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Oh, wow. How's your day been? Oh, no. Oh, no. Oh, goodness me. Sounds like you've had an eventful one. That's for sure. No. Absolutely. No. My mom's an age 10 nurse, and, yeah, she goes through those ups and downs. She has days where she goes, wow. It was a funny day and days where she goes, that was a really hard, horrible day. So I understand. I bet. It never gets easier. Yeah. Yeah. No. Understandable. Well, as I kinda mentioned there, Deborah, that got you booked in to go through your annual review today. Now do you happen to have access to your emails at the moment? If you don't, that's absolutely fine. You do? That's okay. I'm just gonna send yay. Not a problem. Beautiful. I'm sending that one through to you now. It's just got your annual review pack there for you. And before we jump in the call, I do just have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to also do security there with you as well, just confirming your full name, your address, and date of birth I should have. Yep. Address. Sorry. Beautiful. Thank you so much for that. Now, hopefully, the email comes through fairly quickly there for you. If it doesn't, let me know. It did all good. I do like when technology works to our advantage. That's it. All good. Now when you open that one there, there is a document there to sign, but I don't I don't want you to sign it out of the app. We do have underneath at the bottom, if you kinda scroll down a little bit, just a couple of additional attachments there. And they're essentially your annual review documents I'm gonna run through. One of them should say superannuation summary and insurances. Is that the one you can see there? Yep. That's the one that's gonna ask you to sign, but I don't want you to sign anything as of yet. Is there if you scroll down, can you see the attachments? Because I did attach it about six or seven different documents there. If not, you might need to go back out just to the original email. Yeah. That's okay. Yep. If you when you yes. That's the email. Normally, when you open that, you just yep. That's the one. Yeah. Sorry. No. It's normally at the very bottom. It's like a little blue writing. Yeah. So sorry. Yep. Yep. And if you no, sir. If you just ignore those couple because they're just the the IT services guide, underneath that, one of those should say super and insurances or summary. Yep. That's the one you're after. That's just giving you an updated balance there. So just to give you a bit of a run through first up of your super, as of the June 12, which is when we prepared these documents there for you, your balance is 66,234 and 77¢ there. So you have had a good increase coming on board. The other document, if you go back out, there should be another one that says performance with IRR or internal rate of return. Can you see a document that says performance at all? That's okay. You're fine. I'm so sorry. That's the one. Yeah. Yeah. So this one here outlines all the individual assets and how they have performed in your secret for the last twelve months. When you're looking at that one, the first page, you'll see it has a list of all the individual investments that you have there. And across the second last column shows how they have all performed individually, which is not doing too bad. Everything is working quite nicely. I can just see you've got your India investment, which is down at moment about 20% down, and the Benelon Australian Equities is down to that 19%. Those two, I actually think I would probably have a bit of a look at your statement beforehand. I'd like to go back and just review those investments and maybe look at switching them out if there's something better. I definitely don't wanna have any underperforming investments, and every so often, it's good to have those reevaluated. Are you happy with me doing that for you, Jo? Yeah. Yep. Fantastic. Let's look at putting something better in its place there for you. If you scroll down to the second page of that document, this kinda shows you an overall look of how your super has performed and necessities for the year. So if you look at the second last column there, it has internal rate of return, and underneath that, it says 3.49%. Can you see that there? Yeah. So it's showing you that after fees, so net of fees, your super has shown a a positive return for the year of 3.49%. So it is very much a lower return than what we'd like to get out of the growth portfolio. So because you're in that growth environment there, we're sort of chasing an average return of around about seven to 9%. So it is definitely lower. It's sort of being held back by those two underperforming investments, the Bannalong and Equities and the India exposure, and they're seeing a lot of volatility again because of what's been happening globally. So I'll go back and review those two investments, look at maybe removing those and replacing them with something better for you, and look at seeing if we can get your super working a bit harder for you. How does that sound? Beautiful. However, it is important to note that having a positive return at the moment is still a good thing because of what we have seen with The US and Iran and what's happening globally there. The markets have been very up and down. I'm sure you've been hearing a lot about what's happening in the news. Can't really escape any of it, can you? Yep. Yep. I understand. Yeah. But now, if you have got a positive return for these, that is a good thing, albeit a much lower return than expected. We have seen a bit more volatility in the market. And, obviously, within Australia, we've also seen very much high inflation as well. So that is at the moment, you know, having the RBA and the government trying to compact combat that inflation. But when we sort of talk to your local economists, they are also just saying that we expect that high inflation to stick around possibly until about the end of the year, maybe early next year. So we'll see what happens moving forward. I know they are meant to be putting out an update shortly. I haven't actually seen the update being released today, but they were hoping to hold interest rates today. So we'll see what comes out this afternoon. Yeah. So that's essentially giving you an update on your super there at the moment. I definitely wanna review some of those investments for you. But do you have any questions about your super or anything specific about what we've gone through? Or no? Fantastic. Good to see. Well, what I do also wanna do with you this afternoon, this is a bit of a quick risk profile questionnaire as well just to make sure you are still in should be invested in that growth environment. It helps me to determine when and if we should be maybe reducing or risk or changing your exposure level. Okay? The first one here is have you ever owned shares or investments in your own name before? Nope. That's okay. Beautiful. The next one here is looking at the time horizon. So when you came on board originally back in 2024 sorry. Can you hear me okay, Jess? Yeah. Sorry. I thought the phone just cut out. I do apologize. The we originally worked on a goal of being able to or hopefully retire around about age 65. Are you still working on that goal? Are you hoping to retire earlier? What are you sort of thinking moving forward? Yep. Yep. Beautiful. Okay. Five years younger than you. Is he wanting to retire about when you are, or do you think you work a bit longer to get to his retirement age? Or Yep. Yep. No. Not a problem at all. And having a look at things at the moment, now you're 52 this year. Is that right? Yeah. That's okay. We got plenty of time ahead of us there at the moment. Even based on that age, it's absolutely fine. Perfect. Now the next question here is about volatility, and it's basically asking how much risk do you see yourself comfortable taking in order to get those higher returns out of your super? Do you consider yourself to be a high risk taker? You want the best returns you possibly can to get, you you know, to to get yourself to your super higher and to get your goal. Do you maybe consider yourself to be more of a moderate or medium risk taker to try and get the best returns you possibly can or not a risk taker at all getting next to no returns? How How do you sort of see yourself in there? Yep. Yep. That's okay. Beautiful. Not a problem. So you probably see yourself in the middle range there at the moment. Yep. Absolutely fine. The next one here, it says, if you pull your super four by 20% in the next sort of six to twelve months, how do you think you might be feeling? Are you thinking it's a buying opportunity? Wanna put, like, a large lump sum of money in, take advantage of the downtime? Maybe hold and wait, speak to us and see what we think you should do, or are you more likely to try and sell that asset and put your money in cash? Yep. No. Yeah. Absolutely. No. Not not a problem at all. The second last one here, it says, have you ever seen your super fall in value? Knowing that you you know, as you've kinda said to me, it can be quite concerning when you do see it fall in value. Do you think if you fall a market dip in the future, you might be feeling cautious, concerned, anxious, or optimistic? Where do you think you might fall in that category? Anxious. Yeah. That's absolutely okay. Beautiful. Fantastic. Now you have scored in that growth environment there. So as we kind of have you at the moment, a growth profile generally sees about 80% of your super in more of that high risk environment. So looking at things like international shares, Australian shares, property, and also commodities like gold and silver. You've got some of the gold in your portfolio as well. And then the other smaller 20% is seem to be in a low risk environment, things like cash, bonds, and fixed interest. What we're sort of wanting to do with this sort of asset allocation is have some of your money in those higher growth in assets, like the international and Australian shares, properties, and commodities because that's where you get a lot of your growth from. But we don't wanna have all of your money sitting in there because those investments are the ones that go up and down. That's what makes you feel nervous when you hear the news and they tell you that $50,000,000,000 is being wiped off the market. It's because those equities, those shares have dropped in value or they've gone down a little bit. There's been a big sell off. Not with that $80.20 split that you have at the moment, as I kinda mentioned before, we're looking for an average rate of return of about seven to 9% on a yearly basis, and you can expect a negative return generally every one and every five years. So it's about yeah. So, realistically, when you think about the risk level you're taking in this sort of environment, if you, you know, have risk on a scale of one to five, five being aggressive, very risky, all in those high growth investments, and one being no risk at all, sitting a 100% cash, not making any money, essentially, you're probably sitting between a three and a four there. So you're not at the highest level. You're kind of in that mid range a little bit. You've got quite a good hold of those growth assets trying to get you super working harder, but you do also have a mix of some lower risk investments for that defensive low risk component. Does that make sense? Yeah. Yeah. Did you want me to keep you in that kind of environment? And, realistically, this kind of a portfolio does suit somebody at least six years before they're accessing their super. So based on your age this year and if you would've worked at age 65, you still have more than ten years ahead of you. But are you comfortable sort of studying this environment, or did you want me to sort of look at something a bit more low lower risk for you? Yeah. That's okay. Yeah. Beautiful. Well, I won't see you wrong. I won't see you wrong. And that's why it's good to have the conversations. Part of what I love about my job isn't just telling you what to do with your super and your investments, but helping to educate you as well because we don't learn any of this at school. You know? And it's not something that we all get taught on a regular basis. So, you know, learning about investments and kind of building the confidence is is also a part of my job that I really enjoy. Okay? That's all good. So, I mean, time horizon wise, the growth portfolio still suits where you are. What I'll do, if you like, is I'll go back, review the portfolio. I'll look at how you invested, remove those couple of investments that are underperforming for you, and I'll look at putting something else that's placed, making sure we're, you know, factoring in the risk side of things, making sure that we have some low risk investments, but also investments that have got performance behind them. Does that sound okay? Fantastic. Excellent. Now the other thing to have a really good chat about is your insurances. So at the moment, you do have your life and your TBD, which is paid out of your super. When you came board onboard originally, you wanted to make sure that you could pay out your mortgage in the event of passing away and also a total permanent disability there. So when I look at the total, because if you were to pass away, probably nothing happens. But if you were to pass away, your current life insurance, some insured, you have a 157,500. We had it noted that your mortgage was at about 65,000. Have you reduced that a little bit since then? Or yeah? Oh, fantastic. Okay. Perfect. So with the investment property sorry. I'm just popping that in here for you. What's the do you have a loan on the investment property at the moment? Yeah. How much do you owe on that one? That's okay. Do you think it would be around about that $4.50 mark? Yep. Yep. Could be more. That's okay. Not a problem at all. I'll make a little note here for you. All good. And how long ago did you have that property built? Yeah. Okay. Lovely. And do you think the the value of that property will be around what the build cost was, or do you think it might have increased in value a little bit since then? Yeah. No. That's okay. Yeah. That's okay. What's the suburb the property is in? I could have a look at the rough valuation of the investment if you like. That's okay. You're absolutely fine. You're right. Yeah. You're right. Woodstock. Beautiful. And did you know what approximate loan value would be on that one at the moment? Legend. Thank you so much. Beautiful. 790,000. Lovely. And just while I've got you here, just updating values for me. Your main primary residence, we did have it noted about 940,000. What sort of value would you guys put on that one now? Okay. Yep. I can have a look at that. That's Michelle. Not a problem. I'll have a look at what Michelle put on there. Thank you for confirming and approving that for me. Not a problem at all. With the I've got down here that you've also had one car noted with an asset value of 12,000. Do you guys have two cars there as well? Oh, lovely. Fantastic. How do you find it? Fantastic. Yeah. Wow. Yeah. Yep. Yeah. Yeah. Oh, wow. Yep. Yep. Understandable. Oh goodness. Well, I'm glad you're enjoying it. It's a beautiful car. That's for sure. I just had a quick Google of what they look like. Absolute gorgeous car. I'm glad you're enjoying that one. Beautiful. Oh, that's okay. You are fine. So, Joe, just to kinda get back to the insurance, this is the main reason I wanted to update you with the loan values was because when you came on board, your goal was to be able to pay out your mortgage in the event of passing. With the investment property now, the life cover of $1.57 500 doesn't quite cover the investment property loan, but it does kinda cover the main primary residence loan still. Are you happy with that life cover? Did you wanna look at increasing that? What's your thought? Well, it really depends on what it is that you're after. So there's one of two ways this could essentially go. If you were to pass away, the the $1.57 500 could pay off the loan on the main primary residence there. But then it just kinda comes down to what you guys would wanna do with the investment property. Do you think that Richard would sell the investment property, or would he wanna pay it off, have the loan paid right down and clear it and keep it, or what do you think he would wanna do with that? Or would you want Yep. Yep. Okay. No worries, though. So you'd be happy with just your life cover paying off your main primary residence, leaving him free and clear with that debt and then possibly selling off the investment property? Yep. Yep. Perfect. And with the TBD cover, you have the same level of of cover, the one fifty seven five hundred. Are you happy with that level of cover for TBD as well? Did you wanna look at altering that at all? So it's total permanent disability. It pays at a lump sum benefit in the event that you're unable to ever go back to work again. So you're permanently disabled. Yeah. Yep. Yeah. That's fine. Not a problem at all. If you like if you decide that you do wanna review the insurance amount and you wanna maybe look at getting new cover or increasing the cover, feel free to just let me know. Give me a call. After the call, did you want me to send you an email just for the breakdown of the insurances that you've got? It's also on the email with the certificate of currency, but I can send you a separate email just for the breakdown so you can have a really good chat about those. And it'll let you know how these are paid, what they can cover, how they work to give you a bit of context around each of them as well. Fantastic. Not a problem at all. Now the other cover you do have is income protection. It can cover up to 70% of your income if you're off work due to illness or injury. What's your income at the moment? Has that increased since we last called out? Yep. 70 four hours? Yes. Yeah. Yep. Yeah. That's okay. I've worked it at roughly about 70,000 per annum. Yes. Yep. Okay. So you probably hit that sort of $73,000 mark this year given the couple of weeks that we have left roughly. Yeah. So if we Yeah. That's okay. If I work it on, say, 75,000 to give you a bit of a buffer, just kind of increasing a little bit. When we look at income protection there, the monthly benefit you have at the moment is about 4,372 and 65¢. The monthly benefit based on an income of 75,000 need means that we need to cover you for $4,003.07 5. So you're probably only about 2 or $3 off actually having the right level of cover for income protection. And every time these policies go through renewal, they do have to increase a little bit each year as well. So your income protection level is pretty accurate for your income at the moment, which is good. But I will just send through that email breaking down the covers you have, what each of them cover, how they work, and you can let me know if you'd wanna review any of them or alter them. Is that okay? Yep. That's okay. Now just to kind of explain the difference, the some of the things around the income protection, you have what's called a sixty day waiting period. That means that if you are off work, you just have to be off work for sixty days prior to being able to claim on your income protection policy. We would just say if you are off work and you think you're gonna be off work for that time frame and you're gonna need to claim on income protection, just give me a call. Have a chat to me, and I can have a bit of a look, and we can work out a plan of attack to have that claim sorted for you. Okay? And you have a two year benefit period. So it just means that if you're on your income protection, they will pay that benefit for two years. At the end of the two years, if you still can't go back to work, the benefit stops. So they stop paying the income protection claim, and it's just about making sure you can either go back to work or you have other funds to cover your living expenses. Does that make sense? Yep. Yep. Beautiful. Most claims are covered within that two year benefit period. As you can imagine, when it comes to insurances, especially income protection, as soon as you go on claim and they know you're off work, they're doing everything possible to get you back to work. So most claims are done in that two year period. Okay? All good. Your insurances for this year are out of your super fund. You paid $3,716.75. These insurances do get more expensive as you get older because the risk of you making a claim increases as well. So, again, if you I'll send you the email after break it all down to make it nice and clear. Sometimes it's easy just to see it in writing as well. And then you can let me know if you have any additional questions or wanna review the insurances in detail. Okay? Beautiful. And, Joe, just so you know, you don't have to wait till review time. If you, you know, in a couple of months decide, yeah, you do wanna look at them, just give me a buzz. Let me know. I'll make some time to have a chat to you about it. You are not limited to one call a year. I'll call you as many times a year as you need me to. Okay? That's okay. So that's basically a breakdown of your super and the insurances. A couple of little things for me to go back and research there for you, which will be great. I'll update the advice document to reflect that for you. The only other thing I do need to point out when it comes to insurances are you've got life keeping and income protection. You're not paying for any additional covers outside of sleepers, so there are other insurances that you can obtain, things like trauma, and trauma pays out a benefit if you stay diagnosed with Parkinson's or cancer, or if you have a heart attack or a stroke, things like that. Insurances like trauma, you can't pay for inside. Super, they are only paid for out of your back pocket. Did you wanna look at maybe having me put down some information around what trauma is and how that works for you to maybe have a think about? Or yes. Beautiful. I'll add that into the email there for you, and you can let me know what you wanna do, whether you wanna review or look at getting any new cover. Okay? Beautiful. Now with your, expenditures, so we've got your income here, which is great. Income's definitely increased on where we had it when you first came on board, which is fantastic. Having a bit of a look, are you open to making additional contributions to kind of boost your super, or are you finding in rather not at the moment? You really don't have to put in anything. It more just comes down to what you're comfortable with. So, you know, in order to sort of build super a little bit faster, one one of the ways is making sure your portfolio is performing and that we're getting good returns, but there are other ways to provide a greater boost to super and build it faster, and that's by making additional contributions. If we looked at, say, salary sacrifice, which is a pretax contribution, you could be putting more into your super, and it also helps to reduce your taxable income a bit as well because that money comes out before your income tax is calculated. Not everybody wants to, but it's more just about working out whether you're comfortable looking at doing that or whether you prefer not to right now. Additional contributions. Not a problem at all. I'll add that into the email there for you, and I'll just get one of my admin team over the next week or so just to follow-up and see if you have any questions in relation to email or if there's anything that you wanted to, you know, to talk further about. Okay? Excellent. Are you guys many finding that you're putting much away out of your income at the end of the week, or are you finding most of it's going towards your bills and expenditure? You do? Yep. On average, how much would you say you're putting away on a weekly or fortnightly basis? Yep. To live on. Yep. That's okay. So would you say if I work out your income, so most of yours is kind of going into savings at the moment. So that by, what, seventy four hours. So you're it's probably yeah. That's okay. Would you say that you're, on average, able to put away about a thousand dollars on a fortnightly basis or a little bit more? How would you sort of yep. That's okay. Yep. That's okay. Beautiful. Just on average. I'll just pop that down there for you. And how's the renovating going? It's always a good idea, isn't it, until we start? Yep. Oh, wow. It's a lot. That's a lot. No. I hope it all goes well. It'd be good once it's all done. Yeah. Yeah. Yeah. Yeah. Absolutely. No. Understandable. Wow. It's a big job, that renovating, isn't it? Yes. Absolutely. No. Understandable. Yeah. Yep. I'm the same with the landscaping at the moment. Trying to do the landscaping, and it's just never ending. Yep. Yeah. Wow. Oh, goodness me. Fair enough. Fair enough. All good. I'm just having a real quick look at your beneficiaries on file as well. So I can't see the beneficiary for Zurich, but I will just double check. Your super beneficiary is noted there as your husband, Richard, in the event that something was to happen. Are you happy and comfortable with how that is set up? Yep. Fantastic. And you want me to make sure that your life insurance has the same beneficiary. Yeah. Beautiful. What I'll do is I'll get the team to go back and double check with Zurich to make sure it is applied correctly. If it's not, we'll get a form done up and sent out to you. Okay? Fantastic. And do you guys have a valid will? Have you drawn up a will in the past at all? Nope. That's okay. Is it something you just talked about doing? No. Absolutely. It's something, unfortunately, I have to do on a very regular basis. But, essentially, with your your super and your life insurances, we have the beneficiary nominations applied. That way, you're protected if anything happens. Your super and your life cover is paid out to where you want it to go. But this sort of looking at all the assets that you do have outside of super, so your house, your contents, all your jewelry, your savings accounts, your investment property, your cars, all of those things. If something happened to you and or to both of you without having a will, it essentially has to go through what's called a probate process. And even though, yeah, even though in most states, everything goes directly to your husband, it doesn't always work that way. I have seen where where one spouse has passed away, and because it you passed away intestate, it goes through a process called probate. And that is essentially a legal process where anyone can come forward and stake a claim on what they think they're entitled to, and the courts actually make a decision. So a judge has to decide who's entitled to things. Normally, they just follow legislation normally where your spouse should inherit most things, like, you know, depending on how your house is, you know, purchased together, that would automatically go to him. However, if the judge sees that someone has staked the claim and they're entitled to that claim, I have seen it where, you know, other people have received money or parts of property or, you know, parts of your estate where the person who passed away just didn't want that money to go in that direction. They didn't want that person to have any part of it. So as much as you guys are together and I hope nothing happens, it is really important to maybe have that conversation, talk about having a will drawn up together and, you know, the importance of protecting all of your investments, all of your assets, everything you own and have worked so hard to build that is not super annual life insurance as well. Does that make sense? Yeah. Yeah. It's just one of those things that we do like to bring out and make sure that we are sort of just talking with you guys about because not everyone has one. A lot of people don't think about doing up a will, and a lot of people I speak to would just assume that everything goes to their spouse automatically. And whilst most legislation state that the spouse is the next one to receive most things, it it doesn't always work that way because it does have to go through the court system, and a judge decides who's entitled to property, how it should be paid out, and it's not always in in accordance with the person's wishes that's passed away, unfortunately. So, yeah, so it is it's definitely something to have a chat about. If you like as part of that email, I can add a little bit of information and just give you, like, a brochure on one of the local solicitors. It's not a referral or anything. It's just a bit of a costing to start the conversation between you, but, like, this is how much it costs to do a will and a power of attorney, you know, what's important to us, what do we want to happen, things like that. Does that make sense? Did you want me to do that for you as well? Yeah. Beautiful. It's not something you wanna think about, but it's one of those things, isn't it? Yeah. It's a very difficult conversation to have, but it's definitely one of the most important conversations to have with our families. So yeah. No. Perfect. Oh, I will pop that in the email for you as well just so you've got a bit of context around those things. And then, Joe, you'll also have my email. So if you wanna reply back with any additional questions, you're welcome to. I will answer them. If you need to talk about anything in further detail, let me know. I'll book you in, and we can go through a time to discuss whatever it is that you possibly need. Okay? That's okay. Not a problem at all. Now attach that email as you kinda noted before, we did also have the ongoing service agreement. So having us as your financial advisers looking after your super, we do charge the ongoing service fee. Because yourself and your husband are both clients with us, your ongoing fee you pay is 1.1%, so it is reduced from our normal fee. That that document sorry. That's gonna ask you to sign. It's just confirming you're happy to remain as a client and allowing us to continue charging that fee for the next twelve months. And I will, for the time being, go back and update the advice for you and look at just replacing some of those investments for you as well, keeping you with that growth portfolio. Are you comfortable at the moment whilst you're looking at the insurances? If anything comes back and you decide you wanna reevaluate insurances, let me know. We can have a really in-depth conversation, and I can always include that in that advice piece for you. But for the time being, it'll just be around the investment side of things. Is that okay? Beautiful. I know I clobbered a lot today, but is there anything that you think I might have missed or anything that you wanted me to sort of bring up or chat to you about other than anything we have gone through at the moment? Sorry. That's okay. Perfect. Well, what I'll do is I will let you go. I'll follow-up with that email that just sort of goes through those bits and pieces, and you're welcome to email me back anything additional that you might have. Okay? Oh, my pleasure, Joe. Thank you so much for your time. You have a good afternoon. A rest for one too. Thanks for your time. We'll talk to you soon. See you later. Thanks. 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Joanne. This is Dana from Oakview Financial. How are you this afternoon? That's good. I had you booked in to go through your annual review today.\n\nIs now still a good time there for you? Oh, wow. How's your day been? Oh, no. Oh, no.\n\nOh, goodness me. Sounds like you've had an eventful one. That's for sure. No. Absolutely.\n\nNo. My mom's an age 10 nurse, and, yeah, she goes through those ups and downs. She has days where she goes, wow. It was a funny day and days where she goes, that was a really hard, horrible day. So I understand.\n\nI bet. It never gets easier. Yeah. Yeah. No.\n\nUnderstandable. Well, as I kinda mentioned there, Deborah, that got you booked in to go through your annual review today. Now do you happen to have access to your emails at the moment? If you don't, that's absolutely fine. You do?\n\nThat's okay. I'm just gonna send yay. Not a problem. Beautiful. I'm sending that one through to you now.\n\nIt's just got your annual review pack there for you. And before we jump in the call, I do just have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to also do security there with you as well, just confirming your full name, your address, and date of birth I should have.\n\nYep. Address. Sorry. Beautiful. Thank you so much for that.\n\nNow, hopefully, the email comes through fairly quickly there for you. If it doesn't, let me know. It did all good. I do like when technology works to our advantage. That's it.\n\nAll good. Now when you open that one there, there is a document there to sign, but I don't I don't want you to sign it out of the app. We do have underneath at the bottom, if you kinda scroll down a little bit, just a couple of additional attachments there. And they're essentially your annual review documents I'm gonna run through. One of them should say superannuation summary and insurances.\n\nIs that the one you can see there? Yep. That's the one that's gonna ask you to sign, but I don't want you to sign anything as of yet. Is there if you scroll down, can you see the attachments? Because I did attach it about six or seven different documents there.\n\nIf not, you might need to go back out just to the original email. Yeah. That's okay. Yep. If you when you yes.\n\nThat's the email. Normally, when you open that, you just yep. That's the one. Yeah. Sorry.\n\nNo. It's normally at the very bottom. It's like a little blue writing. Yeah. So sorry.\n\nYep. Yep. And if you no, sir. If you just ignore those couple because they're just the the IT services guide, underneath that, one of those should say super and insurances or summary. Yep.\n\nThat's the one you're after. That's just giving you an updated balance there. So just to give you a bit of a run through first up of your super, as of the June 12, which is when we prepared these documents there for you, your balance is 66,234 and 77¢ there. So you have had a good increase coming on board. The other document, if you go back out, there should be another one that says performance with IRR or internal rate of return.\n\nCan you see a document that says performance at all? That's okay. You're fine. I'm so sorry. That's the one.\n\nYeah. Yeah. So this one here outlines all the individual assets and how they have performed in your secret for the last twelve months. When you're looking at that one, the first page, you'll see it has a list of all the individual investments that you have there. And across the second last column shows how they have all performed individually, which is not doing too bad.\n\nEverything is working quite nicely. I can just see you've got your India investment, which is down at moment about 20% down, and the Benelon Australian Equities is down to that 19%. Those two, I actually think I would probably have a bit of a look at your statement beforehand. I'd like to go back and just review those investments and maybe look at switching them out if there's something better. I definitely don't wanna have any underperforming investments, and every so often, it's good to have those reevaluated.\n\nAre you happy with me doing that for you, Jo? Yeah. Yep. Fantastic. Let's look at putting something better in its place there for you.\n\nIf you scroll down to the second page of that document, this kinda shows you an overall look of how your super has performed and necessities for the year. So if you look at the second last column there, it has internal rate of return, and underneath that, it says 3.49%. Can you see that there? Yeah. So it's showing you that after fees, so net of fees, your super has shown a a positive return for the year of 3.49%.\n\nSo it is very much a lower return than what we'd like to get out of the growth portfolio. So because you're in that growth environment there, we're sort of chasing an average return of around about seven to 9%. So it is definitely lower. It's sort of being held back by those two underperforming investments, the Bannalong and Equities and the India exposure, and they're seeing a lot of volatility again because of what's been happening globally. So I'll go back and review those two investments, look at maybe removing those and replacing them with something better for you, and look at seeing if we can get your super working a bit harder for you.\n\nHow does that sound? Beautiful. However, it is important to note that having a positive return at the moment is still a good thing because of what we have seen with The US and Iran and what's happening globally there. The markets have been very up and down. I'm sure you've been hearing a lot about what's happening in the news.\n\nCan't really escape any of it, can you? Yep. Yep. I understand. Yeah.\n\nBut now, if you have got a positive return for these, that is a good thing, albeit a much lower return than expected. We have seen a bit more volatility in the market. And, obviously, within Australia, we've also seen very much high inflation as well. So that is at the moment, you know, having the RBA and the government trying to compact combat that inflation. But when we sort of talk to your local economists, they are also just saying that we expect that high inflation to stick around possibly until about the end of the year, maybe early next year.\n\nSo we'll see what happens moving forward. I know they are meant to be putting out an update shortly. I haven't actually seen the update being released today, but they were hoping to hold interest rates today. So we'll see what comes out this afternoon. Yeah.\n\nSo that's essentially giving you an update on your super there at the moment. I definitely wanna review some of those investments for you. But do you have any questions about your super or anything specific about what we've gone through? Or no? Fantastic.\n\nGood to see. Well, what I do also wanna do with you this afternoon, this is a bit of a quick risk profile questionnaire as well just to make sure you are still in should be invested in that growth environment. It helps me to determine when and if we should be maybe reducing or risk or changing your exposure level. Okay? The first one here is have you ever owned shares or investments in your own name before?\n\nNope. That's okay. Beautiful. The next one here is looking at the time horizon. So when you came on board originally back in 2024 sorry.\n\nCan you hear me okay, Jess? Yeah. Sorry. I thought the phone just cut out. I do apologize.\n\nThe we originally worked on a goal of being able to or hopefully retire around about age 65. Are you still working on that goal? Are you hoping to retire earlier? What are you sort of thinking moving forward? Yep.\n\nYep. Beautiful. Okay. Five years younger than you. Is he wanting to retire about when you are, or do you think you work a bit longer to get to his retirement age?\n\nOr Yep. Yep. No. Not a problem at all. And having a look at things at the moment, now you're 52 this year.\n\nIs that right? Yeah. That's okay. We got plenty of time ahead of us there at the moment. Even based on that age, it's absolutely fine.\n\nPerfect. Now the next question here is about volatility, and it's basically asking how much risk do you see yourself comfortable taking in order to get those higher returns out of your super? Do you consider yourself to be a high risk taker? You want the best returns you possibly can to get, you you know, to to get yourself to your super higher and to get your goal. Do you maybe consider yourself to be more of a moderate or medium risk taker to try and get the best returns you possibly can or not a risk taker at all getting next to no returns?\n\nHow How do you sort of see yourself in there? Yep. Yep. That's okay. Beautiful.\n\nNot a problem. So you probably see yourself in the middle range there at the moment. Yep. Absolutely fine. The next one here, it says, if you pull your super four by 20% in the next sort of six to twelve months, how do you think you might be feeling?\n\nAre you thinking it's a buying opportunity? Wanna put, like, a large lump sum of money in, take advantage of the downtime? Maybe hold and wait, speak to us and see what we think you should do, or are you more likely to try and sell that asset and put your money in cash? Yep. No.\n\nYeah. Absolutely. No. Not not a problem at all. The second last one here, it says, have you ever seen your super fall in value?\n\nKnowing that you you know, as you've kinda said to me, it can be quite concerning when you do see it fall in value. Do you think if you fall a market dip in the future, you might be feeling cautious, concerned, anxious, or optimistic? Where do you think you might fall in that category? Anxious. Yeah.\n\nThat's absolutely okay. Beautiful. Fantastic. Now you have scored in that growth environment there. So as we kind of have you at the moment, a growth profile generally sees about 80% of your super in more of that high risk environment.\n\nSo looking at things like international shares, Australian shares, property, and also commodities like gold and silver. You've got some of the gold in your portfolio as well. And then the other smaller 20% is seem to be in a low risk environment, things like cash, bonds, and fixed interest. What we're sort of wanting to do with this sort of asset allocation is have some of your money in those higher growth in assets, like the international and Australian shares, properties, and commodities because that's where you get a lot of your growth from. But we don't wanna have all of your money sitting in there because those investments are the ones that go up and down.\n\nThat's what makes you feel nervous when you hear the news and they tell you that $50,000,000,000 is being wiped off the market. It's because those equities, those shares have dropped in value or they've gone down a little bit. There's been a big sell off. Not with that $80.20 split that you have at the moment, as I kinda mentioned before, we're looking for an average rate of return of about seven to 9% on a yearly basis, and you can expect a negative return generally every one and every five years. So it's about yeah.\n\nSo, realistically, when you think about the risk level you're taking in this sort of environment, if you, you know, have risk on a scale of one to five, five being aggressive, very risky, all in those high growth investments, and one being no risk at all, sitting a 100% cash, not making any money, essentially, you're probably sitting between a three and a four there. So you're not at the highest level. You're kind of in that mid range a little bit. You've got quite a good hold of those growth assets trying to get you super working harder, but you do also have a mix of some lower risk investments for that defensive low risk component. Does that make sense?\n\nYeah. Yeah. Did you want me to keep you in that kind of environment? And, realistically, this kind of a portfolio does suit somebody at least six years before they're accessing their super. So based on your age this year and if you would've worked at age 65, you still have more than ten years ahead of you.\n\nBut are you comfortable sort of studying this environment, or did you want me to sort of look at something a bit more low lower risk for you? Yeah. That's okay. Yeah. Beautiful.\n\nWell, I won't see you wrong. I won't see you wrong. And that's why it's good to have the conversations. Part of what I love about my job isn't just telling you what to do with your super and your investments, but helping to educate you as well because we don't learn any of this at school. You know?