ten years. Does that sound okay? Have I kind of missed anything, or is there anything else that you kinda wanted to flag for me to look at for you?\n\nChannel 1: No. I think that's that's\n\nChannel 0: No?\n\nChannel 1: pretty good at the moment. Yeah.\n\nChannel 0: Yes. Beautiful. All good. Samantha did come back to me. She said that Clearview won't let us review the won't let us review the exclusions yet.\n\nWe'll get a bit more detail from them soon, hopefully. When they do let us review those exclusions, if they do, then we'll definitely make sure we take care of that with you. But,\n\nChannel 1: I'm\n\nChannel 0: unfortunately, I've said\n\nChannel 1: I'm\n\nChannel 0: not\n\nChannel 1: assuming\n\nChannel 0: quite.\n\nChannel 1: they're gonna I'm assuming that it's gonna say it's a a blanket exclusion.\n\nChannel 0: They'll try. They'll try.\n\nChannel 1: Yes.\n\nChannel 0: But there'll come a point where we were able to to look at that. If not, we can always look down the track to see if there's another you can ensure that we'll, you know, you know, try to provide the same level of cover without having those exclusions on file. So\n\nChannel 1: Yeah.\n\nChannel 0: we'll we'll keep trying. Every year, it's worth reviewing. It's something that I promised you I\n\nChannel 1: Yep.\n\nChannel 0: would do each year, so I will make sure I do so every year with you and when and if we're able to. Or if they won't come to the party, we'll look at another insurer for you as well. So\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: Cool.\n\nChannel 0: do\n\nChannel 1: Or\n\nChannel 0: always\n\nChannel 1: even\n\nChannel 0: have\n\nChannel 1: just\n\nChannel 0: some options. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Sorry.\n\nChannel 1: Even just trying to find out whether, you know, it will have a review date or whether\n\nChannel 0: Yep.\n\nChannel 1: it's in a blanket ban.\n\nChannel 0: Yeah. Absolutely. I think with the epididymis one, that's probably more of a blanket one. Normally,\n\nChannel 1: Yep.\n\nChannel 0: with back, depending on the outcome, they often do let you review it. Sometimes it's within one to two years. Sometimes they make you sort of hold off about three to four years, but we'll keep working with Clearview each year. Looks like this year, we've only sort of had it for twelve months, so they're sort of saying not yet. We'll\n\nChannel 1: Yeah.\n\nChannel 0: just keep kinda reviewing things with them each year. And as long as you've had no ongoing pain, no problems, not having any symptoms or anything like that, there should come a point where they are willing to come to the party and help us out. If they're not, I'll look at other insurers and see what else I can do for you. So we do have other options down the track that I'm willing to explore to help you out. Okay?\n\nChannel 1: Sure. Not all\n\nChannel 0: Easy. I wanted to make sure as well that I do have\n\nChannel 1: good.\n\nChannel 0: you booked in for your advice presentation once we've got that research done. It doesn't take too long to do so. I can, if you're comfortable, rebook you in for that now. Would that be okay?\n\nChannel 1: Yes, ma'am.\n\nChannel 0: Yep. Beautiful. So it probably takes, I reckon, about two weeks to do so. So I can have everything kinda done for you the week of the September 7. It's about\n\nChannel 1: Yeah.\n\nChannel 0: two weeks away. Is there a day or an afternoon that sort of suits you best to kinda go through the updated advice?\n\nChannel 1: Probably on a Wednesday\n\nChannel 0: Yep.\n\nChannel 1: would be\n\nChannel 0: Beautiful.\n\nChannel 1: best. Yeah.\n\nChannel 0: And sort of afternoon or morning?\n\nChannel 1: Yeah. In the in the afternoon, around this time, like, the 03:30 mark.\n\nChannel 0: Yep. Yep. Perfect. I do have 03:30 available on the Wednesday, September 9 for you. So I'll pop\n\nChannel 1: Yep.\n\nChannel 0: that in there. I'll add a little text message reminder so it sends you a message to let you know. I'll get stuck into the research to remove Bandalong and any other investments we maybe need to remove for you. We'll get that advice out to you nice and quickly in that two weeks on the ninth. We'll go through it, and then you can sort of see what I'm recommending, how and why the advantages, disadvantages, and the risks involved then.\n\nHow does that sound?\n\nChannel 1: No. Cool.\n\nChannel 0: Yeah. Beautiful. Thank you so much for this afternoon, Travis. I hope you\n\nChannel 1: Not\n\nChannel 0: have\n\nChannel 1: too\n\nChannel 0: a lovely\n\nChannel 1: dumb.\n\nChannel 0: afternoon. Are you\n\nChannel 1: You\n\nChannel 0: done\n\nChannel 1: too.\n\nChannel 0: for the day? Or thank\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: I'm I'm done for the day.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Beautiful.\n\nChannel 1: I'm home,\n\nChannel 0: Well,\n\nChannel 1: which\n\nChannel 0: you\n\nChannel 1: is excellent.\n\nChannel 0: nice. You get to put your feet up and relax.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Well, thank you so much for taking my call. I'll get stuck into this research. Just update your advice and keep working forward towards your goals. I'm looking forward to being a part of all of this and working towards your retirement.\n\nAnd if there's anything you need in the meantime, please let\n\nChannel 1: Not too easy. Thank you very much.\n\nChannel 0: me know. Okay? My pleasure. Enjoy your afternoon. Thanks, Travis.\n\nChannel 1: No. You too. Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"I can invite.","start":1.1999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.05051857357223829},{"text":"Hello?","start":2.3999999,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.04379996657371521}],"sentiment":"neutral","sentiment_score":0.04883892182260752,"channel":1,"num_words":4,"start":1.1999999,"end":2.8999999},{"sentences":[{"text":"Hi, Travis.","start":3.6,"end":4.24,"sentiment":"neutral","sentiment_score":0.12214571982622147},{"text":"It's Dana from Oakley Financial.","start":4.24,"end":5.94,"sentiment":"neutral","sentiment_score":0.16103878915309905},{"text":"How are you this afternoon?","start":6.0,"end":7.22,"sentiment":"neutral","sentiment_score":0.20101916491985322}],"sentiment":"neutral","sentiment_score":0.17121510083476701,"channel":0,"num_words":12,"start":3.6,"end":7.22},{"sentences":[{"text":"Yeah.","start":7.44,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.2493087351322174},{"text":"Good.","start":7.8399997,"end":8.08,"sentiment":"positive","sentiment_score":0.5127079486846924},{"text":"Thank you.","start":8.08,"end":8.4,"sentiment":"positive","sentiment_score":0.551621213555336},{"text":"Yourself?","start":8.4,"end":8.9,"sentiment":"positive","sentiment_score":0.4006966948509216}],"sentiment":"positive","sentiment_score":0.4531911611557007,"channel":1,"num_words":5,"start":7.44,"end":8.9},{"sentences":[{"text":"I'm very well.","start":9.28,"end":10.24,"sentiment":"positive","sentiment_score":0.5567958354949951},{"text":"Thank 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it's 4.6% overall for the.","start":709.26,"end":713.2,"sentiment":"neutral","sentiment_score":0.22282518446445465}],"sentiment":"neutral","sentiment_score":0.22282518446445465,"channel":1,"num_words":8,"start":709.26,"end":713.2},{"sentences":[{"text":"So, yeah, your portfolio net of fees, so after all fees have been taken into account, it's up by 4.63%.","start":715.01495,"end":721.975,"sentiment":"neutral","sentiment_score":0.2098831668496132},{"text":"So, realistically, that is a bit lower to where I would like your portfolio to 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on that first page, if you kinda go back a little bit there, essentially, the other side of things we wanted to talk about was the insurances.","start":946.675,"end":954.295,"sentiment":"neutral","sentiment_score":0.11312686332634517},{"text":"So we have the insurances placed in force last year there.","start":954.435,"end":957.36,"sentiment":"neutral","sentiment_score":0.06750489500435916}],"sentiment":"neutral","sentiment_score":0.13243157558497928,"channel":0,"num_words":42,"start":942.97003,"end":957.36},{"sentences":[{"text":"You still do have the two exclusions.","start":957.76,"end":960.5,"sentiment":"neutral","sentiment_score":-0.2387654185295105},{"text":"So we have and I'm gonna say this wrong.","start":960.56,"end":962.64,"sentiment":"neutral","sentiment_score":-0.17559855596886742},{"text":"I I'm sorry about that.","start":962.64,"end":964.42,"sentiment":"neutral","sentiment_score":-0.2570562481880188},{"text":"It's the eff epididymis exclusion, and we also have the lumbosacral spine exclusion.","start":964.48,"end":971.14,"sentiment":"neutral","sentiment_score":-0.17242715335809267},{"text":"I know","start":971.985,"end":972.225,"sentiment":"neutral","sentiment_score":-0.06421638652682304}],"sentiment":"neutral","sentiment_score":-0.19186144280764791,"channel":0,"num_words":36,"start":957.76,"end":972.225},{"sentences":[{"text":"Yes.","start":972.08496,"end":972.58496,"sentiment":"neutral","sentiment_score":-0.03197728842496872}],"sentiment":"neutral","sentiment_score":-0.03197728842496872,"channel":1,"num_words":1,"start":972.08496,"end":972.58496},{"sentences":[{"text":"one of the things we talked about was trying to review those as soon as we possibly can.","start":972.225,"end":976.565,"sentiment":"neutral","sentiment_score":-0.04292459889418549},{"text":"My admin team member's been on the phone for the past half an hour with Clearview trying to work out when and if those can be reviewed","start":977.105,"end":984.485,"sentiment":"neutral","sentiment_score":0.0010498956242507255}],"sentiment":"neutral","sentiment_score":-0.01653990218312376,"channel":0,"num_words":45,"start":972.225,"end":984.485},{"sentences":[{"text":"Yeah.","start":984.25,"end":984.75,"sentiment":"neutral","sentiment_score":0.02290935441851616}],"sentiment":"neutral","sentiment_score":0.02290935441851616,"channel":1,"num_words":1,"start":984.25,"end":984.75},{"sentences":[{"text":"to work out when we're able to have look at reviewing those to have those removed there for you.","start":984.83,"end":988.83,"sentiment":"neutral","sentiment_score":0.007424183483970792},{"text":"So as soon as she knows what that is, she'll let me know.","start":988.83,"end":992.11,"sentiment":"neutral","sentiment_score":0.0364829867791671},{"text":"Hopefully, it's part of the call, and I'll be able to let you know what they are requesting and how we can have that looked at.","start":992.11,"end":997.63,"sentiment":"neutral","sentiment_score":0.11930319079412864},{"text":"But as soon as we're able to review those, if they are reviewable, then we'll definitely go ahead and look at that for you.","start":997.63,"end":1003.72504,"sentiment":"neutral","sentiment_score":0.08078752279592057},{"text":"Okay?","start":1003.72504,"end":1004.22504,"sentiment":"neutral","sentiment_score":0.0373193733394146}],"sentiment":"neutral","sentiment_score":0.06859567705317433,"channel":0,"num_words":83,"start":984.83,"end":1004.22504},{"sentences":[{"text":"Yeah.","start":1004.065,"end":1004.385,"sentiment":"neutral","sentiment_score":0.06971456110477448},{"text":"Sure.","start":1004.385,"end":1004.64,"sentiment":"neutral","sentiment_score":0.11540336906909944},{"text":"That's right.","start":1004.88,"end":1005.28,"sentiment":"neutral","sentiment_score":0.16439932584762573},{"text":"Well,","start":1005.28,"end":1005.60004,"sentiment":"neutral","sentiment_score":0.28135359287261963}],"sentiment":"neutral","sentiment_score":0.159054034948349,"channel":1,"num_words":5,"start":1004.065,"end":1005.60004},{"sentences":[{"text":"Excellent.","start":1005.405,"end":1005.905,"sentiment":"positive","sentiment_score":0.5753836631774902}],"sentiment":"positive","sentiment_score":0.5753836631774902,"channel":0,"num_words":1,"start":1005.405,"end":1005.905},{"sentences":[{"text":"I'm having no issues.","start":1005.60004,"end":1006.8,"sentiment":"neutral","sentiment_score":0.2560458295047283},{"text":"So I'm not actually that concerned that they're not included.","start":1006.8,"end":1009.62,"sentiment":"neutral","sentiment_score":0.06262324675917626}],"sentiment":"neutral","sentiment_score":0.11788684182933398,"channel":1,"num_words":14,"start":1005.60004,"end":1009.62},{"sentences":[{"text":"No.","start":1009.565,"end":1010.065,"sentiment":"neutral","sentiment_score":-0.04402162507176399},{"text":"That's