{"metadata":{"transaction_key":"deprecated","request_id":"019fac44-15c4-7ee0-8e7b-a2f8a66a902c","sha256":"e8555389aa12fd93157aa1632a8558dcfe65ce892e1a379ddef2ded992968d20","created":"2026-07-29T05:06:14.387Z","duration":1726.344,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":7040,"output_tokens":88},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7706,"output_tokens":7721},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":7706,"output_tokens":706}},"results":{"channels":[{"alternatives":[{"transcript":"Hi. Good afternoon, Miriam. Thank you so much for calling back. How are you today? Oh, I'm so sorry. Is that a little bit better? Oh, I've got the headset as close as possible to my mouth, but is that getting any better at all? Very faint. No. That's okay. Not a problem at all. Look. I did have you booked in to go through your annual review. Can you hear me enough to kinda go through that today? Yep. Beautiful. I've sort of pushed my headset as close as I possibly can. I do apologize. The phone system's a little bit quiet. That's all. If you do need me to repeat anything, please let me know. Okay. All good. Excellent. How's your day been so far? Okay. Oh, fantastic. Well, I was trying to take up too much of your time. We'll run through things as quickly as possible. I have sent you through a copy of the annual review documents to your email there. Are you able to access and open that up? If you can't, that's honestly okay. That's okay. Not a problem. Yeah. You're right. Fantastic. So when you open the email there, on the bottom, if you just scroll down, you'll see a couple of attachments there. The first one will I think it's a couple down. There should be the summary of superannuation and insurances. Can you see that link there? Yep. Beautiful. So if you open up that one, it gives you an updated of your balance there. So just kinda referring back to your last lender review, the balance I have noted is about 117,553. Your balance as of the July 27 is sitting at a 143,091 and 47¢ there. So we have seen a bit a really good increase over the last year and a bit of, obviously, your balance there. It's really I had a bit of a look at your individual investments. We actually sent you a record of advice and updated email a few months back about March. Do you remember receiving that email there? That's okay. You that's absolutely fine. We had sort of noted back that this year, there's obviously been quite a lot going on between The US and Iran war. And in Australia, we've also had high inflationary rates, and that does affect fixed interest as well. So the markets have been a very up and down this year. We sort of have been looking at the portfolios and looking at what we're you know, how they're all sort of working. Most things are doing quite well, but we have sort of noted around about March, there was an investment that was underperforming a bit within your portfolio. You had the Benelung Australian Equities. Now to give you a little bit of a breakdown, the Benelon Australian Equities Fund is an actively managed fund. The fund manager inside that is trying to pick and time the market. They're trying to outperform against the benchmark or the market as a whole. They have not been able to do so. So, essentially, up until about March this year, your portfolio was down under about 1%, and it was all because of what was happening with Bannalong. Normally, when we sort of look at the markets as a whole, we understand there are up and down years, and this year has been very volatile. But most of your investments have been performing very, very well. So we did take the step in March to remove that investment from your portfolio and from all of our portfolios. And that's essentially what that email was about. Yeah. Yeah. We've actually replaced it with something a little bit cheaper and much better. So inside that Ben along Australian equities, that that manager generally holds about 15 to 25 different Australian companies there. What we've actually replaced it with is the BetaShares a 200. This is actually giving you exposures to the top 200 companies on the ASX. It is more of a passively managed fund, so it's tracking the top 200 companies by market capitalization on the ASX there. It's giving you broader diversification for helping to lower the overall risk of your portfolio. And it's also a cheaper investment, which is important as well because less money going into fees for investments means more money stays in your super compounding forward there for you. Okay? Excellent. So that change did happen. So since that change has occurred, obviously, your portfolio has had a little bit of a time to recover there, and you're up about 4.13% since we made that change. So while things were down a little bit to begin with, after making that change, we have seen a bit of a turnaround and some recovery in your portfolio. And I'd like to just sort of monitor that over the next, you know, three to six months to sort of see how that goes. And if it doesn't sort of pick up or we don't see any greater recovery point or, you know, if we don't keep seeing the growth, then I'd like to make some changes to your portfolio. But are you comfortable if I just monitor that moving forward for another few months? Yeah? Excellent. Would you prefer a catch up maybe in three or six months to sort of look at how things are tracking for you? Yeah. Yeah. Yeah. Yeah. Absolutely. Not a problem. We just yeah. Absolutely. Six months would be really great. There are very minimal changes that do occur in a three month period. But at the same time, if it's more if you it's what if it's what you wanna see, I'll make it happen. Six months would be much better. I'm we're organizing all the catch ups because it comes into December. This sorta happened early December for everyone, so we can kinda get look at how things are tracking, look at whether things need to change just before we all go on that Christmas break. So it kind of makes it a little bit easier for everyone. So I'll put that in for six months there for you. I will do a little bit of a three month check-in just to see how things are going with your super fund if you like. If there's any need with concern, I can even just send you an email at three months to say, hey. I've had a look at things. Things are tracking really well. If you're comfortable, we'll stay on track for a six month catch up. Would you like that? Yeah. Yep. Beautiful. Fantastic. Excellent. So happy with the way things are tracking, and I'm glad we were able to get rid of that investment. And I wanna make sure things do stay on track there for you. So fantastic. Do you have any questions? I'm sorry. I set a lot of information up, but do you have any questions for me? You're welcome to ask me anything you like. Yeah. That's okay. Yeah. Yeah. Fantastic. Not a problem at all. On the bottom of that super insurance summary there, you do have your insurances as well. So it essentially gives you an update of what your sum insured is for your life and TBD. So you do just have life cover and total permanent disability cover. You don't have any income protection or trauma or any other type of insurances. Looking at the level of cover you've got there, the sum insured is up to 935,148. Do you feel like that cover's sufficient for where you're at for what you would wanna be covered for, or did you wanna sort of look at reevaluating that at all? Yeah. That's okay. Has anyone ever kind of brought up income protection or trauma or any other types of insurances that you can also apply for to provide additional cover? No. That's okay. So income protection does provide a monthly benefit. You can, at the moment, cover yourself up to 70% of your income, pre disability income. It is same as life and CBD can be paid out of your super fund. It is a much more does increase, obviously, the cost of your insurances as well. Did you wanna look at maybe getting some income protection, or are you fairly comfortable with what you've got sort of to fall back on if you're not able to work in the short term? That's okay. Beautiful. And trauma is an out of pocket cost, trauma. And you can also get child trauma as well to cover minor children, but it pays at a lump sum tax rate benefit in the event that you're diagnosed with a major condition. Probably one of the biggest ones that people claim on is definitely cancer, but also heart attacks and strokes and certain things like that. It can be a pretty cheap cost, but it is out of pocket. And I know with the cost of living at the moment, it can be a bit tight for people. But did you wanna look at getting anything like that? Are you comfortable with just not worrying about it? Yep. That's that's okay. Not a problem. If you ever did wanna sort of look at it, please let me know. With the life cover you have at the moment, basically, if you were to pass away today, the $9.35 $1.48 is paid out to your beneficiaries there. But then your super benefit is paid out on top of that as well. So you do have about a 143 in there to cover the additional. With TBD, if you were to be unable to go back to work permanently, this the life sorry. The TBD benefit of $9.35 can be paid out, but then we can also access your super for the $1.43 on top of that as well. They do allow us to access that. One of the biggest things I do kind of like to bring up and make sure clients are aware is that if you claim TBD and you are under the age of 60, if you then take the funds out as a lump sum, unfortunately, it is a taxable payment. It is something I wholeheartedly disagree on, but tax is deducted up to 22%. It could be less. It's there's a big equation that kind of factors into how that is deducted, but just so you are fully aware. But I like to sort of point out that if you did have to claim on TBD, we would help you with the claim, and then we'd provide financial advice on how to use the funds in the most tax effective way for you, but also so it lasts you as long as possible as well. Okay. Yep. Excellent. The premium you have paid for that one for the year is showing $3,999.05. Essentially, these premiums do get more and more expensive as you get older, so I just wanna keep reviewing these with you to make sure the level of cover is appropriate, but that is not eating away all of your super as well because the premiums are paid out of super. Okay? Yeah. No. At the moment, it's very minimal cost. Unfortunately, I have sort of seen people where they get, you know, around the 60 market and insurance premiums become absolutely phenomenal. And if you're not getting the growth out of your super to kind of, you know, help with that, cover it, basically, it does have quite a big effect on you. So we'll just keep reviewing that, making sure you're comfortable with the level and the premiums. You're alright. Sorry. Well, it depends on what your needs are as well. So it's about looking at what you would wanna cover. So if you were to pass away today or if you were unable to go back to work again today and you had to claim on the amount there, what is it you're wanting to cover? What are you actually wanting your life to to pay down? Who are you wanting it to be paid to? In the event of TPD, it's about factoring in how much you might be likely to obtain and how long that might last based on your current income estimate there. So generally speaking, when we turn 60, we normally don't sort of need any more insurances. A lot of people tend to cancel them at the age of 60 because if you're not able to work yeah. No. Absolutely. Yeah. Yeah. Definitely. You can have life cover beyond that. The only sort of reason most people I speak to wanna keep life cover beyond the age of 60 is if they still have a mortgage, and their super balance doesn't quite cover that. But we can always look to reduce the cover down if you feel like it's getting more expensive and too much because these premiums, the some insured also increases over time as well. So you'll pay more, but the amount you're covered for also increase each year. Okay. Yeah. Excellent. Fantastic. I'll just go through and do a really quick update of your circumstances just to see what sort of changes have occurred. I have your income at about 73,000 as of the last check-in. Have you received a bit of a pay rise since then at all? No? All good. And, sorry, just double checking. Your home, we had that valued at about 1,300,000 last time. Would you increase or alter the value on that currently at all? Yep. Yes. That's okay. Not a problem at all. I can also have a look around at the rough valuation of the property based on the address if you like and just sort of update it to reflect the current valuation statistics. Yeah. Fantastic. Mortgage on the property, we had about 309,000. Would you reduce that at all, or have you been able to reduce that? Sorry. Yep. Yep. That's okay. Just sort of ballpark, would you say it's below the $300,000 mark now or just slightly higher? That's okay. Not a problem. It's a bit difficult with the ups and downs we're seeing with all the interest rates and yeah. I had your car value noted at about 5,000 at the moment. What sort of car do you drive? Yep. Yep. What sort of value would it be to do? Yes. Fantastic. Excellent. And then we also had a credit card noted down here with a limit of about 2,500. Would that be accurate? Yep. Beautiful. Fantastic. I've got it just says it says limit of 2,500. Would that just be the outstanding, or is that the limit? Yep. Beautiful. Fantastic. Do you have any other, like, shares, cryptocurrency, anything else of value, or any other cars, boats, or caravans, you'd note down. No. That's okay. Another thing I do like to consider as an asset, because it realistically is, is your contents. We all sort of insure our contents on a regular basis. Do you know do you have content insurance at all? No. That's okay. You wouldn't sort of put much value in your contents? No. That's okay. That's absolutely fine. I looking at your contributions going in, you're not making any additional sort of salary sacrifice contributions at the moment. Are you sort of wanting to look at doing that down the track if it helps boost your super? Or Yeah. Yep. That's okay. So salary sacrifice contributions are additional pretax contributions into super. Essentially, if there's an amount you're comfortable with, you just let your employer know, or we can provide personal advice on how that looks for you and how it affects your super. Essentially, it's a pretax contribution. So the same as with your employer contributions, your employer would take that out before they calculate your income tax payable. So it helps to reduce the amount of income tax you pay on your earnings, which is not a bad thing. It does, however, also reduce your take home pay slightly as well. So depending on sort of what your goals are, some of my clients do prefer just to focus on the mortgage to start with, try and reduce that as quickly as possible, then consider salary sacrifice where the others have a little bit extra expendable income and are comfortable starting with a smaller amount. Is there something you'd like to do down the track or now or just thinking yeah. Okay. Yeah. Yes. Yeah. Absolutely. Mhmm. Yes. So depending on how long you've owned your property for, depending on what you're wanting to do and what your goals are, there are are you sort of talking more around the downsize or contribution and and boosting super that way, or is it more about the selling of the property? Mhmm. Leftover? Yeah. Yeah. Absolutely. Yeah. Absolutely. So we can. So when and if you do happen to sell the property, do let us know. We'll have a look at what you what your goals are. There are additional contributions that you can make to to super, which is called a sizer contribution. They allow up to a certain amount. That amount can change depending on what year you happen to put the funds in, but it does provide a great boost to your super. The downside is you're putting money in that you can't access out. There are stipulations and regulations around owning the property, but it sounds like you've, you know, met that from what I can see on your file here. But, yeah, wondering if you do sell the property, feel free to have that conversation with me. I can provide advice on whether we put it in the super or we, you know, utilize the funds elsewhere in terms of deposits or invest the money outside of super to to fit your goals. We can absolutely help with that area. Yeah. Definitely. Yep. Fantastic. Did you want me to sort of look at maybe having that catch up with you in six months when we do a catch up to talk more about the salary sacrifice side of things? Or yep. Six months. Beautiful. And I'll just yeah. Sorry. Mhmm. Yep. Absolutely. Yeah. Yeah. Definitely. Absolutely. Yeah. No. And and it does work that way. So when you think about the salary sacrifice, being as it's a pretax deduction from your income based on your measured tax rate instead of paying 30% tax on that amount of money, Inside super, you only paid well, your super fund only pays 15% tax. So it does actually mean that you don't have to you don't lose as much if you put $50 into your super fund. You're not actually losing the whole $50 from your expendable income because of the tax differences there. So, yeah, when you are ready, we can definitely talk about what the options are, what amounts you're comfortable with. We can provide personal advice on how it looks for you both inside and outside super, how it benefits your goals and your super fund, and also the advantages, disadvantages, and the risks involved of doing of doing those extra contributions as well. Okay? That's great, mate. Yeah. Yeah. Perfect. I'll make a note here that when we do the catch up, we'll revisit that for you. Over the next sort of few months, if you've got some time you wanna sort of, you know, revisit your expendable side of things, how much you may be comfortable starting with, if you wanna maybe look at a certain amount that benefits your goals, or whether there's a small amount you'd like to start with to sort of see what it does to your income. That way, when we sort of touch base, we can, you know, talk it through. We can be advised to reflect what you're comfortable with. Excellent. Fantastic. No worries at all. The last thing I needed to run through with you is just a bit of a risk profile just to make sure you were invested correctly in your super at the moment. When you kind of consider the the risk factor, you're in that growth environment at the moment. So you see that 80% of your super invested in growth assets, so Australian international shares, listed property, and commodities there. When we look at that as a risk level out of about five, you're sitting at about a three. So you're on a more of a medium risk level trying to obtain the greatest possible returns that you can. Do you feel like you are comfortable sitting that medium range, or do you feel like you would wanna take on a bit more risk in the market to try and get greater potential returns? How do you sort of see yourself? Yep. Yes. Yeah. That's right. Yeah. Yep. Yep. Absolutely. Absolutely. No. Perfect. It does seem like sitting that middle sort of area does suit where you're at because you are getting closer to and understanding that with your husband not having super, essentially, this is what you guys need to live on for retirement. So it's kind of the pressure's definitely there. I understand that. Yeah. Absolutely. If you sort of saw the market fall by 20% over the next, say, six to twelve months, because we know markets do go up and down and there are years of negative returns, how do you think you might be feeling? Do you think you might be very concerned, maybe calling us and finding out what we can do and what advice to provide and help? Do you think you'd be maybe wanting to put more money in? How do you think you might fit in that scenario? Yeah. Yeah. Yep. Yep. Yep. Maybe call us and see seek some assistance. Yep. Yep. No. That's okay. That's completely understandable. And the last one here is have you ever seen your super falling value in the past? Yep. Yep. That's okay. Okay. And yep. Yep. Beautiful. I'll just mark that off. It does sound like if you saw the, you know, the super falling pretty drastically in the near future, you'd be quite concerned, a bit cautious about moving forward. Does that sound accurate? Yep. Fantastic. You definitely have scored in that growth environment with regard to your risk profile, and that's why we have you at the moment. That growth sort of environment does suit someone who has at least six years before accessing their super, so you do fit within that at the moment. I just also wanted to double check with your age to access with where you are. Are you hoping to sorta access around a a 60, 65 mark, or do you think you'd be wanting to or having to work longer? No? Yep. 60 marks. Yep. Yep. That's okay. All good. And having a look at things. Yeah. Yep. Absolutely. Oh, absolute. Yeah. Absolute absolutely. And looking at things, now you're 55 in December there as well, you? Yeah. No. It's completely natural. Most people, when they sort of hit the late forties, early fifties, they really start to consider the fact they've worked a long time. They've had a lifetime of work. Things are changing. How much is my super gonna last? What's gonna happen? And longevity becomes a real concern for most people. So you're in that age group there. So I'll make sure that we do sort of look at what we can do moving forward and and boost your super as much as possible. Okay. Excellent. Excellent. It sounds like you're in that right environment for the moment. Well, in six months, when we do a bit of a catch up, I'll have a look at where you are, what's been happening. We'll look at the advice and additional contributions and how else we can help things. There are some other great strategies that we can also put into place. If at 60 you decide to continue working longer, there are some other strategies from 60 onwards that we can put into place, and one of them is called the transitionary time strategy where we can increase contributions up to the cap as much as possible and then also draw a little bit out of the super as well. And because of the tax side of things, you actually draw less than what you're putting in. So it keeps your income about the exact you know, the same as what your take home pay is now. It increases contributions and then can provide a last, you know, a last little boost to super over the last few years there as well. So we can revisit those around 60 and see how you're tracking them as well. Excellent. All good. All of those documents that I've gone through are in that annual review package attached there for you. You've also got the ongoing service agreement, which if you're comfortable, we would get you to sign a return back. It just states you do pay a 1.65% annual fee to us. We deduct that on a monthly basis out of your super in smaller monthly provide the services and keep looking after your super and updating advice working towards your retirement goals there for you. Okay. Do you have any questions, Miriam? I'm sorry. I go go through a lot in a short period of time. Do you see any questions that maybe have come up in any of this? That's okay. No problem at all. Well, what I'll do is I'll monitor things for now. I will have a look and make sure I do a quick email in three months' time just to give you an update on how things are tracking. If I feel at that point we need to maybe touch base and reevaluate the advice, then I'll make sure we do so. And then in six months at Christmas time, we'll do just a final catch up, reassess the portfolio, the advice, and look at contributions moving forward for you for the last couple of years there. Okay. Excellent. If anything in the meantime comes up, please do let me know. If you're interested, I'm not sure if we've spoken much before, but my details as a licensed adviser are in the financial services guide, which is also attached to that email for you there as well. Okay? Lovely. Well, I was taking up much more of your time than I needed to, but you have a lovely day. And I thank you so much for calling back and taking my call. I really do appreciate it. That's okay. Talk to you soon. Thanks so much. 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Good afternoon, Miriam. Thank you so much for calling back. How are you today? Oh, I'm so sorry.\n\nIs that a little bit better? Oh, I've got the headset as close as possible to my mouth, but is that getting any better at all? Very faint. No. That's okay.\n\nNot a problem at all. Look. I did have you booked in to go through your annual review. Can you hear me enough to kinda go through that today? Yep.\n\nBeautiful. I've sort of pushed my headset as close as I possibly can. I do apologize. The phone system's a little bit quiet. That's all.\n\nIf you do need me to repeat anything, please let me know. Okay. All good. Excellent. How's your day been so far?\n\nOkay. Oh, fantastic. Well, I was trying to take up too much of your time. We'll run through things as quickly as possible. I have sent you through a copy of the annual review documents to your email there.\n\nAre you able to access and open that up? If you can't, that's honestly okay. That's okay. Not a problem. Yeah.\n\nYou're right. Fantastic. So when you open the email there, on the bottom, if you just scroll down, you'll see a couple of attachments there. The first one will I think it's a couple down. There should be the summary of superannuation and insurances.\n\nCan you see that link there? Yep. Beautiful. So if you open up that one, it gives you an updated of your balance there. So just kinda referring back to your last lender review, the balance I have noted is about 117,553.\n\nYour balance as of the July 27 is sitting at a 143,091 and 47¢ there. So we have seen a bit a really good increase over the last year and a bit of, obviously, your balance there. It's really I had a bit of a look at your individual investments. We actually sent you a record of advice and updated email a few months back about March. Do you remember receiving that email there?\n\nThat's okay. You that's absolutely fine. We had sort of noted back that this year, there's obviously been quite a lot going on between The US and Iran war. And in Australia, we've also had high inflationary rates, and that does affect fixed interest as well. So the markets have been a very up and down this year.\n\nWe sort of have been looking at the portfolios and looking at what we're you know, how they're all sort of working. Most things are doing quite well, but we have sort of noted around about March, there was an investment that was underperforming a bit within your portfolio. You had the Benelung Australian Equities. Now to give you a little bit of a breakdown, the Benelon Australian Equities Fund is an actively managed fund. The fund manager inside that is trying to pick and time the market.\n\nThey're trying to outperform against the benchmark or the market as a whole. They have not been able to do so. So, essentially, up until about March this year, your portfolio was down under about 1%, and it was all because of what was happening with Bannalong. Normally, when we sort of look at the markets as a whole, we understand there are up and down years, and this year has been very volatile. But most of your investments have been performing very, very well.\n\nSo we did take the step in March to remove that investment from your portfolio and from all of our portfolios. And that's essentially what that email was about. Yeah. Yeah. We've actually replaced it with something a little bit cheaper and much better.\n\nSo inside that Ben along Australian equities, that that manager generally holds about 15 to 25 different Australian companies there. What we've actually replaced it with is the BetaShares a 200. This is actually giving you exposures to the top 200 companies on the ASX. It is more of a passively managed fund, so it's tracking the top 200 companies by market capitalization on the ASX there. It's giving you broader diversification for helping to lower the overall risk of your portfolio.\n\nAnd it's also a cheaper investment, which is important as well because less money going into fees for investments means more money stays in your super compounding forward there for you. Okay? Excellent. So that change did happen. So since that change has occurred, obviously, your portfolio has had a little bit of a time to recover there, and you're up about 4.13% since we made that change.\n\nSo while things were down a little bit to begin with, after making that change, we have seen a bit of a turnaround and some recovery in your portfolio. And I'd like to just sort of monitor that over the next, you know, three to six months to sort of see how that goes. And if it doesn't sort of pick up or we don't see any greater recovery point or, you know, if we don't keep seeing the growth, then I'd like to make some changes to your portfolio. But are you comfortable if I just monitor that moving forward for another few months? Yeah?\n\nExcellent. Would you prefer a catch up maybe in three or six months to sort of look at how things are tracking for you? Yeah. Yeah. Yeah.\n\nYeah. Absolutely. Not a problem. We just yeah. Absolutely.\n\nSix months would be really great. There are very minimal changes that do occur in a three month period. But at the same time, if it's more if you it's what if it's what you wanna see, I'll make it happen. Six months would be much better. I'm we're organizing all the catch ups because it comes into December.\n\nThis sorta happened early December for everyone, so we can kinda get look at how things are tracking, look at whether things need to change just before we all go on that Christmas break. So it kind of makes it a little bit easier for everyone. So I'll put that in for six months there for you. I will do a little bit of a three month check-in just to see how things are going with your super fund if you like. If there's any need with concern, I can even just send you an email at three months to say, hey.\n\nI've had a look at things. Things are tracking really well. If you're comfortable, we'll stay on track for a six month catch up. Would you like that? Yeah.\n\nYep. Beautiful. Fantastic. Excellent. So happy with the way things are tracking, and I'm glad we were able to get rid of that investment.\n\nAnd I wanna make sure things do stay on track there for you. So fantastic. Do you have any questions? I'm sorry. I set a lot of information up, but do you have any questions for me?\n\nYou're welcome to ask me anything you like. Yeah. That's okay. Yeah. Yeah.\n\nFantastic. Not a problem at all. On the bottom of that super insurance summary there, you do have your insurances as well. So it essentially gives you an update of what your sum insured is for your life and TBD. So you do just have life cover and total permanent disability cover.\n\nYou don't have any income protection or trauma or any other type of insurances. Looking at the level of cover you've got there, the sum insured is up to 935,148. Do you feel like that cover's sufficient for where you're at for what you would wanna be covered for, or did you wanna sort of look at reevaluating that at all? Yeah. That's okay.