\n\nAnd it's not something that we all get taught on a regular basis. So, you know, learning about investments and kind of building the confidence is is also a part of my job that I really enjoy. Okay? That's all good. So, I mean, time horizon wise, the growth portfolio still suits where you are.\n\nWhat I'll do, if you like, is I'll go back, review the portfolio. I'll look at how you invested, remove those couple of investments that are underperforming for you, and I'll look at putting something else that's placed, making sure we're, you know, factoring in the risk side of things, making sure that we have some low risk investments, but also investments that have got performance behind them. Does that sound okay? Fantastic. Excellent.\n\nNow the other thing to have a really good chat about is your insurances. So at the moment, you do have your life and your TBD, which is paid out of your super. When you came board onboard originally, you wanted to make sure that you could pay out your mortgage in the event of passing away and also a total permanent disability there. So when I look at the total, because if you were to pass away, probably nothing happens. But if you were to pass away, your current life insurance, some insured, you have a 157,500.\n\nWe had it noted that your mortgage was at about 65,000. Have you reduced that a little bit since then? Or yeah? Oh, fantastic. Okay.\n\nPerfect. So with the investment property sorry. I'm just popping that in here for you. What's the do you have a loan on the investment property at the moment? Yeah.\n\nHow much do you owe on that one? That's okay. Do you think it would be around about that $4.50 mark? Yep. Yep.\n\nCould be more. That's okay. Not a problem at all. I'll make a little note here for you. All good.\n\nAnd how long ago did you have that property built? Yeah. Okay. Lovely. And do you think the the value of that property will be around what the build cost was, or do you think it might have increased in value a little bit since then?\n\nYeah. No. That's okay. Yeah. That's okay.\n\nWhat's the suburb the property is in? I could have a look at the rough valuation of the investment if you like. That's okay. You're absolutely fine. You're right.\n\nYeah. You're right. Woodstock. Beautiful. And did you know what approximate loan value would be on that one at the moment?\n\nLegend. Thank you so much. Beautiful. 790,000. Lovely.\n\nAnd just while I've got you here, just updating values for me. Your main primary residence, we did have it noted about 940,000. What sort of value would you guys put on that one now? Okay. Yep.\n\nI can have a look at that. That's Michelle. Not a problem. I'll have a look at what Michelle put on there. Thank you for confirming and approving that for me.\n\nNot a problem at all. With the I've got down here that you've also had one car noted with an asset value of 12,000. Do you guys have two cars there as well? Oh, lovely. Fantastic.\n\nHow do you find it? Fantastic. Yeah. Wow. Yeah.\n\nYep. Yeah. Yeah. Oh, wow. Yep.\n\nYep. Understandable. Oh goodness. Well, I'm glad you're enjoying it. It's a beautiful car.\n\nThat's for sure. I just had a quick Google of what they look like. Absolute gorgeous car. I'm glad you're enjoying that one. Beautiful.\n\nOh, that's okay. You are fine. So, Joe, just to kinda get back to the insurance, this is the main reason I wanted to update you with the loan values was because when you came on board, your goal was to be able to pay out your mortgage in the event of passing. With the investment property now, the life cover of $1.57 500 doesn't quite cover the investment property loan, but it does kinda cover the main primary residence loan still. Are you happy with that life cover?\n\nDid you wanna look at increasing that? What's your thought? Well, it really depends on what it is that you're after. So there's one of two ways this could essentially go. If you were to pass away, the the $1.57 500 could pay off the loan on the main primary residence there.\n\nBut then it just kinda comes down to what you guys would wanna do with the investment property. Do you think that Richard would sell the investment property, or would he wanna pay it off, have the loan paid right down and clear it and keep it, or what do you think he would wanna do with that? Or would you want Yep. Yep. Okay.\n\nNo worries, though. So you'd be happy with just your life cover paying off your main primary residence, leaving him free and clear with that debt and then possibly selling off the investment property? Yep. Yep. Perfect.\n\nAnd with the TBD cover, you have the same level of of cover, the one fifty seven five hundred. Are you happy with that level of cover for TBD as well? Did you wanna look at altering that at all? So it's total permanent disability. It pays at a lump sum benefit in the event that you're unable to ever go back to work again.\n\nSo you're permanently disabled. Yeah. Yep. Yeah. That's fine.\n\nNot a problem at all. If you like if you decide that you do wanna review the insurance amount and you wanna maybe look at getting new cover or increasing the cover, feel free to just let me know. Give me a call. After the call, did you want me to send you an email just for the breakdown of the insurances that you've got? It's also on the email with the certificate of currency, but I can send you a separate email just for the breakdown so you can have a really good chat about those.\n\nAnd it'll let you know how these are paid, what they can cover, how they work to give you a bit of context around each of them as well. Fantastic. Not a problem at all. Now the other cover you do have is income protection. It can cover up to 70% of your income if you're off work due to illness or injury.\n\nWhat's your income at the moment? Has that increased since we last called out? Yep. 70 four hours? Yes.\n\nYeah. Yep. Yeah. That's okay. I've worked it at roughly about 70,000 per annum.\n\nYes. Yep. Okay. So you probably hit that sort of $73,000 mark this year given the couple of weeks that we have left roughly. Yeah.\n\nSo if we Yeah. That's okay. If I work it on, say, 75,000 to give you a bit of a buffer, just kind of increasing a little bit. When we look at income protection there, the monthly benefit you have at the moment is about 4,372 and 65¢. The monthly benefit based on an income of 75,000 need means that we need to cover you for $4,003.07 5.\n\nSo you're probably only about 2 or $3 off actually having the right level of cover for income protection. And every time these policies go through renewal, they do have to increase a little bit each year as well. So your income protection level is pretty accurate for your income at the moment, which is good. But I will just send through that email breaking down the covers you have, what each of them cover, how they work, and you can let me know if you'd wanna review any of them or alter them. Is that okay?\n\nYep. That's okay. Now just to kind of explain the difference, the some of the things around the income protection, you have what's called a sixty day waiting period. That means that if you are off work, you just have to be off work for sixty days prior to being able to claim on your income protection policy. We would just say if you are off work and you think you're gonna be off work for that time frame and you're gonna need to claim on income protection, just give me a call.\n\nHave a chat to me, and I can have a bit of a look, and we can work out a plan of attack to have that claim sorted for you. Okay? And you have a two year benefit period. So it just means that if you're on your income protection, they will pay that benefit for two years. At the end of the two years, if you still can't go back to work, the benefit stops.\n\nSo they stop paying the income protection claim, and it's just about making sure you can either go back to work or you have other funds to cover your living expenses. Does that make sense? Yep. Yep. Beautiful.\n\nMost claims are covered within that two year benefit period. As you can imagine, when it comes to insurances, especially income protection, as soon as you go on claim and they know you're off work, they're doing everything possible to get you back to work. So most claims are done in that two year period. Okay? All good.\n\nYour insurances for this year are out of your super fund. You paid $3,716.75. These insurances do get more expensive as you get older because the risk of you making a claim increases as well. So, again, if you I'll send you the email after break it all down to make it nice and clear. Sometimes it's easy just to see it in writing as well.\n\nAnd then you can let me know if you have any additional questions or wanna review the insurances in detail. Okay? Beautiful. And, Joe, just so you know, you don't have to wait till review time. If you, you know, in a couple of months decide, yeah, you do wanna look at them, just give me a buzz.\n\nLet me know. I'll make some time to have a chat to you about it. You are not limited to one call a year. I'll call you as many times a year as you need me to. Okay?\n\nThat's okay. So that's basically a breakdown of your super and the insurances. A couple of little things for me to go back and research there for you, which will be great. I'll update the advice document to reflect that for you. The only other thing I do need to point out when it comes to insurances are you've got life keeping and income protection.\n\nYou're not paying for any additional covers outside of sleepers, so there are other insurances that you can obtain, things like trauma, and trauma pays out a benefit if you stay diagnosed with Parkinson's or cancer, or if you have a heart attack or a stroke, things like that. Insurances like trauma, you can't pay for inside. Super, they are only paid for out of your back pocket. Did you wanna look at maybe having me put down some information around what trauma is and how that works for you to maybe have a think about? Or yes.\n\nBeautiful. I'll add that into the email there for you, and you can let me know what you wanna do, whether you wanna review or look at getting any new cover. Okay? Beautiful. Now with your, expenditures, so we've got your income here, which is great.\n\nIncome's definitely increased on where we had it when you first came on board, which is fantastic. Having a bit of a look, are you open to making additional contributions to kind of boost your super, or are you finding in rather not at the moment? You really don't have to put in anything. It more just comes down to what you're comfortable with. So, you know, in order to sort of build super a little bit faster, one one of the ways is making sure your portfolio is performing and that we're getting good returns, but there are other ways to provide a greater boost to super and build it faster, and that's by making additional contributions.\n\nIf we looked at, say, salary sacrifice, which is a pretax contribution, you could be putting more into your super, and it also helps to reduce your taxable income a bit as well because that money comes out before your income tax is calculated. Not everybody wants to, but it's more just about working out whether you're comfortable looking at doing that or whether you prefer not to right now. Additional contributions. Not a problem at all. I'll add that into the email there for you, and I'll just get one of my admin team over the next week or so just to follow-up and see if you have any questions in relation to email or if there's anything that you wanted to, you know, to talk further about.\n\nOkay? Excellent. Are you guys many finding that you're putting much away out of your income at the end of the week, or are you finding most of it's going towards your bills and expenditure? You do? Yep.\n\nOn average, how much would you say you're putting away on a weekly or fortnightly basis? Yep. To live on. Yep. That's okay.\n\nSo would you say if I work out your income, so most of yours is kind of going into savings at the moment. So that by, what, seventy four hours. So you're it's probably yeah. That's okay. Would you say that you're, on average, able to put away about a thousand dollars on a fortnightly basis or a little bit more?\n\nHow would you sort of yep. That's okay. Yep. That's okay. Beautiful.\n\nJust on average. I'll just pop that down there for you. And how's the renovating going? It's always a good idea, isn't it, until we start? Yep.\n\nOh, wow. It's a lot. That's a lot. No. I hope it all goes well.\n\nIt'd be good once it's all done. Yeah. Yeah. Yeah. Yeah.\n\nAbsolutely. No. Understandable. Wow. It's a big job, that renovating, isn't it?\n\nYes. Absolutely. No. Understandable. Yeah.\n\nYep. I'm the same with the landscaping at the moment. Trying to do the landscaping, and it's just never ending. Yep. Yeah.\n\nWow. Oh, goodness me. Fair enough. Fair enough. All good.\n\nI'm just having a real quick look at your beneficiaries on file as well. So I can't see the beneficiary for Zurich, but I will just double check. Your super beneficiary is noted there as your husband, Richard, in the event that something was to happen. Are you happy and comfortable with how that is set up? Yep.\n\nFantastic. And you want me to make sure that your life insurance has the same beneficiary. Yeah. Beautiful. What I'll do is I'll get the team to go back and double check with Zurich to make sure it is applied correctly.\n\nIf it's not, we'll get a form done up and sent out to you. Okay? Fantastic. And do you guys have a valid will? Have you drawn up a will in the past at all?\n\nNope. That's okay. Is it something you just talked about doing? No. Absolutely.\n\nIt's something, unfortunately, I have to do on a very regular basis. But, essentially, with your your super and your life insurances, we have the beneficiary nominations applied. That way, you're protected if anything happens. Your super and your life cover is paid out to where you want it to go. But this sort of looking at all the assets that you do have outside of super, so your house, your contents, all your jewelry, your savings accounts, your investment property, your cars, all of those things.\n\nIf something happened to you and or to both of you without having a will, it essentially has to go through what's called a probate process. And even though, yeah, even though in most states, everything goes directly to your husband, it doesn't always work that way. I have seen where where one spouse has passed away, and because it you passed away intestate, it goes through a process called probate. And that is essentially a legal process where anyone can come forward and stake a claim on what they think they're entitled to, and the courts actually make a decision. So a judge has to decide who's entitled to things.\n\nNormally, they just follow legislation normally where your spouse should inherit most things, like, you know, depending on how your house is, you know, purchased together, that would automatically go to him. However, if the judge sees that someone has staked the claim and they're entitled to that claim, I have seen it where, you know, other people have received money or parts of property or, you know, parts of your estate where the person who passed away just didn't want that money to go in that direction. They didn't want that person to have any part of it. So as much as you guys are together and I hope nothing happens, it is really important to maybe have that conversation, talk about having a will drawn up together and, you know, the importance of protecting all of your investments, all of your assets, everything you own and have worked so hard to build that is not super annual life insurance as well. Does that make sense?\n\nYeah. Yeah. It's just one of those things that we do like to bring out and make sure that we are sort of just talking with you guys about because not everyone has one. A lot of people don't think about doing up a will, and a lot of people I speak to would just assume that everything goes to their spouse automatically. And whilst most legislation state that the spouse is the next one to receive most things, it it doesn't always work that way because it does have to go through the court system, and a judge decides who's entitled to property, how it should be paid out, and it's not always in in accordance with the person's wishes that's passed away, unfortunately.\n\nSo, yeah, so it is it's definitely something to have a chat about. If you like as part of that email, I can add a little bit of information and just give you, like, a brochure on one of the local solicitors. It's not a referral or anything. It's just a bit of a costing to start the conversation between you, but, like, this is how much it costs to do a will and a power of attorney, you know, what's important to us, what do we want to happen, things like that. Does that make sense?\n\nDid you want me to do that for you as well? Yeah. Beautiful. It's not something you wanna think about, but it's one of those things, isn't it? Yeah.\n\nIt's a very difficult conversation to have, but it's definitely one of the most important conversations to have with our families. So yeah. No. Perfect. Oh, I will pop that in the email for you as well just so you've got a bit of context around those things.\n\nAnd then, Joe, you'll also have my email. So if you wanna reply back with any additional questions, you're welcome to. I will answer them. If you need to talk about anything in further detail, let me know. I'll book you in, and we can go through a time to discuss whatever it is that you possibly need.\n\nOkay? That's okay. Not a problem at all. Now attach that email as you kinda noted before, we did also have the ongoing service agreement. So having us as your financial advisers looking after your super, we do charge the ongoing service fee.\n\nBecause yourself and your husband are both clients with us, your ongoing fee you pay is 1.1%, so it is reduced from our normal fee. That that document sorry. That's gonna ask you to sign. It's just confirming you're happy to remain as a client and allowing us to continue charging that fee for the next twelve months. And I will, for the time being, go back and update the advice for you and look at just replacing some of those investments for you as well, keeping you with that growth portfolio.\n\nAre you comfortable at the moment whilst you're looking at the insurances? If anything comes back and you decide you wanna reevaluate insurances, let me know. We can have a really in-depth conversation, and I can always include that in that advice piece for you. But for the time being, it'll just be around the investment side of things. Is that okay?\n\nBeautiful. I know I clobbered a lot today, but is there anything that you think I might have missed or anything that you wanted me to sort of bring up or chat to you about other than anything we have gone through at the moment? Sorry. That's okay. Perfect.\n\nWell, what I'll do is I will let you go. I'll follow-up with that email that just sort of goes through those bits and pieces, and you're welcome to email me back anything additional that you might have. Okay? Oh, my pleasure, Joe. Thank you so much for your time.\n\nYou have a good afternoon. A rest for one too. Thanks for your time. We'll talk to you soon. See you later.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Joanne.","start":2.32,"end":3.12,"sentiment":"neutral","sentiment_score":0.11842458695173264},{"text":"This is Dana from Oakview Financial.","start":3.12,"end":4.74,"sentiment":"neutral","sentiment_score":0.15902586032946905},{"text":"How are you this afternoon?","start":4.88,"end":6.02,"sentiment":"neutral","sentiment_score":0.19921619296073914},{"text":"That's good.","start":7.9199996,"end":8.4,"sentiment":"positive","sentiment_score":0.6639889180660248},{"text":"I had you booked in to go through your annual review today.","start":8.4,"end":11.12,"sentiment":"positive","sentiment_score":0.40028655777374905}],"sentiment":"neutral","sentiment_score":0.3080926603741116,"num_words":27,"start":2.32,"end":11.12},{"sentences":[{"text":"Is now still a good time there for you?","start":11.12,"end":13.219999,"sentiment":"positive","sentiment_score":0.3403480218516456},{"text":"Oh, wow.","start":15.835,"end":16.635,"sentiment":"neutral","sentiment_score":0.1933949887752533},{"text":"How's your day been?","start":16.635,"end":17.855,"sentiment":"neutral","sentiment_score":0.11812181398272514},{"text":"Oh, no.","start":28.96,"end":29.699999,"sentiment":"neutral","sentiment_score":-0.24379520118236542},{"text":"Oh, no.","start":30.32,"end":31.22,"sentiment":"neutral","sentiment_score":-0.23083283007144928}],"sentiment":"neutral","sentiment_score":0.15648175619150462,"num_words":19,"start":11.12,"end":31.22},{"sentences":[{"text":"Oh, goodness me.","start":45.815002,"end":47.095,"sentiment":"neutral","sentiment_score":-0.06253914286692937},{"text":"Sounds like you've had an eventful one.","start":47.095,"end":48.775,"sentiment":"neutral","sentiment_score":0.0006830298474856786},{"text":"That's for sure.","start":48.775,"end":49.755,"sentiment":"neutral","sentiment_score":-0.003656106483807283},{"text":"No.","start":54.850002,"end":55.170002,"sentiment":"neutral","sentiment_score":-0.17791566252708435},{"text":"Absolutely.","start":55.170002,"end":55.670002,"sentiment":"neutral","sentiment_score":-0.11424222588539124}],"sentiment":"neutral","sentiment_score":-0.032397495168819054,"num_words":15,"start":45.815002,"end":55.670002},{"sentences":[{"text":"No.","start":56.13,"end":56.45,"sentiment":"neutral","sentiment_score":-0.1828848421573639},{"text":"My mom's an age 10 nurse, and, yeah, she goes through those ups and downs.","start":56.45,"end":60.21,"sentiment":"neutral","sentiment_score":-0.14229469647010168},{"text":"She has days where she goes, wow.","start":60.21,"end":61.73,"sentiment":"neutral","sentiment_score":-0.14180048129388265},{"text":"It was a funny day and days where she goes, that was a really hard, horrible day.","start":61.73,"end":65.89,"sentiment":"neutral","sentiment_score":-0.22920061121968663},{"text":"So I understand.","start":65.89,"end":66.95,"sentiment":"neutral","sentiment_score":-0.08667822430531184}],"sentiment":"neutral","sentiment_score":-0.17363613306782966,"num_words":43,"start":56.13,"end":66.95},{"sentences":[{"text":"I bet.","start":70.875,"end":71.535,"sentiment":"neutral","sentiment_score":-0.11311108246445656},{"text":"It never gets easier.","start":71.755,"end":72.815,"sentiment":"neutral","sentiment_score":-0.11747121438384056},{"text":"Yeah.","start":79.355,"end":79.855,"sentiment":"neutral","sentiment_score":-0.009171433746814728},{"text":"Yeah.","start":80.155,"end":80.655,"sentiment":"neutral","sentiment_score":-0.012484007515013218},{"text":"No.","start":80.715004,"end":81.195,"sentiment":"neutral","sentiment_score":-0.036302387714385986}],"sentiment":"neutral","sentiment_score":-0.0837849834933877,"num_words":9,"start":70.875,"end":81.195},{"sentences":[{"text":"Understandable.","start":81.195,"end":81.695,"sentiment":"neutral","sentiment_score":-0.02368120849132538},{"text":"Well, as I kinda mentioned there, Deborah, that got you booked in to go through your annual review today.","start":82.87,"end":86.55,"sentiment":"neutral","sentiment_score":0.03527517489304668},{"text":"Now do you happen to have access to your emails at the moment?","start":86.55,"end":89.35,"sentiment":"neutral","sentiment_score":0.0029927752912044525},{"text":"If you don't, that's absolutely fine.","start":89.35,"end":91.37,"sentiment":"neutral","sentiment_score":-0.017740803052826475},{"text":"You do?","start":93.11,"end":93.69,"sentiment":"neutral","sentiment_score":-0.003526765387505293}],"sentiment":"neutral","sentiment_score":0.013950118150493903,"num_words":41,"start":81.195,"end":93.69},{"sentences":[{"text":"That's okay.","start":93.83,"end":94.71,"sentiment":"neutral","sentiment_score":0.009483708068728447},{"text":"I'm just gonna send yay.","start":94.71,"end":97.37,"sentiment":"neutral","sentiment_score":-0.010490111913532019},{"text":"Not a problem.","start":97.915,"end":99.534996,"sentiment":"neutral","sentiment_score":-0.04702704772353172},{"text":"Beautiful.","start":99.91499,"end":100.395,"sentiment":"neutral","sentiment_score":0.19127118587493896},{"text":"I'm sending that one through to you now.","start":100.395,"end":102.155,"sentiment":"neutral","sentiment_score":0.09015789302065969}],"sentiment":"neutral","sentiment_score":0.03884052860207463,"num_words":19,"start":93.83,"end":102.155},{"sentences":[{"text":"It's just got your annual review pack there for you.","start":102.155,"end":104.895,"sentiment":"neutral","sentiment_score":0.27573898136615754},{"text":"And before we jump in the call, I do just have to let you know we do record our calls for quality and training purposes.","start":105.994995,"end":111.034996,"sentiment":"neutral","sentiment_score":0.14053688704967499},{"text":"Are you happy for me to proceed with that?","start":111.034996,"end":113.134995,"sentiment":"neutral","sentiment_score":0.24749128023783365},{"text":"Fantastic.","start":115.57,"end":116.07,"sentiment":"positive","sentiment_score":0.8276414275169373},{"text":"And just to also do security there with you as well, just confirming your full name, your address, and date of birth I should have.","start":116.53,"end":122.869995,"sentiment":"positive","sentiment_score":0.3571359181404114}],"sentiment":"neutral","sentiment_score":0.2607753270438739,"num_words":70,"start":102.155,"end":122.869995},{"sentences":[{"text":"Yep.","start":129.515,"end":130.015,"sentiment":"neutral","sentiment_score":0.07222016155719757},{"text":"Address.","start":134.075,"end":134.575,"sentiment":"neutral","sentiment_score":0.00974876806139946},{"text":"Sorry.","start":134.635,"end":135.135,"sentiment":"neutral","sentiment_score":0.011404724791646004},{"text":"Beautiful.","start":139.45,"end":139.84999,"sentiment":"positive","sentiment_score":0.5643824934959412},{"text":"Thank you so much for that.","start":139.84999,"end":141.61,"sentiment":"positive","sentiment_score":0.6910842855771383}],"sentiment":"positive","sentiment_score":0.48042618613690136,"num_words":10,"start":129.515,"end":141.61},{"sentences":[{"text":"Now, hopefully, the email comes through fairly quickly there for you.","start":141.61,"end":144.81,"sentiment":"positive","sentiment_score":0.43639888004823163},{"text":"If it doesn't, let me know.","start":144.81,"end":146.17,"sentiment":"neutral","sentiment_score":-0.02932056753585736},{"text":"It did all good.","start":146.17,"end":147.31,"sentiment":"neutral","sentiment_score":0.2519187591969967},{"text":"I do like when technology works to our advantage.","start":147.61,"end":150.11,"sentiment":"neutral","sentiment_score":0.10925325420167711},{"text":"That's it.","start":153.61499,"end":154.595,"sentiment":"neutral","sentiment_score":0.024991885758936405}],"sentiment":"neutral","sentiment_score":0.20829382410738617,"num_words":32,"start":141.61,"end":154.595},{"sentences":[{"text":"All good.","start":155.935,"end":156.655,"sentiment":"neutral","sentiment_score":0.2360377311706543},{"text":"Now when you open that one there, there is a document there to sign, but I don't I don't want you to sign it out of the app.","start":156.655,"end":161.855,"sentiment":"neutral","sentiment_score":-0.0967776622357113},{"text":"We do have underneath at the bottom, if you kinda scroll down a little bit, just a couple of additional attachments there.","start":161.855,"end":168.98,"sentiment":"neutral","sentiment_score":-0.005858275489034978},{"text":"And they're essentially your annual review documents I'm gonna run through.","start":168.98,"end":172.35999,"sentiment":"neutral","sentiment_score":0.011551611522339623},{"text":"One of them should say superannuation summary and insurances.","start":173.37999,"end":177.23999,"sentiment":"neutral","sentiment_score":0.007340724062588479}],"sentiment":"neutral","sentiment_score":-0.030186762468171462,"num_words":72,"start":155.935,"end":177.23999},{"sentences":[{"text":"Is that the one you can see there?","start":177.54,"end":179.31999,"sentiment":"neutral","sentiment_score":0.008375710691325366},{"text":"Yep.","start":186.545,"end":186.865,"sentiment":"neutral","sentiment_score":0.0072449613362550735},{"text":"That's the one that's gonna ask you to sign, but I don't want you to sign anything as of yet.","start":186.865,"end":191.125,"sentiment":"neutral","sentiment_score":-0.08485760809853674},{"text":"Is there if you scroll down, can you see the attachments?","start":191.505,"end":194.28,"sentiment":"neutral","sentiment_score":-0.01958485362543301},{"text":"Because I did attach it about six or seven different documents there.","start":194.28,"end":197.48,"sentiment":"neutral","sentiment_score":-0.05272191949188709}],"sentiment":"neutral","sentiment_score":-0.047519191132428557,"num_words":52,"start":177.54,"end":197.48},{"sentences":[{"text":"If not, you might need to go back out just to the original email.","start":197.48,"end":201.42,"sentiment":"neutral","sentiment_score":-0.07909908558108977},{"text":"Yeah.","start":201.72,"end":202.22,"sentiment":"neutral","sentiment_score":0.011710245162248611},{"text":"That's okay.","start":205.56,"end":206.46,"sentiment":"neutral","sentiment_score":0.05012991093099117},{"text":"Yep.","start":210.825,"end":211.325,"sentiment":"neutral","sentiment_score":0.0045868526212871075},{"text":"If you when you yes.","start":221.94,"end":227.62,"sentiment":"neutral","sentiment_score":0.004151257872581482}],"sentiment":"neutral","sentiment_score":-0.042177129962036146,"num_words":23,"start":197.48,"end":227.62},{"sentences":[{"text":"That's the email.","start":227.62,"end":228.66,"sentiment":"neutral","sentiment_score":0.009292312276860079},{"text":"Normally, when you open that, you just yep.","start":228.66,"end":231.22,"sentiment":"neutral","sentiment_score":0.014712300384417176},{"text":"That's the one.","start":231.22,"end":231.86,"sentiment":"neutral","sentiment_score":0.031964393332600594},{"text":"Yeah.","start":231.86,"end":232.1,"sentiment":"neutral","sentiment_score":0.0043838489800691605},{"text":"Sorry.","start":232.1,"end":232.42,"sentiment":"neutral","sentiment_score":-0.03583299368619919}],"sentiment":"neutral","sentiment_score":0.013126210949849337,"num_words":16,"start":227.62,"end":232.42},{"sentences":[{"text":"No.","start":232.42,"end":232.58,"sentiment":"neutral","sentiment_score":-0.036930762231349945},{"text":"It's normally at the very bottom.","start":232.58,"end":233.94,"sentiment":"neutral","sentiment_score":-0.007841417410721382},{"text":"It's like a little blue writing.","start":233.94,"end":235.48,"sentiment":"neutral","sentiment_score":-0.010009788442403078},{"text":"Yeah.","start":235.7,"end":236.1,"sentiment":"neutral","sentiment_score":-0.0020357659086585045},{"text":"So sorry.","start":236.1,"end":236.84,"sentiment":"neutral","sentiment_score":-0.023070563562214375}],"sentiment":"neutral","sentiment_score":-0.012013430648948997,"num_words":16,"start":232.42,"end":236.84},{"sentences":[{"text":"Yep.","start":240.615,"end":241.115,"sentiment":"neutral","sentiment_score":0.02427837811410427},{"text":"Yep.","start":241.975,"end":242.455,"sentiment":"neutral","sentiment_score":0.02526908926665783},{"text":"And if you no, sir.","start":242.455,"end":244.215,"sentiment":"neutral","sentiment_score":-0.02932618707418442},{"text":"If you just ignore those couple because they're just the the IT services guide, underneath that, one of those should say super and insurances or summary.","start":244.215,"end":253.18,"sentiment":"neutral","sentiment_score":-0.007506780953218157},{"text":"Yep.","start":253.18,"end":253.68,"sentiment":"neutral","sentiment_score":0.1211121529340744}],"sentiment":"neutral","sentiment_score":-0.005033753524698755,"num_words":34,"start":240.615,"end":253.68},{"sentences":[{"text":"That's the one you're after.","start":254.45999,"end":255.81999,"sentiment":"neutral","sentiment_score":0.2813111484050751},{"text":"That's just giving you an updated balance there.","start":255.81999,"end":258.22,"sentiment":"neutral","sentiment_score":0.2991429902613163},{"text":"So just to give you a bit of a run through first up of your super, as of the June 12, which is when we prepared these documents there for you, your balance is 66,234 and 77¢ there.","start":258.22,"end":271.125,"sentiment":"neutral","sentiment_score":0.26945307085642944},{"text":"So you have had a good increase coming on board.","start":271.125,"end":273.785,"sentiment":"positive","sentiment_score":0.713628751039505},{"text":"The other document, if you go back out, there should be another one that says performance with IRR or internal rate of return.","start":275.445,"end":282.25,"sentiment":"neutral","sentiment_score":0.049006852361819016}],"sentiment":"neutral","sentiment_score":0.26545672771711665,"num_words":84,"start":254.45999,"end":282.25},{"sentences":[{"text":"Can you see a document that says performance at all?","start":282.25,"end":285.15,"sentiment":"neutral","sentiment_score":0.0020793044939637186},{"text":"That's okay.","start":287.21,"end":287.95,"sentiment":"neutral","sentiment_score":-0.036305250599980354},{"text":"You're fine.","start":288.01,"end":288.75,"sentiment":"neutral","sentiment_score":-0.012057741638273},{"text":"I'm so sorry.","start":293.44,"end":294.43,"sentiment":"neutral","sentiment_score":-0.1701248735189438},{"text":"That's the one.","start":296.20502,"end":297.085,"sentiment":"neutral","sentiment_score":-0.06988248974084854}],"sentiment":"neutral","sentiment_score":-0.039797751465812325,"num_words":20,"start":282.25,"end":297.085},{"sentences":[{"text":"Yeah.","start":297.085,"end":297.585,"sentiment":"neutral","sentiment_score":-0.005634325556457043},{"text":"Yeah.","start":297.725,"end":298.20502,"sentiment":"neutral","sentiment_score":0.01217595487833023},{"text":"So this one here outlines all the individual assets and how they have performed in your secret for the last twelve months.","start":298.20502,"end":304.305,"sentiment":"neutral","sentiment_score":0.0661812372167002},{"text":"When you're looking at that one, the first page, you'll see it has a list of all the individual investments that you have there.","start":304.92502,"end":311.49,"sentiment":"neutral","sentiment_score":0.09733725059777498},{"text":"And across the second last column shows how they have all performed individually, which is not doing too bad.","start":311.72998,"end":318.37,"sentiment":"neutral","sentiment_score":0.082847434831293}],"sentiment":"neutral","sentiment_score":0.08018991230194693,"num_words":67,"start":297.085,"end":318.37},{"sentences":[{"text":"Everything is working quite nicely.","start":318.37,"end":320.31,"sentiment":"positive","sentiment_score":0.6757417440414428},{"text":"I can just see you've got your India investment, which is down at moment about 20% down, and the Benelon Australian Equities is down to that 19%.","start":321.09,"end":330.535,"sentiment":"neutral","sentiment_score":0.2450633876853519},{"text":"Those two, I actually think I would probably have a bit of a look at your statement beforehand.","start":331.795,"end":336.45502,"sentiment":"neutral","sentiment_score":0.04081879390610589},{"text":"I'd like to go back and just review those investments and maybe look at switching them out if there's something better.","start":336.595,"end":342.12997,"sentiment":"neutral","sentiment_score":0.045265024927045615},{"text":"I definitely don't wanna have any underperforming investments, and every so often, it's good to have those reevaluated.","start":342.34998,"end":347.72998,"sentiment":"neutral","sentiment_score":0.02788598049018118}],"sentiment":"neutral","sentiment_score":0.13688395112711058,"num_words":89,"start":318.37,"end":347.72998},{"sentences":[{"text":"Are you happy with me doing that for you, Jo?","start":348.11,"end":350.28998,"sentiment":"neutral","sentiment_score":0.07371292598545551},{"text":"Yeah.","start":350.34998,"end":350.84998,"sentiment":"neutral","sentiment_score":0.2259831875562668},{"text":"Yep.","start":351.46997,"end":351.96997,"sentiment":"positive","sentiment_score":0.4241142272949219},{"text":"Fantastic.","start":352.795,"end":353.295,"sentiment":"positive","sentiment_score":0.6619083881378174},{"text":"Let's look at putting something better in its place there for you.","start":353.435,"end":356.415,"sentiment":"neutral","sentiment_score":0.3145888013144334}],"sentiment":"neutral","sentiment_score":0.2329680271446705,"num_words":25,"start":348.11,"end":356.415},{"sentences":[{"text":"If you scroll down to the second page of that document, this kinda shows you an overall look of how your super has performed and necessities for the year.","start":356.875,"end":365.675,"sentiment":"neutral","sentiment_score":0.1755879845084815},{"text":"So if you look at the second last column there, it has internal rate of return, and underneath that, it says 3.49%.","start":365.675,"end":373.71,"sentiment":"neutral","sentiment_score":0.10100630670785904},{"text":"Can you see that there?","start":373.71,"end":375.00998,"sentiment":"neutral","sentiment_score":0.06368145495653152},{"text":"Yeah.","start":376.59,"end":376.99,"sentiment":"neutral","sentiment_score":0.2063026875257492},{"text":"So it's showing you that after fees, so net of fees, your super has shown a a positive return for the year of 3.49%.","start":376.99,"end":385.305,"sentiment":"neutral","sentiment_score":0.3021580794205268}],"sentiment":"neutral","sentiment_score":0.1863048662558014,"num_words":81,"start":356.875,"end":385.305},{"sentences":[{"text":"So it is very much a lower return than what we'd like to get out of the growth portfolio.","start":385.365,"end":390.105,"sentiment":"neutral","sentiment_score":-0.11858033506493819},{"text":"So because you're in that growth environment there, we're sort of chasing an average return of around about seven to 9%.","start":390.325,"end":396.725,"sentiment":"neutral","sentiment_score":-0.01011209369504026},{"text":"So it is definitely lower.","start":396.725,"end":398.58002,"sentiment":"neutral","sentiment_score":-0.0009592670947313308},{"text":"It's sort of being held back by those two underperforming investments, the Bannalong and Equities and the India exposure, and they're seeing a lot of volatility again because of what's been happening globally.","start":398.88,"end":410.5,"sentiment":"neutral","sentiment_score":-0.06033041514456272},{"text":"So I'll go back and review those two investments, look at maybe removing those and replacing them with something better for you, and look at seeing if we can get your super working a bit harder for you.","start":410.72,"end":421.385,"sentiment":"neutral","sentiment_score":-0.020882336079682175}],"sentiment":"neutral","sentiment_score":-0.04529835465605017,"num_words":116,"start":385.365,"end":421.385},{"sentences":[{"text":"How does that sound?","start":421.385,"end":422.605,"sentiment":"neutral","sentiment_score":0.03845618572086096},{"text":"Beautiful.","start":424.89,"end":425.39,"sentiment":"neutral","sentiment_score":0.3171466588973999},{"text":"However, it is important to note that having a positive return at the moment is still a good thing because of what we have seen with The US and Iran and what's happening globally there.","start":426.33002,"end":435.95,"sentiment":"neutral","sentiment_score":0.06860810800322464},{"text":"The markets have been very up and down.","start":436.33002,"end":438.17,"sentiment":"neutral","sentiment_score":-0.12693103309720755},{"text":"I'm sure you've been hearing a lot about what's happening in the news.","start":438.17,"end":441.345,"sentiment":"neutral","sentiment_score":-0.01639626036642137}],"sentiment":"neutral","sentiment_score":0.02694517266151751,"num_words":61,"start":421.385,"end":441.345},{"sentences":[{"text":"Can't really escape any of it, can you?","start":442.845,"end":445.025,"sentiment":"neutral","sentiment_score":-0.03317480580881238},{"text":"Yep.","start":450.125,"end":450.625,"sentiment":"neutral","sentiment_score":0.005028530023992062},{"text":"Yep.","start":452.30002,"end":452.80002,"sentiment":"neutral","sentiment_score":0.017237957566976547},{"text":"I understand.","start":453.74002,"end":454.40002,"sentiment":"neutral","sentiment_score":0.037207284942269325},{"text":"Yeah.","start":454.86002,"end":455.36002,"sentiment":"neutral","sentiment_score":0.1400342583656311}],"sentiment":"neutral","sentiment_score":-0.0022063946637969753,"num_words":13,"start":442.845,"end":455.36002},{"sentences":[{"text":"But now, if you have got a positive return for these, that is a good thing, albeit a much lower return than expected.","start":455.74002,"end":461.52002,"sentiment":"neutral","sentiment_score":0.31005494393732236},{"text":"We have seen a bit more volatility in the market.","start":462.22,"end":464.54,"sentiment":"neutral","sentiment_score":-0.1369570054113865},{"text":"And, obviously, within Australia, we've also seen very much high inflation as well.","start":464.54,"end":469.83502,"sentiment":"neutral","sentiment_score":-0.05493071703956677},{"text":"So that is at the moment, you know, having the RBA and the government trying to compact combat that inflation.","start":469.83502,"end":476.415,"sentiment":"neutral","sentiment_score":-0.007476984988898039},{"text":"But when we sort of talk to your local economists, they are also just saying that we expect that high inflation to stick around possibly until about the end of the year, maybe early next year.","start":476.95502,"end":487.24,"sentiment":"neutral","sentiment_score":0.0025800463433067002}],"sentiment":"neutral","sentiment_score":0.04893074807363982,"num_words":102,"start":455.74002,"end":487.24},{"sentences":[{"text":"So we'll see what happens moving forward.","start":487.24,"end":489.4,"sentiment":"neutral","sentiment_score":0.0689144182418074},{"text":"I know they are meant to be putting out an update shortly.","start":489.4,"end":494.395,"sentiment":"neutral","sentiment_score":0.050616620729366936},{"text":"I haven't actually seen the update being released today, but they were hoping to hold interest rates today.","start":494.395,"end":498.875,"sentiment":"neutral","sentiment_score":0.008203109208908346},{"text":"So we'll see what comes out this afternoon.","start":498.875,"end":500.815,"sentiment":"neutral","sentiment_score":0.03754135500639677},{"text":"Yeah.","start":503.275,"end":503.595,"sentiment":"neutral","sentiment_score":0.051371023058891296}],"sentiment":"neutral","sentiment_score":0.03454691750685806,"num_words":46,"start":487.24,"end":503.595},{"sentences":[{"text":"So that's essentially giving you an update on your super there at the moment.","start":503.595,"end":507.13498,"sentiment":"neutral","sentiment_score":0.072526396385261},{"text":"I definitely wanna review some of those investments for you.","start":507.275,"end":509.73,"sentiment":"neutral","sentiment_score":0.12861232832074165},{"text":"But do you have any questions about your super or anything specific about what we've gone through?","start":509.73,"end":514.95,"sentiment":"neutral","sentiment_score":0.02649966358919354},{"text":"Or no?","start":515.01,"end":518.63,"sentiment":"neutral","sentiment_score":-0.03839961625635624},{"text":"Fantastic.","start":522.735,"end":523.235,"sentiment":"positive","sentiment_score":0.6067144274711609}],"sentiment":"neutral","sentiment_score":0.07458868883126839,"num_words":44,"start":503.595,"end":523.235},{"sentences":[{"text":"Good to see.","start":523.69495,"end":524.57495,"sentiment":"positive","sentiment_score":0.5675046046574911},{"text":"Well, what I do also wanna do with you this afternoon, this is a bit of a quick risk profile questionnaire as well just to make sure you are still in should be invested in that growth