okay.","start":1010.205,"end":1011.005,"sentiment":"neutral","sentiment_score":0.008926457725465298},{"text":"My main thing is the back exclusion.","start":1011.005,"end":1012.865,"sentiment":"neutral","sentiment_score":-0.0893028484923499},{"text":"I mean, the epididymis is probably less less of a concern.","start":1012.925,"end":1016.97003,"sentiment":"neutral","sentiment_score":-0.08798741244456985},{"text":"But","start":1017.51,"end":1017.75,"sentiment":"neutral","sentiment_score":-0.04525033012032509}],"sentiment":"neutral","sentiment_score":-0.07565456891263073,"channel":0,"num_words":22,"start":1009.565,"end":1017.75},{"sentences":[{"text":"Yeah.","start":1017.60004,"end":1018.10004,"sentiment":"neutral","sentiment_score":-0.058842744678258896}],"sentiment":"neutral","sentiment_score":-0.058842744678258896,"channel":1,"num_words":1,"start":1017.60004,"end":1018.10004},{"sentences":[{"text":"the back exclusion, realistically, for me is something I would like to have reviewed as early as possible because your lumbar sacral is kind of your lower back.","start":1017.75,"end":1025.29,"sentiment":"neutral","sentiment_score":-0.13649821308042323},{"text":"And if","start":1025.51,"end":1025.8301,"sentiment":"neutral","sentiment_score":-0.06953494437038898}],"sentiment":"neutral","sentiment_score":-0.13203399516642095,"channel":0,"num_words":30,"start":1017.75,"end":1025.8301},{"sentences":[{"text":"Yeah.","start":1025.725,"end":1026.225,"sentiment":"neutral","sentiment_score":-0.0909980610013008}],"sentiment":"neutral","sentiment_score":-0.0909980610013008,"channel":1,"num_words":1,"start":1025.725,"end":1026.225},{"sentences":[{"text":"you think about your lower back, there's a lot more problems that can come from that.","start":1025.8301,"end":1029.555,"sentiment":"neutral","sentiment_score":-0.23302311170846224},{"text":"Correct.","start":1029.875,"end":1030.375,"sentiment":"neutral","sentiment_score":-0.043870486319065094},{"text":"Correct.","start":1030.515,"end":1031.015,"sentiment":"neutral","sentiment_score":-0.03826150670647621},{"text":"So it is something I would like to try and have removed as soon as possibly, especially if you're in that construction industry.","start":1031.155,"end":1037.255,"sentiment":"neutral","sentiment_score":-0.13195072470799737},{"text":"The likelihood of you having to make a claim on your income protection and or TBD for those sorts of things is a lot higher.","start":1037.555,"end":1044.2151,"sentiment":"neutral","sentiment_score":-0.21201766312122344}],"sentiment":"neutral","sentiment_score":-0.1840274246465979,"channel":0,"num_words":66,"start":1025.8301,"end":1044.2151},{"sentences":[{"text":"So as soon as we are able to have that looked at and hopefully removed, we do wanna go ahead and do that for you just so you have, obviously, a higher chance of being able to claim, especially for those sorts of issues.","start":1044.54,"end":1056.9401,"sentiment":"neutral","sentiment_score":0.04105769631198861},{"text":"Does that make sense?","start":1056.9401,"end":1058.0,"sentiment":"neutral","sentiment_score":0.03898532688617706}],"sentiment":"neutral","sentiment_score":0.04088499885983765,"channel":0,"num_words":48,"start":1044.54,"end":1058.0},{"sentences":[{"text":"Yeah.","start":1058.335,"end":1058.835,"sentiment":"neutral","sentiment_score":0.11886784434318542}],"sentiment":"neutral","sentiment_score":0.11886784434318542,"channel":1,"num_words":1,"start":1058.335,"end":1058.835},{"sentences":[{"text":"Yeah.","start":1059.4049,"end":1059.725,"sentiment":"neutral","sentiment_score":0.21408934891223907},{"text":"Beautiful.","start":1059.725,"end":1060.225,"sentiment":"neutral","sentiment_score":0.14976766705513},{"text":"I wanted to just also touch on the level of cover there.","start":1060.7649,"end":1063.325,"sentiment":"neutral","sentiment_score":0.02519853583847483},{"text":"So you'll see the ClearView policy on the first page on the summary of superannuation insurances.","start":1063.325,"end":1068.065,"sentiment":"neutral","sentiment_score":0.08729921886697412},{"text":"Your life cover","start":1068.2849,"end":1069.245,"sentiment":"neutral","sentiment_score":0.050284095108509064}],"sentiment":"neutral","sentiment_score":0.06708724949170243,"channel":0,"num_words":33,"start":1059.4049,"end":1069.245},{"sentences":[{"text":"Yep.","start":1068.97,"end":1069.47,"sentiment":"neutral","sentiment_score":0.12224598228931428}],"sentiment":"neutral","sentiment_score":0.12224598228931428,"channel":1,"num_words":1,"start":1068.97,"end":1069.47},{"sentences":[{"text":"and your TBD there, you have a level of cover of 1,232,000.","start":1069.245,"end":1075.29,"sentiment":"neutral","sentiment_score":0.06847725808620453},{"text":"Thinking about life cover to start with, so if you were to pass away today, the life cover pays out that sum insured, but then your super is also paid out onto on top of that.","start":1076.0701,"end":1086.435,"sentiment":"neutral","sentiment_score":0.04917120938706729},{"text":"Noting you probably want that all paid to Charlene so that she can, you know, cover any of the bills and debts and things and look after","start":1086.8351,"end":1093.0751,"sentiment":"neutral","sentiment_score":0.08471540885942953}],"sentiment":"neutral","sentiment_score":0.06505608898897966,"channel":0,"num_words":75,"start":1069.245,"end":1093.0751},{"sentences":[{"text":"Yeah.","start":1092.965,"end":1093.465,"sentiment":"neutral","sentiment_score":0.08052414655685425}],"sentiment":"neutral","sentiment_score":0.08052414655685425,"channel":1,"num_words":1,"start":1092.965,"end":1093.465},{"sentences":[{"text":"the family moving forward.","start":1093.0751,"end":1094.535,"sentiment":"neutral","sentiment_score":0.164645092561841},{"text":"Just double checking, your main primary residence there, the mortgage we had noted was about 375,000.","start":1095.2351,"end":1104.5199,"sentiment":"neutral","sentiment_score":0.028050980414263904},{"text":"What do you owe on that now?","start":1104.58,"end":1106.12,"sentiment":"neutral","sentiment_score":-0.03133491027568068}],"sentiment":"neutral","sentiment_score":0.032890803146141546,"channel":0,"num_words":27,"start":1093.0751,"end":1106.12},{"sentences":[{"text":"It's we've actually borrowed against it again.","start":1106.985,"end":1109.785,"sentiment":"neutral","sentiment_score":-0.057649964200598855},{"text":"It's about 450, 460.","start":1109.785,"end":1114.285,"sentiment":"neutral","sentiment_score":-0.02486750017851591}],"sentiment":"neutral","sentiment_score":-0.045729068192568695,"channel":1,"num_words":11,"start":1106.985,"end":1114.285},{"sentences":[{"text":"Okay.","start":1114.74,"end":1115.24,"sentiment":"neutral","sentiment_score":0.011769204400479794},{"text":"So, say, $4.60.","start":1115.375,"end":1116.8351,"sentiment":"neutral","sentiment_score":0.020303035775820415},{"text":"Perfect.","start":1117.295,"end":1117.795,"sentiment":"positive","sentiment_score":0.43364977836608887},{"text":"So if we looked at that level of cover, just to sort of show you what that might cover based on your current circumstances.","start":1117.935,"end":1124.515,"sentiment":"neutral","sentiment_score":0.13071919356783232},{"text":"$90.05.","start":1125.615,"end":1126.675,"sentiment":"neutral","sentiment_score":0.01007487066090107}],"sentiment":"neutral","sentiment_score":0.12178878687943022,"channel":0,"num_words":30,"start":1114.74,"end":1126.675},{"sentences":[{"text":"It's a little over 1,400,000 there, and then we subtract, I'll say, 460,000 for sorry.","start":1127.055,"end":1136.87,"sentiment":"neutral","sentiment_score":0.0070786567560086645},{"text":"It won't be one second.","start":1136.87,"end":1137.91,"sentiment":"neutral","sentiment_score":0.0003582136705517769},{"text":"Just trying to get my calculator to work for me.","start":1137.91,"end":1140.41,"sentiment":"neutral","sentiment_score":0.04231416434049606},{"text":"It essentially leaves around about 940,000.","start":1140.79,"end":1144.0701,"sentiment":"neutral","sentiment_score":0.01590675798555215},{"text":"So if you sort of looked at the life cover plus your super being paid out, covering the mortgage to leave your family completely debt free, and then with the 940,000 roughly left over, your income we have was a 130 k.","start":1144.0701,"end":1157.805,"sentiment":"neutral","sentiment_score":0.028542846884755863}],"sentiment":"neutral","sentiment_score":0.02340195743808857,"channel":0,"num_words":78,"start":1127.055,"end":1157.805},{"sentences":[{"text":"Are you still on that same income, or have you 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it's","start":1161.53,"end":1163.535,"sentiment":"neutral","sentiment_score":0.0014883002634936322}],"sentiment":"neutral","sentiment_score":0.0014883002634936322,"channel":1,"num_words":6,"start":1161.53,"end":1163.535},{"sentences":[{"text":"100","start":1163.5901,"end":1163.91,"sentiment":"neutral","sentiment_score":0.009160550311207771}],"sentiment":"neutral","sentiment_score":0.009160550311207771,"channel":0,"num_words":1,"start":1163.5901,"end":1163.91},{"sentences":[{"text":"about","start":1163.615,"end":1163.935,"sentiment":"neutral","sentiment_score":0.002915766090154648}],"sentiment":"neutral","sentiment_score":0.002915766090154648,"channel":1,"num_words":1,"start":1163.615,"end":1163.935},{"sentences":[{"text":"and","start":1163.91,"end":1164.0701,"sentiment":"neutral","sentiment_score":0.009987082332372664}],"sentiment":"neutral","sentiment_score":0.009987082332372664,"channel":0,"num_words":1,"start":1163.91,"end":1164.0701},{"sentences":[{"text":"the 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level?","start":1196.02,"end":1198.3601,"sentiment":"neutral","sentiment_score":0.1564867664128542}],"sentiment":"neutral","sentiment_score":0.11557072112663534,"channel":0,"num_words":57,"start":1181.385,"end":1198.3601},{"sentences":[{"text":"Yeah.","start":1198.985,"end":1199.305,"sentiment":"neutral","sentiment_score":0.06494971364736557},{"text":"That's plenty at the moment.","start":1199.305,"end":1200.745,"sentiment":"neutral","sentiment_score":0.13546621948480606},{"text":"I'm not planning","start":1200.745,"end":1201.385,"sentiment":"neutral","sentiment_score":-0.14693659295638403}],"sentiment":"neutral","sentiment_score":0.03349678135580487,"channel":1,"num_words":9,"start":1198.985,"end":1201.385},{"sentences":[{"text":"Yep.","start":1201.38,"end":1201.88,"sentiment":"neutral","sentiment_score":-0.1348579227924347}],"sentiment":"neutral","sentiment_score":-0.1348579227924347,"channel":0,"num_words":1,"start":1201.38,"end":1201.88},{"sentences":[{"text":"on going anytime 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you need me to kinda break anything down or if any additional questions come out of things at all.","start":1340.9701,"end":1347.345,"sentiment":"neutral","sentiment_score":0.24473330837029678}],"sentiment":"neutral","sentiment_score":0.2501182513577597,"channel":0,"num_words":35,"start":1338.9701,"end":1347.345},{"sentences":[{"text":"No.","start":1347.9199,"end":1348.1599,"sentiment":"neutral","sentiment_score":0.006057072430849075},{"text":"The Clearview.","start":1348.1599,"end":1348.7999,"sentiment":"neutral","sentiment_score":0.05664899758994579},{"text":"That's all fine.","start":1348.7999,"end":1349.7,"sentiment":"neutral","sentiment_score":0.2053337742884954}],"sentiment":"neutral","sentiment_score":0.12255939841270447,"channel":1,"num_words":6,"start":1347.9199,"end":1349.7},{"sentences":[{"text":"It's 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They discuss the performance of the investment management process, investment switch, and the age limit for accessing a super. The speaker emphasizes the importance of removing old investment options and advises the customer to review their investment portfolio to determine if they are still eligible for a new investment option. They also discuss the importance of risk profiles and adjusting risk levels for retirement plans and assets. The agent emphasizes the importance of proper will power of attorney and offers to reevaluate the customer's coverage and update their advice."