\n\nHas anyone ever kind of brought up income protection or trauma or any other types of insurances that you can also apply for to provide additional cover? No. That's okay. So income protection does provide a monthly benefit. You can, at the moment, cover yourself up to 70% of your income, pre disability income.\n\nIt is same as life and CBD can be paid out of your super fund. It is a much more does increase, obviously, the cost of your insurances as well. Did you wanna look at maybe getting some income protection, or are you fairly comfortable with what you've got sort of to fall back on if you're not able to work in the short term? That's okay. Beautiful.\n\nAnd trauma is an out of pocket cost, trauma. And you can also get child trauma as well to cover minor children, but it pays at a lump sum tax rate benefit in the event that you're diagnosed with a major condition. Probably one of the biggest ones that people claim on is definitely cancer, but also heart attacks and strokes and certain things like that. It can be a pretty cheap cost, but it is out of pocket. And I know with the cost of living at the moment, it can be a bit tight for people.\n\nBut did you wanna look at getting anything like that? Are you comfortable with just not worrying about it? Yep. That's that's okay. Not a problem.\n\nIf you ever did wanna sort of look at it, please let me know. With the life cover you have at the moment, basically, if you were to pass away today, the $9.35 $1.48 is paid out to your beneficiaries there. But then your super benefit is paid out on top of that as well. So you do have about a 143 in there to cover the additional. With TBD, if you were to be unable to go back to work permanently, this the life sorry.\n\nThe TBD benefit of $9.35 can be paid out, but then we can also access your super for the $1.43 on top of that as well. They do allow us to access that. One of the biggest things I do kind of like to bring up and make sure clients are aware is that if you claim TBD and you are under the age of 60, if you then take the funds out as a lump sum, unfortunately, it is a taxable payment. It is something I wholeheartedly disagree on, but tax is deducted up to 22%. It could be less.\n\nIt's there's a big equation that kind of factors into how that is deducted, but just so you are fully aware. But I like to sort of point out that if you did have to claim on TBD, we would help you with the claim, and then we'd provide financial advice on how to use the funds in the most tax effective way for you, but also so it lasts you as long as possible as well. Okay. Yep. Excellent.\n\nThe premium you have paid for that one for the year is showing $3,999.05. Essentially, these premiums do get more and more expensive as you get older, so I just wanna keep reviewing these with you to make sure the level of cover is appropriate, but that is not eating away all of your super as well because the premiums are paid out of super. Okay? Yeah. No.\n\nAt the moment, it's very minimal cost. Unfortunately, I have sort of seen people where they get, you know, around the 60 market and insurance premiums become absolutely phenomenal. And if you're not getting the growth out of your super to kind of, you know, help with that, cover it, basically, it does have quite a big effect on you. So we'll just keep reviewing that, making sure you're comfortable with the level and the premiums. You're alright.\n\nSorry. Well, it depends on what your needs are as well. So it's about looking at what you would wanna cover. So if you were to pass away today or if you were unable to go back to work again today and you had to claim on the amount there, what is it you're wanting to cover? What are you actually wanting your life to to pay down?\n\nWho are you wanting it to be paid to? In the event of TPD, it's about factoring in how much you might be likely to obtain and how long that might last based on your current income estimate there. So generally speaking, when we turn 60, we normally don't sort of need any more insurances. A lot of people tend to cancel them at the age of 60 because if you're not able to work yeah. No.\n\nAbsolutely. Yeah. Yeah. Definitely. You can have life cover beyond that.\n\nThe only sort of reason most people I speak to wanna keep life cover beyond the age of 60 is if they still have a mortgage, and their super balance doesn't quite cover that. But we can always look to reduce the cover down if you feel like it's getting more expensive and too much because these premiums, the some insured also increases over time as well. So you'll pay more, but the amount you're covered for also increase each year. Okay. Yeah.\n\nExcellent. Fantastic. I'll just go through and do a really quick update of your circumstances just to see what sort of changes have occurred. I have your income at about 73,000 as of the last check-in. Have you received a bit of a pay rise since then at all?\n\nNo? All good. And, sorry, just double checking. Your home, we had that valued at about 1,300,000 last time. Would you increase or alter the value on that currently at all?\n\nYep. Yes. That's okay. Not a problem at all. I can also have a look around at the rough valuation of the property based on the address if you like and just sort of update it to reflect the current valuation statistics.\n\nYeah. Fantastic. Mortgage on the property, we had about 309,000. Would you reduce that at all, or have you been able to reduce that? Sorry.\n\nYep. Yep. That's okay. Just sort of ballpark, would you say it's below the $300,000 mark now or just slightly higher? That's okay.\n\nNot a problem. It's a bit difficult with the ups and downs we're seeing with all the interest rates and yeah. I had your car value noted at about 5,000 at the moment. What sort of car do you drive? Yep.\n\nYep. What sort of value would it be to do? Yes. Fantastic. Excellent.\n\nAnd then we also had a credit card noted down here with a limit of about 2,500. Would that be accurate? Yep. Beautiful. Fantastic.\n\nI've got it just says it says limit of 2,500. Would that just be the outstanding, or is that the limit? Yep. Beautiful. Fantastic.\n\nDo you have any other, like, shares, cryptocurrency, anything else of value, or any other cars, boats, or caravans, you'd note down. No. That's okay. Another thing I do like to consider as an asset, because it realistically is, is your contents. We all sort of insure our contents on a regular basis.\n\nDo you know do you have content insurance at all? No. That's okay. You wouldn't sort of put much value in your contents? No.\n\nThat's okay. That's absolutely fine. I looking at your contributions going in, you're not making any additional sort of salary sacrifice contributions at the moment. Are you sort of wanting to look at doing that down the track if it helps boost your super? Or Yeah.\n\nYep. That's okay. So salary sacrifice contributions are additional pretax contributions into super. Essentially, if there's an amount you're comfortable with, you just let your employer know, or we can provide personal advice on how that looks for you and how it affects your super. Essentially, it's a pretax contribution.\n\nSo the same as with your employer contributions, your employer would take that out before they calculate your income tax payable. So it helps to reduce the amount of income tax you pay on your earnings, which is not a bad thing. It does, however, also reduce your take home pay slightly as well. So depending on sort of what your goals are, some of my clients do prefer just to focus on the mortgage to start with, try and reduce that as quickly as possible, then consider salary sacrifice where the others have a little bit extra expendable income and are comfortable starting with a smaller amount. Is there something you'd like to do down the track or now or just thinking yeah.\n\nOkay. Yeah. Yes. Yeah. Absolutely.\n\nMhmm. Yes. So depending on how long you've owned your property for, depending on what you're wanting to do and what your goals are, there are are you sort of talking more around the downsize or contribution and and boosting super that way, or is it more about the selling of the property? Mhmm. Leftover?\n\nYeah. Yeah. Absolutely. Yeah. Absolutely.\n\nSo we can. So when and if you do happen to sell the property, do let us know. We'll have a look at what you what your goals are. There are additional contributions that you can make to to super, which is called a sizer contribution. They allow up to a certain amount.\n\nThat amount can change depending on what year you happen to put the funds in, but it does provide a great boost to your super. The downside is you're putting money in that you can't access out. There are stipulations and regulations around owning the property, but it sounds like you've, you know, met that from what I can see on your file here. But, yeah, wondering if you do sell the property, feel free to have that conversation with me. I can provide advice on whether we put it in the super or we, you know, utilize the funds elsewhere in terms of deposits or invest the money outside of super to to fit your goals.\n\nWe can absolutely help with that area. Yeah. Definitely. Yep. Fantastic.\n\nDid you want me to sort of look at maybe having that catch up with you in six months when we do a catch up to talk more about the salary sacrifice side of things? Or yep. Six months. Beautiful. And I'll just yeah.\n\nSorry. Mhmm. Yep. Absolutely. Yeah.\n\nYeah. Definitely. Absolutely. Yeah. No.\n\nAnd and it does work that way. So when you think about the salary sacrifice, being as it's a pretax deduction from your income based on your measured tax rate instead of paying 30% tax on that amount of money, Inside super, you only paid well, your super fund only pays 15% tax. So it does actually mean that you don't have to you don't lose as much if you put $50 into your super fund. You're not actually losing the whole $50 from your expendable income because of the tax differences there. So, yeah, when you are ready, we can definitely talk about what the options are, what amounts you're comfortable with.\n\nWe can provide personal advice on how it looks for you both inside and outside super, how it benefits your goals and your super fund, and also the advantages, disadvantages, and the risks involved of doing of doing those extra contributions as well. Okay? That's great, mate. Yeah. Yeah.\n\nPerfect. I'll make a note here that when we do the catch up, we'll revisit that for you. Over the next sort of few months, if you've got some time you wanna sort of, you know, revisit your expendable side of things, how much you may be comfortable starting with, if you wanna maybe look at a certain amount that benefits your goals, or whether there's a small amount you'd like to start with to sort of see what it does to your income. That way, when we sort of touch base, we can, you know, talk it through. We can be advised to reflect what you're comfortable with.\n\nExcellent. Fantastic. No worries at all. The last thing I needed to run through with you is just a bit of a risk profile just to make sure you were invested correctly in your super at the moment. When you kind of consider the the risk factor, you're in that growth environment at the moment.\n\nSo you see that 80% of your super invested in growth assets, so Australian international shares, listed property, and commodities there. When we look at that as a risk level out of about five, you're sitting at about a three. So you're on a more of a medium risk level trying to obtain the greatest possible returns that you can. Do you feel like you are comfortable sitting that medium range, or do you feel like you would wanna take on a bit more risk in the market to try and get greater potential returns? How do you sort of see yourself?\n\nYep. Yes. Yeah. That's right. Yeah.\n\nYep. Yep. Absolutely. Absolutely. No.\n\nPerfect. It does seem like sitting that middle sort of area does suit where you're at because you are getting closer to and understanding that with your husband not having super, essentially, this is what you guys need to live on for retirement. So it's kind of the pressure's definitely there. I understand that. Yeah.\n\nAbsolutely. If you sort of saw the market fall by 20% over the next, say, six to twelve months, because we know markets do go up and down and there are years of negative returns, how do you think you might be feeling? Do you think you might be very concerned, maybe calling us and finding out what we can do and what advice to provide and help? Do you think you'd be maybe wanting to put more money in? How do you think you might fit in that scenario?\n\nYeah. Yeah. Yep. Yep. Yep.\n\nMaybe call us and see seek some assistance. Yep. Yep. No. That's okay.\n\nThat's completely understandable. And the last one here is have you ever seen your super falling value in the past? Yep. Yep. That's okay.\n\nOkay. And yep. Yep. Beautiful. I'll just mark that off.\n\nIt does sound like if you saw the, you know, the super falling pretty drastically in the near future, you'd be quite concerned, a bit cautious about moving forward. Does that sound accurate? Yep. Fantastic. You definitely have scored in that growth environment with regard to your risk profile, and that's why we have you at the moment.\n\nThat growth sort of environment does suit someone who has at least six years before accessing their super, so you do fit within that at the moment. I just also wanted to double check with your age to access with where you are. Are you hoping to sorta access around a a 60, 65 mark, or do you think you'd be wanting to or having to work longer? No? Yep.\n\n60 marks. Yep. Yep. That's okay. All good.\n\nAnd having a look at things. Yeah. Yep. Absolutely. Oh, absolute.\n\nYeah. Absolute absolutely. And looking at things, now you're 55 in December there as well, you? Yeah. No.\n\nIt's completely natural. Most people, when they sort of hit the late forties, early fifties, they really start to consider the fact they've worked a long time. They've had a lifetime of work. Things are changing. How much is my super gonna last?\n\nWhat's gonna happen? And longevity becomes a real concern for most people. So you're in that age group there. So I'll make sure that we do sort of look at what we can do moving forward and and boost your super as much as possible. Okay.\n\nExcellent. Excellent. It sounds like you're in that right environment for the moment. Well, in six months, when we do a bit of a catch up, I'll have a look at where you are, what's been happening. We'll look at the advice and additional contributions and how else we can help things.\n\nThere are some other great strategies that we can also put into place. If at 60 you decide to continue working longer, there are some other strategies from 60 onwards that we can put into place, and one of them is called the transitionary time strategy where we can increase contributions up to the cap as much as possible and then also draw a little bit out of the super as well. And because of the tax side of things, you actually draw less than what you're putting in. So it keeps your income about the exact you know, the same as what your take home pay is now. It increases contributions and then can provide a last, you know, a last little boost to super over the last few years there as well.\n\nSo we can revisit those around 60 and see how you're tracking them as well. Excellent. All good. All of those documents that I've gone through are in that annual review package attached there for you. You've also got the ongoing service agreement, which if you're comfortable, we would get you to sign a return back.\n\nIt just states you do pay a 1.65% annual fee to us. We deduct that on a monthly basis out of your super in smaller monthly provide the services and keep looking after your super and updating advice working towards your retirement goals there for you. Okay. Do you have any questions, Miriam? I'm sorry.\n\nI go go through a lot in a short period of time. Do you see any questions that maybe have come up in any of this? That's okay. No problem at all. Well, what I'll do is I'll monitor things for now.\n\nI will have a look and make sure I do a quick email in three months' time just to give you an update on how things are tracking. If I feel at that point we need to maybe touch base and reevaluate the advice, then I'll make sure we do so. And then in six months at Christmas time, we'll do just a final catch up, reassess the portfolio, the advice, and look at contributions moving forward for you for the last couple of years there. Okay. Excellent.\n\nIf anything in the meantime comes up, please do let me know. If you're interested, I'm not sure if we've spoken much before, but my details as a licensed adviser are in the financial services guide, which is also attached to that email for you there as well. Okay? Lovely. Well, I was taking up much more of your time than I needed to, but you have a lovely day.\n\nAnd I thank you so much for calling back and taking my call. I really do appreciate it. That's okay. Talk to you soon. Thanks so much.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.5999999,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.2444408088922501},{"text":"Good afternoon, Miriam.","start":1.8399999,"end":2.72,"sentiment":"positive","sentiment_score":0.47184550762176514},{"text":"Thank you so much for calling back.","start":2.72,"end":4.16,"sentiment":"positive","sentiment_score":0.7003304021699088},{"text":"How are you today?","start":4.16,"end":5.22,"sentiment":"positive","sentiment_score":0.3468683138489723},{"text":"Oh, I'm so sorry.","start":8.96,"end":10.16,"sentiment":"neutral","sentiment_score":-0.12632372416555882}],"sentiment":"positive","sentiment_score":0.39181413187792424,"num_words":19,"start":1.5999999,"end":10.16},{"sentences":[{"text":"Is that a little bit better?","start":10.16,"end":11.54,"sentiment":"neutral","sentiment_score":-0.12505247940619788},{"text":"Oh, I've got the headset as close as possible to my mouth, but is that getting any better at all?","start":14.08,"end":22.195,"sentiment":"neutral","sentiment_score":-0.11947220414876938},{"text":"Very faint.","start":25.455,"end":26.43,"sentiment":"neutral","sentiment_score":0.030278705060482025},{"text":"No.","start":27.07,"end":27.31,"sentiment":"neutral","sentiment_score":0.02097567729651928},{"text":"That's okay.","start":27.31,"end":27.95,"sentiment":"neutral","sentiment_score":0.0622108057141304}],"sentiment":"neutral","sentiment_score":-0.09463884711505906,"num_words":31,"start":10.16,"end":27.95},{"sentences":[{"text":"Not a problem at all.","start":27.95,"end":28.75,"sentiment":"neutral","sentiment_score":0.13063772916793823},{"text":"Look.","start":28.75,"end":28.99,"sentiment":"neutral","sentiment_score":0.08514635264873505},{"text":"I did have you booked in to go through your annual review.","start":28.99,"end":30.99,"sentiment":"neutral","sentiment_score":0.07686178262035052},{"text":"Can you hear me enough to kinda go through that today?","start":30.99,"end":33.57,"sentiment":"neutral","sentiment_score":0.045007232915271415},{"text":"Yep.","start":34.35,"end":34.75,"sentiment":"neutral","sentiment_score":0.16956691443920135}],"sentiment":"neutral","sentiment_score":0.07751076221466065,"num_words":30,"start":27.95,"end":34.75},{"sentences":[{"text":"Beautiful.","start":34.75,"end":35.23,"sentiment":"positive","sentiment_score":0.4393177926540375},{"text":"I've sort of pushed my headset as close as I possibly can.","start":35.23,"end":37.95,"sentiment":"neutral","sentiment_score":0.06327893553922574},{"text":"I do apologize.","start":37.95,"end":38.83,"sentiment":"neutral","sentiment_score":-0.10685253143310547},{"text":"The phone system's a little bit quiet.","start":38.83,"end":40.59,"sentiment":"neutral","sentiment_score":-0.20188374604497636},{"text":"That's all.","start":40.59,"end":41.295,"sentiment":"neutral","sentiment_score":-0.0685487799346447}],"sentiment":"neutral","sentiment_score":-0.026887054294347762,"num_words":25,"start":34.75,"end":41.295},{"sentences":[{"text":"If you do need me to repeat anything, please let me know.","start":41.774998,"end":44.734997,"sentiment":"neutral","sentiment_score":0.001688968235005935},{"text":"Okay.","start":44.734997,"end":45.234997,"sentiment":"neutral","sentiment_score":0.06678203493356705},{"text":"All good.","start":45.614998,"end":46.355,"sentiment":"neutral","sentiment_score":0.287306010723114},{"text":"Excellent.","start":46.655,"end":47.135,"sentiment":"positive","sentiment_score":0.3382594585418701},{"text":"How's your day been so far?","start":47.135,"end":48.754997,"sentiment":"neutral","sentiment_score":0.16119148333867392}],"sentiment":"neutral","sentiment_score":0.08941227426244454,"num_words":22,"start":41.774998,"end":48.754997},{"sentences":[{"text":"Okay.","start":54.894997,"end":55.394997,"sentiment":"neutral","sentiment_score":0.07595998048782349},{"text":"Oh, fantastic.","start":57.69,"end":58.75,"sentiment":"neutral","sentiment_score":0.19736298173666},{"text":"Well, I was trying to take up too much of your time.","start":58.969997,"end":60.969997,"sentiment":"neutral","sentiment_score":-0.14605427471299967},{"text":"We'll run through things as quickly as possible.","start":60.969997,"end":62.989998,"sentiment":"neutral","sentiment_score":-0.038558047730475664},{"text":"I have sent you through a copy of the annual review documents to your email there.","start":63.61,"end":68.009995,"sentiment":"neutral","sentiment_score":0.05439789034426212}],"sentiment":"neutral","sentiment_score":-0.018463166382832404,"num_words":39,"start":54.894997,"end":68.009995},{"sentences":[{"text":"Are you able to access and open that up?","start":68.009995,"end":70.25,"sentiment":"neutral","sentiment_score":0.0216357269220882},{"text":"If you can't, that's honestly okay.","start":70.25,"end":75.595,"sentiment":"neutral","sentiment_score":-0.11775292844201128},{"text":"That's okay.","start":75.595,"end":76.415,"sentiment":"neutral","sentiment_score":0.010670553892850876},{"text":"Not a problem.","start":78.715,"end":79.535,"sentiment":"neutral","sentiment_score":0.05826212838292122},{"text":"Yeah.","start":99.545,"end":99.784996,"sentiment":"neutral","sentiment_score":0.060421645641326904}],"sentiment":"neutral","sentiment_score":-0.012154613798927693,"num_words":21,"start":68.009995,"end":99.784996},{"sentences":[{"text":"You're right.","start":99.784996,"end":100.525,"sentiment":"neutral","sentiment_score":0.08447543904185295},{"text":"Fantastic.","start":118.04,"end":118.54,"sentiment":"positive","sentiment_score":0.3952889144420624},{"text":"So when you open the email there, on the bottom, if you just scroll down, you'll see a couple of attachments there.","start":118.84,"end":124.675,"sentiment":"neutral","sentiment_score":0.08450193025849083},{"text":"The first one will I think it's a couple down.","start":124.675,"end":127.955,"sentiment":"neutral","sentiment_score":-0.04799559861421585},{"text":"There should be the summary of superannuation and insurances.","start":127.955,"end":130.455,"sentiment":"neutral","sentiment_score":0.005476521742012765}],"sentiment":"neutral","sentiment_score":0.045286703812466425,"num_words":44,"start":99.784996,"end":130.455},{"sentences":[{"text":"Can you see that link there?","start":130.595,"end":132.135,"sentiment":"neutral","sentiment_score":0.018767496881385643},{"text":"Yep.","start":132.835,"end":133.335,"sentiment":"positive","sentiment_score":0.3435859680175781},{"text":"Beautiful.","start":133.475,"end":133.975,"sentiment":"positive","sentiment_score":0.6940658688545227},{"text":"So if you open up that one, it gives you an updated of your balance there.","start":134.035,"end":137.27,"sentiment":"neutral","sentiment_score":0.27593469712883234},{"text":"So just kinda referring back to your last lender review, the balance I have noted is about 117,553.","start":137.27,"end":144.81001,"sentiment":"neutral","sentiment_score":0.0810584399021334}],"sentiment":"neutral","sentiment_score":0.1672443783442889,"num_words":42,"start":130.595,"end":144.81001},{"sentences":[{"text":"Your balance as of the July 27 is sitting at a 143,091 and 47¢ there.","start":145.27,"end":152.145,"sentiment":"neutral","sentiment_score":0.1357457015131201},{"text":"So we have seen a bit a really good increase over the last year and a bit of, obviously, your balance there.","start":152.145,"end":158.085,"sentiment":"positive","sentiment_score":0.38395228440111334},{"text":"It's really I had a bit of a look at your individual investments.","start":158.705,"end":162.565,"sentiment":"neutral","sentiment_score":0.08963383161104642},{"text":"We actually sent you a record of advice and updated email a few months back about March.","start":162.945,"end":168.1,"sentiment":"neutral","sentiment_score":0.07398114462985712},{"text":"Do you remember receiving that email there?","start":168.1,"end":170.20001,"sentiment":"neutral","sentiment_score":0.015930346080235074}],"sentiment":"neutral","sentiment_score":0.17646331192083556,"num_words":74,"start":145.27,"end":170.20001},{"sentences":[{"text":"That's okay.","start":176.42,"end":177.16,"sentiment":"neutral","sentiment_score":0.07846962538314983},{"text":"You that's absolutely fine.","start":177.195,"end":179.29501,"sentiment":"neutral","sentiment_score":0.3042968474328518},{"text":"We had sort of noted back that this year, there's obviously been quite a lot going on between The US and Iran war.","start":179.675,"end":184.475,"sentiment":"neutral","sentiment_score":-0.10259480515251988},{"text":"And in Australia, we've also had high inflationary rates, and that does affect fixed interest as well.","start":184.475,"end":189.675,"sentiment":"neutral","sentiment_score":-0.10727127707179855},{"text":"So the markets have been a very up and down this year.","start":189.675,"end":192.975,"sentiment":"neutral","sentiment_score":-0.28247450416286785}],"sentiment":"neutral","sentiment_score":-0.10687689031353863,"num_words":58,"start":176.42,"end":192.975},{"sentences":[{"text":"We sort of have been looking at the portfolios and looking at what we're you know, how they're all sort of working.","start":193.87001,"end":199.01001,"sentiment":"neutral","sentiment_score":-0.08141224560412494},{"text":"Most things are doing quite well, but we have sort of noted around about March, there was an investment that was underperforming a bit within your portfolio.","start":199.07,"end":206.61,"sentiment":"neutral","sentiment_score":-0.11422657373326796},{"text":"You had the Benelung Australian Equities.","start":206.75,"end":208.85,"sentiment":"neutral","sentiment_score":-0.05599299135307471},{"text":"Now to give you a little bit of a breakdown, the Benelon Australian Equities Fund is an actively managed fund.","start":209.525,"end":215.465,"sentiment":"neutral","sentiment_score":-0.005030135158449411},{"text":"The fund manager inside that is trying to pick and time the market.","start":215.765,"end":219.36499,"sentiment":"neutral","sentiment_score":-0.0031191099148530224}],"sentiment":"neutral","sentiment_score":-0.06082154516215352,"num_words":88,"start":193.87001,"end":219.36499},{"sentences":[{"text":"They're trying to outperform against the benchmark or the market as a whole.","start":219.36499,"end":223.42,"sentiment":"neutral","sentiment_score":-0.0508526681850736},{"text":"They have not been able to do so.","start":223.64,"end":225.73999,"sentiment":"neutral","sentiment_score":-0.31742704659700394},{"text":"So, essentially, up until about March this year, your portfolio was down under about 1%, and it was all because of what was happening with Bannalong.","start":225.87999,"end":234.45999,"sentiment":"neutral","sentiment_score":-0.20308386706388915},{"text":"Normally, when we sort of look at the markets as a whole, we understand there are up and down years, and this year has been very volatile.","start":235.415,"end":242.235,"sentiment":"neutral","sentiment_score":-0.15317614983629296},{"text":"But most of your investments have been performing very, very well.","start":243.095,"end":246.47499,"sentiment":"neutral","sentiment_score":0.05174440348690206}],"sentiment":"neutral","sentiment_score":-0.14173234364784815,"num_words":85,"start":219.36499,"end":246.47499},{"sentences":[{"text":"So we did take the step in March to remove that investment from your portfolio and from all of our portfolios.","start":246.53499,"end":252.93001,"sentiment":"neutral","sentiment_score":-0.12954307276578175},{"text":"And that's essentially what that email was about.","start":253.31,"end":255.81,"sentiment":"neutral","sentiment_score":-0.017972249421291053},{"text":"Yeah.","start":255.87,"end":256.37,"sentiment":"neutral","sentiment_score":0.015633471310138702},{"text":"Yeah.","start":256.59,"end":257.09,"sentiment":"neutral","sentiment_score":0.046813227236270905},{"text":"We've actually replaced it with something a little bit cheaper and much better.","start":257.87,"end":261.47,"sentiment":"neutral","sentiment_score":0.11881625537688915}],"sentiment":"neutral","sentiment_score":-0.02857101147740402,"num_words":44,"start":246.53499,"end":261.47},{"sentences":[{"text":"So inside that Ben along Australian equities, that that manager generally holds about 15 to 25 different Australian companies there.","start":261.47,"end":269.97498,"sentiment":"neutral","sentiment_score":0.09529433436691762},{"text":"What we've actually replaced it with is the BetaShares a 200.","start":270.03497,"end":273.97498,"sentiment":"neutral","sentiment_score":0.17153810167854483},{"text":"This is actually giving you exposures to the top 200 companies on the ASX.","start":274.275,"end":278.34998,"sentiment":"neutral","sentiment_score":0.2670451072709901},{"text":"It is more of a passively managed fund, so it's tracking the top 200 companies by market capitalization on the ASX there.","start":278.72998,"end":286.25,"sentiment":"neutral","sentiment_score":0.28305778381499375},{"text":"It's giving you broader diversification for helping to lower the overall risk of your portfolio.","start":286.25,"end":290.92502,"sentiment":"positive","sentiment_score":0.4434603850046794}],"sentiment":"neutral","sentiment_score":0.24890993081214952,"num_words":82,"start":261.47,"end":290.92502},{"sentences":[{"text":"And it's also a cheaper investment, which is important as well because less money going into fees for investments means more money stays in your super compounding forward there for you.","start":291.225,"end":300.845,"sentiment":"positive","sentiment_score":0.422495364181457},{"text":"Okay?","start":300.905,"end":301.405,"sentiment":"neutral","sentiment_score":0.19927456974983215},{"text":"Excellent.","start":302.51,"end":303.01,"sentiment":"positive","sentiment_score":0.5778946876525879},{"text":"So that change did happen.","start":303.63,"end":305.15,"sentiment":"positive","sentiment_score":0.34643136858940127},{"text":"So since that change has occurred, obviously, your portfolio has had a little bit of a time to recover there, and you're up about 4.13% since we made that