environment.","start":524.57495,"end":533.63495,"sentiment":"neutral","sentiment_score":0.16939186736157066},{"text":"It helps me to determine when and if we should be maybe reducing or risk or changing your exposure level.","start":533.69495,"end":539.26996,"sentiment":"neutral","sentiment_score":0.11704277340322733},{"text":"Okay?","start":539.41,"end":539.91,"sentiment":"neutral","sentiment_score":0.0576782263815403},{"text":"The first one here is have you ever owned shares or investments in your own name before?","start":541.41,"end":546.70996,"sentiment":"neutral","sentiment_score":0.025505816454396528}],"sentiment":"neutral","sentiment_score":0.1388802195934555,"num_words":79,"start":523.69495,"end":546.70996},{"sentences":[{"text":"Nope.","start":548.805,"end":549.045,"sentiment":"neutral","sentiment_score":-0.03728937730193138},{"text":"That's okay.","start":549.045,"end":549.785,"sentiment":"neutral","sentiment_score":0.03320111217908561},{"text":"Beautiful.","start":550.085,"end":550.585,"sentiment":"neutral","sentiment_score":0.2880219519138336},{"text":"The next one here is looking at the time horizon.","start":551.445,"end":553.545,"sentiment":"neutral","sentiment_score":0.05481658391654491},{"text":"So when you came on board originally back in 2024 sorry.","start":553.685,"end":558.505,"sentiment":"neutral","sentiment_score":0.007873509756543419}],"sentiment":"neutral","sentiment_score":0.03807636981830001,"num_words":25,"start":548.805,"end":558.505},{"sentences":[{"text":"Can you hear me okay, Jess?","start":560.645,"end":562.34503,"sentiment":"neutral","sentiment_score":-0.012032342764238516},{"text":"Yeah.","start":564.04004,"end":564.44,"sentiment":"neutral","sentiment_score":-0.0167225431650877},{"text":"Sorry.","start":564.44,"end":564.84,"sentiment":"neutral","sentiment_score":-0.0795876532793045},{"text":"I thought the phone just cut out.","start":564.84,"end":566.12,"sentiment":"neutral","sentiment_score":-0.18075125983783177},{"text":"I do apologize.","start":566.12,"end":566.94,"sentiment":"neutral","sentiment_score":-0.11037612209717433}],"sentiment":"neutral","sentiment_score":-0.09804952434367603,"num_words":18,"start":560.645,"end":566.94},{"sentences":[{"text":"The we originally worked on a goal of being able to or hopefully retire around about age 65.","start":568.44,"end":574.62,"sentiment":"neutral","sentiment_score":0.025027185678482056},{"text":"Are you still working on that goal?","start":574.92004,"end":577.125,"sentiment":"neutral","sentiment_score":0.07232432067394257},{"text":"Are you hoping to retire earlier?","start":577.125,"end":579.04504,"sentiment":"neutral","sentiment_score":0.05127490870654583},{"text":"What are you sort of thinking moving forward?","start":579.04504,"end":580.905,"sentiment":"neutral","sentiment_score":0.05308581958524883},{"text":"Yep.","start":585.125,"end":585.365,"sentiment":"neutral","sentiment_score":0.016510913148522377}],"sentiment":"neutral","sentiment_score":0.042640162725001575,"num_words":40,"start":568.44,"end":585.365},{"sentences":[{"text":"Yep.","start":585.365,"end":585.765,"sentiment":"neutral","sentiment_score":0.022070666775107384},{"text":"Beautiful.","start":585.765,"end":586.265,"sentiment":"positive","sentiment_score":0.39721792936325073},{"text":"Okay.","start":590.52,"end":591.02,"sentiment":"neutral","sentiment_score":-0.0026276754215359688},{"text":"Five years younger than you.","start":592.68,"end":594.04,"sentiment":"neutral","sentiment_score":-0.008550092391669751},{"text":"Is he wanting to retire about when you are, or do you think you work a bit longer to get to his retirement age?","start":594.04,"end":599.8,"sentiment":"neutral","sentiment_score":-0.02568479677817474}],"sentiment":"neutral","sentiment_score":-0.00757889574742876,"num_words":32,"start":585.365,"end":599.8},{"sentences":[{"text":"Or Yep.","start":599.8,"end":610.805,"sentiment":"neutral","sentiment_score":0.0192380053922534},{"text":"Yep.","start":611.425,"end":611.505,"sentiment":"neutral","sentiment_score":0.10004481673240662},{"text":"No.","start":611.505,"end":611.745,"sentiment":"neutral","sentiment_score":0.16476145386695862},{"text":"Not a problem at all.","start":611.745,"end":613.02496,"sentiment":"neutral","sentiment_score":0.2658728152513504},{"text":"And having a look at things at the moment, now you're 52 this year.","start":613.02496,"end":616.225,"sentiment":"neutral","sentiment_score":0.08250696291880948}],"sentiment":"neutral","sentiment_score":0.12120625384799812,"num_words":23,"start":599.8,"end":616.225},{"sentences":[{"text":"Is that right?","start":616.225,"end":617.045,"sentiment":"neutral","sentiment_score":0.04419761896133423},{"text":"Yeah.","start":620.91003,"end":621.41003,"sentiment":"neutral","sentiment_score":0.15936855971813202},{"text":"That's okay.","start":621.47003,"end":622.11,"sentiment":"neutral","sentiment_score":0.2996509075164795},{"text":"We got plenty of time ahead of us there at the moment.","start":622.11,"end":624.51,"sentiment":"positive","sentiment_score":0.34324372311433154},{"text":"Even based on that age, it's absolutely fine.","start":624.51,"end":627.09,"sentiment":"positive","sentiment_score":0.3603779897093773}],"sentiment":"neutral","sentiment_score":0.3035850702570035,"num_words":26,"start":616.225,"end":627.09},{"sentences":[{"text":"Perfect.","start":627.71,"end":628.21,"sentiment":"positive","sentiment_score":0.6354759931564331},{"text":"Now the next question here is about volatility, and it's basically asking how much risk do you see yourself comfortable taking in order to get those higher returns out of your super?","start":629.23004,"end":640.065,"sentiment":"neutral","sentiment_score":0.031780284421984106},{"text":"Do you consider yourself to be a high risk taker?","start":640.28503,"end":642.765,"sentiment":"neutral","sentiment_score":-0.03665690198540687},{"text":"You want the best returns you possibly can to get, you you know, to to get yourself to your super higher and to get your goal.","start":642.765,"end":651.55,"sentiment":"neutral","sentiment_score":0.11353477692374817},{"text":"Do you maybe consider yourself to be more of a moderate or medium risk taker to try and get the best returns you possibly can or not a risk taker at all getting next to no returns?","start":651.69,"end":661.45,"sentiment":"neutral","sentiment_score":-0.005724387797149452}],"sentiment":"neutral","sentiment_score":0.03798092383329036,"num_words":106,"start":627.71,"end":661.45},{"sentences":[{"text":"How How do you sort of see yourself in there?","start":661.45,"end":663.41504,"sentiment":"neutral","sentiment_score":-0.023978307470679285},{"text":"Yep.","start":668.995,"end":669.495,"sentiment":"neutral","sentiment_score":0.03350771591067314},{"text":"Yep.","start":674.995,"end":675.495,"sentiment":"neutral","sentiment_score":0.07144707441329956},{"text":"That's okay.","start":677.5,"end":678.4,"sentiment":"neutral","sentiment_score":0.1916431039571762},{"text":"Beautiful.","start":678.62,"end":679.12,"sentiment":"positive","sentiment_score":0.4564430713653565}],"sentiment":"neutral","sentiment_score":0.04699339965979258,"num_words":15,"start":661.45,"end":679.12},{"sentences":[{"text":"Not a problem.","start":679.42,"end":679.98,"sentiment":"neutral","sentiment_score":0.30024704337120056},{"text":"So you probably see yourself in the middle range there at the moment.","start":679.98,"end":682.8,"sentiment":"neutral","sentiment_score":0.13570484633629137},{"text":"Yep.","start":684.54,"end":685.04,"sentiment":"neutral","sentiment_score":0.25668179988861084},{"text":"Absolutely fine.","start":685.1,"end":686.4,"sentiment":"positive","sentiment_score":0.44805486500263214},{"text":"The next one here, it says, if you pull your super four by 20% in the next sort of six to twelve months, how do you think you might be feeling?","start":687.42,"end":695.095,"sentiment":"neutral","sentiment_score":0.13859316298077184}],"sentiment":"neutral","sentiment_score":0.16228167429566384,"num_words":50,"start":679.42,"end":695.095},{"sentences":[{"text":"Are you thinking it's a buying opportunity?","start":695.555,"end":697.475,"sentiment":"neutral","sentiment_score":0.07935111331088203},{"text":"Wanna put, like, a large lump sum of money in, take advantage of the downtime?","start":697.475,"end":701.175,"sentiment":"neutral","sentiment_score":0.04356082777182261},{"text":"Maybe hold and wait, speak to us and see what we think you should do, or are you more likely to try and sell that asset and put your money in cash?","start":701.875,"end":710.08997,"sentiment":"neutral","sentiment_score":-0.12443180638365448},{"text":"Yep.","start":719.11,"end":719.61,"sentiment":"neutral","sentiment_score":-0.09963703155517578},{"text":"No.","start":722.075,"end":722.575,"sentiment":"neutral","sentiment_score":-0.2289357632398605}],"sentiment":"neutral","sentiment_score":-0.05538429266640118,"num_words":56,"start":695.555,"end":722.575},{"sentences":[{"text":"Yeah.","start":734.17,"end":734.49,"sentiment":"neutral","sentiment_score":-0.03841694816946983},{"text":"Absolutely.","start":734.49,"end":734.99,"sentiment":"neutral","sentiment_score":-0.01465318724513054},{"text":"No.","start":735.37,"end":735.69,"sentiment":"neutral","sentiment_score":-0.09167078882455826},{"text":"Not not a problem at all.","start":735.69,"end":737.47,"sentiment":"neutral","sentiment_score":-0.06340599184234937},{"text":"The second last one here, it says, have you ever seen your super fall in value?","start":738.49,"end":742.75,"sentiment":"neutral","sentiment_score":-0.19336664211004972}],"sentiment":"neutral","sentiment_score":-0.14476172596216202,"num_words":25,"start":734.17,"end":742.75},{"sentences":[{"text":"Knowing that you you know, as you've kinda said to me, it can be quite concerning when you do see it fall in value.","start":743.20996,"end":748.91,"sentiment":"neutral","sentiment_score":-0.29948203451931477},{"text":"Do you think if you fall a market dip in the future, you might be feeling cautious, concerned, anxious, or optimistic?","start":749.34503,"end":755.925,"sentiment":"neutral","sentiment_score":-0.2967642361209506},{"text":"Where do you think you might fall in that category?","start":756.145,"end":758.325,"sentiment":"neutral","sentiment_score":-0.21838642358779908},{"text":"Anxious.","start":759.185,"end":759.685,"sentiment":"neutral","sentiment_score":-0.22395434975624084},{"text":"Yeah.","start":759.905,"end":760.405,"sentiment":"neutral","sentiment_score":-0.044759780168533325}],"sentiment":"neutral","sentiment_score":-0.2784595816281804,"num_words":57,"start":743.20996,"end":760.405},{"sentences":[{"text":"That's absolutely okay.","start":761.265,"end":763.04504,"sentiment":"neutral","sentiment_score":0.09049119676152866},{"text":"Beautiful.","start":763.66504,"end":764.16504,"sentiment":"positive","sentiment_score":0.5413857698440552},{"text":"Fantastic.","start":765.70996,"end":766.20996,"sentiment":"positive","sentiment_score":0.5855270028114319},{"text":"Now you have scored in that growth environment there.","start":766.50995,"end":769.62994,"sentiment":"neutral","sentiment_score":0.2952100137869517},{"text":"So as we kind of have you at the moment, a growth profile generally sees about 80% of your super in more of that high risk environment.","start":769.62994,"end":777.97,"sentiment":"neutral","sentiment_score":0.004592260759737756}],"sentiment":"neutral","sentiment_score":0.10193335433013556,"num_words":41,"start":761.265,"end":777.97},{"sentences":[{"text":"So looking at things like international shares, Australian shares, property, and also commodities like gold and silver.","start":778.26996,"end":785.355,"sentiment":"neutral","sentiment_score":0.05530353438328294},{"text":"You've got some of the gold in your portfolio as well.","start":785.355,"end":788.015,"sentiment":"neutral","sentiment_score":0.12553415108810773},{"text":"And then the other smaller 20% is seem to be in a low risk environment, things like cash, bonds, and fixed interest.","start":788.315,"end":795.935,"sentiment":"neutral","sentiment_score":0.0012889073484323242},{"text":"What we're sort of wanting to do with this sort of asset allocation is have some of your money in those higher growth in assets, like the international and Australian shares, properties, and commodities because that's where you get a lot of your growth from.","start":796.4,"end":809.3,"sentiment":"neutral","sentiment_score":0.05393956245647536},{"text":"But we don't wanna have all of your money sitting in there because those investments are the ones that go up and down.","start":809.465,"end":815.065,"sentiment":"neutral","sentiment_score":-0.2932915791221287}],"sentiment":"neutral","sentiment_score":-0.016686731365398836,"num_words":118,"start":778.26996,"end":815.065},{"sentences":[{"text":"That's what makes you feel nervous when you hear the news and they tell you that $50,000,000,000 is being wiped off the market.","start":815.065,"end":821.245,"sentiment":"negative","sentiment_score":-0.42639686879904376},{"text":"It's because those equities, those shares have dropped in value or they've gone down a little bit.","start":821.57,"end":826.77,"sentiment":"negative","sentiment_score":-0.3468918239369112},{"text":"There's been a big sell off.","start":826.77,"end":828.14996,"sentiment":"negative","sentiment_score":-0.5147449374198914},{"text":"Not with that $80.20 split that you have at the moment, as I kinda mentioned before, we're looking for an average rate of return of about seven to 9% on a yearly basis, and you can expect a negative return generally every one and every five years.","start":829.97,"end":844.91504,"sentiment":"neutral","sentiment_score":-0.2887992858886719},{"text":"So it's about yeah.","start":845.53503,"end":847.455,"sentiment":"neutral","sentiment_score":-0.09190675988793373}],"sentiment":"negative","sentiment_score":-0.3374634236097336,"num_words":97,"start":815.065,"end":847.455},{"sentences":[{"text":"So, realistically, when you think about the risk level you're taking in this sort of environment, if you, you know, have risk on a scale of one to five, five being aggressive, very risky, all in those high growth investments, and one being no risk at all, sitting a 100% cash, not making any money, essentially, you're probably sitting between a three and a four there.","start":847.455,"end":871.255,"sentiment":"neutral","sentiment_score":-0.07345582872177615},{"text":"So you're not at the highest level.","start":871.255,"end":873.015,"sentiment":"neutral","sentiment_score":-0.24852802072252547},{"text":"You're kind of in that mid range a little bit.","start":873.015,"end":875.435,"sentiment":"neutral","sentiment_score":-0.1094874732196331},{"text":"You've got quite a good hold of those growth assets trying to get you super working harder, but you do also have a mix of some lower risk investments for that defensive low risk component.","start":875.575,"end":886.67004,"sentiment":"neutral","sentiment_score":0.16286842761827366},{"text":"Does that make sense?","start":886.81,"end":887.87,"sentiment":"neutral","sentiment_score":0.13257145695388317}],"sentiment":"neutral","sentiment_score":-0.011901432610132167,"num_words":122,"start":847.455,"end":887.87},{"sentences":[{"text":"Yeah.","start":889.93005,"end":890.43005,"sentiment":"neutral","sentiment_score":0.09225727617740632},{"text":"Yeah.","start":890.49005,"end":890.99005,"sentiment":"neutral","sentiment_score":0.10205978155136108},{"text":"Did you want me to keep you in that kind of environment?","start":891.21,"end":893.71,"sentiment":"neutral","sentiment_score":0.10325949701170127},{"text":"And, realistically, this kind of a portfolio does suit somebody at least six years before they're accessing their super.","start":893.77,"end":901.305,"sentiment":"neutral","sentiment_score":0.1265220006829814},{"text":"So based on your age this year and if you would've worked at age 65, you still have more than ten years ahead of you.","start":901.76495,"end":908.82,"sentiment":"neutral","sentiment_score":0.06146114230155945}],"sentiment":"neutral","sentiment_score":0.09265306193766923,"num_words":58,"start":889.93005,"end":908.82},{"sentences":[{"text":"But are you comfortable sort of studying this environment, or did you want me to sort of look at something a bit more low lower risk for you?","start":908.82,"end":920.2,"sentiment":"neutral","sentiment_score":-0.010468339680560998},{"text":"Yeah.","start":920.26,"end":920.66,"sentiment":"neutral","sentiment_score":0.04429546743631363},{"text":"That's okay.","start":920.66,"end":921.48,"sentiment":"neutral","sentiment_score":0.1648051217198372},{"text":"Yeah.","start":923.755,"end":924.15497,"sentiment":"neutral","sentiment_score":0.19157473742961884},{"text":"Beautiful.","start":924.15497,"end":924.65497,"sentiment":"positive","sentiment_score":0.4043594002723694}],"sentiment":"neutral","sentiment_score":0.02050685871279601,"num_words":33,"start":908.82,"end":924.65497},{"sentences":[{"text":"Well, I won't see you wrong.","start":924.71497,"end":926.255,"sentiment":"neutral","sentiment_score":0.1276888164381186},{"text":"I won't see you wrong.","start":927.195,"end":928.65497,"sentiment":"neutral","sentiment_score":0.13989706039428712},{"text":"And that's why it's good to have the conversations.","start":928.71497,"end":930.735,"sentiment":"positive","sentiment_score":0.4055020676718818},{"text":"Part of what I love about my job isn't just telling you what to do with your super and your investments, but helping to educate you as well because we don't learn any of this at school.","start":930.795,"end":940.36005,"sentiment":"positive","sentiment_score":0.4553105279400542},{"text":"You know?","start":940.36005,"end":940.84,"sentiment":"neutral","sentiment_score":0.19389578700065613}],"sentiment":"positive","sentiment_score":0.3788036935157695,"num_words":59,"start":924.71497,"end":940.84},{"sentences":[{"text":"And it's not something that we all get taught on a regular basis.","start":940.84,"end":944.52,"sentiment":"neutral","sentiment_score":0.19330949278978202},{"text":"So, you know, learning about investments and kind of building the confidence is is also a part of my job that I really enjoy.","start":944.52,"end":951.5,"sentiment":"positive","sentiment_score":0.43729835251967114},{"text":"Okay?","start":951.88,"end":952.38,"sentiment":"neutral","sentiment_score":0.199846088886261},{"text":"That's all good.","start":953.44495,"end":954.165,"sentiment":"neutral","sentiment_score":0.27595514555772144},{"text":"So, I mean, time horizon wise, the growth portfolio still suits where you are.","start":954.165,"end":959.305,"sentiment":"neutral","sentiment_score":0.18869183212518692}],"sentiment":"neutral","sentiment_score":0.30322874621911483,"num_words":55,"start":940.84,"end":959.305},{"sentences":[{"text":"What I'll do, if you like, is I'll go back, review the portfolio.","start":959.365,"end":962.345,"sentiment":"neutral","sentiment_score":0.08187415164250594},{"text":"I'll look at how you invested, remove those couple of investments that are underperforming for you, and I'll look at putting something else that's placed, making sure we're, you know, factoring in the risk side of things, making sure that we have some low risk investments, but also investments that have got performance behind them.","start":962.485,"end":980.01996,"sentiment":"neutral","sentiment_score":0.06848948560655117},{"text":"Does that sound okay?","start":980.01996,"end":981.16,"sentiment":"neutral","sentiment_score":0.08964066952466965},{"text":"Fantastic.","start":983.845,"end":984.345,"sentiment":"positive","sentiment_score":0.7077239751815796},{"text":"Excellent.","start":984.725,"end":985.225,"sentiment":"positive","sentiment_score":0.5969167351722717}],"sentiment":"neutral","sentiment_score":0.0877633657860192,"num_words":74,"start":959.365,"end":985.225},{"sentences":[{"text":"Now the other thing to have a really good chat about is your insurances.","start":985.925,"end":989.305,"sentiment":"neutral","sentiment_score":0.0683163097128272},{"text":"So at the moment, you do have your life and your TBD, which is paid out of your super.","start":989.605,"end":994.58496,"sentiment":"neutral","sentiment_score":0.040941888466477394},{"text":"When you came board onboard originally, you wanted to make sure that you could pay out your mortgage in the event of passing away and also a total permanent disability there.","start":995.3,"end":1004.89996,"sentiment":"neutral","sentiment_score":0.007764095921189555},{"text":"So when I look at the total, because if you were to pass away, probably nothing happens.","start":1004.89996,"end":1011.755,"sentiment":"neutral","sentiment_score":-0.023769508389865652},{"text":"But if you were to pass away, your current life insurance, some insured, you have a 157,500.","start":1011.895,"end":1019.835,"sentiment":"neutral","sentiment_score":-0.015499566120150335}],"sentiment":"neutral","sentiment_score":0.01334119309927812,"num_words":98,"start":985.925,"end":1019.835},{"sentences":[{"text":"We had it noted that your mortgage was at about 65,000.","start":1020.51,"end":1024.53,"sentiment":"neutral","sentiment_score":-0.006137945773926648},{"text":"Have you reduced that a little bit since then?","start":1024.67,"end":1027.0701,"sentiment":"neutral","sentiment_score":-0.010781260310775705},{"text":"Or yeah?","start":1027.0701,"end":1030.37,"sentiment":"neutral","sentiment_score":0.006233048625290394},{"text":"Oh, fantastic.","start":1032.59,"end":1033.5701,"sentiment":"neutral","sentiment_score":0.25077109783887863},{"text":"Okay.","start":1039.575,"end":1040.075,"sentiment":"neutral","sentiment_score":0.1953706741333008}],"sentiment":"neutral","sentiment_score":0.021793208830058575,"num_words":25,"start":1020.51,"end":1040.075},{"sentences":[{"text":"Perfect.","start":1040.215,"end":1040.715,"sentiment":"neutral","sentiment_score":0.257454514503479},{"text":"So with the investment property sorry.","start":1040.855,"end":1045.095,"sentiment":"neutral","sentiment_score":0.04755722855528196},{"text":"I'm just popping that in here for you.","start":1045.095,"end":1047.275,"sentiment":"neutral","sentiment_score":0.06542324787005782},{"text":"What's the do you have a loan on the investment property at the moment?","start":1047.575,"end":1050.875,"sentiment":"neutral","sentiment_score":0.014088196480380637},{"text":"Yeah.","start":1052.89,"end":1053.2101,"sentiment":"neutral","sentiment_score":-0.00518783088773489}],"sentiment":"neutral","sentiment_score":0.04194102628777425,"num_words":30,"start":1040.215,"end":1053.2101},{"sentences":[{"text":"How much do you owe on that one?","start":1053.2101,"end":1054.99,"sentiment":"neutral","sentiment_score":-0.024413837818428874},{"text":"That's okay.","start":1072.295,"end":1072.935,"sentiment":"neutral","sentiment_score":-0.013387446291744707},{"text":"Do you think it would be around about that $4.50 mark?","start":1072.935,"end":1075.915,"sentiment":"neutral","sentiment_score":-0.011921912008388475},{"text":"Yep.","start":1078.44,"end":1078.94,"sentiment":"neutral","sentiment_score":-0.008372332900762558},{"text":"Yep.","start":1080.12,"end":1080.62,"sentiment":"neutral","sentiment_score":0.06926892697811127}],"sentiment":"neutral","sentiment_score":-0.012710001441123693,"num_words":23,"start":1053.2101,"end":1080.62},{"sentences":[{"text":"Could be more.","start":1082.2799,"end":1083.0,"sentiment":"neutral","sentiment_score":0.06895130003492038},{"text":"That's okay.","start":1083.0,"end":1083.72,"sentiment":"neutral","sentiment_score":0.2515646666288376},{"text":"Not a problem at all.","start":1083.72,"end":1084.6799,"sentiment":"neutral","sentiment_score":0.29975311160087587},{"text":"I'll make a little note here for you.","start":1084.6799,"end":1086.6,"sentiment":"neutral","sentiment_score":0.3194813020527363},{"text":"All good.","start":1086.6,"end":1087.24,"sentiment":"positive","sentiment_score":0.5115664303302765}],"sentiment":"neutral","sentiment_score":0.2893866034224629,"num_words":20,"start":1082.2799,"end":1087.24},{"sentences":[{"text":"And how long ago did you have that property built?","start":1087.24,"end":1089.6599,"sentiment":"neutral","sentiment_score":0.021032785624265672},{"text":"Yeah.","start":1095.855,"end":1096.355,"sentiment":"neutral","sentiment_score":0.01451006717979908},{"text":"Okay.","start":1099.855,"end":1100.355,"sentiment":"neutral","sentiment_score":0.2298070937395096},{"text":"Lovely.","start":1101.615,"end":1102.095,"sentiment":"positive","sentiment_score":0.4258483052253723},{"text":"And do you think the the value of that property will be around what the build cost was, or do you think it might have increased in value a little bit since then?","start":1102.095,"end":1112.47,"sentiment":"neutral","sentiment_score":0.07685287161306902}],"sentiment":"neutral","sentiment_score":0.07427474099170903,"num_words":46,"start":1087.24,"end":1112.47},{"sentences":[{"text":"Yeah.","start":1112.47,"end":1112.97,"sentiment":"neutral","sentiment_score":-0.0296072568744421},{"text":"No.","start":1119.2699,"end":1119.51,"sentiment":"neutral","sentiment_score":-0.10120870918035509},{"text":"That's okay.","start":1119.51,"end":1120.33,"sentiment":"neutral","sentiment_score":-0.08512663654983044},{"text":"Yeah.","start":1131.375,"end":1131.535,"sentiment":"neutral","sentiment_score":0.023124663159251213},{"text":"That's okay.","start":1131.535,"end":1132.355,"sentiment":"neutral","sentiment_score":0.042105479165911674}],"sentiment":"neutral","sentiment_score":-0.02767623109476907,"num_words":7,"start":1112.47,"end":1132.355},{"sentences":[{"text":"What's the suburb the property is in?","start":1132.415,"end":1134.3351,"sentiment":"neutral","sentiment_score":0.0074218108451792175},{"text":"I could have a look at the rough valuation of the investment if you like.","start":1134.3351,"end":1137.4751,"sentiment":"neutral","sentiment_score":0.004910807932416598},{"text":"That's okay.","start":1141.74,"end":1142.2999,"sentiment":"neutral","sentiment_score":0.0005784647655673325},{"text":"You're absolutely fine.","start":1142.2999,"end":1143.7599,"sentiment":"neutral","sentiment_score":-0.017166349415977795},{"text":"You're right.","start":1149.34,"end":1150.08,"sentiment":"neutral","sentiment_score":-0.0005026692524552337}],"sentiment":"neutral","sentiment_score":0.0025609426786480792,"num_words":29,"start":1132.415,"end":1150.08},{"sentences":[{"text":"Yeah.","start":1157.7451,"end":1158.0651,"sentiment":"neutral","sentiment_score":0.013741197995841503},{"text":"You're right.","start":1158.0651,"end":1158.805,"sentiment":"neutral","sentiment_score":0.02387443371117115},{"text":"Woodstock.","start":1166.73,"end":1167.23,"sentiment":"neutral","sentiment_score":0.025243859738111496},{"text":"Beautiful.","start":1167.45,"end":1167.95,"sentiment":"neutral","sentiment_score":0.21098746359348297},{"text":"And did you know what approximate loan value would be on that one at the moment?","start":1168.25,"end":1172.59,"sentiment":"neutral","sentiment_score":0.045638311305083334}],"sentiment":"neutral","sentiment_score":0.0489492556967196,"num_words":21,"start":1157.7451,"end":1172.59},{"sentences":[{"text":"Legend.","start":1175.93,"end":1176.41,"sentiment":"neutral","sentiment_score":0.14342394471168518},{"text":"Thank you so much.","start":1176.41,"end":1177.71,"sentiment":"positive","sentiment_score":0.44044360518455505},{"text":"Beautiful.","start":1177.85,"end":1178.35,"sentiment":"positive","sentiment_score":0.42916589975357056},{"text":"790,000.","start":1178.81,"end":1180.59,"sentiment":"neutral","sentiment_score":0.1839621514081955},{"text":"Lovely.","start":1180.89,"end":1181.39,"sentiment":"neutral","sentiment_score":0.3034980893135071}],"sentiment":"positive","sentiment_score":0.3527280632406473,"num_words":8,"start":1175.93,"end":1181.39},{"sentences":[{"text":"And just while I've got you here, just updating values for me.","start":1181.7949,"end":1184.515,"sentiment":"neutral","sentiment_score":0.08509914080301921},{"text":"Your main primary residence, we did have it noted about 940,000.","start":1184.515,"end":1188.9149,"sentiment":"neutral","sentiment_score":0.06392079591751099},{"text":"What sort of value would you guys put on that one now?","start":1188.9149,"end":1191.6549,"sentiment":"neutral","sentiment_score":0.02093973523005843},{"text":"Okay.","start":1211.255,"end":1211.755,"sentiment":"neutral","sentiment_score":0.05248621851205826},{"text":"Yep.","start":1214.615,"end":1214.935,"sentiment":"neutral","sentiment_score":0.009133299812674522}],"sentiment":"neutral","sentiment_score":0.055059859076061764,"num_words":37,"start":1181.7949,"end":1214.935},{"sentences":[{"text":"I can have a look at that.","start":1214.935,"end":1216.475,"sentiment":"neutral","sentiment_score":0.06027290118592126},{"text":"That's Michelle.","start":1216.935,"end":1217.755,"sentiment":"neutral","sentiment_score":0.06219208613038063},{"text":"Not a problem.","start":1217.895,"end":1218.535,"sentiment":"neutral","sentiment_score":0.18605723977088928},{"text":"I'll have a look at what Michelle put on there.","start":1218.535,"end":1220.215,"sentiment":"neutral","sentiment_score":0.15488806515932083},{"text":"Thank you for confirming and approving that for me.","start":1220.215,"end":1223.08,"sentiment":"positive","sentiment_score":0.5897028843561808}],"sentiment":"neutral","sentiment_score":0.25679589711850687,"num_words":31,"start":1214.935,"end":1223.08},{"sentences":[{"text":"Not a problem at all.","start":1223.08,"end":1224.46,"sentiment":"neutral","sentiment_score":0.20309871137142183},{"text":"With the I've got down here that you've also had one car noted with an asset value of 12,000.","start":1224.92,"end":1231.64,"sentiment":"neutral","sentiment_score":0.050440479069948196},{"text":"Do you guys have two cars there as well?","start":1231.64,"end":1233.9,"sentiment":"neutral","sentiment_score":0.015748834444416895},{"text":"Oh, lovely.","start":1237.125,"end":1237.8651,"sentiment":"neutral","sentiment_score":0.2568308115005493},{"text":"Fantastic.","start":1238.885,"end":1239.385,"sentiment":"positive","sentiment_score":0.4684155583381653}],"sentiment":"neutral","sentiment_score":0.08604664862569836,"num_words":36,"start":1223.08,"end":1239.385},{"sentences":[{"text":"How do you find it?","start":1239.685,"end":1240.905,"sentiment":"neutral","sentiment_score":0.17513002455234528},{"text":"Fantastic.","start":1243.285,"end":1243.785,"sentiment":"positive","sentiment_score":0.7419826984405518},{"text":"Yeah.","start":1250.69,"end":1251.19,"sentiment":"neutral","sentiment_score":-0.020970715209841728},{"text":"Wow.","start":1261.17,"end":1261.42,"sentiment":"neutral","sentiment_score":-0.0034835804253816605},{"text":"Yeah.","start":1261.42,"end":1261.92,"sentiment":"neutral","sentiment_score":-0.007589875720441341}],"sentiment":"neutral","sentiment_score":0.17617651664962372,"num_words":9,"start":1239.685,"end":1261.92},{"sentences":[{"text":"Yep.","start":1276.115,"end":1276.195,"sentiment":"neutral","sentiment_score":0.0033538155257701874},{"text":"Yeah.","start":1276.195,"end":1276.445,"sentiment":"neutral","sentiment_score":0.0025428440421819687},{"text":"Yeah.","start":1276.445,"end":1276.945,"sentiment":"neutral","sentiment_score":-0.005306456238031387},{"text":"Oh, wow.","start":1284.61,"end":1285.43,"sentiment":"neutral","sentiment_score":-0.041843654587864876},{"text":"Yep.","start":1286.77,"end":1287.25,"sentiment":"neutral","sentiment_score":0.0018708929419517515}],"sentiment":"neutral","sentiment_score":-0.013537702150642872,"num_words":6,"start":1276.115,"end":1287.25},{"sentences":[{"text":"Yep.","start":1287.25,"end":1287.73,"sentiment":"neutral","sentiment_score":0.005999967455863953},{"text":"Understandable.","start":1287.73,"end":1288.23,"sentiment":"neutral","sentiment_score":0.021221313625574112},{"text":"Oh goodness.","start":1289.01,"end":1289.65,"sentiment":"neutral","sentiment_score":0.07780271023511887},{"text":"Well, I'm glad you're enjoying it.","start":1289.65,"end":1290.93,"sentiment":"positive","sentiment_score":0.35525761047999066},{"text":"It's a beautiful car.","start":1290.93,"end":1291.97,"sentiment":"positive","sentiment_score":0.6459879875183105}],"sentiment":"positive","sentiment_score":0.3498803081789187,"num_words":14,"start":1287.25,"end":1291.97},{"sentences":[{"text":"That's for sure.","start":1291.97,"end":1292.4501,"sentiment":"neutral","sentiment_score":0.27646536628405255},{"text":"I just had a quick Google of what they look like.","start":1292.4501,"end":1294.875,"sentiment":"neutral","sentiment_score":0.10569096356630325},{"text":"Absolute gorgeous car.","start":1294.875,"end":1296.075,"sentiment":"positive","sentiment_score":0.6096669236818949},{"text":"I'm glad you're enjoying that one.","start":1296.075,"end":1297.615,"sentiment":"positive","sentiment_score":0.5414436161518097},{"text":"Beautiful.","start":1297.835,"end":1298.335,"sentiment":"neutral","sentiment_score":0.3241052031517029}],"sentiment":"neutral","sentiment_score":0.3080735153829058,"num_words":24,"start":1291.97,"end":1298.335},{"sentences":[{"text":"Oh, that's okay.","start":1304.075,"end":1305.195,"sentiment":"neutral","sentiment_score":0.02353636734187603},{"text":"You are fine.","start":1305.195,"end":1306.8301,"sentiment":"neutral","sentiment_score":0.08118470261494319},{"text":"So, Joe, just to kinda get back to the insurance, this is the main reason I wanted to update you with the loan values was because when you came on board, your goal was to be able to pay out your mortgage in the event of passing.","start":1306.9701,"end":1317.4701,"sentiment":"neutral","sentiment_score":0.06889136833079318},{"text":"With the investment property now, the life cover of $1.57 500 doesn't quite cover the investment property loan, but it does kinda cover the main primary residence loan still.","start":1318.25,"end":1330.6051,"sentiment":"neutral","sentiment_score":-0.16300608770086847},{"text":"Are you happy with that life cover?","start":1330.745,"end":1332.505,"sentiment":"neutral","sentiment_score":0.13711685048682348}],"sentiment":"neutral","sentiment_score":-0.0024191131292099362,"num_words":89,"start":1304.075,"end":1332.505},{"sentences":[{"text":"Did you wanna look at increasing that?","start":1332.505,"end":1334.3451,"sentiment":"neutral","sentiment_score":-0.0021527638392789023},{"text":"What's your thought?","start":1334.3451,"end":1335.4851,"sentiment":"neutral","sentiment_score":-0.027037039399147034},{"text":"Well, it really depends on what it is that you're after.","start":1339.23,"end":1341.57,"sentiment":"neutral","sentiment_score":-0.10441447794437408},{"text":"So there's one of two ways this could essentially go.","start":1341.71,"end":1344.27,"sentiment":"neutral","sentiment_score":-0.0689141258597374},{"text":"If you were to pass away, the the $1.57 500 could pay off the loan on the main primary residence there.","start":1344.27,"end":1352.0499,"sentiment":"neutral","sentiment_score":-0.11697980974401746}],"sentiment":"neutral","sentiment_score":-0.08443186510927402,"num_words":52,"start":1332.505,"end":1352.0499},{"sentences":[{"text":"But then it just kinda comes down to what you guys would wanna do with the investment property.","start":1352.535,"end":1356.7151,"sentiment":"neutral","sentiment_score":-0.07404538989067078},{"text":"Do you think that Richard would sell the investment property, or would he wanna pay it off, have the loan paid right down and clear it and keep it, or what do you think he would wanna do with that?","start":1356.775,"end":1368.16,"sentiment":"neutral","sentiment_score":-0.10850006956607103},{"text":"Or would you want Yep.","start":1368.16,"end":1371.14,"sentiment":"neutral","sentiment_score":-0.08427043594419956},{"text":"Yep.","start":1380.885,"end":1381.385,"sentiment":"neutral","sentiment_score":-0.0706886351108551},{"text":"Okay.","start":1382.565,"end":1383.065,"sentiment":"neutral","sentiment_score":0.0661919042468071}],"sentiment":"neutral","sentiment_score":-0.09382567248092248,"num_words":65,"start":1352.535,"end":1383.065},{"sentences":[{"text":"No worries, though.","start":1383.125,"end":1383.9249,"sentiment":"neutral","sentiment_score":0.10211666921774547},{"text":"So you'd be happy with just your life cover paying off your main primary residence, leaving him free and clear with that debt and then possibly selling off the investment property?","start":1383.9249,"end":1392.825,"sentiment":"neutral","sentiment_score":0.12764828507938691},{"text":"Yep.","start":1394.5,"end":1394.74,"sentiment":"neutral","sentiment_score":0.16218987107276917},{"text":"Yep.","start":1394.74,"end":1394.98,"sentiment":"neutral","sentiment_score":0.30647334456443787},{"text":"Perfect.","start":1394.98,"end":1395.48,"sentiment":"positive","sentiment_score":0.6126569509506226}],"sentiment":"neutral","sentiment_score":0.14445316247843407,"num_words":37,"start":1383.125,"end":1395.48},{"sentences":[{"text":"And with the TBD cover, you have the same level of of cover, the one fifty seven five hundred.","start":1395.7799,"end":1401.2999,"sentiment":"neutral","sentiment_score":0.18882238708044352},{"text":"Are you happy with that level of cover for TBD as well?","start":1401.2999,"end":1404.34,"sentiment":"neutral","sentiment_score":0.17436651575068632},{"text":"Did you wanna look at altering that at all?","start":1404.34,"end":1406.6,"sentiment":"neutral","sentiment_score":-0.036429633075992264},{"text":"So it's total permanent disability.","start":1408.9349,"end":1410.955,"sentiment":"neutral","sentiment_score":-0.05793277025222778},{"text":"It pays at a lump sum benefit in the event that you're unable to ever go back to work again.","start":1411.095,"end":1416.2949,"sentiment":"neutral","sentiment_score":-0.050648738630115986}],"sentiment":"neutral","sentiment_score":0.06230028033829652,"num_words":65,"start":1395.7799,"end":1416.2949},{"sentences":[{"text":"So you're permanently disabled.","start":1416.2949,"end":1417.9149,"sentiment":"neutral","sentiment_score":-0.1018187515437603},{"text":"Yeah.","start":1420.695,"end":1421.195,"sentiment":"neutral","sentiment_score":-0.06413034349679947},{"text":"Yep.","start":1432.77,"end":1433.27,"sentiment":"neutral","sentiment_score":-0.03342464566230774},{"text":"Yeah.","start":1434.53,"end":1434.85,"sentiment":"neutral","sentiment_score":0.07401148974895477},{"text":"That's fine.","start":1434.85,"end":1435.67,"sentiment":"neutral","sentiment_score":0.1873353272676468}],"sentiment":"neutral","sentiment_score":-0.006238650116655562,"num_words":9,"start":1416.2949,"end":1435.67},{"sentences":[{"text":"Not a problem at all.","start":1436.545,"end":1437.425,"sentiment":"neutral","sentiment_score":0.2898654144257307},{"text":"If you like if you decide that you do wanna review the insurance amount and you wanna maybe look at getting new cover or increasing the cover, feel free to just let me know.","start":1437.425,"end":1446.385,"sentiment":"neutral","sentiment_score":0.059866482172818744},{"text":"Give me a call.","start":1446.385,"end":1447.185,"sentiment":"neutral","sentiment_score":0.07863964140415192},{"text":"After the call, did you want me to send you an email just for the breakdown of the insurances that you've got?","start":1447.185,"end":1452.69,"sentiment":"neutral","sentiment_score":0.06635276194323193},{"text":"It's also on the email with the certificate of currency, but I can send you a separate email just for the breakdown so you can have a really good chat about those.","start":1452.9099,"end":1459.71,"sentiment":"neutral","sentiment_score":0.27939338982105255}],"sentiment":"neutral","sentiment_score":0.14638861101696787,"num_words":97,"start":1436.545,"end":1459.71},{"sentences":[{"text":"And it'll let you know how these are paid, what they can cover, how they work to give you a bit of context around each of them as well.","start":1459.71,"end":1467.105,"sentiment":"neutral","sentiment_score":0.10797311391296058},{"text":"Fantastic.","start":1470.0449,"end":1470.5449,"sentiment":"positive","sentiment_score":0.6633428335189819},{"text":"Not a problem at all.","start":1471.085,"end":1472.5449,"sentiment":"neutral","sentiment_score":0.31401304602622987},{"text":"Now the other cover you do have is income protection.","start":1472.9249,"end":1475.67,"sentiment":"neutral","sentiment_score":0.08230584003031254},{"text":"It can cover up to 70% of your income if you're off work due to illness or injury.","start":1475.91,"end":1480.7301,"sentiment":"neutral","sentiment_score":0.051718769801987544}],"sentiment":"neutral","sentiment_score":0.11299404164864904,"num_words":63,"start":1459.71,"end":1480.7301},{"sentences":[{"text":"What's your income at the moment?","start":1482.0701,"end":1483.75,"sentiment":"neutral","sentiment_score":0.004183723125606775},{"text":"Has that increased since we last called out?","start":1483.75,"end":1486.0901,"sentiment":"neutral","sentiment_score":-0.00175988650880754},{"text":"Yep.","start":1492.9651,"end":1493.4651,"sentiment":"neutral","sentiment_score":0.02231086790561676},{"text":"70 four hours?","start":1507.9401,"end":1509.08,"sentiment":"neutral","sentiment_score":-0.008121314458549023},{"text":"Yes.","start":1510.5,"end":1511.0,"sentiment":"neutral","sentiment_score":0.10257421433925629}],"sentiment":"neutral","sentiment_score":0.005870757134337174,"num_words":19,"start":1482.0701,"end":1511.0},{"sentences":[{"text":"Yeah.","start":1519.635,"end":1520.135,"sentiment":"neutral","sentiment_score":0.0631100982427597},{"text":"Yep.","start":1520.1951,"end":1520.6951,"sentiment":"neutral","sentiment_score":0.05990006774663925},{"text":"Yeah.","start":1529.77,"end":1530.27,"sentiment":"neutral","sentiment_score":0.006155751645565033},{"text":"That's okay.","start":1531.77,"end":1532.5701,"sentiment":"neutral","sentiment_score":0.020506568951532245},{"text":"I've worked it at roughly about 70,000 per annum.","start":1532.5701,"end":1535.71,"sentiment":"neutral","sentiment_score":0.02434773577584161}],"sentiment":"neutral","sentiment_score":0.027807762680043067,"num_words":14,"start":1519.635,"end":1535.71},{"sentences":[{"text":"Yes.","start":1539.985,"end":1540.485,"sentiment":"neutral","sentiment_score":0.023692961782217022},{"text":"Yep.","start":1542.625,"end":1543.125,"sentiment":"neutral","sentiment_score":0.011679242365062237},{"text":"Okay.","start":1563.27,"end":1563.67,"sentiment":"neutral","sentiment_score":0.0252456646412611},{"text":"So you probably hit that sort of $73,000 mark this year given the couple of weeks that we have left roughly.","start":1563.67,"end":1571.095,"sentiment":"neutral","sentiment_score":0.02005122553202368},{"text":"Yeah.","start":1571.1549,"end":1571.5549,"sentiment":"neutral","sentiment_score":0.08016917109489441}],"sentiment":"neutral","sentiment_score":0.022474511042237282,"num_words":25,"start":1539.985,"end":1571.5549},{"sentences":[{"text":"So if we Yeah.","start":1571.5549,"end":1578.84,"sentiment":"neutral","sentiment_score":0.05259241908788681},{"text":"That's okay.","start":1578.84,"end":1579.32,"sentiment":"neutral","sentiment_score":0.21823538094758987},{"text":"If I work it on, say, 75,000 to give you a bit of a buffer, just kind of increasing a little bit.","start":1579.32,"end":1584.7,"sentiment":"neutral","sentiment_score":0.15974689037962395},{"text":"When we look at income protection there, the monthly benefit you have at the moment is about 4,372 and 65¢.","start":1585.4,"end":1595.195,"sentiment":"neutral","sentiment_score":0.053286457532330564},{"text":"The monthly benefit based on an income of 75,000 need means that we need to cover you for $4,003.07 5.","start":1596.135,"end":1603.815,"sentiment":"neutral","sentiment_score":0.08580699265003204}],"sentiment":"neutral","sentiment_score":0.1028336503390056,"num_words":68,"start":1571.5549,"end":1603.815},{"sentences":[{"text":"So