},"intents":{"segments":[{"text":"I had you booked in to go through your annual review today. Is now still a good time there for you? Yeah.","start_word":47,"end_word":68,"intents":[{"intent":"Inquire about upcoming meeting","confidence_score":0.00005813494}]},{"text":"So the good thing last year was we were able to go back and consolidate things for you. So you do now just have your hub twenty four super account. It shows the balance in the account as of today. We're sitting at a $169,905.43 there. Okay? Yep.","start_word":353,"end_word":400,"intents":[{"intent":"Consolidate super accounts","confidence_score":0.030588564}]},{"text":"With that one there, the next report, if you can scroll forward for me, is your performance report, and that sort of shows how all the investments have performed within the fund there. Travis, I did go back and have a bit of a look at those prior to the call just to sort of, have a look and see whether some advice and some things I would like to update for you to make your fund work a little bit better. So Okay.","start_word":404,"end_word":487,"intents":[{"intent":"Analyze performance with investment managers","confidence_score":0.000010626647}]},{"text":"Travis, I did go back and have a bit of a look at those prior to the call just to sort of, have a look and see whether some advice and some things I would like to update for you to make your fund work a little bit better. So Okay.","start_word":437,"end_word":487,"intents":[{"intent":"Update investment portfolio","confidence_score":0.004158481},{"intent":"Look at investments","confidence_score":0.0066830236}]},{"text":"So it is holding your portfolio back a little bit this year. So I do wanna look at removing that one out.","start_word":588,"end_word":609,"intents":[{"intent":"Remove portfolio holding","confidence_score":0.064741515}]},{"text":"So I do wanna do a bit of an investment switch and update the advice for you this year and look at removing that one out of the investments and replacing it with something else that's probably performing a little bit better.","start_word":816,"end_word":857,"intents":[{"intent":"Update investment advice","confidence_score":0.41477355}]},{"text":"We essentially have to, in order to remove that from your portfolio, Yep. have this review, have a big conversation, and look at what to replace it with.","start_word":1139,"end_word":1166,"intents":[{"intent":"Update and update portfolio","confidence_score":0.07075228}]},{"text":"We were trying to sort of find some approval to go through and do have, like, a big standard advice document to have things removed automatically from your portfolio.","start_word":1167,"end_word":1195,"intents":[{"intent":"Seek approval and change of adviser document","confidence_score":1.8336426e-7}]},{"text":"So it is Sure.","start_word":1228,"end_word":1231,"intents":[{"intent":"Discuss and resolve an issue","confidence_score":0.000009977972}]},{"text":"What I sort of wanted to look at talking to you about was because you are still fairly young, you've got a lot of time ahead of you before you're wanting to access your super there. One of the goals we were sort of looking at was accessing your super, essentially, around about the age of 60. Is that still your goal for when you're wanting to access super? Yeah.","start_word":1365,"end_word":1434,"intents":[{"intent":"Discuss accessing super","confidence_score":0.23865585}]},{"text":"If you are wanting to look at sort of building wealth outside of super and or in other ways to be able to retire earlier, we can certainly help in that area and sort of look at ways to do that. But the earliest under the current legislation is sixty sixty if you fully retire to access your suit for that. In Okay.","start_word":1493,"end_word":1555,"intents":[{"intent":"Evaluate retirement options","confidence_score":0.16547853}]},{"text":"If you're not really sure, I can sort of look at the two different options, look at the overall cost of replacing the investment.","start_word":1816,"end_word":1839,"intents":[{"intent":"Discuss investment options","confidence_score":0.0009926816}]},{"text":"I would like to just go back and review your all your investments and your super to make sure everything Service. is working and maybe switch out anything else that might be underperforming there as well.","start_word":1839,"end_word":1874,"intents":[{"intent":"Review investments","confidence_score":0.5753851}]},{"text":"So I would probably like to maybe go and look at whether and assess whether that's an appropriate investment within your super fund. It's also Yep.","start_word":1946,"end_word":1971,"intents":[{"intent":"Assess appropriate investment","confidence_score":0.5952167}]},{"text":"So, there there's always gonna be those ups and downs, but I do wanted to and had a look at this beforehand and definitely wanna update the advice for you, look at where we're tracking, and maybe switch out some of these to make sure I can hopefully lower some investment fees for you to lower the cost of your overall portfolio, but also look at what's been performing really well and what has greater potential down the track. Does that make sense?","start_word":2053,"end_word":2135,"intents":[{"intent":"Update advice","confidence_score":0.6524222}]},{"text":"And do you have any questions?","start_word":2136,"end_word":2141,"intents":[{"intent":"Ask questions","confidence_score":0.122786134}]},{"text":"Overall, your portfolio is up, so the performances the investments that have performed better or well have actually outperformed what the ones are that are down, so your VanEck property and your VanEalong investments. But we just wanna make sure that we re reassess things regularly and keep them working harder for you. Okay? Yeah.","start_word":2415,"end_word":2469,"intents":[{"intent":"Reassess portfolio performance","confidence_score":0.042310722}]},{"text":"And from inception, you've essentially seen a little over it's 18.23% over the past two years total since you've come on board. So when you So kinda that's break that that down yeah. is that including, obviously, super contributions from my employer? No.","start_word":2558,"end_word":2600,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.44261006}]},{"text":"Is there a do you guys do, like, a biannual report instead of a yearly report just in case, like, we start Yeah.","start_word":2940,"end_word":2962,"intents":[{"intent":"Obtain biannual report","confidence_score":0.0005045892}]},{"text":"You still do have the two exclusions. So we have and I'm gonna say this wrong. I I'm sorry about that. It's the eff epididymis exclusion, and we also have the lumbosacral spine exclusion. I know Yes. one of the things we talked about was trying to review those as soon as we possibly can.","start_word":3314,"end_word":3368,"intents":[{"intent":"Review exclusions","confidence_score":0.523354},{"intent":"Review back exclusions","confidence_score":0.2208228}]},{"text":"My main thing is the back exclusion. I mean, the epididymis is probably less less of a concern. But Yeah.","start_word":3502,"end_word":3521,"intents":[{"intent":"Remove back exclusion","confidence_score":0.1362403}]},{"text":"The likelihood of you having to make a claim on your income protection and or TBD for those sorts of things is a lot higher. So as soon as we are able to have that looked at and hopefully removed, we do wanna go ahead and do that for you just so you have, obviously, a higher chance of being able to claim, especially for those sorts of issues. Does that make sense?","start_word":3594,"end_word":3666,"intents":[{"intent":"Make claim","confidence_score":0.26328158}]},{"text":"I wanted to just also touch on the level of cover there.","start_word":3671,"end_word":3682,"intents":[{"intent":"Determine coverage level","confidence_score":0.083855085}]},{"text":"So you'll see the ClearView policy on the first page on the summary of superannuation insurances. Your life cover Yep. and your TBD there, you have a level of cover of 1,232,000. Thinking about life cover to start with, so if you were to pass away today, the life cover pays out that sum insured, but then your super is also paid out onto on top of that.","start_word":3682,"end_word":3749,"intents":[{"intent":"Provide policy information","confidence_score":0.0062605664}]},{"text":"Noting you probably want that all paid to Charlene so that she can, you know, cover any of the bills and debts and things and look after Yeah.","start_word":3750,"end_word":3777,"intents":[{"intent":"Determine policy requirements","confidence_score":0.00011105642}]},{"text":"Just trying to get my calculator to work for me.","start_word":3866,"end_word":3875,"intents":[{"intent":"Calculate cost","confidence_score":0.006728275}]},{"text":"And, again, if you are TPD ed or unable to go back to work, we can also look to claim on your super to have that a little bit released as well.","start_word":4019,"end_word":4050,"intents":[{"intent":"Claim super","confidence_score":0.65127206}]},{"text":"I'm just sort of checking because your income's gone up a little bit just to sort of see. 135. Yeah.","start_word":4185,"end_word":4204,"intents":[{"intent":"Check income","confidence_score":0.4491661}]},{"text":"So, essentially, with the insurance cost, they'll keep reviewing it with you as we kinda go through and review everything each year. Yep.","start_word":4256,"end_word":4278,"intents":[{"intent":"Review insurance","confidence_score":0.17725489}]},{"text":"These will get more expensive over time. So one of the things we did talked about is they are stepped premium. So it does essentially mean that every year, the policy goes through renewal. There are slight increases in the actual the amount you are insured for, which is great, but it also means the insurances are gonna get more and more expensive over time. So for Yep.","start_word":4279,"end_word":4346,"intents":[{"intent":"Increase premium amount","confidence_score":0.004136315}]},{"text":"So we'll make sure to review that when the time comes. And if we need to maybe adjust the cover, reduce it back a little bit, or alter it, we'll look to do that with you. Okay?","start_word":4374,"end_word":4410,"intents":[{"intent":"Review policy","confidence_score":0.1908701},{"intent":"Provide information about policy change","confidence_score":0.00010577271}]},{"text":"So we'll make sure to review that when the time comes. And if we need to maybe adjust the cover, reduce it back a little bit, or alter it, we'll look to do that with you. Okay? Yes. Beautiful.","start_word":4374,"end_word":4412,"intents":[{"intent":"Explain investment process","confidence_score":0.21872354},{"intent":"Explain investment process","confidence_score":0.10685565},{"intent":"Explain investment process","confidence_score":0.12510262}]},{"text":"You will see on that policy that the 6,285, the top amount, that is how much the insurer has actually received for the premium, but you've got a bit of a 15% discount on that due to the taxation consequences in Super. So you've only paid the 5,342. Okay.","start_word":4412,"end_word":4460,"intents":[{"intent":"Explain policy difference","confidence_score":0.0111345835}]},{"text":"So with your portfolio, you're in that growth environment at the moment, which essentially sees 80% of your super invested in growth assets.","start_word":4580,"end_word":4602,"intents":[{"intent":"Discuss portfolio growth","confidence_score":0.031102534}]},{"text":"So if and when you get to, you know, your mid fifties, the conversation will be very different where I'll be, you know, talking about reducing risk and looking at, you know, moving into more of a conservative portfolio.","start_word":4782,"end_word":4820,"intents":[{"intent":"Discuss risk minimization","confidence_score":0.0009523873}]},{"text":"Do you have any questions about the risk profile about, you know, investing or that chart there at all? Not a trust fund.","start_word":4886,"end_word":4908,"intents":[{"intent":"Discuss investment charts","confidence_score":0.047223255},{"intent":"Discuss asset interest","confidence_score":3.57803e-7}]},{"text":"It's probably they're gonna ask you to do a little bit of a survey. And if you answer Yep. the survey correctly, then you qualify for that discount.","start_word":5113,"end_word":5140,"intents":[{"intent":"Complete survey","confidence_score":0.0035376628}]},{"text":"And if you answer Yep. the survey correctly, then you qualify for that discount.","start_word":5126,"end_word":5139,"intents":[{"intent":"Qualify for discount","confidence_score":0.8827917},{"intent":"Qualify for discount","confidence_score":0.45441535}]},{"text":"That 