change.","start":305.15,"end":314.35,"sentiment":"neutral","sentiment_score":0.21599800735712052}],"sentiment":"neutral","sentiment_score":0.32480327368659134,"num_words":68,"start":291.225,"end":314.35},{"sentences":[{"text":"So while things were down a little bit to begin with, after making that change, we have seen a bit of a turnaround and some recovery in your portfolio.","start":314.35,"end":322.305,"sentiment":"neutral","sentiment_score":0.07920022514359705},{"text":"And I'd like to just sort of monitor that over the next, you know, three to six months to sort of see how that goes.","start":322.365,"end":328.04498,"sentiment":"neutral","sentiment_score":0.08744335174560547},{"text":"And if it doesn't sort of pick up or we don't see any greater recovery point or, you know, if we don't keep seeing the growth, then I'd like to make some changes to your portfolio.","start":328.04498,"end":336.96,"sentiment":"neutral","sentiment_score":-0.04320998617913574},{"text":"But are you comfortable if I just monitor that moving forward for another few months?","start":337.09998,"end":340.87997,"sentiment":"neutral","sentiment_score":0.018426822498440742},{"text":"Yeah?","start":342.06,"end":342.56,"sentiment":"neutral","sentiment_score":0.1501268744468689}],"sentiment":"neutral","sentiment_score":0.03164018898376457,"num_words":106,"start":314.35,"end":342.56},{"sentences":[{"text":"Excellent.","start":342.62,"end":343.12,"sentiment":"positive","sentiment_score":0.6010814905166626},{"text":"Would you prefer a catch up maybe in three or six months to sort of look at how things are tracking for you?","start":343.18,"end":348.885,"sentiment":"neutral","sentiment_score":0.06207668481637602},{"text":"Yeah.","start":352.785,"end":353.285,"sentiment":"neutral","sentiment_score":0.021401481702923775},{"text":"Yeah.","start":354.785,"end":355.285,"sentiment":"neutral","sentiment_score":0.015880631282925606},{"text":"Yeah.","start":359.58502,"end":360.08502,"sentiment":"neutral","sentiment_score":0.02536061778664589}],"sentiment":"neutral","sentiment_score":0.07746251748391876,"num_words":27,"start":342.62,"end":360.08502},{"sentences":[{"text":"Yeah.","start":361.81998,"end":362.31998,"sentiment":"neutral","sentiment_score":0.02245638519525528},{"text":"Absolutely.","start":362.46,"end":362.96,"sentiment":"neutral","sentiment_score":0.02976166270673275},{"text":"Not a problem.","start":363.58,"end":364.3,"sentiment":"neutral","sentiment_score":-0.22811665137608847},{"text":"We just yeah.","start":364.3,"end":366.56,"sentiment":"neutral","sentiment_score":-0.014799326658248901},{"text":"Absolutely.","start":367.5,"end":368.0,"sentiment":"neutral","sentiment_score":0.20044779777526855}],"sentiment":"neutral","sentiment_score":-0.05289800982508394,"num_words":9,"start":361.81998,"end":368.0},{"sentences":[{"text":"Six months would be really great.","start":368.62,"end":369.97998,"sentiment":"neutral","sentiment_score":0.28854089975357056},{"text":"There are very minimal changes that do occur in a three month period.","start":369.97998,"end":373.59998,"sentiment":"neutral","sentiment_score":0.11193248600913928},{"text":"But at the same time, if it's more if you it's what if it's what you wanna see, I'll make it happen.","start":373.98502,"end":378.565,"sentiment":"neutral","sentiment_score":0.15010048652237112},{"text":"Six months would be much better.","start":379.345,"end":380.785,"sentiment":"neutral","sentiment_score":0.16986572369933128},{"text":"I'm we're organizing all the catch ups because it comes into December.","start":380.785,"end":384.245,"sentiment":"neutral","sentiment_score":0.07588834346582492}],"sentiment":"neutral","sentiment_score":0.14268530311725908,"num_words":59,"start":368.62,"end":384.245},{"sentences":[{"text":"This sorta happened early December for everyone, so we can kinda get look at how things are tracking, look at whether things need to change just before we all go on that Christmas break.","start":384.625,"end":394.44,"sentiment":"neutral","sentiment_score":0.04727793375358862},{"text":"So it kind of makes it a little bit easier for everyone.","start":394.44,"end":397.64,"sentiment":"neutral","sentiment_score":0.21559887876113257},{"text":"So I'll put that in for six months there for you.","start":397.64,"end":399.96002,"sentiment":"neutral","sentiment_score":0.12383736060424284},{"text":"I will do a little bit of a three month check-in just to see how things are going with your super fund if you like.","start":399.96002,"end":406.325,"sentiment":"neutral","sentiment_score":0.17860570967197417},{"text":"If there's any need with concern, I can even just send you an email at three months to say, hey.","start":406.325,"end":411.045,"sentiment":"neutral","sentiment_score":0.10524257570505142}],"sentiment":"neutral","sentiment_score":0.11889060309120253,"num_words":102,"start":384.625,"end":411.045},{"sentences":[{"text":"I've had a look at things.","start":411.045,"end":412.325,"sentiment":"neutral","sentiment_score":0.13015648846824965},{"text":"Things are tracking really well.","start":412.325,"end":413.845,"sentiment":"neutral","sentiment_score":0.19699688851833344},{"text":"If you're comfortable, we'll stay on track for a six month catch up.","start":413.845,"end":416.565,"sentiment":"neutral","sentiment_score":0.12589590538006562},{"text":"Would you like that?","start":416.565,"end":417.48,"sentiment":"neutral","sentiment_score":0.07472417876124382},{"text":"Yeah.","start":417.96002,"end":418.46002,"sentiment":"neutral","sentiment_score":0.13245785236358645}],"sentiment":"neutral","sentiment_score":0.13220430037070965,"num_words":29,"start":411.045,"end":418.46002},{"sentences":[{"text":"Yep.","start":419.40002,"end":419.90002,"sentiment":"neutral","sentiment_score":0.21101132035255432},{"text":"Beautiful.","start":420.2,"end":420.7,"sentiment":"positive","sentiment_score":0.531158447265625},{"text":"Fantastic.","start":421.24002,"end":421.74002,"sentiment":"positive","sentiment_score":0.613166332244873},{"text":"Excellent.","start":422.76,"end":423.26,"sentiment":"positive","sentiment_score":0.593161940574646},{"text":"So happy with the way things are tracking, and I'm glad we were able to get rid of that investment.","start":423.32,"end":427.34,"sentiment":"positive","sentiment_score":0.5526596426963806}],"sentiment":"positive","sentiment_score":0.5417371205985546,"num_words":24,"start":419.40002,"end":427.34},{"sentences":[{"text":"And I wanna make sure things do stay on track there for you.","start":427.96002,"end":430.84,"sentiment":"neutral","sentiment_score":0.3119471279474405},{"text":"So fantastic.","start":430.84,"end":431.82,"sentiment":"positive","sentiment_score":0.4660608619451523},{"text":"Do you have any questions?","start":433.045,"end":434.325,"sentiment":"neutral","sentiment_score":0.16258300095796585},{"text":"I'm sorry.","start":434.325,"end":434.725,"sentiment":"neutral","sentiment_score":-0.0063325639348477125},{"text":"I set a lot of information up, but do you have any questions for me?","start":434.725,"end":437.76498,"sentiment":"neutral","sentiment_score":0.04981294373671214}],"sentiment":"neutral","sentiment_score":0.17661833568048235,"num_words":37,"start":427.96002,"end":437.76498},{"sentences":[{"text":"You're welcome to ask me anything you like.","start":437.76498,"end":439.865,"sentiment":"positive","sentiment_score":0.3840402364730835},{"text":"Yeah.","start":441.525,"end":442.025,"sentiment":"neutral","sentiment_score":-0.05644054338335991},{"text":"That's okay.","start":445.845,"end":446.37,"sentiment":"neutral","sentiment_score":-0.0058743637055158615},{"text":"Yeah.","start":457.49,"end":457.99,"sentiment":"neutral","sentiment_score":0.06923209130764008},{"text":"Yeah.","start":462.945,"end":463.445,"sentiment":"neutral","sentiment_score":0.13304150104522705}],"sentiment":"neutral","sentiment_score":0.24664663179562643,"num_words":13,"start":437.76498,"end":463.445},{"sentences":[{"text":"Fantastic.","start":464.625,"end":465.125,"sentiment":"positive","sentiment_score":0.6439720392227173},{"text":"Not a problem at all.","start":465.98502,"end":467.445,"sentiment":"positive","sentiment_score":0.34466445446014404},{"text":"On the bottom of that super insurance summary there, you do have your insurances as well.","start":467.74503,"end":472.065,"sentiment":"neutral","sentiment_score":0.14109468646347523},{"text":"So it essentially gives you an update of what your sum insured is for your life and TBD.","start":472.065,"end":476.74,"sentiment":"neutral","sentiment_score":0.11188367712828848},{"text":"So you do just have life cover and total permanent disability cover.","start":477.44,"end":480.88,"sentiment":"neutral","sentiment_score":0.02520730532705784}],"sentiment":"neutral","sentiment_score":0.1334846759071717,"num_words":52,"start":464.625,"end":480.88},{"sentences":[{"text":"You don't have any income protection or trauma or any other type of insurances.","start":480.88,"end":485.06,"sentiment":"neutral","sentiment_score":-0.03911030551950846},{"text":"Looking at the level of cover you've got there, the sum insured is up to 935,148.","start":486.105,"end":492.345,"sentiment":"neutral","sentiment_score":0.032287610694766045},{"text":"Do you feel like that cover's sufficient for where you're at for what you would wanna be covered for, or did you wanna sort of look at reevaluating that at all?","start":492.345,"end":499.74002,"sentiment":"neutral","sentiment_score":0.0045663978784315044},{"text":"Yeah.","start":502.92,"end":503.32,"sentiment":"neutral","sentiment_score":0.07040560245513916},{"text":"That's okay.","start":503.32,"end":504.14,"sentiment":"neutral","sentiment_score":0.06806093454360962}],"sentiment":"neutral","sentiment_score":0.004955364056513645,"num_words":64,"start":480.88,"end":504.14},{"sentences":[{"text":"Has anyone ever kind of brought up income protection or trauma or any other types of insurances that you can also apply for to provide additional cover?","start":504.76,"end":512.705,"sentiment":"neutral","sentiment_score":-0.012774355433605335},{"text":"No.","start":514.365,"end":514.605,"sentiment":"neutral","sentiment_score":-0.06839300692081451},{"text":"That's okay.","start":514.605,"end":515.505,"sentiment":"neutral","sentiment_score":-0.03615659475326538},{"text":"So income protection does provide a monthly benefit.","start":515.645,"end":518.605,"sentiment":"neutral","sentiment_score":0.03583325818181038},{"text":"You can, at the moment, cover yourself up to 70% of your income, pre disability income.","start":518.605,"end":524.305,"sentiment":"neutral","sentiment_score":0.012139313155785203}],"sentiment":"neutral","sentiment_score":-0.00008738365162301946,"num_words":54,"start":504.76,"end":524.305},{"sentences":[{"text":"It is same as life and CBD can be paid out of your super fund.","start":524.97,"end":528.49,"sentiment":"neutral","sentiment_score":0.029010524849096934},{"text":"It is a much more does increase, obviously, the cost of your insurances as well.","start":528.73,"end":532.73,"sentiment":"neutral","sentiment_score":-0.08835646857817968},{"text":"Did you wanna look at maybe getting some income protection, or are you fairly comfortable with what you've got sort of to fall back on if you're not able to work in the short term?","start":532.73,"end":543.795,"sentiment":"neutral","sentiment_score":-0.06758225347314561},{"text":"That's okay.","start":543.795,"end":544.675,"sentiment":"positive","sentiment_score":0.45046837627887726},{"text":"Beautiful.","start":544.675,"end":545.175,"sentiment":"positive","sentiment_score":0.6085502505302429}],"sentiment":"neutral","sentiment_score":-0.025677662123652065,"num_words":68,"start":524.97,"end":545.175},{"sentences":[{"text":"And trauma is an out of pocket cost, trauma.","start":545.555,"end":548.275,"sentiment":"neutral","sentiment_score":-0.1264537481798066},{"text":"And you can also get child trauma as well to cover minor children, but it pays at a lump sum tax rate benefit in the event that you're diagnosed with a major condition.","start":548.275,"end":556.4,"sentiment":"neutral","sentiment_score":-0.03323041105812246},{"text":"Probably one of the biggest ones that people claim on is definitely cancer, but also heart attacks and strokes and certain things like that.","start":557.10004,"end":564.62,"sentiment":"neutral","sentiment_score":-0.14377682687093815},{"text":"It can be a pretty cheap cost, but it is out of pocket.","start":564.62,"end":567.18,"sentiment":"neutral","sentiment_score":-0.18112755051025978},{"text":"And I know with the cost of living at the moment, it can be a bit tight for people.","start":567.18,"end":571.07495,"sentiment":"neutral","sentiment_score":-0.20456426316186002}],"sentiment":"neutral","sentiment_score":-0.12170112551170953,"num_words":98,"start":545.555,"end":571.07495},{"sentences":[{"text":"But did you wanna look at getting anything like that?","start":571.07495,"end":573.315,"sentiment":"neutral","sentiment_score":-0.041007033176720144},{"text":"Are you comfortable with just not worrying about it?","start":573.315,"end":575.975,"sentiment":"neutral","sentiment_score":-0.05808674502703878},{"text":"Yep.","start":578.75494,"end":578.995,"sentiment":"neutral","sentiment_score":0.08946888148784637},{"text":"That's that's okay.","start":578.995,"end":580.19495,"sentiment":"neutral","sentiment_score":0.179401566584905},{"text":"Not a problem.","start":580.19495,"end":580.75494,"sentiment":"neutral","sentiment_score":0.15279987702767053}],"sentiment":"neutral","sentiment_score":0.005893160589039326,"num_words":26,"start":571.07495,"end":580.75494},{"sentences":[{"text":"If you ever did wanna sort of look at it, please let me know.","start":580.75494,"end":583.97,"sentiment":"neutral","sentiment_score":0.032328544184565544},{"text":"With the life cover you have at the moment, basically, if you were to pass away today, the $9.35 $1.48 is paid out to your beneficiaries there.","start":584.13,"end":593.01,"sentiment":"neutral","sentiment_score":0.04267272022035387},{"text":"But then your super benefit is paid out on top of that as well.","start":593.17,"end":595.91504,"sentiment":"neutral","sentiment_score":0.06867727424417223},{"text":"So you do have about a 143 in there to cover the additional.","start":595.91504,"end":600.015,"sentiment":"neutral","sentiment_score":0.023938803002238274},{"text":"With TBD, if you were to be unable to go back to work permanently, this the life sorry.","start":601.275,"end":607.995,"sentiment":"neutral","sentiment_score":-0.0639694660074181}],"sentiment":"neutral","sentiment_score":0.020069755288923897,"num_words":86,"start":580.75494,"end":607.995},{"sentences":[{"text":"The TBD benefit of $9.35 can be paid out, but then we can also access your super for the $1.43 on top of that as well.","start":607.995,"end":615.69,"sentiment":"neutral","sentiment_score":0.04046468730442799},{"text":"They do allow us to access that.","start":616.15,"end":618.33,"sentiment":"neutral","sentiment_score":0.07237710537655014},{"text":"One of the biggest things I do kind of like to bring up and make sure clients are aware is that if you claim TBD and you are under the age of 60, if you then take the funds out as a lump sum, unfortunately, it is a taxable payment.","start":618.63,"end":632.685,"sentiment":"neutral","sentiment_score":-0.025768062211573125},{"text":"It is something I wholeheartedly disagree on, but tax is deducted up to 22%.","start":632.685,"end":638.845,"sentiment":"neutral","sentiment_score":-0.1503664931016309},{"text":"It could be less.","start":638.845,"end":639.87,"sentiment":"neutral","sentiment_score":-0.09490519016981125}],"sentiment":"neutral","sentiment_score":-0.02192508086267084,"num_words":101,"start":607.995,"end":639.87},{"sentences":[{"text":"It's there's a big equation that kind of factors into how that is deducted, but just so you are fully aware.","start":640.35,"end":646.51,"sentiment":"neutral","sentiment_score":-0.02649730896311147},{"text":"But I like to sort of point out that if you did have to claim on TBD, we would help you with the claim, and then we'd provide financial advice on how to use the funds in the most tax effective way for you, but also so it lasts you as long as possible as well.","start":646.51,"end":661.355,"sentiment":"positive","sentiment_score":0.35281797870993614},{"text":"Okay.","start":661.495,"end":661.995,"sentiment":"neutral","sentiment_score":0.19466277956962583},{"text":"Yep.","start":662.215,"end":662.715,"sentiment":"neutral","sentiment_score":0.3033761978149414},{"text":"Excellent.","start":663.255,"end":663.755,"sentiment":"positive","sentiment_score":0.670951247215271}],"sentiment":"neutral","sentiment_score":0.2546294193016365,"num_words":80,"start":640.35,"end":663.755},{"sentences":[{"text":"The premium you have paid for that one for the year is showing $3,999.05.","start":664.855,"end":670.81,"sentiment":"neutral","sentiment_score":0.32242771663836073},{"text":"Essentially, these premiums do get more and more expensive as you get older, so I just wanna keep reviewing these with you to make sure the level of cover is appropriate, but that is not eating away all of your super as well because the premiums are paid out of super.","start":671.35,"end":683.89496,"sentiment":"neutral","sentiment_score":-0.0797518084519634},{"text":"Okay?","start":684.115,"end":684.615,"sentiment":"neutral","sentiment_score":-0.04571724683046341},{"text":"Yeah.","start":688.035,"end":688.535,"sentiment":"neutral","sentiment_score":-0.016835737973451614},{"text":"No.","start":688.83496,"end":689.07495,"sentiment":"neutral","sentiment_score":-0.11797039210796356}],"sentiment":"neutral","sentiment_score":0.003913565073162317,"num_words":68,"start":664.855,"end":689.07495},{"sentences":[{"text":"At the moment, it's very minimal cost.","start":689.07495,"end":690.995,"sentiment":"neutral","sentiment_score":-0.11921903597457069},{"text":"Unfortunately, I have sort of seen people where they get, you know, around the 60 market and insurance premiums become absolutely phenomenal.","start":690.995,"end":698.22,"sentiment":"neutral","sentiment_score":-0.03093554638326168},{"text":"And if you're not getting the growth out of your super to kind of, you know, help with that, cover it, basically, it does have quite a big effect on you.","start":698.76,"end":707.95996,"sentiment":"neutral","sentiment_score":-0.015170279830213516},{"text":"So we'll just keep reviewing that, making sure you're comfortable with the level and the premiums.","start":707.95996,"end":712.695,"sentiment":"neutral","sentiment_score":0.06335564819164574},{"text":"You're alright.","start":713.235,"end":713.635,"sentiment":"neutral","sentiment_score":-0.02635885216295719}],"sentiment":"neutral","sentiment_score":-0.013133606157050682,"num_words":78,"start":689.07495,"end":713.635},{"sentences":[{"text":"Sorry.","start":713.635,"end":714.135,"sentiment":"neutral","sentiment_score":-0.09624990820884705},{"text":"Well, it depends on what your needs are as well.","start":718.195,"end":720.835,"sentiment":"neutral","sentiment_score":0.00614844486117363},{"text":"So it's about looking at what you would wanna cover.","start":720.835,"end":723.555,"sentiment":"neutral","sentiment_score":0.01848294772207737},{"text":"So if you were to pass away today or if you were unable to go back to work again today and you had to claim on the amount there, what is it you're wanting to cover?","start":723.555,"end":731.66003,"sentiment":"neutral","sentiment_score":-0.057518776402705245},{"text":"What are you actually wanting your life to to pay down?","start":731.66003,"end":734.78,"sentiment":"neutral","sentiment_score":-0.016926488754424183}],"sentiment":"neutral","sentiment_score":-0.030982401605476353,"num_words":68,"start":713.635,"end":734.78},{"sentences":[{"text":"Who are you wanting it to be paid to?","start":734.78,"end":736.80005,"sentiment":"neutral","sentiment_score":-0.01802012634774049},{"text":"In the event of TPD, it's about factoring in how much you might be likely to obtain and how long that might last based on your current income estimate there.","start":737.28503,"end":745.92505,"sentiment":"neutral","sentiment_score":0.012774598536392052},{"text":"So generally speaking, when we turn 60, we normally don't sort of need any more insurances.","start":745.92505,"end":753.81006,"sentiment":"neutral","sentiment_score":-0.048784304526634514},{"text":"A lot of people tend to cancel them at the age of 60 because if you're not able to work yeah.","start":754.27,"end":764.77,"sentiment":"neutral","sentiment_score":-0.06786279003357604},{"text":"No.","start":765.31006,"end":765.765,"sentiment":"neutral","sentiment_score":-0.033100422471761703}],"sentiment":"neutral","sentiment_score":-0.02620403982650537,"num_words":77,"start":734.78,"end":765.765},{"sentences":[{"text":"Absolutely.","start":765.925,"end":766.425,"sentiment":"neutral","sentiment_score":-0.002718869596719742},{"text":"Yeah.","start":766.72504,"end":766.965,"sentiment":"neutral","sentiment_score":-0.005480068735778332},{"text":"Yeah.","start":766.965,"end":767.28503,"sentiment":"neutral","sentiment_score":0.022031238302588463},{"text":"Definitely.","start":767.28503,"end":767.78503,"sentiment":"neutral","sentiment_score":0.058111440390348434},{"text":"You can have life cover beyond that.","start":768.405,"end":770.245,"sentiment":"neutral","sentiment_score":0.03494809355054583}],"sentiment":"neutral","sentiment_score":0.028780035928569057,"num_words":11,"start":765.925,"end":770.245},{"sentences":[{"text":"The only sort of reason most people I speak to wanna keep life cover beyond the age of 60 is if they still have a mortgage, and their super balance doesn't quite cover that.","start":770.245,"end":779.78503,"sentiment":"neutral","sentiment_score":-0.04065342724104138},{"text":"But we can always look to reduce the cover down if you feel like it's getting more expensive and too much because these premiums, the some insured also increases over time as well.","start":780.23,"end":790.23,"sentiment":"neutral","sentiment_score":-0.08038663006190097},{"text":"So you'll pay more, but the amount you're covered for also increase each year.","start":790.23,"end":794.385,"sentiment":"neutral","sentiment_score":-0.04666985997131893},{"text":"Okay.","start":794.865,"end":795.365,"sentiment":"neutral","sentiment_score":0.05639412999153137},{"text":"Yeah.","start":795.505,"end":796.005,"sentiment":"neutral","sentiment_score":0.14143818616867063}],"sentiment":"neutral","sentiment_score":-0.054102663152727735,"num_words":83,"start":770.245,"end":796.005},{"sentences":[{"text":"Excellent.","start":796.305,"end":796.805,"sentiment":"positive","sentiment_score":0.5266870260238647},{"text":"Fantastic.","start":796.945,"end":797.445,"sentiment":"positive","sentiment_score":0.5466235280036926},{"text":"I'll just go through and do a really quick update of your circumstances just to see what sort of changes have occurred.","start":798.625,"end":804.085,"sentiment":"neutral","sentiment_score":0.11741353419016708},{"text":"I have your income at about 73,000 as of the last check-in.","start":804.625,"end":808.78503,"sentiment":"neutral","sentiment_score":0.006396960467100143},{"text":"Have you received a bit of a pay rise since then at all?","start":808.78503,"end":811.76,"sentiment":"neutral","sentiment_score":-0.007602788507938385}],"sentiment":"neutral","sentiment_score":0.07417011390231093,"num_words":49,"start":796.305,"end":811.76},{"sentences":[{"text":"No?","start":813.26,"end":813.76,"sentiment":"neutral","sentiment_score":-0.04376752674579621},{"text":"All good.","start":814.62,"end":815.44,"sentiment":"neutral","sentiment_score":0.11399857327342033},{"text":"And, sorry, just double checking.","start":815.82,"end":819.2,"sentiment":"neutral","sentiment_score":-0.01934716049581766},{"text":"Your home, we had that valued at about 1,300,000 last time.","start":819.42,"end":823.74,"sentiment":"neutral","sentiment_score":-0.03158497674898668},{"text":"Would you increase or alter the value on that currently at all?","start":823.74,"end":827.05505,"sentiment":"neutral","sentiment_score":-0.056254794665922724}],"sentiment":"neutral","sentiment_score":-0.030161240738966772,"num_words":31,"start":813.26,"end":827.05505},{"sentences":[{"text":"Yep.","start":836.715,"end":837.0,"sentiment":"neutral","sentiment_score":-0.001999298809096217},{"text":"Yes.","start":839.08,"end":839.58,"sentiment":"neutral","sentiment_score":0.006441628560423851},{"text":"That's okay.","start":840.36,"end":841.24,"sentiment":"neutral","sentiment_score":0.1078798696398735},{"text":"Not a problem at all.","start":841.24,"end":842.12,"sentiment":"neutral","sentiment_score":0.1811262547969818},{"text":"I can also have a look around at the rough valuation of the property based on the address if you like and just sort of update it to reflect the current valuation statistics.","start":842.12,"end":850.54,"sentiment":"neutral","sentiment_score":0.1138982664455067}],"sentiment":"neutral","sentiment_score":0.11629705085042155,"num_words":42,"start":836.715,"end":850.54},{"sentences":[{"text":"Yeah.","start":852.335,"end":852.735,"sentiment":"positive","sentiment_score":0.33751755952835083},{"text":"Fantastic.","start":852.735,"end":853.235,"sentiment":"positive","sentiment_score":0.6183249950408936},{"text":"Mortgage on the property, we had about 309,000.","start":853.935,"end":856.995,"sentiment":"neutral","sentiment_score":0.1198829528875649},{"text":"Would you reduce that at all, or have you been able to reduce that?","start":857.055,"end":860.41504,"sentiment":"neutral","sentiment_score":0.00964976434728929},{"text":"Sorry.","start":860.41504,"end":860.91504,"sentiment":"neutral","sentiment_score":-0.10577510297298431}],"sentiment":"neutral","sentiment_score":0.07776911102235318,"num_words":25,"start":852.335,"end":860.91504},{"sentences":[{"text":"Yep.","start":867.71,"end":868.21,"sentiment":"neutral","sentiment_score":0.06593931466341019},{"text":"Yep.","start":870.03,"end":870.53,"sentiment":"neutral","sentiment_score":0.09967224299907684},{"text":"That's okay.","start":873.23004,"end":873.87006,"sentiment":"neutral","sentiment_score":0.10913977399468422},{"text":"Just sort of ballpark, would you say it's below the $300,000 mark now or just slightly higher?","start":873.87006,"end":879.59503,"sentiment":"neutral","sentiment_score":-0.019502803546321744},{"text":"That's okay.","start":882.455,"end":883.275,"sentiment":"neutral","sentiment_score":0.08318930119276047}],"sentiment":"neutral","sentiment_score":0.009509654249995947,"num_words":23,"start":867.71,"end":883.275},{"sentences":[{"text":"Not a problem.","start":883.335,"end":884.235,"sentiment":"neutral","sentiment_score":0.011880485651393732},{"text":"It's a bit difficult with the ups and downs we're seeing with all the interest rates and yeah.","start":884.775,"end":891.83997,"sentiment":"neutral","sentiment_score":-0.0862451146563722},{"text":"I had your car value noted at about 5,000 at the moment.","start":891.98,"end":895.5,"sentiment":"neutral","sentiment_score":0.003507813710408906},{"text":"What sort of car do you drive?","start":895.5,"end":896.95996,"sentiment":"neutral","sentiment_score":-0.0045115698927215165},{"text":"Yep.","start":901.58,"end":901.785,"sentiment":"neutral","sentiment_score":0.023731006309390068}],"sentiment":"neutral","sentiment_score":-0.03615919086037249,"num_words":41,"start":883.335,"end":901.785},{"sentences":[{"text":"Yep.","start":903.70496,"end":904.20496,"sentiment":"neutral","sentiment_score":0.011482159607112408},{"text":"What sort of value would it be to do?","start":904.26495,"end":906.365,"sentiment":"neutral","sentiment_score":-0.0058219509406222236},{"text":"Yes.","start":908.26495,"end":908.665,"sentiment":"neutral","sentiment_score":0.15854346752166748},{"text":"Fantastic.","start":908.665,"end":909.165,"sentiment":"positive","sentiment_score":0.531520426273346},{"text":"Excellent.","start":909.70496,"end":910.20496,"sentiment":"positive","sentiment_score":0.4403280615806579}],"sentiment":"neutral","sentiment_score":0.08380588896286029,"num_words":13,"start":903.70496,"end":910.20496},{"sentences":[{"text":"And then we also had a credit card noted down here with a limit of about 2,500.","start":911.14496,"end":917.05,"sentiment":"neutral","sentiment_score":0.09018552040352541},{"text":"Would that be accurate?","start":917.05,"end":918.11,"sentiment":"neutral","sentiment_score":0.03930516913533211},{"text":"Yep.","start":919.45,"end":919.95,"sentiment":"neutral","sentiment_score":0.0941234454512596},{"text":"Beautiful.","start":920.01,"end":920.51,"sentiment":"neutral","sentiment_score":0.2467859536409378},{"text":"Fantastic.","start":920.64996,"end":921.14996,"sentiment":"neutral","sentiment_score":0.3121572732925415}],"sentiment":"neutral","sentiment_score":0.09764338315774997,"num_words":24,"start":911.14496,"end":921.14996},{"sentences":[{"text":"I've got it just says it says limit of 2,500.","start":922.49,"end":928.89,"sentiment":"neutral","sentiment_score":-0.018049198016524316},{"text":"Would that just be the outstanding, or is that the limit?","start":928.89,"end":933.6478,"sentiment":"neutral","sentiment_score":-0.016830431297421455},{"text":"Yep.","start":934.06213,"end":934.56213,"sentiment":"neutral","sentiment_score":0.04984324797987938},{"text":"Beautiful.","start":934.97644,"end":935.47644,"sentiment":"positive","sentiment_score":0.40645304322242737},{"text":"Fantastic.","start":935.8907,"end":936.3907,"sentiment":"positive","sentiment_score":0.3727843761444092}],"sentiment":"neutral","sentiment_score":0.019310580954576533,"num_words":24,"start":922.49,"end":936.3907},{"sentences":[{"text":"Do you have any other, like, shares, cryptocurrency, anything else of value, or any other cars, boats, or caravans, you'd note down.","start":936.805,"end":944.94,"sentiment":"neutral","sentiment_score":0.06378322530707176},{"text":"No.","start":946.2,"end":946.44,"sentiment":"neutral","sentiment_score":-0.016353465616703033},{"text":"That's okay.","start":946.44,"end":947.24,"sentiment":"neutral","sentiment_score":0.022597646340727806},{"text":"Another thing I do like to consider as an asset, because it realistically is, is your contents.","start":947.24,"end":951.74,"sentiment":"neutral","sentiment_score":0.05760120863423628},{"text":"We all sort of insure our contents on a regular basis.","start":952.36,"end":955.18,"sentiment":"neutral","sentiment_score":0.05199945988980206}],"sentiment":"neutral","sentiment_score":0.0562884413092485,"num_words":53,"start":936.805,"end":955.18},{"sentences":[{"text":"Do you know do you have content insurance at all?","start":956.225,"end":958.96497,"sentiment":"neutral","sentiment_score":0.010014552995562554},{"text":"No.","start":961.345,"end":961.58496,"sentiment":"neutral","sentiment_score":-0.031331077218055725},{"text":"That's okay.","start":961.58496,"end":962.14496,"sentiment":"neutral","sentiment_score":0.016161265317350626},{"text":"You wouldn't sort of put much value in your contents?","start":962.14496,"end":964.565,"sentiment":"negative","sentiment_score":-0.44809797704219817},{"text":"No.","start":966.14496,"end":966.38495,"sentiment":"negative","sentiment_score":-0.3897259831428528}],"sentiment":"neutral","sentiment_score":-0.19873203209135681,"num_words":24,"start":956.225,"end":966.38495},{"sentences":[{"text":"That's