you're probably only about 2 or $3 off actually having the right level of cover for income protection.","start":1603.815,"end":1610.38,"sentiment":"neutral","sentiment_score":0.13025851743785957},{"text":"And every time these policies go through renewal, they do have to increase a little bit each year as well.","start":1611.0801,"end":1616.8401,"sentiment":"neutral","sentiment_score":0.21406690105795861},{"text":"So your income protection level is pretty accurate for your income at the moment, which is good.","start":1616.8401,"end":1622.245,"sentiment":"positive","sentiment_score":0.4227309630197637},{"text":"But I will just send through that email breaking down the covers you have, what each of them cover, how they work, and you can let me know if you'd wanna review any of them or alter them.","start":1623.185,"end":1633.585,"sentiment":"neutral","sentiment_score":0.09480732365658409},{"text":"Is that okay?","start":1633.585,"end":1634.485,"sentiment":"neutral","sentiment_score":0.11910953124364217}],"sentiment":"neutral","sentiment_score":0.1845637434690269,"num_words":97,"start":1603.815,"end":1634.485},{"sentences":[{"text":"Yep.","start":1636.75,"end":1636.99,"sentiment":"neutral","sentiment_score":0.23806977272033691},{"text":"That's okay.","start":1636.99,"end":1637.9701,"sentiment":"neutral","sentiment_score":0.1579567790031433},{"text":"Now just to kind of explain the difference, the some of the things around the income protection, you have what's called a sixty day waiting period.","start":1638.43,"end":1646.29,"sentiment":"neutral","sentiment_score":-0.011978309341849616},{"text":"That means that if you are off work, you just have to be off work for sixty days prior to being able to claim on your income protection policy.","start":1646.67,"end":1654.195,"sentiment":"neutral","sentiment_score":-0.07768697535683369},{"text":"We would just say if you are off work and you think you're gonna be off work for that time frame and you're gonna need to claim on income protection, just give me a call.","start":1654.735,"end":1663.14,"sentiment":"neutral","sentiment_score":-0.08944291036043849}],"sentiment":"neutral","sentiment_score":-0.0552782458077956,"num_words":93,"start":1636.75,"end":1663.14},{"sentences":[{"text":"Have a chat to me, and I can have a bit of a look, and we can work out a plan of attack to have that claim sorted for you.","start":1663.14,"end":1669.14,"sentiment":"neutral","sentiment_score":0.0981228390087684},{"text":"Okay?","start":1669.14,"end":1669.64,"sentiment":"neutral","sentiment_score":0.08121056854724884},{"text":"And you have a two year benefit period.","start":1670.9,"end":1672.98,"sentiment":"neutral","sentiment_score":0.04786097118631005},{"text":"So it just means that if you're on your income protection, they will pay that benefit for two years.","start":1672.98,"end":1678.975,"sentiment":"neutral","sentiment_score":0.04581701579062562},{"text":"At the end of the two years, if you still can't go back to work, the benefit stops.","start":1679.4349,"end":1684.155,"sentiment":"neutral","sentiment_score":-0.07355575087583727}],"sentiment":"neutral","sentiment_score":0.03887241174417891,"num_words":76,"start":1663.14,"end":1684.155},{"sentences":[{"text":"So they stop paying the income protection claim, and it's just about making sure you can either go back to work or you have other funds to cover your living expenses.","start":1684.155,"end":1692.21,"sentiment":"neutral","sentiment_score":-0.06783265470256729},{"text":"Does that make sense?","start":1692.21,"end":1693.27,"sentiment":"neutral","sentiment_score":0.04278223495930433},{"text":"Yep.","start":1694.77,"end":1695.01,"sentiment":"neutral","sentiment_score":0.26492512226104736},{"text":"Yep.","start":1695.01,"end":1695.33,"sentiment":"positive","sentiment_score":0.4174521863460541},{"text":"Beautiful.","start":1695.33,"end":1695.83,"sentiment":"positive","sentiment_score":0.7837873697280884}],"sentiment":"neutral","sentiment_score":-0.012250491515978387,"num_words":38,"start":1684.155,"end":1695.83},{"sentences":[{"text":"Most claims are covered within that two year benefit period.","start":1695.97,"end":1699.01,"sentiment":"positive","sentiment_score":0.4478931337594986},{"text":"As you can imagine, when it comes to insurances, especially income protection, as soon as you go on claim and they know you're off work, they're doing everything possible to get you back to work.","start":1699.01,"end":1709.3251,"sentiment":"neutral","sentiment_score":0.3158760130405426},{"text":"So most claims are done in that two year period.","start":1709.385,"end":1712.845,"sentiment":"neutral","sentiment_score":0.16443443447351455},{"text":"Okay?","start":1713.0651,"end":1713.5651,"sentiment":"neutral","sentiment_score":0.12806925177574158},{"text":"All good.","start":1714.745,"end":1715.485,"sentiment":"positive","sentiment_score":0.4438808113336563}],"sentiment":"neutral","sentiment_score":0.31370287953779613,"num_words":58,"start":1695.97,"end":1715.485},{"sentences":[{"text":"Your insurances for this year are out of your super fund.","start":1715.865,"end":1718.905,"sentiment":"neutral","sentiment_score":-0.0345894375985319},{"text":"You paid $3,716.75.","start":1718.905,"end":1722.86,"sentiment":"neutral","sentiment_score":-0.07336674568553765},{"text":"These insurances do get more expensive as you get older because the risk of you making a claim increases as well.","start":1724.2001,"end":1730.68,"sentiment":"neutral","sentiment_score":-0.3014034926891327},{"text":"So, again, if you I'll send you the email after break it all down to make it nice and clear.","start":1730.68,"end":1736.14,"sentiment":"neutral","sentiment_score":0.21740206982940435},{"text":"Sometimes it's easy just to see it in writing as well.","start":1736.4551,"end":1739.115,"sentiment":"neutral","sentiment_score":0.28246990659020166}],"sentiment":"neutral","sentiment_score":0.007956863211637194,"num_words":66,"start":1715.865,"end":1739.115},{"sentences":[{"text":"And then you can let me know if you have any additional questions or wanna review the insurances in detail.","start":1739.5751,"end":1745.115,"sentiment":"neutral","sentiment_score":0.1821967877447605},{"text":"Okay?","start":1745.415,"end":1745.915,"sentiment":"neutral","sentiment_score":0.1077939197421074},{"text":"Beautiful.","start":1747.495,"end":1747.995,"sentiment":"positive","sentiment_score":0.7352609038352966},{"text":"And, Joe, just so you know, you don't have to wait till review time.","start":1748.7101,"end":1751.43,"sentiment":"neutral","sentiment_score":0.26200633708919796},{"text":"If you, you know, in a couple of months decide, yeah, you do wanna look at them, just give me a buzz.","start":1751.43,"end":1755.67,"sentiment":"neutral","sentiment_score":0.2958858162164688}],"sentiment":"neutral","sentiment_score":0.25283736645661553,"num_words":58,"start":1739.5751,"end":1755.67},{"sentences":[{"text":"Let me know.","start":1755.67,"end":1756.31,"sentiment":"neutral","sentiment_score":0.2748770813147227},{"text":"I'll make some time to have a chat to you about it.","start":1756.31,"end":1758.63,"sentiment":"neutral","sentiment_score":0.28543930997451145},{"text":"You are not limited to one call a year.","start":1758.63,"end":1761.195,"sentiment":"neutral","sentiment_score":0.1009509339928627},{"text":"I'll call you as many times a year as you need me to.","start":1761.195,"end":1763.995,"sentiment":"neutral","sentiment_score":0.1280314400792122},{"text":"Okay?","start":1763.995,"end":1764.495,"sentiment":"neutral","sentiment_score":0.1377589851617813}],"sentiment":"neutral","sentiment_score":0.18317444936225288,"num_words":38,"start":1755.67,"end":1764.495},{"sentences":[{"text":"That's okay.","start":1766.955,"end":1767.855,"sentiment":"positive","sentiment_score":0.3740408271551132},{"text":"So that's basically a breakdown of your super and the insurances.","start":1768.235,"end":1771.615,"sentiment":"neutral","sentiment_score":0.27556610107421875},{"text":"A couple of little things for me to go back and research there for you, which will be great.","start":1772.235,"end":1776.32,"sentiment":"positive","sentiment_score":0.4497927913540288},{"text":"I'll update the advice document to reflect that for you.","start":1776.32,"end":1779.62,"sentiment":"positive","sentiment_score":0.34719383120536806},{"text":"The only other thing I do need to point out when it comes to insurances are you've got life keeping and income protection.","start":1781.0399,"end":1786.4199,"sentiment":"neutral","sentiment_score":0.029159709487272346}],"sentiment":"neutral","sentiment_score":0.2533535912632942,"num_words":65,"start":1766.955,"end":1786.4199},{"sentences":[{"text":"You're not paying for any additional covers outside of sleepers, so there are other insurances that you can obtain, things like trauma, and trauma pays out a benefit if you stay diagnosed with Parkinson's or cancer, or if you have a heart attack or a stroke, things like that.","start":1786.995,"end":1803.8301,"sentiment":"neutral","sentiment_score":-0.03622818331481242},{"text":"Insurances like trauma, you can't pay for inside.","start":1804.93,"end":1808.05,"sentiment":"neutral","sentiment_score":-0.1314417952671647},{"text":"Super, they are only paid for out of your back pocket.","start":1808.05,"end":1810.9501,"sentiment":"neutral","sentiment_score":-0.08116799728436903},{"text":"Did you wanna look at maybe having me put down some information around what trauma is and how that works for you to maybe have a think about?","start":1811.625,"end":1818.985,"sentiment":"neutral","sentiment_score":0.04782481844137822},{"text":"Or yes.","start":1818.985,"end":1821.785,"sentiment":"neutral","sentiment_score":0.12403412442654371}],"sentiment":"neutral","sentiment_score":-0.021759185198770493,"num_words":98,"start":1786.995,"end":1821.785},{"sentences":[{"text":"Beautiful.","start":1821.785,"end":1822.285,"sentiment":"positive","sentiment_score":0.6354646682739258},{"text":"I'll add that into the email there for you, and you can let me know what you wanna do, whether you wanna review or look at getting any new cover.","start":1822.585,"end":1829.25,"sentiment":"neutral","sentiment_score":0.328050925831},{"text":"Okay?","start":1829.39,"end":1829.89,"sentiment":"neutral","sentiment_score":0.12480780482292177},{"text":"Beautiful.","start":1831.31,"end":1831.81,"sentiment":"positive","sentiment_score":0.5969226360321045},{"text":"Now with your, expenditures, so we've got your income here, which is great.","start":1832.91,"end":1837.31,"sentiment":"positive","sentiment_score":0.41953981610444874}],"sentiment":"positive","sentiment_score":0.3620160976829736,"num_words":46,"start":1821.785,"end":1837.31},{"sentences":[{"text":"Income's definitely increased on where we had it when you first came on board, which is fantastic.","start":1837.31,"end":1841.5701,"sentiment":"positive","sentiment_score":0.5187839234576506},{"text":"Having a bit of a look, are you open to making additional contributions to kind of boost your super, or are you finding in rather not at the moment?","start":1842.955,"end":1850.4149,"sentiment":"neutral","sentiment_score":0.05655679036060284},{"text":"You really don't have to put in anything.","start":1855.2799,"end":1856.96,"sentiment":"neutral","sentiment_score":0.04138511838391423},{"text":"It more just comes down to what you're comfortable with.","start":1856.96,"end":1859.2799,"sentiment":"neutral","sentiment_score":0.12044453844428063},{"text":"So, you know, in order to sort of build super a little bit faster, one one of the ways is making sure your portfolio is performing and that we're getting good returns, but there are other ways to provide a greater boost to super and build it faster, and that's by making additional contributions.","start":1859.2799,"end":1875.245,"sentiment":"neutral","sentiment_score":0.1973610903929781}],"sentiment":"neutral","sentiment_score":0.19197032908451253,"num_words":118,"start":1837.31,"end":1875.245},{"sentences":[{"text":"If we looked at, say, salary sacrifice, which is a pretax contribution, you could be putting more into your super, and it also helps to reduce your taxable income a bit as well because that money comes out before your income tax is calculated.","start":1876.265,"end":1889.65,"sentiment":"neutral","sentiment_score":0.22318007543005727},{"text":"Not everybody wants to, but it's more just about working out whether you're comfortable looking at doing that or whether you prefer not to right now.","start":1890.99,"end":1898.13,"sentiment":"neutral","sentiment_score":0.010289472169601},{"text":"Additional contributions.","start":1905.385,"end":1906.4451,"sentiment":"neutral","sentiment_score":0.03422917053103447},{"text":"Not a problem at all.","start":1906.905,"end":1908.285,"sentiment":"neutral","sentiment_score":0.06424841433763503},{"text":"I'll add that into the email there for you, and I'll just get one of my admin team over the next week or so just to follow-up and see if you have any questions in relation to email or if there's anything that you wanted to, you know, to talk further about.","start":1908.345,"end":1920.4501,"sentiment":"neutral","sentiment_score":0.12108181058787383}],"sentiment":"neutral","sentiment_score":0.13002638882675835,"num_words":129,"start":1876.265,"end":1920.4501},{"sentences":[{"text":"Okay?","start":1920.4501,"end":1920.9501,"sentiment":"neutral","sentiment_score":0.0734480768442154},{"text":"Excellent.","start":1922.53,"end":1923.03,"sentiment":"positive","sentiment_score":0.618704080581665},{"text":"Are you guys many finding that you're putting much away out of your income at the end of the week, or are you finding most of it's going towards your bills and expenditure?","start":1923.49,"end":1932.485,"sentiment":"neutral","sentiment_score":0.08617024891304248},{"text":"You do?","start":1936.625,"end":1937.185,"sentiment":"neutral","sentiment_score":-0.00114760035648942},{"text":"Yep.","start":1937.185,"end":1937.67,"sentiment":"neutral","sentiment_score":0.011002684012055395}],"sentiment":"neutral","sentiment_score":0.09327573302250944,"num_words":38,"start":1920.4501,"end":1937.67},{"sentences":[{"text":"On average, how much would you say you're putting away on a weekly or fortnightly basis?","start":1937.91,"end":1942.25,"sentiment":"neutral","sentiment_score":0.008596159954322502},{"text":"Yep.","start":1950.875,"end":1951.375,"sentiment":"neutral","sentiment_score":0.04391622543334961},{"text":"To live on.","start":1967.37,"end":1968.5099,"sentiment":"neutral","sentiment_score":0.06682538737853368},{"text":"Yep.","start":1970.49,"end":1970.8099,"sentiment":"neutral","sentiment_score":0.07488259673118591},{"text":"That's okay.","start":1970.8099,"end":1971.71,"sentiment":"neutral","sentiment_score":0.12164619565010071}],"sentiment":"neutral","sentiment_score":0.03043938847258687,"num_words":23,"start":1937.91,"end":1971.71},{"sentences":[{"text":"So would you say if I work out your income, so most of yours is kind of going into savings at the moment.","start":1971.7699,"end":1981.595,"sentiment":"neutral","sentiment_score":0.04097336554980796},{"text":"So that by, what, seventy four hours.","start":1981.735,"end":1985.195,"sentiment":"neutral","sentiment_score":0.013033915178052016},{"text":"So you're it's probably yeah.","start":1986.135,"end":1989.36,"sentiment":"neutral","sentiment_score":0.01678215079009533},{"text":"That's okay.","start":1989.36,"end":1989.84,"sentiment":"neutral","sentiment_score":0.08984225243330002},{"text":"Would you say that you're, on average, able to put away about a thousand dollars on a fortnightly basis or a little bit more?","start":1989.84,"end":1995.84,"sentiment":"neutral","sentiment_score":0.03161642329844957}],"sentiment":"neutral","sentiment_score":0.03370515134216088,"num_words":61,"start":1971.7699,"end":1995.84},{"sentences":[{"text":"How would you sort of yep.","start":1995.84,"end":1997.12,"sentiment":"neutral","sentiment_score":-0.011754235252737999},{"text":"That's okay.","start":1997.12,"end":1997.78,"sentiment":"neutral","sentiment_score":0.002424201462417841},{"text":"Yep.","start":1998.72,"end":1999.04,"sentiment":"neutral","sentiment_score":0.05944185703992843},{"text":"That's okay.","start":1999.04,"end":1999.86,"sentiment":"neutral","sentiment_score":0.1627376526594162},{"text":"Beautiful.","start":2000.0,"end":2000.5,"sentiment":"positive","sentiment_score":0.3656781911849976}],"sentiment":"neutral","sentiment_score":0.05707652874601384,"num_words":12,"start":1995.84,"end":2000.5},{"sentences":[{"text":"Just on average.","start":2000.64,"end":2001.36,"sentiment":"neutral","sentiment_score":0.13797219097614288},{"text":"I'll just pop that down there for you.","start":2001.36,"end":2003.235,"sentiment":"neutral","sentiment_score":0.13643522560596466},{"text":"And how's the renovating going?","start":2003.235,"end":2005.095,"sentiment":"neutral","sentiment_score":0.012817981466650964},{"text":"It's always a good idea, isn't it, until we start?","start":2008.995,"end":2011.655,"sentiment":"neutral","sentiment_score":-0.17816376835107803},{"text":"Yep.","start":2022.2301,"end":2022.7301,"sentiment":"neutral","sentiment_score":0.0080759571865201}],"sentiment":"neutral","sentiment_score":-0.007558275600550351,"num_words":27,"start":2000.64,"end":2022.7301},{"sentences":[{"text":"Oh, wow.","start":2024.31,"end":2024.89,"sentiment":"neutral","sentiment_score":0.028031250461935997},{"text":"It's a lot.","start":2030.4701,"end":2031.4501,"sentiment":"neutral","sentiment_score":0.04997048030296961},{"text":"That's a lot.","start":2034.305,"end":2035.345,"sentiment":"neutral","sentiment_score":0.01399918645620346},{"text":"No.","start":2035.345,"end":2035.665,"sentiment":"neutral","sentiment_score":-0.035153117030858994},{"text":"I hope it all goes well.","start":2035.665,"end":2037.505,"sentiment":"neutral","sentiment_score":0.17910523588458696}],"sentiment":"neutral","sentiment_score":0.08582998663187028,"num_words":15,"start":2024.31,"end":2037.505},{"sentences":[{"text":"It'd be good once it's all done.","start":2037.505,"end":2039.445,"sentiment":"neutral","sentiment_score":0.27397110632487703},{"text":"Yeah.","start":2041.105,"end":2041.605,"sentiment":"neutral","sentiment_score":0.03424958884716034},{"text":"Yeah.","start":2042.705,"end":2043.205,"sentiment":"neutral","sentiment_score":0.012882543727755548},{"text":"Yeah.","start":2046.0651,"end":2046.5651,"sentiment":"neutral","sentiment_score":-0.058922357857227325},{"text":"Yeah.","start":2054.52,"end":2055.0,"sentiment":"neutral","sentiment_score":0.013536717742681503}],"sentiment":"neutral","sentiment_score":0.17450402152131905,"num_words":11,"start":2037.505,"end":2055.0},{"sentences":[{"text":"Absolutely.","start":2055.0,"end":2055.5,"sentiment":"neutral","sentiment_score":0.006312338635325432},{"text":"No.","start":2056.2,"end":2056.7,"sentiment":"neutral","sentiment_score":-0.09602291882038116},{"text":"Understandable.","start":2056.76,"end":2057.26,"sentiment":"neutral","sentiment_score":-0.08111175149679184},{"text":"Wow.","start":2057.88,"end":2058.28,"sentiment":"neutral","sentiment_score":-0.09651657938957214},{"text":"It's a big job, that renovating, isn't it?","start":2058.28,"end":2060.78,"sentiment":"neutral","sentiment_score":-0.11511954013258219}],"sentiment":"neutral","sentiment_score":-0.0990246026776731,"num_words":12,"start":2055.0,"end":2060.78},{"sentences":[{"text":"Yes.","start":2068.075,"end":2068.575,"sentiment":"neutral","sentiment_score":-0.06770473718643188},{"text":"Absolutely.","start":2068.635,"end":2069.135,"sentiment":"neutral","sentiment_score":-0.00802292674779892},{"text":"No.","start":2069.995,"end":2070.395,"sentiment":"neutral","sentiment_score":-0.10527139902114868},{"text":"Understandable.","start":2070.395,"end":2070.895,"sentiment":"neutral","sentiment_score":-0.042537711560726166},{"text":"Yeah.","start":2080.53,"end":2081.03,"sentiment":"neutral","sentiment_score":0.04929637163877487}],"sentiment":"neutral","sentiment_score":-0.03484808057546616,"num_words":5,"start":2068.075,"end":2081.03},{"sentences":[{"text":"Yep.","start":2081.09,"end":2081.41,"sentiment":"neutral","sentiment_score":0.05200692266225815},{"text":"I'm the same with the landscaping at the moment.","start":2081.41,"end":2083.49,"sentiment":"neutral","sentiment_score":0.008374444933401214},{"text":"Trying to do the landscaping, and it's just never ending.","start":2083.49,"end":2086.79,"sentiment":"neutral","sentiment_score":-0.032963446155190465},{"text":"Yep.","start":2095.095,"end":2095.595,"sentiment":"neutral","sentiment_score":0.011568497866392136},{"text":"Yeah.","start":2104.44,"end":2104.94,"sentiment":"neutral","sentiment_score":-0.020675107836723328}],"sentiment":"neutral","sentiment_score":-0.0096074611117894,"num_words":22,"start":2081.09,"end":2104.94},{"sentences":[{"text":"Wow.","start":2105.88,"end":2106.38,"sentiment":"neutral","sentiment_score":0.028573891147971153},{"text":"Oh, goodness me.","start":2108.5999,"end":2110.06,"sentiment":"neutral","sentiment_score":0.10728807747364044},{"text":"Fair enough.","start":2118.335,"end":2119.2349,"sentiment":"neutral","sentiment_score":0.15840120613574982},{"text":"Fair enough.","start":2119.295,"end":2120.035,"sentiment":"neutral","sentiment_score":0.20304664224386215},{"text":"All good.","start":2121.2148,"end":2122.035,"sentiment":"positive","sentiment_score":0.38092245161533356}],"sentiment":"neutral","sentiment_score":0.18351787235587835,"num_words":10,"start":2105.88,"end":2122.035},{"sentences":[{"text":"I'm just having a real quick look at your beneficiaries on file as well.","start":2122.4949,"end":2126.4949,"sentiment":"neutral","sentiment_score":0.15887210624558584},{"text":"So I can't see the beneficiary for Zurich, but I will just double check.","start":2126.4949,"end":2130.195,"sentiment":"neutral","sentiment_score":0.09662749831165586},{"text":"Your super beneficiary is noted there as your husband, Richard, in the event that something was to happen.","start":2130.83,"end":2136.67,"sentiment":"neutral","sentiment_score":0.11979167473812898},{"text":"Are you happy and comfortable with how that is set up?","start":2136.67,"end":2139.65,"sentiment":"positive","sentiment_score":0.3468320112336766},{"text":"Yep.","start":2140.83,"end":2141.33,"sentiment":"positive","sentiment_score":0.4951373040676117}],"sentiment":"neutral","sentiment_score":0.17316437994354758,"num_words":58,"start":2122.4949,"end":2141.33},{"sentences":[{"text":"Fantastic.","start":2141.71,"end":2142.21,"sentiment":"positive","sentiment_score":0.7210111618041992},{"text":"And you want me to make sure that your life insurance has the same beneficiary.","start":2142.43,"end":2146.05,"sentiment":"neutral","sentiment_score":0.2637746959924698},{"text":"Yeah.","start":2148.625,"end":2148.9448,"sentiment":"neutral","sentiment_score":0.207248255610466},{"text":"Beautiful.","start":2148.9448,"end":2149.345,"sentiment":"positive","sentiment_score":0.4659620523452759},{"text":"What I'll do is I'll get the team to go back and double check with Zurich to make sure it is applied correctly.","start":2149.345,"end":2154.325,"sentiment":"neutral","sentiment_score":0.20591383200624716}],"sentiment":"neutral","sentiment_score":0.24602097672660175,"num_words":41,"start":2141.71,"end":2154.325},{"sentences":[{"text":"If it's not, we'll get a form done up and sent out to you.","start":2154.385,"end":2157.585,"sentiment":"neutral","sentiment_score":0.14666188667927468},{"text":"Okay?","start":2157.585,"end":2158.085,"sentiment":"neutral","sentiment_score":0.16152197122573853},{"text":"Fantastic.","start":2159.51,"end":2160.01,"sentiment":"positive","sentiment_score":0.4089241027832031},{"text":"And do you guys have a valid will?","start":2160.39,"end":2162.39,"sentiment":"neutral","sentiment_score":0.09791532438248396},{"text":"Have you drawn up a will in the past at all?","start":2162.39,"end":2164.81,"sentiment":"neutral","sentiment_score":0.021997104737568985}],"sentiment":"neutral","sentiment_score":0.10425723527691194,"num_words":35,"start":2154.385,"end":2164.81},{"sentences":[{"text":"Nope.","start":2167.51,"end":2167.8298,"sentiment":"neutral","sentiment_score":-0.05660901218652725},{"text":"That's okay.","start":2167.8298,"end":2168.39,"sentiment":"neutral","sentiment_score":-0.03749353997409344},{"text":"Is it something you just talked about doing?","start":2168.39,"end":2170.41,"sentiment":"neutral","sentiment_score":-0.03327327501028776},{"text":"No.","start":2179.4348,"end":2179.595,"sentiment":"neutral","sentiment_score":-0.08769896626472473},{"text":"Absolutely.","start":2179.595,"end":2180.095,"sentiment":"neutral","sentiment_score":-0.05161074548959732}],"sentiment":"neutral","sentiment_score":-0.04131476953625679,"num_words":13,"start":2167.51,"end":2180.095},{"sentences":[{"text":"It's something, unfortunately, I have to do on a very regular basis.","start":2180.4749,"end":2183.6948,"sentiment":"neutral","sentiment_score":-0.1657340551416079},{"text":"But, essentially, with your your super and your life insurances, we have the beneficiary nominations applied.","start":2184.3948,"end":2190.12,"sentiment":"neutral","sentiment_score":0.03362437040777877},{"text":"That way, you're protected if anything happens.","start":2190.1802,"end":2192.82,"sentiment":"neutral","sentiment_score":0.0872086573924337},{"text":"Your super and your life cover is paid out to where you want it to go.","start":2192.82,"end":2196.52,"sentiment":"neutral","sentiment_score":0.029644864844158292},{"text":"But this sort of looking at all the assets that you do have outside of super, so your house, your contents, all your jewelry, your savings accounts, your investment property, your cars, all of those things.","start":2197.1401,"end":2208.585,"sentiment":"neutral","sentiment_score":-0.002964000269356701}],"sentiment":"neutral","sentiment_score":-0.005433842593311578,"num_words":87,"start":2180.4749,"end":2208.585},{"sentences":[{"text":"If something happened to you and or to both of you without having a will, it essentially has to go through what's called a probate process.","start":2208.585,"end":2217.0999,"sentiment":"neutral","sentiment_score":-0.06640673185197207},{"text":"And even though, yeah, even though in most states, everything goes directly to your husband, it doesn't always work that way.","start":2217.88,"end":2225.895,"sentiment":"neutral","sentiment_score":-0.052254488602990194},{"text":"I have seen where where one spouse has passed away, and because it you passed away intestate, it goes through a process called probate.","start":2225.895,"end":2235.435,"sentiment":"neutral","sentiment_score":-0.05216548250367244},{"text":"And that is essentially a legal process where anyone can come forward and stake a claim on what they think they're entitled to, and the courts actually make a decision.","start":2235.575,"end":2246.78,"sentiment":"neutral","sentiment_score":-0.0038501046830788253},{"text":"So a judge has to decide who's entitled to things.","start":2246.78,"end":2250.08,"sentiment":"neutral","sentiment_score":-0.006129832658916712}],"sentiment":"neutral","sentiment_score":-0.038312543567421066,"num_words":111,"start":2208.585,"end":2250.08},{"sentences":[{"text":"Normally, they just follow legislation normally where your spouse should inherit most things, like, you know, depending on how your house is, you know, purchased together, that would automatically go to him.","start":2251.1948,"end":2262.815,"sentiment":"neutral","sentiment_score":0.015927780395031732},{"text":"However, if the judge sees that someone has staked the claim and they're entitled to that claim, I have seen it where, you know, other people have received money or parts of property or, you know, parts of your estate where the person who passed away just didn't want that money to go in that direction.","start":2263.6702,"end":2283.145,"sentiment":"negative","sentiment_score":-0.33540152332612444},{"text":"They didn't want that person to have any part of it.","start":2283.145,"end":2285.625,"sentiment":"negative","sentiment_score":-0.35948037897998636},{"text":"So as much as you guys are together and I hope nothing happens, it is really important to maybe have that conversation, talk about having a will drawn up together and, you know, the importance of protecting all of your investments, all of your assets, everything you own and have worked so hard to build that is not super annual life insurance as well.","start":2285.625,"end":2305.88,"sentiment":"positive","sentiment_score":0.39158489170949906},{"text":"Does that make sense?","start":2305.88,"end":2306.94,"sentiment":"neutral","sentiment_score":0.16516276448965073}],"sentiment":"neutral","sentiment_score":0.02092816541895053,"num_words":167,"start":2251.1948,"end":2306.94},{"sentences":[{"text":"Yeah.","start":2308.755,"end":2309.155,"sentiment":"neutral","sentiment_score":0.16581512987613678},{"text":"Yeah.","start":2309.155,"end":2309.4749,"sentiment":"neutral","sentiment_score":0.1429557502269745},{"text":"It's just one of those things that we do like to bring out and make sure that we are sort of just talking with you guys about because not everyone has one.","start":2309.4749,"end":2316.115,"sentiment":"neutral","sentiment_score":0.14261474483646452},{"text":"A lot of people don't think about doing up a will, and a lot of people I speak to would just assume that everything goes to their spouse automatically.","start":2316.115,"end":2322.8,"sentiment":"neutral","sentiment_score":-0.2265507193474934},{"text":"And whilst most legislation state that the spouse is the next one to receive most things, it it doesn't always work that way because it does have to go through the court system, and a judge decides who's entitled to property, how it should be paid out, and it's not always in in accordance with the person's wishes that's passed away, unfortunately.","start":2323.1802,"end":2346.675,"sentiment":"neutral","sentiment_score":-0.29365418226488177}],"sentiment":"neutral","sentiment_score":-0.15923269957304,"num_words":125,"start":2308.755,"end":2346.675},{"sentences":[{"text":"So, yeah, so it is it's definitely something to have a chat about.","start":2347.2952,"end":2351.61,"sentiment":"neutral","sentiment_score":0.17910196976019785},{"text":"If you like as part of that email, I can add a little bit of information and just give you, like, a brochure on one of the local solicitors.","start":2351.61,"end":2361.55,"sentiment":"neutral","sentiment_score":0.14220479207819905},{"text":"It's not a referral or anything.","start":2361.77,"end":2363.21,"sentiment":"neutral","sentiment_score":-0.016572799533605576},{"text":"It's just a bit of a costing to start the conversation between you, but, like, this is how much it costs to do a will and a power of attorney, you know, what's important to us, what do we want to happen, things like that.","start":2363.21,"end":2373.5852,"sentiment":"neutral","sentiment_score":0.11384833388858372},{"text":"Does that make sense?","start":2373.5852,"end":2374.385,"sentiment":"neutral","sentiment_score":0.15447650104761124}],"sentiment":"neutral","sentiment_score":0.12467947225902498,"num_words":97,"start":2347.2952,"end":2374.385},{"sentences":[{"text":"Did you want me to do that for you as well?","start":2374.385,"end":2376.645,"sentiment":"neutral","sentiment_score":0.09982058913870291},{"text":"Yeah.","start":2376.705,"end":2377.205,"sentiment":"positive","sentiment_score":0.3749789595603943},{"text":"Beautiful.","start":2378.34,"end":2378.82,"sentiment":"positive","sentiment_score":0.7203390002250671},{"text":"It's not something you wanna think about, but it's one of those things, isn't it?","start":2378.82,"end":2382.52,"sentiment":"neutral","sentiment_score":0.2221601923306783},{"text":"Yeah.","start":2384.6602,"end":2384.9802,"sentiment":"neutral","sentiment_score":0.16693197190761566}],"sentiment":"neutral","sentiment_score":0.19629928610962014,"num_words":29,"start":2374.385,"end":2384.9802},{"sentences":[{"text":"It's a very difficult conversation to have, but it's definitely one of the most important conversations to have with our families.","start":2384.9802,"end":2390.52,"sentiment":"neutral","sentiment_score":0.15904900271977698},{"text":"So yeah.","start":2390.74,"end":2391.6401,"sentiment":"neutral","sentiment_score":0.09864789620041847},{"text":"No.","start":2391.7002,"end":2391.9402,"sentiment":"neutral","sentiment_score":0.11218760162591934},{"text":"Perfect.","start":2391.9402,"end":2392.4402,"sentiment":"positive","sentiment_score":0.45611634850502014},{"text":"Oh, I will pop that in the email for you as well just so you've got a bit of context around those things.","start":2392.745,"end":2397.645,"sentiment":"neutral","sentiment_score":0.26511071363221045}],"sentiment":"neutral","sentiment_score":0.2125661502747486,"num_words":48,"start":2384.9802,"end":2397.645},{"sentences":[{"text":"And then, Joe, you'll also have my email.","start":2398.185,"end":2400.105,"sentiment":"neutral","sentiment_score":0.16691203601658344},{"text":"So if you wanna reply back with any additional questions, you're welcome to.","start":2400.105,"end":2403.945,"sentiment":"neutral","sentiment_score":0.25761459309321183},{"text":"I will answer them.","start":2403.945,"end":2404.825,"sentiment":"neutral","sentiment_score":0.25960027799010277},{"text":"If you need to talk about anything in further detail, let me know.","start":2404.825,"end":2407.99,"sentiment":"neutral","sentiment_score":0.16320141977988756},{"text":"I'll book you in, and we can go through a time to discuss whatever it is that you possibly need.","start":2407.99,"end":2412.95,"sentiment":"neutral","sentiment_score":0.2506758809089661}],"sentiment":"neutral","sentiment_score":0.2216866066486671,"num_words":58,"start":2398.185,"end":2412.95},{"sentences":[{"text":"Okay?","start":2412.95,"end":2413.45,"sentiment":"neutral","sentiment_score":0.1405424177646637},{"text":"That's okay.","start":2415.75,"end":2416.47,"sentiment":"neutral","sentiment_score":0.2995520234107971},{"text":"Not a problem at all.","start":2416.47,"end":2417.51,"sentiment":"neutral","sentiment_score":0.3018619537353516},{"text":"Now attach that email as you kinda noted before, we did also have the ongoing service agreement.","start":2417.51,"end":2423.345,"sentiment":"neutral","sentiment_score":0.18521708600661335},{"text":"So having us as your financial advisers looking after your super, we do charge the ongoing service fee.","start":2423.345,"end":2429.285,"sentiment":"neutral","sentiment_score":0.18055338081386355}],"sentiment":"neutral","sentiment_score":0.20110715232616247,"num_words":43,"start":2412.95,"end":2429.285},{"sentences":[{"text":"Because yourself and your husband are both clients with us, your ongoing fee you pay is 1.1%, so it is reduced from our normal fee.","start":2429.585,"end":2437.5,"sentiment":"neutral","sentiment_score":0.17664943993091584},{"text":"That that document sorry.","start":2438.52,"end":2441.4,"sentiment":"neutral","sentiment_score":0.076235206797719},{"text":"That's gonna ask you to sign.","start":2441.4,"end":2442.8398,"sentiment":"neutral","sentiment_score":0.12549116959174475},{"text":"It's just confirming you're happy to remain as a client and allowing us to continue charging that fee for the next twelve months.","start":2442.8398,"end":2448.94,"sentiment":"neutral","sentiment_score":0.2974579826645229},{"text":"And I will, for the time being, go back and update the advice for you and look at just replacing some of those investments for you as well, keeping you with that growth portfolio.","start":2449.9949,"end":2459.295,"sentiment":"neutral","sentiment_score":0.2284811283735668}],"sentiment":"neutral","sentiment_score":0.21830451966303846,"num_words":92,"start":2429.585,"end":2459.295},{"sentences":[{"text":"Are you comfortable at the moment whilst you're looking at the insurances?","start":2460.795,"end":2463.7798,"sentiment":"neutral","sentiment_score":0.05253403758009275},{"text":"If anything comes back and you decide you wanna reevaluate insurances, let me know.","start":2463.8398,"end":2468.5,"sentiment":"neutral","sentiment_score":0.05962852987327746},{"text":"We can have a really in-depth conversation, and I can always include that in that advice piece for you.","start":2468.5598,"end":2473.44,"sentiment":"neutral","sentiment_score":0.22839369036649404},{"text":"But for the time being, it'll just be around the investment side of things.","start":2473.44,"end":2477.2,"sentiment":"neutral","sentiment_score":0.11970587074756622},{"text":"Is that okay?","start":2477.2,"end":2478.0999,"sentiment":"neutral","sentiment_score":0.13987190028031668}],"sentiment":"neutral","sentiment_score":0.1274223528622139,"num_words":62,"start":2460.795,"end":2478.0999},{"sentences":[{"text":"Beautiful.","start":2481.015,"end":2481.515,"sentiment":"neutral","sentiment_score":0.02546985074877739},{"text":"I know I clobbered a lot today, but is there anything that you think I might have missed or anything that you wanted me to sort of bring up or chat to you about other than anything we have gone through at the moment?","start":2481.895,"end":2492.695,"sentiment":"neutral","sentiment_score":-0.0349213732406497},{"text":"Sorry.","start":2492.695,"end":2493.195,"sentiment":"neutral","sentiment_score":-0.15819349884986875},{"text":"That's okay.","start":2497.69,"end":2498.51,"sentiment":"positive","sentiment_score":0.5182690322399139},{"text":"Perfect.","start":2498.81,"end":2499.31,"sentiment":"positive","sentiment_score":0.5877699851989746}],"sentiment":"neutral","sentiment_score":-0.0009174698165484837,"num_words":49,"start":2481.015,"end":2499.31},{"sentences":[{"text":"Well, what I'll do is I will let you go.","start":2500.17,"end":2501.93,"sentiment":"neutral","sentiment_score":0.19276388585567475},{"text":"I'll follow-up with that email that just sort of goes through those bits and pieces, and you're welcome to email me back anything additional that you might have.","start":2501.93,"end":2509.065,"sentiment":"neutral","sentiment_score":0.22223528980144433},{"text":"Okay?","start":2509.385,"end":2509.885,"sentiment":"neutral","sentiment_score":0.10888439416885376},{"text":"Oh, my pleasure, Joe.","start":2512.825,"end":2514.2048,"sentiment":"positive","sentiment_score":0.6951683908700943},{"text":"Thank you so much for your time.","start":2514.265,"end":2515.545,"sentiment":"positive","sentiment_score":0.8533106957163129}],"sentiment":"positive","sentiment_score":0.3402591960132122,"num_words":50,"start":2500.17,"end":2515.545},{"sentences":[{"text":"You have a good afternoon.","start":2515.545,"end":2516.845,"sentiment":"positive","sentiment_score":0.7827335715293884},{"text":"A rest for one too.","start":2516.905,"end":2518.285,"sentiment":"positive","sentiment_score":0.6766774773597717},{"text":"Thanks for your time.","start":2520.993,"end":2521.873,"sentiment":"positive","sentiment_score":0.7285324931144714},{"text":"We'll talk to you soon.","start":2521.873,"end":2523.093,"sentiment":"positive","sentiment_score":0.43753392100334165},{"text":"See you later.","start":2523.153,"end":2523.973,"sentiment":"positive","sentiment_score":0.3803378740946452}],"sentiment":"positive","sentiment_score":0.6154485656456514,"num_words":22,"start":2515.545,"end":2523.973},{"sentences":[{"text":"Thanks.","start":2524.9128,"end":2525.393,"sentiment":"positive","sentiment_score":0.46949446201324463},{"text":"Bye.","start":2525.393,"end":2525.893,"sentiment":"neutral","sentiment_score":-0.10689197480678558}],"sentiment":"neutral","sentiment_score":0.18130124360322952,"num_words":2,"start":2524.9128,"end":2525.893}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thank you. Yeah. That's fine. I just got home. I had a resident convince my partner with my child, and I hadn't dressed her. So that took a while to convince that she was wearing clothes, and she wasn't in the nutty. Poor darling. So she was yelling out for ages. She's in the nutty. She's in the nutty. And I'm like, who's in the nutty? And she's just like like, she is. You haven't dressed your child. And I'm like, oh god. Okay. It's always interesting. Dementia's never nice. Yeah. We've had a lot of those hard horrible ones. No. No. Sometimes you can have a good laugh with them, and other times you're just like, oh my god. Yeah. No. I do. Hang on. Have you? Becca. And I'm getting into my email. Yes. Yes. That's fine. Yes. It's Joanne Nicole Roberts. Twenty first of the four seventy four. And you what else did you need? 25 Kirsten Court, Rachael, South Queensland 4123. It did. Yep. It did. Sometimes it doesn't. Yep. It said consent to new ongoing fee arrangement. I've got that one. Yep. I'll get the original email. Hang on. Right. So if I go into that and it says start the survey. 9. Where is it? All I've got is a signature request one. Yeah. Oh, yes. Services guide. Yep. Yep. It's alright. Now I've got overview services guide and FSG PDF. Open that. Yes. Yes. Yes. Got it. Yes. Yeah. Yes. Hang on. Hang on. I'll have to go back out again. Performance report. Yes. Yes. Yes. Yes. Yep. Yeah. That's fine. That'd be great. Yes. I can. Yep. Yes. Okay. Yes. Yep. Yes. That'd be great. That sounds right. Thank you. Yes. I have. Yep. No. It's at every every resident I go into, they got the news on it. You just sit there and just go for goodness sake. Yes. No. No. Everything seems yeah. It's fine as long as you're working for me. That's right. Yes. Yep. No. I can. Yeah. No. You're right. Probably between 65 and 70. You know, it just depends what because my husband's five years younger than me. Sorry. Yeah. I don't know. We haven't really discussed it. But, I mean, if if if we've got enough money, yeah, I'd retire sooner. Yeah. He's only 47, if you. Yes. I'm not a huge risk taker because I don't want to lose money. But if, you know, if someone advises me this is what you should be doing, then I'd do it. Bye. Yay. Go. Look. I don't look. To be honest with you, I don't really understand a lot of this. Like, I'm not stupid. Don't get me that. But I I it does worry me that, you know, losing money and stuff like that. I I like to have know that my money in the best possible hands. Probably anxious. Probably anxious. Yes. Okay. Yeah. Oh, okay. Yes. Yes. Oh, no. Whatever's gonna make me money. I I trust you. I couldn't do this myself. Yes. Yeah. No problem. Yes. Yep. That sounds fine. Thank you. Okay. Yes. Yes. Yes. Yes. Yes. But we've got an investment property as well. So so we've got an investment property in Melbourne. Yes. You'd have to check with my husband. I have no idea. I know that the property was $4.50 to build, but I've I'm so sorry. I don't know. But it it could be could be a bit more. Yeah. We went last year when it was finally finished, so it's only been, like, I think at November, it finished. It seems free in value because it was there it's evidently in a high growth area, so I'm not sure. But they but this house here, we only got for cheap. So, you know, it's now worth a hell of a lot more. Hang on. I'll go find the the husband's. I can't remember the name of the suburb. I've been there, but I have no idea. Hi. Hi. Oh, hang on. It won't be a second. I'm just locating you. Bye. Where's this property that we've got in Melbourne? What suburb is it in? Woodstock. Woodstock. 