10% can make a little bit of a difference on your policy premium.","start_word":5172,"end_word":5185,"intents":[{"intent":"Provide policy information","confidence_score":0.009525879}]},{"text":"The next document along is the financial services Okay. guide. This one here is a pretty boring, arduous document. It tends to just run you through everything about who we are, what we do, and how we do it. It has a lovely picture of me in there for you as well and has Yeah.","start_word":5197,"end_word":5251,"intents":[{"intent":"Run through documents","confidence_score":0.030009586}]},{"text":"So if you're happy to stay on board, I'll get you to sign and return that back there for me, and that allows me to keep updating the advice, providing ongoing services for you.","start_word":5430,"end_word":5463,"intents":[{"intent":"Sign and return service agreement","confidence_score":0.009692458},{"intent":"Provide advice","confidence_score":0.009959154}]},{"text":"And there's no other charge for the advice that I'm gonna provide to you with regards to the super, the insurances, and and updating your portfolio, that is all inclusive of this service fee for you. Okay? Yeah. Okay.","start_word":5465,"end_word":5503,"intents":[{"intent":"Provide advice","confidence_score":0.23460451}]},{"text":"Do you have any questions about any of those documents? Does anything kinda come to mind that you might like me to answer for you?","start_word":5504,"end_word":5528,"intents":[{"intent":"Answer questions","confidence_score":0.9338172}]},{"text":"market does what Sorry. market does and yeah. Yeah.","start_word":5548,"end_word":5556,"intents":[{"intent":"Seek clarification on market performance","confidence_score":0.00022894282}]},{"text":"If there's an investment that needs to be removed out of your portfolio, if you're not performing if it's not performing the way we sort of hope it will be, I will be at the forefront in telling you that it's not performing correctly and why.","start_word":5583,"end_word":5628,"intents":[{"intent":"Resolve investment concerns","confidence_score":0.000014211514}]},{"text":"with the issues So that they they're they actually having. Yeah.","start_word":5831,"end_word":5841,"intents":[{"intent":"Address concerns","confidence_score":0.006370337}]},{"text":"That's starting on Thursday, That's right.","start_word":6194,"end_word":6199,"intents":[{"intent":"Schedule a call","confidence_score":0.00047417803}]},{"text":"So your Ford Everest asset value on that last year was about 60,000. Is that sort of gone up or down in value, or what would you value It that it at would now?","start_word":6532,"end_word":6565,"intents":[{"intent":"Explain value and value of vehicle","confidence_score":0.000021017535}]},{"text":"We will be getting some, well, adult kitchen and some patio furniture, which we'll put up a little bit, but, yeah, Yeah.","start_word":6656,"end_word":6677,"intents":[{"intent":"Ensure availability and value of items","confidence_score":0.000012058059}]},{"text":"So we do like to just make sure that we're reiterating the importance of having a will power of attorney speaking to a solicitor if you've got one.","start_word":6821,"end_word":6848,"intents":[{"intent":"Explain need for will power of attorney","confidence_score":0.00040422005}]},{"text":"We can definitely talk about that and look at, you know, how you might be able to retire a bit earlier.","start_word":7101,"end_word":7121,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.0846201}]},{"text":"Look at swapping out any investments that are underperforming. Look at maybe lower cost investments in the portfolio that's working harder as well, and we'll look at that and how it affects you over the next five to ten years. Does that sound okay?","start_word":7224,"end_word":7267,"intents":[{"intent":"Check portfolio","confidence_score":0.006708218}]},{"text":"She said that Clearview won't let us review the won't let us review the exclusions yet. We'll get a bit more detail from them soon, hopefully. When they do let us review those exclusions, if they do, then we'll definitely make sure we take care of that with you.","start_word":7313,"end_word":7361,"intents":[{"intent":"Review exclusions","confidence_score":0.8652988},{"intent":"Review exclusions","confidence_score":0.6440903},{"intent":"Review exclusions","confidence_score":0.40817666},{"intent":"Review coverage","confidence_score":0.08504369}]},{"text":"do Or always even have just some options. Yeah. yeah.","start_word":7503,"end_word":7512,"intents":[{"intent":"Review options","confidence_score":0.03887603}]},{"text":"Even just trying to find out whether, you know, it will have a review date or whether Yep. it's in a blanket ban. Yeah.","start_word":7514,"end_word":7537,"intents":[{"intent":"Review blanket ban","confidence_score":0.04710028}]},{"text":"with back, depending on the outcome, they often do let you review it. Sometimes it's within one to two years. Sometimes they make you sort of hold off about three to four years, but we'll keep working with Clearview each year.","start_word":7555,"end_word":7595,"intents":[{"intent":"Review advice","confidence_score":0.430278}]},{"text":"I can, if you're comfortable, rebook you in for that now. Would that be okay?","start_word":7736,"end_word":7750,"intents":[{"intent":"Rebook advice","confidence_score":0.048457745}]},{"text":"I'll add a little text message reminder so it sends you a message to let you know.","start_word":7859,"end_word":7875,"intents":[{"intent":"Add text reminder","confidence_score":0.28270674}]}]},"sentiments":{"segments":[{"text":"I can invite. Hello? Hi, Travis. It's Dana from Oakley Financial. How are you this afternoon? Yeah.","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.14465686678886414},{"text":"Good. Thank you. Yourself? I'm very well. Thank you.","start_word":17,"end_word":25,"sentiment":"positive","sentiment_score":0.5177974700927734},{"text":"How's your day been so far? No. It's been very well. Oh, Just that's pulling up my mail too.","start_word":26,"end_word":44,"sentiment":"neutral","sentiment_score":0.18003782629966736},{"text":"Good. fantastic.","start_word":45,"end_word":46,"sentiment":"positive","sentiment_score":0.5973202586174011},{"text":"I had you booked in to go through your annual review today. Is now still a good time there for you? Yeah. It's fine.","start_word":47,"end_word":70,"sentiment":"neutral","sentiment_score":0.26413705945014954},{"text":"Fantastic.","start_word":71,"end_word":71,"sentiment":"positive","sentiment_score":0.5382543802261353},{"text":"As part of the call, I normally do send through some annual review documents to you via email. Are you able to access your emails there at the moment? If you can't, it's okay. Yeah. No. I can. You can? Fantastic. Yep. Well, I send this one through. I'll get you to jump in if that's okay, and we'll pull them up and go through them together just so you can see what I'm talking about and go through them with me. Just sometimes makes Yep. it a little bit easier. That's all. Yep. That's fine. There we go. Beautiful. I'll just press send on that one now. Who is it? Oh, she wants There to we pay. go. Yes. Sorry. I'm just putting you on speakerphone so I'm gonna put my emails. Yeah. You're Yeah. fine. You're That's fine. not a That's problem fine. at all. Alright. So is that one comes you've said that one, have you? Yeah. Should've come through from Odoo sign. It Yep. might take a second. Gotcha. I've just pressed send No. I've on got that it one now. there. You got it. Fantastic. When you open up the documents there, it does have a little sign button. We just ask you to press that button so you can go through to view the documents there. Yep. However, it will not ask you to sign anything until you've read them, until you're happy to do so, and you're welcome to go back and review them prior to signing the bottom of the documents there. Okay? Sure. Yeah.","start_word":72,"end_word":334,"sentiment":"neutral","sentiment_score":0.080205628570495},{"text":"That's Excellent. fine. Beautiful.","start_word":335,"end_word":338,"sentiment":"positive","sentiment_score":0.6181318759918213},{"text":"Now the first one that you'll see is your summary of superannuation and insurances.","start_word":339,"end_word":352,"sentiment":"neutral","sentiment_score":0.1630469411611557},{"text":"So the good thing last year was we were able to go back and consolidate things for you.","start_word":353,"end_word":370,"sentiment":"positive","sentiment_score":0.4439067840576172},{"text":"So you do now just have your hub twenty four super account. It shows the balance in the account as of today. We're sitting at a $169,905.43 there. Okay? Yep. Yep.","start_word":371,"end_word":401,"sentiment":"neutral","sentiment_score":0.11389226466417313},{"text":"Beautiful. Beautiful.","start_word":402,"end_word":403,"sentiment":"positive","sentiment_score":0.4999843835830689},{"text":"With that one there, the next report, if you can scroll forward for me, is your performance report, and that sort of shows how all the investments have performed within the fund there. Travis, I did go back and have a bit of a look at those prior to the call just to sort of, have a look and see whether some advice and some things I would like to update for you to make your fund work a little bit better. So Okay. this year, I have noticed one of your investments sort of holding your portfolio back a little bit. So I do wanna go back and maybe do some switching out of those for you. Are you on that performance report, it should say performance with internal rate Yes. of return. I am. That's the one. Beautiful. Yep. You'll see the first on the first page that the top investments have been along Australian equities. If you look the second last line, is that it is showing that it is down. It's a negative figure because it's in brackets there. Okay. So it is holding your portfolio back a little bit this year. So I do wanna look at removing that one out. Now the main sort of issue with Van Along is that that was meant to be more of an actively managed fund within your portfolio there, and the investment manager within Bannalong is trying to outperform against the market. They are trying to pick investments and choose when to buy and sell into the market. They haven't been able to do that this year. They've had some other underlying issues, which is causing them to have a bit of a downward trend. And, realistically, I would be wanting to keep them in there if the issue wasn't with the investment. If it was, say, the whole market, like Australian equity is really seeing a bit of a downtime, then it'd be worth sort of keeping that in your portfolio. However, if you look about four investments down, you've got the investment. The tick code is keywords. It's the beta shares RAPI. That is essentially giving you exposure to Australian equities, and that investment's up by over 14.05%. So the fact that the Australian market and Australian equities as a whole is actually up, but then along is down, Daniel sort was of 20 shows us eight. yeah. There's more of an issue within the fund there. So I do wanna do a bit of an investment switch and update the advice for you this year and look at removing that one out of the investments and replacing it with something else that's probably performing a little bit better. To be full disclosure with you, it does essentially mean that we are cementing that loss and we are removing that investment out, Okay. but I would rather cement the loss now and look at replacing it with something else that can gain that money back nice and quick for you rather than wait and see if it keeps dropping. So the Yeah. underlying Okay. issues that the underlying issues that investment has had are going to continue, so it is best to remove you out of that now if that makes sense. Does that Yeah. do you have any questions at all? No. It well, it makes sense. It would be nice to pick up on a a little bit earlier, essentially. So sorry. Did you have I've also got the phone cut out if you're still if Oh, you no. have That more that's to alright. that sentence. Sorry. You're right. Yeah. Yeah. No. I just said it, yeah, it And makes sense to cut losses, but it would have been nice to pick up on it earlier before the yeah. losses got so big. Yeah. And, look, honestly, it's not as big. It is 90% there, but it is