okay.","start":966.38495,"end":967.105,"sentiment":"neutral","sentiment_score":-0.12142194807529451},{"text":"That's absolutely fine.","start":967.105,"end":968.64496,"sentiment":"positive","sentiment_score":0.4034825662771861},{"text":"I looking at your contributions going in, you're not making any additional sort of salary sacrifice contributions at the moment.","start":970.08997,"end":976.67,"sentiment":"neutral","sentiment_score":-0.13805925641208888},{"text":"Are you sort of wanting to look at doing that down the track if it helps boost your super?","start":976.97,"end":981.06995,"sentiment":"neutral","sentiment_score":0.052701999090219796},{"text":"Or Yeah.","start":981.12994,"end":982.905,"sentiment":"neutral","sentiment_score":-0.07517724111676216}],"sentiment":"neutral","sentiment_score":-0.02049125706695992,"num_words":46,"start":966.38495,"end":982.905},{"sentences":[{"text":"Yep.","start":985.625,"end":986.125,"sentiment":"neutral","sentiment_score":0.13671600818634033},{"text":"That's okay.","start":989.30505,"end":990.125,"sentiment":"neutral","sentiment_score":0.27754758298397064},{"text":"So salary sacrifice contributions are additional pretax contributions into super.","start":990.18506,"end":995.325,"sentiment":"neutral","sentiment_score":0.1669752061367035},{"text":"Essentially, if there's an amount you're comfortable with, you just let your employer know, or we can provide personal advice on how that looks for you and how it affects your super.","start":996.02,"end":1003.80005,"sentiment":"neutral","sentiment_score":0.16815427294932306},{"text":"Essentially, it's a pretax contribution.","start":1004.58,"end":1006.44,"sentiment":"neutral","sentiment_score":0.07395892888307572}],"sentiment":"neutral","sentiment_score":0.16224589228630065,"num_words":50,"start":985.625,"end":1006.44},{"sentences":[{"text":"So the same as with your employer contributions, your employer would take that out before they calculate your income tax payable.","start":1006.58,"end":1014.125,"sentiment":"neutral","sentiment_score":0.09159683755465917},{"text":"So it helps to reduce the amount of income tax you pay on your earnings, which is not a bad thing.","start":1014.125,"end":1018.705,"sentiment":"neutral","sentiment_score":0.22265422273249852},{"text":"It does, however, also reduce your take home pay slightly as well.","start":1019.165,"end":1022.945,"sentiment":"neutral","sentiment_score":0.06743874649206798},{"text":"So depending on sort of what your goals are, some of my clients do prefer just to focus on the mortgage to start with, try and reduce that as quickly as possible, then consider salary sacrifice where the others have a little bit extra expendable income and are comfortable starting with a smaller amount.","start":1024.03,"end":1039.9249,"sentiment":"neutral","sentiment_score":0.08790586937080931},{"text":"Is there something you'd like to do down the track or now or just thinking yeah.","start":1040.3049,"end":1045.605,"sentiment":"neutral","sentiment_score":0.05422063765581697}],"sentiment":"neutral","sentiment_score":0.1050240675197734,"num_words":124,"start":1006.58,"end":1045.605},{"sentences":[{"text":"Okay.","start":1052.91,"end":1053.41,"sentiment":"neutral","sentiment_score":-0.007003434002399445},{"text":"Yeah.","start":1058.03,"end":1058.53,"sentiment":"neutral","sentiment_score":0.0006620772182941437},{"text":"Yes.","start":1067.645,"end":1068.145,"sentiment":"neutral","sentiment_score":0.06252200156450272},{"text":"Yeah.","start":1068.205,"end":1068.705,"sentiment":"neutral","sentiment_score":0.04715874418616295},{"text":"Absolutely.","start":1070.365,"end":1070.865,"sentiment":"neutral","sentiment_score":0.16155937314033508}],"sentiment":"neutral","sentiment_score":0.05297975242137909,"num_words":5,"start":1052.91,"end":1070.865},{"sentences":[{"text":"Mhmm.","start":1083.0,"end":1083.5,"sentiment":"neutral","sentiment_score":-0.05595115944743157},{"text":"Yes.","start":1084.84,"end":1085.24,"sentiment":"neutral","sentiment_score":-0.050538547337055206},{"text":"So depending on how long you've owned your property for, depending on what you're wanting to do and what your goals are, there are are you sort of talking more around the downsize or contribution and and boosting super that way, or is it more about the selling of the property?","start":1085.24,"end":1098.83,"sentiment":"neutral","sentiment_score":0.039707261703762355},{"text":"Mhmm.","start":1101.77,"end":1102.27,"sentiment":"neutral","sentiment_score":0.01249337662011385},{"text":"Leftover?","start":1105.53,"end":1106.03,"sentiment":"neutral","sentiment_score":0.010984547436237335}],"sentiment":"neutral","sentiment_score":0.03531015571206808,"num_words":55,"start":1083.0,"end":1106.03},{"sentences":[{"text":"Yeah.","start":1107.53,"end":1107.85,"sentiment":"neutral","sentiment_score":0.02991456910967827},{"text":"Yeah.","start":1107.85,"end":1108.1699,"sentiment":"neutral","sentiment_score":0.04582430422306061},{"text":"Absolutely.","start":1108.1699,"end":1108.6699,"sentiment":"neutral","sentiment_score":0.07923731952905655},{"text":"Yeah.","start":1113.815,"end":1114.135,"sentiment":"neutral","sentiment_score":0.11969327926635742},{"text":"Absolutely.","start":1114.135,"end":1114.635,"sentiment":"neutral","sentiment_score":0.217802494764328}],"sentiment":"neutral","sentiment_score":0.09849439337849616,"num_words":5,"start":1107.53,"end":1114.635},{"sentences":[{"text":"So we can.","start":1115.095,"end":1115.895,"sentiment":"neutral","sentiment_score":0.20553462704022726},{"text":"So when and if you do happen to sell the property, do let us know.","start":1115.895,"end":1118.695,"sentiment":"neutral","sentiment_score":0.11871790985266367},{"text":"We'll have a look at what you what your goals are.","start":1118.695,"end":1121.355,"sentiment":"neutral","sentiment_score":0.12516515160148795},{"text":"There are additional contributions that you can make to to super, which is called a sizer contribution.","start":1121.655,"end":1126.73,"sentiment":"neutral","sentiment_score":0.07631342178758453},{"text":"They allow up to a certain amount.","start":1126.95,"end":1128.73,"sentiment":"neutral","sentiment_score":0.05842105405671256}],"sentiment":"neutral","sentiment_score":0.10340499519458357,"num_words":53,"start":1115.095,"end":1128.73},{"sentences":[{"text":"That amount can change depending on what year you happen to put the funds in, but it does provide a great boost to your super.","start":1129.19,"end":1135.11,"sentiment":"neutral","sentiment_score":0.17411981031298637},{"text":"The downside is you're putting money in that you can't access out.","start":1135.11,"end":1138.57,"sentiment":"neutral","sentiment_score":-0.2956872135400772},{"text":"There are stipulations and regulations around owning the property, but it sounds like you've, you know, met that from what I can see on your file here.","start":1139.0149,"end":1147.2749,"sentiment":"neutral","sentiment_score":-0.0382392607215378},{"text":"But, yeah, wondering if you do sell the property, feel free to have that conversation with me.","start":1147.8949,"end":1151.68,"sentiment":"neutral","sentiment_score":0.08071263463181608},{"text":"I can provide advice on whether we put it in the super or we, you know, utilize the funds elsewhere in terms of deposits or invest the money outside of super to to fit your goals.","start":1151.68,"end":1161.14,"sentiment":"neutral","sentiment_score":0.052680115008519754}],"sentiment":"neutral","sentiment_score":0.025990492178716212,"num_words":117,"start":1129.19,"end":1161.14},{"sentences":[{"text":"We can absolutely help with that area.","start":1161.36,"end":1163.28,"sentiment":"positive","sentiment_score":0.34059682062694},{"text":"Yeah.","start":1163.28,"end":1163.6,"sentiment":"neutral","sentiment_score":0.1273432821035385},{"text":"Definitely.","start":1163.6,"end":1164.1,"sentiment":"neutral","sentiment_score":0.18313908576965332},{"text":"Yep.","start":1164.64,"end":1165.14,"sentiment":"neutral","sentiment_score":0.13423150777816772},{"text":"Fantastic.","start":1166.1051,"end":1166.6051,"sentiment":"positive","sentiment_score":0.6299327611923218}],"sentiment":"neutral","sentiment_score":0.3144385801120238,"num_words":11,"start":1161.36,"end":1166.6051},{"sentences":[{"text":"Did you want me to sort of look at maybe having that catch up with you in six months when we do a catch up to talk more about the salary sacrifice side of things?","start":1168.025,"end":1176.1051,"sentiment":"neutral","sentiment_score":0.10673175427530493},{"text":"Or yep.","start":1176.1051,"end":1177.005,"sentiment":"neutral","sentiment_score":0.061123646795749664},{"text":"Six months.","start":1177.9451,"end":1178.685,"sentiment":"neutral","sentiment_score":0.13629774004220963},{"text":"Beautiful.","start":1178.745,"end":1179.245,"sentiment":"positive","sentiment_score":0.4509672522544861},{"text":"And I'll just yeah.","start":1179.385,"end":1180.68,"sentiment":"neutral","sentiment_score":0.11670141853392124}],"sentiment":"neutral","sentiment_score":0.11473243408413096,"num_words":44,"start":1168.025,"end":1180.68},{"sentences":[{"text":"Sorry.","start":1188.12,"end":1188.62,"sentiment":"neutral","sentiment_score":-0.004825832322239876},{"text":"Mhmm.","start":1192.7749,"end":1193.2749,"sentiment":"neutral","sentiment_score":0.0003424454480409622},{"text":"Yep.","start":1200.375,"end":1200.875,"sentiment":"neutral","sentiment_score":0.001206445274874568},{"text":"Absolutely.","start":1202.7749,"end":1203.2749,"sentiment":"neutral","sentiment_score":0.16882099211215973},{"text":"Yeah.","start":1204.7749,"end":1205.095,"sentiment":"neutral","sentiment_score":0.15072830021381378}],"sentiment":"neutral","sentiment_score":0.06325447014532984,"num_words":5,"start":1188.12,"end":1205.095},{"sentences":[{"text":"Yeah.","start":1205.095,"end":1205.575,"sentiment":"neutral","sentiment_score":0.25643014907836914},{"text":"Definitely.","start":1205.575,"end":1206.075,"sentiment":"positive","sentiment_score":0.4345344305038452},{"text":"Absolutely.","start":1206.455,"end":1206.955,"sentiment":"positive","sentiment_score":0.4817098081111908},{"text":"Yeah.","start":1207.8,"end":1207.9601,"sentiment":"positive","sentiment_score":0.3580787181854248},{"text":"No.","start":1207.9601,"end":1208.28,"sentiment":"neutral","sentiment_score":0.29826244711875916}],"sentiment":"positive","sentiment_score":0.3658031105995178,"num_words":5,"start":1205.095,"end":1208.28},{"sentences":[{"text":"And and it does work that way.","start":1208.28,"end":1209.64,"sentiment":"positive","sentiment_score":0.46150813358170645},{"text":"So when you think about the salary sacrifice, being as it's a pretax deduction from your income based on your measured tax rate instead of paying 30% tax on that amount of money, Inside super, you only paid well, your super fund only pays 15% tax.","start":1209.64,"end":1224.4651,"sentiment":"neutral","sentiment_score":0.18480703663890777},{"text":"So it does actually mean that you don't have to you don't lose as much if you put $50 into your super fund.","start":1224.4651,"end":1231.5851,"sentiment":"positive","sentiment_score":0.4264988504026247},{"text":"You're not actually losing the whole $50 from your expendable income because of the tax differences there.","start":1231.5851,"end":1237.44,"sentiment":"neutral","sentiment_score":0.1289951082538156},{"text":"So, yeah, when you are ready, we can definitely talk about what the options are, what amounts you're comfortable with.","start":1237.44,"end":1243.62,"sentiment":"neutral","sentiment_score":0.2051933541893959}],"sentiment":"neutral","sentiment_score":0.2463534345471226,"num_words":113,"start":1208.28,"end":1243.62},{"sentences":[{"text":"We can provide personal advice on how it looks for you both inside and outside super, how it benefits your goals and your super fund, and also the advantages, disadvantages, and the risks involved of doing of doing those extra contributions as well.","start":1243.76,"end":1258.2151,"sentiment":"neutral","sentiment_score":0.14287522469842157},{"text":"Okay?","start":1258.275,"end":1258.775,"sentiment":"neutral","sentiment_score":0.04661603271961212},{"text":"That's great, mate.","start":1262.93,"end":1263.8099,"sentiment":"positive","sentiment_score":0.4335551957289378},{"text":"Yeah.","start":1263.8099,"end":1264.3099,"sentiment":"neutral","sentiment_score":0.13973253965377808},{"text":"Yeah.","start":1265.01,"end":1265.41,"sentiment":"neutral","sentiment_score":0.2866209149360657}],"sentiment":"neutral","sentiment_score":0.1615769333985387,"num_words":49,"start":1243.76,"end":1265.41},{"sentences":[{"text":"Perfect.","start":1265.41,"end":1265.89,"sentiment":"positive","sentiment_score":0.4644768834114074},{"text":"I'll make a note here that when we do the catch up, we'll revisit that for you.","start":1265.89,"end":1270.07,"sentiment":"neutral","sentiment_score":0.17203854112064138},{"text":"Over the next sort of few months, if you've got some time you wanna sort of, you know, revisit your expendable side of things, how much you may be comfortable starting with, if you wanna maybe look at a certain amount that benefits your goals, or whether there's a small amount you'd like to start with to sort of see what it does to your income.","start":1270.53,"end":1286.0651,"sentiment":"neutral","sentiment_score":0.14185805567963558},{"text":"That way, when we sort of touch base, we can, you know, talk it through.","start":1286.765,"end":1290.145,"sentiment":"neutral","sentiment_score":0.035303773979345955},{"text":"We can be advised to reflect what you're comfortable with.","start":1290.2051,"end":1293.95,"sentiment":"neutral","sentiment_score":0.053158941492438314}],"sentiment":"neutral","sentiment_score":0.12672394295351222,"num_words":109,"start":1265.41,"end":1293.95},{"sentences":[{"text":"Excellent.","start":1293.95,"end":1294.45,"sentiment":"positive","sentiment_score":0.5943178534507751},{"text":"Fantastic.","start":1295.63,"end":1296.13,"sentiment":"positive","sentiment_score":0.6993289589881897},{"text":"No worries at all.","start":1296.51,"end":1297.89,"sentiment":"neutral","sentiment_score":0.30212848633527756},{"text":"The last thing I needed to run through with you is just a bit of a risk profile just to make sure you were invested correctly in your super at the moment.","start":1298.19,"end":1305.01,"sentiment":"neutral","sentiment_score":-0.0036641453043557703},{"text":"When you kind of consider the the risk factor, you're in that growth environment at the moment.","start":1306.285,"end":1311.245,"sentiment":"neutral","sentiment_score":0.0031244716442683164}],"sentiment":"neutral","sentiment_score":0.044327711381695487,"num_words":55,"start":1293.95,"end":1311.245},{"sentences":[{"text":"So you see that 80% of your super invested in growth assets, so Australian international shares, listed property, and commodities there.","start":1311.245,"end":1319.265,"sentiment":"neutral","sentiment_score":0.009340793116106874},{"text":"When we look at that as a risk level out of about five, you're sitting at about a three.","start":1319.6599,"end":1324.22,"sentiment":"neutral","sentiment_score":-0.01981901955839835},{"text":"So you're on a more of a medium risk level trying to obtain the greatest possible returns that you can.","start":1324.22,"end":1330.1599,"sentiment":"neutral","sentiment_score":-0.000019818730652332307},{"text":"Do you feel like you are comfortable sitting that medium range, or do you feel like you would wanna take on a bit more risk in the market to try and get greater potential returns?","start":1330.7799,"end":1339.535,"sentiment":"neutral","sentiment_score":-0.00929057528930051},{"text":"How do you sort of see yourself?","start":1339.535,"end":1341.075,"sentiment":"neutral","sentiment_score":-0.03208425720887525}],"sentiment":"neutral","sentiment_score":-0.007162363003647211,"num_words":102,"start":1311.245,"end":1341.075},{"sentences":[{"text":"Yep.","start":1347.375,"end":1347.875,"sentiment":"neutral","sentiment_score":-0.2943844497203827},{"text":"Yes.","start":1356.81,"end":1357.31,"sentiment":"neutral","sentiment_score":-0.04637496918439865},{"text":"Yeah.","start":1357.61,"end":1358.11,"sentiment":"neutral","sentiment_score":-0.04105475544929504},{"text":"That's right.","start":1365.095,"end":1365.835,"sentiment":"neutral","sentiment_score":-0.035166073590517044},{"text":"Yeah.","start":1366.695,"end":1367.195,"sentiment":"neutral","sentiment_score":-0.01439395733177662}],"sentiment":"neutral","sentiment_score":-0.07775671314448118,"num_words":6,"start":1347.375,"end":1367.195},{"sentences":[{"text":"Yep.","start":1375.175,"end":1375.38,"sentiment":"neutral","sentiment_score":-0.011294007301330566},{"text":"Yep.","start":1375.86,"end":1376.36,"sentiment":"neutral","sentiment_score":-0.0186401791870594},{"text":"Absolutely.","start":1379.14,"end":1379.64,"sentiment":"neutral","sentiment_score":-0.10135535895824432},{"text":"Absolutely.","start":1380.66,"end":1381.16,"sentiment":"neutral","sentiment_score":-0.16646775603294373},{"text":"No.","start":1382.1,"end":1382.5,"sentiment":"neutral","sentiment_score":-0.059719108045101166}],"sentiment":"neutral","sentiment_score":-0.07149528190493584,"num_words":5,"start":1375.175,"end":1382.5},{"sentences":[{"text":"Perfect.","start":1382.5,"end":1383.0,"sentiment":"neutral","sentiment_score":0.10068248212337494},{"text":"It does seem like sitting that middle sort of area does suit where you're at because you are getting closer to and understanding that with your husband not having super, essentially, this is what you guys need to live on for retirement.","start":1383.14,"end":1394.735,"sentiment":"neutral","sentiment_score":0.024276448092201634},{"text":"So it's kind of the pressure's definitely there.","start":1394.875,"end":1397.115,"sentiment":"neutral","sentiment_score":-0.23775296739768237},{"text":"I understand that.","start":1397.115,"end":1398.1549,"sentiment":"neutral","sentiment_score":-0.07058644791444142},{"text":"Yeah.","start":1398.1549,"end":1398.6549,"sentiment":"neutral","sentiment_score":-0.019661884754896164}],"sentiment":"neutral","sentiment_score":-0.018420939376069742,"num_words":55,"start":1382.5,"end":1398.6549},{"sentences":[{"text":"Absolutely.","start":1398.715,"end":1399.215,"sentiment":"neutral","sentiment_score":-0.012678314000368118},{"text":"If you sort of saw the market fall by 20% over the next, say, six to twelve months, because we know markets do go up and down and there are years of negative returns, how do you think you might be feeling?","start":1400.235,"end":1411.03,"sentiment":"neutral","sentiment_score":-0.2117861896043732},{"text":"Do you think you might be very concerned, maybe calling us and finding out what we can do and what advice to provide and help?","start":1411.03,"end":1418.2849,"sentiment":"neutral","sentiment_score":-0.15803817600011827},{"text":"Do you think you'd be maybe wanting to put more money in?","start":1418.2849,"end":1420.765,"sentiment":"neutral","sentiment_score":-0.23322810232639313},{"text":"How do you think you might fit in that scenario?","start":1420.765,"end":1422.605,"sentiment":"neutral","sentiment_score":-0.12083975225687027}],"sentiment":"neutral","sentiment_score":-0.1873976380874713,"num_words":90,"start":1398.715,"end":1422.605},{"sentences":[{"text":"Yeah.","start":1422.605,"end":1423.105,"sentiment":"neutral","sentiment_score":-0.004336375743150711},{"text":"Yeah.","start":1433.1,"end":1433.6,"sentiment":"neutral","sentiment_score":0.1336791217327118},{"text":"Yep.","start":1435.0199,"end":1435.5199,"sentiment":"neutral","sentiment_score":0.24429647624492645},{"text":"Yep.","start":1437.8999,"end":1438.3999,"sentiment":"neutral","sentiment_score":0.05099835246801376},{"text":"Yep.","start":1440.58,"end":1441.08,"sentiment":"neutral","sentiment_score":-0.06560881435871124}],"sentiment":"neutral","sentiment_score":0.07180575206875801,"num_words":5,"start":1422.605,"end":1441.08},{"sentences":[{"text":"Maybe call us and see seek some assistance.","start":1443.26,"end":1446.245,"sentiment":"neutral","sentiment_score":-0.07331113098189235},{"text":"Yep.","start":1447.505,"end":1448.005,"sentiment":"neutral","sentiment_score":0.01399526558816433},{"text":"Yep.","start":1448.145,"end":1448.545,"sentiment":"neutral","sentiment_score":0.009800072759389876},{"text":"No.","start":1448.545,"end":1448.785,"sentiment":"neutral","sentiment_score":-0.12840145826339722},{"text":"That's okay.","start":1448.785,"end":1449.425,"sentiment":"neutral","sentiment_score":-0.09388364106416702}],"sentiment":"neutral","sentiment_score":-0.06760480383840892,"num_words":13,"start":1443.26,"end":1449.425},{"sentences":[{"text":"That's completely understandable.","start":1449.425,"end":1450.805,"sentiment":"neutral","sentiment_score":-0.054554725686709084},{"text":"And the last one here is have you ever seen your super falling value in the past?","start":1451.425,"end":1455.845,"sentiment":"neutral","sentiment_score":-0.22984929821070502},{"text":"Yep.","start":1460.0651,"end":1460.385,"sentiment":"neutral","sentiment_score":-0.04627362638711929},{"text":"Yep.","start":1460.385,"end":1460.705,"sentiment":"neutral","sentiment_score":-0.030368715524673465},{"text":"That's okay.","start":1460.705,"end":1461.21,"sentiment":"neutral","sentiment_score":-0.16993529349565506}],"sentiment":"neutral","sentiment_score":-0.18698396564771733,"num_words":24,"start":1449.425,"end":1461.21},{"sentences":[{"text":"Okay.","start":1462.57,"end":1462.69,"sentiment":"neutral","sentiment_score":-0.06177181750535965},{"text":"And yep.","start":1462.69,"end":1463.21,"sentiment":"neutral","sentiment_score":-0.03290277440100908},{"text":"Yep.","start":1463.21,"end":1463.69,"sentiment":"neutral","sentiment_score":0.058867137879133224},{"text":"Beautiful.","start":1463.69,"end":1464.19,"sentiment":"neutral","sentiment_score":0.3201563358306885},{"text":"I'll just mark that off.","start":1464.4099,"end":1465.5299,"sentiment":"neutral","sentiment_score":0.11699509844183922}],"sentiment":"neutral","sentiment_score":0.083642159961164,"num_words":10,"start":1462.57,"end":1465.5299},{"sentences":[{"text":"It does sound like if you saw the, you know, the super falling pretty drastically in the near future, you'd be quite concerned, a bit cautious about moving forward.","start":1465.5299,"end":1473.0499,"sentiment":"neutral","sentiment_score":-0.14053362222581073},{"text":"Does that sound accurate?","start":1473.0499,"end":1474.51,"sentiment":"neutral","sentiment_score":-0.06559570133686066},{"text":"Yep.","start":1475.2899,"end":1475.7899,"sentiment":"neutral","sentiment_score":0.12365885823965073},{"text":"Fantastic.","start":1476.745,"end":1477.245,"sentiment":"positive","sentiment_score":0.6060522794723511},{"text":"You definitely have scored in that growth environment with regard to your risk profile, and that's why we have you at the moment.","start":1477.385,"end":1482.845,"sentiment":"positive","sentiment_score":0.34131397436494415}],"sentiment":"neutral","sentiment_score":0.07313921893465108,"num_words":58,"start":1465.5299,"end":1482.845},{"sentences":[{"text":"That growth sort of environment does suit someone who has at least six years before accessing their super, so you do fit within that at the moment.","start":1483.385,"end":1490.5249,"sentiment":"neutral","sentiment_score":0.17892554278175035},{"text":"I just also wanted to double check with your age to access with where you are.","start":1491.2999,"end":1495.22,"sentiment":"neutral","sentiment_score":-0.018346079625189304},{"text":"Are you hoping to sorta access around a a 60, 65 mark, or do you think you'd be wanting to or having to work longer?","start":1495.22,"end":1502.5199,"sentiment":"neutral","sentiment_score":0.00708978209644556},{"text":"No?","start":1504.74,"end":1505.24,"sentiment":"neutral","sentiment_score":-0.09721334278583528},{"text":"Yep.","start":1506.1799,"end":1506.615,"sentiment":"neutral","sentiment_score":0.024688363075256348}],"sentiment":"neutral","sentiment_score":0.0663167421972113,"num_words":70,"start":1483.385,"end":1506.615},{"sentences":[{"text":"60 marks.","start":1509.255,"end":1510.135,"sentiment":"neutral","sentiment_score":0.019132668152451515},{"text":"Yep.","start":1510.135,"end":1510.635,"sentiment":"neutral","sentiment_score":0.056718796491622925},{"text":"Yep.","start":1511.415,"end":1511.915,"sentiment":"neutral","sentiment_score":0.1122039407491684},{"text":"That's okay.","start":1514.135,"end":1515.035,"sentiment":"neutral","sentiment_score":0.19228197634220123},{"text":"All good.","start":1515.255,"end":1515.655,"sentiment":"positive","sentiment_score":0.3550766110420227}],"sentiment":"neutral","sentiment_score":0.16273815603926778,"num_words":8,"start":1509.255,"end":1515.655},{"sentences":[{"text":"And having a look at things.","start":1515.655,"end":1517.195,"sentiment":"neutral","sentiment_score":0.010965252916018168},{"text":"Yeah.","start":1517.335,"end":1517.835,"sentiment":"neutral","sentiment_score":-0.02461542561650276},{"text":"Yep.","start":1520.92,"end":1521.42,"sentiment":"neutral","sentiment_score":0.006884723901748657},{"text":"Absolutely.","start":1523.0,"end":1523.5,"sentiment":"neutral","sentiment_score":0.13297945261001587},{"text":"Oh, absolute.","start":1525.0801,"end":1526.06,"sentiment":"neutral","sentiment_score":0.0895656980574131}],"sentiment":"neutral","sentiment_score":0.03274287859147245,"num_words":11,"start":1515.655,"end":1526.06},{"sentences":[{"text":"Yeah.","start":1529.48,"end":1529.96,"sentiment":"neutral","sentiment_score":0.09189735352993011},{"text":"Absolute absolutely.","start":1529.96,"end":1532.14,"sentiment":"neutral","sentiment_score":0.1626061275601387},{"text":"And looking at things, now you're 55 in December there as well, you?","start":1532.4401,"end":1536.035,"sentiment":"neutral","sentiment_score":0.041624982483111896},{"text":"Yeah.","start":1536.895,"end":1537.375,"sentiment":"neutral","sentiment_score":0.039646994322538376},{"text":"No.","start":1537.375,"end":1537.615,"sentiment":"neutral","sentiment_score":-0.010080557316541672}],"sentiment":"neutral","sentiment_score":0.05487782321870327,"num_words":18,"start":1529.48,"end":1537.615},{"sentences":[{"text":"It's completely natural.","start":1537.615,"end":1538.8351,"sentiment":"neutral","sentiment_score":0.017536453281839687},{"text":"Most people, when they sort of hit the late forties, early fifties, they really start to consider the fact they've worked a long time.","start":1539.2151,"end":1545.775,"sentiment":"neutral","sentiment_score":0.011397255798025677},{"text":"They've had a lifetime of work.","start":1545.775,"end":1547.2151,"sentiment":"neutral","sentiment_score":-0.015770341269671917},{"text":"Things are changing.","start":1547.2151,"end":1548.0951,"sentiment":"neutral","sentiment_score":-0.0575195016960303},{"text":"How much is my super gonna last?","start":1548.0951,"end":1549.775,"sentiment":"neutral","sentiment_score":-0.10696478933095932}],"sentiment":"neutral","sentiment_score":-0.016041641372667496,"num_words":43,"start":1537.615,"end":1549.775},{"sentences":[{"text":"What's gonna happen?","start":1549.775,"end":1550.62,"sentiment":"neutral","sentiment_score":-0.12587379912535349},{"text":"And longevity becomes a real concern for most people.","start":1550.62,"end":1554.22,"sentiment":"neutral","sentiment_score":-0.15377447174655068},{"text":"So you're in that age group there.","start":1554.22,"end":1556.88,"sentiment":"neutral","sentiment_score":-0.04752717060702188},{"text":"So I'll make sure that we do sort of look at what we can do moving forward and and boost your super as much as possible.","start":1557.26,"end":1562.7999,"sentiment":"neutral","sentiment_score":0.08633853065279815},{"text":"Okay.","start":1563.02,"end":1563.52,"sentiment":"neutral","sentiment_score":0.23719027638435364}],"sentiment":"neutral","sentiment_score":0.008428483391585558,"num_words":46,"start":1549.775,"end":1563.52},{"sentences":[{"text":"Excellent.","start":1563.9,"end":1564.4,"sentiment":"positive","sentiment_score":0.44648200273513794},{"text":"Excellent.","start":1565.485,"end":1565.985,"sentiment":"positive","sentiment_score":0.4699687063694},{"text":"It sounds like you're in that right environment for the moment.","start":1566.5249,"end":1569.085,"sentiment":"positive","sentiment_score":0.4022707017985257},{"text":"Well, in six months, when we do a bit of a catch up, I'll have a look at where you are, what's been happening.","start":1569.085,"end":1574.205,"sentiment":"neutral","sentiment_score":0.11466241690019767},{"text":"We'll look at the advice and additional contributions and how else we can help things.","start":1574.205,"end":1578.3049,"sentiment":"neutral","sentiment_score":0.17014280756314595}],"sentiment":"neutral","sentiment_score":0.20472054899885103,"num_words":52,"start":1563.9,"end":1578.3049},{"sentences":[{"text":"There are some other great strategies that we can also put into place.","start":1579.28,"end":1582.5599,"sentiment":"neutral","sentiment_score":0.2136149245959062},{"text":"If at 60 you decide to continue working longer, there are some other strategies from 60 onwards that we can put into place, and one of them is called the transitionary time strategy where we can increase contributions up to the cap as much as possible and then also draw a little bit out of the super as well.","start":1582.5599,"end":1602.275,"sentiment":"neutral","sentiment_score":0.16417452983431896},{"text":"And because of the tax side of things, you actually draw less than what you're putting in.","start":1602.275,"end":1607.095,"sentiment":"neutral","sentiment_score":0.1217005936538472},{"text":"So it keeps your income about the exact you know, the same as what your take home pay is now.","start":1607.21,"end":1611.95,"sentiment":"neutral","sentiment_score":0.19526575803756713},{"text":"It increases contributions and then can provide a last, you know, a last little boost to super over the last few years there as well.","start":1612.33,"end":1619.21,"sentiment":"neutral","sentiment_score":0.20983545303344728}],"sentiment":"neutral","sentiment_score":0.1767418123781681,"num_words":134,"start":1579.28,"end":1619.21},{"sentences":[{"text":"So we can revisit those around 60 and see how you're tracking them as well.","start":1619.21,"end":1624.565,"sentiment":"neutral","sentiment_score":0.20683971643447877},{"text":"Excellent.","start":1624.625,"end":1625.125,"sentiment":"positive","sentiment_score":0.6336349248886108},{"text":"All good.","start":1626.305,"end":1627.125,"sentiment":"positive","sentiment_score":0.6524351537227631},{"text":"All of those documents that I've gone through are in that annual review package attached there for you.","start":1627.665,"end":1632.54,"sentiment":"neutral","sentiment_score":0.23194191439284217},{"text":"You've also got the ongoing service agreement, which if you're comfortable, we would get you to sign a return back.","start":1632.54,"end":1637.9801,"sentiment":"neutral","sentiment_score":0.19652714282274247}],"sentiment":"neutral","sentiment_score":0.23476068382816656,"num_words":56,"start":1619.21,"end":1637.9801},{"sentences":[{"text":"It