790. Wouldn't have the foggiest. I wonder if because I'm with a few as well, they can have the information shared between my account and your account. Oh, okay. I went through all that the other day with Michelle. Yeah. So my husband's with Otheer as well. So it should all be yeah. Yes. Yes. I've got an Audi. An Audi q five. Oh, I love it. I love it. It's it's lovely to drive, but it's got a when I first got it, it because it's a diesel, when you put your foot down, it really flies. So you've gotta drive it very cautiously. Because I was used to my car because I had a I had an ASX, and I suddenly went to this car, and I was at a set of traffic lights. And, I mean, I didn't because I was used to driving the ASX. It's the same build of car, like, sort of style. And I just touched it, and I flew through the lights after work, and I just went, oh, crap. It was the first time I driven it. So now I'm I'm a bit more cautious. Asha, leave the cat alone, please. Sorry. My grandson is smothering the poor cat. Yes. Yes. No. Yep. What would you advise? Yeah. I think he'd sell it because the goal was the guy that we got it through, he suggested between two and ten years keeping the property, so but he'd probably sell it. Yeah. Yes. What's what's TPD? Oh, god. I don't know. I'll I'll speak to Richard and see what what he suggest. Yep. I'll I'll work it out with him. Yeah. That'd be great. Yep. That'd be great. Yeah. Yeah. That'd be good. Thank you. I get paid $36.40 an hour, and I work Monday to Friday, 06:30 to 02:30. So it's it's it's I think it's, like, seventy four hours, and I don't know how how they work. You know, something something like that, but they it's underneath the eighty hours, so they don't have to give us because you get paid for one break and not for the other. So yeah. But, yeah, I've I've got a tax thing for last year if you wanna know, but I think it might be based on hang on. Hang on. Hang on. Yeah. I think it's about there. I've got it on my human support. Where's my earnings? Payslip. Where are we? So year to date, I've been paid $72,530. Yeah. Yeah. Well, I get it'll be be a bit more than that. But yeah. But no. But that's that's about it. So yeah. Yes. Yep. Yep. That's fine. Thank you. Yep. Okay. Yep. Yes. It does. Yes. Yep. Yes. Yep. Not a problem yet. K. Thank you very much. Yep. Yep. Yep. Yeah. I'll have a look. Yep. Yep. Yep. That's correct. Yep. How much do you have to extra do you have to put in? Another thing I'll talk to my husband about. Yeah. Yep. Yep. Oh, no. My husband and I, we bank money. Yeah. Yeah. I get paid fortnightly. And when we do it fortnightly, it's basically most of my wage. And and we use Richard's so we use my wage for the put in the bills and put the rest in savings and stuff like that. So we use his money to to live on pretty much. Yeah. Except we're renovating. So Yeah. Yeah. A little bit more. Yeah. Frustrating. That's right. Like like, we decided to pull down a half wall and to get so we got the flooring. The half wall is still not painted. We've got my in laws coming on Saturday, and it's just you know? And then my grandson broke the bed they gave him and oh, well. Yep. Yes. Well, we we got a new kitchen. So we've got a new kitchen, and still doesn't have the flooring in it, and the carpet needs to be lanked up. You know, there's just a painting and just every time we think of something, it's just sort of it's like a mountain. It's a pain in the backside. But what what they make out is so easy is not you know, you see them on renovating shows going, oh, we did this, and my husband goes, that'll be good in our place, and then we start looking at what you need to do, and it's just like I've stuck that. See, we live up a steep driveway. So we've got tiers on one side that are coming apart because, you know, that it's definitely, like, starting to drop a little bit, and it's just like and then it rains, and you're just like, all the oh, we got Singapore Daisy. Oh, look. It's just a mess. Oh. So like I always say to people, if they come over, I don't worry about the garden. I said, we'll deal with that when we finish the house. Yep. That's fine. Thank you. Yes. No. No. No. It's not something we've discussed. I suppose it sounds a bit more, but it doesn't. It's really talking about when I'm done. Yes. Oh. I'm on my company. Yes. Yep. Yes. It does. Oh, okay. Yep. Yeah. Yes. It does. Yeah. That'd be great. Thanks. Yes. It is. Yes. Okay. Thank you very much. I will. Yes. That's fine. Thank you. No. No. Everything's great. Thank you. Yes. Yep. Excellent. Thank you very much. Thank you very much. Bye bye. 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Good. Thank you. Yeah. That's fine.\n\nI just got home. I had a resident convince my partner with my child, and I hadn't dressed her. So that took a while to convince that she was wearing clothes, and she wasn't in the nutty. Poor darling. So she was yelling out for ages.\n\nShe's in the nutty. She's in the nutty. And I'm like, who's in the nutty? And she's just like like, she is. You haven't dressed your child.\n\nAnd I'm like, oh god. Okay. It's always interesting. Dementia's never nice. Yeah.\n\nWe've had a lot of those hard horrible ones. No. No. Sometimes you can have a good laugh with them, and other times you're just like, oh my god. Yeah.\n\nNo. I do. Hang on. Have you? Becca.\n\nAnd I'm getting into my email. Yes. Yes. That's fine. Yes.\n\nIt's Joanne Nicole Roberts. Twenty first of the four seventy four. And you what else did you need? 25 Kirsten Court, Rachael, South Queensland 4123. It did.\n\nYep. It did. Sometimes it doesn't. Yep. It said consent to new ongoing fee arrangement.\n\nI've got that one. Yep. I'll get the original email. Hang on. Right.\n\nSo if I go into that and it says start the survey. 9. Where is it? All I've got is a signature request one. Yeah.\n\nOh, yes. Services guide. Yep. Yep. It's alright.\n\nNow I've got overview services guide and FSG PDF. Open that. Yes. Yes. Yes.\n\nGot it. Yes. Yeah. Yes. Hang on.\n\nHang on. I'll have to go back out again. Performance report. Yes. Yes.\n\nYes. Yes. Yep. Yeah. That's fine.\n\nThat'd be great. Yes. I can. Yep. Yes.\n\nOkay. Yes. Yep. Yes. That'd be great.\n\nThat sounds right. Thank you. Yes. I have. Yep.\n\nNo. It's at every every resident I go into, they got the news on it. You just sit there and just go for goodness sake. Yes. No.\n\nNo. Everything seems yeah. It's fine as long as you're working for me. That's right. Yes.\n\nYep. No. I can. Yeah. No.\n\nYou're right. Probably between 65 and 70. You know, it just depends what because my husband's five years younger than me. Sorry. Yeah.\n\nI don't know. We haven't really discussed it. But, I mean, if if if we've got enough money, yeah, I'd retire sooner. Yeah. He's only 47, if you.\n\nYes. I'm not a huge risk taker because I don't want to lose money. But if, you know, if someone advises me this is what you should be doing, then I'd do it. Bye. Yay.\n\nGo. Look. I don't look. To be honest with you, I don't really understand a lot of this. Like, I'm not stupid.\n\nDon't get me that. But I I it does worry me that, you know, losing money and stuff like that. I I like to have know that my money in the best possible hands. Probably anxious. Probably anxious.\n\nYes. Okay. Yeah. Oh, okay. Yes.\n\nYes. Oh, no. Whatever's gonna make me money. I I trust you. I couldn't do this myself.\n\nYes. Yeah. No problem. Yes. Yep.\n\nThat sounds fine. Thank you. Okay. Yes. Yes.\n\nYes. Yes. Yes. But we've got an investment property as well. So so we've got an investment property in Melbourne.\n\nYes. You'd have to check with my husband. I have no idea. I know that the property was $4.50 to build, but I've I'm so sorry. I don't know.\n\nBut it it could be could be a bit more. Yeah. We went last year when it was finally finished, so it's only been, like, I think at November, it finished. It seems free in value because it was there it's evidently in a high growth area, so I'm not sure. But they but this house here, we only got for cheap.\n\nSo, you know, it's now worth a hell of a lot more. Hang on. I'll go find the the husband's. I can't remember the name of the suburb. I've been there, but I have no idea.\n\nHi. Hi. Oh, hang on. It won't be a second. I'm just locating you.\n\nBye. Where's this property that we've got in Melbourne? What suburb is it in? Woodstock. Woodstock.\n\n790. Wouldn't have the foggiest. I wonder if because I'm with a few as well, they can have the information shared between my account and your account. Oh, okay. I went through all that the other day with Michelle.\n\nYeah. So my husband's with Otheer as well. So it should all be yeah. Yes. Yes.\n\nI've got an Audi. An Audi q five. Oh, I love it. I love it. It's it's lovely to drive, but it's got a when I first got it, it because it's a diesel, when you put your foot down, it really flies.\n\nSo you've gotta drive it very cautiously. Because I was used to my car because I had a I had an ASX, and I suddenly went to this car, and I was at a set of traffic lights. And, I mean, I didn't because I was used to driving the ASX. It's the same build of car, like, sort of style. And I just touched it, and I flew through the lights after work, and I just went, oh, crap.\n\nIt was the first time I driven it. So now I'm I'm a bit more cautious. Asha, leave the cat alone, please. Sorry. My grandson is smothering the poor cat.\n\nYes. Yes. No. Yep. What would you advise?\n\nYeah. I think he'd sell it because the goal was the guy that we got it through, he suggested between two and ten years keeping the property, so but he'd probably sell it. Yeah. Yes. What's what's TPD?\n\nOh, god. I don't know. I'll I'll speak to Richard and see what what he suggest. Yep. I'll I'll work it out with him.\n\nYeah. That'd be great. Yep. That'd be great. Yeah.\n\nYeah. That'd be good. Thank you. I get paid $36.40 an hour, and I work Monday to Friday, 06:30 to 02:30. So it's it's it's I think it's, like, seventy four hours, and I don't know how how they work.\n\nYou know, something something like that, but they it's underneath the eighty hours, so they don't have to give us because you get paid for one break and not for the other. So yeah. But, yeah, I've I've got a tax thing for last year if you wanna know, but I think it might be based on hang on. Hang on. Hang on.\n\nYeah. I think it's about there. I've got it on my human support. Where's my earnings? Payslip.\n\nWhere are we? So year to date, I've been paid $72,530. Yeah. Yeah. Well, I get it'll be be a bit more than that.\n\nBut yeah. But no. But that's that's about it. So yeah. Yes.\n\nYep. Yep. That's fine. Thank you. Yep.\n\nOkay. Yep. Yes. It does. Yes.\n\nYep. Yes. Yep. Not a problem yet. K.\n\nThank you very much. Yep. Yep. Yep. Yeah.\n\nI'll have a look. Yep. Yep. Yep. That's correct.\n\nYep. How much do you have to extra do you have to put in? Another thing I'll talk to my husband about. Yeah. Yep.\n\nYep. Oh, no. My husband and I, we bank money. Yeah. Yeah.\n\nI get paid fortnightly. And when we do it fortnightly, it's basically most of my wage. And and we use Richard's so we use my wage for the put in the bills and put the rest in savings and stuff like that. So we use his money to to live on pretty much. Yeah.\n\nExcept we're renovating. So Yeah. Yeah. A little bit more. Yeah.\n\nFrustrating. That's right. Like like, we decided to pull down a half wall and to get so we got the flooring. The half wall is still not painted. We've got my in laws coming on Saturday, and it's just you know?\n\nAnd then my grandson broke the bed they gave him and oh, well. Yep. Yes. Well, we we got a new kitchen. So we've got a new kitchen, and still doesn't have the flooring in it, and the carpet needs to be lanked up.\n\nYou know, there's just a painting and just every time we think of something, it's just sort of it's like a mountain. It's a pain in the backside. But what what they make out is so easy is not you know, you see them on renovating shows going, oh, we did this, and my husband goes, that'll be good in our place, and then we start looking at what you need to do, and it's just like I've stuck that. See, we live up a steep driveway. So we've got tiers on one side that are coming apart because, you know, that it's definitely, like, starting to drop a little bit, and it's just like and then it rains, and you're just like, all the oh, we got Singapore Daisy.\n\nOh, look. It's just a mess. Oh. So like I always say to people, if they come over, I don't worry about the garden. I said, we'll deal with that when we finish the house.\n\nYep. That's fine. Thank you. Yes. No.\n\nNo. No. It's not something we've discussed. I suppose it sounds a bit more, but it doesn't. It's really talking about when I'm done.\n\nYes. Oh. I'm on my company. Yes. Yep.\n\nYes. It does. Oh, okay. Yep. Yeah.\n\nYes. It does. Yeah. That'd be great. Thanks.\n\nYes. It is. Yes. Okay. Thank you very much.\n\nI will. Yes. That's fine. Thank you. No.\n\nNo. Everything's great. Thank you. Yes. Yep.\n\nExcellent. Thank you very much. Thank you very much. Bye bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.025509662926197052},{"text":"Good.","start":6.48,"end":6.8799996,"sentiment":"positive","sentiment_score":0.5758283138275146},{"text":"Thank you.","start":6.8799996,"end":7.54,"sentiment":"positive","sentiment_score":0.6798275709152222},{"text":"Yeah.","start":13.04,"end":13.36,"sentiment":"neutral","sentiment_score":0.18605636060237885},{"text":"That's fine.","start":13.36,"end":14.08,"sentiment":"neutral","sentiment_score":0.25010618567466736}],"sentiment":"positive","sentiment_score":0.3781802643622671,"num_words":7,"start":0.96,"end":14.08},{"sentences":[{"text":"I just got home.","start":14.08,"end":15.285,"sentiment":"neutral","sentiment_score":0.21167049184441564},{"text":"I had a resident convince my partner with my child, and I hadn't dressed her.","start":19.925,"end":24.724998,"sentiment":"neutral","sentiment_score":-0.08047552729646365},{"text":"So that took 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okay.","start":1207.42,"end":1207.98,"sentiment":"neutral","sentiment_score":0.055161748081445694},{"text":"I went through all that the other day with Michelle.","start":1207.98,"end":1210.3201,"sentiment":"neutral","sentiment_score":0.056491179019212724}],"sentiment":"neutral","sentiment_score":-0.004671500589794073,"num_words":39,"start":1173.2151,"end":1210.3201},{"sentences":[{"text":"Yeah.","start":1210.46,"end":1210.86,"sentiment":"neutral","sentiment_score":0.05670677870512009},{"text":"So my husband's with Otheer as well.","start":1210.86,"end":1213.76,"sentiment":"neutral","sentiment_score":0.05358060449361801},{"text":"So it should all be 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when you put your foot down, it really flies.","start":1243.59,"end":1254.225,"sentiment":"neutral","sentiment_score":0.05220836587250233}],"sentiment":"neutral","sentiment_score":0.12818546406924725,"num_words":43,"start":1234.255,"end":1254.225},{"sentences":[{"text":"So you've gotta drive it very cautiously.","start":1254.225,"end":1256.245,"sentiment":"neutral","sentiment_score":-0.11785483360290527},{"text":"Because I was used to my car because I had a I had an ASX, and I suddenly went to this car, and I was at a set of traffic lights.","start":1258.225,"end":1268.59,"sentiment":"neutral","sentiment_score":-0.02914480801912085},{"text":"And, I mean, I didn't because I was used to driving the ASX.","start":1268.59,"end":1272.2899,"sentiment":"neutral","sentiment_score":-0.026890775475364465},{"text":"It's the same build of car, like, sort of style.","start":1272.83,"end":1275.4099,"sentiment":"neutral","sentiment_score":0.00447617219761014},{"text":"And I just touched it, and I flew through the lights after work, and I just went, oh, crap.","start":1275.9551,"end":1281.655,"sentiment":"neutral","sentiment_score":-0.025241377420331303}],"sentiment":"neutral","sentiment_score":-0.03141096767503768,"num_words":80,"start":1254.225,"end":1281.655},{"sentences":[{"text":"It was the first time I driven it.","start":1282.035,"end":1283.555,"sentiment":"neutral","sentiment_score":-0.025375799858011305},{"text":"So now I'm I'm a bit more cautious.","start":1283.555,"end":1285.655,"sentiment":"neutral","sentiment_score":-0.026041312026791275},{"text":"Asha, leave the cat alone, please.","start":1297.99,"end":1300.3301,"sentiment":"neutral","sentiment_score":0.00023593101650476456},{"text":"Sorry.","start":1300.63,"end":1301.03,"sentiment":"neutral","sentiment_score":-0.16106902062892914},{"text":"My grandson is smothering the poor 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advise?","start":1336.845,"end":1338.065,"sentiment":"neutral","sentiment_score":-0.03626252617686987}],"sentiment":"neutral","sentiment_score":-0.02633026713738218,"num_words":8,"start":1317.935,"end":1338.065},{"sentences":[{"text":"Yeah.","start":1360.19,"end":1360.69,"sentiment":"neutral","sentiment_score":-0.0526755265891552},{"text":"I think he'd sell it because the goal was the guy that we got it through, he suggested between two and ten years keeping the property, so but he'd probably sell it.","start":1367.715,"end":1381.52,"sentiment":"neutral","sentiment_score":-0.09215744223911315},{"text":"Yeah.","start":1388.22,"end":1388.72,"sentiment":"neutral","sentiment_score":0.09504273533821106},{"text":"Yes.","start":1393.1,"end":1393.6,"sentiment":"neutral","sentiment_score":0.1623724102973938},{"text":"What's what's 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work.","start":1499.99,"end":1509.1449,"sentiment":"neutral","sentiment_score":0.002080431747201242}],"sentiment":"neutral","sentiment_score":0.08773612829390913,"num_words":40,"start":1467.35,"end":1509.1449},{"sentences":[{"text":"You know, something something like that, but they it's underneath the eighty hours, so they don't have to give us because you get paid for one break and not for the other.","start":1509.1449,"end":1518.74,"sentiment":"neutral","sentiment_score":0.04375242683454417},{"text":"So yeah.","start":1519.9199,"end":1521.22,"sentiment":"neutral","sentiment_score":0.051084188744425774},{"text":"But, yeah, I've I've got a tax thing for last year if you wanna know, but I think it might be based on hang on.","start":1524.64,"end":1531.705,"sentiment":"neutral","sentiment_score":0.015273884572088718},{"text":"Hang on.","start":1531.705,"end":1532.1849,"sentiment":"neutral","sentiment_score":0.004900706931948662},{"text":"Hang 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we?","start":1547.34,"end":1548.32,"sentiment":"neutral","sentiment_score":-0.0008037981266776724},{"text":"So year to date, I've been paid $72,530.","start":1557.045,"end":1562.1051,"sentiment":"neutral","sentiment_score":0.004369550850242376},{"text":"Yeah.","start":1570.405,"end":1570.905,"sentiment":"neutral","sentiment_score":0.007574070245027542},{"text":"Yeah.","start":1570.9651,"end":1571.285,"sentiment":"neutral","sentiment_score":0.006398383527994156},{"text":"Well, I get it'll be be a bit more than that.","start":1571.285,"end":1574.95,"sentiment":"neutral","sentiment_score":0.009323518892580812}],"sentiment":"neutral","sentiment_score":0.00621150725055486,"num_words":24,"start":1547.34,"end":1574.95},{"sentences":[{"text":"But yeah.","start":1574.95,"end":1575.43,"sentiment":"neutral","sentiment_score":-0.021811144426465034},{"text":"But no.","start":1575.43,"end":1575.91,"sentiment":"neutral","sentiment_score":-0.08428922668099403},{"text":"But that's that's about 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you.","start":2496.315,"end":2497.135,"sentiment":"positive","sentiment_score":0.6851799488067627},{"text":"Yes.","start":2508.7102,"end":2509.2102,"sentiment":"neutral","sentiment_score":0.10951702296733856},{"text":"Yep.","start":2509.9102,"end":2510.31,"sentiment":"neutral","sentiment_score":0.24375364184379575}],"sentiment":"positive","sentiment_score":0.36537864591394154,"num_words":7,"start":2494.955,"end":2510.31},{"sentences":[{"text":"Excellent.","start":2510.31,"end":2510.81,"sentiment":"positive","sentiment_score":0.7373822927474976},{"text":"Thank you very much.","start":2511.03,"end":2512.155,"sentiment":"positive","sentiment_score":0.7883080989122391},{"text":"Thank you very much.","start":2518.955,"end":2520.243,"sentiment":"positive","sentiment_score":0.762547180056572},{"text":"Bye bye.","start":2523.603,"end":2524.343,"sentiment":"neutral","sentiment_score":0.201861210167408},{"text":"Bye.","start":2525.1228,"end":2525.6228,"sentiment":"neutral","sentiment_score":0.22747597098350525}],"sentiment":"positive","sentiment_score":0.6310001499950886,"num_words":12,"start":2510.31,"end":2525.6228}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Joanne. This is Dana from Oakview Financial. How are you this afternoon?\n\nChannel 1: Good. Thank you.\n\nChannel 0: That's good. 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. That's fine. I just got home.\n\nChannel 0: Oh, wow. How's your day been?\n\nChannel 1: I had a resident convince my partner with my child, and I hadn't dressed her. So that took a while to convince that she was wearing clothes, and she wasn't in\n\nChannel 0: Oh,\n\nChannel 1: the nutty.\n\nChannel 0: no.\n\nChannel 1: Poor\n\nChannel 0: Oh,\n\nChannel 1: darling.\n\nChannel 0: no.\n\nChannel 1: So she was yelling out for ages. She's in the nutty. She's in the nutty. And I'm like, who's in the nutty? And she's just like like, she is.\n\nYou haven't dressed your child. And I'm like, oh god.\n\nChannel 0: Oh, goodness me. Sounds like you've had an eventful one. That's for sure.\n\nChannel 1: Okay. It's always interesting. Dementia's never nice.\n\nChannel 0: No. Absolutely. No. My mom's an age 10 nurse, and, yeah, she goes through those ups and downs. She has days where she goes, wow.\n\nIt was a funny day and days where she goes, that was a really hard, horrible day. So I understand.\n\nChannel 1: Yeah. We've had a lot of those hard horrible ones.\n\nChannel 0: I bet. It never gets easier.\n\nChannel 1: No. No. Sometimes you can have a good laugh with them, and other times you're just like, oh my god.\n\nChannel 0: Yeah. Yeah. No. Understandable. Well, as I kinda mentioned there, Deborah, that got you booked in to go through your annual review today.\n\nNow do you happen to have access to your emails at the moment? If you don't, that's absolutely fine.\n\nChannel 1: Yeah. No. I do. Hang on.\n\nChannel 0: You do? That's okay.\n\nChannel 1: Have\n\nChannel 0: I'm\n\nChannel 1: you?\n\nChannel 0: just gonna\n\nChannel 1: Becca.\n\nChannel 0: send\n\nChannel 1: And\n\nChannel 0: yay.\n\nChannel 1: I'm getting\n\nChannel 0: Not\n\nChannel 1: into\n\nChannel 0: a\n\nChannel 1: my email. Yes.\n\nChannel 0: problem. Beautiful. I'm sending that one through to you now. It's just got your annual review pack there for you. And before we jump in the call, I do just have to let you know we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that?\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Fantastic. And just to also do security there with you as well, just confirming your full name, your address, and date of birth I should have.\n\nChannel 1: Yes. It's Joanne Nicole Roberts. Twenty first of the four seventy four.\n\nChannel 0: Yep.\n\nChannel 1: And you what else did you need?\n\nChannel 0: Address. Sorry.\n\nChannel 1: 25 Kirsten Court, Rachael, South Queensland 4123.\n\nChannel 0: Beautiful. Thank you so much for that. Now, hopefully, the email comes through fairly quickly there for you.\n\nChannel 1: It\n\nChannel 0: If\n\nChannel 1: did.\n\nChannel 0: it doesn't, let me know. It did all good. I do\n\nChannel 1: Yep.\n\nChannel 0: like when\n\nChannel 1: It\n\nChannel 0: technology\n\nChannel 1: did.\n\nChannel 0: works to our advantage.\n\nChannel 1: Sometimes it doesn't.\n\nChannel 0: That's it. All good. Now when you open that one there, there is a document there to sign, but I don't I don't want you to sign it out of the app. We do have underneath at the bottom, if you kinda scroll down a little bit, just a couple of additional attachments there. And they're essentially your annual review documents I'm gonna run through.\n\nChannel 1: Yep.\n\nChannel 0: One of them should say superannuation summary and insurances. Is that the one you can see there?\n\nChannel 1: It said consent to new ongoing fee arrangement. I've got that one.\n\nChannel 0: Yep. That's the one that's gonna ask you to sign, but I don't want you to sign anything as of yet. Is there if you scroll down, can you see the attachments? Because I did attach it about six or seven different documents there. If not, you might need to go back out just to the\n\nChannel 1: Yep.\n\nChannel 0: original email. Yeah.\n\nChannel 1: I'll get the original email. Hang on.\n\nChannel 0: That's okay.\n\nChannel 1: Right. So if I go into that\n\nChannel 0: Yep.\n\nChannel 1: and it says start the survey. 9. Where is it?\n\nChannel 0: If you\n\nChannel 1: All I've got\n\nChannel 0: when\n\nChannel 1: is\n\nChannel 0: you\n\nChannel 1: a signature request one. Yeah.\n\nChannel 0: yes. That's the\n\nChannel 1: Oh,\n\nChannel 0: email.\n\nChannel 1: yes.\n\nChannel 0: Normally,\n\nChannel 1: Services\n\nChannel 0: when you open\n\nChannel 1: guide.\n\nChannel 0: that, you\n\nChannel 1: Yep.\n\nChannel 0: just yep. That's the one. Yeah. Sorry. No.\n\nIt's normally at the very bottom. It's like a little\n\nChannel 1: Yep.\n\nChannel 0: blue writing. Yeah. So sorry.\n\nChannel 1: It's alright. Now I've got overview services guide and FSG\n\nChannel 0: Yep.\n\nChannel 1: PDF.\n\nChannel 0: Yep.\n\nChannel 1: Open that.\n\nChannel 0: And if you no, sir. If you just ignore those couple because they're just\n\nChannel 1: Yes.\n\nChannel 0: the the IT services guide, underneath that, one of those should say super and insurances\n\nChannel 1: Yes.\n\nChannel 0: or\n\nChannel 1: Yes.\n\nChannel 0: summary.\n\nChannel 1: Got\n\nChannel 0: Yep.\n\nChannel 1: it. Yes.\n\nChannel 0: That's the one you're after. That's just giving you an updated balance there. So just to give you a bit of a run through first up of your super,\n\nChannel 1: Yeah.\n\nChannel 0: as of the June 12, which is when we prepared these documents there for you, your balance is 66,234 and 77¢ there. So you have had a good increase coming on board.\n\nChannel 1: Yes.\n\nChannel 0: The other document, if you go back out, there should be another one that says performance with IRR or internal rate of return. Can you see a document that says performance at all?\n\nChannel 1: Hang on. Hang on.\n\nChannel 0: That's okay. You're fine.\n\nChannel 1: I'll have to go back out again.\n\nChannel 0: I'm so sorry.\n\nChannel 1: Performance report.\n\nChannel 0: That's the one. Yeah. Yeah. So this one\n\nChannel 1: Yes.\n\nChannel 0: here outlines all the individual assets and how they have performed in your secret for the last twelve months.\n\nChannel 1: Yes.\n\nChannel 0: When you're looking at that one, the first page, you'll see it has a list of all the individual investments that you have there. And across the second last column shows how they have all performed individually, which is not\n\nChannel 1: Yes.\n\nChannel 0: doing too bad. Everything is working quite nicely. I can just see you've got your India investment, which is down at moment about 20% down, and the Benelon Australian Equities is down to that 19%.\n\nChannel 1: Yes.\n\nChannel 0: Those two, I actually think I would probably have a bit of a look at your statement beforehand. I'd like to go back and just review those investments and maybe look at switching them out if there's something better. I definitely\n\nChannel 1: Yep.\n\nChannel 0: don't wanna have any underperforming investments, and every so often, it's good to have those reevaluated. Are you happy with me doing that\n\nChannel 1: Yeah.\n\nChannel 0: for you,\n\nChannel 1: That's\n\nChannel 0: Jo?\n\nChannel 1: fine.\n\nChannel 0: Yeah.\n\nChannel 1: That'd be great.\n\nChannel 0: Yep. Fantastic. Let's look at putting something better in its place there for you. If you scroll down to the second page of that document, this kinda shows you an overall look of how your super has performed and necessities for the year. So if you look at the second last column there, it has internal rate of return, and underneath that, it says 3.49%.\n\nCan you see that there?\n\nChannel 1: Yes. I can.\n\nChannel 0: Yeah. So it's showing you that after fees, so net of fees, your super has shown a a positive return for the year of 3.49%. So\n\nChannel 1: Yep.\n\nChannel 0: it is very much a lower return than what we'd like to get out of the growth portfolio. So because you're\n\nChannel 1: Yes.\n\nChannel 0: in that growth environment there, we're sort of chasing an average return of around about seven to 9%. So it\n\nChannel 1: Okay.\n\nChannel 0: is definitely\n\nChannel 1: Yes.\n\nChannel 0: lower. It's sort of being held back by those two underperforming investments, the Bannalong and Equities and the India exposure,\n\nChannel 1: Yep.\n\nChannel 0: and they're\n\nChannel 1: Yes.\n\nChannel 0: seeing a lot of volatility again because of what's been happening globally. So I'll go back and review those two investments, look at maybe removing those and replacing them with something better for you,\n\nChannel 1: That'd\n\nChannel 0: and\n\nChannel 1: be\n\nChannel 0: look\n\nChannel 1: great.\n\nChannel 0: at seeing if we can get your super working a bit harder for you. How does that sound?\n\nChannel 1: That sounds right. Thank you.\n\nChannel 0: Beautiful. However, it is important to note that having a positive return at the moment is still a good thing because of what we have seen with The US and Iran and what's happening globally there. The markets have been very up and down. I'm sure you've been hearing a lot about what's\n\nChannel 1: Yes.\n\nChannel 0: happening\n\nChannel 1: I\n\nChannel 0: in\n\nChannel 1: have.\n\nChannel 0: the news.\n\nChannel 1: Yep.\n\nChannel 0: Can't really escape any of it, can you?\n\nChannel 1: No. It's at every every resident I go into, they got the news on it. You just sit there and just go\n\nChannel 0: Yep.\n\nChannel 1: for goodness sake.\n\nChannel 0: Yep. I understand. Yeah. But now, if you have got a positive return for these, that is a good thing, albeit a much lower return than expected. We have seen a bit more volatility in the market.\n\nAnd, obviously, within Australia, we've also seen very much high inflation as well. So that is\n\nChannel 1: Yes.\n\nChannel 0: at the moment, you know, having the RBA and the government trying to compact combat that inflation. But when we sort of talk to your local economists, they are also just saying that we expect that high inflation to stick around possibly until about the end of the year, maybe early next year. So we'll see what happens moving forward. I know they are meant to be putting out an update shortly. I haven't actually seen the update being released today, but they were hoping to hold interest rates today.\n\nSo we'll see what comes out this afternoon. Yeah. So that's essentially giving you an update on your super there at the moment. I definitely wanna review some of those investments for you. But do you have any questions about your super or anything specific about what we've gone through?\n\nOr\n\nChannel 1: No. No. Everything seems\n\nChannel 0: no?\n\nChannel 1: yeah. It's fine as long as you're working for me. That's right.\n\nChannel 0: Fantastic. Good to see. Well, what I do also wanna do with you this afternoon, this is a bit of a quick risk profile questionnaire as well just to make sure you are still in should be invested in that growth environment. It helps me to determine when and if we should be maybe reducing or risk or changing your exposure level. Okay?\n\nChannel 1: Yes. Yep.\n\nChannel 0: The first one here is have you ever owned shares or investments in your own name before?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. Beautiful. The next one here is looking at the time horizon. So when you came on board originally back in 2024 sorry.\n\nCan you hear me okay, Jess?\n\nChannel 1: I can. Yeah.\n\nChannel 0: Yeah. Sorry. I thought the phone just cut out. I do apologize.\n\nChannel 1: No. You're right.\n\nChannel 0: The we originally worked on a goal of being able to or hopefully retire around about age 65. Are you still working on that goal? Are you hoping to retire earlier? What are you sort of thinking moving forward?\n\nChannel 1: Probably between 65 and 70. You know,\n\nChannel 0: Yep.\n\nChannel 1: it just\n\nChannel 0: Yep.\n\nChannel 1: depends\n\nChannel 0: Beautiful.\n\nChannel 1: what because my husband's five years younger than me. Sorry.\n\nChannel 0: Okay. Five years younger than you. Is he wanting to retire about when you are, or do you think you\n\nChannel 1: Yeah.\n\nChannel 0: work a bit longer to get to his retirement age? Or\n\nChannel 1: I don't know. We haven't really discussed it. But, I mean, if if if we've got enough money, yeah, I'd retire sooner.\n\nChannel 0: Yep. Yep. No. Not a problem at all. And having a look at things at the moment, now you're 52 this year.\n\nIs that right?\n\nChannel 1: Yeah. He's only 47, if you.\n\nChannel 0: Yeah. That's okay. We got plenty of time ahead of us there at the moment. Even based on that age, it's absolutely fine. Perfect.\n\nChannel 1: Yes.\n\nChannel 0: Now the next question here is about volatility, and it's basically asking how much risk do you see yourself comfortable taking in order to get those higher returns out of your super? Do you consider yourself to be a high risk taker? You want the best returns you possibly can to get, you you know, to to get yourself to your super higher and to get your goal. Do you maybe consider yourself to be more of a moderate or medium risk taker to try and get the best returns you possibly can or not a risk taker at all getting next to no returns? How How do you sort of see yourself in there?\n\nChannel 1: I'm not a huge risk taker because I don't want to lose money.\n\nChannel 0: Yep.\n\nChannel 1: But if, you know, if someone advises me this is what you should be doing, then\n\nChannel 0: Yep.\n\nChannel 1: I'd do it.\n\nChannel 0: That's\n\nChannel 1: Bye.\n\nChannel 0: okay. Beautiful. Not a problem. So you probably see yourself in the middle range there at the moment.\n\nChannel 1: Yay.\n\nChannel 0: Yep. Absolutely fine. The next one here, it says, if you pull your super four by 20% in the next sort of six to twelve months, how do you think you might be feeling? Are you thinking it's a buying opportunity? Wanna put, like, a large lump sum of money in, take\n\nChannel 1: Go.\n\nChannel 0: advantage of the downtime? Maybe hold and wait, speak to us and see what we think you should do, or are you more likely to try and sell that asset and put your money in cash?\n\nChannel 1: Look. I don't look. To be honest with you, I don't really understand a lot of this. Like, I'm\n\nChannel 0: Yep.\n\nChannel 1: not stupid. Don't get me that. But I\n\nChannel 0: No.\n\nChannel 1: I it does worry me that, you know, losing money and stuff like that. I I like to have know that my money in the best possible hands.\n\nChannel 0: Yeah. Absolutely. No. Not not a problem at all. The second last one here, it says, have you ever seen your super fall in value?\n\nKnowing that you you know, as you've kinda said to me, it can be quite concerning when you do see it fall in value. Do you think if you fall a market dip in the future, you might be feeling cautious, concerned, anxious, or optimistic? Where do you think\n\nChannel 1: Probably\n\nChannel 0: you might fall in that\n\nChannel 1: anxious.\n\nChannel 0: category? Anxious.\n\nChannel 1: Probably anxious.\n\nChannel 0: Yeah. That's absolutely okay. Beautiful. Fantastic. Now you have scored in that growth environment there.\n\nSo as we kind of have you at the moment, a growth profile generally sees about 80% of your super in more of that high risk environment. So looking at things like international shares, Australian shares, property, and also commodities like gold and silver. You've got some of the gold in your portfolio as well. And\n\nChannel 1: Yes.\n\nChannel 0: then the other smaller 20% is seem to be in a low risk environment, things like cash, bonds, and fixed interest. What we're sort of wanting to do with this sort of asset allocation is have some of your money in those higher growth in assets, like the international and Australian shares, properties, and commodities because that's where you get a lot of your growth from. But we don't\n\nChannel 1: Okay.\n\nChannel 0: wanna have all of your money sitting in there because those investments are the ones that go up and down. That's what makes you feel nervous when you hear the news and they tell you that $50,000,000,000 is being wiped off the market. It's because those equities, those shares have dropped in value or they've gone down a little bit. There's been a big sell off. Not with that $80.20 split that you have at the moment, as I kinda mentioned before, we're looking for an average rate of return of about seven to 9% on a yearly basis,\n\nChannel 1: Yeah.\n\nChannel 0: and you can expect a negative return generally every one and every five years.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: okay.\n\nChannel 0: it's about yeah. So, realistically, when you think about the risk level you're taking in this sort of environment, if you, you know, have risk on a scale of one to five, five being aggressive, very risky, all in those high growth investments, and one being no risk at all, sitting a 100% cash, not making any money, essentially, you're probably sitting between a three and a four there. So you're not at the highest level. You're kind of in that mid range a little bit. You've\n\nChannel 1: Yes.\n\nChannel 0: got quite a good hold of those growth assets trying to get you super working harder, but you do also have a mix of some lower risk investments for that defensive low risk component. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Yeah. Did you want me to keep you in that kind of environment? And, realistically, this kind of a portfolio does suit somebody at least six years before they're accessing their super. So based on your age this year and if you would've worked at age 65, you still have more than ten years ahead of you.\n\nBut are you comfortable sort of studying this environment, or did you want me to sort of look at something a bit more low lower risk for\n\nChannel 1: Oh, no. Whatever's gonna make me money.\n\nChannel 0: you? Yeah. That's okay.\n\nChannel 1: I I trust you.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Beautiful.\n\nChannel 1: couldn't do\n\nChannel 0: Well,\n\nChannel 1: this myself.\n\nChannel 0: I won't see you wrong. I won't see you wrong. And that's why it's good to have the conversations. Part of what I love about my job isn't just telling you what to do with your super and your investments, but helping to educate you as well because we don't learn any of this at school. You know?\n\nAnd it's not something that we all get taught on a regular basis. So, you know, learning about investments and kind of building the confidence is is also a part of my job that I really enjoy. Okay?\n\nChannel 1: Yes. Yeah. No\n\nChannel 0: That's\n\nChannel 1: problem.\n\nChannel 0: all good. So, I mean, time horizon wise, the growth portfolio still suits where you are. What I'll do, if you like, is I'll go back, review the portfolio. I'll look at how you invested, remove those couple of investments that are underperforming for you, and I'll look\n\nChannel 1: Yes.\n\nChannel 0: at putting something else that's placed, making sure we're, you know, factoring in the risk side of things, making sure that we have some low risk investments, but also investments that have got performance behind them. Does that sound okay?\n\nChannel 1: Yep. That sounds fine. Thank you.\n\nChannel 0: Fantastic. Excellent.\n\nChannel 1: Okay.\n\nChannel 0: Now the other thing to have a really good chat about is your insurances. So at the moment, you do have your life and your TBD, which is paid out of your super. When\n\nChannel 1: Yes.\n\nChannel 0: you came board onboard originally, you wanted to make sure that you could pay out your mortgage in the event of passing away and\n\nChannel 1: Yes.\n\nChannel 0: also a total permanent disability there. So when I look at the total, because if you were to pass away, probably nothing happens. But if you were to pass away, your current life insurance, some insured, you have a 157,500. We had it noted that your mortgage was at about 65,000. Have you\n\nChannel 1: Yes.\n\nChannel 0: reduced that a little bit since then? Or\n\nChannel 1: Yes. Yes. But we've got\n\nChannel 0: yeah?\n\nChannel 1: an investment property as well. So\n\nChannel 0: Oh, fantastic.\n\nChannel 1: so we've got an investment property in Melbourne.\n\nChannel 0: Okay. Perfect. So with the investment property sorry. I'm just popping that in here for you. What's the do you have a loan on the investment property at the moment?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. How much do you owe on that one?\n\nChannel 1: You'd have to check with my husband. I have no idea. I know that the property was $4.50 to build, but I've I'm so sorry. I don't know.\n\nChannel 0: That's okay.\n\nChannel 1: But\n\nChannel 0: Do you think it would be around about that $4.50 mark?\n\nChannel 1: it it could be could be a bit\n\nChannel 0: Yep.\n\nChannel 1: more.\n\nChannel 0: Yep. Could be more. That's okay. Not a problem at all. I'll make a little note here for you.\n\nAll good.\n\nChannel 1: Yeah.\n\nChannel 0: And how long ago did you have that property built?\n\nChannel 1: We went last year when it was finally finished, so it's only\n\nChannel 0: Yeah.\n\nChannel 1: been, like, I think at November, it finished.\n\nChannel 0: Okay. Lovely. And do you think the the value of that property will be around what the build cost was, or do you think it might have increased in value a little bit\n\nChannel 1: It seems free in value\n\nChannel 0: since\n\nChannel 1: because it was\n\nChannel 0: then? Yeah.\n\nChannel 1: there it's evidently in a high growth area, so I'm not sure.\n\nChannel 0: No.\n\nChannel 1: But\n\nChannel 0: That's\n\nChannel 1: they\n\nChannel 0: okay.\n\nChannel 1: but this house here, we only got for cheap. So, you know, it's now worth a hell of a lot more.\n\nChannel 0: Yeah. That's okay. What's the suburb the property is in? I could have a look at the rough valuation of the investment if you like.\n\nChannel 1: Hang on. I'll go find the the husband's.\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: can't\n\nChannel 0: You're\n\nChannel 1: remember\n\nChannel 0: absolutely\n\nChannel 1: the name of\n\nChannel 0: fine.\n\nChannel 1: the suburb. I've been there, but I have no idea.\n\nChannel 0: You're\n\nChannel 1: Hi.\n\nChannel 0: right.\n\nChannel 1: Hi. Oh, hang on. It won't be a second. I'm just locating\n\nChannel 0: Yeah. You're\n\nChannel 1: you.\n\nChannel 0: right.\n\nChannel 1: Bye. Where's this property that we've got in Melbourne? What suburb is it in? Woodstock. Woodstock.\n\nChannel 0: Woodstock. Beautiful. And did you know what approximate loan value would be on that one at the moment?\n\nChannel 1: 790.\n\nChannel 0: Legend. Thank you so much. Beautiful. 790,000. Lovely.\n\nAnd just while I've got you here, just updating values for me. Your main primary residence, we did have it noted about 940,000. What sort of value would you guys put on that one now?\n\nChannel 1: Wouldn't have the foggiest. I wonder if because I'm with a few as well, they can have the information shared between my account and your account. Oh, okay. I went through all that the other day with Michelle. Yeah.\n\nSo\n\nChannel 0: Okay.\n\nChannel 1: my husband's with Otheer as well. So it\n\nChannel 0: Yep.\n\nChannel 1: should\n\nChannel 0: I\n\nChannel 1: all\n\nChannel 0: can have\n\nChannel 1: be\n\nChannel 0: a look at that.\n\nChannel 1: yeah.\n\nChannel 0: That's Michelle. Not a problem. I'll have a look at what Michelle put on there. Thank you for confirming and approving that for me. Not a problem at all.