showing, essentially, it's only down by about $3,000. So, realistically, Yeah. we are picking it up as much as possible, but it does essentially mean that out of all the clients, we are calling through everyone. So we are having to do it as part of the annual review process because I just don't have a yeah. Essentially, the time Yep. of the day to call through everyone and go, hey. We have to update this and do that. We essentially have to, in order to remove that from your portfolio, Yep. have this review, have a big conversation, and look at what to replace it with. We were trying to sort of find some approval to go through and do have, like, a big standard advice document to have things removed automatically from your portfolio. But in doing that, the compliance wasn't there, and it sort of meant that with any other changes in your life, that advice piece would be essentially not relevant to your circumstances. So it is Sure. essentially the best way to do it as per the annual review.","start_word":404,"end_word":1243,"sentiment":"neutral","sentiment_score":-0.061064936555478545},{"text":"The loss isn't as big as what it could have been if we had to sort of wait it down the track.","start_word":1244,"end_word":1265,"sentiment":"negative","sentiment_score":-0.35439425706863403},{"text":"And from when, Benelong has sort of seen that issue, which isn't that long ago. It's only really very recently that it sort of had that major dip. Majority of the year, it had actually been performing very well. It's only probably in the last sort of two months that it's really seen that downtime that we're sort of noting at the moment. And so we're sort of trying to bring it to your attention as quickly as we possibly can. So I do Sure. understand where you're coming from there, though. Okay? Nah. Nah.","start_word":1266,"end_word":1360,"sentiment":"neutral","sentiment_score":-0.16237150132656095},{"text":"Awesome. Easy. All good.","start_word":1361,"end_word":1364,"sentiment":"positive","sentiment_score":0.46453508734703064},{"text":"What I sort of wanted to look at talking to you about was because you are still fairly young, you've got a lot of time ahead of you before you're wanting to access your super there. One of the goals we were sort of looking at was accessing your super, essentially, around about the age of 60. Is that still your goal for when you're wanting to access super? Yeah. Look. At the moment, yeah, things is about right. Younger Yep. if possible, or if Yep. if there's nothing there, but, yeah, it's Yep. sort So of hard at to judge at the moment. no. That's okay. So at the moment, under the current legislation, the earliest you're able to access super is the age of 60. Sure. If you are wanting to look at sort of building wealth outside of super and or in other ways to be able to retire earlier, we can certainly help in that area and sort of look at ways to do that. But the earliest under the current legislation is sixty sixty if you fully retire to access your suit for that. In Okay. saying that if they do happen to reduce the age, I'll be the first to let you know. We'll make sure Okay. that you're aware of that.","start_word":1365,"end_word":1582,"sentiment":"neutral","sentiment_score":0.06073562274558829},{"text":"So Excellent.","start_word":1583,"end_word":1584,"sentiment":"positive","sentiment_score":0.5958585143089294},{"text":"I'll note down here that we are looking at 60. So, realistically, you do have over twenty years before you're able to access your super at this sort of point in time. We have a couple of options for how we can sort of look to replace that investment option for you. So that is more of an actively managed fund within your SOFA there. We can look at replacing that with another active manager if you would like to. Realistically, having an active manager in your portfolio means that they they can and sometimes do outperform against the market and provide greater returns. You do tend to pay a little bit more in investment fees in order to have an active manager in your portfolio. Or if you wanted me to sort of focus on the fee component, I could always look at swapping it with something that's just a bit more low cost and less actively managed to sort of you know, when you think about passively invested funds, often over time, they outperform active managers and actually do a lot better. Is there sort of a preference to how you would like to see your investment structured, or what would you like to sort of see? I'm not yeah. I'm I'm not too sure. Like, I'm sort of putting my faith in you guys. Yeah. That's fine. If you're not really sure, I can sort of look at the two different options, look at the overall cost of replacing the investment. I would like to just go back and review your all your investments and your super to make sure everything Service. is working and maybe switch out anything else that might be underperforming there as well. You'll also sort of notice if you're looking at that report there, the Van Dyck property, that one is also sort of underperforming a little bit at Yeah. the moment as well. And, again, Yep. that has only been very recently. There's been some structural changes within the government and within the legislation around property and investments and things like that. So that has very recently affected that investment as well. So I would probably like to maybe go and look at whether and assess whether that's an appropriate investment within your super fund. It's also Yep. kind of important to note that over time, investments that went in your super fund a couple of years back might have been appropriate back then. But over time, they can perform well and then perform not so great as well. So things that I move you into now, we'll keep reviewing down the track because in two, three, or even five years' time, some of those investments might be underperforming and need to be removed out there for you. Yeah. So, there there's always gonna be those ups and downs, but I do wanted to and had a look at this beforehand and definitely wanna update the advice for you, look at where we're tracking, and maybe switch out some of these to make sure I can hopefully lower some investment fees for you to lower the cost of your overall portfolio, but also look at what's been performing really well and what has greater potential down the track. Does that make sense? And do you have any questions? No. That's all my consent. That that sounds That's good. all good. Yeah. Yeah.","start_word":1585,"end_word":2155,"sentiment":"neutral","sentiment_score":0.03232775285396392},{"text":"Beautiful. Excellent. I did have a really good review of things beforehand. So I definitely had some advice that I wanted to come into the call to let you know I wanted to make for you, which is good.","start_word":2156,"end_word":2194,"sentiment":"positive","sentiment_score":0.5079211592674255},{"text":"Yeah.","start_word":2195,"end_word":2195,"sentiment":"neutral","sentiment_score":0.2728210389614105},{"text":"But It sounds real like you're you're all over it. thank you.","start_word":2196,"end_word":2207,"sentiment":"positive","sentiment_score":0.4238303601741791},{"text":"Yeah. Essentially, everything else, if you look at that same report, is the has been performing Yeah.","start_word":2208,"end_word":2224,"sentiment":"neutral","sentiment_score":0.03997806591146132},{"text":"really well.","start_word":2225,"end_word":2226,"sentiment":"positive","sentiment_score":0.439903199672699},{"text":"So your bank hybrids, they are more defensive in nature. I will probably look to remove them out of there as well just because down the track, the government will be removing or requesting that they're phasing out that investment, essentially. So we'll look to maybe replace that while we're going. And any changes that we feel, we should probably make it a short term. We'll try to all make it once. That way, we can allow your portfolio time to recover, rebuild, and kinda grow from there. How does that sound? Yep. That Yep.","start_word":2227,"end_word":2321,"sentiment":"neutral","sentiment_score":0.04060680791735649},{"text":"sounds good. It looks like Beautiful. that ACDC one is performing very nicely.","start_word":2322,"end_word":2334,"sentiment":"positive","sentiment_score":0.619804859161377},{"text":"Yeah. Yeah.","start_word":2335,"end_word":2336,"sentiment":"neutral","sentiment_score":0.2269177287817001},{"text":"Absolutely.","start_word":2337,"end_word":2337,"sentiment":"positive","sentiment_score":0.342582106590271},{"text":"So your your battery and lithium tech has done very, Yeah.","start_word":2338,"end_word":2348,"sentiment":"neutral","sentiment_score":0.29181399941444397},{"text":"very nicely, one of the highest performance there. Cybersecurity also is up. You're up over 18% growth for that as well.","start_word":2349,"end_word":2369,"sentiment":"positive","sentiment_score":0.4900783598423004},{"text":"Yeah. And your your keywords, so that's your beta shares, Ravi, so giving you exposure to some of the, you know, top 200 companies on the ASX, the Australian Equities, and that's still performing by 14.05%. So everything Yep.","start_word":2370,"end_word":2408,"sentiment":"neutral","sentiment_score":0.19070228934288025},{"text":"else is doing really, really well.","start_word":2409,"end_word":2414,"sentiment":"positive","sentiment_score":0.4257812201976776},{"text":"Overall, your portfolio is up, so the performances the investments that have performed better or well have actually outperformed what the ones are that are down, so your VanEck property and your VanEalong investments. But we just wanna make sure that we re reassess things regularly and keep them working harder for you. Okay? Yeah. So what's the Excellent. so the average, it's 4.6% overall for the. So, yeah, your portfolio net of fees, so after all fees have been taken into account, it's up by 4.63%. So, realistically, that is a bit lower to where I would like your portfolio to be. However, Yeah.","start_word":2415,"end_word":2519,"sentiment":"neutral","sentiment_score":0.1908874809741974},{"text":"it is a it is still a positive return for the year.","start_word":2520,"end_word":2531,"sentiment":"positive","sentiment_score":0.5254560708999634},{"text":"When I sorta have a look so I did kinda go back and look at from inception to sorta look at how it's been tracking. And from inception, you've essentially seen a little over it's 18.23% over the past two years total since you've come on board. So when you So kinda that's break that that down yeah. is that including, obviously, super contributions from my employer? No.","start_word":2532,"end_word":2599,"sentiment":"neutral","sentiment_score":0.10655624572845068},{"text":"So that's a good thing.","start_word":2600,"end_word":2604,"sentiment":"positive","sentiment_score":0.4545996487140655},{"text":"That's a factoring in just Okay. the growth. So the growth of the income within the portfolio are contributions that go in there or considered a capital. And so the rate of return looks at the growth and the income that's being generated from the portfolio solely over the past two years and with this Yep. report over the past two months there. So while you're seeing that this last twelve months of 4.63, it essentially shows the growth of the sorry. The net earnings for the year as the growth in the earnings is $10,335. You've made over $10,000 in the portfolio, which is good because last year, we kind of had those last few changes and the consolidation made there as well. So there has been a lot happening with the with the portfolio with the super fund. I'm definitely noting that this return is a lot lower than where I would like it to be given the sort of portfolio that you're in, but we just wanna make changes and keep it working harder so we can kinda get it going for you. The Yeah. other thing I kinda mentioned is I sort of also pulled up a report from inception, which kinda shows what you've made since you came on board originally from the last so you came on board around 2024 there. And in the last sort of two years, you've made about nine Not. sorry. 