just states you do pay a 1.65% annual fee to us.","start":1637.9801,"end":1642.4801,"sentiment":"neutral","sentiment_score":0.13175325406094393},{"text":"We deduct that on a monthly basis out of your super in smaller monthly provide the services and keep looking after your super and updating advice working towards your retirement goals there for you.","start":1642.6201,"end":1653.915,"sentiment":"neutral","sentiment_score":0.16413000182193868},{"text":"Okay.","start":1654.135,"end":1654.635,"sentiment":"neutral","sentiment_score":0.04587361216545105},{"text":"Do you have any questions, Miriam?","start":1655.255,"end":1656.935,"sentiment":"neutral","sentiment_score":0.014957919406394163},{"text":"I'm sorry.","start":1656.935,"end":1657.255,"sentiment":"neutral","sentiment_score":-0.12762033194303513}],"sentiment":"neutral","sentiment_score":0.1280334468253634,"num_words":55,"start":1637.9801,"end":1657.255},{"sentences":[{"text":"I go go through a lot in a short period of time.","start":1657.255,"end":1659.5751,"sentiment":"neutral","sentiment_score":-0.11751192311445872},{"text":"Do you see any questions that maybe have come up in any of this?","start":1659.5751,"end":1662.64,"sentiment":"neutral","sentiment_score":-0.09011260593043906},{"text":"That's okay.","start":1665.5,"end":1666.48,"sentiment":"neutral","sentiment_score":0.07718168944120407},{"text":"No problem at all.","start":1667.58,"end":1668.54,"sentiment":"neutral","sentiment_score":0.08658989518880844},{"text":"Well, what I'll do is I'll monitor things for now.","start":1668.54,"end":1670.62,"sentiment":"neutral","sentiment_score":0.056228327378630635}],"sentiment":"neutral","sentiment_score":-0.03830269826132627,"num_words":42,"start":1657.255,"end":1670.62},{"sentences":[{"text":"I will have a look and make sure I do a quick email in three months' time just to give you an update on how things are tracking.","start":1670.78,"end":1676.495,"sentiment":"neutral","sentiment_score":0.0991030324782644},{"text":"If I feel at that point we need to maybe touch base and reevaluate the advice, then I'll make sure we do so.","start":1676.635,"end":1682.095,"sentiment":"neutral","sentiment_score":0.04016588830753513},{"text":"And then in six months at Christmas time, we'll do just a final catch up, reassess the portfolio, the advice, and look at contributions moving forward for you for the last couple of years there.","start":1682.475,"end":1692.95,"sentiment":"neutral","sentiment_score":0.14076424294284412},{"text":"Okay.","start":1693.01,"end":1693.51,"sentiment":"positive","sentiment_score":0.6126111149787903},{"text":"Excellent.","start":1694.69,"end":1695.19,"sentiment":"positive","sentiment_score":0.7396373152732849}],"sentiment":"neutral","sentiment_score":0.1133829235649583,"num_words":88,"start":1670.78,"end":1695.19},{"sentences":[{"text":"If anything in the meantime comes up, please do let me know.","start":1695.25,"end":1698.45,"sentiment":"neutral","sentiment_score":0.23255778973301253},{"text":"If you're interested, I'm not sure if we've spoken much before, but my details as a licensed adviser are in the financial services guide, which is also attached to that email for you there as well.","start":1698.45,"end":1708.635,"sentiment":"neutral","sentiment_score":0.13017580782373747},{"text":"Okay?","start":1708.775,"end":1709.275,"sentiment":"positive","sentiment_score":0.35919860005378723},{"text":"Lovely.","start":1710.215,"end":1710.6951,"sentiment":"positive","sentiment_score":0.6329818367958069},{"text":"Well, I was taking up much more of your time than I needed to, but you have a lovely day.","start":1710.6951,"end":1715.335,"sentiment":"positive","sentiment_score":0.3812646195292473}],"sentiment":"neutral","sentiment_score":0.22992136265550342,"num_words":70,"start":1695.25,"end":1715.335},{"sentences":[{"text":"And I thank you so much for calling back and taking my call.","start":1715.335,"end":1717.8689,"sentiment":"positive","sentiment_score":0.8016895651817322},{"text":"I really do appreciate it.","start":1717.8689,"end":1719.569,"sentiment":"positive","sentiment_score":0.799381959438324},{"text":"That's okay.","start":1721.3889,"end":1722.209,"sentiment":"positive","sentiment_score":0.34883008897304535},{"text":"Talk to you soon.","start":1722.2689,"end":1723.2289,"sentiment":"positive","sentiment_score":0.368528351187706},{"text":"Thanks so much.","start":1723.2289,"end":1724.209,"sentiment":"positive","sentiment_score":0.5841568311055502}],"sentiment":"positive","sentiment_score":0.6793747489099149,"num_words":27,"start":1715.335,"end":1724.209},{"sentences":[{"text":"See you later.","start":1724.7489,"end":1725.4689,"sentiment":"neutral","sentiment_score":0.28736844658851624},{"text":"Bye.","start":1725.4689,"end":1725.9689,"sentiment":"neutral","sentiment_score":-0.102756567299366}],"sentiment":"neutral","sentiment_score":0.18983719311654568,"num_words":4,"start":1724.7489,"end":1725.9689}]}}]},{"alternatives":[{"transcript":"That's it. Good. You sound like you're a million miles away though. No. I yeah. Look. I can hear you. It's just yeah. Anyway, it's fine. Yeah. Yeah. Yeah. Yeah. That's okay. Sure. Sure. All good. Mhmm. I've had a busy day and I'm at work, so I've stepped out of the office for just a minute. So yeah. All good, though. Good. Good. Happy busy. Good busy. Yeah. That's okay. Totally fine. I actually haven't even looked at that. One sec. I can. I'll just get my laptop. 26. Yes. Okay. I have that there. Yeah. Yeah. Yeah. I can. That's great. Yeah. I am notoriously bad at following up on things. So yeah. Yeah. Yep. Sure. Mhmm. Yes. Uh-huh. Uh-huh. I see. In general. Mhmm. I see. Yes. Mhmm. Good. Mhmm. Mhmm. Yes. Yes. Yeah. Yes. Yep. Yeah. Look. The either really three or six is okay the way that a year goes. I mean, three months is hardly anything. So six is probably sufficient, to be honest. Yeah. But I'm happy happy to see it's tracking well. Mhmm. Yes. Yeah. Sure. Yeah. Sounds great. Mhmm. Mhmm. Mhmm. Sure. That sounds great. Yes. Mhmm. Mhmm. Good. Thanks for that. No. Not really. Look. It's not my my my strong point, my my language or in any way. But, yeah, I'm I'm trying to be more grown up and get get be on top of this a lot more. So just look, I appreciate the the the contact, I suppose, that you're reaching out all the time. Yeah. That's great. Yes. Mhmm. Oh, I I think it's okay for now. Yeah. No. Mhmm. Yeah. No. I'm I'm feel I'm comfortable. Yeah. Mhmm. No. It's not a I don't need that yet. No. Thanks. Yeah. Mhmm. Sure. Yeah. Yeah. Yeah. Yeah. Mhmm. Mhmm. Yes. Yes. Yes. Yep. Yep. Yeah. Yeah. Yeah. It doesn't sound like it at the moment anyway that it is. Mhmm. Uh-huh. Yep. Cover it. Yeah. Yeah. So what do people what do people sort of do at that point if it becomes like that? I mean right. Yes. Mhmm. Mhmm. Mhmm. Yeah. I see. It's it's helpful for something up until that point, and then after that, you it's different needs that you have. Yeah. I got you. Yeah. Okay. Uh-huh. Yeah. Yeah. Yeah. Got it. Yeah. Got it. Okay. Mhmm. Mhmm. Yep. Okay. Cool. Got it. Mhmm. Mhmm. No. No. It's the same. Yeah. Mhmm. I possibly would, although I I don't have a ballpark. I would say, you know, another couple of 100,000 on that would be not not difficult to assume. Yeah. Yeah. Oh, yeah. I should've been able to reduce it. We're not just paying we're paying principal. So well, I'm paying principal. Yeah. So it should definitely be. I just don't know. Have that figure off the top of my head. Gee, I'd like it to be. Can I I'd like it to be? Yeah. Yeah. Exactly. Yeah. There's that too. Yeah. It's a 2013 Subaru. I think it would be more than that. More like more like fifth 15, I'd say. Yep. With the limit or with a with an outstanding, what are you saying? Sorry? That's the limit. Yep. No. None. I don't have content insurance. Not at all. I was wondering yeah. I I don't understand how that works. So yeah. Mhmm. Of course. Mhmm. Yeah. Well, I think so. I'm more likely to not be trying to pay off a mortgage, but more likely to be selling out of that property and and, you know, next property downsize and and all of that. So the need to pay it off isn't there as much as I could be doing the the payment, you know, ahead, the the salary sacrifice idea. Yeah. No. I understand there's things to do with when you downsize, when you sell a bigger property and and so on. Do you know much about that? The the selling of the property and what happens to income that were left, you know yeah. And then what happens and how you how's the best way to manage it and yeah. Yes. Yes. Okay. Yeah. Until Yeah. Yes. Yes. Yes. Yes. Yeah. Yep. Okay. Okay. Cool. Great. Yeah. Yeah. That sounds like a good idea. Yeah. Because I imagine there's, like, you know, the the the amount you contribute well, you the tax benefit actually doesn't make it that much different if you were one or the other. And there must be a a a a figure that is that works, that doesn't leave you too much out of pocket, but also do you know what I mean? Yes. Yes. Yes. Yeah. Yep. No. Yes. Yes. Mhmm. Mhmm. Mhmm. Okay. Yeah. Well, I am pretty interested in understanding that to to know what to do there. So yeah. Yep. Yep. Mhmm. Yes. Yeah. Sure. Yeah. Got it. Alright. Cool. Yeah. Yeah. Mhmm. Mhmm. Yeah. I'm I'm terribly naive and afraid of making bad decisions. And so, I mean, yes, I I do because I do I know I need to build this my super fur for for me, and it's and it's really only me. My husband doesn't have any. All we have is our property, so I'm the worker. Yeah. So, yeah, I do wanna get as much as I can with these these these last few years that I'm working. So, yeah, I'm keen, but I'm also terrified that I wouldn't lose money. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. Yes. Mhmm. Yes. Yes. Well, I feel like you are managing managing things really well because, of course, it's your money too. So, yeah, I feel trust in that. But as far as what I would do about it, I I don't know. Like, would I yeah. Yeah. Yeah. Well, yeah, in the global financial crisis. Yeah. Yeah. There was a big, big drop. Yeah. Yeah. Yeah. Yeah. Totally. Yep. Yep. Yeah. Yep. No. I'd be aiming for that. The 60 around the 60 mark would be my goal, preferably. God. Yeah. Having said, yes. I won't have a mortgage anymore by then. We will have sold the property. You know, I think about all these things at the moment. I think it's fairly natural in your fifties to suddenly sort of go, oh, I gotta get this organized. Yeah. Yep. Yeah. Yes. Uh-huh. Uh-huh. Mhmm. Yes. Yes. Yes. Yes. Oh, yeah. Awesome. Yeah. Yeah. Great. Awesome. Yep. Yeah. Yeah. Yep. Yes. Mhmm. Yep. No. You're right. You're no. I don't have any other questions at the moment. Thank you. Yeah. Sure. Great. Sounds great. Okay. Awesome. Thank you for calling. Alright then. Bye now. 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it. Good. You sound like you're a million miles away though. No. I yeah.\n\nLook. I can hear you. It's just yeah. Anyway, it's fine. Yeah.\n\nYeah. Yeah. Yeah. That's okay. Sure.\n\nSure. All good. Mhmm. I've had a busy day and I'm at work, so I've stepped out of the office for just a minute. So yeah.\n\nAll good, though. Good. Good. Happy busy. Good busy.\n\nYeah. That's okay. Totally fine. I actually haven't even looked at that. One sec.\n\nI can. I'll just get my laptop. 26. Yes. Okay.\n\nI have that there. Yeah. Yeah. Yeah. I can.\n\nThat's great. Yeah. I am notoriously bad at following up on things. So yeah. Yeah.\n\nYep. Sure. Mhmm. Yes. Uh-huh.\n\nUh-huh. I see. In general. Mhmm. I see.\n\nYes. Mhmm. Good. Mhmm. Mhmm.\n\nYes. Yes. Yeah. Yes. Yep.\n\nYeah. Look. The either really three or six is okay the way that a year goes. I mean, three months is hardly anything. So six is probably sufficient, to be honest.\n\nYeah. But I'm happy happy to see it's tracking well. Mhmm. Yes. Yeah.\n\nSure. Yeah. Sounds great. Mhmm. Mhmm.\n\nMhmm. Sure. That sounds great. Yes. Mhmm.\n\nMhmm. Good. Thanks for that. No. Not really.\n\nLook. It's not my my my strong point, my my language or in any way. But, yeah, I'm I'm trying to be more grown up and get get be on top of this a lot more. So just look, I appreciate the the the contact, I suppose, that you're reaching out all the time. Yeah.\n\nThat's great. Yes. Mhmm. Oh, I I think it's okay for now. Yeah.\n\nNo. Mhmm. Yeah. No. I'm I'm feel I'm comfortable.\n\nYeah. Mhmm. No. It's not a I don't need that yet. No.\n\nThanks. Yeah. Mhmm. Sure. Yeah.\n\nYeah. Yeah. Yeah. Mhmm. Mhmm.\n\nYes. Yes. Yes. Yep. Yep.\n\nYeah. Yeah. Yeah. It doesn't sound like it at the moment anyway that it is. Mhmm.\n\nUh-huh. Yep. Cover it. Yeah. Yeah.\n\nSo what do people what do people sort of do at that point if it becomes like that? I mean right. Yes. Mhmm. Mhmm.\n\nMhmm. Yeah. I see. It's it's helpful for something up until that point, and then after that, you it's different needs that you have. Yeah.\n\nI got you. Yeah. Okay. Uh-huh. Yeah.\n\nYeah. Yeah. Got it. Yeah. Got it.\n\nOkay. Mhmm. Mhmm. Yep. Okay.\n\nCool. Got it. Mhmm. Mhmm. No.\n\nNo. It's the same. Yeah. Mhmm. I possibly would, although I I don't have a ballpark.\n\nI would say, you know, another couple of 100,000 on that would be not not difficult to assume. Yeah. Yeah. Oh, yeah. I should've been able to reduce it.\n\nWe're not just paying we're paying principal. So well, I'm paying principal. Yeah. So it should definitely be. I just don't know.\n\nHave that figure off the top of my head. Gee, I'd like it to be. Can I I'd like it to be? Yeah. Yeah.\n\nExactly. Yeah. There's that too. Yeah. It's a 2013 Subaru.\n\nI think it would be more than that. More like more like fifth 15, I'd say. Yep. With the limit or with a with an outstanding, what are you saying? Sorry?\n\nThat's the limit. Yep. No. None. I don't have content insurance.\n\nNot at all. I was wondering yeah. I I don't understand how that works. So yeah. Mhmm.\n\nOf course. Mhmm. Yeah. Well, I think so. I'm more likely to not be trying to pay off a mortgage, but more likely to be selling out of that property and and, you know, next property downsize and and all of that.\n\nSo the need to pay it off isn't there as much as I could be doing the the payment, you know, ahead, the the salary sacrifice idea. Yeah. No. I understand there's things to do with when you downsize, when you sell a bigger property and and so on. Do you know much about that?\n\nThe the selling of the property and what happens to income that were left, you know yeah. And then what happens and how you how's the best way to manage it and yeah. Yes. Yes. Okay.\n\nYeah. Until Yeah. Yes. Yes. Yes.\n\nYes. Yeah. Yep. Okay. Okay.\n\nCool. Great. Yeah. Yeah. That sounds like a good idea.\n\nYeah. Because I imagine there's, like, you know, the the the amount you contribute well, you the tax benefit actually doesn't make it that much different if you were one or the other. And there must be a a a a figure that is that works, that doesn't leave you too much out of pocket, but also do you know what I mean? Yes. Yes.\n\nYes. Yeah. Yep. No. Yes.\n\nYes. Mhmm. Mhmm. Mhmm. Okay.\n\nYeah. Well, I am pretty interested in understanding that to to know what to do there. So yeah. Yep. Yep.\n\nMhmm. Yes. Yeah. Sure. Yeah.\n\nGot it. Alright. Cool. Yeah. Yeah.\n\nMhmm. Mhmm. Yeah. I'm I'm terribly naive and afraid of making bad decisions. And so, I mean, yes, I I do because I do I know I need to build this my super fur for for me, and it's and it's really only me.\n\nMy husband doesn't have any. All we have is our property, so I'm the worker. Yeah. So, yeah, I do wanna get as much as I can with these these these last few years that I'm working. So, yeah, I'm keen, but I'm also terrified that I wouldn't lose money.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yes.\n\nYes. Mhmm. Yes. Yes. Well, I feel like you are managing managing things really well because, of course, it's your money too.\n\nSo, yeah, I feel trust in that. But as far as what I would do about it, I I don't know. Like, would I yeah. Yeah. Yeah.\n\nWell, yeah, in the global financial crisis. Yeah. Yeah. There was a big, big drop. Yeah.\n\nYeah. Yeah. Yeah. Totally. Yep.\n\nYep. Yeah. Yep. No. I'd be aiming for that.\n\nThe 60 around the 60 mark would be my goal, preferably. God. Yeah. Having said, yes. I won't have a mortgage anymore by then.\n\nWe will have sold the property. You know, I think about all these things at the moment. I think it's fairly natural in your fifties to suddenly sort of go, oh, I gotta get this organized. Yeah. Yep.\n\nYeah. Yes. Uh-huh. Uh-huh. Mhmm.\n\nYes. Yes. Yes. Yes. Oh, yeah.\n\nAwesome. Yeah. Yeah. Great. Awesome.\n\nYep. Yeah. Yeah. Yep. Yes.\n\nMhmm. Yep. No. You're right. You're no.\n\nI don't have any other questions at the moment. Thank you. Yeah. Sure. Great.\n\nSounds great. Okay. Awesome. Thank you for calling. Alright then.\n\nBye now. 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possibly would, although I I don't have a ballpark.","start":826.705,"end":832.12,"sentiment":"neutral","sentiment_score":-0.0945326454937458}],"sentiment":"neutral","sentiment_score":-0.08251071535050869,"num_words":16,"start":812.29004,"end":832.12},{"sentences":[{"text":"I would say, you know, another couple of 100,000 on that would be not not difficult to assume.","start":832.74,"end":839.8,"sentiment":"neutral","sentiment_score":-0.02044733137720161},{"text":"Yeah.","start":839.86,"end":840.36,"sentiment":"neutral","sentiment_score":0.0495661199092865},{"text":"Yeah.","start":851.235,"end":851.735,"sentiment":"neutral","sentiment_score":0.022354047745466232},{"text":"Oh, yeah.","start":858.97,"end":859.70996,"sentiment":"neutral","sentiment_score":0.017454211600124836},{"text":"I should've been able to reduce 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the top of my head.","start":871.465,"end":873.325,"sentiment":"neutral","sentiment_score":-0.06500226673152712},{"text":"Gee, I'd like it to be.","start":878.825,"end":880.105,"sentiment":"neutral","sentiment_score":-0.010278652422130108},{"text":"Can I I'd like it to be?","start":880.105,"end":881.805,"sentiment":"neutral","sentiment_score":0.02123830547290189},{"text":"Yeah.","start":883.625,"end":884.125,"sentiment":"neutral","sentiment_score":0.007727267220616341},{"text":"Yeah.","start":887.87,"end":888.35,"sentiment":"neutral","sentiment_score":-0.025342747569084167}],"sentiment":"neutral","sentiment_score":-0.021484985714778304,"num_words":24,"start":871.465,"end":888.35},{"sentences":[{"text":"Exactly.","start":888.35,"end":888.85,"sentiment":"neutral","sentiment_score":-0.003429028671234846},{"text":"Yeah.","start":889.07,"end":889.47003,"sentiment":"neutral","sentiment_score":-0.0043243542313575745},{"text":"There's that 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I feel like you are managing managing things really well because, of course, it's your money too.","start":1423.9149,"end":1432.335,"sentiment":"neutral","sentiment_score":0.0992616843432188}],"sentiment":"neutral","sentiment_score":0.05424045551229607,"num_words":22,"start":1401.805,"end":1432.335},{"sentences":[{"text":"So, yeah, I feel trust in that.","start":1432.475,"end":1438.04,"sentiment":"neutral","sentiment_score":0.18034806847572327},{"text":"But as far as what I would do about it, I I don't know.","start":1438.04,"end":1442.62,"sentiment":"neutral","sentiment_score":-0.09770992850618702},{"text":"Like, would I yeah.","start":1442.68,"end":1444.7001,"sentiment":"neutral","sentiment_score":-0.045683479867875576},{"text":"Yeah.","start":1447.0801,"end":1447.4801,"sentiment":"neutral","sentiment_score":-0.006237678229808807},{"text":"Yeah.","start":1447.4801,"end":1447.9801,"sentiment":"neutral","sentiment_score":0.003774662502110005}],"sentiment":"neutral","sentiment_score":-0.010766646479842839,"num_words":27,"start":1432.475,"end":1447.9801},{"sentences":[{"text":"Well, yeah, in the global financial crisis.","start":1456.6951,"end":1459.435,"sentiment":"neutral","sentiment_score":-0.23955697885581426},{"text":"Yeah.","start":1459.5751,"end":1460.07,"sentiment":"neutral","sentiment_score":-0.07542382180690765},{"text":"Yeah.","start":1460.3099,"end":1460.5499,"sentiment":"neutral","sentiment_score":-0.043099574744701385},{"text":"There was a big, big drop.","start":1460.5499,"end":1462.3099,"sentiment":"neutral","sentiment_score":-0.2565600263575713},{"text":"Yeah.","start":1462.3099,"end":1462.8099,"sentiment":"neutral","sentiment_score":-0.12897244095802307}],"sentiment":"neutral","sentiment_score":-0.21648467797785997,"num_words":16,"start":1456.6951,"end":1462.8099},{"sentences":[{"text":"Yeah.","start":1471.5099,"end":1472.0099,"sentiment":"neutral","sentiment_score":-0.09225928783416748},{"text":"Yeah.","start":1474.3049,"end":1474.785,"sentiment":"neutral","sentiment_score":0.011582333594560623},{"text":"Yeah.","start":1474.785,"end":1475.025,"sentiment":"neutral","sentiment_score":0.05099419876933098},{"text":"Totally.","start":1475.025,"end":1475.525,"sentiment":"neutral","sentiment_score":0.1130916029214859},{"text":"Yep.","start":1475.665,"end":1476.165,"sentiment":"neutral","sentiment_score":0.22314155101776123}],"sentiment":"neutral","sentiment_score":0.06131007969379425,"num_words":5,"start":1471.5099,"end":1476.165},{"sentences":[{"text":"Yep.","start":1488.7101,"end":1489.2101,"sentiment":"neutral","sentiment_score":0.23070108890533447},{"text":"Yeah.","start":1490.31,"end":1490.81,"sentiment":"neutral","sentiment_score":0.0988004505634308},{"text":"Yep.","start":1490.87,"end":1491.37,"sentiment":"neutral","sentiment_score":0.05421280115842819},{"text":"No.","start":1503.375,"end":1503.875,"sentiment":"neutral","sentiment_score":-0.10305967926979064},{"text":"I'd be aiming for that.","start":1504.015,"end":1505.795,"sentiment":"neutral","sentiment_score":-0.09216785281896592}],"sentiment":"neutral","sentiment_score":-0.02002051141526964,"num_words":9,"start":1488.7101,"end":1505.795},{"sentences":[{"text":"The 60 around the 60 mark would be my goal, preferably.","start":1505.935,"end":1510.835,"sentiment":"neutral","sentiment_score":0.030831344425678253},{"text":"God.","start":1511.215,"end":1511.715,"sentiment":"neutral","sentiment_score":0.11988070607185364},{"text":"Yeah.","start":1514.175,"end":1514.675,"sentiment":"neutral","sentiment_score":0.1683790385723114},{"text":"Having said, yes.","start":1515.535,"end":1516.83,"sentiment":"neutral","sentiment_score":0.03498358900348345},{"text":"I won't have a mortgage anymore by then.","start":1517.07,"end":1518.9099,"sentiment":"neutral","sentiment_score":-0.03465210413560271}],"sentiment":"neutral","sentiment_score":0.01896410280217727,"num_words":24,"start":1505.935,"end":1518.9099},{"sentences":[{"text":"We will have sold the property.","start":1518.9099,"end":1520.2699,"sentiment":"neutral","sentiment_score":-0.025751713197678328},{"text":"You know, I think about all these things at the moment.","start":1520.2699,"end":1522.4299,"sentiment":"neutral","sentiment_score":-0.006051244722171264},{"text":"I think it's fairly natural in your fifties to suddenly sort of go, oh, I gotta get this organized.","start":1522.4299,"end":1535.935,"sentiment":"neutral","sentiment_score":0.07152924314141273},{"text":"Yeah.","start":1535.935,"end":1536.3351,"sentiment":"neutral","sentiment_score":0.051334720104932785},{"text":"Yep.","start":1536.3351,"end":1536.8351,"sentiment":"neutral","sentiment_score":0.05214911326766014}],"sentiment":"neutral","sentiment_score":0.03267014426130213,"num_words":38,"start":1518.9099,"end":1536.8351},{"sentences":[{"text":"Yeah.","start":1544.41,"end":1544.91,"sentiment":"neutral","sentiment_score":0.017994074150919914},{"text":"Yes.","start":1571.02,"end":1571.52,"sentiment":"neutral","sentiment_score":0.0965360775589943},{"text":"Uh-huh.","start":1576.06,"end":1576.56,"sentiment":"neutral","sentiment_score":0.15208116173744202},{"text":"Uh-huh.","start":1578.38,"end":1578.88,"sentiment":"neutral","sentiment_score":0.08036591857671738},{"text":"Mhmm.","start":1585.935,"end":1586.435,"sentiment":"neutral","sentiment_score":0.0925302803516388}],"sentiment":"neutral","sentiment_score":0.08790150247514247,"num_words":5,"start":1544.41,"end":1586.435},{"sentences":[{"text":"Yes.","start":1591.8551,"end":1592.3551,"sentiment":"neutral","sentiment_score":0.10569185018539427},{"text":"Yes.","start":1599.055,"end":1599.555,"sentiment":"neutral","sentiment_score":0.24242940545082092},{"text":"Yes.","start":1602.54,"end":1603.04,"sentiment":"neutral","sentiment_score":0.1447853147983551},{"text":"Yes.","start":1607.66,"end":1608.16,"sentiment":"neutral","sentiment_score":0.14839163422584534},{"text":"Oh, yeah.","start":1618.145,"end":1618.725,"sentiment":"neutral","sentiment_score":0.11359631270170212}],"sentiment":"neutral","sentiment_score":0.14474847167730331,"num_words":6,"start":1591.8551,"end":1618.725},{"sentences":[{"text":"Awesome.","start":1620.145,"end":1620.645,"sentiment":"positive","sentiment_score":0.4360612034797669},{"text":"Yeah.","start":1623.025,"end":1623.525,"sentiment":"neutral","sentiment_score":0.14052598178386688},{"text":"Yeah.","start":1624.705,"end":1625.025,"sentiment":"positive","sentiment_score":0.4886830747127533},{"text":"Great.","start":1625.025,"end":1625.525,"sentiment":"positive","sentiment_score":0.7461726665496826},{"text":"Awesome.","start":1625.585,"end":1626.085,"sentiment":"positive","sentiment_score":0.7397294044494629}],"sentiment":"positive","sentiment_score":0.5102344661951065,"num_words":5,"start":1620.145,"end":1626.085},{"sentences":[{"text":"Yep.","start":1629.65,"end":1630.15,"sentiment":"neutral","sentiment_score":0.230736181139946},{"text":"Yeah.","start":1631.09,"end":1631.59,"sentiment":"neutral","sentiment_score":0.11877359449863434},{"text":"Yeah.","start":1632.13,"end":1632.63,"sentiment":"neutral","sentiment_score":0.1488642543554306},{"text":"Yep.","start":1642.77,"end":1643.205,"sentiment":"neutral","sentiment_score":0.07910942286252975},{"text":"Yes.","start":1643.205,"end":1643.705,"sentiment":"neutral","sentiment_score":0.10422666370868684}],"sentiment":"neutral","sentiment_score":0.1363420233130455,"num_words":5,"start":1629.65,"end":1643.705},{"sentences":[{"text":"Mhmm.","start":1653.2849,"end":1653.7849,"sentiment":"neutral","sentiment_score":0.04543651640415192},{"text":"Yep.","start":1654.005,"end":1654.505,"sentiment":"neutral","sentiment_score":0.053650349378585815},{"text":"No.","start":1659.86,"end":1660.1,"sentiment":"neutral","sentiment_score":-0.05722741782665253},{"text":"You're right.","start":1660.1,"end":1660.58,"sentiment":"neutral","sentiment_score":-0.057366009801626205},{"text":"You're no.","start":1660.58,"end":1662.12,"sentiment":"neutral","sentiment_score":-0.1118624247610569}],"sentiment":"neutral","sentiment_score":-0.04237106016704014,"num_words":7,"start":1653.2849,"end":1662.12},{"sentences":[{"text":"I don't have any other questions at the moment.","start":1662.58,"end":1665.0,"sentiment":"neutral","sentiment_score":-0.18649625281492868},{"text":"Thank you.","start":1666.1,"end":1666.74,"sentiment":"neutral","sentiment_score":0.32018353044986725},{"text":"Yeah.","start":1666.74,"end":1667.24,"sentiment":"neutral","sentiment_score":0.06123962253332138},{"text":"Sure.","start":1682.0349,"end":1682.5349,"sentiment":"neutral","sentiment_score":-0.02149524725973606},{"text":"Great.","start":1692.85,"end":1693.35,"sentiment":"positive","sentiment_score":0.7136420011520386}],"sentiment":"neutral","sentiment_score":-0.02033663128635713,"num_words":14,"start":1662.58,"end":1693.35},{"sentences":[{"text":"Sounds great.","start":1693.41,"end":1694.3099,"sentiment":"positive","sentiment_score":0.8214994668960571},{"text":"Okay.","start":1707.945,"end":1708.445,"sentiment":"neutral","sentiment_score":0.12151120603084564},{"text":"Awesome.","start":1708.585,"end":1709.085,"sentiment":"positive","sentiment_score":0.564109206199646},{"text":"Thank you for calling.","start":1719.579,"end":1720.7789,"sentiment":"positive","sentiment_score":0.7265510261058807},{"text":"Alright then.","start":1720.7789,"end":1721.679,"sentiment":"positive","sentiment_score":0.3664555549621582}],"sentiment":"positive","sentiment_score":0.5967734560370446,"num_words":10,"start":1693.41,"end":1721.679},{"sentences":[{"text":"Bye now.","start":1723.579,"end":1724.3789,"sentiment":"positive","sentiment_score":0.40836232900619507},{"text":"Bye.","start":1724.3789,"end":1724.8789,"sentiment":"neutral","sentiment_score":0.22129575908184052}],"sentiment":"positive","sentiment_score":0.3460068056980769,"num_words":3,"start":1723.579,"end":1724.8789}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi. Good afternoon, Miriam. Thank you so much for calling back. How are you\n\nChannel 1: That's it.\n\nChannel 0: today?\n\nChannel 1: Good. You sound like you're a million miles away though.\n\nChannel 0: Oh, I'm so sorry. Is that a little bit better?\n\nChannel 1: No.\n\nChannel 0: Oh,\n\nChannel 1: I\n\nChannel 0: I've got the headset as close as possible to my mouth, but is that getting any better at all?\n\nChannel 1: yeah. Look. I can hear you. It's just yeah.\n\nChannel 0: Very\n\nChannel 1: Anyway,\n\nChannel 0: faint.\n\nChannel 1: it's fine. Yeah.\n\nChannel 0: No. That's okay. Not a problem at all. Look. I did have you booked in to go through your annual review.\n\nCan you hear me enough to kinda go through that today?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. I've sort of pushed my headset as close as I possibly can. I do apologize. The phone system's a little bit quiet.\n\nThat's all.\n\nChannel 1: That's okay.\n\nChannel 0: If you do need me to repeat anything, please let me know. Okay.\n\nChannel 1: Sure. Sure. All\n\nChannel 0: All\n\nChannel 1: good.\n\nChannel 0: good.\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. How's your day been so far?\n\nChannel 1: I've had a busy day and I'm at work, so I've stepped out of the office for just a minute. So yeah.\n\nChannel 0: Okay.\n\nChannel 1: All good, though. Good. Good. Happy busy. Good busy.\n\nChannel 0: Oh, fantastic. Well, I was trying to take up too much of your time. We'll\n\nChannel 1: Yeah.\n\nChannel 0: run\n\nChannel 1: That's\n\nChannel 0: through things\n\nChannel 1: okay.\n\nChannel 0: as quickly as possible.\n\nChannel 1: Totally\n\nChannel 0: I\n\nChannel 1: fine.\n\nChannel 0: have sent you through a copy of the annual review documents to your email there. Are you able to access and open that up? If you can't, that's honestly\n\nChannel 1: I actually haven't even looked at that. One sec. I can.\n\nChannel 0: okay.\n\nChannel 1: I'll\n\nChannel 0: That's\n\nChannel 1: just get\n\nChannel 0: okay.\n\nChannel 1: my laptop.\n\nChannel 0: Not a problem.\n\nChannel 1: 26.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: Yes. Okay. I have that there.\n\nChannel 0: Fantastic. So when you open the email there,\n\nChannel 1: Yeah.\n\nChannel 0: on the bottom, if you just scroll down, you'll see a couple of attachments there. The first one will I think it's a couple down. There should be the summary of superannuation and insurances. Can you see that link there?\n\nChannel 1: Yeah. Yeah. I can.