\n\nWith the I've got down here that you've also had one car noted with an asset value of 12,000. Do you guys have two cars there as\n\nChannel 1: Yes.\n\nChannel 0: well?\n\nChannel 1: Yes. I've got an Audi. An Audi q\n\nChannel 0: Oh, lovely.\n\nChannel 1: five.\n\nChannel 0: Fantastic. How do you find it?\n\nChannel 1: Oh, I love it. I love\n\nChannel 0: Fantastic.\n\nChannel 1: it. It's it's lovely to drive, but it's got a when I first got it, it because it's a diesel,\n\nChannel 0: Yeah.\n\nChannel 1: when you put your foot down, it really flies. So you've gotta drive it very cautiously. Because I was used to my car because I had a\n\nChannel 0: Wow. Yeah.\n\nChannel 1: I had an ASX, and I suddenly went to this car, and I was at a set of traffic lights. And, I mean, I didn't because I was used to driving the ASX. It's the same build of car, like, sort of style. And I\n\nChannel 0: Yep. Yeah.\n\nChannel 1: just\n\nChannel 0: Yeah.\n\nChannel 1: touched it, and I flew through the lights after work, and I just went, oh, crap. It was the first time I driven it. So now I'm I'm a\n\nChannel 0: Oh,\n\nChannel 1: bit more\n\nChannel 0: wow.\n\nChannel 1: cautious.\n\nChannel 0: Yep. Yep. Understandable. Oh goodness. Well, I'm glad you're enjoying it.\n\nIt's a beautiful car. That's for sure. I just had a quick Google of what they look like. Absolute gorgeous car. I'm glad you're enjoying that one.\n\nBeautiful.\n\nChannel 1: Asha, leave the cat alone, please. Sorry. My grandson is smothering the poor cat.\n\nChannel 0: Oh, that's okay. You are fine. So, Joe, just to kinda get back to the insurance, this is the main reason I wanted to update you with the loan values was because when you came on board, your goal was to be able to pay out your mortgage in the event of passing.\n\nChannel 1: Yes. Yes.\n\nChannel 0: With the investment property now, the life cover of $1.57 500 doesn't quite cover the investment property loan, but it does kinda\n\nChannel 1: No.\n\nChannel 0: cover the main primary residence loan still. Are you happy\n\nChannel 1: Yep.\n\nChannel 0: with that life cover? Did you wanna look at increasing that? What's your thought?\n\nChannel 1: What would you advise?\n\nChannel 0: Well, it really depends on what it is that you're after. So there's one of two ways this could essentially go. If you were to pass away, the the $1.57 500 could pay off the loan on the main primary residence there. But then it just kinda comes down to what you guys would wanna do with the investment property. Do you think that Richard would sell the investment property,\n\nChannel 1: Yeah.\n\nChannel 0: or would he wanna pay it off, have the loan paid right down and clear it and keep it, or what do you think he would wanna do with\n\nChannel 1: I\n\nChannel 0: that?\n\nChannel 1: think\n\nChannel 0: Or\n\nChannel 1: he'd sell\n\nChannel 0: would you\n\nChannel 1: it\n\nChannel 0: want\n\nChannel 1: because the goal was\n\nChannel 0: Yep.\n\nChannel 1: the guy that we got it through, he suggested between two and ten years keeping the property, so but he'd probably sell\n\nChannel 0: Yep.\n\nChannel 1: it.\n\nChannel 0: Okay. No worries, though. So you'd be happy with just your life cover paying off your main primary residence,\n\nChannel 1: Yeah.\n\nChannel 0: leaving him free and clear with that debt and then possibly selling off the investment property?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Yep. Perfect. And with the TBD cover, you have the same level of of cover, the one fifty seven five hundred. Are you happy with that level of cover for TBD as well?\n\nDid you wanna\n\nChannel 1: What's\n\nChannel 0: look at altering that at all?\n\nChannel 1: what's TPD?\n\nChannel 0: So it's total permanent disability. It pays at a lump sum benefit in the event that you're unable to ever go back to work again. So you're permanently disabled.\n\nChannel 1: Oh,\n\nChannel 0: Yeah.\n\nChannel 1: god. I don't know. I'll I'll speak to Richard and see what what he\n\nChannel 0: Yep.\n\nChannel 1: suggest. Yep. I'll I'll work\n\nChannel 0: Yeah.\n\nChannel 1: it out\n\nChannel 0: That's\n\nChannel 1: with him.\n\nChannel 0: fine.\n\nChannel 1: Yeah.\n\nChannel 0: Not a problem at all. If you like if you decide that you do wanna review the insurance amount and you wanna maybe look at getting new cover or increasing the cover, feel free to just let me know. Give me a call. After the call, did you want me to send you an email just for the breakdown of the insurances that you've got? It's also\n\nChannel 1: That'd\n\nChannel 0: on the email\n\nChannel 1: be great.\n\nChannel 0: with the certificate of currency, but I can send you a separate email just for the breakdown so you can have a really good chat about those. And\n\nChannel 1: Yep.\n\nChannel 0: it'll\n\nChannel 1: That'd\n\nChannel 0: let\n\nChannel 1: be\n\nChannel 0: you\n\nChannel 1: great.\n\nChannel 0: know how these are paid, what they can cover, how they work to give you a bit of context around each of them as\n\nChannel 1: Yeah.\n\nChannel 0: well.\n\nChannel 1: Yeah. That'd be good. Thank you.\n\nChannel 0: Fantastic. Not a problem at all. Now the other cover you do have is income protection. It can cover up to 70% of your income if you're off work due to illness or injury. What's your income at the moment?\n\nHas that increased since we last called out?\n\nChannel 1: I get paid $36.40 an hour, and I work\n\nChannel 0: Yep.\n\nChannel 1: Monday to Friday, 06:30 to 02:30. So it's it's it's I think it's, like, seventy four hours, and I don't know\n\nChannel 0: 70\n\nChannel 1: how how\n\nChannel 0: four\n\nChannel 1: they\n\nChannel 0: hours?\n\nChannel 1: work. You know, something something like that, but\n\nChannel 0: Yes.\n\nChannel 1: they it's underneath the eighty hours, so they don't have to give us because you get paid for one break and not for the other.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: yeah. But, yeah, I've I've got a tax thing for last year if you wanna know, but I think it might be\n\nChannel 0: Yeah.\n\nChannel 1: based on hang on. Hang\n\nChannel 0: That's\n\nChannel 1: on.\n\nChannel 0: okay.\n\nChannel 1: Hang on.\n\nChannel 0: I've worked it at roughly about 70,000 per annum.\n\nChannel 1: Yeah. I think it's about there. I've got it on my\n\nChannel 0: Yes.\n\nChannel 1: human support. Where's my earnings?\n\nChannel 0: Yep.\n\nChannel 1: Payslip. Where are we? So year to date, I've been paid $72,530.\n\nChannel 0: Okay. So you probably hit that sort of $73,000 mark this year given the couple of weeks that we have left\n\nChannel 1: Yeah.\n\nChannel 0: roughly.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Well, I\n\nChannel 0: So\n\nChannel 1: get it'll\n\nChannel 0: if\n\nChannel 1: be\n\nChannel 0: we\n\nChannel 1: be a bit more than that. But yeah. But no. But that's that's about it.\n\nChannel 0: Yeah. That's\n\nChannel 1: So\n\nChannel 0: okay. If I work it on, say, 75,000 to give you a bit of a buffer, just kind of increasing a little bit.\n\nChannel 1: yeah.\n\nChannel 0: When we look at income protection there, the monthly benefit you have at the moment is about 4,372 and 65¢. The monthly benefit based on an income of 75,000 need means that we need to cover you for $4,003.07 5. So you're probably only about 2 or $3 off actually having the right level of cover for income protection.\n\nChannel 1: Yes.\n\nChannel 0: And every time these policies go through renewal, they do have to increase a little bit each year as well. So your income protection level is pretty accurate for your income at the moment, which is good.\n\nChannel 1: Yep.\n\nChannel 0: But I will just send through that email breaking down the covers you have, what each of them cover, how they work, and you can let me know if you'd wanna review any of them or alter them. Is that okay?\n\nChannel 1: Yep. That's fine. Thank you.\n\nChannel 0: Yep. That's okay. Now just to kind of explain the difference, the some of the things around the income protection, you have what's called a sixty day waiting period. That means that if you are off work, you just have to be off work for sixty days prior to being able to claim on your income protection policy.\n\nChannel 1: Yep.\n\nChannel 0: We would just say if you are off work and you think you're gonna be off work for that time frame and you're gonna need to claim on income protection, just give me a call. Have a chat to me, and I can have a bit of a look, and we can work out a plan of attack to have that claim sorted for you.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: And you have a two year benefit period. So it just means that if you're on your income protection, they will pay that benefit for two years. At the end of the two years, if you still can't go back to work, the benefit stops. So they stop paying the income protection claim, and it's just about making sure you can either go back to work or you have other funds to cover your living expenses. Does that make sense?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yep. Yep. Beautiful. Most claims are covered within that two year benefit period. As you can imagine, when it comes to insurances, especially income protection, as soon as you go on claim and they know you're off work, they're doing everything possible to get you back to work.\n\nSo\n\nChannel 1: Yes.\n\nChannel 0: most claims are done in that two year period. Okay?\n\nChannel 1: Yep.\n\nChannel 0: All good. Your insurances for this year are out of your super fund. You paid $3,716.75. These insurances do get more expensive as you get older because the risk of you making a claim increases as well. So,\n\nChannel 1: Yes.\n\nChannel 0: again, if you I'll send you the email after break it all down to make it nice and clear. Sometimes it's easy just to see it in writing as well. And then you can let me know if you have any additional questions or wanna review the insurances in detail. Okay?\n\nChannel 1: Yep. Not a problem yet.\n\nChannel 0: Beautiful. And, Joe, just so you know, you don't have to wait till review time. If you, you know, in a couple of months decide, yeah, you do wanna look at them, just give me a buzz. Let me know. I'll make some time to have a chat to you about it.\n\nYou are not limited to one call a year. I'll call you\n\nChannel 1: K.\n\nChannel 0: as many times a year as you need me to. Okay?\n\nChannel 1: Thank you very much.\n\nChannel 0: That's okay. So that's basically a breakdown of your super and the insurances. A couple of little things for me to go back and research there for you, which will be great. I'll update the advice document to reflect that for you.\n\nChannel 1: Yep.\n\nChannel 0: The only other thing I do need to point out when it comes to insurances are you've got life keeping and income protection. You're not paying for any additional covers outside of sleepers, so there are other insurances that you can obtain, things like trauma, and trauma pays out a benefit if you stay diagnosed with Parkinson's or cancer, or if you have a heart attack or a stroke, things like that.\n\nChannel 1: Yep.\n\nChannel 0: Insurances like trauma, you can't pay for inside. Super, they are only paid for out of your back pocket.\n\nChannel 1: Yep.\n\nChannel 0: Did you wanna look at maybe having me put down some information around what trauma is and how that works for you to maybe have a think about? Or\n\nChannel 1: Yeah. I'll have a look. Yep.\n\nChannel 0: yes. Beautiful. I'll add that into the email there for you, and you can let me know what you wanna do, whether you wanna review or look at getting any new cover. Okay?\n\nChannel 1: Yep. Yep. That's correct.\n\nChannel 0: Beautiful. Now with your, expenditures, so we've got your income here, which is great. Income's definitely increased on where we had it when you first came on board, which is fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Having a bit of a look, are you open to making additional contributions to kind of boost your super, or are you finding in rather not at the moment?\n\nChannel 1: How much do you have to extra do you have to put in?\n\nChannel 0: You really don't have to put in anything. It more just comes down to what you're comfortable with. So, you know, in order to sort of build super a little bit faster, one one of the ways is making sure your portfolio is performing and that we're getting good returns, but there are other ways to provide a greater boost to super and build it faster, and that's by making additional contributions. If we looked at, say, salary sacrifice, which is a pretax contribution, you could be putting more into your super, and it also helps to reduce your taxable income a bit as well because that money comes out before your income tax is calculated. Not everybody wants to, but it's more just about working out whether you're comfortable looking at doing that or whether you prefer not to right now.\n\nChannel 1: Another thing I'll talk to my husband about.\n\nChannel 0: Additional contributions. Not\n\nChannel 1: Yeah.\n\nChannel 0: a problem at all. I'll add that into the email there for you, and I'll just get one of my admin team over the next week or so just to follow-up and see if you have any questions in relation to email or if there's anything that you wanted to, you know, to talk further about. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Are you guys many finding that you're putting much away out of your income at the end of the week, or are you finding most of it's going towards your bills and expenditure?\n\nChannel 1: Yep. Oh, no. My husband and I, we bank money.\n\nChannel 0: You do? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: On\n\nChannel 1: Yeah.\n\nChannel 0: average, how much would you say you're putting away on a weekly or fortnightly basis?\n\nChannel 1: I get paid fortnightly. And when we do it fortnightly, it's basically most of my wage. And\n\nChannel 0: Yep.\n\nChannel 1: and we use Richard's so we use my wage for the put in the bills and put the rest in savings and stuff like that. So we use his money to\n\nChannel 0: To live on.\n\nChannel 1: to live on pretty much.\n\nChannel 0: Yep. That's okay. So would you say if I work out your income, so most of yours is kind of going into savings at the moment. So that\n\nChannel 1: Yeah.\n\nChannel 0: by, what, seventy four hours.\n\nChannel 1: Except we're renovating.\n\nChannel 0: So you're\n\nChannel 1: So\n\nChannel 0: it's probably yeah. That's okay. Would you say that you're, on average, able to put away about a thousand dollars on a fortnightly basis or a little\n\nChannel 1: Yeah.\n\nChannel 0: bit more? How would you\n\nChannel 1: Yeah.\n\nChannel 0: sort of\n\nChannel 1: A\n\nChannel 0: yep.\n\nChannel 1: little bit\n\nChannel 0: That's okay.\n\nChannel 1: more. Yeah.\n\nChannel 0: Yep. That's okay. Beautiful. Just on average. I'll just pop that down there for you.\n\nAnd how's the renovating going?\n\nChannel 1: Frustrating.\n\nChannel 0: It's always a good idea, isn't it, until we start?\n\nChannel 1: That's right. Like like, we decided to pull down a half wall and to get so we got the flooring. The half wall is still not painted. We've got my in laws coming\n\nChannel 0: Yep.\n\nChannel 1: on Saturday,\n\nChannel 0: Oh, wow.\n\nChannel 1: and it's just you know? And then my grandson broke the bed they gave him and oh, well. Yep.\n\nChannel 0: It's a lot. That's a lot. No. I hope it\n\nChannel 1: Yes.\n\nChannel 0: all goes well. It'd\n\nChannel 1: Well,\n\nChannel 0: be good\n\nChannel 1: we\n\nChannel 0: once\n\nChannel 1: we\n\nChannel 0: it's\n\nChannel 1: got\n\nChannel 0: all\n\nChannel 1: a\n\nChannel 0: done.\n\nChannel 1: new kitchen. So we've got a new\n\nChannel 0: Yeah.\n\nChannel 1: kitchen, and\n\nChannel 0: Yeah.\n\nChannel 1: still doesn't have the flooring in it, and the carpet\n\nChannel 0: Yeah.\n\nChannel 1: needs to be lanked up. You know, there's just a painting and just every time we think of something, it's just sort of it's like a mountain.\n\nChannel 0: Yeah. Absolutely. No. Understandable. Wow.\n\nIt's a big job, that renovating, isn't it?\n\nChannel 1: It's a pain in the backside. But what what they make out is so easy is not\n\nChannel 0: Yes. Absolutely. No.\n\nChannel 1: you\n\nChannel 0: Understandable.\n\nChannel 1: know, you see them on renovating shows going, oh, we did this, and my husband goes, that'll be good in our place, and then we start looking at what you need to do, and it's just like I've stuck that.\n\nChannel 0: Yeah. Yep. I'm the same with the landscaping at the moment. Trying to do the landscaping, and it's just never ending.\n\nChannel 1: See, we live up a steep driveway. So we've got tiers on one side that are coming apart because, you know, that it's\n\nChannel 0: Yep.\n\nChannel 1: definitely, like, starting to drop a little bit, and it's just like and then it rains, and you're just like, all the oh, we got Singapore Daisy. Oh, look. It's just a mess.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: Oh. So\n\nChannel 0: Oh, goodness me.\n\nChannel 1: like I always say to people, if they come over, I don't worry about the garden. I said, we'll deal with that when we finish the house.\n\nChannel 0: Fair enough. Fair enough. All good. I'm just having a real quick look at your beneficiaries on file as well. So I can't see the beneficiary for Zurich, but I will just double check.\n\nYour super beneficiary is noted there as your husband, Richard, in the event that something was to happen. Are you happy and comfortable with how that is set up?\n\nChannel 1: Yep. That's fine. Thank\n\nChannel 0: Yep.\n\nChannel 1: you.\n\nChannel 0: Fantastic. And you want me to make sure that your life insurance has the same beneficiary.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. What I'll do is I'll get the team to go back and double check with Zurich to make sure it is applied correctly. If it's not, we'll get a form done up and sent out to you. Okay?\n\nFantastic. And do you guys have a valid will? Have you drawn up a will in the past at all?\n\nChannel 1: No.\n\nChannel 0: Nope.\n\nChannel 1: No.\n\nChannel 0: That's okay. Is it something\n\nChannel 1: No.\n\nChannel 0: you just talked about doing?\n\nChannel 1: It's not something we've discussed. I suppose it sounds a bit more, but it doesn't. It's really talking about when I'm\n\nChannel 0: No. Absolutely. It's something, unfortunately, I have\n\nChannel 1: done.\n\nChannel 0: to do on a very regular basis. But, essentially, with your your super and your life insurances, we have the beneficiary nominations applied. That way, you're protected if anything happens. Your super and your life cover is paid out to where you want it to go.\n\nChannel 1: Yes.\n\nChannel 0: But this sort of looking at all the assets that you do have outside of super, so your house, your contents, all your jewelry, your savings accounts, your investment property, your cars, all of those things. If something happened to you and or to both of you without having a will, it essentially has to go through what's called a probate process. And\n\nChannel 1: Oh.\n\nChannel 0: even though, yeah, even though in most states, everything goes directly to your husband, it doesn't always work that way. I have seen where where one spouse has passed away, and because it you passed away intestate, it goes through a process called probate. And that is essentially a legal process where anyone can come forward and stake a claim on what they think they're entitled to, and the courts actually make a decision. So a judge has to decide who's entitled to things. Normally, they just follow legislation normally where your spouse should inherit most things, like, you know, depending on how your house is, you know, purchased together, that would automatically go to him.\n\nHowever, if the judge sees that someone has staked the claim and they're entitled to that claim, I have seen it where, you know, other people have received money or parts of property or, you know, parts of\n\nChannel 1: I'm\n\nChannel 0: your estate where the person who passed away just didn't want that money to go in that direction. They didn't want that person to\n\nChannel 1: on\n\nChannel 0: have\n\nChannel 1: my\n\nChannel 0: any\n\nChannel 1: company.\n\nChannel 0: part of it. So\n\nChannel 1: Yes.\n\nChannel 0: as much as you guys are together and I hope nothing happens, it is really important to maybe have that conversation, talk about having a will drawn up together and, you know, the importance\n\nChannel 1: Yep.\n\nChannel 0: of protecting all of your investments, all of your assets, everything you own and have worked so hard to build that is not super annual life insurance as well. Does that make sense?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yeah. Yeah. It's just one of those things that we do like to bring out and make sure that we are sort of just talking with you guys about because not everyone has one. A lot of people don't think about doing up a will, and a lot of people I speak to would just assume that everything goes to their spouse automatically. And whilst most legislation state that the spouse is the next one to receive most things, it it doesn't always work that way because it does have to go through the court system, and a judge decides who's entitled to property, how it should be paid out, and it's not always in in accordance with the person's wishes that's passed away, unfortunately.\n\nChannel 1: Oh, okay.\n\nChannel 0: So,\n\nChannel 1: Yep.\n\nChannel 0: yeah, so it is it's definitely something to have a chat about. If you like as part of that email, I can add a little bit of information and just give you, like, a brochure on one of the local solicitors. It's not a referral or anything. It's just a bit of a costing to start the conversation between you, but, like, this is how much it costs to do a will and a power of attorney, you know, what's important to us, what do we want to happen, things like that. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Did you want\n\nChannel 1: Yes.\n\nChannel 0: me to do\n\nChannel 1: It\n\nChannel 0: that\n\nChannel 1: does.\n\nChannel 0: for you as\n\nChannel 1: Yeah.\n\nChannel 0: well?\n\nChannel 1: That'd be\n\nChannel 0: Yeah.\n\nChannel 1: great. Thanks.\n\nChannel 0: Beautiful. It's not something you wanna think about, but it's one of those things, isn't it?\n\nChannel 1: Yes. It is.\n\nChannel 0: Yeah. It's a very difficult conversation to have, but it's definitely one of the most important conversations to have with our families. So\n\nChannel 1: Yes.\n\nChannel 0: yeah. No. Perfect. Oh, I will pop that in the email for you as well just so you've got a bit of context around those things. And then, Joe, you'll also have my email.\n\nSo if you wanna reply back with any additional questions, you're welcome to. I will answer them. If you need to talk about anything in further detail, let me know. I'll book you in, and we can go through a time to discuss whatever it is that you possibly need. Okay?\n\nChannel 1: Okay. Thank you very much.\n\nChannel 0: That's okay. Not a problem at all. Now attach that email as you kinda noted before, we did also have the ongoing service agreement. So having us as your financial advisers looking after your super, we do charge the ongoing service fee. Because yourself and your husband are both clients with us, your ongoing fee you pay is 1.1%, so it is reduced from our normal fee.\n\nChannel 1: I will.\n\nChannel 0: That that document sorry. That's gonna ask you to sign. It's just confirming you're happy to remain as a client and allowing us to continue charging that fee for the next twelve months. And I will, for the time being, go back and update the advice for you and look at just replacing some of those investments for you as well, keeping you with that growth portfolio. Are you comfortable at the moment whilst you're looking at the insurances?\n\nIf anything comes back and you decide you wanna reevaluate insurances, let me know. We can have a really in-depth conversation, and I can always include that in that advice piece for you. But for the time being, it'll just be around the investment side of things. Is that okay?\n\nChannel 1: Yes. That's fine. Thank you.\n\nChannel 0: Beautiful. I know I clobbered a lot today, but is there anything that you think I might have missed or anything that you wanted me to sort of bring up or chat to you about other than anything we have gone through at the moment? Sorry.\n\nChannel 1: No. No. Everything's great. Thank you.\n\nChannel 0: That's okay. Perfect. Well, what I'll do is I will let you go. I'll follow-up with that email that just sort of goes through those bits and pieces, and you're welcome to email me back anything additional that you might have.\n\nChannel 1: Yes.\n\nChannel 0: Okay?\n\nChannel 1: Yep. Excellent. Thank you very much.\n\nChannel 0: Oh, my pleasure, Joe. Thank you so much for your time. You have a good afternoon. A rest for one too.\n\nChannel 1: Thank you very much.\n\nChannel 0: Thanks for your time. We'll talk to you soon. See you later.\n\nChannel 1: Bye bye.\n\nChannel 0: Thanks.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.025509662926197052}],"sentiment":"neutral","sentiment_score":0.025509662926197052,"channel":1,"num_words":1,"start":0.96,"end":1.46},{"sentences":[{"text":"Hi, Joanne.","start":2.32,"end":3.12,"sentiment":"neutral","sentiment_score":0.11842458695173264},{"text":"This is Dana from Oakview Financial.","start":3.12,"end":4.74,"sentiment":"neutral","sentiment_score":0.15902586032946905},{"text":"How are you this afternoon?","start":4.88,"end":6.02,"sentiment":"neutral","sentiment_score":0.19921619296073914}],"sentiment":"neutral","sentiment_score":0.16823733082184425,"channel":0,"num_words":13,"start":2.32,"end":6.02},{"sentences":[{"text":"Good.","start":6.48,"end":6.8799996,"sentiment":"positive","sentiment_score":0.5758283138275146},{"text":"Thank 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do","start":924.21497,"end":924.77496,"sentiment":"neutral","sentiment_score":0.10253243520855904}],"sentiment":"neutral","sentiment_score":0.10253243520855904,"channel":1,"num_words":2,"start":924.21497,"end":924.77496},{"sentences":[{"text":"Well,","start":924.71497,"end":925.035,"sentiment":"neutral","sentiment_score":0.14963644742965698}],"sentiment":"neutral","sentiment_score":0.14963644742965698,"channel":0,"num_words":1,"start":924.71497,"end":925.035},{"sentences":[{"text":"this myself.","start":924.77496,"end":925.51495,"sentiment":"neutral","sentiment_score":0.11649399623274805}],"sentiment":"neutral","sentiment_score":0.11649399623274805,"channel":1,"num_words":2,"start":924.77496,"end":925.51495},{"sentences":[{"text":"I won't see you wrong.","start":925.035,"end":926.255,"sentiment":"neutral","sentiment_score":0.12329929023981094},{"text":"I won't see you wrong.","start":927.195,"end":928.65497,"sentiment":"neutral","sentiment_score":0.13989706039428712},{"text":"And that's why it's good to have the conversations.","start":928.71497,"end":930.735,"sentiment":"positive","sentiment_score":0.4055020676718818},{"text":"Part of what I love about my job isn't just telling you what to do with your super and your investments, but helping to educate you as well because we don't learn any of this at school.","start":930.795,"end":940.36005,"sentiment":"positive","sentiment_score":0.4553105279400542},{"text":"You know?","start":940.36005,"end":940.84,"sentiment":"neutral","sentiment_score":0.19389578700065613}],"sentiment":"positive","sentiment_score":0.38275485293104733,"channel":0,"num_words":58,"start":925.035,"end":940.84},{"sentences":[{"text":"And it's not something that we all get taught on a regular basis.","start":940.84,"end":944.52,"sentiment":"neutral","sentiment_score":0.19330949278978202},{"text":"So, you know, learning about investments and kind of building the confidence is is also a part of my job that I really 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good.","start":953.685,"end":954.165,"sentiment":"positive","sentiment_score":0.36108800768852234},{"text":"So, I mean, time horizon wise, the growth portfolio still suits where you are.","start":954.165,"end":959.305,"sentiment":"neutral","sentiment_score":0.18869183212518692},{"text":"What I'll do, if you like, is I'll go back, review the portfolio.","start":959.365,"end":962.345,"sentiment":"neutral","sentiment_score":0.08187415164250594},{"text":"I'll look at how you invested, remove those couple of investments that are underperforming for you, and I'll look","start":962.485,"end":968.33997,"sentiment":"neutral","sentiment_score":0.014443182337440942}],"sentiment":"neutral","sentiment_score":0.09797179376861702,"channel":0,"num_words":48,"start":953.685,"end":968.33997},{"sentences":[{"text":"Yes.","start":968.32,"end":968.655,"sentiment":"neutral","sentiment_score":0.05089448019862175}],"sentiment":"neutral","sentiment_score":0.05089448019862175,"channel":1,"num_words":1,"start":968.32,"end":968.655},{"sentences":[{"text":"at putting something else that's placed, making sure we're, you know, factoring in the risk side of things, making sure that we have some low risk investments, but also investments that have got performance behind them.","start":968.33997,"end":980.01996,"sentiment":"neutral","sentiment_score":0.097013923443026},{"text":"Does that sound 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then?","start":1025.23,"end":1027.0701,"sentiment":"neutral","sentiment_score":-0.013764859709356512},{"text":"Or","start":1027.0701,"end":1027.5701,"sentiment":"neutral","sentiment_score":-0.00021488778293132785}],"sentiment":"neutral","sentiment_score":-0.012071113218553364,"channel":0,"num_words":8,"start":1025.23,"end":1027.5701},{"sentences":[{"text":"Yes.","start":1027.965,"end":1028.465,"sentiment":"neutral","sentiment_score":0.007382781244814396},{"text":"Yes.","start":1028.685,"end":1029.085,"sentiment":"neutral","sentiment_score":0.01717836782336235},{"text":"But we've 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$72,530.","start":1557.045,"end":1562.1051,"sentiment":"neutral","sentiment_score":0.004369550850242376}],"sentiment":"neutral","sentiment_score":0.002633576669419805,"channel":1,"num_words":12,"start":1546.22,"end":1562.1051},{"sentences":[{"text":"Okay.","start":1563.27,"end":1563.67,"sentiment":"neutral","sentiment_score":0.0252456646412611},{"text":"So you probably hit that sort of $73,000 mark this year given the couple of weeks that we have left","start":1563.67,"end":1570.595,"sentiment":"neutral","sentiment_score":0.02086478527635336}],"sentiment":"neutral","sentiment_score":0.021073398579444205,"channel":0,"num_words":21,"start":1563.27,"end":1570.595},{"sentences":[{"text":"Yeah.","start":1570.405,"end":1570.905,"sentiment":"neutral","sentiment_score":0.007574070245027542}],"sentiment":"neutral","sentiment_score":0.007574070245027542,"channel":1,"num_words":1,"start":1570.405,"end":1570.905},{"sentences":[{"text":"roughly.","start":1570.595,"end":1571.095,"sentiment":"neutral","sentiment_score":0.003780030645430088}],"sentiment":"neutral","sentiment_score":0.003780030645430088,"channel":0,"num_words":1,"start":1570.595,"end":1571.095},{"sentences":[{"text":"Yeah.","start":1570.9651,"end":1571.285,"sentiment":"neutral","sentiment_score":0.006398383527994156}],"sentiment":"neutral","sentiment_score":0.006398383527994156,"channel":1,"num_words":1,"start":1570.9651,"end":1571.285},{"sentences":[{"text":"Yeah.","start":1571.1549,"end":1571.5549,"sentiment":"neutral","sentiment_score":0.08016917109489441}],"sentiment":"neutral","sentiment_score":0.08016917109489441,"channel":0,"num_words":1,"start":1571.1549,"end":1571.5549},{"sentences":[{"text":"Well, I","start":1571.285,"end":1571.6051,"sentiment":"neutral","sentiment_score":0.04290379583835602}],"sentiment":"neutral","sentiment_score":0.04290379583835602,"channel":1,"num_words":2,"start":1571.285,"end":1571.6051},{"sentences":[{"text":"So","start":1571.5549,"end":1572.0349,"sentiment":"neutral","sentiment_score":0.0456945076584816}],"sentiment":"neutral","sentiment_score":0.0456945076584816,"channel":0,"num_words":1,"start":1571.5549,"end":1572.0349},{"sentences":[{"text":"get it'll","start":1571.6051,"end":1572.165,"sentiment":"neutral","sentiment_score":0.03646054770797491}],"sentiment":"neutral","sentiment_score":0.03646054770797491,"channel":1,"num_words":2,"start":1571.6051,"end":1572.165},{"sentences":[{"text":"if","start":1572.0349,"end":1572.2749,"sentiment":"neutral","sentiment_score":0.03273928165435791}],"sentiment":"neutral","sentiment_score":0.03273928165435791,"channel":0,"num_words":1,"start":1572.0349,"end":1572.2749},{"sentences":[{"text":"be","start":1572.165,"end":1572.63,"sentiment":"neutral","sentiment_score":0.001149095594882965}],"sentiment":"neutral","sentiment_score":0.001149095594882965,"channel":1,"num_words":1,"start":1572.165,"end":1572.63},{"sentences":[{"text":"we","start":1572.2749,"end":1572.4349,"sentiment":"neutral","sentiment_score":0.0156264528632164}],"sentiment":"neutral","sentiment_score":0.0156264528632164,"channel":0,"num_words":1,"start":1572.2749,"end":1572.4349},{"sentences":[{"text":"be a bit more than that.","start":1573.51,"end":1574.95,"sentiment":"neutral","sentiment_score":-0.009553179144859314},{"text":"But yeah.","start":1574.95,"end":1575.43,"sentiment":"neutral","sentiment_score":-0.021811144426465034},{"text":"But no.","start":1575.43,"end":1575.91,"sentiment":"neutral","sentiment_score":-0.08428922668099403},{"text":"But that's that's about it.","start":1575.91,"end":1578.01,"sentiment":"neutral","sentiment_score":-0.06820912174880504}],"sentiment":"neutral","sentiment_score":-0.040704361721873285,"channel":1,"num_words":15,"start":1573.51,"end":1578.01},{"sentences":[{"text":"Yeah.","start":1578.6799,"end":1578.84,"sentiment":"neutral","sentiment_score":0.11630943417549132},{"text":"That's","start":1578.84,"end":1579.08,"sentiment":"neutral","sentiment_score":0.16347913444042206}],"sentiment":"neutral","sentiment_score":0.1398942843079567,"channel":0,"num_words":2,"start":1578.6799,"end":1579.08},{"sentences":[{"text":"So","start":1578.95,"end":1579.45,"sentiment":"neutral","sentiment_score":0.24112652242183685}],"sentiment":"neutral","sentiment_score":0.24112652242183685,"channel":1,"num_words":1,"start":1578.95,"end":1579.45},{"sentences":[{"text":"okay.","start":1579.08,"end":1579.32,"sentiment":"neutral","sentiment_score":0.2729916274547577},{"text":"If I work it on, say, 75,000 to give you a bit of a buffer, just kind of increasing a little bit.","start":1579.32,"end":1584.7,"sentiment":"neutral","sentiment_score":0.15974689037962395}],"sentiment":"neutral","sentiment_score":0.16467057460028192,"channel":0,"num_words":23,"start":1579.08,"end":1584.7},{"sentences":[{"text":"yeah.","start":1584.55,"end":1585.05,"sentiment":"neutral","sentiment_score":0.07544001936912537}],"sentiment":"neutral","sentiment_score":0.07544001936912537,"channel":1,"num_words":1,"start":1584.55,"end":1585.05},{"sentences":[{"text":"When we look at income protection there, the monthly benefit you have at the moment is about 4,372 and 65¢.","start":1585.4,"end":1595.195,"sentiment":"neutral","sentiment_score":0.053286457532330564},{"text":"The monthly benefit based on an income of 75,000 need means that we need to cover you for $4,003.07 5.","start":1596.135,"end":1603.815,"sentiment":"neutral","sentiment_score":0.08580699265003204},{"text":"So you're probably only about 2 or $3 off actually having the right level of cover for income protection.","start":1603.815,"end":1610.38,"sentiment":"neutral","sentiment_score":0.13025851743785957}],"sentiment":"neutral","sentiment_score":0.08971542030059058,"channel":0,"num_words":59,"start":1585.4,"end":1610.38},{"sentences":[{"text":"Yes.","start":1610.95,"end":1611.45,"sentiment":"neutral","sentiment_score":0.2551414370536804}],"sentiment":"neutral","sentiment_score":0.2551414370536804,"channel":1,"num_words":1,"start":1610.95,"end":1611.45},{"sentences":[{"text":"And every time these policies go through renewal, they do have to increase a little bit each year as well.","start":1611.0801,"end":1616.8401,"sentiment":"neutral","sentiment_score":0.21406690105795861},{"text":"So your income protection level is pretty accurate for your income at the moment, which is good.","start":1616.8401,"end":1622.245,"sentiment":"positive","sentiment_score":0.4227309630197637}],"sentiment":"neutral","sentiment_score":0.30993957817554474,"channel":0,"num_words":37,"start":1611.0801,"end":1622.245},{"sentences":[{"text":"Yep.","start":1623.0651,"end":1623.5651,"sentiment":"neutral","sentiment_score":0.18295496702194217}],"sentiment":"neutral","sentiment_score":0.18295496702194217,"channel":1,"num_words":1,"start":1623.0651,"end":1623.5651},{"sentences":[{"text":"But I will just send through that email breaking down the covers you have, what each of them cover, how they work, and you can let me know if you'd wanna review any of them or alter them.","start":1623.185,"end":1633.585,"sentiment":"neutral","sentiment_score":0.09480732365658409},{"text":"Is that okay?","start":1633.585,"end":1634.485,"sentiment":"neutral","sentiment_score":0.11910953124364217}],"sentiment":"neutral","sentiment_score":0.09658553396783225,"channel":0,"num_words":41,"start":1623.185,"end":1634.485},{"sentences":[{"text":"Yep.","start":1634.62,"end":1634.94,"sentiment":"neutral","sentiment_score":0.23041239380836487},{"text":"That's fine.","start":1634.94,"end":1635.58,"sentiment":"positive","sentiment_score":0.4684770703315735},{"text":"Thank you.","start":1635.58,"end":1636.4,"sentiment":"positive","sentiment_score":0.4989418238401413}],"sentiment":"positive","sentiment_score":0.4330500364303589,"channel":1,"num_words":5,"start":1634.62,"end":1636.4},{"sentences":[{"text":"Yep.","start":1636.75,"end":1636.99,"sentiment":"neutral","sentiment_score":0.23806977272033691},{"text":"That's okay.","start":1636.99,"end":1637.9701,"sentiment":"neutral","sentiment_score":0.1579567790031433},{"text":"Now just to kind of explain the difference, the some of the things around the income protection, you have what's called a sixty day waiting period.","start":1638.43,"end":1646.29,"sentiment":"neutral","sentiment_score":-0.011978309341849616},{"text":"That means that if you are off work, you just have to be off work for sixty days prior to being able to claim on your income protection policy.","start":1646.67,"end":1654.195,"sentiment":"neutral","sentiment_score":-0.07768697535683369}],"sentiment":"neutral","sentiment_score":-0.0346616378880973,"channel":0,"num_words":58,"start":1636.75,"end":1654.195},{"sentences":[{"text":"Yep.","start":1654.6749,"end":1655.1749,"sentiment":"neutral","sentiment_score":-0.013560116291046144}],"sentiment":"neutral","sentiment_score":-0.013560116291046144,"channel":1,"num_words":1,"start":1654.6749,"end":1655.1749},{"sentences":[{"text":"We would just say if you are off work and you think you're gonna be off work for that time frame and you're gonna need to claim on income protection, just give me a call.","start":1654.735,"end":1663.14,"sentiment":"neutral","sentiment_score":-0.08944291036043849},{"text":"Have a chat to me, and I can have a bit of a look, and we can work out a plan of attack to have that claim sorted for you.","start":1663.14,"end":1669.14,"sentiment":"neutral","sentiment_score":0.0981228390087684}],"sentiment":"neutral","sentiment_score":-0.0028741029592660758,"channel":0,"num_words":65,"start":1654.735,"end":1669.14},{"sentences":[{"text":"Okay.","start":1669.02,"end":1669.5,"sentiment":"neutral","sentiment_score":0.030917787924408913}],"sentiment":"neutral","sentiment_score":0.030917787924408913,"channel":1,"num_words":1,"start":1669.02,"end":1669.5},{"sentences":[{"text":"Okay?","start":1669.14,"end":1669.64,"sentiment":"neutral","sentiment_score":0.08121056854724884}],"sentiment":"neutral","sentiment_score":0.08121056854724884,"channel":0,"num_words":1,"start":1669.14,"end":1669.64},{"sentences":[{"text":"Yep.","start":1669.5,"end":1670.0,"sentiment":"neutral","sentiment_score":0.06599469482898712}],"sentiment":"neutral","sentiment_score":0.06599469482898712,"channel":1,"num_words":1,"start":1669.5,"end":1670.0},{"sentences":[{"text":"And you have a two year benefit period.","start":1670.9,"end":1672.98,"sentiment":"neutral","sentiment_score":0.04786097118631005},{"text":"So it just means that if you're on your income protection, they will pay that benefit for two years.","start":1672.98,"end":1678.975,"sentiment":"neutral","sentiment_score":0.04581701579062562},{"text":"At the end of the two years, if you still can't go back to work, the benefit stops.","start":1679.4349,"end":1684.155,"sentiment":"neutral","sentiment_score":-0.07355575087583727},{"text":"So they stop paying the income protection claim, and it's just about making sure you can either go back to work or you have other funds to cover your living expenses.","start":1684.155,"end":1692.21,"sentiment":"neutral","sentiment_score":-0.06783265470256729},{"text":"Does that make sense?","start":1692.21,"end":1693.27,"sentiment":"neutral","sentiment_score":0.04278223495930433}],"sentiment":"neutral","sentiment_score":-0.0250284475274384,"channel":0,"num_words":80,"start":1670.9,"end":1693.27},{"sentences":[{"text":"Yes.","start":1693.31,"end":1693.55,"sentiment":"neutral","sentiment_score":0.233585387468338},{"text":"It does.","start":1693.55,"end":1694.29,"sentiment":"neutral","sentiment_score":0.29808519780635834}],"sentiment":"neutral","sentiment_score":0.27658526102701825,"channel":1,"num_words":3,"start":1693.31,"end":1694.29},{"sentences":[{"text":"Yep.","start":1694.77,"end":1695.01,"sentiment":"neutral","sentiment_score":0.26492512226104736},{"text":"Yep.","start":1695.01,"end":1695.33,"sentiment":"positive","sentiment_score":0.4174521863460541},{"text":"Beautiful.","start":1695.33,"end":1695.83,"sentiment":"positive","sentiment_score":0.7837873697280884},{"text":"Most claims are covered within that two year benefit 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work.","start":1699.01,"end":1709.3251,"sentiment":"neutral","sentiment_score":0.3158760130405426}],"sentiment":"positive","sentiment_score":0.35418242650727433,"channel":0,"num_words":48,"start":1694.77,"end":1709.3251},{"sentences":[{"text":"So","start":1709.385,"end":1709.885,"sentiment":"neutral","sentiment_score":0.1880483478307724}],"sentiment":"neutral","sentiment_score":0.1880483478307724,"channel":0,"num_words":1,"start":1709.385,"end":1709.885},{"sentences":[{"text":"Yes.","start":1709.745,"end":1710.245,"sentiment":"neutral","sentiment_score":0.23964570462703705}],"sentiment":"neutral","sentiment_score":0.23964570462703705,"channel":1,"num_words":1,"start":1709.745,"end":1710.245},{"sentences":[{"text":"most claims are done in that two year period.","start":1710.345,"end":1712.845,"sentiment":"neutral","sentiment_score":0.16181066632270813},{"text":"Okay?","start":1713.0651,"end":1713.5651,"sentiment":"neutral","sentiment_score":0.12806925177574158}],"sentiment":"neutral","sentiment_score":0.15843652486801146,"channel":0,"num_words":10,"start":1710.345,"end":1713.5651},{"sentences":[{"text":"Yep.","start":1714.09,"end":1714.59,"sentiment":"neutral","sentiment_score":0.17905621230602264}],"sentiment":"neutral","sentiment_score":0.17905621230602264,"channel":1,"num_words":1,"start":1714.09,"end":1714.59},{"sentences":[{"text":"All good.","start":1714.745,"end":1715.485,"sentiment":"positive","sentiment_score":0.4438808113336563},{"text":"Your insurances for this year are out of your super fund.","start":1715.865,"end":1718.905,"sentiment":"neutral","sentiment_score":-0.0345894375985319},{"text":"You paid $3,716.75.","start":1718.905,"end":1722.86,"sentiment":"neutral","sentiment_score":-0.07336674568553765},{"text":"These insurances do get more expensive as you get older because the risk of you making a claim increases as well.","start":1724.2001,"end":1730.68,"sentiment":"neutral","sentiment_score":-0.3014034926891327},{"text":"So,","start":1730.68,"end":1731.18,"sentiment":"neutral","sentiment_score":0.015201371163129808}],"sentiment":"neutral","sentiment_score":-0.15860774745478443,"channel":0,"num_words":38,"start":1714.745,"end":1731.18},{"sentences":[{"text":"Yes.","start":1731.2949,"end":1731.7949,"sentiment":"neutral","sentiment_score":0.1078343614935875}],"sentiment":"neutral","sentiment_score":0.1078343614935875,"channel":1,"num_words":1,"start":1731.2949,"end":1731.7949},{"sentences":[{"text":"again, if you I'll send you the email after break it all down to make it nice and clear.","start":1731.7201,"end":1736.14,"sentiment":"neutral","sentiment_score":0.22804421186447144},{"text":"Sometimes it's easy just to see it in writing as well.","start":1736.4551,"end":1739.115,"sentiment":"neutral","sentiment_score":0.28246990659020166},{"text":"And then you can let me know if you have any additional questions or wanna review the insurances in detail.","start":1739.5751,"end":1745.115,"sentiment":"neutral","sentiment_score":0.1821967877447605},{"text":"Okay?","start":1745.415,"end":1745.915,"sentiment":"neutral","sentiment_score":0.1077939197421074}],"sentiment":"neutral","sentiment_score":0.2194458563245979,"channel":0,"num_words":51,"start":1731.7201,"end":1745.915},{"sentences":[{"text":"Yep.","start":1745.45,"end":1745.77,"sentiment":"neutral","sentiment_score":0.17405810952186584},{"text":"Not a problem yet.","start":1745.77,"end":1747.15,"sentiment":"positive","sentiment_score":0.41307351738214493}],"sentiment":"positive","sentiment_score":0.3652704358100891,"channel":1,"num_words":5,"start":1745.45,"end":1747.15},{"sentences":[{"text":"Beautiful.","start":1747.495,"end":1747.995,"sentiment":"positive","sentiment_score":0.7352609038352966},{"text":"And, Joe, just so you know, you don't have to wait till review time.","start":1748.7101,"end":1751.43,"sentiment":"neutral","sentiment_score":0.26200633708919796},{"text":"If you, you know, in a couple of months decide, yeah, you do wanna look at them, just give me a buzz.","start":1751.43,"end":1755.67,"sentiment":"neutral","sentiment_score":0.2958858162164688},{"text":"Let me know.","start":1755.67,"end":1756.31,"sentiment":"neutral","sentiment_score":0.2748770813147227},{"text":"I'll make some time to have a chat to you about it.","start":1756.31,"end":1758.63,"sentiment":"neutral","sentiment_score":0.28543930997451145}],"sentiment":"neutral","sentiment_score":0.2915911642977825,"channel":0,"num_words":52,"start":1747.495,"end":1758.63},{"sentences":[{"text":"You are not limited to one call a year.","start":1758.63,"end":1761.195,"sentiment":"neutral","sentiment_score":0.1009509339928627},{"text":"I'll call you","start":1761.195,"end":1761.995,"sentiment":"neutral","sentiment_score":0.12880241374174753}],"sentiment":"neutral","sentiment_score":0.10791380393008392,"channel":0,"num_words":12,"start":1758.63,"end":1761.995},{"sentences":[{"text":"K.","start":1761.78,"end":1762.28,"sentiment":"neutral","sentiment_score":0.10699356347322464}],"sentiment":"neutral","sentiment_score":0.10699356347322464,"channel":1,"num_words":1,"start":1761.78,"end":1762.28},{"sentences":[{"text":"as many times a year as you need me to.","start":1761.995,"end":1763.995,"sentiment":"neutral","sentiment_score":0.12780014798045158},{"text":"Okay?","start":1763.995,"end":1764.495,"sentiment":"neutral","sentiment_score":0.1377589851617813}],"sentiment":"neutral","sentiment_score":0.12870549681511792,"channel":0,"num_words":11,"start":1761.995,"end":1764.495},{"sentences":[{"text":"Thank you very much.","start":1764.9801,"end":1766.2001,"sentiment":"positive","sentiment_score":0.6752175390720367}],"sentiment":"positive","sentiment_score":0.6752175390720367,"channel":1,"num_words":4,"start":1764.9801,"end":1766.2001},{"sentences":[{"text":"That's okay.","start":1766.955,"end":1767.855,"sentiment":"positive","sentiment_score":0.3740408271551132},{"text":"So that's basically a breakdown of your super and the insurances.","start":1768.235,"end":1771.615,"sentiment":"neutral","sentiment_score":0.27556610107421875},{"text":"A couple of little things for me to go back and research there for you, which will be great.","start":1772.235,"end":1776.32,"sentiment":"positive","sentiment_score":0.4497927913540288},{"text":"I'll update the advice document to reflect that for you.","start":1776.32,"end":1779.62,"sentiment":"positive","sentiment_score":0.34719383120536806}],"sentiment":"positive","sentiment_score":0.37612643128349665,"channel":0,"num_words":42,"start":1766.955,"end":1779.62},{"sentences":[{"text":"Yep.","start":1779.825,"end":1780.325,"sentiment":"neutral","sentiment_score":0.1491011083126068}],"sentiment":"neutral","sentiment_score":0.1491011083126068,"channel":1,"num_words":1,"start":1779.825,"end":1780.325},{"sentences":[{"text":"The only other thing I do need to point out when it comes to insurances are you've got life keeping and income protection.","start":1781.0399,"end":1786.4199,"sentiment":"neutral","sentiment_score":0.029159709487272346},{"text":"You're not paying for any additional covers outside of sleepers, so there are other insurances that you can obtain, things like trauma, and trauma pays out a benefit if you stay diagnosed with Parkinson's or cancer, or if you have a heart attack or a stroke, things like that.","start":1786.995,"end":1803.8301,"sentiment":"neutral","sentiment_score":-0.03622818331481242}],"sentiment":"neutral","sentiment_score":-0.015340384225257568,"channel":0,"num_words":72,"start":1781.0399,"end":1803.8301},{"sentences":[{"text":"Yep.","start":1804.0599,"end":1804.5599,"sentiment":"neutral","sentiment_score":-0.03569186106324196}],"sentiment":"neutral","sentiment_score":-0.03569186106324196,"channel":1,"num_words":1,"start":1804.0599,"end":1804.5599},{"sentences":[{"text":"Insurances like trauma, you can't pay for inside.","start":1804.93,"end":1808.05,"sentiment":"neutral","sentiment_score":-0.1314417952671647},{"text":"Super, they are only paid for out of your back 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of it.","start":2284.905,"end":2285.625,"sentiment":"neutral","sentiment_score":-0.07591268668572108},{"text":"So","start":2285.625,"end":2286.125,"sentiment":"neutral","sentiment_score":0.05362334847450256}],"sentiment":"neutral","sentiment_score":-0.04352867789566517,"channel":0,"num_words":4,"start":2284.905,"end":2286.125},{"sentences":[{"text":"Yes.","start":2286.05,"end":2286.55,"sentiment":"neutral","sentiment_score":0.2191275954246521}],"sentiment":"neutral","sentiment_score":0.2191275954246521,"channel":1,"num_words":1,"start":2286.05,"end":2286.55},{"sentences":[{"text":"as much as you guys are together and I hope nothing happens, it is really important to maybe have that conversation, talk about having a will drawn up together and, you know, the 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one.","start":2309.4749,"end":2316.115,"sentiment":"neutral","sentiment_score":0.14261474483646452},{"text":"A lot of people don't think about doing up a will, and a lot of people I speak to would just assume that everything goes to their spouse automatically.","start":2316.115,"end":2322.8,"sentiment":"neutral","sentiment_score":-0.2265507193474934},{"text":"And whilst most legislation state that the spouse is the next one to receive most things, it it doesn't always work that way because it does have to go through the court system, and a judge decides who's entitled to property, how it should be paid out, and it's not always in in accordance with the person's wishes that's passed away, unfortunately.","start":2323.1802,"end":2346.675,"sentiment":"neutral","sentiment_score":-0.29365418226488177}],"sentiment":"neutral","sentiment_score":-0.15923269957304,"channel":0,"num_words":125,"start":2308.755,"end":2346.675},{"sentences":[{"text":"Oh, 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brochure on one of the local solicitors.","start":2351.61,"end":2361.55,"sentiment":"neutral","sentiment_score":0.14220479207819905},{"text":"It's not a referral or anything.","start":2361.77,"end":2363.21,"sentiment":"neutral","sentiment_score":-0.016572799533605576},{"text":"It's just a bit of a costing to start the conversation between you, but, like, this is how much it costs to do a will and a power of attorney, you know, what's important to us, what do we want to happen, things like that.","start":2363.21,"end":2373.5852,"sentiment":"neutral","sentiment_score":0.11384833388858372},{"text":"Does that make 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as","start":2375.5852,"end":2376.145,"sentiment":"neutral","sentiment_score":0.07458281765381496}],"sentiment":"neutral","sentiment_score":0.07458281765381496,"channel":0,"num_words":3,"start":2375.5852,"end":2376.145},{"sentences":[{"text":"Yeah.","start":2376.0151,"end":2376.3352,"sentiment":"neutral","sentiment_score":0.09109607338905334}],"sentiment":"neutral","sentiment_score":0.09109607338905334,"channel":1,"num_words":1,"start":2376.0151,"end":2376.3352},{"sentences":[{"text":"well?","start":2376.145,"end":2376.645,"sentiment":"neutral","sentiment_score":0.03414730355143547}],"sentiment":"neutral","sentiment_score":0.03414730355143547,"channel":0,"num_words":1,"start":2376.145,"end":2376.645},{"sentences":[{"text":"That'd 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but it's one of those things, isn't it?","start":2378.82,"end":2382.52,"sentiment":"neutral","sentiment_score":0.2221601923306783}],"sentiment":"neutral","sentiment_score":0.2532963678240776,"channel":0,"num_words":16,"start":2378.34,"end":2382.52},{"sentences":[{"text":"Yes.","start":2383.0552,"end":2383.2952,"sentiment":"neutral","sentiment_score":0.21579289436340332},{"text":"It is.","start":2383.2952,"end":2383.955,"sentiment":"neutral","sentiment_score":0.23229435831308365}],"sentiment":"neutral","sentiment_score":0.22679387032985687,"channel":1,"num_words":3,"start":2383.0552,"end":2383.955},{"sentences":[{"text":"Yeah.","start":2384.6602,"end":2384.9802,"sentiment":"neutral","sentiment_score":0.16693197190761566},{"text":"It's a very difficult conversation to have, but it's definitely one of the most important conversations to have with our 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bit of context around those things.","start":2392.745,"end":2397.645,"sentiment":"neutral","sentiment_score":0.26511071363221045},{"text":"And then, Joe, you'll also have my email.","start":2398.185,"end":2400.105,"sentiment":"neutral","sentiment_score":0.16691203601658344}],"sentiment":"neutral","sentiment_score":0.23816504263702562,"channel":0,"num_words":34,"start":2391.1401,"end":2400.105},{"sentences":[{"text":"So if you wanna reply back with any additional questions, you're welcome to.","start":2400.105,"end":2403.945,"sentiment":"neutral","sentiment_score":0.25761459309321183},{"text":"I will answer them.","start":2403.945,"end":2404.825,"sentiment":"neutral","sentiment_score":0.25960027799010277},{"text":"If you need to talk about anything in further detail, let me know.","start":2404.825,"end":2407.99,"sentiment":"neutral","sentiment_score":0.16320141977988756},{"text":"I'll book you in, and we can go through a time to discuss whatever it is that you possibly need.","start":2407.99,"end":2412.95,"sentiment":"neutral","sentiment_score":0.2506758809089661},{"text":"Okay?","start":2412.95,"end":2413.45,"sentiment":"neutral","sentiment_score":0.1405424177646637}],"sentiment":"neutral","sentiment_score":0.22868763363244488,"channel":0,"num_words":51,"start":2400.105,"end":2413.45},{"sentences":[{"text":"Okay.","start":2413.7449,"end":2414.065,"sentiment":"neutral","sentiment_score":0.2249806523323059},{"text":"Thank you very much.","start":2414.065,"end":2415.24,"sentiment":"positive","sentiment_score":0.5602441430091858}],"sentiment":"positive","sentiment_score":0.49319144487380984,"channel":1,"num_words":5,"start":2413.7449,"end":2415.24},{"sentences":[{"text":"That's okay.","start":2415.75,"end":2416.47,"sentiment":"neutral","sentiment_score":0.2995520234107971},{"text":"Not a problem at all.","start":2416.47,"end":2417.51,"sentiment":"neutral","sentiment_score":0.3018619537353516},{"text":"Now attach that email as you kinda noted before, we did also have the ongoing service agreement.","start":2417.51,"end":2423.345,"sentiment":"neutral","sentiment_score":0.18521708600661335},{"text":"So having us as your financial advisers looking after your super, we do charge the ongoing service fee.","start":2423.345,"end":2429.285,"sentiment":"neutral","sentiment_score":0.18055338081386355},{"text":"Because yourself and your husband are both clients with us, your ongoing fee you pay is 1.1%, so it is reduced from our normal fee.","start":2429.585,"end":2437.5,"sentiment":"neutral","sentiment_score":0.17664943993091584}],"sentiment":"neutral","sentiment_score":0.1928850915004958,"channel":0,"num_words":67,"start":2415.75,"end":2437.5},{"sentences":[{"text":"I will.","start":2437.975,"end":2438.635,"sentiment":"neutral","sentiment_score":0.11571672558784485}],"sentiment":"neutral","sentiment_score":0.11571672558784485,"channel":1,"num_words":2,"start":2437.975,"end":2438.635},{"sentences":[{"text":"That that document sorry.","start":2438.52,"end":2441.4,"sentiment":"neutral","sentiment_score":0.076235206797719},{"text":"That's gonna ask you to sign.","start":2441.4,"end":2442.8398,"sentiment":"neutral","sentiment_score":0.12549116959174475},{"text":"It's just confirming you're happy to remain as a client and allowing us to continue charging that fee for the next twelve months.","start":2442.8398,"end":2448.94,"sentiment":"neutral","sentiment_score":0.2974579826645229},{"text":"And I will, for the time being, go back and update the advice for you and look at just replacing some of those investments for you as well, keeping you with that growth portfolio.","start":2449.9949,"end":2459.295,"sentiment":"neutral","sentiment_score":0.2284811283735668},{"text":"Are you comfortable at the moment whilst you're looking at the insurances?","start":2460.795,"end":2463.7798,"sentiment":"neutral","sentiment_score":0.05253403758009275}],"sentiment":"neutral","sentiment_score":0.20630618052769312,"channel":0,"num_words":79,"start":2438.52,"end":2463.7798},{"sentences":[{"text":"If anything comes back and you decide you wanna reevaluate insurances, let me know.","start":2463.8398,"end":2468.5,"sentiment":"neutral","sentiment_score":0.05962852987327746},{"text":"We can have a really in-depth conversation, and I can always include that in that advice piece for you.","start":2468.5598,"end":2473.44,"sentiment":"neutral","sentiment_score":0.22839369036649404},{"text":"But for the time being, it'll just be around the investment side of things.","start":2473.44,"end":2477.2,"sentiment":"neutral","sentiment_score":0.11970587074756622},{"text":"Is that okay?","start":2477.2,"end":2478.0999,"sentiment":"neutral","sentiment_score":0.13987190028031668}],"sentiment":"neutral","sentiment_score":0.14539554852992295,"channel":0,"num_words":50,"start":2463.8398,"end":2478.0999},{"sentences":[{"text":"Yes.","start":2478.6199,"end":2478.94,"sentiment":"neutral","sentiment_score":0.2003692090511322},{"text":"That's fine.","start":2478.94,"end":2479.5798,"sentiment":"positive","sentiment_score":0.37280845642089844},{"text":"Thank you.","start":2479.5798,"end":2480.3198,"sentiment":"positive","sentiment_score":0.6674847304821014}],"sentiment":"positive","sentiment_score":0.4561911165714264,"channel":1,"num_words":5,"start":2478.6199,"end":2480.3198},{"sentences":[{"text":"Beautiful.","start":2481.015,"end":2481.515,"sentiment":"neutral","sentiment_score":0.02546985074877739},{"text":"I know I clobbered a lot today, but is there anything that you think I might have missed or anything that you wanted me to sort of bring up or chat to you about other than anything we have gone through at the moment?","start":2481.895,"end":2492.695,"sentiment":"neutral","sentiment_score":-0.0349213732406497},{"text":"Sorry.","start":2492.695,"end":2493.195,"sentiment":"neutral","sentiment_score":-0.15819349884986875}],"sentiment":"neutral","sentiment_score":-0.03628834936281909,"channel":0,"num_words":46,"start":2481.015,"end":2493.195},{"sentences":[{"text":"No.","start":2494.635,"end":2494.955,"sentiment":"neutral","sentiment_score":-0.2128857225179672},{"text":"No.","start":2494.955,"end":2495.2751,"sentiment":"neutral","sentiment_score":-0.14369890093803406},{"text":"Everything's great.","start":2495.2751,"end":2496.315,"sentiment":"positive","sentiment_score":0.4888594299554825},{"text":"Thank you.","start":2496.315,"end":2497.135,"sentiment":"positive","sentiment_score":0.6851799488067627}],"sentiment":"neutral","sentiment_score":0.3319156890114148,"channel":1,"num_words":6,"start":2494.635,"end":2497.135},{"sentences":[{"text":"That's 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much.","start":2511.03,"end":2512.155,"sentiment":"positive","sentiment_score":0.7883080989122391}],"sentiment":"positive","sentiment_score":0.6890613883733749,"channel":1,"num_words":6,"start":2509.9102,"end":2512.155},{"sentences":[{"text":"Oh, my pleasure, Joe.","start":2512.825,"end":2514.2048,"sentiment":"positive","sentiment_score":0.6951683908700943},{"text":"Thank you so much for your time.","start":2514.265,"end":2515.545,"sentiment":"positive","sentiment_score":0.8533106957163129},{"text":"You have a good afternoon.","start":2515.545,"end":2516.845,"sentiment":"positive","sentiment_score":0.7827335715293884},{"text":"A rest for one too.","start":2516.905,"end":2518.285,"sentiment":"positive","sentiment_score":0.6766774773597717}],"sentiment":"positive","sentiment_score":0.764328746568589,"channel":0,"num_words":21,"start":2512.825,"end":2518.285},{"sentences":[{"text":"Thank you very much.","start":2518.955,"end":2520.243,"sentiment":"positive","sentiment_score":0.762547180056572}],"sentiment":"positive","sentiment_score":0.762547180056572,"channel":1,"num_words":4,"start":2518.955,"end":2520.243},{"sentences":[{"text":"Thanks for your time.","start":2520.993,"end":2521.873,"sentiment":"positive","sentiment_score":0.7285324931144714},{"text":"We'll talk to you soon.","start":2521.873,"end":2523.093,"sentiment":"positive","sentiment_score":0.43753392100334165},{"text":"See you later.","start":2523.153,"end":2523.973,"sentiment":"positive","sentiment_score":0.3803378740946452}],"sentiment":"positive","sentiment_score":0.5202344333132108,"channel":0,"num_words":12,"start":2520.993,"end":2523.973},{"sentences":[{"text":"Bye bye.","start":2523.603,"end":2524.343,"sentiment":"neutral","sentiment_score":0.201861210167408}],"sentiment":"neutral","sentiment_score":0.201861210167408,"channel":1,"num_words":2,"start":2523.603,"end":2524.343},{"sentences":[{"text":"Thanks.","start":2524.9128,"end":2525.393,"sentiment":"positive","sentiment_score":0.46949446201324463}],"sentiment":"positive","sentiment_score":0.46949446201324463,"channel":0,"num_words":1,"start":2524.9128,"end":2525.393},{"sentences":[{"text":"Bye.","start":2525.1228,"end":2525.6228,"sentiment":"neutral","sentiment_score":0.22747597098350525}],"sentiment":"neutral","sentiment_score":0.22747597098350525,"channel":1,"num_words":1,"start":2525.1228,"end":2525.6228},{"sentences":[{"text":"Bye.","start":2525.393,"end":2525.893,"sentiment":"neutral","sentiment_score":-0.10689197480678558}],"sentiment":"neutral","sentiment_score":-0.10689197480678558,"channel":0,"num_words":1,"start":2525.393,"end":2525.893}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with various customers about their upcoming annual reviews and risk profile questionnaire. They emphasize the importance of maintaining positive returns and avoiding anxiety and fear when looking at the value of their investment portfolios. The representatives also discuss the benefits of insurance coverage, including a total permanent disability benefit, and offer to send a breakdown of insurance coverage and discuss the impact of renovation on the customer's property. They emphasize the importance of protecting all investments and assets and offer to review the insurance policy in detail."},"intents":{"segments":[{"text":"I had a resident convince my partner with my child, and I hadn't dressed her. So that took a while to convince that she was wearing clothes, and she wasn't in Oh, the nutty.","start_word":53,"end_word":86,"intents":[{"intent":"Convince partner to wear clothes","confidence_score":0.08255411}]},{"text":"I'm sending that one through to you now.","start_word":303,"end_word":310,"intents":[{"intent":"Receive email","confidence_score":0.0046606422}]},{"text":"And before we jump in the call, I do just have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes.","start_word":321,"end_word":355,"intents":[{"intent":"Record calls","confidence_score":0.11280565}]},{"text":"25 Kirsten Court, Rachael, South Queensland 4123. Beautiful.","start_word":406,"end_word":413,"intents":[{"intent":"Confirm address","confidence_score":0.030476267}]},{"text":"Now when you open that one there, there is a document there to sign, but I don't I don't want you to sign it out of the app. We do have underneath at the bottom, if you kinda scroll down a little bit, just a couple of additional attachments there. And they're essentially your annual review documents I'm gonna run through. Yep.","start_word":462,"end_word":523,"intents":[{"intent":"Sign document","confidence_score":0.2748304}]},{"text":"So if I go into that Yep. and it says start the survey. 9. Where is it?","start_word":623,"end_word":639,"intents":[{"intent":"Go to yep","confidence_score":0.024147071},{"intent":"Start survey","confidence_score":0.49073407}]},{"text":"Those two, I actually think I would probably have a bit of a look at your statement beforehand. I'd like to go back and just review those investments and maybe look at switching them out if there's something better. I definitely Yep.","start_word":967,"end_word":1008,"intents":[{"intent":"Review investments","confidence_score":0.7033719}]},{"text":"don't wanna have any underperforming investments, and every so often, it's good to have those reevaluated.","start_word":1010,"end_word":1025,"intents":[{"intent":"Reevaluate and compare investments","confidence_score":0.00024724472}]},{"text":"I haven't actually seen the update being released today, but they were hoping to hold interest rates today. So we'll see what comes out this afternoon.","start_word":1495,"end_word":1520,"intents":[{"intent":"Adjust interest rates","confidence_score":0.0006729297}]},{"text":"Is he wanting to retire about when you are, or do you think you Yeah.","start_word":1781,"end_word":1795,"intents":[{"intent":"Assess retirement age","confidence_score":0.029630324},{"intent":"Discuss retirement age","confidence_score":0.708413}]},{"text":"Now the next question here is about volatility, and it's basically asking how much risk do you see yourself comfortable taking in order to get those higher returns out of your super?","start_word":1885,"end_word":1916,"intents":[{"intent":"Discuss volatility","confidence_score":0.6832902}]},{"text":"Do you consider yourself to be a high risk taker? You want the best returns you possibly can to get, you you know, to to get yourself to your super higher and to get your goal. Do you maybe consider yourself to be more of a moderate or medium risk taker to try and get the best returns you possibly can or not a risk taker at all getting next to no returns?","start_word":1917,"end_word":1989,"intents":[{"intent":"Consider risk-taking","confidence_score":0.0043227165}]},{"text":"But if, you know, if someone advises me this is what you should be doing, then Yep. I'd do it. That's Bye. okay.","start_word":2014,"end_word":2036,"intents":[{"intent":"Discuss mutual decisions","confidence_score":0.0000033099593}]},{"text":"Are you thinking it's a buying opportunity?","start_word":2089,"end_word":2095,"intents":[{"intent":"Discuss investment","confidence_score":0.0025701467}]},{"text":"What we're sort of wanting to do with this sort of asset allocation is have some of your money in those higher growth in assets, like the international and Australian shares, properties, and commodities because that's where you get a lot of your growth from.","start_word":2379,"end_word":2423,"intents":[{"intent":"Assess asset allocation","confidence_score":0.02700629}]},{"text":"So, realistically, when you think about the risk level you're taking in this sort of environment, if you, you know, have risk on a scale of one to five, five being aggressive, very risky, all in those high growth investments, and one being no risk at all, sitting a 100% cash, not making any money, essentially, you're probably sitting between a three and a four there.","start_word":2548,"end_word":2613,"intents":[{"intent":"Discuss risk level","confidence_score":0.03370573}]},{"text":"got quite a good hold of those growth assets trying to get you super working harder, but you do also have a mix of some lower risk investments for that defensive low risk component. Does that make sense?","start_word":2633,"end_word":2670,"intents":[{"intent":"Discuss potential investments","confidence_score":0.0017840853}]},{"text":"Did you want me to keep you in that kind of environment?","start_word":2674,"end_word":2685,"intents":[{"intent":"Share job experience","confidence_score":0.0064011775}]},{"text":"So based on your age this year and if you would've worked at age 65, you still have more than ten years ahead of you. But are you comfortable sort of studying this environment, or did you want me to sort of look at something a bit more low lower risk for Oh, no.","start_word":2705,"end_word":2758,"intents":[{"intent":"Discuss age preference","confidence_score":0.008229718}]},{"text":"But are you comfortable sort of studying this environment, or did you want me to sort of look at something a bit more low lower risk for Oh, no.","start_word":2730,"end_word":2758,"intents":[{"intent":"Express interest in investment strategy","confidence_score":0.00034290692}]},{"text":"Whatever's gonna make me money. you? Yeah.","start_word":2759,"end_word":2765,"intents":[{"intent":"Discuss money saving plan","confidence_score":1.8383025e-7}]},{"text":"I I trust you. Yeah.","start_word":2768,"end_word":2772,"intents":[{"intent":"Express trust","confidence_score":0.103753075}]},{"text":"I won't see you wrong. I won't see you wrong. And that's why it's good to have the conversations.","start_word":2780,"end_word":2798,"intents":[{"intent":"Express desire to have conversations","confidence_score":0.0015152193}]},{"text":"What I'll do, if you like, is I'll go back, review the portfolio.","start_word":2897,"end_word":2909,"intents":[{"intent":"Review portfolio","confidence_score":0.5581396}]},{"text":"Now the other thing to have a really good chat about is your insurances. So at the moment, you do have your life and your TBD, which is paid out of your super. When Yes.","start_word":2979,"end_word":3013,"intents":[{"intent":"Discuss insurances","confidence_score":0.6053711}]},{"text":"What's the do you have a loan on the investment property at the moment? Yes. Yeah.","start_word":3139,"end_word":3154,"intents":[{"intent":"Confirm loan amount","confidence_score":0.057586074}]},{"text":"And do you think the the value of that property will be around what the build cost was, or do you think it might have increased in value a little bit It seems free in value since because it was then? Yeah.","start_word":3270,"end_word":3311,"intents":[{"intent":"Discuss property value","confidence_score":0.016557854}]},{"text":"With the I've got down here that you've also had one car noted with an asset value of 12,000. Do you guys have two cars there as Yes. well?","start_word":3591,"end_word":3619,"intents":[{"intent":"Check asset value","confidence_score":0.014240121},{"intent":"Find car","confidence_score":0.09669615},{"intent":"Provide car details","confidence_score":0.00019599708}]},{"text":"So there's one of two ways this could essentially go. If you were to pass away, the the $1.57 500 could pay off the loan on the main primary residence there. But then it just kinda comes down to what you guys would wanna do with the investment property.","start_word":3948,"end_word":3996,"intents":[{"intent":"Inquire about future policy options","confidence_score":0.000003946029}]},{"text":"If you like if you decide that you do wanna review the insurance amount and you wanna maybe look at getting new cover or increasing the cover, feel free to just let me know.","start_word":4224,"end_word":4257,"intents":[{"intent":"Review insurance coverage","confidence_score":0.44166374}]},{"text":"After the call, did you want me to send you an email just for the breakdown of the insurances that you've got? It's also That'd on the email be great. with the certificate of currency, but I can send you a separate email just for the breakdown so you can have a really good chat about those. And Yep.","start_word":4261,"end_word":4319,"intents":[{"intent":"Send separate email","confidence_score":0.523891}]},{"text":"What's your income at the moment? Has that increased since we last called out?","start_word":4392,"end_word":4405,"intents":[{"intent":"Gather income information","confidence_score":0.004507327}]},{"text":"I get paid $36.40 an hour, and I work Yep.","start_word":4406,"end_word":4415,"intents":[{"intent":"Confirm payment","confidence_score":0.0017045664}]},{"text":"When we look at income protection there, the monthly benefit you have at the moment is about 4,372 and 65<unk>. The monthly benefit based on an income of 75,000 need means that we need to cover you for $4,003.07 5. So you're probably only about 2 or $3 off actually having the right level of cover for income protection. Yes.","start_word":4627,"end_word":4686,"intents":[{"intent":"Explain benefit coverage and cost","confidence_score":0.000032635413}]},{"text":"You're not paying for any additional covers outside of sleepers, so there are other insurances that you can obtain, things like trauma, and trauma pays out a benefit if you stay diagnosed with Parkinson's or cancer, or if you have a heart attack or a stroke, things like that. Yep.","start_word":5284,"end_word":5333,"intents":[{"intent":"Obtain additional coverage","confidence_score":0.008305372}]},{"text":"Did you wanna look at maybe having me put down some information around what trauma is and how that works for you to maybe have a think about? Or Yeah.","start_word":5353,"end_word":5382,"intents":[{"intent":"Review trauma coverage","confidence_score":0.20180734}]},{"text":"Having a bit of a look, are you open to making additional contributions to kind of boost your super, or are you finding in rather not at the moment?","start_word":5457,"end_word":5485,"intents":[{"intent":"Consider additional contributions","confidence_score":0.0077386857},{"intent":"Determine comfort with additional contributions","confidence_score":0.047051623}]},{"text":"I'll add that into the email there for you, and I'll just get one of my admin team over the next week or so just to follow-up and see if you have any questions in relation to email or if there's anything that you wanted to, you know, to talk further about. Okay? Yep.","start_word":5658,"end_word":5711,"intents":[{"intent":"Add to email","confidence_score":0.11811138},{"intent":"Follow up with admin team","confidence_score":0.009990198}]},{"text":"Are you guys many finding that you're putting much away out of your income at the end of the week, or are you finding most of it's going towards your bills and expenditure? Yep. Oh, no.","start_word":5712,"end_word":5747,"intents":[{"intent":"Ask about income","confidence_score":0.15949571}]},{"text":"So would you say if I work out your income, so most of yours is kind of going into savings at the moment. So that Yeah.","start_word":5836,"end_word":5861,"intents":[{"intent":"Ask about how much money goes into savings","confidence_score":0.000006036651}]},{"text":"And how's the renovating going? Frustrating.","start_word":5932,"end_word":5937,"intents":[{"intent":"Explain situation with renovating","confidence_score":0.0024769627},{"intent":"Ask about renovating progress","confidence_score":0.064934306}]},{"text":"I'm the same with the landscaping at the moment. Trying to do the landscaping, and it's just never ending.","start_word":6157,"end_word":6175,"intents":[{"intent":"Addressing landscaping issues","confidence_score":0.00005389517}]},{"text":"And do you guys have a valid will? Have you drawn up a will in the past at all? No. Nope.","start_word":6394,"end_word":6414,"intents":[{"intent":"Verify address and will","confidence_score":0.000044994264}]},{"text":"But this sort of looking at all the assets that you do have outside of super, so your house, your contents, all your jewelry, your savings accounts, your investment property, your cars, all of those things. If something happened to you and or to both of you without having a will, it essentially has to go through what's called a probate process. And Oh.","start_word":6503,"end_word":6566,"intents":[{"intent":"Apply will to assets","confidence_score":0.010126758},{"intent":"Evaluate probate process","confidence_score":0.030824175},{"intent":"Explore probate process","confidence_score":0.0009255149},{"intent":"Discuss probate process","confidence_score":0.19037558}]},{"text":"Normally, they just follow legislation normally where your spouse should inherit most things, like, you know, depending on how your house is, you know, purchased together, that would automatically go to him.","start_word":6651,"end_word":6682,"intents":[{"intent":"Determine future use of the deceased spouse","confidence_score":6.370284e-9}]},{"text":"as much as you guys are together and I hope nothing happens, it is really important to maybe have that conversation, talk about having a will drawn up together and, you know, the importance Yep. of protecting all of your investments, all of your assets, everything you own and have worked so hard to build that is not super annual life insurance as well. Does that make sense?","start_word":6756,"end_word":6823,"intents":[{"intent":"Discuss will and estate importance","confidence_score":0.0012279594}]},{"text":"Oh, I will pop that in the email for you as well just so you've got a bit of context around those things.","start_word":7119,"end_word":7141,"intents":[{"intent":"Provide context","confidence_score":0.0059244707}]},{"text":"If you need to talk about anything in further detail, let me know. I'll book you in, and we can go through a time to discuss whatever it is that you possibly need. Okay? Okay.","start_word":7167,"end_word":7201,"intents":[{"intent":"Schedule discussion","confidence_score":0.0017688463}]},{"text":"Are you comfortable at the moment whilst you're looking at the insurances? If anything comes back and you decide you wanna reevaluate insurances, let me know.","start_word":7342,"end_word":7367,"intents":[{"intent":"Discuss insurances","confidence_score":0.005459079}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Joanne. This is Dana from Oakview Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.15017414093017578},{"text":"Good. Thank you. That's good. I had you booked in to go through your annual review today. Is now still a good time there for you?","start_word":14,"end_word":39,"sentiment":"positive","sentiment_score":0.4481813907623291},{"text":"Yeah. That's fine. I just got home. Oh, wow. How's your day been? I had a resident convince my partner with my child, and I hadn't dressed her. So that took a while to convince that she was wearing clothes, and she wasn't in Oh, the nutty. no. Poor Oh, darling. no. So she was yelling out for ages. She's in the nutty. She's in the nutty. And I'm like, who's in the nutty? And she's just like like, she is. You haven't dressed your child. And I'm like, oh god. Oh, goodness me. Sounds like you've had an eventful one. That's for sure. Okay. It's always interesting. Dementia's never nice. No. Absolutely. No. My mom's an age 10 nurse, and, yeah, she goes through those ups and downs. She has days where she goes, wow. It was a funny day and days where she goes, that was a really hard, horrible day. So I understand. Yeah. We've had a lot of those hard horrible ones. I bet. It never gets easier. No. No. Sometimes you can have a good laugh with them, and other times you're just like, oh my god. Yeah. Yeah. No. Understandable. Well, as I kinda mentioned there, Deborah, that got you booked in to go through your annual review today. Now do you happen to have access to your emails at the moment? If you don't, that's absolutely fine. Yeah. No. I do. Hang on. You do? That's okay. Have I'm you? just gonna Becca. send And yay. I'm getting Not into a my email. Yes. problem. Beautiful. I'm sending that one through to you now. It's just got your annual review pack there for you. And before we jump in the call, I do just have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes.","start_word":40,"end_word":355,"sentiment":"neutral","sentiment_score":-0.04606770667471463},{"text":"That's fine. Fantastic. And just to also do security there with you as well, just confirming your full name, your address, and date of birth I should have.","start_word":356,"end_word":383,"sentiment":"positive","sentiment_score":0.4006831049919128},{"text":"Yes. It's Joanne Nicole Roberts. Twenty first of the four seventy four. Yep. And you what else did you need? Address. Sorry. 25 Kirsten Court, Rachael, South Queensland 4123.","start_word":384,"end_word":412,"sentiment":"neutral","sentiment_score":0.043480850756168365},{"text":"Beautiful. Thank you so much for that. Now, hopefully, the email comes through fairly quickly there for you.","start_word":413,"end_word":430,"sentiment":"positive","sentiment_score":0.5238757133483887},{"text":"It If did. it doesn't, let me know. It did all good. I do Yep. like when It technology did. works to our advantage. Sometimes it doesn't. That's it. All good. Now when you open that one there, there is a document there to sign, but I don't I don't want you to sign it out of the app. We do have underneath at the bottom, if you kinda scroll down a little bit, just a couple of additional attachments there. And they're essentially your annual review documents I'm gonna run through. Yep. One of them should say superannuation summary and insurances. Is that the one you can see there? It said consent to new ongoing fee arrangement. I've got that one. Yep. That's the one that's gonna ask you to sign, but I don't want you to sign anything as of yet. Is there if you scroll down, can you see the attachments? Because I did attach it about six or seven different documents there. If not, you might need to go back out just to the Yep. original email. Yeah. I'll get the original email. Hang on. That's okay. Right. So if I go into that Yep. and it says start the survey. 