18.23%. That's from inception to now. When we average that over the past two years, it's averaged about a 9.11%. So, realistically, Okay. your portfolio is still working.","start_word":2605,"end_word":2873,"sentiment":"neutral","sentiment_score":0.08917978405952454},{"text":"It is doing what it needs to. It is doing well.","start_word":2874,"end_word":2884,"sentiment":"positive","sentiment_score":0.398850530385971},{"text":"It's just that over the when you break it down to per year, the return, this is a little bit lower, and it kinda shows that we need to move some of those investments out and replace them for you. And I definitely wanna get Okay.","start_word":2885,"end_word":2930,"sentiment":"neutral","sentiment_score":0.012930828146636486},{"text":"that done nice and quickly for you.","start_word":2931,"end_word":2937,"sentiment":"positive","sentiment_score":0.7936895489692688},{"text":"Okay? Yep. Is there a do you guys do, like, a biannual report instead of a yearly report just in case, like, we start Yeah. getting underperforming? Yeah. Absolutely. Yeah? It is one thing that we sort of wanted to do, and I know with the going to the advice last year, it kinda made it a little bit harder. But moving forward, I'd love to do another catch up with you in about six months. So Yep. that would bring us up to February so we can have a look at it biannually. We'll go through, update the advice now to make some changes to your investments. And then come February, we can have another sort of biannual catch up look at how that's been taken into effect for you and whether we need to make more changes or whether we're good just to kinda go for the next six months there. That way, you do get those catch ups on more of a regular basis. Does that sound okay? Yes. Yeah.","start_word":2938,"end_word":3110,"sentiment":"neutral","sentiment_score":0.0668795183300972},{"text":"Beautiful.","start_word":3111,"end_word":3111,"sentiment":"positive","sentiment_score":0.366412341594696},{"text":"And if in the meantime, like, in between that six months period, you want additional updates on what the portfolio has done or reports and things like that, you're welcome to let me know. I can always generate ad hoc reports and send them through to you and give you updates as you need them as well. You don't have to wait for the calls to come through. Does that sound Okay. okay? Yes. Yeah? Yeah.","start_word":3112,"end_word":3187,"sentiment":"neutral","sentiment_score":0.17730483412742615},{"text":"Beautiful.","start_word":3188,"end_word":3188,"sentiment":"positive","sentiment_score":0.3934624195098877},{"text":"Sort of setting up a bit more of a process now to move forward and kind of make sure those biannual catch ups actually happen, and making sure that I'm able to give you those extra reports when you need them as well. So if you wanted something ad hoc, you can let me know, and I'll make sure I generate it nice and quick and get it to you and give you an explanation around it for you. Okay? Yeah.","start_word":3189,"end_word":3269,"sentiment":"neutral","sentiment_score":0.2383549213409424},{"text":"Excellent. Excellent. Beautiful. Fantastic.","start_word":3270,"end_word":3273,"sentiment":"positive","sentiment_score":0.5235409736633301},{"text":"Now on that first page, if you kinda go back a little bit there, essentially, the other side of things we wanted to talk about was the insurances. So we have the insurances placed in force last year there. You still do have the two exclusions. So we have and I'm gonna say this wrong. I I'm sorry about that. It's the eff epididymis exclusion, and we also have the lumbosacral spine exclusion. I know Yes. one of the things we talked about was trying to review those as soon as we possibly can. My admin team member's been on the phone for the past half an hour with Clearview trying to work out when and if those can be reviewed Yeah. to work out when we're able to have look at reviewing those to have those removed there for you. So as soon as she knows what that is, she'll let me know. Hopefully, it's part of the call, and I'll be able to let you know what they are requesting and how we can have that looked at. But as soon as we're able to review those, if they are reviewable, then we'll definitely go ahead and look at that for you. Okay? Yeah. Sure. That's right.","start_word":3274,"end_word":3482,"sentiment":"neutral","sentiment_score":0.005629011781877307},{"text":"Well, Excellent.","start_word":3483,"end_word":3484,"sentiment":"positive","sentiment_score":0.428368628025055},{"text":"I'm having no issues. So I'm not actually that concerned that they're not included. No. That's okay. My main thing is the back exclusion. I mean, the epididymis is probably less less of a concern. But Yeah. the back exclusion, realistically, for me is something I would like to have reviewed as early as possible because your lumbar sacral is kind of your lower back. And if Yeah. you think about your lower back, there's a lot more problems that can come from that. Correct. Correct. So it is something I would like to try and have removed as soon as possibly, especially if you're in that construction industry. The likelihood of you having to make a claim on your income protection and or TBD for those sorts of things is a lot higher. So as soon as we are able to have that looked at and hopefully removed, we do wanna go ahead and do that for you just so you have, obviously, a higher chance of being able to claim, especially for those sorts of issues. Does that make sense? Yeah. Yeah.","start_word":3485,"end_word":3668,"sentiment":"neutral","sentiment_score":-0.07020563632249832},{"text":"Beautiful.","start_word":3669,"end_word":3669,"sentiment":"positive","sentiment_score":0.5034825801849365},{"text":"I wanted to just also touch on the level of cover there. So you'll see the ClearView policy on the first page on the summary of superannuation insurances. Your life cover Yep. and your TBD there, you have a level of cover of 1,232,000. Thinking about life cover to start with, so if you were to pass away today, the life cover pays out that sum insured, but then your super is also paid out onto on top of that. Noting you probably want that all paid to Charlene so that she can, you know, cover any of the bills and debts and things and look after Yeah. the family moving forward. Just double checking, your main primary residence there, the mortgage we had noted was about 375,000. What do you owe on that now? It's we've actually borrowed against it again. It's about 450, 460. Okay. So, say, $4.60.","start_word":3670,"end_word":3819,"sentiment":"neutral","sentiment_score":0.04529242590069771},{"text":"Perfect.","start_word":3820,"end_word":3820,"sentiment":"positive","sentiment_score":0.43364977836608887},{"text":"So if we looked at that level of cover, just to sort of show you what that might cover based on your current circumstances. $90.05. It's a little over 1,400,000 there, and then we subtract, I'll say, 460,000 for sorry. It won't be one second. Just trying to get my calculator to work for me. It essentially leaves around about 940,000. So if you sort of looked at the life cover plus your super being paid out, covering the mortgage to leave your family completely debt free, and then with the 940,000 roughly left over, your income we have was a 130 k. Are you still on that same income, or have you had Yeah. a pay rise? It's a bit 135, so it's 100 about and the same. 35. Yep.","start_word":3821,"end_word":3951,"sentiment":"neutral","sentiment_score":0.03342723473906517},{"text":"Beautiful.","start_word":3952,"end_word":3952,"sentiment":"positive","sentiment_score":0.4525342583656311},{"text":"So then if we divided the leftover money, the 940,000, by your current income, essentially means that they could replace your income for around about sort of seven years, essentially. Do you feel like Yeah. that level of cover for life is still fairly appropriate? Yeah.","start_word":3953,"end_word":3998,"sentiment":"neutral","sentiment_score":0.11370159685611723},{"text":"That's fine. Yep. Beautiful.","start_word":3999,"end_word":4002,"sentiment":"positive","sentiment_score":0.4179191589355469},{"text":"With the TBD component, you still have the same level of cover there as well. And, again, if you are TPD ed or unable to go back to work, we can also look to claim on your super to have that a little bit released as well. Are you fairly happy with that TPD level? Yeah. That's plenty at the moment. I'm not planning Yep. on going anytime soon. I certainly hope not. Very morbid conversation to have, but I wanna see you get to retirement there, Travis, and then enjoy it.","start_word":4003,"end_word":4094,"sentiment":"neutral","sentiment_score":0.04985556140056123},{"text":"You work way too hard to not.","start_word":4095,"end_word":4101,"sentiment":"negative","sentiment_score":-0.3413470983505249},{"text":"Yeah. No. I think you're good. Oh, good. With the income protection side of things, you've got a monthly insured benefit of 6,801 on a sixty day waiting and a age 65 benefit period. So we kinda talked about that to give you the best possible benefit in the event of claiming. You're still fairly comfortable with the level of cover you have there, the waiting in the benefit period that we sort Yeah. of Yeah. went That with? that's fine. Yep.","start_word":4102,"end_word":4183,"sentiment":"neutral","sentiment_score":0.15274059772491455},{"text":"Beautiful.","start_word":4184,"end_word":4184,"sentiment":"positive","sentiment_score":0.4197368025779724},{"text":"I'm just sort of checking because your income's gone up a little bit just to sort of see. 135. Yeah. So it does look like you're slightly underinsured based on your current income there, but with Charlene working and everything, does that monthly benefit sort of cover expenses, say? Yeah. That'll definitely cover everything because there's no there'll Yep. be no fuel cost. No. Nothing else. Yep.","start_word":4185,"end_word":4251,"sentiment":"neutral","sentiment_score":0.04492167383432388},{"text":"Beautiful. Yeah. Fantastic. Excellent.","start_word":4252,"end_word":4255,"sentiment":"positive","sentiment_score":0.4182274341583252},{"text":"So, essentially, with the insurance cost, they'll keep reviewing it with you as we kinda go through and review everything each year. Yep. These will get more expensive over time. So one of the things we did talked about is they are stepped premium. So it does essentially mean that every year, the policy goes through renewal. There are slight increases in the actual the amount you are insured for, which is great, but it also means the insurances are gonna get more and more expensive over time. So for Yep. this year, you've paid $5,342.28 for the policy. That's how much has come out of your super fund for the year. That will increase next year. So we'll make sure to review that when the time comes. And if we need to maybe adjust the cover, reduce it back a little bit, or alter it, we'll look to do that with you. Okay? Yes.","start_word":4256,"end_word":4410,"sentiment":"neutral","sentiment_score":-0.011382631993582172},{"text":"Beautiful.","start_word":4411,"end_word":4411,"sentiment":"positive","sentiment_score":0.4889331459999085},{"text":"You will see on that policy that the 6,285, the top amount, that is how much the insurer has actually received for the premium, but you've got a bit of a 15% discount on that due to the taxation consequences in Super. So you've only paid the 5,342. Okay. So you got a little bit of a discount there just to note the difference in the two premiums. Okay? Yep.","start_word":4412,"end_word":4481,"sentiment":"neutral","sentiment_score":0.0939515307545662},{"text":"Awesome. Excellent.","start_word":4482,"end_word":4483,"sentiment":"positive","sentiment_score":0.5889723300933838},{"text":"Do you have any questions at the moment? You're welcome to let me know if you need me to kinda break anything down or if any additional questions come out of things at all. No. The Clearview. That's all fine. It's okay. Yeah.","start_word":4484,"end_word":4526,"sentiment":"neutral","sentiment_score":0.21499206125736237},{"text":"Beautiful. Fantastic.","start_word":4527,"end_word":4528,"sentiment":"positive","sentiment_score":0.5688784122467041},{"text":"If you scroll down past that, hub twenty four report, the next one is the Vanguard index chart. Good. This one I'm looking here is at that. more of a bit of a guide. Sort of shows you how investments work over time and why we invest the way we do. So with your portfolio, you're in that growth environment at the moment, which essentially sees 80% of your super invested in growth assets. So think about things