\n\nChannel 0: Yep. Beautiful. So if you open up that one, it gives you an updated of your balance there. So just kinda referring back to your last lender review, the balance I have noted is about 117,553. Your balance as of the July 27 is sitting at a 143,091 and 47¢ there.\n\nSo we have seen a bit a really good increase over the last year and a bit\n\nChannel 1: That's\n\nChannel 0: of,\n\nChannel 1: great.\n\nChannel 0: obviously, your balance there.\n\nChannel 1: Yeah.\n\nChannel 0: It's really I had a bit of a look at your individual investments. We actually sent you a record of advice and updated email a few months back about March. Do you remember receiving that email there?\n\nChannel 1: I am notoriously bad at following up on things. So\n\nChannel 0: That's\n\nChannel 1: yeah.\n\nChannel 0: okay. You that's absolutely fine. We had sort of noted back that this year, there's obviously been quite a lot going on between The US and Iran war. And in\n\nChannel 1: Yeah.\n\nChannel 0: Australia, we've also had high inflationary rates, and that does affect\n\nChannel 1: Yep.\n\nChannel 0: fixed interest as well. So the\n\nChannel 1: Sure.\n\nChannel 0: markets have been a very up and down this year.\n\nChannel 1: Mhmm.\n\nChannel 0: We sort of have been looking at the portfolios and looking at what we're you know, how they're all sort of working. Most things are doing quite well, but we have\n\nChannel 1: Yes.\n\nChannel 0: sort of noted around about March, there was an investment that was underperforming a bit within your portfolio. You had the Benelung Australian Equities.\n\nChannel 1: Uh-huh.\n\nChannel 0: Now to give you a little bit of a breakdown, the Benelon Australian Equities Fund is an actively managed fund. The fund manager inside that is trying to pick and time the market. They're trying to outperform against the benchmark or the market as a whole. They have not been able to do so. So,\n\nChannel 1: Uh-huh.\n\nChannel 0: essentially, up until about March this year, your portfolio was down under about 1%, and it was all because of what was happening with Bannalong.\n\nChannel 1: I see.\n\nChannel 0: Normally, when we sort of look at the markets as a whole, we understand there are up and down years, and this year has been very volatile. But most of your investments have been performing very, very well. So we did take the step in March to remove that investment from your portfolio and from all of our portfolios.\n\nChannel 1: In\n\nChannel 0: And that's\n\nChannel 1: general.\n\nChannel 0: essentially what\n\nChannel 1: Mhmm.\n\nChannel 0: that email was about. Yeah.\n\nChannel 1: I see.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: We've actually replaced it with something a little bit cheaper and much better. So inside that Ben along Australian equities, that that manager generally holds about 15 to 25 different Australian companies there. What we've actually replaced it with is the BetaShares a 200. This is actually giving you exposures to the top 200 companies on the ASX. It is more of a passively managed fund, so it's tracking the top\n\nChannel 1: Mhmm.\n\nChannel 0: 200 companies by market capitalization on the ASX there. It's giving you broader diversification for helping to lower the overall risk of your portfolio. And it's also a cheaper investment, which is important as well because less money going into fees for investments means more money stays in your super compounding forward there for you. Okay?\n\nChannel 1: Good.\n\nChannel 0: Excellent. So that change did happen. So since that change has occurred, obviously, your portfolio has had a little bit of a time to recover there, and you're up\n\nChannel 1: Mhmm.\n\nChannel 0: about 4.13% since we made that change. So\n\nChannel 1: Mhmm.\n\nChannel 0: while things were down a little bit to begin with, after making that change, we have seen a bit of a turnaround and some recovery in your portfolio. And I'd like to just sort of monitor that over the next, you know, three to six months to sort of see how that goes. And if it doesn't sort of pick up or we don't see any greater recovery point or, you know, if we don't keep seeing the growth, then I'd like to make some changes to your portfolio. But are you comfortable if I just monitor that moving forward for another few\n\nChannel 1: Yes.\n\nChannel 0: months?\n\nChannel 1: Yes. Yeah. Yes.\n\nChannel 0: Yeah? Excellent.\n\nChannel 1: Yep.\n\nChannel 0: Would you prefer a catch up maybe in three or six months to sort of look at how things are tracking for you?\n\nChannel 1: Yeah. Look. The either really three or six\n\nChannel 0: Yeah.\n\nChannel 1: is okay the way that\n\nChannel 0: Yeah.\n\nChannel 1: a year goes. I mean, three months is hardly anything. So six\n\nChannel 0: Yeah.\n\nChannel 1: is probably sufficient, to be honest.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: But I'm\n\nChannel 0: Not\n\nChannel 1: happy\n\nChannel 0: a problem.\n\nChannel 1: happy\n\nChannel 0: We just\n\nChannel 1: to see it's\n\nChannel 0: yeah.\n\nChannel 1: tracking well.\n\nChannel 0: Absolutely. Six months would be really great. There are very minimal changes that do occur in a three month period. But at the same time, if it's more if you it's what if it's what you wanna see, I'll make it happen. Six months would be much better.\n\nI'm we're organizing all the catch ups because it comes into December. This\n\nChannel 1: Mhmm.\n\nChannel 0: sorta happened early December for everyone, so we can\n\nChannel 1: Yes.\n\nChannel 0: kinda get look at how things are tracking, look at whether things need to change just before we all go on that Christmas break. So\n\nChannel 1: Yeah. Sure.\n\nChannel 0: it kind of makes it a little bit easier for everyone. So I'll put that in for six months there for you.\n\nChannel 1: Yeah.\n\nChannel 0: I will\n\nChannel 1: Sounds\n\nChannel 0: do a\n\nChannel 1: great.\n\nChannel 0: little bit of a three month check-in just to see\n\nChannel 1: Mhmm.\n\nChannel 0: how things are going with your super fund\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: if you like. If there's any need with concern, I can even just send you an email at three months to say, hey. I've had a look at things. Things are tracking really well. If you're comfortable,\n\nChannel 1: Sure.\n\nChannel 0: we'll stay on track for a six month catch up. Would you like that?\n\nChannel 1: That\n\nChannel 0: Yeah.\n\nChannel 1: sounds great. Yes.\n\nChannel 0: Yep. Beautiful. Fantastic. Excellent. So happy with the way things are tracking, and I'm glad we were able to get rid of that investment.\n\nChannel 1: Mhmm.\n\nChannel 0: And I wanna make\n\nChannel 1: Mhmm.\n\nChannel 0: sure things do stay on track there for you. So fantastic.\n\nChannel 1: Good.\n\nChannel 0: Do you have any questions? I'm sorry. I set a lot of information up, but do you have any questions for me? You're welcome to ask me anything you like.\n\nChannel 1: Thanks for that. No. Not\n\nChannel 0: Yeah.\n\nChannel 1: really. Look. It's not my my my strong point, my my language\n\nChannel 0: That's okay.\n\nChannel 1: or in any way. But, yeah, I'm I'm trying to be more grown up and get get be on top of this a lot more. So just\n\nChannel 0: Yeah.\n\nChannel 1: look, I appreciate the the the contact, I suppose, that you're reaching\n\nChannel 0: Yeah.\n\nChannel 1: out all the time. Yeah. That's great.\n\nChannel 0: Fantastic. Not a problem at all. On the bottom of that super insurance summary there, you do have your insurances as well. So it\n\nChannel 1: Yes.\n\nChannel 0: essentially gives you an update of what your sum insured is for your life and TBD.\n\nChannel 1: Mhmm.\n\nChannel 0: So you do just have life cover and total permanent disability cover. You don't have any income protection or trauma or any other type of insurances. Looking at the level of cover you've got there, the sum insured is up to 935,148. Do you feel like that cover's sufficient for where you're at for what you would wanna be covered for, or did you wanna sort of look at reevaluating that at all?\n\nChannel 1: Oh, I I think it's okay for now. Yeah.\n\nChannel 0: Yeah. That's okay. Has anyone ever kind of brought up income protection or trauma or any other types of insurances that you can also apply for to provide additional cover?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. So income protection does provide a monthly benefit. You can, at the moment, cover yourself up to 70% of your income, pre disability income. It is same as life and CBD can be paid out of your super fund.\n\nIt\n\nChannel 1: Mhmm.\n\nChannel 0: is a much more does increase, obviously, the cost of your insurances as well. Did you wanna look at maybe getting some income protection, or are you fairly comfortable with what you've got sort of to fall back on if you're not able to work in the\n\nChannel 1: Yeah. No. I'm I'm feel I'm comfortable.\n\nChannel 0: short term? That's okay. Beautiful. And trauma is an out of pocket cost, trauma. And you can also get child trauma as well to cover minor children, but it pays at a lump sum tax rate benefit in the event that you're diagnosed with a major condition.\n\nChannel 1: Yeah. Mhmm.\n\nChannel 0: Probably one of the biggest ones that people claim on is definitely cancer, but also heart attacks and strokes and certain things like that. It can be a pretty cheap cost, but it is out of pocket. And I know with the cost of living at the moment, it can be a bit tight for people. But did you wanna look at getting anything like that? Are you comfortable with just not worrying about it?\n\nChannel 1: No. It's not a I don't need that yet. No. Thanks.\n\nChannel 0: Yep. That's that's okay. Not a problem. If you ever did wanna sort of look at it,\n\nChannel 1: Yeah.\n\nChannel 0: please let me know.\n\nChannel 1: Mhmm. Sure.\n\nChannel 0: With the life cover you have at the moment, basically, if you were to pass away today, the $9.35 $1.48 is paid out to your beneficiaries there. But\n\nChannel 1: Yeah.\n\nChannel 0: then your super benefit is paid out on top of that as well. So you do\n\nChannel 1: Yeah.\n\nChannel 0: have about a 143 in there to\n\nChannel 1: Yeah.\n\nChannel 0: cover the additional.\n\nChannel 1: Yeah.\n\nChannel 0: With TBD, if you were to be unable to go back to work permanently, this the life sorry. The TBD benefit of $9.35 can be paid out, but then we can also access your super for the $1.43 on top of\n\nChannel 1: Mhmm.\n\nChannel 0: that as well. They do allow us to access that. One of the biggest things I do kind of like to bring up and make sure clients are aware is that if you claim TBD and you are under the age of 60, if you then take the funds out as a lump sum,\n\nChannel 1: Mhmm.\n\nChannel 0: unfortunately, it is a taxable payment. It is something I wholeheartedly disagree on, but tax is deducted up to 22%. It could be less. It's there's a big equation that kind\n\nChannel 1: Yes.\n\nChannel 0: of factors\n\nChannel 1: Yes.\n\nChannel 0: into how that is deducted, but\n\nChannel 1: Yes.\n\nChannel 0: just so you are fully aware. But I like to sort of point out that if you did have to claim on TBD, we would help you with the claim, and then we'd provide financial advice on how to use the funds in the most tax effective way for you, but also so it lasts you as long as possible as well. Okay. Yep. Excellent.\n\nThe premium you have paid for that one for the year is showing $3,999.05.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, these premiums do get more and more expensive as you get older, so I just wanna keep reviewing these with you to make sure the level of cover is appropriate, but that is\n\nChannel 1: Yep.\n\nChannel 0: not eating away all of your super as well\n\nChannel 1: Yeah.\n\nChannel 0: because the premiums\n\nChannel 1: Yeah.\n\nChannel 0: are paid out of super.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: It doesn't sound like it at the moment anyway that it is.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: No. At the moment, it's very minimal cost. Unfortunately, I have sort of seen people where they get, you know, around the 60 market and insurance premiums become absolutely phenomenal.\n\nChannel 1: Uh-huh.\n\nChannel 0: And if you're not getting the growth out of your super to kind of, you know,\n\nChannel 1: Yep. Cover\n\nChannel 0: help\n\nChannel 1: it.\n\nChannel 0: with that, cover it, basically,\n\nChannel 1: Yeah.\n\nChannel 0: it does have quite a big effect on you. So\n\nChannel 1: Yeah.\n\nChannel 0: we'll just keep reviewing that, making sure you're comfortable with\n\nChannel 1: So\n\nChannel 0: the\n\nChannel 1: what\n\nChannel 0: level\n\nChannel 1: do people\n\nChannel 0: and the premiums.\n\nChannel 1: what do\n\nChannel 0: You're\n\nChannel 1: people\n\nChannel 0: alright. Sorry.\n\nChannel 1: sort of do at that point if it becomes like that?\n\nChannel 0: Well,\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: mean\n\nChannel 0: depends on what your needs are as well. So it's about\n\nChannel 1: right.\n\nChannel 0: looking at what you would wanna cover. So if you were to pass away today or if you were unable to go back to work again today and you had to claim on the amount there, what is it you're wanting to cover? What are you actually wanting your life to to pay down? Who are you wanting it to be paid to?\n\nChannel 1: Yes.\n\nChannel 0: In the event of TPD, it's about factoring in how much you might be likely to obtain and how long that might last based on your\n\nChannel 1: Mhmm.\n\nChannel 0: current income estimate there. So\n\nChannel 1: Mhmm.\n\nChannel 0: generally speaking, when we turn 60,\n\nChannel 1: Mhmm.\n\nChannel 0: we normally don't sort of need any more insurances. A lot of\n\nChannel 1: Yeah.\n\nChannel 0: people tend to cancel them at the age\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: see.\n\nChannel 0: 60 because if\n\nChannel 1: It's\n\nChannel 0: you're not\n\nChannel 1: it's\n\nChannel 0: able\n\nChannel 1: helpful\n\nChannel 0: to work\n\nChannel 1: for something up until that point, and then after that, you it's different needs that you have. Yeah. I\n\nChannel 0: yeah.\n\nChannel 1: got you. Yeah. Okay.\n\nChannel 0: No. Absolutely. Yeah.\n\nChannel 1: Uh-huh.\n\nChannel 0: Yeah. Definitely. You can have life cover beyond that. The only sort of reason most people I speak to wanna keep life cover beyond the age of 60 is if they still have a mortgage,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: their super balance doesn't quite cover that.\n\nChannel 1: Yeah. Got\n\nChannel 0: But\n\nChannel 1: it.\n\nChannel 0: we can always look to reduce the cover down if you feel like it's getting more expensive and too\n\nChannel 1: Yeah.\n\nChannel 0: much because\n\nChannel 1: Got\n\nChannel 0: these\n\nChannel 1: it.\n\nChannel 0: premiums,\n\nChannel 1: Okay.\n\nChannel 0: the some insured also increases over time as well. So\n\nChannel 1: Mhmm.\n\nChannel 0: you'll pay more, but the amount you're covered for also increase each year.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Okay.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Cool.\n\nChannel 0: Excellent.\n\nChannel 1: Got it.\n\nChannel 0: Fantastic.\n\nChannel 1: Mhmm.\n\nChannel 0: I'll just go through and do a really quick update of your circumstances just to see what sort of changes have occurred.\n\nChannel 1: Mhmm.\n\nChannel 0: I have your income at about 73,000 as of the last check-in. Have you received a bit of a pay rise since then at all?\n\nChannel 1: No. No. It's the same.\n\nChannel 0: No?\n\nChannel 1: Yeah.\n\nChannel 0: All good. And, sorry, just double checking. Your home, we had that valued at about 1,300,000 last time. Would you\n\nChannel 1: Mhmm.\n\nChannel 0: increase or alter the value on that currently at all?\n\nChannel 1: I possibly would, although I I don't have a ballpark. I would say, you know, another couple of 100,000 on that would be\n\nChannel 0: Yep.\n\nChannel 1: not not difficult to\n\nChannel 0: Yes.\n\nChannel 1: assume. Yeah.\n\nChannel 0: That's okay. Not a problem at all. I can also have a look around at the rough valuation of the property based on the address if you like and just sort of update it to reflect the current valuation statistics.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Fantastic. Mortgage on the property, we had about 309,000. Would you reduce that at all, or\n\nChannel 1: Oh,\n\nChannel 0: have\n\nChannel 1: yeah.\n\nChannel 0: you been able to reduce that? Sorry.\n\nChannel 1: I should've been able to reduce it. We're not just paying we're paying principal. So well,\n\nChannel 0: Yep.\n\nChannel 1: I'm paying principal. Yeah. So it should\n\nChannel 0: Yep.\n\nChannel 1: definitely be. I just don't know. Have that figure off the top of my head.\n\nChannel 0: That's okay. Just sort of ballpark, would you say it's below the $300,000 mark now or just slightly\n\nChannel 1: Gee, I'd\n\nChannel 0: higher?\n\nChannel 1: like it to be. Can I I'd like it to be?\n\nChannel 0: That's okay. Not a\n\nChannel 1: Yeah.\n\nChannel 0: problem. It's a bit difficult with the ups and downs we're seeing with all the interest\n\nChannel 1: Yeah.\n\nChannel 0: rates\n\nChannel 1: Exactly. Yeah. There's that too. Yeah.\n\nChannel 0: and yeah. I had your car value noted at about 5,000 at the moment. What sort of car do you drive?\n\nChannel 1: It's a 2013 Subaru. I\n\nChannel 0: Yep.\n\nChannel 1: think it would be more than that.\n\nChannel 0: Yep.\n\nChannel 1: More\n\nChannel 0: What\n\nChannel 1: like\n\nChannel 0: sort of value would it be\n\nChannel 1: more\n\nChannel 0: to\n\nChannel 1: like\n\nChannel 0: do?\n\nChannel 1: fifth 15, I'd say.\n\nChannel 0: Yes. Fantastic. Excellent. And then we also had a credit card noted down here with a limit of about 2,500. Would that be accurate?\n\nYep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic.\n\nChannel 1: With the limit\n\nChannel 0: I've got\n\nChannel 1: or with a with an outstanding, what are you saying? Sorry?\n\nChannel 0: it just says it says limit of 2,500. Would that just be the outstanding, or is that\n\nChannel 1: That's the\n\nChannel 0: the limit?\n\nChannel 1: limit.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Fantastic. Do you have any other, like, shares, cryptocurrency, anything else of value, or any other cars,\n\nChannel 1: No.\n\nChannel 0: boats, or caravans, you'd note down. No. That's okay. Another thing I do like to consider as an asset, because it realistically is, is your contents. We all sort of insure our contents on a regular basis.\n\nDo you know do you have content insurance at all?\n\nChannel 1: None. I don't have content insurance.\n\nChannel 0: No. That's okay. You wouldn't sort of put much value in your contents?\n\nChannel 1: Not at all.\n\nChannel 0: No. That's okay. That's absolutely fine. I looking at your contributions going in, you're not making any additional sort of salary sacrifice contributions at the moment. Are you sort of wanting to look at doing that down the track if it helps boost\n\nChannel 1: I\n\nChannel 0: your\n\nChannel 1: was wondering\n\nChannel 0: super? Or\n\nChannel 1: yeah. I I don't\n\nChannel 0: Yeah.\n\nChannel 1: understand how that works. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: That's okay. So salary sacrifice contributions are additional pretax contributions into super. Essentially, if there's an amount you're comfortable with, you just let your employer know, or we can provide personal advice on how that looks for you and how it affects your super.\n\nChannel 1: Mhmm.\n\nChannel 0: Essentially, it's a pretax contribution. So the same as with your employer contributions, your employer would take that out before they calculate your income tax payable. So it helps to reduce the amount of income tax you pay on your earnings, which is not a bad thing. It does, however, also reduce your take home pay slightly as well.\n\nChannel 1: Of course. Mhmm.\n\nChannel 0: So depending on sort of what your goals are, some of my clients do prefer just to focus on the mortgage to start with, try and reduce that as quickly as possible, then consider salary sacrifice where the others have a little bit extra expendable income and are comfortable starting with a smaller amount. Is there something you'd like to do down the track or now\n\nChannel 1: Yeah.\n\nChannel 0: or\n\nChannel 1: Well,\n\nChannel 0: just\n\nChannel 1: I think so.\n\nChannel 0: thinking\n\nChannel 1: I'm more likely\n\nChannel 0: yeah.\n\nChannel 1: to not be trying to pay off a mortgage, but more likely to be selling out of that property\n\nChannel 0: Okay.\n\nChannel 1: and and, you know, next property downsize and and all of that.\n\nChannel 0: Yeah.\n\nChannel 1: So the need to pay it off isn't there as much as I could be doing the the payment, you know, ahead,\n\nChannel 0: Yes.\n\nChannel 1: the the\n\nChannel 0: Yeah.\n\nChannel 1: salary sacrifice idea.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah. No. I understand there's things to do with when you downsize, when you sell a bigger property and and so on. Do you know\n\nChannel 0: Mhmm.\n\nChannel 1: much about that?\n\nChannel 0: Yes. So depending on how long you've owned your property for, depending on what you're wanting to do and what your goals are, there are are you sort of talking more around the downsize or contribution and and boosting super that way, or is it more about the selling of the property?\n\nChannel 1: The the selling of the property and what happens\n\nChannel 0: Mhmm.\n\nChannel 1: to income that were left, you know\n\nChannel 0: Leftover?\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And\n\nChannel 0: Absolutely.\n\nChannel 1: then what happens and how you how's the best way to manage it and yeah.\n\nChannel 0: Yeah. Absolutely. So we can. So when and if you do happen to sell the property, do let us know. We'll have a look at what you what your goals are.\n\nThere are additional contributions that you can make to to super, which is called a sizer contribution. They allow\n\nChannel 1: Yes.\n\nChannel 0: up to a certain amount. That amount can change depending on what year you happen to put the funds in, but it\n\nChannel 1: Yes.\n\nChannel 0: does provide\n\nChannel 1: Okay.\n\nChannel 0: a great boost to your super. The downside is you're putting money in that you can't access out.\n\nChannel 1: Yeah. Until\n\nChannel 0: There are stipulations and regulations around owning the property, but it sounds like you've, you know, met that from what I can see on your file here.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah, wondering if you do sell the property, feel free to have that conversation with me. I can provide advice on whether we put it\n\nChannel 1: Yes.\n\nChannel 0: in the super or we,\n\nChannel 1: Yes.\n\nChannel 0: you know, utilize the funds elsewhere in terms of deposits or invest\n\nChannel 1: Yes.\n\nChannel 0: the money\n\nChannel 1: Yes.\n\nChannel 0: outside of super to to fit your goals.\n\nChannel 1: Yeah.\n\nChannel 0: We can absolutely help with that area. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Definitely.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Fantastic.\n\nChannel 1: Great.\n\nChannel 0: Did you want me to sort of look at maybe having that catch up with you in six months when we do a catch up to talk more about the salary sacrifice side\n\nChannel 1: Yeah.\n\nChannel 0: of things?\n\nChannel 1: Yeah. That\n\nChannel 0: Or\n\nChannel 1: sounds like\n\nChannel 0: yep.\n\nChannel 1: a good idea. Yeah.\n\nChannel 0: Six months. Beautiful.\n\nChannel 1: Because\n\nChannel 0: And I'll\n\nChannel 1: I\n\nChannel 0: just\n\nChannel 1: imagine\n\nChannel 0: yeah.\n\nChannel 1: there's, like, you know, the the the amount you contribute well, you the tax\n\nChannel 0: Sorry.\n\nChannel 1: benefit actually doesn't make it that much different if you were one or\n\nChannel 0: Mhmm.\n\nChannel 1: the other. And there must be a a a a figure that is that works, that doesn't\n\nChannel 0: Yep.\n\nChannel 1: leave you too much out of pocket, but also\n\nChannel 0: Absolutely.\n\nChannel 1: do you know what I mean?\n\nChannel 0: Yeah. Yeah. Definitely. Absolutely. Yeah.\n\nNo. And and it does work that way. So when you think about the salary sacrifice, being as it's a pretax deduction from your income based\n\nChannel 1: Yes.\n\nChannel 0: on your measured tax rate instead of paying 30% tax on\n\nChannel 1: Yes.\n\nChannel 0: that amount of money, Inside super, you only paid well, your super fund only pays 15% tax.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: So it does\n\nChannel 1: Yep.\n\nChannel 0: actually mean that you don't have to you don't lose as much if you put $50 into your super fund. You're not actually losing the whole $50 from\n\nChannel 1: No.\n\nChannel 0: your expendable income because of the tax differences there. So,\n\nChannel 1: Yes.\n\nChannel 0: yeah, when you are ready, we can definitely talk about what the options are, what amounts you're comfortable with.\n\nChannel 1: Yes.\n\nChannel 0: We can provide personal advice on how\n\nChannel 1: Mhmm.\n\nChannel 0: it looks for you both inside and outside super, how it benefits your goals and your super fund,\n\nChannel 1: Mhmm.\n\nChannel 0: and also the advantages, disadvantages, and the risks involved of doing of doing\n\nChannel 1: Mhmm.\n\nChannel 0: those extra\n\nChannel 1: Okay.\n\nChannel 0: contributions as well. Okay?\n\nChannel 1: Yeah. Well, I am pretty interested in understanding that to to know what to do\n\nChannel 0: That's great,\n\nChannel 1: there.\n\nChannel 0: mate.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Perfect. I'll make a note here that when we do the catch up, we'll revisit\n\nChannel 1: Yep.\n\nChannel 0: that for you.\n\nChannel 1: Yep.\n\nChannel 0: Over the next sort of few months, if you've got some time you wanna sort of, you know,\n\nChannel 1: Mhmm.\n\nChannel 0: revisit your expendable side of things, how much you may be comfortable starting with, if you wanna\n\nChannel 1: Yes.\n\nChannel 0: maybe look at a certain amount that benefits your goals, or whether there's a small amount you'd like to start with to sort of see what it does to your income. That way, when we sort of touch base, we can, you know, talk it through.\n\nChannel 1: Yeah.\n\nChannel 0: We can\n\nChannel 1: Sure.\n\nChannel 0: be advised to reflect what you're comfortable with. Excellent.\n\nChannel 1: Yeah. Got it. Alright. Cool.\n\nChannel 0: Fantastic. No worries at all. The last thing I needed to run through with you is just a bit of a risk profile just to make sure you were invested correctly in your super at the moment.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: When you kind of consider the the risk factor, you're in that growth environment at the moment. So you see that 80% of your super invested in growth assets, so Australian international shares, listed property, and commodities there. When we look at that as a risk level out of about five, you're sitting at about a three. So you're on a more of a medium risk level\n\nChannel 1: Mhmm.\n\nChannel 0: trying to obtain the greatest possible returns that you can.\n\nChannel 1: Mhmm.\n\nChannel 0: Do you feel like you are comfortable sitting that medium range, or do you feel like you would wanna take on a bit more risk in the market to try and get greater potential returns? How do you sort of see yourself?\n\nChannel 1: Yeah. I'm I'm terribly naive and afraid of\n\nChannel 0: Yep.\n\nChannel 1: making bad decisions. And so, I mean, yes, I I do because I do I know I need to build this my super fur\n\nChannel 0: Yes. Yeah.\n\nChannel 1: for for me, and it's and it's really only me. My husband doesn't have any. All we have is our property, so I'm\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: right.\n\nChannel 1: worker. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, I do wanna get as much as I can with these these these last few years that I'm working.\n\nChannel 0: Yep.\n\nChannel 1: So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I'm keen, but I'm also\n\nChannel 0: Absolutely.\n\nChannel 1: terrified that I wouldn't\n\nChannel 0: Absolutely.\n\nChannel 1: lose money.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. It does seem like sitting that middle sort of area does suit where you're at\n\nChannel 1: Yeah.\n\nChannel 0: because you are getting closer to and understanding that with your husband not having super,\n\nChannel 1: Yeah.\n\nChannel 0: essentially, this is what you guys need to live on\n\nChannel 1: Yeah.\n\nChannel 0: for retirement. So\n\nChannel 1: Yeah.\n\nChannel 0: it's kind\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: of the pressure's definitely there.\n\nChannel 1: Yeah.\n\nChannel 0: I understand that. Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Absolutely. If you sort of saw the market fall\n\nChannel 1: Yes.\n\nChannel 0: by 20% over the next, say, six to twelve months, because we\n\nChannel 1: Mhmm.\n\nChannel 0: know markets do go up and down and there are\n\nChannel 1: Yes.\n\nChannel 0: years of negative returns,\n\nChannel 1: Yes.\n\nChannel 0: how do you think you might be feeling? Do you think you might be very concerned, maybe calling us and finding out what we can do and what advice to provide and help? Do you think you'd be maybe wanting to put more money in? How do you think you might fit in that scenario? Yeah.\n\nChannel 1: Well, I feel like you are managing managing things really well because, of course, it's your money too. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I feel trust\n\nChannel 0: Yep.\n\nChannel 1: in that.\n\nChannel 0: Yep.\n\nChannel 1: But as far as what I\n\nChannel 0: Yep.\n\nChannel 1: would do about it, I I don't know. Like, would I\n\nChannel 0: Maybe call us and\n\nChannel 1: yeah.\n\nChannel 0: see seek some assistance.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Yep. No. That's okay. That's completely understandable.\n\nAnd the last one here is have you ever seen your super falling value in the past?\n\nChannel 1: Well, yeah, in the global financial crisis. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: There\n\nChannel 0: That's\n\nChannel 1: was\n\nChannel 0: okay.\n\nChannel 1: a big, big drop. Yeah.\n\nChannel 0: Okay. And yep. Yep. Beautiful. I'll just mark that off.\n\nIt does sound like if you saw the, you know, the super falling pretty drastically in the near future, you'd be quite concerned, a bit\n\nChannel 1: Yeah.\n\nChannel 0: cautious about moving forward. Does that sound accurate?\n\nChannel 1: Yeah. Yeah. Totally.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. You definitely have scored in that growth environment with regard to your risk profile, and that's why we have you at the moment. That growth sort of environment does suit someone who has at least six years before accessing their super, so you\n\nChannel 1: Yep.\n\nChannel 0: do fit within that at the moment.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: I just also wanted to double check with your age to access with where you are. Are you hoping to sorta access around a a 60, 65 mark, or do you think you'd be wanting to or having to work longer?