9. Where is it? If you All I've got when is you a signature request one. Yeah. yes. That's the Oh, email. yes. Normally, Services when you open guide. that, you Yep. just yep. That's the one. Yeah. Sorry. No. It's normally at the very bottom. It's like a little Yep. blue writing. Yeah. So sorry. It's alright. Now I've got overview services guide and FSG Yep. PDF. Yep. Open that. And if you no, sir. If you just ignore those couple because they're just Yes. the the IT services guide, underneath that, one of those should say super and insurances Yes. or Yes. summary. Got Yep. it. Yes. That's the one you're after. That's just giving you an updated balance there. So just to give you a bit of a run through first up of your super, Yeah. as of the June 12, which is when we prepared these documents there for you, your balance is 66,234 and 77<unk> there.","start_word":431,"end_word":797,"sentiment":"neutral","sentiment_score":0.03149896410448674},{"text":"So you have had a good increase coming on board.","start_word":798,"end_word":807,"sentiment":"positive","sentiment_score":0.7063794136047363},{"text":"Yes. The other document, if you go back out, there should be another one that says performance with IRR or internal rate of return. Can you see a document that says performance at all? Hang on. Hang on. That's okay. You're fine. I'll have to go back out again. I'm so sorry. Performance report. That's the one. Yeah. Yeah. So this one Yes. here outlines all the individual assets and how they have performed in your secret for the last twelve months. Yes. When you're looking at that one, the first page, you'll see it has a list of all the individual investments that you have there. And across the second last column shows how they have all performed individually, which is not Yes. doing too bad.","start_word":808,"end_word":934,"sentiment":"neutral","sentiment_score":0.027953052893280983},{"text":"Everything is working quite nicely.","start_word":935,"end_word":939,"sentiment":"positive","sentiment_score":0.6679355502128601},{"text":"I can just see you've got your India investment, which is down at moment about 20% down, and the Benelon Australian Equities is down to that 19%. Yes. Those two, I actually think I would probably have a bit of a look at your statement beforehand. I'd like to go back and just review those investments and maybe look at switching them out if there's something better. I definitely Yep. don't wanna have any underperforming investments, and every so often, it's good to have those reevaluated. Are you happy with me doing that Yeah. for you, That's Jo? fine. Yeah.","start_word":940,"end_word":1038,"sentiment":"neutral","sentiment_score":0.10790558588324171},{"text":"That'd be great. Yep. Fantastic.","start_word":1039,"end_word":1043,"sentiment":"positive","sentiment_score":0.512336790561676},{"text":"Let's look at putting something better in its place there for you. If you scroll down to the second page of that document, this kinda shows you an overall look of how your super has performed and necessities for the year. So if you look at the second last column there, it has internal rate of return, and underneath that, it says 3.49%. Can you see that there? Yes. I can. Yeah. So it's showing you that after fees, so net of fees, your super has shown a a positive return for the year of 3.49%. So Yep. it is very much a lower return than what we'd like to get out of the growth portfolio. So because you're Yes. in that growth environment there, we're sort of chasing an average return of around about seven to 9%. So it Okay. is definitely Yes. lower. It's sort of being held back by those two underperforming investments, the Bannalong and Equities and the India exposure, Yep. and they're Yes. seeing a lot of volatility again because of what's been happening globally. So I'll go back and review those two investments, look at maybe removing those and replacing them with something better for you, That'd and be look great. at seeing if we can get your super working a bit harder for you. How does that sound? That sounds right.","start_word":1044,"end_word":1271,"sentiment":"neutral","sentiment_score":0.0625104159116745},{"text":"Thank you.","start_word":1272,"end_word":1273,"sentiment":"positive","sentiment_score":0.33788594603538513},{"text":"Beautiful. However, it is important to note that having a positive return at the moment is still a good thing because of what we have seen with The US and Iran and what's happening globally there. The markets have been very up and down. I'm sure you've been hearing a lot about what's Yes. happening I in have. the news. Yep. Can't really escape any of it, can you? No. It's at every every resident I go into, they got the news on it. You just sit there and just go Yep. for goodness sake. Yep. I understand. Yeah. But now, if you have got a positive return for these, that is a good thing, albeit a much lower return than expected. We have seen a bit more volatility in the market. And, obviously, within Australia, we've also seen very much high inflation as well. So that is Yes. at the moment, you know, having the RBA and the government trying to compact combat that inflation. But when we sort of talk to your local economists, they are also just saying that we expect that high inflation to stick around possibly until about the end of the year, maybe early next year. So we'll see what happens moving forward. I know they are meant to be putting out an update shortly. I haven't actually seen the update being released today, but they were hoping to hold interest rates today. So we'll see what comes out this afternoon. Yeah. So that's essentially giving you an update on your super there at the moment. I definitely wanna review some of those investments for you. But do you have any questions about your super or anything specific about what we've gone through? Or No. No. Everything seems no? yeah. It's fine as long as you're working for me. That's right.","start_word":1274,"end_word":1580,"sentiment":"neutral","sentiment_score":0.04208852654074224},{"text":"Fantastic. Good to see.","start_word":1581,"end_word":1584,"sentiment":"positive","sentiment_score":0.5704450607299805},{"text":"Well, what I do also wanna do with you this afternoon, this is a bit of a quick risk profile questionnaire as well just to make sure you are still in should be invested in that growth environment. It helps me to determine when and if we should be maybe reducing or risk or changing your exposure level. Okay? Yes. Yep. The first one here is have you ever owned shares or investments in your own name before? No. Nope. That's okay. Beautiful. The next one here is looking at the time horizon. So when you came on board originally back in 2024 sorry. Can you hear me okay, Jess? I can. Yeah. Yeah. Sorry. I thought the phone just cut out. I do apologize. No. You're right. The we originally worked on a goal of being able to or hopefully retire around about age 65. Are you still working on that goal? Are you hoping to retire earlier? What are you sort of thinking moving forward? Probably between 65 and 70. You know, Yep. it just Yep. depends Beautiful. what because my husband's five years younger than me. Sorry. Okay. Five years younger than you. Is he wanting to retire about when you are, or do you think you Yeah. work a bit longer to get to his retirement age? Or I don't know. We haven't really discussed it. But, I mean, if if if we've got enough money, yeah, I'd retire sooner. Yep. Yep. No. Not a problem at all. And having a look at things at the moment, now you're 52 this year. Is that right? Yeah. He's only 47, if you. Yeah. That's okay.","start_word":1585,"end_word":1862,"sentiment":"neutral","sentiment_score":0.04745892037322624},{"text":"We got plenty of time ahead of us there at the moment. Even based on that age, it's absolutely fine. Perfect.","start_word":1863,"end_word":1883,"sentiment":"positive","sentiment_score":0.3696018159389496},{"text":"Yes. Now the next question here is about volatility, and it's basically asking how much risk do you see yourself comfortable taking in order to get those higher returns out of your super? Do you consider yourself to be a high risk taker? You want the best returns you possibly can to get, you you know, to to get yourself to your super higher and to get your goal. Do you maybe consider yourself to be more of a moderate or medium risk taker to try and get the best returns you possibly can or not a risk taker at all getting next to no returns? How How do you sort of see yourself in there? I'm not a huge risk taker because I don't want to lose money. Yep. But if, you know, if someone advises me this is what you should be doing, then Yep. I'd do it. That's Bye. okay.","start_word":1884,"end_word":2036,"sentiment":"neutral","sentiment_score":0.014668582938611507},{"text":"Beautiful.","start_word":2037,"end_word":2037,"sentiment":"positive","sentiment_score":0.4564430713653565},{"text":"Not a problem. So you probably see yourself in the middle range there at the moment.","start_word":2038,"end_word":2053,"sentiment":"neutral","sentiment_score":0.17819848656654358},{"text":"Yay.","start_word":2054,"end_word":2054,"sentiment":"positive","sentiment_score":0.3906906247138977},{"text":"Yep.","start_word":2055,"end_word":2055,"sentiment":"neutral","sentiment_score":0.25668179988861084},{"text":"Absolutely fine.","start_word":2056,"end_word":2057,"sentiment":"positive","sentiment_score":0.42691612243652344},{"text":"The next one here, it says, if you pull your super four by 20% in the next sort of six to twelve months, how do you think you might be feeling? Are you thinking it's a buying opportunity? Wanna put, like, a large lump sum of money in, take Go. advantage of the downtime? Maybe hold and wait, speak to us and see what we think you should do, or are you more likely to try and sell that asset and put your money in cash? Look. I don't look. To be honest with you, I don't really understand a lot of this. Like, I'm Yep. not stupid. Don't get me that. But I No.","start_word":2058,"end_word":2172,"sentiment":"neutral","sentiment_score":-0.03932025380756544},{"text":"I it does worry me that, you know, losing money and stuff like that.","start_word":2173,"end_word":2186,"sentiment":"negative","sentiment_score":-0.41818827390670776},{"text":"I I like to have know that my money in the best possible hands. Yeah. Absolutely. No. Not not a problem at all. The second last one here, it says, have you ever seen your super fall in value? Knowing that you you know, as you've kinda said to me, it can be quite concerning when you do see it fall in value. Do you think if you fall a market dip in the future, you might be feeling cautious, concerned, anxious, or optimistic? Where do you think Probably you might fall in that anxious. category? Anxious. Probably anxious. Yeah. That's absolutely okay.","start_word":2187,"end_word":2289,"sentiment":"neutral","sentiment_score":-0.2132686972618103},{"text":"Beautiful. Fantastic.","start_word":2290,"end_word":2291,"sentiment":"positive","sentiment_score":0.5634564161300659},{"text":"Now you have scored in that growth environment there. So as we kind of have you at the moment, a growth profile generally sees about 80% of your super in more of that high risk environment. So looking at things like international shares, Australian shares, property, and also commodities like gold and silver. You've got some of the gold in your portfolio as well. And Yes. then the other smaller 20% is seem to be in a low risk environment, things like cash, bonds, and fixed interest. What we're sort of wanting to do with this sort of asset allocation is have some of your money in those higher growth in assets, like the international and Australian shares, properties, and commodities because that's where you get a lot of your growth from. But we don't Okay. wanna have all of your money sitting in there because those investments are the ones that go up and down.","start_word":2292,"end_word":2447,"sentiment":"neutral","sentiment_score":0.004936350509524345},{"text":"That's what makes you feel nervous when you hear the news and they tell you that $50,000,000,000 is being wiped off the market. It's because those equities, those shares have dropped in value or they've gone down a little bit. There's been a big sell off.","start_word":2448,"end_word":2493,"sentiment":"negative","sentiment_score":-0.4032263989033906},{"text":"Not with that $80.20 split that you have at the moment, as I kinda mentioned before, we're looking for an average rate of return of about seven to 9% on a yearly basis, Yeah.","start_word":2494,"end_word":2527,"sentiment":"neutral","sentiment_score":-0.2105024605989456},{"text":"and you can expect a negative return generally every one and every five years.","start_word":2528,"end_word":2541,"sentiment":"negative","sentiment_score":-0.4602680206298828},{"text":"Oh, So okay. it's about yeah. So, realistically, when you think about the risk level you're taking in this sort of environment, if you, you know, have risk on a scale of one to five, five being aggressive, very risky, all in those high growth investments, and one being no risk at all, sitting a 100% cash, not making any money, essentially, you're probably sitting between a three and a four there. So you're not at the highest level. You're kind of in that mid range a little bit. You've Yes. got quite a good hold of those growth assets trying to get you super working harder, but you do also have a mix of some lower risk investments for that defensive low risk component. Does that make sense? Yes. Yeah. Yeah. Did you want me to keep you in that kind of environment? And, realistically, this kind of a portfolio does suit somebody at least six years before they're accessing their super. So based on your age this year and if you would've worked at age 65, you still have more than ten years ahead of you. But are you comfortable sort of studying this environment, or did you want me to sort of look at something a bit more low lower risk for Oh, no. Whatever's gonna make me money. you? Yeah. That's okay. I I trust you. Yeah.","start_word":2542,"end_word":2772,"sentiment":"neutral","sentiment_score":0.00878953654319048},{"text":"I Beautiful.","start_word":2773,"end_word":2774,"sentiment":"positive","sentiment_score":0.3611538112163544},{"text":"couldn't do Well, this myself. I won't see you wrong. I won't see you wrong.","start_word":2775,"end_word":2789,"sentiment":"neutral","sentiment_score":0.1288939118385315},{"text":"And that's why it's good to have the conversations. Part of what I love about my job isn't just telling you what to do with your super and your investments, but helping to educate you as well because we don't learn any of this at school.","start_word":2790,"end_word":2835,"sentiment":"positive","sentiment_score":0.4405488669872284},{"text":"You know? And it's not something that we all get taught on a regular basis.","start_word":2836,"end_word":2850,"sentiment":"neutral","sentiment_score":0.21686093509197235},{"text":"So, you know, learning about investments and kind of building the confidence is is also a part of my job that I really enjoy.","start_word":2851,"end_word":2874,"sentiment":"positive","sentiment_score":0.4266974627971649},{"text":"Okay? Yes. Yeah. No That's problem.","start_word":2875,"end_word":2880,"sentiment":"neutral","sentiment_score":0.14227986335754397},{"text":"all good.","start_word":2881,"end_word":2882,"sentiment":"positive","sentiment_score":0.35304027795791626},{"text":"So, I mean, time horizon wise, the growth portfolio still suits where you are. What I'll do, if you like, is I'll go back, review the portfolio. I'll look at how you invested, remove those couple of investments that are underperforming for you, and I'll look Yes. at putting something else that's placed, making sure we're, you know, factoring in the risk side of things, making sure that we have some low risk investments, but also investments that have got performance behind them. Does that sound okay? Yep.","start_word":2883,"end_word":2970,"sentiment":"neutral","sentiment_score":0.09235808253288268},{"text":"That sounds fine. Thank you. Fantastic. Excellent.","start_word":2971,"end_word":2977,"sentiment":"positive","sentiment_score":0.540117621421814},{"text":"Okay. Now the other thing to have a really good chat about is your insurances. So at the moment, you do have your life and your TBD, which is paid out of your super. When Yes. you came board onboard originally, you wanted to make sure that you could pay out your mortgage in the event of passing away and Yes. also a total permanent disability there. So when I look at the total, because if you were to pass away, probably nothing happens. But if you were to pass away, your current life insurance, some insured, you have a 157,500. We had it noted that your mortgage was at about 65,000. Have you Yes. reduced that a little bit since then? Or Yes. Yes. But we've got yeah? an investment property as well. So Oh, fantastic. so we've got an investment property in Melbourne. Okay. Perfect. So with the investment property sorry. I'm just popping that in here for you. What's the do you have a loan on the investment property at the moment? Yes. Yeah. How much do you owe on that one? You'd have to check with my husband. I have no idea. I know that the property was $4.50 to build, but I've I'm so sorry. I don't know. That's okay. But Do you think it would be around about that $4.50 mark? it it could be could be a bit Yep. more. Yep. Could be more. That's okay. Not a problem at all. I'll make a little note here for you.","start_word":2978,"end_word":3233,"sentiment":"neutral","sentiment_score":0.026216898069833405},{"text":"All good.","start_word":3234,"end_word":3235,"sentiment":"positive","sentiment_score":0.4880371689796448},{"text":"Yeah. And how long ago did you have that property built? We went last year when it was finally finished, so it's only Yeah. been, like, I think at November, it finished. Okay.","start_word":3236,"end_word":3268,"sentiment":"neutral","sentiment_score":0.03388860076665878},{"text":"Lovely.","start_word":3269,"end_word":3269,"sentiment":"positive","sentiment_score":0.4258483052253723},{"text":"And do you think the the value of that property will be around what the build cost was, or do you think it might have increased in value a little bit It seems free in value since because it was then? Yeah. there it's evidently in a high growth area, so I'm not sure. No. But That's they okay. but this house here, we only got for cheap. So, you know, it's now worth a hell of a lot more. Yeah. That's okay. What's the suburb the property is in? I could have a look at the rough valuation of the investment if you like. Hang on. I'll go find the the husband's. That's I okay. can't You're remember absolutely the name of fine. the suburb. I've been there, but I have no idea. You're Hi. right. Hi. Oh, hang on. It won't be a second. I'm just locating Yeah. You're you. right. Bye. Where's this property that we've got in Melbourne? What suburb is it in? Woodstock. Woodstock. Woodstock. Beautiful. And did you know what approximate loan value would be on that one at the moment? 790. Legend.","start_word":3270,"end_word":3458,"sentiment":"neutral","sentiment_score":-0.021045248955488205},{"text":"Thank you so much. Beautiful.","start_word":3459,"end_word":3463,"sentiment":"positive","sentiment_score":0.4348157048225403},{"text":"790,000. Lovely. And just while I've got you here, just updating values for me. Your main primary residence, we did have it noted about 940,000. What sort of value would you guys put on that one now? Wouldn't have the foggiest. I wonder if because I'm with a few as well, they can have the information shared between my account and your account. Oh, okay. I went through all that the other day with Michelle. Yeah. So Okay. my husband's with Otheer as well. So it Yep. should I all can have be a look at that. yeah. That's Michelle. Not a problem. I'll have a look at what Michelle put on there.","start_word":3464,"end_word":3576,"sentiment":"neutral","sentiment_score":0.048083052105080765},{"text":"Thank you for confirming and approving that for me.","start_word":3577,"end_word":3585,"sentiment":"positive","sentiment_score":0.5813375115394592},{"text":"Not a problem at all. With the I've got down here that you've also had one car noted with an asset value of 12,000. Do you guys have two cars there as Yes. well? Yes. I've got an Audi. An Audi q Oh, lovely. five.","start_word":3586,"end_word":3630,"sentiment":"neutral","sentiment_score":0.07470467686653137},{"text":"Fantastic.","start_word":3631,"end_word":3631,"sentiment":"positive","sentiment_score":0.4684155583381653},{"text":"How do you find it?","start_word":3632,"end_word":3636,"sentiment":"neutral","sentiment_score":0.17903076112270355},{"text":"Oh, I love it. I love Fantastic. it.","start_word":3637,"end_word":3644,"sentiment":"positive","sentiment_score":0.5337687134742737},{"text":"It's it's lovely to drive, but it's got a when I first got it, it because it's a diesel, Yeah. when you put your foot down, it really flies. So you've gotta drive it very cautiously. Because I was used to my car because I had a Wow. Yeah. I had an ASX, and I suddenly went to this car, and I was at a set of traffic lights. And, I mean, I didn't because I was used to driving the ASX. It's the same build of car, like, sort of style. And Yep. I Yeah. just Yeah. touched it, and I flew through the lights after work, and I just went, oh, crap. It was the first time I driven it. So now I'm I'm a Oh, bit more wow. cautious. Yep. Yep. Understandable. Oh goodness.","start_word":3645,"end_word":3781,"sentiment":"neutral","sentiment_score":-0.005123566836118698},{"text":"Well, I'm glad you're enjoying it. It's a beautiful car.","start_word":3782,"end_word":3791,"sentiment":"positive","sentiment_score":0.4707796275615692},{"text":"That's for sure. I just had a quick Google of what they look like.","start_word":3792,"end_word":3805,"sentiment":"neutral","sentiment_score":0.16352419555187225},{"text":"Absolute gorgeous car. I'm glad you're enjoying that one.","start_word":3806,"end_word":3814,"sentiment":"positive","sentiment_score":0.560514509677887},{"text":"Beautiful. Asha, leave the cat alone, please. Sorry. My grandson is smothering the poor cat. Oh, that's okay. You are fine. So, Joe, just to kinda get back to the insurance, this is the main reason I wanted to update you with the loan values was because when you came on board, your goal was to be able to pay out your mortgage in the event of passing. Yes. Yes. With the investment property now, the life cover of $1.57 500 doesn't quite cover the investment property loan, but it does kinda No. cover the main primary residence loan still. Are you happy Yep. with that life cover? Did you wanna look at increasing that? What's your thought? What would you advise? Well, it really depends on what it is that you're after. So there's one of two ways this could essentially go. If you were to pass away, the the $1.57 500 could pay off the loan on the main primary residence there. But then it just kinda comes down to what you guys would wanna do with the investment property. Do you think that Richard would sell the investment property, Yeah. or would he wanna pay it off, have the loan paid right down and clear it and keep it, or what do you think he would wanna do with I that? think Or he'd sell would you it want because the goal was Yep. the guy that we got it through, he suggested between two and ten years keeping the property, so but he'd probably sell Yep. it. Okay. No worries, though. So you'd be happy with just your life cover paying off your main primary residence, Yeah. leaving him free and clear with that debt and then possibly selling off the investment property? Yes. Yep. Yep.","start_word":3815,"end_word":4114,"sentiment":"neutral","sentiment_score":-0.034414534488071996},{"text":"Perfect.","start_word":4115,"end_word":4115,"sentiment":"positive","sentiment_score":0.6126569509506226},{"text":"And with the TBD cover, you have the same level of of cover, the one fifty seven five hundred. Are you happy with that level of cover for TBD as well? Did you wanna What's look at altering that at all? what's TPD? So it's total permanent disability. It pays at a lump sum benefit in the event that you're unable to ever go back to work again. So you're permanently disabled. Oh, Yeah. god. I don't know. I'll I'll speak to Richard and see what what he Yep. suggest. Yep. I'll I'll work Yeah. it out That's with him. fine. Yeah.","start_word":4116,"end_word":4217,"sentiment":"neutral","sentiment_score":0.025759095326066017},{"text":"Not a problem at all.","start_word":4218,"end_word":4222,"sentiment":"positive","sentiment_score":0.37609943747520447},{"text":"If you like if you decide that you do wanna review the insurance amount and you wanna maybe look at getting new cover or increasing the cover, feel free to just let me know. Give me a call. After the call, did you want me to send you an email just for the breakdown of the insurances that you've got?","start_word":4223,"end_word":4282,"sentiment":"neutral","sentiment_score":0.06447301059961319},{"text":"It's also That'd on the email be great.","start_word":4283,"end_word":4290,"sentiment":"positive","sentiment_score":0.3370766341686249},{"text":"with the certificate of currency, but I can send you a separate email just for the breakdown so you can have a really good chat about those. And Yep. it'll That'd let be you great. know how these are paid, what they can cover, how they work to give you a bit of context around each of them as Yeah. well. Yeah.","start_word":4291,"end_word":4352,"sentiment":"neutral","sentiment_score":0.1907772719860077},{"text":"That'd be good. Thank you. Fantastic.","start_word":4353,"end_word":4358,"sentiment":"positive","sentiment_score":0.5955930352210999},{"text":"Not a problem at all. Now the other cover you do have is income protection. It can cover up to 70% of your income if you're off work due to illness or injury. What's your income at the moment? Has that increased since we last called out? I get paid $36.40 an hour, and I work Yep. Monday to Friday, 06:30 to 02:30. So it's it's it's I think it's, like, seventy four hours, and I don't know 70 how how four they hours? work. You know, something something like that, but Yes. they it's underneath the eighty hours, so they don't have to give us because you get paid for one break and not for the other. Yeah. So Yep. yeah. But, yeah, I've I've got a tax thing for last year if you wanna know, but I think it might be Yeah. based on hang on. Hang That's on. okay. Hang on. I've worked it at roughly about 70,000 per annum. Yeah. I think it's about there. I've got it on my Yes. human support. Where's my earnings? Yep. Payslip. Where are we? So year to date, I've been paid $72,530. Okay. So you probably hit that sort of $73,000 mark this year given the couple of weeks that we have left Yeah. roughly. Yeah. Yeah. Well, I So get it'll if be we be a bit more than that. But yeah. But no. But that's that's about it. Yeah. That's So okay. If I work it on, say, 75,000 to give you a bit of a buffer, just kind of increasing a little bit. yeah. When we look at income protection there, the monthly benefit you have at the moment is about 4,372 and 65<unk>. The monthly benefit based on an income of 75,000 need means that we need to cover you for $4,003.07 5. So you're probably only about 2 or $3 off actually having the right level of cover for income protection. Yes. And every time these policies go through renewal, they do have to increase a little bit each year as well.","start_word":4359,"end_word":4708,"sentiment":"neutral","sentiment_score":0.05638901188969612},{"text":"So your income protection level is pretty accurate for your income at the moment, which is good.","start_word":4708,"end_word":4725,"sentiment":"positive","sentiment_score":0.4317355453968048},{"text":"Yep. But I will just send through that email breaking down the covers you have, what each of them cover, how they work, and you can let me know if you'd wanna review any of them or alter them. Is that okay? Yep.","start_word":4725,"end_word":4768,"sentiment":"neutral","sentiment_score":0.10739105939865112},{"text":"That's fine. Thank you.","start_word":4768,"end_word":4772,"sentiment":"positive","sentiment_score":0.4656985402107239},{"text":"Yep. That's okay. Now just to kind of explain the difference, the some of the things around the income protection, you have what's called a sixty day waiting period. That means that if you are off work, you just have to be off work for sixty days prior to being able to claim on your income protection policy. Yep. We would just say if you are off work and you think you're gonna be off work for that time frame and you're gonna need to claim on income protection, just give me a call. Have a chat to me, and I can have a bit of a look, and we can work out a plan of attack to have that claim sorted for you. Okay. Okay? Yep. And you have a two year benefit period. So it just means that if you're on your income protection, they will pay that benefit for two years. At the end of the two years, if you still can't go back to work, the benefit stops. So they stop paying the income protection claim, and it's just about making sure you can either go back to work or you have other funds to cover your living expenses. Does that make sense? Yes. It does. Yep.","start_word":4772,"end_word":4981,"sentiment":"neutral","sentiment_score":-0.00376943785425586},{"text":"Yep. Beautiful. Most claims are covered within that two year benefit period.","start_word":4982,"end_word":4993,"sentiment":"positive","sentiment_score":0.47635725140571594},{"text":"As you can imagine, when it comes to insurances, especially income protection, as soon as you go on claim and they know you're off work, they're doing everything possible to get you back to work. So Yes. most claims are done in that two year period. Okay? Yep.","start_word":4994,"end_word":5041,"sentiment":"neutral","sentiment_score":0.2730797529220581},{"text":"All good.","start_word":5042,"end_word":5043,"sentiment":"positive","sentiment_score":0.42763131856918335},{"text":"Your insurances for this year are out of your super fund. You paid $3,716.75. These insurances do get more expensive as you get older because the risk of you making a claim increases as well. So, Yes. again, if you I'll send you the email after break it all down to make it nice and clear. Sometimes it's easy just to see it in writing as well. And then you can let me know if you have any additional questions or wanna review the insurances in detail. Okay? Yep.","start_word":5044,"end_word":5132,"sentiment":"neutral","sentiment_score":0.054560136049985886},{"text":"Not a problem yet. Beautiful.","start_word":5133,"end_word":5137,"sentiment":"positive","sentiment_score":0.4881265163421631},{"text":"And, Joe, just so you know, you don't have to wait till review time. If you, you know, in a couple of months decide, yeah, you do wanna look at them, just give me a buzz. Let me know. I'll make some time to have a chat to you about it. You are not limited to one call a year. I'll call you K. as many times a year as you need me to. Okay?","start_word":5138,"end_word":5212,"sentiment":"neutral","sentiment_score":0.2336483895778656},{"text":"Thank you very much. That's okay.","start_word":5213,"end_word":5218,"sentiment":"positive","sentiment_score":0.5173363089561462},{"text":"So that's basically a breakdown of your super and the insurances.","start_word":5219,"end_word":5229,"sentiment":"neutral","sentiment_score":0.26298266649246216},{"text":"A couple of little things for me to go back and research there for you, which will be great. I'll update the advice document to reflect that for you.","start_word":5230,"end_word":5258,"sentiment":"positive","sentiment_score":0.4142027497291565},{"text":"Yep. The only other thing I do need to point out when it comes to insurances are you've got life keeping and income protection. You're not paying for any additional covers outside of sleepers, so there are other insurances that you can obtain, things like trauma, and trauma pays out a benefit if you stay diagnosed with Parkinson's or cancer, or if you have a heart attack or a stroke, things like that. Yep. Insurances like trauma, you can't pay for inside. Super, they are only paid for out of your back pocket. Yep. Did you wanna look at maybe having me put down some information around what trauma is and how that works for you to maybe have a think about? Or Yeah. I'll have a look. Yep. yes.","start_word":5259,"end_word":5388,"sentiment":"neutral","sentiment_score":-0.00569347317975301},{"text":"Beautiful.","start_word":5389,"end_word":5389,"sentiment":"positive","sentiment_score":0.6354646682739258},{"text":"I'll add that into the email there for you, and you can let me know what you wanna do, whether you wanna review or look at getting any new cover. Okay? Yep. Yep. That's correct.","start_word":5390,"end_word":5424,"sentiment":"neutral","sentiment_score":0.29783663153648376},{"text":"Beautiful. Now with your, expenditures, so we've got your income here, which is great. Income's definitely increased on where we had it when you first came on board, which is fantastic.","start_word":5425,"end_word":5455,"sentiment":"positive","sentiment_score":0.4757399559020996},{"text":"Yep. Having a bit of a look, are you open to making additional contributions to kind of boost your super, or are you finding in rather not at the moment? How much do you have to extra do you have to put in? You really don't have to put in anything. It more just comes down to what you're comfortable with. So, you know, in order to sort of build super a little bit faster, one one of the ways is making sure your portfolio is performing and that we're getting good returns, but there are other ways to provide a greater boost to super and build it faster, and that's by making additional contributions. If we looked at, say, salary sacrifice, which is a pretax contribution, you could be putting more into your super, and it also helps to reduce your taxable income a bit as well because that money comes out before your income tax is calculated. Not everybody wants to, but it's more just about working out whether you're comfortable looking at doing that or whether you prefer not to right now. Another thing I'll talk to my husband about. Additional contributions. Not Yeah. a problem at all. I'll add that into the email there for you, and I'll just get one of my admin team over the next week or so just to follow-up and see if you have any questions in relation to email or if there's anything that you wanted to, you know, to talk further about. Okay? Yep.","start_word":5456,"end_word":5710,"sentiment":"neutral","sentiment_score":0.1245685347739388},{"text":"Excellent.","start_word":5711,"end_word":5711,"sentiment":"positive","sentiment_score":0.618704080581665},{"text":"Are you guys many finding that you're putting much away out of your income at the end of the week, or are you finding most of it's going towards your bills and expenditure? Yep. Oh, no. My husband and I, we bank money. You do? Yep. Yeah. On Yeah. average, how much would you say you're putting away on a weekly or fortnightly basis? I get paid fortnightly. And when we do it fortnightly, it's basically most of my wage. And Yep. and we use Richard's so we use my wage for the put in the bills and put the rest in savings and stuff like that. So we use his money to To live on. to live on pretty much. Yep. That's okay. So would you say if I work out your income, so most of yours is kind of going into savings at the moment. So that Yeah. by, what, seventy four hours. Except we're renovating. So you're So it's probably yeah. That's okay. Would you say that you're, on average, able to put away about a thousand dollars on a fortnightly basis or a little Yeah. bit more? How would you Yeah. sort of A yep. little bit That's okay. more. Yeah. Yep. That's okay.","start_word":5712,"end_word":5919,"sentiment":"neutral","sentiment_score":0.03488615155220032},{"text":"Beautiful.","start_word":5920,"end_word":5920,"sentiment":"positive","sentiment_score":0.3656781911849976},{"text":"Just on average. I'll just pop that down there for you. And how's the renovating going?","start_word":5921,"end_word":5936,"sentiment":"neutral","sentiment_score":0.08797328174114227},{"text":"Frustrating.","start_word":5937,"end_word":5937,"sentiment":"negative","sentiment_score":-0.48970791697502136},{"text":"It's always a good idea, isn't it, until we start? That's right. Like like, we decided to pull down a half wall and to get so we got the flooring. The half wall is still not painted. We've got my in laws coming Yep. on Saturday, Oh, wow. and it's just you know? And then my grandson broke the bed they gave him and oh, well. Yep. It's a lot. That's a lot. No. I hope it Yes. all goes well. It'd Well, be good we once we it's got all a done. new kitchen. So we've got a new Yeah. kitchen, and Yeah. still doesn't have the flooring in it, and the carpet Yeah. needs to be lanked up. You know, there's just a painting and just every time we think of something, it's just sort of it's like a mountain. Yeah. Absolutely. No. Understandable. Wow. It's a big job, that renovating, isn't it?","start_word":5938,"end_word":6092,"sentiment":"neutral","sentiment_score":-0.02120020926644605},{"text":"It's a pain in the backside.","start_word":6093,"end_word":6098,"sentiment":"negative","sentiment_score":-0.3357662260532379},{"text":"But what what they make out is so easy is not Yes. Absolutely. No. you Understandable. know, you see them on renovating shows going, oh, we did this, and my husband goes, that'll be good in our place, and then we start looking at what you need to do, and it's just like I've stuck that. Yeah. Yep. I'm the same with the landscaping at the moment. Trying to do the landscaping, and it's just never ending. See, we live up a steep driveway. So we've got tiers on one side that are coming apart because, you know, that it's Yep. definitely, like, starting to drop a little bit, and it's just like and then it rains, and you're just like, all the oh, we got Singapore Daisy. Oh, look. It's just a mess. Yeah. Wow. Oh. So Oh, goodness me. like I always say to people, if they come over, I don't worry about the garden. I said, we'll deal with that when we finish the house. Fair enough. Fair enough.","start_word":6099,"end_word":6270,"sentiment":"neutral","sentiment_score":-0.003561117220669985},{"text":"All good.","start_word":6271,"end_word":6272,"sentiment":"positive","sentiment_score":0.365014910697937},{"text":"I'm just having a real quick look at your beneficiaries on file as well. So I can't see the beneficiary for Zurich, but I will just double check. Your super beneficiary is noted there as your husband, Richard, in the event that something was to happen.","start_word":6273,"end_word":6318,"sentiment":"neutral","sentiment_score":0.12701235711574554},{"text":"Are you happy and comfortable with how that is set up?","start_word":6319,"end_word":6329,"sentiment":"positive","sentiment_score":0.34947308897972107},{"text":"Yep.","start_word":6330,"end_word":6330,"sentiment":"neutral","sentiment_score":0.2377685010433197},{"text":"That's fine. Thank Yep. you. Fantastic.","start_word":6331,"end_word":6336,"sentiment":"positive","sentiment_score":0.5322482585906982},{"text":"And you want me to make sure that your life insurance has the same beneficiary. Yes. Yeah.","start_word":6337,"end_word":6353,"sentiment":"neutral","sentiment_score":0.24516241252422333},{"text":"Beautiful.","start_word":6354,"end_word":6354,"sentiment":"positive","sentiment_score":0.4659620523452759},{"text":"What I'll do is I'll get the team to go back and double check with Zurich to make sure it is applied correctly. If it's not, we'll get a form done up and sent out to you. Okay?","start_word":6355,"end_word":6392,"sentiment":"neutral","sentiment_score":0.17464743554592133},{"text":"Fantastic.","start_word":6393,"end_word":6393,"sentiment":"positive","sentiment_score":0.4089241027832031},{"text":"And do you guys have a valid will? Have you drawn up a will in the past at all? No. Nope. No. That's okay. Is it something No. you just talked about doing? It's not something we've discussed. I suppose it sounds a bit more, but it doesn't. It's really talking about when I'm No. Absolutely. It's something, unfortunately, I have to done. do on a very regular basis. But, essentially, with your your super and your life insurances, we have the beneficiary nominations applied. That way, you're protected if anything happens. Your super and your life cover is paid out to where you want it to go. Yes. But this sort of looking at all the assets that you do have outside of super, so your house, your contents, all your jewelry, your savings accounts, your investment property, your cars, all of those things. If something happened to you and or to both of you without having a will, it essentially has to go through what's called a probate process. And Oh. even though, yeah, even though in most states, everything goes directly to your husband, it doesn't always work that way. I have seen where where one spouse has passed away, and because it you passed away intestate, it goes through a process called probate. And that is essentially a legal process where anyone can come forward and stake a claim on what they think they're entitled to, and the courts actually make a decision. So a judge has to decide who's entitled to things. Normally, they just follow legislation normally where your spouse should inherit most things, like, you know, depending on how your house is, you know, purchased together, that would automatically go to him. However, if the judge sees that someone has staked the claim and they're entitled to that claim, I have seen it where, you know, other people have received money or parts of property or, you know, parts of I'm your estate where the person who passed away just didn't want that money to go in that direction.","start_word":6394,"end_word":6739,"sentiment":"neutral","sentiment_score":-0.07191698238081326},{"text":"They didn't want that person to on have my any company.","start_word":6740,"end_word":6750,"sentiment":"negative","sentiment_score":-0.4567761421203614},{"text":"part of it. So Yes.","start_word":6751,"end_word":6755,"sentiment":"neutral","sentiment_score":0.024072619155049324},{"text":"as much as you guys are together and I hope nothing happens, it is really important to maybe have that conversation, talk about having a will drawn up together and, you know, the importance Yep. of protecting all of your investments, all of your assets, everything you own and have worked so hard to build that is not super annual life insurance as well.","start_word":6756,"end_word":6819,"sentiment":"positive","sentiment_score":0.4022565484046936},{"text":"Does that make sense? Yes. It does. Yeah. Yeah. It's just one of those things that we do like to bring out and make sure that we are sort of just talking with you guys about because not everyone has one. A lot of people don't think about doing up a will, and a lot of people I speak to would just assume that everything goes to their spouse automatically. And whilst most legislation state that the spouse is the next one to receive most things, it it doesn't always work that way because it does have to go through the court system, and a judge decides who's entitled to property, how it should be paid out, and it's not always in in accordance with the person's wishes that's passed away, unfortunately. Oh, okay. So, Yep. yeah, so it is it's definitely something to have a chat about. If you like as part of that email, I can add a little bit of information and just give you, like, a brochure on one of the local solicitors. It's not a referral or anything. It's just a bit of a costing to start the conversation between you, but, like, this is how much it costs to do a will and a power of attorney, you know, what's important to us, what do we want to happen, things like that. Does that make sense? Yeah. Did you want Yes. me to do It that does. for you as Yeah. well? That'd be Yeah.","start_word":6820,"end_word":7070,"sentiment":"neutral","sentiment_score":-0.018780602580047694},{"text":"great. Thanks. Beautiful.","start_word":7071,"end_word":7073,"sentiment":"positive","sentiment_score":0.7354061007499695},{"text":"It's not something you wanna think about, but it's one of those things, isn't it? Yes. It is. Yeah. It's a very difficult conversation to have, but it's definitely one of the most important conversations to have with our families. So Yes. yeah. No.","start_word":7074,"end_word":7117,"sentiment":"neutral","sentiment_score":0.1855403631925583},{"text":"Perfect.","start_word":7118,"end_word":7118,"sentiment":"positive","sentiment_score":0.45611634850502014},{"text":"Oh, I will pop that in the email for you as well just so you've got a bit of context around those things. And then, Joe, you'll also have my email. So if you wanna reply back with any additional questions, you're welcome to. I will answer them. If you need to talk about anything in further detail, let me know. I'll book you in, and we can go through a time to discuss whatever it is that you possibly need. Okay? Okay.","start_word":7119,"end_word":7201,"sentiment":"neutral","sentiment_score":0.23299042880535129},{"text":"Thank you very much.","start_word":7202,"end_word":7205,"sentiment":"positive","sentiment_score":0.552022397518158},{"text":"That's okay. Not a problem at all. Now attach that email as you kinda noted before, we did also have the ongoing service agreement. So having us as your financial advisers looking after your super, we do charge the ongoing service fee. Because yourself and your husband are both clients with us, your ongoing fee you pay is 1.1%, so it is reduced from our normal fee. I will. That that document sorry. That's gonna ask you to sign. It's just confirming you're happy to remain as a client and allowing us to continue charging that fee for the next twelve months. And I will, for the time being, go back and update the advice for you and look at just replacing some of those investments for you as well, keeping you with that growth portfolio. Are you comfortable at the moment whilst you're looking at the insurances? If anything comes back and you decide you wanna reevaluate insurances, let me know. We can have a really in-depth conversation, and I can always include that in that advice piece for you. But for the time being, it'll just be around the investment side of things. Is that okay? Yes.","start_word":7206,"end_word":7404,"sentiment":"neutral","sentiment_score":0.18113933503627777},{"text":"That's fine. Thank you. Beautiful.","start_word":7405,"end_word":7409,"sentiment":"positive","sentiment_score":0.5193645358085632},{"text":"I know I clobbered a lot today, but is there anything that you think I might have missed or anything that you wanted me to sort of bring up or chat to you about other than anything we have gone through at the moment? Sorry. No. No.","start_word":7410,"end_word":7456,"sentiment":"neutral","sentiment_score":-0.04668954387307167},{"text":"Everything's great. Thank you. That's okay. Perfect.","start_word":7457,"end_word":7463,"sentiment":"positive","sentiment_score":0.5480970144271851},{"text":"Well, what I'll do is I will let you go. I'll follow-up with that email that just sort of goes through those bits and pieces, and you're welcome to email me back anything additional that you might have. Yes. Okay? Yep.","start_word":7464,"end_word":7504,"sentiment":"neutral","sentiment_score":0.20530126988887787},{"text":"Excellent. Thank you very much. Oh, my pleasure, Joe. Thank you so much for your time. You have a good afternoon. A rest for one too. Thank you very much. Thanks for your time. We'll talk to you soon. See you later.","start_word":7505,"end_word":7546,"sentiment":"positive","sentiment_score":0.6828854084014893},{"text":"Bye bye.","start_word":7547,"end_word":7548,"sentiment":"neutral","sentiment_score":0.2063929587602615},{"text":"Thanks.","start_word":7549,"end_word":7549,"sentiment":"positive","sentiment_score":0.46949446201324463},{"text":"Bye. Bye.","start_word":7550,"end_word":7551,"sentiment":"neutral","sentiment_score":0.21085625886917111}],"average":{"sentiment":"neutral","sentiment_score":0.05841406161365781}}}}