like, if you're looking at that chart there, it's essentially things like US shares, Australian shares, international shares, and listed property as well. So those are growth assets. And those are the ones that over the course of time tend to get us a much greater level of return or greater growth to make us super work harder. However, we do understand they expect that they don't always work the way we want them to, and there are some ups and downs that definitely go with that. So being 80% invested in those growth assets does come with the downtimes, and it's about making sure that you're invested in a portfolio that can go through those downtimes, allow your super to recover back, and then grow and build on that before you're actually wanting to retire. So that growth kind of environment you're in at the moment suits someone who's not accessing super for the next sort of six years. When you're you've got a lot longer than that ahead of you at the moment. So if and when you get to, you know, your mid fifties, the conversation will be very different where I'll be, you know, talking about reducing risk and looking at, you know, moving into more of a conservative portfolio. But for the time being, that generally suits your time horizon. We would normally see someone of your age sitting in that gross to high growth area. And then when you sorta hit your mid fifties and you're about, you know, five to six years out, we sort of look at starting to reduce that risk level a bit for you there. Okay? Yep.","start_word":4529,"end_word":4884,"sentiment":"neutral","sentiment_score":0.02501806140134341},{"text":"Excellent.","start_word":4885,"end_word":4885,"sentiment":"positive","sentiment_score":0.5053760409355164},{"text":"Do you have any questions about the risk profile about, you know, investing or that chart there at all? Not a trust fund. No.","start_word":4886,"end_word":4909,"sentiment":"neutral","sentiment_score":0.057522911578416824},{"text":"It's beautiful.","start_word":4910,"end_word":4911,"sentiment":"positive","sentiment_score":0.5005876421928406},{"text":"It's just a bit of a visual we tend to like to put in there. A lot of people just find it easier to sort of have that visual aid to help them along with understanding the investment aspects, which is kinda cool as well because you can see where the dips hit, who was in Yeah. power You can when, say who was in and power what and the all dips that. Yeah. were, yeah, Yep. which is kind of cool as Yeah. well. No. It's it's a cool cool chat.","start_word":4912,"end_word":5003,"sentiment":"neutral","sentiment_score":0.19476638734340668},{"text":"Excellent.","start_word":5004,"end_word":5004,"sentiment":"positive","sentiment_score":0.3841289281845093},{"text":"If you scroll on to the next document for me, you've got your certificate of currency there, which goes through the policy that you do have currently in a little bit more detail as we have definitely gone through. This is provided to you every year at renewal, and it looks like it's due to go through renewal in about October for you there as well. Okay. Yep. I've actually got a letter from Clearview. They're talking about a 10% discount Yep. on health and rewards program, so I've gotta have a look at that at some stage.","start_word":5005,"end_word":5102,"sentiment":"neutral","sentiment_score":0.11352364718914032},{"text":"Beautiful.","start_word":5103,"end_word":5103,"sentiment":"positive","sentiment_score":0.4866136312484741},{"text":"If this that's the one I'm thinking about. It's probably they're gonna ask you to do a little bit of a survey. And if you answer Yep. the survey correctly, then you qualify for that discount.","start_word":5104,"end_word":5139,"sentiment":"neutral","sentiment_score":0.15074399610360464},{"text":"It's definitely worth doing because I honestly, my insurance is through ClearView as well, and I do that every year. And it's Okay. Cool. definitely worth doing to get that little bit. That 10% can make a little bit of a difference on your policy premium. So Yeah. it is worth doing. Yeah. Nice. All Cool. good.","start_word":5140,"end_word":5196,"sentiment":"positive","sentiment_score":0.49665525555610657},{"text":"The next document along is the financial services Okay. guide. This one here is a pretty boring, arduous document. It tends to just run you through everything about who we are, what we do, and how we do it. It has a lovely picture of me in there for you as well and has Yeah. all my licensing information as a licensed adviser for you. I always tell everyone if you have trouble sleeping one night, feel free to whip that one out and have a bit of a a read. It'll knock you out cold in a few seconds. I can guarantee that. No. These sorts of documents are that boring, but it is kinda kinda cool to see who you're talking to, and that we are licensed advisers and putting all of that information in the forefront for you as well. Okay?","start_word":5197,"end_word":5340,"sentiment":"neutral","sentiment_score":0.13648350536823273},{"text":"Cool. Excellent.","start_word":5341,"end_word":5342,"sentiment":"positive","sentiment_score":0.4494712948799134},{"text":"The next document along is your ongoing service agreement for the next twelve months there. So down the checkout, ongoing service fees will change a little bit, but for the moment, it's not. You and your Charlene are both onboard as 1.10%. We are keeping it that way. Essentially, that's the 1.10% on a yearly basis, and then it's deducted in smaller monthly increments out of your sofa. And that's our coupling fee as well. So it is reduced from our current fee structure of 1.65% there.","start_word":5343,"end_word":5429,"sentiment":"neutral","sentiment_score":0.13991490006446838},{"text":"So if you're happy to stay on board, I'll get you to sign and return that back there for me, and that allows me to keep updating the advice, providing ongoing services for you.","start_word":5430,"end_word":5463,"sentiment":"positive","sentiment_score":0.33336713910102844},{"text":"And there's no other charge for the advice that I'm gonna provide to you with regards to the super, the insurances, and and updating your portfolio, that is all inclusive of this service fee for you. Okay? Yeah. Okay. Easy. Do you have any questions about any of those documents? Does anything kinda come to mind that you might like me to answer for you? Or No. I think that's been pretty informative. We've gone Yeah. through a lot of it. Beautiful. The Beautiful. market does what Sorry. market does and yeah. Yeah. No. Definitely. I do like to sort of note what what the markets are doing. But also note and, look, I will be honest with you. If there's an investment that needs to be removed out of your portfolio, if you're not performing if it's not performing the way we sort of hope it will be, I will be at the forefront in telling you that it's not performing correctly and why. I'll have a look Yep. at what's happening, whether we can fix that If the market is just down because the market is just down, that is just a a time that happens. And I will stand in front of that and say, hey. Look. I understand this is occurring. I'll be really honest with you no matter what. But for now, the fact that Benelon has kinda come down, I would love to have kinda gotten everyone out of it a little bit earlier, but it's it's isn't realistically possible to do so without kinda going through and reviewing all of these circumstances to make sure my advice is appropriate. But it's also not down as much as what it could definitely be. So I am happy that we are moving you out of that now, and the loss is very minimal compared to, you know, other investments or if you had a higher balance in in your super there. So Yeah. more than Are happy you to sort of get that replaced for you. So sorry. yeah. You're right. No. I was gonna say, are you expecting a bounce back with Benelung? Or No. Definitely not. No.","start_word":5464,"end_word":5827,"sentiment":"neutral","sentiment_score":-0.01710245944559574},{"text":"Not okay.","start_word":5828,"end_word":5829,"sentiment":"negative","sentiment_score":-0.34694990515708923},{"text":"with the issues So that they they're they actually having. Yeah. Yeah. okay. Not with the not with the issues that they're definitely having. There is a lot of selling off going on, and it's only gonna get greater as that occurs. There may be a chance that they come back and and rebound from that, but I do not see it happening in the future in the near future.","start_word":5830,"end_word":5899,"sentiment":"neutral","sentiment_score":-0.18175098299980164},{"text":"And I think the risk of you seeing greater losses is higher down the track.","start_word":5900,"end_word":5914,"sentiment":"negative","sentiment_score":-0.3997703790664673},{"text":"So I think removing that now is the way to go for you. Okay? Yeah. Okay. Yeah.","start_word":5915,"end_word":5931,"sentiment":"neutral","sentiment_score":-0.11840321868658066},{"text":"Beautiful. So that's the center of those documents there.","start_word":5932,"end_word":5940,"sentiment":"positive","sentiment_score":0.39954063296318054},{"text":"So once you've kind of gone through and you're welcome to go through them, we do ask that you sign and return those back just so we can kinda keep looking after everything for you. Yep. With with your risk profile, so, realistically, you as I kinda went to you in that growth environment there, you've got that eighty twenty split side of things. Are you fairly comfortable with that? Did you wanna kinda go back and review the risk profile, or you're happy you kinda stay in that environment for another year? No. Happy to go for the for another year, definitely. Yep. Yeah. Beautiful. I think, I yeah, can another safely another couple of years of, yeah, a slightly more yeah. risk. It's yeah. Build They on might that. bankrupt Yeah. a bit more. Absolutely. Okay. No. Perfect. Not a problem at all. And you've kind of mentioned to me that your income's up to about 135,000 there at the moment as well. Yep. Sorry. Are you how do you Okay. extend it to within the family? I know I sent through that strategy paper a few months back with regards the cash flow and budgeting side of things. How did that go? Did you happen to implement much of that, or did you get the debts Yeah. paid No. down We've faster? yeah. We we mortgaged, so we're saving a bit on that. We ought to also got a top up. So we're building a deck at the back. That's starting on Thursday, That's right. Yep.","start_word":5941,"end_word":6199,"sentiment":"neutral","sentiment_score":0.0883660203701741},{"text":"Beautiful. which is fantastic.","start_word":6200,"end_word":6203,"sentiment":"positive","sentiment_score":0.776611328125},{"text":"Yep. But, yeah, we've, yeah, got a couple $100 left in our pocket at the end Perfect.","start_word":6204,"end_word":6220,"sentiment":"neutral","sentiment_score":0.18640398979187012},{"text":"of the week sort of thing, which is good. Oh, fantastic.","start_word":6221,"end_word":6231,"sentiment":"positive","sentiment_score":0.5276316404342651},{"text":"If you sort of quantify that extra funds left in your pocket per week, how much would you say you're able to sort of save or are left over with? It'd be 2 to 2 to 300, depends on what we we do during the week. Yep.","start_word":6232,"end_word":6278,"sentiment":"neutral","sentiment_score":0.1166355088353157},{"text":"Beautiful.","start_word":6279,"end_word":6279,"sentiment":"positive","sentiment_score":0.44538918137550354},{"text":"And Yeah. you just have that sort of short term debt that you were paying off as part of the cash on budgeting side of things. Did that all get paid off? Is that all completed now, or do you still Yeah. have That's that loan? that's all now we've we've completed all that. We did throw end Welcome. up putting a little bit onto the during the refinance or the ZIP or whatever Yep. it was, Yep. but that just freed up the, yeah, the rest of the weekly wage. Beautiful. Oh, that's Yeah. fantastic. No. It's That's always worked one out really less well. that makes a big difference. Yeah. Fantastic. Yeah. Definitely.","start_word":6280,"end_word":6394,"sentiment":"neutral","sentiment_score":0.031047476455569267},{"text":"I'm glad to hear that went well.","start_word":6395,"end_word":6401,"sentiment":"positive","sentiment_score":0.4926179051399231},{"text":"Excellent. Yeah. No. I