\n\nChannel 1: No. I'd be aiming\n\nChannel 0: No?\n\nChannel 1: for that. The 60\n\nChannel 0: Yep.\n\nChannel 1: around the 60 mark would be my\n\nChannel 0: 60\n\nChannel 1: goal,\n\nChannel 0: marks. Yep.\n\nChannel 1: preferably. God.\n\nChannel 0: Yep. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. All good.\n\nChannel 1: Having\n\nChannel 0: And having\n\nChannel 1: said,\n\nChannel 0: a look\n\nChannel 1: yes.\n\nChannel 0: at things.\n\nChannel 1: I won't have\n\nChannel 0: Yeah.\n\nChannel 1: a mortgage anymore by then. We will have sold the property. You know, I think\n\nChannel 0: Yep.\n\nChannel 1: about all these things at the moment. I think it's\n\nChannel 0: Absolutely.\n\nChannel 1: fairly natural in\n\nChannel 0: Oh,\n\nChannel 1: your fifties\n\nChannel 0: absolute.\n\nChannel 1: to suddenly sort of go, oh, I gotta\n\nChannel 0: Yeah.\n\nChannel 1: get this\n\nChannel 0: Absolute absolutely. And looking at things, now you're 55 in December there as well, you?\n\nChannel 1: organized. Yeah. Yep.\n\nChannel 0: Yeah. No. It's completely natural. Most people, when they sort of hit the late forties, early fifties, they really start to consider the fact\n\nChannel 1: Yeah.\n\nChannel 0: they've worked a long time. They've had a lifetime of work. Things are changing. How much is my super gonna last? What's gonna happen?\n\nAnd longevity becomes a real concern for most people. So you're in that age group there. So I'll make sure that we do sort of look at what we can do moving forward and and boost your super as much as possible. Okay. Excellent.\n\nExcellent. It sounds like you're in that right environment for the moment. Well, in six months, when we do a bit of a catch\n\nChannel 1: Yes.\n\nChannel 0: up, I'll have a look at where you are, what's been happening. We'll look at the advice and additional contributions\n\nChannel 1: Uh-huh.\n\nChannel 0: and how else we can help things.\n\nChannel 1: Uh-huh.\n\nChannel 0: There are some other great strategies that we can also put into place. If at 60 you decide to continue working longer,\n\nChannel 1: Mhmm.\n\nChannel 0: there are some other strategies from 60 onwards that we can put into place, and one of them is called\n\nChannel 1: Yes.\n\nChannel 0: the transitionary time strategy where we can increase contributions up to the cap as much as possible and\n\nChannel 1: Yes.\n\nChannel 0: then also draw a little bit out of the super as well. And\n\nChannel 1: Yes.\n\nChannel 0: because of the tax side of things, you actually draw less than what you're putting in. So it keeps\n\nChannel 1: Yes.\n\nChannel 0: your income about the exact you know, the same as what your take home pay is now. It increases contributions and then can provide a last, you know, a last little boost to super over the last few years\n\nChannel 1: Oh, yeah.\n\nChannel 0: there as well. So we\n\nChannel 1: Awesome.\n\nChannel 0: can revisit those around 60 and see how you're\n\nChannel 1: Yeah.\n\nChannel 0: tracking them as well. Excellent.\n\nChannel 1: Yeah. Great. Awesome.\n\nChannel 0: All good. All of those documents that I've gone\n\nChannel 1: Yep.\n\nChannel 0: through are in that annual\n\nChannel 1: Yeah.\n\nChannel 0: review package attached there\n\nChannel 1: Yeah.\n\nChannel 0: for you. You've also got the ongoing service agreement, which if you're comfortable, we would get you to sign a return back. It just states you do pay a 1.65% annual fee to us. We\n\nChannel 1: Yep.\n\nChannel 0: deduct that\n\nChannel 1: Yes.\n\nChannel 0: on a monthly basis out of your super in smaller monthly provide the services and keep looking after your super and updating advice working towards your retirement goals there for\n\nChannel 1: Mhmm.\n\nChannel 0: you.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Do you have any questions, Miriam? I'm sorry. I go go through a lot in a short period of time. Do you see\n\nChannel 1: No.\n\nChannel 0: any questions\n\nChannel 1: You're right.\n\nChannel 0: that\n\nChannel 1: You're\n\nChannel 0: maybe have come up in\n\nChannel 1: no.\n\nChannel 0: any of this?\n\nChannel 1: I don't have any other questions at the moment.\n\nChannel 0: That's okay.\n\nChannel 1: Thank you. Yeah.\n\nChannel 0: No problem at all. Well, what I'll do is I'll monitor things for now. I will have a look and make sure I do a quick email in three months' time just to give you an update on how things are tracking. If I feel at that point we need to maybe touch base and reevaluate the advice, then I'll make sure we do so.\n\nChannel 1: Sure.\n\nChannel 0: And then in six months at Christmas time, we'll do just a final catch up, reassess the portfolio, the advice, and look at contributions moving forward for you for the last couple of years there.\n\nChannel 1: Great.\n\nChannel 0: Okay.\n\nChannel 1: Sounds great.\n\nChannel 0: Excellent. If anything in the meantime comes up, please do let me know. If you're interested, I'm not sure if we've spoken much before, but my details as a licensed adviser are in the financial services guide, which is also attached to that email for you there\n\nChannel 1: Okay.\n\nChannel 0: as well.\n\nChannel 1: Awesome.\n\nChannel 0: Okay? Lovely. Well, I was taking up much more of your time than I needed to, but you have a lovely day. And I thank you so much for calling back and taking my call. I really do appreciate it.\n\nChannel 1: Thank you for calling. Alright then.\n\nChannel 0: That's okay. Talk to you soon. Thanks so\n\nChannel 1: Bye\n\nChannel 0: much.\n\nChannel 1: now. Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.5999999,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.2444408088922501},{"text":"Good afternoon, Miriam.","start":1.8399999,"end":2.72,"sentiment":"positive","sentiment_score":0.47184550762176514},{"text":"Thank you so much for calling back.","start":2.72,"end":4.16,"sentiment":"positive","sentiment_score":0.7003304021699088},{"text":"How are you","start":4.16,"end":4.72,"sentiment":"positive","sentiment_score":0.36818326512972516}],"sentiment":"positive","sentiment_score":0.5476314244525773,"channel":0,"num_words":14,"start":1.5999999,"end":4.72},{"sentences":[{"text":"That's 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there","start":1698.45,"end":1707.975,"sentiment":"neutral","sentiment_score":0.12923596580238902}],"sentiment":"neutral","sentiment_score":0.16860326870958856,"channel":0,"num_words":47,"start":1694.69,"end":1707.975},{"sentences":[{"text":"Okay.","start":1707.945,"end":1708.445,"sentiment":"neutral","sentiment_score":0.12151120603084564}],"sentiment":"neutral","sentiment_score":0.12151120603084564,"channel":1,"num_words":1,"start":1707.945,"end":1708.445},{"sentences":[{"text":"as well.","start":1707.975,"end":1708.635,"sentiment":"neutral","sentiment_score":0.14615312218666077}],"sentiment":"neutral","sentiment_score":0.14615312218666077,"channel":0,"num_words":2,"start":1707.975,"end":1708.635},{"sentences":[{"text":"Awesome.","start":1708.585,"end":1709.085,"sentiment":"positive","sentiment_score":0.564109206199646}],"sentiment":"positive","sentiment_score":0.564109206199646,"channel":1,"num_words":1,"start":1708.585,"end":1709.085},{"sentences":[{"text":"Okay?","start":1708.775,"end":1709.275,"sentiment":"positive","sentiment_score":0.35919860005378723},{"text":"Lovely.","start":1710.215,"end":1710.6951,"sentiment":"positive","sentiment_score":0.6329818367958069},{"text":"Well, I was taking up much more of your time than I needed to, but you have a lovely day.","start":1710.6951,"end":1715.335,"sentiment":"positive","sentiment_score":0.3812646195292473},{"text":"And I thank you so much for calling back and taking my call.","start":1715.335,"end":1717.8689,"sentiment":"positive","sentiment_score":0.8016895651817322},{"text":"I really do appreciate it.","start":1717.8689,"end":1719.569,"sentiment":"positive","sentiment_score":0.799381959438324}],"sentiment":"positive","sentiment_score":0.5759086742997169,"channel":0,"num_words":40,"start":1708.775,"end":1719.569},{"sentences":[{"text":"Thank you for calling.","start":1719.579,"end":1720.7789,"sentiment":"positive","sentiment_score":0.7265510261058807},{"text":"Alright then.","start":1720.7789,"end":1721.679,"sentiment":"positive","sentiment_score":0.3664555549621582}],"sentiment":"positive","sentiment_score":0.6065192023913065,"channel":1,"num_words":6,"start":1719.579,"end":1721.679},{"sentences":[{"text":"That's okay.","start":1721.3889,"end":1722.209,"sentiment":"positive","sentiment_score":0.34883008897304535},{"text":"Talk to you soon.","start":1722.2689,"end":1723.2289,"sentiment":"positive","sentiment_score":0.368528351187706},{"text":"Thanks so","start":1723.2289,"end":1723.709,"sentiment":"positive","sentiment_score":0.5857802927494049}],"sentiment":"positive","sentiment_score":0.41791677102446556,"channel":0,"num_words":8,"start":1721.3889,"end":1723.709},{"sentences":[{"text":"Bye","start":1723.579,"end":1723.8989,"sentiment":"positive","sentiment_score":0.5009326934814453}],"sentiment":"positive","sentiment_score":0.5009326934814453,"channel":1,"num_words":1,"start":1723.579,"end":1723.8989},{"sentences":[{"text":"much.","start":1723.709,"end":1724.209,"sentiment":"positive","sentiment_score":0.5809099078178406}],"sentiment":"positive","sentiment_score":0.5809099078178406,"channel":0,"num_words":1,"start":1723.709,"end":1724.209},{"sentences":[{"text":"now.","start":1723.8989,"end":1724.3789,"sentiment":"neutral","sentiment_score":0.3157919645309448},{"text":"Bye.","start":1724.3789,"end":1724.8789,"sentiment":"neutral","sentiment_score":0.22129575908184052}],"sentiment":"neutral","sentiment_score":0.26854386180639267,"channel":1,"num_words":2,"start":1723.8989,"end":1724.8789},{"sentences":[{"text":"See you later.","start":1724.7489,"end":1725.4689,"sentiment":"neutral","sentiment_score":0.28736844658851624},{"text":"Bye.","start":1725.4689,"end":1725.9689,"sentiment":"neutral","sentiment_score":-0.102756567299366}],"sentiment":"neutral","sentiment_score":0.18983719311654568,"channel":0,"num_words":4,"start":1724.7489,"end":1725.9689}]},"summary":{"result":"success","short":"The customer discusses their annual review and annual review documents with the agent, noting underperforming portfolios and a portfolio change. The agent suggests monitoring the situation for a few months and making changes to the customer's portfolio. They also discuss life cover and the benefits of life insurance coverage, including risk management and investment opportunities. The conversation ends with the agent thanking the customer for their time and reminding them to take the review package."},"intents":{"segments":[{"text":"have sent you through a copy of the annual review documents to your email there. Are you able to access and open that up?","start_word":224,"end_word":247,"intents":[{"intent":"Review documents","confidence_score":0.01049791}]},{"text":"So if you open up that one, it gives you an updated of your balance there. So just kinda referring back to your last lender review, the balance I have noted is about 117,553. Your balance as of the July 27 is sitting at a 143,091 and 47<unk> there.","start_word":340,"end_word":388,"intents":[{"intent":"Inform about balance update","confidence_score":0.0003865528}]},{"text":"So we did take the step in March to remove that investment from your portfolio and from all of our portfolios. In And that's general.","start_word":702,"end_word":726,"intents":[{"intent":"Correct investment decision","confidence_score":0.000086963555}]},{"text":"It's giving you broader diversification for helping to lower the overall risk of your portfolio. And it's also a cheaper investment, which is important as well because less money going into fees for investments means more money stays in your super compounding forward there for you. Okay? Good.","start_word":820,"end_word":867,"intents":[{"intent":"Lower risk","confidence_score":0.011317615}]},{"text":"And I'd like to just sort of monitor that over the next, you know, three to six months to sort of see how that goes. And if it doesn't sort of pick up or we don't see any greater recovery point or, you know, if we don't keep seeing the growth, then I'd like to make some changes to your portfolio.","start_word":935,"end_word":995,"intents":[{"intent":"Monitor portfolio","confidence_score":0.078917414},{"intent":"Monitor portfolio","confidence_score":0.5442383}]},{"text":"And if it doesn't sort of pick up or we don't see any greater recovery point or, you know, if we don't keep seeing the growth, then I'd like to make some changes to your portfolio.","start_word":960,"end_word":995,"intents":[{"intent":"Make changes","confidence_score":0.32091144}]},{"text":"But are you comfortable if I just monitor that moving forward for another few Yes.","start_word":997,"end_word":1011,"intents":[{"intent":"Monitor funds","confidence_score":0.010177917}]},{"text":"But are you comfortable if I just monitor that moving forward for another few Yes. months?","start_word":997,"end_word":1012,"intents":[{"intent":"Monitor finances","confidence_score":0.020642482}]},{"text":"Would you prefer a catch up maybe in three or six months to sort of look at how things are tracking for you? Yeah.","start_word":1018,"end_word":1041,"intents":[{"intent":"Schedule catch up","confidence_score":0.40500128}]},{"text":"Would you prefer a catch up maybe in three or six months to sort of look at how things are tracking for you? Yeah. Look.","start_word":1018,"end_word":1042,"intents":[{"intent":"Confirm track status","confidence_score":0.09560348}]},{"text":"Do you have any questions? I'm sorry.","start_word":1341,"end_word":1347,"intents":[{"intent":"Ask questions","confidence_score":0.092336506}]},{"text":"Do you have any questions? I'm sorry. I set a lot of information up, but do you have any questions for me?","start_word":1341,"end_word":1362,"intents":[{"intent":"Request clarification","confidence_score":0.0052010505},{"intent":"Ask for clarification","confidence_score":0.0031321703}]},{"text":"On the bottom of that super insurance summary there, you do have your insurances as well. So it Yes. essentially gives you an update of what your sum insured is for your life and TBD.","start_word":1445,"end_word":1479,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.0071020145}]},{"text":"So you do just have life cover and total permanent disability cover. You don't have any income protection or trauma or any other type of insurances. Looking at the level of cover you've got there, the sum insured is up to 935,148. Do you feel like that cover's sufficient for where you're at for what you would wanna be covered for, or did you wanna sort of look at reevaluating that at all?","start_word":1481,"end_word":1553,"intents":[{"intent":"Discuss coverage options","confidence_score":0.007903281}]},{"text":"Do you feel like that cover's sufficient for where you're at for what you would wanna be covered for, or did you wanna sort of look at reevaluating that at all?","start_word":1523,"end_word":1553,"intents":[{"intent":"Evaluate coverage","confidence_score":0.020858234}]},{"text":"And you can also get child trauma as well to cover minor children, but it pays at a lump sum tax rate benefit in the event that you're diagnosed with a major condition. Yeah.","start_word":1706,"end_word":1739,"intents":[{"intent":"Cover minor children","confidence_score":0.01989303}]},{"text":"With TBD, if you were to be unable to go back to work permanently, this the life sorry. The TBD benefit of $9.35 can be paid out, but then we can also access your super for the $1.43 on top of Mhmm.","start_word":1909,"end_word":1950,"intents":[{"intent":"Access super","confidence_score":0.782341},{"intent":"Access super","confidence_score":0.71702063},{"intent":"Access super","confidence_score":0.0041779876}]},{"text":"But I like to sort of point out that if you did have to claim on TBD, we would help you with the claim, and then we'd provide financial advice on how to use the funds in the most tax effective way for you, but also so it lasts you as long as possible as well.","start_word":2055,"end_word":2110,"intents":[{"intent":"Provide financial advice","confidence_score":0.27342764}]},{"text":"The premium you have paid for that one for the year is showing $3,999.05. Yep.","start_word":2113,"end_word":2127,"intents":[{"intent":"Understand premium level","confidence_score":0.010343552},{"intent":"Understand premium level","confidence_score":0.012086327}]},{"text":"At the moment, it's very minimal cost. Unfortunately, I have sort of seen people where they get, you know, around the 60 market and insurance premiums become absolutely phenomenal. Uh-huh.","start_word":2199,"end_word":2228,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.015748193}]},{"text":"In the event of TPD, it's about factoring in how much you might be likely to obtain and how long that might last based on your Mhmm.","start_word":2382,"end_word":2408,"intents":[{"intent":"Determine payment amount","confidence_score":0.0067026457}]},{"text":"Can I I'd like it to be? That's okay.","start_word":2846,"end_word":2854,"intents":[{"intent":"Determine interest rate and vehicle","confidence_score":0.000032063384}]},{"text":"I had your car value noted at about 5,000 at the moment. What sort of car do you drive?","start_word":2884,"end_word":2902,"intents":[{"intent":"Inquire about car value","confidence_score":0.013461904}]},{"text":"It's a 2013 Subaru. I Yep.","start_word":2903,"end_word":2908,"intents":[{"intent":"Clarify vehicle details","confidence_score":0.0004626418}]},{"text":"And then we also had a credit card noted down here with a limit of about 2,500. Would that be accurate? Yep.","start_word":2937,"end_word":2958,"intents":[{"intent":"Inquire about credit card details","confidence_score":0.114993334}]},{"text":"Do you have any other, like, shares, cryptocurrency, anything else of value, or any other cars, No.","start_word":3004,"end_word":3020,"intents":[{"intent":"Inquire about additional car needs","confidence_score":0.000013938531}]},{"text":"Another thing I do like to consider as an asset, because it realistically is, is your contents. We all sort of insure our contents on a regular basis. Do you know do you have content insurance at all? None.","start_word":3030,"end_word":3068,"intents":[{"intent":"Inquire about contents and insurance coverage","confidence_score":0.002879791}]},{"text":"Is there something you'd like to do down the track or now Yeah.","start_word":3312,"end_word":3324,"intents":[{"intent":"Explore options for downsizing","confidence_score":0.0006775208}]},{"text":"So depending on how long you've owned your property for, depending on what you're wanting to do and what your goals are, there are are you sort of talking more around the downsize or contribution and and boosting super that way, or is it more about the selling of the property?","start_word":3430,"end_word":3480,"intents":[{"intent":"Discuss downsize","confidence_score":0.12530328},{"intent":"Explain downsize","confidence_score":0.011780984}]},{"text":"There are additional contributions that you can make to to super, which is called a sizer contribution. They allow Yes.","start_word":3549,"end_word":3568,"intents":[{"intent":"Share contributions","confidence_score":0.00006189027}]},{"text":"Until There are stipulations and regulations around owning the property, but it sounds like you've, you know, met that from what I can see on your file here. Yeah.","start_word":3614,"end_word":3642,"intents":[{"intent":"Discuss stipulations","confidence_score":0.010719857}]},{"text":"I can provide advice on whether we put it Yes.","start_word":3660,"end_word":3669,"intents":[{"intent":"Offer advice","confidence_score":0.25553933}]},{"text":"Did you want me to sort of look at maybe having that catch up with you in six months when we do a catch up to talk more about the salary sacrifice side Yeah.","start_word":3717,"end_word":3750,"intents":[{"intent":"Discuss salary sacrifice","confidence_score":0.35686517}]},{"text":"Because And I'll I just imagine yeah. there's, like, you know, the the the amount you contribute well, you the tax Sorry.","start_word":3766,"end_word":3787,"intents":[{"intent":"Discuss tax deduction","confidence_score":0.11655581}]},{"text":"We can provide personal advice on how Mhmm. it looks for you both inside and outside super, how it benefits your goals and your super fund, Mhmm. and also the advantages, disadvantages, and the risks involved of doing of doing Mhmm. those extra Okay.","start_word":3963,"end_word":4006,"intents":[{"intent":"Provide advice","confidence_score":0.0052653286}]},{"text":"The last thing I needed to run through with you is just a bit of a risk profile just to make sure you were invested correctly in your super at the moment. Yeah.","start_word":4160,"end_word":4192,"intents":[{"intent":"Discuss risk profile","confidence_score":0.020002933}]},{"text":"Do you feel like you are comfortable sitting that medium range, or do you feel like you would wanna take on a bit more risk in the market to try and get greater potential returns?","start_word":4273,"end_word":4307,"intents":[{"intent":"Determine optimal investment level","confidence_score":0.0092760455},{"intent":"Determine optimal comfort level","confidence_score":0.00041637363},{"intent":"Determine comfort level","confidence_score":0.021941425}]},{"text":"Do you feel like you are comfortable sitting that medium range, or do you feel like you would wanna take on a bit more risk in the market to try and get greater potential returns? How do you sort of see yourself? Yeah.","start_word":4273,"end_word":4315,"intents":[{"intent":"Determine optimal investment strategy","confidence_score":0.06378972},{"intent":"Determine preferred investment method","confidence_score":0.0004893558}]},{"text":"If you sort of saw the market fall Yes. by 20% over the next, say, six to twelve months, because we Mhmm. know markets do go up and down and there are Yes.","start_word":4484,"end_word":4516,"intents":[{"intent":"Assess market implications","confidence_score":0.005806933}]},{"text":"Are you hoping to sorta access around a a 60, 65 mark, or do you think you'd be wanting to or having to work longer? No.","start_word":4800,"end_word":4825,"intents":[{"intent":"Sorta access around 60-60 mark","confidence_score":0.0027793152}]},{"text":"Are you hoping to sorta access around a a 60, 65 mark, or do you think you'd be wanting to or having to work longer? No. I'd be aiming No? for that. The 60 Yep. around the 60 mark would be my 60 goal, marks. Yep.","start_word":4800,"end_word":4845,"intents":[{"intent":"Suggest looking at a 60 mark","confidence_score":3.229331e-8}]},{"text":"We will have sold the property.","start_word":4871,"end_word":4876,"intents":[{"intent":"Sell property","confidence_score":0.075203314}]},{"text":"Most people, when they sort of hit the late forties, early fifties, they really start to consider the fact Yeah. they've worked a long time. They've had a lifetime of work. Things are changing. How much is my super gonna last? What's gonna happen?","start_word":4934,"end_word":4977,"intents":[{"intent":"Assess longevity","confidence_score":0.10368455}]},{"text":"So I'll make sure that we do sort of look at what we can do moving forward and and boost your super as much as possible. Okay.","start_word":4994,"end_word":5020,"intents":[{"intent":"Consider boosting super","confidence_score":0.00032616622}]},{"text":"All of those documents that I've gone Yep. through are in that annual Yeah. review package attached there Yeah.","start_word":5240,"end_word":5258,"intents":[{"intent":"Review and review documents","confidence_score":0.0038726027}]},{"text":"Well, what I'll do is I'll monitor things for now. I will have a look and make sure I do a quick email in three months' time just to give you an update on how things are tracking. If I feel at that point we need to maybe touch base and reevaluate the advice, then I'll make sure we do so. Sure.","start_word":5389,"end_word":5450,"intents":[{"intent":"Discuss and reevaluate advice","confidence_score":0.0011052631}]}]},"sentiments":{"segments":[{"text":"Hi.","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.2444408088922501},{"text":"Good afternoon, Miriam. Thank you so much for calling back.","start_word":1,"end_word":10,"sentiment":"positive","sentiment_score":0.603593111038208},{"text":"How are you That's today? it.","start_word":11,"end_word":16,"sentiment":"neutral","sentiment_score":0.2714178264141083},{"text":"Good.","start_word":17,"end_word":17,"sentiment":"positive","sentiment_score":0.3537951111793518},{"text":"You sound like you're a million miles away though. Oh, I'm so sorry. Is that a little bit better? No. Oh, I I've got the headset as close as possible to my mouth, but is that getting any better at all? yeah. Look. I can hear you. It's just yeah. Very Anyway, faint. it's fine. Yeah. No. That's okay. Not a problem at all. Look. I did have you booked in to go through your annual review. Can you hear me enough to kinda go through that today? Yeah. Yeah. Yeah. Yep.","start_word":18,"end_word":109,"sentiment":"neutral","sentiment_score":-0.01829427108168602},{"text":"Beautiful.","start_word":110,"end_word":110,"sentiment":"positive","sentiment_score":0.4393177926540375},{"text":"I've sort of pushed my headset as close as I possibly can. I do apologize. The phone system's a little bit quiet. That's all. That's okay. If you do need me to repeat anything, please let me know. Okay. Sure. Sure. All All good. good. Mhmm.","start_word":111,"end_word":156,"sentiment":"neutral","sentiment_score":0.013489198870956898},{"text":"Excellent.","start_word":157,"end_word":157,"sentiment":"positive","sentiment_score":0.3382594585418701},{"text":"How's your day been so far? I've had a busy day and I'm at work, so I've stepped out of the office for just a minute. So yeah. Okay. All good, though. Good. Good. Happy busy. Good busy. Oh, fantastic. Well, I was trying to take up too much of your time. We'll Yeah. run That's through things okay. as quickly as possible. Totally I fine. have sent you through a copy of the annual review documents to your email there. Are you able to access and open that up? If you can't, that's honestly I actually haven't even looked at that. One sec. I can. okay. I'll That's just get okay. my laptop. Not a problem. 26. Yeah. You're right. Yes. Okay. I have that there.","start_word":158,"end_word":284,"sentiment":"neutral","sentiment_score":0.00497748889029026},{"text":"Fantastic.","start_word":285,"end_word":285,"sentiment":"positive","sentiment_score":0.3952889144420624},{"text":"So when you open the email there, Yeah. on the bottom, if you just scroll down, you'll see a couple of attachments there. The first one will I think it's a couple down. There should be the summary of superannuation and insurances. Can you see that link there? Yeah. Yeah. I can.","start_word":286,"end_word":337,"sentiment":"neutral","sentiment_score":0.04110336799819309},{"text":"Yep. Beautiful.","start_word":338,"end_word":339,"sentiment":"positive","sentiment_score":0.4837779104709625},{"text":"So if you open up that one, it gives you an updated of your balance there. So just kinda referring back to your last lender review, the balance I have noted is about 117,553. Your balance as of the July 27 is sitting at a 143,091 and 47<unk> there.","start_word":340,"end_word":389,"sentiment":"neutral","sentiment_score":0.15799909830093384},{"text":"So we have seen a bit a really good increase over the last year and a bit That's of, great. obviously, your balance there.","start_word":390,"end_word":413,"sentiment":"positive","sentiment_score":0.4055953621864319},{"text":"Yeah. It's really I had a bit of a look at your individual investments. We actually sent you a record of advice and updated email a few months back about March. Do you remember receiving that email there? I am notoriously bad at following up on things. So That's yeah. okay. You that's absolutely fine. We had sort of noted back that this year, there's obviously been quite a lot going on between The US and Iran war. And in Yeah. Australia, we've also had high inflationary rates, and that does affect Yep. fixed interest as well. So the Sure. markets have been a very up and down this year. Mhmm. We sort of have been looking at the portfolios and looking at what we're you know, how they're all sort of working. Most things are doing quite well, but we have Yes. sort of noted around about March, there was an investment that was underperforming a bit within your portfolio. You had the Benelung Australian Equities. Uh-huh. Now to give you a little bit of a breakdown, the Benelon Australian Equities Fund is an actively managed fund. The fund manager inside that is trying to pick and time the market. They're trying to outperform against the benchmark or the market as a whole. They have not been able to do so. So, Uh-huh. essentially, up until about March this year, your portfolio was down under about 1%, and it was all because of what was happening with Bannalong. I see. Normally, when we sort of look at the markets as a whole, we understand there are up and down years, and this year has been very volatile. But most of your investments have been performing very, very well. So we did take the step in March to remove that investment from your portfolio and from all of our portfolios. In And that's general. essentially what Mhmm. that email was about. Yeah. I see. Yeah. Yes. We've actually replaced it with something a little bit cheaper and much better. So inside that Ben along Australian equities, that that manager generally holds about 15 to 25 different Australian companies there. What we've actually replaced it with is the BetaShares a 200. This is actually giving you exposures to the top 200 companies on the ASX. It is more of a passively managed fund, so it's tracking the top Mhmm. 200 companies by market capitalization on the ASX there.","start_word":414,"end_word":819,"sentiment":"neutral","sentiment_score":-0.02028236947861945},{"text":"It's giving you broader diversification for helping to lower the overall risk of your portfolio. And it's also a cheaper investment, which is important as well because less money going into fees for investments means more money stays in your super compounding forward there for you.","start_word":820,"end_word":865,"sentiment":"positive","sentiment_score":0.4284502565860748},{"text":"Okay?","start_word":866,"end_word":866,"sentiment":"neutral","sentiment_score":0.19927456974983215},{"text":"Good. Excellent. So that change did happen.","start_word":867,"end_word":873,"sentiment":"positive","sentiment_score":0.4307831823825836},{"text":"So since that change has occurred, obviously, your portfolio has had a little bit of a time to recover there, and you're up Mhmm. about 4.13% since we made that change. So Mhmm. while things were down a little bit to begin with, after making that change, we have seen a bit of a turnaround and some recovery in your portfolio. And I'd like to just sort of monitor that over the next, you know, three to six months to sort of see how that goes. And if it doesn't sort of pick up or we don't see any greater recovery point or, you know, if we don't keep seeing the growth, then I'd like to make some changes to your portfolio. But are you comfortable if I just monitor that moving forward for another few Yes. months? Yes. Yeah. Yes. Yeah?","start_word":874,"end_word":1015,"sentiment":"neutral","sentiment_score":0.07429034882028338},{"text":"Excellent.","start_word":1016,"end_word":1016,"sentiment":"positive","sentiment_score":0.6010814905166626},{"text":"Yep. Would you prefer a catch up maybe in three or six months to sort of look at how things are tracking for you? Yeah. Look. The either really three or six Yeah. is okay the way that Yeah. a year goes. I mean, three months is hardly anything. So six Yeah. is probably sufficient, to be honest. Yeah. Yeah. Absolutely. But I'm Not happy a problem. happy We just to see it's yeah. tracking well. Absolutely. Six months would be really great. There are very minimal changes that do occur in a three month period. But at the same time, if it's more if you it's what if it's what you wanna see, I'll make it happen. Six months would be much better. I'm we're organizing all the catch ups because it comes into December. This Mhmm. sorta happened early December for everyone, so we can Yes. kinda get look at how things are tracking, look at whether things need to change just before we all go on that Christmas break. So Yeah. Sure. it kind of makes it a little bit easier for everyone. So I'll put that in for six months there for you. Yeah. I will Sounds do a great. little bit of a three month check-in just to see Mhmm. how things are going with your super fund Mhmm. Mhmm. if you like. If there's any need with concern, I can even just send you an email at three months to say, hey. I've had a look at things. Things are tracking really well. If you're comfortable, Sure. we'll stay on track for a six month catch up. Would you like that? That Yeah. sounds great. Yes. Yep.","start_word":1017,"end_word":1299,"sentiment":"neutral","sentiment_score":0.10153234750032424},{"text":"Beautiful. Fantastic. Excellent. So happy with the way things are tracking, and I'm glad we were able to get rid of that investment.","start_word":1300,"end_word":1322,"sentiment":"positive","sentiment_score":0.558681309223175},{"text":"Mhmm. And I wanna make Mhmm.","start_word":1323,"end_word":1328,"sentiment":"neutral","sentiment_score":0.1978617012500763},{"text":"sure things do stay on track there for you. So fantastic. Good.","start_word":1329,"end_word":1340,"sentiment":"positive","sentiment_score":0.4085529570778211},{"text":"Do you have any questions? I'm sorry. I set a lot of information up, but do you have any questions for me?","start_word":1341,"end_word":1362,"sentiment":"neutral","sentiment_score":0.06452186405658722},{"text":"You're welcome to ask me anything you like. Thanks for that.","start_word":1363,"end_word":1373,"sentiment":"positive","sentiment_score":0.39480695128440857},{"text":"No. Not Yeah. really. Look. It's not my my my strong point, my my language That's okay. or in any way. But, yeah, I'm I'm trying to be more grown up and get get be on top of this a lot more. So just Yeah. look, I appreciate the the the contact, I suppose, that you're reaching Yeah. out all the time. Yeah.","start_word":1374,"end_word":1436,"sentiment":"neutral","sentiment_score":0.045120224356651306},{"text":"That's great. Fantastic. Not a problem at all.","start_word":1437,"end_word":1444,"sentiment":"positive","sentiment_score":0.4662475883960724},{"text":"On the bottom of that super insurance summary there, you do have your insurances as well. So it Yes. essentially gives you an update of what your sum insured is for your life and TBD. Mhmm. So you do just have life cover and total permanent disability cover. You don't have any income protection or trauma or any other type of insurances. Looking at the level of cover you've got there, the sum insured is up to 935,148. Do you feel like that cover's sufficient for where you're at for what you would wanna be covered for, or did you wanna sort of look at reevaluating that at all? Oh, I I think it's okay for now. Yeah. Yeah. That's okay. Has anyone ever kind of brought up income protection or trauma or any other types of insurances that you can also apply for to provide additional cover? No. No. That's okay. So income protection does provide a monthly benefit. You can, at the moment, cover yourself up to 70% of your income, pre disability income. It is same as life and CBD can be paid out of your super fund. It Mhmm. is a much more does increase, obviously, the cost of your insurances as well. Did you wanna look at maybe getting some income protection, or are you fairly comfortable with what you've got sort of to fall back on if you're not able to work in the Yeah. No. I'm I'm feel I'm comfortable. short term?","start_word":1445,"end_word":1693,"sentiment":"neutral","sentiment_score":0.0032866806723177433},{"text":"That's okay. Beautiful.","start_word":1694,"end_word":1696,"sentiment":"positive","sentiment_score":0.493041068315506},{"text":"And trauma is an out of pocket cost, trauma. And you can also get child trauma as well to cover minor children, but it pays at a lump sum tax rate benefit in the event that you're diagnosed with a major condition. Yeah. Mhmm. Probably one of the biggest ones that people claim on is definitely cancer, but also heart attacks and strokes and certain things like that. It can be a pretty cheap cost, but it is out of pocket. And I know with the cost of living at the moment, it can be a bit tight for people. But did you wanna look at getting anything like that? Are you comfortable with just not worrying about it? No. It's not a I don't need that yet. No. Thanks. Yep. That's that's okay. Not a problem. If you ever did wanna sort of look at it, Yeah. please let me know. Mhmm. Sure. With the life cover you have at the moment, basically, if you were to pass away today, the $9.35 $1.48 is paid out to your beneficiaries there. But Yeah. then your super benefit is paid out on top of that as well. So you do Yeah. have about a 143 in there to Yeah. cover the additional. Yeah. With TBD, if you were to be unable to go back to work permanently, this the life sorry. The TBD benefit of $9.35 can be paid out, but then we can also access your super for the $1.43 on top of Mhmm. that as well. They do allow us to access that. One of the biggest things I do kind of like to bring up and make sure clients are aware is that if you claim TBD and you are under the age of 60, if you then take the funds out as a lump sum, Mhmm. unfortunately, it is a taxable payment. It is something I wholeheartedly disagree on, but tax is deducted up to 22%. It could be less. It's there's a big equation that kind Yes. of factors Yes. into how that is deducted, but Yes. just so you are fully aware.","start_word":1697,"end_word":2053,"sentiment":"neutral","sentiment_score":-0.03981193155050278},{"text":"But I like to sort of point out that if you did have to claim on TBD, we would help you with the claim, and then we'd provide financial advice on how to use the funds in the most tax effective way for you, but also so it lasts you as long as possible as well.","start_word":2054,"end_word":2109,"sentiment":"positive","sentiment_score":0.3511733114719391},{"text":"Okay. Yep.","start_word":2110,"end_word":2111,"sentiment":"neutral","sentiment_score":0.2598908543586731},{"text":"Excellent.","start_word":2112,"end_word":2112,"sentiment":"positive","sentiment_score":0.670951247215271},{"text":"The premium you have paid for that one for the year is showing $3,999.05. Yep. Essentially, these premiums do get more and more expensive as you get older, so I just wanna keep reviewing these with you to make sure the level of cover is appropriate, but that is Yep. not eating away all of your super as well Yeah. because the premiums Yeah. are paid out of super. Yeah. Okay? It doesn't sound like it at the moment anyway that it is. Yeah. Mhmm. No. At the moment, it's very minimal cost. Unfortunately, I have sort of seen people where they get, you know, around the 60 market and insurance premiums become absolutely phenomenal. Uh-huh. And if you're not getting the growth out of your super to kind of, you know, Yep. Cover help it. with that, cover it, basically, Yeah. it does have quite a big effect on you. So Yeah. we'll just keep reviewing that, making sure you're comfortable with So the what level do people and the premiums. what do You're people alright. Sorry. sort of do at that point if it becomes like that? Well, I it mean depends on what your needs are as well. So it's about right. looking at what you would wanna cover. So if you were to pass away today or if you were unable to go back to work again today and you had to claim on the amount there, what is it you're wanting to cover? What are you actually wanting your life to to pay down? Who are you wanting it to be paid to? Yes. In the event of TPD, it's about factoring in how much you might be likely to obtain and how long that might last based on your Mhmm. current income estimate there. So Mhmm. generally speaking, when we turn 60, Mhmm. we normally don't sort of need any more insurances. A lot of Yeah. people tend to cancel them at the age I of see. 60 because if It's you're not it's able helpful to work for something up until that point, and then after that, you it's different needs that you have. Yeah. I yeah. got you. Yeah. Okay. No. Absolutely. Yeah. Uh-huh. Yeah. Definitely. You can have life cover beyond that. The only sort of reason most people I speak to wanna keep life cover beyond the age of 60 is if they still have a mortgage, Yeah. and Yeah. their super balance doesn't quite cover that. Yeah. Got But it. we can always look to reduce the cover down if you feel like it's getting more expensive and too Yeah. much because Got these it. premiums, Okay. the some insured also increases over time as well. So Mhmm. you'll pay more, but the amount you're covered for also increase each year. Mhmm. Yep. Okay. Okay. Yeah. Cool.","start_word":2113,"end_word":2590,"sentiment":"neutral","sentiment_score":-0.02493178120436279},{"text":"Excellent. Got it. Fantastic.","start_word":2591,"end_word":2594,"sentiment":"positive","sentiment_score":0.5010799169540405},{"text":"Mhmm. I'll just go through and do a really quick update of your circumstances just to see what sort of changes have occurred. Mhmm. I have your income at about 73,000 as of the last check-in. Have you received a bit of a pay rise since then at all? No. No. It's the same. No? Yeah. All good. And, sorry, just double checking. Your home, we had that valued at about 1,300,000 last time. Would you Mhmm. increase or alter the value on that currently at all? I possibly would, although I I don't have a ballpark. I would say, you know, another couple of 100,000 on that would be Yep. not not difficult to Yes. assume. Yeah. That's okay. Not a problem at all. I can also have a look around at the rough valuation of the property based on the address if you like and just sort of update it to reflect the current valuation statistics. Yeah.","start_word":2595,"end_word":2753,"sentiment":"neutral","sentiment_score":0.026933996006846428},{"text":"Yeah. Fantastic.","start_word":2754,"end_word":2755,"sentiment":"positive","sentiment_score":0.4779212772846222},{"text":"Mortgage on the property, we had about 309,000. Would you reduce that at all, or Oh, have yeah. you been able to reduce that? Sorry. I should've been able to reduce it. We're not just paying we're paying principal. So well, Yep. I'm paying principal. Yeah. So it should Yep. definitely be. I just don't know. Have that figure off the top of my head. That's okay. Just sort of ballpark, would you say it's below the $300,000 mark now or just slightly Gee, I'd higher? like it to be. Can I I'd like it to be? That's okay. Not a Yeah. problem. It's a bit difficult with the ups and downs we're seeing with all the interest Yeah. rates Exactly. Yeah. There's that too. Yeah. and yeah. I had your car value noted at about 5,000 at the moment. What sort of car do you drive? It's a 2013 Subaru. I Yep. think it would be more than that. Yep. More What like sort of value would it be more to like do? fifth 15, I'd say. Yes.","start_word":2756,"end_word":2934,"sentiment":"neutral","sentiment_score":-0.002556521911174059},{"text":"Fantastic. Excellent.","start_word":2935,"end_word":2936,"sentiment":"positive","sentiment_score":0.4859242439270019},{"text":"And then we also had a credit card noted down here with a limit of about 2,500. Would that be accurate? Yep. Beautiful. Yep. Fantastic. With the limit I've got or with a with an outstanding, what are you saying? Sorry? it just says it says limit of 2,500. Would that just be the outstanding, or is that That's the the limit? limit. Yep. Yep.","start_word":2937,"end_word":3001,"sentiment":"neutral","sentiment_score":0.04406752064824104},{"text":"Beautiful. Fantastic.","start_word":3002,"end_word":3003,"sentiment":"positive","sentiment_score":0.3896186947822571},{"text":"Do you have any other, like, shares, cryptocurrency, anything else of value, or any other cars, No. boats, or caravans, you'd note down. No. That's okay. Another thing I do like to consider as an asset, because it realistically is, is your contents. We all sort of insure our contents on a regular basis. Do you know do you have content insurance at all? None. I don't have content insurance. No. That's okay.","start_word":3004,"end_word":3076,"sentiment":"neutral","sentiment_score":0.031968794763088226},{"text":"You wouldn't sort of put much value in your contents? Not at all. No.","start_word":3077,"end_word":3090,"sentiment":"negative","sentiment_score":-0.4446686804294586},{"text":"That's okay.","start_word":3091,"end_word":3092,"sentiment":"neutral","sentiment_score":-0.14525330066680908},{"text":"That's absolutely fine.","start_word":3093,"end_word":3095,"sentiment":"positive","sentiment_score":0.401608407497406},{"text":"I looking at your contributions going in, you're not making any additional sort of salary sacrifice contributions at the moment. Are you sort of wanting to look at doing that down the track if it helps boost I your was super? wondering Or yeah. I I don't Yeah. understand how that works. So Yep. yeah. That's okay. So salary sacrifice contributions are additional pretax contributions into super. Essentially, if there's an amount you're comfortable with, you just let your employer know, or we can provide personal advice on how that looks for you and how it affects your super. Mhmm. Essentially, it's a pretax contribution. So the same as with your employer contributions, your employer would take that out before they calculate your income tax payable. So it helps to reduce the amount of income tax you pay on your earnings, which is not a bad thing. It does, however, also reduce your take home pay slightly as well. Of course. Mhmm. So depending on sort of what your goals are, some of my clients do prefer just to focus on the mortgage to start with, try and reduce that as quickly as possible, then consider salary sacrifice where the others have a little bit extra expendable income and are comfortable starting with a smaller amount. Is there something you'd like to do down the track or now Yeah. or Well, just I think so. thinking I'm more yeah. likely to not be trying to pay off a mortgage, but more likely to be selling out of that property Okay. and and, you know, next property downsize and and all of that. Yeah. So the need to pay it off isn't there as much as I could be doing the the payment, you know, ahead, Yes. the the Yeah. salary sacrifice idea. Absolutely. Yeah. No. I understand there's things to do with when you downsize, when you sell a bigger property and and so on. Do you know Mhmm. much about that? Yes. So depending on how long you've owned your property for, depending on what you're wanting to do and what your goals are, there are are you sort of talking more around the downsize or contribution and and boosting super that way, or is it more about the selling of the property? The the selling of the property and what happens Mhmm. to income that were left, you know Leftover? yeah. Yeah. Yeah. And Absolutely. then what happens and how you how's the best way to manage it and yeah. Yeah. Absolutely. So we can. So when and if you do happen to sell the property, do let us know. We'll have a look at what you what your goals are. There are additional contributions that you can make to to super, which is called a sizer contribution. They allow Yes. up to a certain amount. That amount can change depending on what year you happen to put the funds in, but it Yes. does provide Okay.","start_word":3096,"end_word":3594,"sentiment":"neutral","sentiment_score":0.04949184334678258},{"text":"a great boost to your super.","start_word":3595,"end_word":3600,"sentiment":"positive","sentiment_score":0.546914279460907},{"text":"The downside is you're putting money in that you can't access out. Yeah. Until There are stipulations and regulations around owning the property, but it sounds like you've, you know, met that from what I can see on your file here. Yeah. But, yeah, wondering if you do sell the property, feel free to have that conversation with me. I can provide advice on whether we put it Yes. in the super or we, Yes. you know, utilize the funds elsewhere in terms of deposits or invest Yes. the money Yes. outside of super to to fit your goals. Yeah.","start_word":3601,"end_word":3700,"sentiment":"neutral","sentiment_score":-0.0222836434841156},{"text":"We can absolutely help with that area.","start_word":3701,"end_word":3707,"sentiment":"positive","sentiment_score":0.34145790338516235},{"text":"Yeah. Yep. Definitely. Okay. Yep. Okay.","start_word":3708,"end_word":3713,"sentiment":"neutral","sentiment_score":0.15357723832130432},{"text":"Cool. Fantastic. Great.","start_word":3714,"end_word":3716,"sentiment":"positive","sentiment_score":0.534940242767334},{"text":"Did you want me to sort of look at maybe having that catch up with you in six months when we do a catch up to talk more about the salary sacrifice side Yeah. of things? Yeah. That Or sounds like yep.","start_word":3717,"end_word":3758,"sentiment":"neutral","sentiment_score":0.09251520037651062},{"text":"a good idea.","start_word":3759,"end_word":3761,"sentiment":"positive","sentiment_score":0.3365306556224823},{"text":"Yeah. Six months.","start_word":3762,"end_word":3764,"sentiment":"neutral","sentiment_score":0.1389363259077072},{"text":"Beautiful.","start_word":3765,"end_word":3765,"sentiment":"positive","sentiment_score":0.4509672522544861},{"text":"Because And I'll I just imagine yeah. there's, like, you know, the the the amount you contribute well, you the tax Sorry. benefit actually doesn't make it that much different if you were one or Mhmm. the other. And there must be a a a a figure that is that works, that doesn't Yep. leave you too much out of pocket, but also Absolutely. do you know what I mean? Yeah. Yeah.","start_word":3766,"end_word":3837,"sentiment":"neutral","sentiment_score":0.0371965090226796},{"text":"Definitely. Absolutely. Yeah.","start_word":3838,"end_word":3840,"sentiment":"positive","sentiment_score":0.42616862058639526},{"text":"No.","start_word":3841,"end_word":3841,"sentiment":"neutral","sentiment_score":0.29826244711875916},{"text":"And and it does work that way.","start_word":3842,"end_word":3848,"sentiment":"positive","sentiment_score":0.45473694801330566},{"text":"So when you think about the salary sacrifice, being as it's a pretax deduction from your income based Yes. on your measured tax rate instead of paying 30% tax on Yes. that amount of money, Inside super, you only paid well, your super fund only pays 15% tax. Yes.","start_word":3849,"end_word":3897,"sentiment":"neutral","sentiment_score":0.18650482594966888},{"text":"Yeah. So it does Yep. actually mean that you don't have to you don't lose as much if you put $50 into your super fund.","start_word":3898,"end_word":3922,"sentiment":"positive","sentiment_score":0.43155553936958313},{"text":"You're not actually losing the whole $50 from No. your expendable income because of the tax differences there. So, Yes. yeah, when you are ready, we can definitely talk about what the options are, what amounts you're comfortable with. Yes. We can provide personal advice on how Mhmm. it looks for you both inside and outside super, how it benefits your goals and your super fund, Mhmm. and also the advantages, disadvantages, and the risks involved of doing of doing Mhmm. those extra Okay. contributions as well. Okay? Yeah. Well, I am pretty interested in understanding that to to know what to do That's great, there. mate. So Yeah. yeah. Yeah.","start_word":3923,"end_word":4033,"sentiment":"neutral","sentiment_score":0.15574468672275543},{"text":"Perfect.","start_word":4034,"end_word":4034,"sentiment":"positive","sentiment_score":0.4644768834114074},{"text":"I'll make a note here that when we do the catch up, we'll revisit Yep. that for you. Yep. Over the next sort of few months, if you've got some time you wanna sort of, you know, Mhmm. revisit your expendable side of things, how much you may be comfortable starting with, if you wanna Yes. maybe look at a certain amount that benefits your goals, or whether there's a small amount you'd like to start with to sort of see what it does to your income. That way, when we sort of touch base, we can, you know, talk it through. Yeah. We can Sure. be advised to reflect what you're comfortable with.","start_word":4035,"end_word":4148,"sentiment":"neutral","sentiment_score":0.12236977348986423},{"text":"Excellent.","start_word":4149,"end_word":4149,"sentiment":"positive","sentiment_score":0.5943178534507751},{"text":"Yeah.","start_word":4150,"end_word":4150,"sentiment":"neutral","sentiment_score":0.3099563717842102},{"text":"Got it. Alright. Cool. Fantastic.","start_word":4151,"end_word":4155,"sentiment":"positive","sentiment_score":0.4722902774810791},{"text":"No worries at all. The last thing I needed to run through with you is just a bit of a risk profile just to make sure you were invested correctly in your super at the moment. Yeah. Yeah. When you kind of consider the the risk factor, you're in that growth environment at the moment. So you see that 80% of your super invested in growth assets, so Australian international shares, listed property, and commodities there. When we look at that as a risk level out of about five, you're sitting at about a three. So you're on a more of a medium risk level Mhmm. trying to obtain the greatest possible returns that you can. Mhmm. Do you feel like you are comfortable sitting that medium range, or do you feel like you would wanna take on a bit more risk in the market to try and get greater potential returns? How do you sort of see yourself? Yeah. I'm I'm terribly naive and afraid of Yep.","start_word":4156,"end_word":4323,"sentiment":"neutral","sentiment_score":-0.02373269572854042},{"text":"making bad decisions.","start_word":4324,"end_word":4326,"sentiment":"negative","sentiment_score":-0.388927698135376},{"text":"And so, I mean, yes, I I do because I do I know I need to build this my super fur Yes. Yeah. for for me, and it's and it's really only me. My husband doesn't have any. All we have is our property, so I'm That's the right. worker. Yeah. Yeah. So, yeah, I do wanna get as much as I can with these these these last few years that I'm working. Yep. So, Yep. yeah, I'm keen, but I'm also Absolutely. terrified that I wouldn't Absolutely. lose money. No. Yeah. Perfect. It does seem like sitting that middle sort of area does suit where you're at Yeah. because you are getting closer to and understanding that with your husband not having super, Yeah. essentially, this is what you guys need to live on Yeah. for retirement. So Yeah. it's kind Yeah. Yeah. Yeah.","start_word":4327,"end_word":4471,"sentiment":"neutral","sentiment_score":-0.036425892263650894},{"text":"of the pressure's definitely there.","start_word":4472,"end_word":4476,"sentiment":"negative","sentiment_score":-0.3854442834854126},{"text":"Yeah. I understand that. Yeah. Yes. Absolutely. If you sort of saw the market fall Yes. by 20% over the next, say, six to twelve months, because we Mhmm. know markets do go up and down and there are Yes. years of negative returns, Yes. how do you think you might be feeling? Do you think you might be very concerned, maybe calling us and finding out what we can do and what advice to provide and help? Do you think you'd be maybe wanting to put more money in? How do you think you might fit in that scenario? Yeah. Well, I feel like you are managing managing things really well because, of course, it's your money too. So, Yeah. yeah, I feel trust Yep. in that. Yep. But as far as what I Yep. would do about it, I I don't know. Like, would I Maybe call us and yeah. see seek some assistance. Yeah. Yeah. Yep. Yep. No. That's okay. That's completely understandable. And the last one here is have you ever seen your super falling value in the past? Well, yeah, in the global financial crisis. Yeah. Yep. Yeah. Yep. There That's was okay. a big, big drop. Yeah. Okay. And yep. Yep. Beautiful. I'll just mark that off. It does sound like if you saw the, you know, the super falling pretty drastically in the near future, you'd be quite concerned, a bit Yeah. cautious about moving forward. Does that sound accurate? Yeah. Yeah. Totally. Yep. Yep.","start_word":4477,"end_word":4728,"sentiment":"neutral","sentiment_score":-0.0929824709892273},{"text":"Fantastic.","start_word":4729,"end_word":4729,"sentiment":"positive","sentiment_score":0.6060522794723511},{"text":"You definitely have scored in that growth environment with regard to your risk profile, and that's why we have you at the moment. That growth sort of environment does suit someone who has at least six years before accessing their super, so you Yep. do fit within that at the moment. Yeah. Yep. I just also wanted to double check with your age to access with where you are. Are you hoping to sorta access around a a 60, 65 mark, or do you think you'd be wanting to or having to work longer? No. I'd be aiming No? for that. The 60 Yep. around the 60 mark would be my 60 goal, marks. Yep. preferably. God. Yep. That's Yeah. okay. All good. Having And having said, a look yes. at things. I won't have Yeah. a mortgage anymore by then. We will have sold the property. You know, I think Yep. about all these things at the moment. I think it's Absolutely. fairly natural in Oh, your fifties absolute. to suddenly sort of go, oh, I gotta Yeah. get this Absolute absolutely. And looking at things, now you're 55 in December there as well, you? organized. Yeah. Yep. Yeah. No. It's completely natural. Most people, when they sort of hit the late forties, early fifties, they really start to consider the fact Yeah. they've worked a long time. They've had a lifetime of work. Things are changing. How much is my super gonna last? What's gonna happen? And longevity becomes a real concern for most people. So you're in that age group there. So I'll make sure that we do sort of look at what we can do moving forward and and boost your super as much as possible. Okay.","start_word":4730,"end_word":5020,"sentiment":"neutral","sentiment_score":0.05664459600583794},{"text":"Excellent. Excellent. It sounds like you're in that right environment for the moment.","start_word":5021,"end_word":5033,"sentiment":"positive","sentiment_score":0.4139018654823303},{"text":"Well, in six months, when we do a bit of a catch Yes. up, I'll have a look at where you are, what's been happening. We'll look at the advice and additional contributions Uh-huh. and how else we can help things. Uh-huh. There are some other great strategies that we can also put into place. If at 60 you decide to continue working longer, Mhmm. there are some other strategies from 60 onwards that we can put into place, and one of them is called Yes. the transitionary time strategy where we can increase contributions up to the cap as much as possible and Yes. then also draw a little bit out of the super as well. And Yes. because of the tax side of things, you actually draw less than what you're putting in. So it keeps Yes. your income about the exact you know, the same as what your take home pay is now. It increases contributions and then can provide a last, you know, a last little boost to super over the last few years Oh, yeah. there as well. So we can Awesome. revisit those around 60 and see how you're Yeah. tracking them as well.","start_word":5034,"end_word":5233,"sentiment":"neutral","sentiment_score":0.1670336090028286},{"text":"Excellent. Yeah. Great. Awesome. All good.","start_word":5234,"end_word":5239,"sentiment":"positive","sentiment_score":0.6494646668434143},{"text":"All of those documents that I've gone Yep. through are in that annual Yeah. review package attached there Yeah. for you. You've also got the ongoing service agreement, which if you're comfortable, we would get you to sign a return back. It just states you do pay a 1.65% annual fee to us. We Yep. deduct that Yes. on a monthly basis out of your super in smaller monthly provide the services and keep looking after your super and updating advice working towards your retirement goals there for Mhmm. you. Yep. Okay. Do you have any questions, Miriam? I'm sorry. I go go through a lot in a short period of time. Do you see No. any questions You're right. that You're maybe have come up in no. any of this? I don't have any other questions at the moment. That's okay. Thank you. Yeah. No problem at all. Well, what I'll do is I'll monitor things for now. I will have a look and make sure I do a quick email in three months' time just to give you an update on how things are tracking. If I feel at that point we need to maybe touch base and reevaluate the advice, then I'll make sure we do so. Sure. And then in six months at Christmas time, we'll do just a final catch up, reassess the portfolio, the advice, and look at contributions moving forward for you for the last couple of years there.","start_word":5240,"end_word":5485,"sentiment":"neutral","sentiment_score":0.08139585652123622},{"text":"Great. Okay. Sounds great. Excellent.","start_word":5486,"end_word":5490,"sentiment":"positive","sentiment_score":0.7322880625724792},{"text":"If anything in the meantime comes up, please do let me know. If you're interested, I'm not sure if we've spoken much before, but my details as a licensed adviser are in the financial services guide, which is also attached to that email for you there Okay. as well.","start_word":5491,"end_word":5539,"sentiment":"neutral","sentiment_score":0.14494730532169342},{"text":"Awesome. Okay? Lovely. Well, I was taking up much more of your time than I needed to, but you have a lovely day. And I thank you so much for calling back and taking my call. I really do appreciate it. Thank you for calling. Alright then. That's okay. Talk to you soon. Thanks so Bye much.","start_word":5540,"end_word":5596,"sentiment":"positive","sentiment_score":0.5437122583389282},{"text":"now. Bye. See you later. Bye.","start_word":5597,"end_word":5602,"sentiment":"neutral","sentiment_score":0.24465732276439667}],"average":{"sentiment":"neutral","sentiment_score":0.054903885873854585}}}}