appreciate that. Yeah. No. That's okay. That's what we're here for, honestly. When we sort of look at additional contributions into super and things like that, are you open to maybe looking at salary sacrifice, or are you sorta hoping to not right now focusing on the deck and all the other expenses you've got going on? Potentially, maybe next year. I might Mhmm. look at doing a little bit of salary sacrifice, but not at the moment. Yep. No. That's okay. That's absolutely Yeah. fine. I'll note it down as something that we can kinda consider as a future consideration and a future goal that we can talk about in more detail there. That's absolutely fine.","start_word":6402,"end_word":6522,"sentiment":"neutral","sentiment_score":0.05210964009165764},{"text":"Excellent.","start_word":6523,"end_word":6523,"sentiment":"positive","sentiment_score":0.4531083106994629},{"text":"I've also got other assets down here. So your Ford Everest asset value on that last year was about 60,000. Is that sort of gone up or down in value, or what would you value It that it at would now? have gone it would have depreciated for a couple of thousand, not a not a shame. Yeah. Would you say sort of 55 or Yeah. 50 five to 50 around yep. that mark. I'm not I wouldn't know a 100. No. That's okay. That's not a problem at all. And any that's owned completely debt free, that vehicle as well? Yeah. Yep.","start_word":6524,"end_word":6626,"sentiment":"neutral","sentiment_score":-0.02274044972021603},{"text":"Beautiful.","start_word":6627,"end_word":6627,"sentiment":"positive","sentiment_score":0.5218045711517334},{"text":"And then I've also got contents down here, rough valuation about 100,000. Would you keep that about the same? Or Yeah. At the moment, keep it the same. We will be getting some, well, adult kitchen and some patio furniture, which we'll put up a little bit, but, yeah, Yeah. Perfect. but that's not not just yet. Yeah. No. That's okay. Not a problem at all. And any other assets or liabilities that you would sorta note down here at all? No. No. That's okay.","start_word":6628,"end_word":6712,"sentiment":"neutral","sentiment_score":0.06442911177873611},{"text":"Beautiful.","start_word":6713,"end_word":6713,"sentiment":"positive","sentiment_score":0.434167206287384},{"text":"I've got down here now having a look back, estate planning wise, I've got that you haven't had a will and power of attorney done. Have yourself and Charlene sort of talked about doing up a will, power of attorney, things like that? We have spoken about it. We just haven't done it. Okay.","start_word":6714,"end_word":6767,"sentiment":"neutral","sentiment_score":0.0098192747682333},{"text":"Beautiful.","start_word":6768,"end_word":6768,"sentiment":"positive","sentiment_score":0.3639901876449585},{"text":"That's okay. It is definitely worth sort of looking at doing those sorts of things, especially with your house, your property, things like that. We obviously have your beneficiary nominations on file and make sure your beneficiaries are applied and up to date, but that covers your life insurance and your super. So we do like to just make sure that we're reiterating the importance of having a will power of attorney speaking to a solicitor if you've got one. We can always refer you to our local solicitor here if you wanted to do that. The other option is if you have a look, every state and territory also has, like, the a local trustee or a government trustee who can do at will. Some states do them for free as well, so it can be more cost effective. And the wills are done up by solicitors and lawyers. It's just that they try to make it to, you know, help people to get a will in place who may not be able to afford to. And I could always if you wanted me to, I could always email through after the call some information on your local trust fee. That way, you've kinda got that as a bit of a talking point if you wanted me to. Yeah. That'd be great if you can. Yep.","start_word":6769,"end_word":6995,"sentiment":"neutral","sentiment_score":0.12751593270097009},{"text":"Beautiful. Excellent.","start_word":6996,"end_word":6997,"sentiment":"positive","sentiment_score":0.5469851493835449},{"text":"And they can also help with guardianship and things like that as well because I know you guys have kids. So doing up, Yep. you know, guardianship to sort of protect them if anything happened to the the two of you is also kind of important there as well. Yeah. Yeah. That's fine.","start_word":6998,"end_word":7050,"sentiment":"neutral","sentiment_score":0.17489491403102875},{"text":"Excellent. Beautiful.","start_word":7051,"end_word":7052,"sentiment":"positive","sentiment_score":0.5119627714157104},{"text":"Other than that, it looks like we've got pretty much everything going well. I've got down here that we'll look at, obviously, accessing super at age 60 at the moment. If you did wanna down the track look at, you know, wealth outside of super, let me know. We can definitely talk about that and look at, you know, how you might be able to retire a bit earlier. With the advice, just to kind of recap, make sure I'm on I've got everything down for you, we'll retain your insurances as they are. You're fairly happy with them at the moment. You don't have any trauma or child trauma or anything out of pocket. Did you wanna kinda look at, you know, in-depth more insurances like trauma and child trauma at all? Are you sort of happy with just the cover you've got? No. That that's fine. It's sample. That's okay.","start_word":7053,"end_word":7204,"sentiment":"neutral","sentiment_score":0.08895599097013474},{"text":"Beautiful. Excellent.","start_word":7205,"end_word":7206,"sentiment":"positive","sentiment_score":0.4989691972732544},{"text":"I'll look at the super. I'll reevaluate the portfolio, keeping you in that growth environment there. Look at swapping out any investments that are underperforming. Look at maybe lower cost investments in the portfolio that's working harder as well, and we'll look at that and how it affects you over the next five to ten years. Does that sound okay? Have I kind of missed anything, or is there anything else that you kinda wanted to flag for me to look at for you? No. I think that's that's No? pretty good at the moment. Yeah. Yes.","start_word":7207,"end_word":7303,"sentiment":"neutral","sentiment_score":0.05531886480172578},{"text":"Beautiful. All good.","start_word":7304,"end_word":7306,"sentiment":"positive","sentiment_score":0.4849306046962738},{"text":"Samantha did come back to me. She said that Clearview won't let us review the won't let us review the exclusions yet. We'll get a bit more detail from them soon, hopefully. When they do let us review those exclusions, if they do, then we'll definitely make sure we take care of that with you. But, I'm unfortunately, I've said I'm not assuming quite. they're gonna I'm assuming that it's gonna say it's a a blanket exclusion. They'll try. They'll try. Yes. But there'll come a point where we were able to to look at that. If not, we can always look down the track to see if there's another you can ensure that we'll, you know, you know, try to provide the same level of cover without having those exclusions on file. So Yeah. we'll we'll keep trying. Every year, it's worth reviewing. It's something that I promised you I Yep. would do each year, so I will make sure I do so every year with you and when and if we're able to. Or if they won't come to the party, we'll look at another insurer for you as well. So Yeah. we Cool. do Or always even have just some options. Yeah. yeah. Sorry. Even just trying to find out whether, you know, it will have a review date or whether Yep. it's in a blanket ban. Yeah. Absolutely. I think with the epididymis one, that's probably more of a blanket one. Normally, Yep. with back, depending on the outcome, they often do let you review it. Sometimes it's within one to two years. Sometimes they make you sort of hold off about three to four years, but we'll keep working with Clearview each year. Looks like this year, we've only sort of had it for twelve months, so they're sort of saying not yet. We'll Yeah. just keep kinda reviewing things with them each year. And as long as you've had no ongoing pain, no problems, not having any symptoms or anything like that, there should come a point where they are willing to come to the party and help us out. If they're not, I'll look at other insurers and see what else I can do for you. So we do have other options down the track that I'm willing to explore to help you out. Okay? Sure. Not all Easy. I wanted to make sure as well that I do have good. you booked in for your advice presentation once we've got that research done. It doesn't take too long to do so. I can, if you're comfortable, rebook you in for that now. Would that be okay? Yes, ma'am.","start_word":7307,"end_word":7752,"sentiment":"neutral","sentiment_score":0.0494590385612351},{"text":"Yep. Beautiful.","start_word":7753,"end_word":7754,"sentiment":"positive","sentiment_score":0.4424496591091156},{"text":"So it probably takes, I reckon, about two weeks to do so. So I can have everything kinda done for you the week of the September 7. It's about Yeah. two weeks away. Is there a day or an afternoon that sort of suits you best to kinda go through the updated advice? Probably on a Wednesday Yep.","start_word":7755,"end_word":7812,"sentiment":"neutral","sentiment_score":0.1002299264073372},{"text":"would be Beautiful.","start_word":7813,"end_word":7815,"sentiment":"positive","sentiment_score":0.35632604360580444},{"text":"best. Yeah. And sort of afternoon or morning? Yeah. In the in the afternoon, around this time, like, the 03:30 mark. Yep. Yep.","start_word":7816,"end_word":7838,"sentiment":"neutral","sentiment_score":0.08088148385286331},{"text":"Perfect.","start_word":7839,"end_word":7839,"sentiment":"positive","sentiment_score":0.4611392617225647},{"text":"I do have 03:30 available on the Wednesday, September 9 for you. So I'll pop Yep. that in there. I'll add a little text message reminder so it sends you a message to let you know. I'll get stuck into the research to remove Bandalong and any other investments we maybe need to remove for you.","start_word":7840,"end_word":7895,"sentiment":"neutral","sentiment_score":0.18906667828559875},{"text":"We'll get that advice out to you nice and quickly in that two weeks on the ninth.","start_word":7896,"end_word":7912,"sentiment":"positive","sentiment_score":0.3843058943748474},{"text":"We'll go through it, and then you can sort of see what I'm recommending, how and why the advantages, disadvantages, and the risks involved then. How does that sound? No. Cool. Yeah.","start_word":7913,"end_word":7944,"sentiment":"neutral","sentiment_score":0.05691700056195259},{"text":"Beautiful. Thank you so much for this afternoon, Travis.","start_word":7945,"end_word":7953,"sentiment":"positive","sentiment_score":0.6862518787384033},{"text":"I hope you Not have too a lovely dumb. afternoon. Are you You done too. for the day? Or thank Yeah. you. I'm I'm done for the day. Yep.","start_word":7954,"end_word":7982,"sentiment":"neutral","sentiment_score":0.1136302575469017},{"text":"So Beautiful. I'm home, Well, which you is excellent. nice. You get to put your feet up and relax. Yeah. Beautiful. Well, thank you so much for taking my call. I'll get stuck into this research. Just update your advice and keep working forward towards your goals. I'm looking forward to being a part of all of this and working towards your retirement.","start_word":7983,"end_word":8045,"sentiment":"positive","sentiment_score":0.6593419313430786},{"text":"And if there's anything you need in the meantime, please let Not too easy.","start_word":8046,"end_word":8059,"sentiment":"neutral","sentiment_score":0.1469230204820633},{"text":"Thank you very much.","start_word":8060,"end_word":8063,"sentiment":"positive","sentiment_score":0.5860061049461365},{"text":"me know. Okay?","start_word":8064,"end_word":8066,"sentiment":"neutral","sentiment_score":0.2780197262763977},{"text":"My pleasure. Enjoy your afternoon. Thanks, Travis.","start_word":8067,"end_word":8073,"sentiment":"positive","sentiment_score":0.6124728322029114},{"text":"No. You too. Bye. See you later. Bye.","start_word":8074,"end_word":8081,"sentiment":"neutral","sentiment_score":0.1476275622844696}],"average":{"sentiment":"neutral","sentiment_score":0.07301241369808421}}}}